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Rates

Vehicle Loans

Vehicle Loans: 2005-2008

TermFixed Rate (as low as)Sample Payment*
24 months5.75%$663.18
36 months5.75%$454.67
48 months5.75%$350.59
60 months6.20%$291.43
72 months7.20%$257.22
Notes:

* Sample payments based on $15,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Terms up to 96 months are available. See Credit Union for details.

Ask about our Guaranteed Asset Protection (GAP), as well as Mechanical Repair Coverage (MRC).

Rates valid as of 8/11/08 and are subject to change at any time.

Vehicle Loans: 2002-2004

Previously Titled and Registered

TermFixed Rate (as low as)Sample Payment*
24 months5.75%$442.12
36 months5.75%$303.11
48 months6.00%$234.87
60 months6.45%$195.45
72 months7.70%$173.90
Notes:

* Sample payments based on $10,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Terms up to 84 months are available. See Credit Union for details.

Ask about our Guaranteed Asset Protection (GAP), as well as Mechanical Repair Coverage (MRC).

Rates valid as of 8/11/08 and are subject to change at any time.

Vehicle Loans: 2001 and Older

TermFixed Rate (as low as)Sample Payment*
24 months9.50%$367.36
36 months9.75%$257.24
Notes:

* Sample payments based on $8,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates are valid as of 8/11/08 and are subject to change at any time.

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Personal Loans

Signature / Personal Loans: (Unsecured)

[Home Repair, Computer & Auto Loans]

TermFixed Rate
(As Low As)		Sample Payment*
12 months11.00%$88.37
24 months11.50%$46.84
36 months11.75%$33.10
48 months12.00%$26.34
60 months12.25%$22.38
72 months13.00%$20.08
Notes:

* Sample payments based on $1,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.

Rates Effective 8/11/08.

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Home Equity Loans

Home Equity Loan

Term in YearsFixed Rate
(As Low As)		Sample Payment*
1-55.75%$960.88
6-85.90%$654.70
9-126.15%$491.89
13-156.65%$439.78
Notes:

*Sample payment based upon $50,000 dollar loan and the longest term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan to value of home and terms of the loan.

Northern FCU's Loan Rates are Current as of August 11, 2008 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.

Home Equity Line of Credit

Credit Line AmountAPR*Minimum Payment
$50,000 -
$100,000		4.25%A line of credit with a balance of $25,000 would have a minimum monthly payment of $250.
$35,000 -
$49,999		4.50%A line of credit with a balance of $15,000 would have a minimum monthly payment of $150.
$7,500 -
$34,999		4.75%A line of credit with a balance of $8,000 would have a minimum monthly payment of $100.
Notes:

* Annual Percentage Rate

Northern FCU's Loan Rates are Current as of August 11, 2008 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.

  • No Closing Costs as long as line remains open for 36 months.
  • Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the Credit Line, the borrower's credit history, and the Loan to Value ratio.
  • Rate quoted is for 80% LTV, Alternate rates available for LTVs of up to 125% of home's value.
  • Wall Street Journal Prime Rate currently is 5.00%. Last change date was 4/30/2008
  • Rate Cap of 2% per change, 6% per Year, Maximum Rate of 15%
  • 5 Year Draw period and repayment period of up to 240 months(depending on balance due at the end of draw)
  • 1-4 family, owner occupied residence
  • Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater.

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ATV, Snowmobile & RVs (Under 14 Feet)

Other Secured Consumer Loans (snowmobiles, ATVs, etc)

Year 2007-2008

TermFixed Rate
(As Low As)		Sample Payment*
36 months9.44%$160.03
48 months9.69%$126.08
60 months10.44%$107.33
72 months11.24%$95.80
Notes:

* Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 8/11/08 and are subject to change at any time.

Other Secured Consumer Loans (snowmobiles, ATVs, etc)

Year 2003-2006

TermFixed Rate
(As Low As)		Sample Payment*
36 months9.94%$161.20
48 months10.19%$127.28
60 months10.94%$108.57
Notes:

* Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 8/11/08 and are subject to change at any time.

Other Secured Consumer Loans (snowmobiles, ATVs, etc)

Year 1999-2002

TermFixed Rate
(As Low As)		Sample Payment*
24 months10.69%$232.31
48 months11.19%$129.70
60 months11.94%$111.08
Notes:

* Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 8/11/08 and are subject to change at any time.

Other Secured Consumer Loans (snowmobiles, ATVs, etc)

Year 1998 & Older

TermFixed Rate
(As Low As)		Sample Payment*
36 months11.69%$165.34
48 months12.19%$132.15
Notes:

* Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 8/11/08 and are subject to change at any time.

