N.A.R.C. Federal Credit Union

SEPTEMBER 8, 2010

OTHER LINKS

Account Access

Loan Application

CU Mortgage

Check Reorder

MasterCard SecureCode

Dividend Rates

Share Certificate Term

Dividend Rate

APY

30 day CD (1 Month)

0.25%

91 day CD (3 Month)

0.30%

182 day CD (6 Month)

0.35%

273 day CD (9 Month)

0.40%

18 Month CD (Special)

0.65%

*1 Year CD

0.55%

*2 Year CD

0.80%

*3 Year CD

1.40%

1.41%

Minimum Balace $3,000 *IRA/Share Certificates

Starter Certificate

*1 Year CD

0.35%

Minimum Balance $1000.00

Mini Jumbo Certificates

182 Day CD

0.70%

*1 Year CD

0.80%

Minimum Balance $25,000

Savings

Share Draft Checking

0.00%

Share Savings

0.20%

IRA Share Savings

0.20%

Christmas/Vacation Club Savings

0.20%

Effective 08/02/10

Fees

Traveler's Cheques

$1.00 per $100

NSF Fee

$28.00

Courtesy Pay

$30.00

Minimum $50.00 share balance required to qualify for a loan

Minimum balance requirement for share account is $50.00

Third Party Official Checks

APY and Rates are subject to change at any time byBoard of Directors.

$3,000 required to open and maintain certificates except Mini-Jumbo certificate which are $25,000 minimum. Substantial penalties for early withdrawal.

Loan Rates

With Direct Deposit

Without Direct Deposit

Loan Type

to Share Access Account

New Vehicle

5.19%

6.19%

5.39%

6.39%

5.69%

6.69%

Used Vehicles

5.99%

6.99%

6.19%

7.19%

Anytime Loan

9.99%

10.99%

Overdraft Protection Line of Credit Sharedraft

13.50%

New Motorcycle

9.25%

10.25%

Used Motorcycle

9.75%

10.75%

Share Secured

3.00%

4.00%

3.25%

4.25%

Debt Consolidation

10.50%

11.50%

12.50%

13.50%

14.50%

Platinum Loan

9.25%

10.25%

Ind. income $40,000 per year, current job 1 year, debt to Income less than 40%,no delinq for 24 months, or bankruptcy.

Personal Signature Loan

11.25%

12.25%

Holiday Loan

12.00%

13.00%

Share Certificate Loan

2% APR above rate which certificate was issued, with Direct Deposit

3% APR above rate which certificate was issued, without Direct Deposit

Term not to exceed certificate maturity date

New Boats, Motor Homes, and Van Conversions

8.75%

9.75%

Used Boats, Motor Homes, and Van Conversions

9.75%

10.75%

Home Equity Line of Credit

NY prime- (with or without direct dep) Adjusted semi-annual, closing costs appraisal costs apply.

no points. APR floor 7.50% (with or without APR Maximum 18% - direct dep)

Second Mortgage

6.25%

7.25%

closing costs and appraisal costs apply, no points.

Stocks & Bond Secured

7.25%

8.25%

listed on NY, American, or NASDAQ Exchange

NOTICE: Rates are subject to change without notice.

ALL COMAKERS MUST BE QUALIFIED MEMBERS

Debt payment to income ratio: Total monthly payments on all installment debts including housing expense sl1all not exceed 45% of member's stable
monthly income. Stable monthly income Is the member's gross monthly income from primary employment earning plus recognizable secondary
income. If purchasing from dealer, every effort should be made to have a signed accepted contract (usually by sales manager). All
owners of property must sign note. If in a calendar year you apply for any loan and are denied more than two times, a $25.00 processing fee will
be levied on each additional application. Staledated loans: after 45 days all staledated or canceled loans will be charged a $10.00 handling fee.
**ALL LOAN APPLICATIONS MUST HAVE EMPLOYMENT & INCOME VERIFICATION" ALL INTEREST RATES AND TERMS ARE SUBJECT TO
CHANGE.To Qualify for the APR discount, the loan payment must be set up as a distribution of the net paycheck. Direct Deposit or other automatic
payment method. "Prime" refers to NY Prime Rate. .There .are- no p.re-payment penalties on any NARC loans, and minimum monthly payments are

N.A.R.C. Federal Credit Union
5601 Sunnyside Ave.
Beltsville, MD 20705
Phone: 301-474-0200
Fax: 301-474-0099

This credit union is federally insured
by the National Credit Union Administration.