Rates

Loan Rates

• Auto Loans

  Model Year	Terms	APR**
  2020 - Present	0-60 Months 61-66 Months 67-75 Months 76-84 Months	5.04% 5.14% 5.24% 6.34%
  2016 - 2019	0-60 Months 61-66 Months 67-75 Months 76-84 Months	6.04% 6.14% 6.24% 7.34%
  2013 - 2015	0-60 Months 61-66 Months 67-75 Months 76-84 Months	6.54% 6.64% 6.74% 7.84%

  **Risk Based: The Annual Percentage Rate (APR) you receive is based on your credit worthiness, your Member Relationships with NAEFCU, the age of vehicle, and whether or not it is an existing NAEFCU loan. Please ask a loan officer for the rate that you qualify.

• Recreational Loans

  Type	Terms	APR**
  Recreational Vehicles (Campers & Boats)	Up to 120 Months	6.79%

  **Rates as low as. APR=Annual Percentage Rate

• Motorcycle Loans

  Type	Terms	APR**
  Motorcycles	Up to 75 Months	6.29%

  **Rates as low as. APR=Annual Percentage Rate

• Share Secured Loans

  Type	Terms	APR**
  Shared Secured	0 - 60 Months	3.00% Above Current Rate

  **Rates as low as. APR=Annual Percentage Rate

• Certificate Secured Loans

  Type	Terms	APR**
  Certificate Secured	12 - 60 Months	3.00% Above Current Rate

  **Rates as low as. APR=Annual Percentage Rate

• Signature Loans

  Type	Terms	APR**
  Signature Loans	0 - 24 Months 25 - 60 Months 61 - 72 Months	8.79% 8.99% 10.75%

  **Rates as low as. APR=Annual Percentage Rate

• Visa Platinum Credit Card Loans

  Type	APR**
  Visa Platinum Credit Card	8.99%

  *Rates as low as. **Rates as low as. APR=Annual Percentage Rate

Share Rates

• Share Savings

  Type	Minimum Balance To Open Account	Minimum Balance To Earn Dividends	APR*	APY*	Dividends Post
  Share Savings	$5.00	$1,000-$10,000 $10,001+	0.02% 0.04%	0.02% 0.04%	Quarterly

• Vacation Club

  Type	Minimum Balance To Open Account	Minimum Balance To Earn Dividends	APR*	APY*	Dividends Post
  Vacation Club	$0.00	$100-$4,000 $4,001-$6,000 $6,001+	0.03% 0.05% 0.07%	0.03% 0.05% 0.07%	Monthly

• Christmas Club

  Type	Minimum Balance To Open Account	Minimum Balance To Earn Dividends	APR*	APY*	Dividends Post
  Christmas Club	$0.00	$100-$4,000 $4,001-$6,000 $6,001+	0.03% 0.05% 0.07%	0.03% 0.05% 0.07%	Monthly

• Money Market

  Type	Minimum Balance To Open Account	Minimum Balance To Earn Dividends	APR*	APY*	Dividends Post
  Money Market	$0.00	$1,000-$20,000 $20,001-$100,000 $100,001+	0.04% 0.14% 0.20%	0.04% 0.14% 0.20%	Monthly

• Youth Savings (Looney Toons)

  Type	Minimum Balance To Open Account	Minimum Balance To Earn Dividends	APR*	APY*	Dividends Post
  Youth Savings (Looney Toons)	$0.00	$1,000-$20,000 $20,001-$100,000 $100,001+	0.04% 0.14% 0.20%	0.04% 0.14% 0.20%	Monthly

• IRA Shares

  Type	Minimum Balance To Open Account	Minimum Balance To Earn Dividends	APR*	APY*	Dividends Post
  IRA Shares	$0.00	$100-$20,000 $20,001-$100,000 $100,001+	0.05% 0.10% 0.15%	0.05% 0.10% 0.15%	Monthly

• Share & IRA Certificates

  Term	Minimum Balance To Earn Dividends	Standard Relationship APR*	APY*	Preferred Relationship APR*	APY*
  6 Months Other Terms: 7, 8, 9, 10, & 11	$1,000-$25,000 $25,001-$100,000 $100,001+	1.74% 1.74% 1.74%	1.75% 1.75% 1.75%	2.03% 2.03% 2.03%	2.05% 2.05% 2.05%
  12 Month Other Terms: 13, 15, & 16 Mo	$1,000-$25,000 $25,001-$100,000 $100,001+	1.94% 1.94% 1.94%	1.95% 1.95% 1.95%	2.48% 2.48% 2.48%	2.50% 2.50% 2.50%
  18 Months Other Terms: 19, 20, 21, & 22	$1,000-$25,000 $25,001-$100,000 $100,001+	2.52% 2.52% 2.52%	2.55% 2.55% 2.55%	2.82% 2.82% 2.82%	2.85% 2.85% 2.85%
  24 Months Other Terms: 30 & 35	$1,000-$25,000 $25,001-$100,000 $100,001+	2.72% 2.72% 2.72%	2.75% 2.75% 2.75%	3.01% 3.01% 3.01%	3.05% 3.05% 3.05%
  36 Months	$1,000-$25,000 $25,001-$100,000 $100,001+	3.01% 3.01% 3.01%	3.05% 3.05% 3.05%	3.84% 3.84% 3.84%	3.90% 3.90% 3.90%
  48 Months	$1,000-$25,000 $25,001-$100,000 $100,001+	3.01% 3.01% 3.01%	3.05% 3.05% 3.05%	3.84% 3.84% 3.84%	3.90% 3.90% 3.90%
  60 Months	$1,000-$25,000 $25,001-$100,000 $100,001+	3.01% 3.01% 3.01%	3.05% 3.05% 3.05%	3.84% 3.84% 3.84%	3.90% 3.90% 3.90%

  Dividends posted monthly for all terms.
  Effective date 10/10/2023.
  Rates can Change at Any time.