Newark Firemen
Federal Credit UnionServing Our Members Since 1940

Rates

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Effective: December 31, 2012

Account	Minimum Balance	Annual Percentage Rate	Annual Percentage Yield
Shares	$100.00	0.10%	0.1001%

Share Drafts
	$100 - $1,999	0.10%	0.1001%
	$2,000 - $9,999	0.15%	0.1501%
	$10,000 - $24,999	0.20%	0.2001%
	$25,000 - $49,999	0.25%	0.2501%
	$50,000 - $99,999	0.30%	0.3001%
	$100,000 - up	0.35%	0.3501%

Super Saver
	$300 - $4,999	0.10%	0.1001%
	$5,000 - $19,999	0.15%	0.1501%
	$20,000 - $49,999	0.25%	0.2501%
	$50,000 - $99,999	0.30%	0.3001%
	$100,000 - up	0.40%	0.4001%

Christmas Club	$20.00	1.00%	1.0037%

Holiday Club	$25.00	1.00%	1.0037%

Share Certificates
3 Months	$500.00	0.45%	0.4501%
6 Months	$500.00	0.50%	0.5001%
12 Months	$500.00	0.70%	0.7001%
18 Months	$500.00	0.90%	0.9001%
24 Months	$500.00	1.00%	1.0037%
30 Months	$500.00	1.10%	1.1001%
36 Months	$500.00	1.20%	1.2001%
48 Months	$500.00	1.50%	1.5001%
60 Months	$500.00	1.75%	1.7501%

Effective: March 31, 2013

Type	Financing	Loan Limit	Term	APR
Auto, Truck and Motorcycles
New (not titled)	100%	$50,000	72 months	6.00%**
Used (1-2 years old)	100%	$25,000	60 months	6.75%**
Used (3-5 years old)	100%	$20,000	50 months	7.75%**
Used (6 years+)	100%	$15,000	48 months	8.75%**

Personal Loans as low as...
Signature	Unsecured	$7,500	48 months	8.95%**
Secured	Shares	100% Pledge	60 months	4.95%**
Debt Consolidation	Unsecured	$30,000	120 months	8.50%**

Home Equity Loans
Fixed-Rate Regular	80% of appraised value, less any liens	$100,000	5 years	4.00%**
	80% of appraised value, less any liens	$100,000	10 years	4.50%**
	80% of appraised value, less any liens	$100,000	15 years	5.00%**
Fixed-Rate Special	80% of appraised value, less any liens	$50,000	5 years	4.00%**