Interest Rates

Loan Rates

Revised: November 13, 2008

All rates subject to change

New or Used Vehicles

Model Year	*Rate/Term*
	60 Months	72 Months
2009 (and 2008 not previously titled)	5.25%	5.49%
2008, 2007, 2006	5.49%	Not Available
	36 Months
2005 And Older	6.49%

Fixed Rate Home Equity Loans, Motor Homes, Campers, Large Boats, Airplanes

5.99%	5 Year Maximum Term
6.49%	7 Year Maximum Term
6.99%	10 Year Maximum Term
7.49%	15 Year Maximum Term

Up To 100% Financing Available For New Purchases.

Home Equity Line of Credit

5.00% - One Year Adjustable Rate

10 Year Maximum Term

Snowmobiles, ATVs, Small Boats, Computers, Commercial Equipment*

6.99%

3 Year Maximum Term

* Longer terms available for Commercial Equipment

Unsecured Loans

9.99%	Line of Credit
9.99%	VISA®
9.99%	Signature

Savings Secured Loans

2.00% Above Dividend Rate

Share or Term Share (Certificate) Secured

Home Mortgages

NSFCU offers a complete line of first mortgage loans including secondary market,

in-house, construction, fixed and adjustable rate loans.

Please speak to a lender for up to the minute rates and terms

Deposit Rates

Revised: October 6th, 2009

All rates subject to change.

Certificate Special!

Term

Minimum

Savings Certificates

APY² / Dividend Rate

IRA / Roth IRA Certificates

APY² / Dividend Rate

54 Months

$5,000.00

3.25% / 3.20%

Term Share (Certificate) Accounts (1)

Term	Minimum	Savings Certificates APY² / Dividend Rate	IRA / Roth IRA Certificates APY² / Dividend Rate
6 Months	$500.00	1.50% / 1.49%	1.50% / 1.49%
12 Months	$500.00	1.50% / 1.49%	1.50% / 1.49%
18 Months	$500.00	2.15% / 2.13%	2.15% / 2.13%
24 Months	$500.00	2.25% / 2.23%	2.25% / 2.23%
36 Months	$500.00	2.50% / 2.47%	2.50% / 2.47%
48 Months	$500.00	2.60% / 2.57%	2.60% / 2.57%
60 Months	$500.00	2.75% / 2.72%	2.75% / 2.72%

All Savings/IRA Certificates compound and pay dividends monthly.

**Youth Advantage Term Share Certificate; $25.00 Minimum; Issued Through Age 21.

Money Market Term Share (Certificate) Accounts(1)

Term	Minimum	APY² / Dividend Rate	Dividend

3 Months	$10,000.00	1.50% / 1.49%	Compounded/Paid Monthly

Other Deposit Products

Account	APY² / Dividend Rate	Dividend
Patronage Rebate Share	10.00% / 9.57%	Compounded/Paid Monthly
Advantage Checking Superior Plan Checking	.50% / .50%	Compounded/Paid Monthly Avg. Monthly Balance of $1000 to earn dividends
Community Advantage Checking $1,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and greater	.50% / .50% .75% / .75% 1.00% / 1.00%	Compounded/Paid Monthly Avg. Monthly Balance of $1000 to earn dividends
Share Savings	.50% / .50%	Compounded/Paid Monthly
Secondary Share Savings	.50% / .50%	Compounded/Paid Monthly
Holiday Club	.50% / .50%	Compounded/Paid Monthly
Money Market Account $2,500.00 - $9,999.99 $10,000.00–$24,999.99 $25,000.00-$49,999.99 $50,000.00-$74,999.99 $75,000.00 and greater	1.00% / 1.00% 1.10% / 1.09% 1.30% / 1.29% 1.40% / 1.39% 1.50% / 1.49%	Compounded/Paid Monthly

IRA/Roth IRA Savings

$0-$9,999

$10,00.00-$24,999.99

$25,000.00-$49,999.99
$50,000.00-$74,999.99
$75,000.00 and greater

1.00% / 1.00%

1.10% / 1.09%

1.30% / 1.29%

1.40% / 1.39%

1.50% / 1.49%

Compounded/Paid Monthly

Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Your savings federally insured to at least $250,000
and backed by the full faith and credit of the
United States Government.
National Credit Union Administration, a US Govt. Agency

1. A penalty may be imposed for early withdrawal
2. Annual Percentage Yield