Loan Rates — Effective as of Saturday, May 27, 2017

Personal Loans and Lines

Name Term APR Payment per Thousand
Safetyline of Credit N/A 7.990%1 N/A
1 Year Personal Loan 12 Months 9.990%1 $87.91
2 Year Personal Loan 24 Months 9.990%1 $46.14
3 Year Personal Loan 36 Months 9.990%1 $32.26
4 Year Personal Loan 48 Months 9.990%1 $25.36
5 Year Personal Loan 60 Months 9.990%1 $21.24

VISA® Credit Cards

Name Term APR Payment per Thousand
Verified By VISA N/A N/A N/A
VISA® Advantage Credit Card2 N/A 8.49%-17.99%1 N/A
VISA® Signature Elite Credit Card2 N/A 11.49%-17.99%1 N/A

Auto Loans3

Name Term APR Payment per Thousand
2016 + 2017 New Auto Loan 12 Months 1.700%1 $84.10
2016 + 2017 New Auto Loan 24 Months 1.700%1 $42.41
2016 + 2017 New Auto Loan 36 Months 1.700%1 $28.51
2016 + 2017 New Auto Loan 48 Months 1.700%1 $21.56
2016 + 2017 New Auto Loan 60 Months 1.700%1 $17.40
2016 + 2017 New Auto Loan 72 Months 2.000%1 $14.62
2016 + 2017 New Auto Loan 84 Months 2.990%1 $12.64
2016 + 2017 New Auto Loan 96 Months 3.240%1 $11.84
2015 Auto (12 Month Term) 12 Months 2.240%1 $84.35
2015 Auto (24 Month Term) 24 Months 2.240%1 $42.65
2015 Auto (36 Month Term) 36 Months 2.240%1 $28.75
2015 Auto (48 Month Term) 48 Months 2.240%1 $24.80
2015 Auto (60 Month Term) 60 Months 2.240%1 $17.64
2015 Auto (72 Month Term) 72 Months 2.240%1 $14.86
2015 Auto (84 Month Term) 84 Months 3.480%1 $13.44
2009-2014 Auto (12 Month Term) 12 Months 2.290%1 $84.37
2009-2014 Auto (24 Month Term) 24 Months 2.290%1 $42.67
2009-2014 Auto (36 Month Term) 36 Months 2.290%1 $28.77
2009-2014 Auto (48 Month Term) 48 Months 2.290%1 $21.82
2009-2014 Auto (60 Month Term) 60 Months 2.290%1 $17.65
2009-2014 Auto (72 Month Term) 72 Months 2.590%1 $15.00

Other Vehicle Loans

Name Term APR Payment per Thousand
1-3 Year Boat or RV 36 Months 6.250%1 $30.54
4-6 Year Boat or RV 72 Months 6.500%1 $16.81
7-9 Year Boat or RV 108 Months 7.000%1 $12.51
10-12 Year Boat or RV 144 Months 8.000%1 $10.82
1-3 Year Motorcycle 36 Months 6.500%1 $30.65
4-6 Year Motorcycle 72 Months 7.000%1 $17.05

Home Equity

Name Term APR Payment per Thousand
Powerline Line of Credit N/A 0.990%4 N/A
PowerLoan Fixed Rate Home Equity 60 Months 3.740%1 $18.19

1 APR = Annual Percentage Rate. Rates shown are the lowest rates offered for the advertised product. Applicants who are not approved at these rates may be offered a higher rate. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved.

2 Subject to the VISA Advantage terms and conditions and VISA Signature Elite terms and conditions. Please refer to your VISA Signature Benefits Guide for full details on your benefit program. All loans are subject to credit approval.

3 NEFCU will finance vehicles from 2009 and newer. Minimum vehicle loan amount for a 6-year term is $15,000, the minimum for a 7-year term is $25,000; and $30,000 for an 8-year term. Not all borrowers will qualify for 96 month financing. In order to qualify, the borrower must maintain a credit score of 670 or higher. Only new vehicles will qualify for an 8-year term with a maximum loan-to-value equal to 100%.

4 APR = Annual Percentage Rate. 0.99% APR is fixed for the first 6 months. Rate floor is the Prime Rate, currently 4.00%. Rates are based on the Prime Rate published in the Wall Street Journal plus a margin of up to 2.5%. Any changes to the Prime Rate within the month as published in the WSJ will result in a change to a borrower’s rate effective the first of the following month. Rate will revert to as low as Prime once the 6 month introductory period has expired. Rates shown are the lowest rates offered for the advertised product. Not all applicants may qualify for a special introductory rate. Applicants who are not approved at these rates may be offered a higher rate. The maximum APR imposed under the plan will not exceed 18%.