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Our Rates

THE FOLLOWING INTEREST RATES AND FEES ARE EFFECTIVE January 18, 2008 AND ARE SUBJECT TO CHANGE WITHOUT NOTICE

Savings

	Minimum Balance	Dividend Rate	Method of Compounding	Annual Percentage Yield (APY)

Checking

	Minimum Balance	Dividend Rate	Method of Compounding	Annual Percentage Yield (APY)

Money Market

	Minimum Balance	Dividend Rate	Method of Compounding	Annual Percentage Yield (APY)

Certificates

	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)

IRA Certificates (Traditional / Roth / Education)

	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)

* Rates are subject to change without notice. Dividends are calculated from date of deposit to date of withdrawal. Rates shown for certificates are contracted when the account is opened and upon renewal. Rates shown for primary savings, IRA savings, and checking accounts are projections only, since dividends are paid from available earnings declared at the end of the compounding period.
** The minimum initial deposit for a Traditional or Roth IRA Certificate is $1,000.00. The minimum initial deposit for an Education IRA Certificate is $500.00.
IRAs may be transferred from another institution or rolled over from another savings plan.
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL.

PROMOTIONAL & BUMP FIXED RATE ACCOUNTS

	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)

	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)	Dividend Rate	Annual Percentage Yield (APY)

Dividends on Certificate Accounts are compounded Monthly

Dividends on IRA Certificate Accounts are compounded Daily

* Roth, Traditional and Education IRAs are available.

* Rates are subject to change without notice. Dividends are calculated from date of deposit to date of withdrawal. Rates shown for certificates are contracted when the account is opened and upon renewal. Rates shown for primary savings, IRA savings, and checking accounts are projections only, since dividends are paid from available earnings declared at the end of the compounding period. ** The minimum initial deposit for a Traditional or Roth IRA Certificate is $1,000.00. The minimum initial deposit for an Education IRA Certificate is $500.00. IRAs may be transferred from another institution or rolled over from another savings plan. SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

Actual rate received is based on your credit performance. All loans rates listed reflect a .25 discount for automatic payment transfer or ACH deposit

Home Equity Loans

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Minimum loan amount $5000. Maximum loan-to-value 80% up to $250,000 loan. **Application fee in addition to processing fees are waived unless loan is paid-off within 36 months of funding date.

Minimum loan amount $5000. Maximum loan-to-value 90% up to $150,000 loan. **Application fee in addition to processing fees are waived unless loan is paid-off within 36 months of funding date.

HELOC Rates

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*On the following Home Equity Line-of-Credit products, the index is based on the previous month's Prime Rate as reported by the Wall Street Journal. The margin is determined by individual credit performance. Products have a 2% annual cap and 18% lifetime cap. Minimum Loan Amount $10,000
***Application fee in addition to processing fees are waived unless loan is paid-off within 36 months of funding date.

Home Equity Line-of-Credit Interest Rates

Other Loan Programs

Contact a Consumer Loan Officer regarding lower rates!!! NuVision Federal Credit Union provides timely closing for all loan programs.

Rates are subject to change without notice. All Home Equity Loans are Primary Residences only.

Interest Rates and APR may vary depending on Origination and Discount Points, loan fees, loans amount, credit, and property type. APR is the annual cost of a loan including interest, loan fees and other costs.

EQUAL HOUSING LENDER We do business with Federal Fair Housing Law and the Equal Credit Opportunity Act.

Actual rate received is based on your credit performance.

All loans rates listed reflect a .25 discount for automatic payment transfer or ACH deposit

Rates are subject to change without prior notice.

All loans are made subject to credit approval and membership/employment, and in accordance with terms, regulations, insurance requirements and policies on file in NuVision Federal Credit Union's Master Loan Policy. Above rates and terms represent a guideline for maximum loan amounts allowable but do not guarantee that an applicant will qualify for those maximums. Loan amounts are based on Member's ability to repay and credit performance. All rates are based upon an evaluation of each applicant's credit. Your actual rate will depend on your credit history.

(1) Additional .25% interest rate if an automatic payment transfer to the loan or ACH deposit is not established
(2) New RVs - includes RVs for current year, previous year, and next year (2005,2006)
(3) Used RVs - Older models 1997-2005
(4) Including Jet Skis, Wave Runners, Sea Doos,ATV's, Boats and Others.
(5) Including RV's,Travel Trailers,Motor Coaches,Self-Contained Camper-Vans.
(6) ATV's - new only, maximum loan amount $7,500.00 - 5 year repay

EQUAL HOUSING LENDER--We do business with Federal Fair Housing Law and the Equal Credit Opportunity Act.

The following interest rates and fees are subject to change without notice.

Rates as of

Assumptions and Disclaimer

*Rate discount has been applied