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Rates

Vehicle Loan Rates as of May 2013

Loan	$ Amount	Term	Rate
New Auto	80% of Purchase Price - Up to 100% is Available	12 mo	2.90%
New Auto	80% of Purchase Price - Up to 100% is Available	24 mo	3.90%
New Auto	80% of Purchase Price - Up to 100% is Available	36 mo	4.99%
New Auto	80% of Purchase Price - Up to 100% is Available	48 mo	5.25%
New Auto	80% of Purchase Price - Up to 100% is Available	60 mo	5.49%
New Auto	80% of Purchase Price - Up to 100% is Available	72-84 mo for amounts over $40,000.00	8.25%
Used Auto	Subject to Price Listed in Red Book	Up to 36 mo	6.99%
Used Auto	Subject to Price Listed in Red Book	37 - 60 mo	7.99%
Used Auto	Subject to Price Listed in Red Book	72 - 84 mo for amounts over $40,000.00	8.99%
New or Used Boat	70% of Appraised or Purchase Value	Up to 36 mo with Balloon - Based on 15 year amortization	8.95%

Would you like to estimate the payments on any of these loans? Our loan calculator can help you with the numbers.

Loan Rates as of May 2013

Loan	$ Amount	Term	Rate
Mitchell-Lama Co-op Equity	75% of Value	Up to 36 months	5.99%
Mitchell-Lama Co-op Equity	75% of Value	37 to 60 months	6.49%
Mitchell-Lama Co-op Equity	75% of Value	61 to 84 months for amounts over $25,000.00	7.99%
Mitchell-Lama Co-op Equity	75% of Value	85 to 120 months for amounts over $50,000.00	9.25%
Cooperative Equity	$15,000 See Mortgage Sheet for Higher Limits	Up to 36 months	5.99%
Cooperative Equity	$15,000 See Mortgage Sheet for Higher Limits	37 to 60 months	6.49%
Business loans	Up to 180 with available balloon notes based on 30 year amortization	Up to 80% of value	6.00% to 15.00%
Secured	100% of shares	Up to 60 months	2.5% above rate
Secured	75% of shares 25% above shares not to exceed $4,000 above shares	Up to 60 months	4.99%
Unsecured	Up to $25,000	Up to 84 mo	5.49% credit score 650+ 7.99%
Mortgage	Based on appraisal	Up to 360 mo	See mortgage rate sheet

• All unsecured and cosigner loans require a share balance of 15% of the original loan balance
• Borrowers with negative credit (ie: late payments due, collection, judgement\lien, chargeoff, bankruptcy within two years) are subject to a 2.00% increase on the current rate listed and 4.00% increase on Unsecured loans.
• Rates subject to change at any time.

Mortgage Rates as of May 2013

Loan Term	Rate
2 Year Balloon 1	3.85%*
5 Year Balloon 2	4.75%*
8 Year Balloon 3	5.25%
15 Year Balloon **Limited Offer** 4	5.75%
5 Year Fixed	4.50%*
10 Year Fixed	5.50%*
15 Year Fixed	5.65%*

Docs Needed

• Uniform Residential Loan Application
• Last year's tax returns
• Paystub(s)

Pre-Approval Time

72 hours

1. Up to 30 years to amortize. First two years with balloon note, additional balloon notes every two years with CU guarantee to hold loan for full 30 years.
2. Up to 30 years to amortize. First five years with balloon note, additional balloon notes every five years with CU guarantee to hold loan for full 30 years.
3. Up to 30 years to amortize. First eight years with balloon note, additional balloon notes every eight years with CU guarantee to hold loan for full 30 years.
4. Up to 30 years to amortize. First fifteen years with balloon note, additional balloon notes every fifteen years with CU guarantee to hold loan for full 30 years.

*Borrowers with negative credit, including but not limited to, late payments, collection accounts, judgments, charge-off's and bankruptcies (within 2 years) are subject to a 2.00% increase on the current rate listed.
Approval time varies based upon completed applications. Applications with missing information have a longer approval time.
For investment, commercial & larger family properties add a minimum 1.50%
Refinance of credit union loans to only lower rate, require 1.50 points & a $250.00 fee
Co-op or Condo: Maximum available not to exceed 75% of appraised value. Minimum $10,000.00
1-4 Family Home: Maximum not to exceed 80% of appraised value. Minimum $10,000.00

Savings Rates as of May 2013

Account	$ Amount	Rate	APY
Saving Share Accounts	Under $25,000.00	0.05%	0.05%
Saving Share Accounts	Over $25,000.00	0.25%	0.25%
Checking Accounts	All	0.10%	0.10%
IRA Savings Accounts	All	0.50%	0.50%
Club and Escrow Accounts	All	0.10%	0.10%

• APY = Annual Percentage Yield
• Rates subject to change at any time.

Certificate of Deposit Rates as of May 2013

Account	Min. Dep. Req.($)	Rate	APY
1 Year CD	$500.00	0.50%	0.50%
2 Year CD	$500.00	0.75%	0.75%
3 Year CD	$500.00	1.00%	1.00%
5 Year CD	$500.00	1.50%	1.51%

• APY = Annual Percentage Yield
• Rates subject to change at any time.
• The penalty for early withdrawal on CD's is 90 days simple interest at the CD rate.
• Partial or full redemptions for required distributions may not be subject to the "90 days interest" penalty.

Additional Information and Fees

The fee schedule is available on the TIS Disclosure page.

NMLS Information
Anna Carbone #493986
Stephen Jacoby #875551