Rates

  Share Certificate Term Dividend Rate APY          
  Dividend Rates  
  30 day CD (1 Month) 0.05% 0.05%          
  91 day CD (3 Month) 0.05% 0.05%          
  182 day CD (6 Month) 0.10% 0.10%          
  273 day CD (9 Month) 0.15% 0.15%          
  18 Month CD (Special) 0.25% 0.25%          
  *1 Year CD 0.20% 0.20%          
  *2 Year CD 0.30% 0.30%          
  *3 Year CD 0.40% 0.40%          
  Minimum Balace $3,000 *IRA/Share Certificates  
                 
  Starter Certificate              
  *1 Year CD 0.10% 0.10%          
  Minimum Balance $1000.00  
  Mini Jumbo Certificates              
  182 Day CD 0.20% 0.20%          
  *1 Year CD 0.30% 0.30%          
  Minimum Balance $25,000  
  Savings              
  Share Draft Checking 0.00% 0.00%          
  Share Savings 0.05% 0.05%          
  IRA Share Savings 0.05% 0.05%          
  Christmas/Vacation Club Savings 0.05% 0.05%          
  Effective 10/01/13  
  Fees (view full Fee Schedule)              
  NSF Fee $35.00            
  Paper Statement Fee $1.00            
  Courtesy Pay $35.00            
  Minimum $50.00 share balance required to qualify for a loan  
  Minimum balance requirement for share account is $50.00  
  Third Party Official Checks $5.00  
  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  
  Loan Type           APR  
  New Vehicle              
  Up to 36 Months as low as 2.99%  
  Up to 48 Months as low as 3.49%  
  Up to 60 Months as low as 3.69%  
 
  Used Vehicles    
  24 months as low as 2.99%  
  48 Months as low as 3.89%  
  60 Months as low as 3.99%  
 
  Platinum Loan 8.25%  
  Ind. income $48,000 per year, current job 1 year, debt to Income less than 40%,no delinq for 24 months, or bankruptcy.  
 
  Share Secured              
  42 months 3.00%  
  60 Months 3.25%  
 
  Share Certificate              
  2% APR above CD rate issued.
Term based on certificate maturity date.
 
 
  New Boat, Recreational Vehicles              
  up to 120 months as low as 8.75%  
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 shall not exceed 50% 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 pre-payment penalties on any NARC loans, and minimum monthly payments are.

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