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Boats, Motor Homes & RVs (Up to 10 years old)

(Over 14 feet)

TermFixed Rate
(As Low As)		Sample Payment*
72 months8.50%$622.30
120 months7.50%$415.53
144 months7.00%$360.01
180 months6.50%$304.96
Notes:

* Sample payments based on $35,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 8/11/08 and are subject to change without notice.

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Deposit Secured Loans

Share Secured Loan

To determine the rate on a Share Secured Loan, Add 3 percentage points to the dividend rate being paid on the share account at the time the loan is booked. Terms run from 1 - 72 months. Requirements: You must maintain a share account balance at least equal to the loan balance at all times.

Certificate of Deposit Secured Loan

To determine the rate on a CD Secured Loan, Add 3 percentage points to the dividend rate being paid on the CD at the time the loan is booked. Terms cannot exceed the maturity date of the CD. Requirements: You must maintain a CD account balance at least equal to the loan balance at all times.

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Basic Savings & Club Accounts

Account BalanceAPY**
$50 to $4,999.990.10%
$5,000 to $24,999.990.25%
$25,000 +0.45%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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Easy Savings Accounts

Account BalanceAPY**
$0 to $499.991.00%
$500 to $2,499.991.25%
$2,500 to $4,999.991.75%
$5,000 to $9,999.992.00%
$10,000 and over0.25%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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Money Market

AmountAPY**
$0 - $9,9990.15%
$10,000 - $49,9991.75%
$50,000 - $99,9992.25%
$100,000 and over2.50%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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Rewards Checking

Account BalanceAPY**
$0 to $25,0005.01%
$25,000.01 and over0.10%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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High Yield Savings

Account BalanceAPY**
$0 to $24,999.990.10%
$25,000 and over3.25%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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IRA Savings

Account BalanceAPY**
All Balances0.50%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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Ag-Growth Checking

Account BalanceAPY**
$0 to $2,499.990.00%
$2,500 to $99,999.991.00%
$100,000 and over1.50%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

You must submit a copy of your schedule F of your Federal Income Tax Return to open this account.

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Health Savings Accounts

Account BalanceAPY**
$0 to $999.990.40%
$1,000 to $1,999.991.00%
$2,000 to $4,999.991.25%
$5,000 to $9,999.991.75%
$10,000 to $24,999.992.25%
$25,000 to $49,999.992.75%
$50,000 and over3.25%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

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Share Certificate Rates

Daily BalanceCD With Bonus Dividend APY**CD Without Rewards Bonus Dividend
6 Month Term
$500 - $9,9992.50%2.00%
$10,000 - $34,9992.60%2.10%
$35,000 - $74,9992.70%2.20%
$75,000+2.80%2.30%
12 Month Term
$500 - $9,9992.50%2.00%
$10,000 - $34,9992.60%2.10%
$35,000 - $74,9992.70%2.20%
$75,000+2.80%2.30%
18 Month Term
$500 - $9,9992.50%2.00%
$10,000 - $34,9992.60%2.10%
$35,000 - $74,9992.70%2.20%
$75,000+2.80%2.30%
24 Month Term
$500 - $9,9992.50%2.00%
$10,000 - $34,9992.60%2.10%
$35,000 - $74,9992.70%2.20%
$75,000+2.80%2.30%
30 Month Term
$500 - $9,9992.50%2.00%
$10,000 - $34,9992.60%2.10%
$35,000 - $74,9992.70%2.20%
$75,000+2.80%2.30%
36 Month Term
$500 - $9,9993.00%2.50%
$10,000 - $34,9993.10%2.60%
$35,000 - $74,9993.20%2.70%
$75,000+3.30%2.80%
48 Month Term
$500 - $9,9993.10%2.60%
$10,000 - $34,9993.20%2.70%
$35,000 - $74,9993.30%2.80%
$75,000+3.40%2.90%
60 Month Term
$500 - $9,9993.35%2.85%
$10,000 - $34,9993.45%2.95%
$35,000 - $74,9993.55%3.05%
$75,000+3.65%3.15%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

To qualify for the Relationship Rewards rate, you must be a member in good standing and meet one of the following:

  1. Have an established active Rewards Checking account Or
  2. Have a minimum balance of $25,000 in a regular
    Savings account

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Wealth Builder IRA Certificate

Daily BalanceCD With Bonus Dividend APY**CD Without Rewards Bonus Dividend
6 Month Term
$0 - $9,9992.65%2.15%
$10,000 - $34,9992.75%2.25%
$35,000 - $74,9992.85%

2.35%

$75,000+2.95%2.45%
Notes:

* Annual Percentage Yield is accurate as of 8/11/08 and is subject to change without notice.

** APY=Annual Percentage Yield

To qualify for the Relationship Rewards rate, you must be a member in good standing and meet one of the following:

  1. Have an established active Rewards Checking account Or
  2. Have a minimum balance of $25,000 in a regular
    Savings account

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