Newspaper Employees Credit Union

Shares | Loans

NECU is offering a "bump up" rate opportunity for new share deposits. Buy a share deposit now, and if we raise our rates during the term of the certificate, you may "bump up" your rate to the new rate for the remainder of the term of your deposit. Call the NECU office for details.
Not available on share certificates issued prior to Aug. 25, 2005; one bump per term of the certificate.

Shares
ACCOUNT	MIN. DEPOSIT	RATE	APY^*
SHARE CERTIFICATES
6 Months	$500	3.25%	3.29%
12 Months	$500	3.25%	3.29%
18 Months	$500	3.25%	3.29%
24 Months	$500	4.00%	4.06%
36 Months	$500	4.00%	4.06%
IRA CERTIFICATES
12 Months	$500	3.50%	3.546%
24 Months	$500	4.00%	4.06%
48 Months	$500	4.25%	4.318%
ROTH CERTIFICATES
12 Months	$500	3.50%	3.546%
24 Months	$500	4.00%	4.06%
48 Months	$500	4.25%	4.318%
60 Months	$500	4.25%	4.318%
CHRISTMAS CLUB		4.00%	4.06%
SHARE SAVINGS**		1.25%**

* APY (Annual Percentage Yield) calculations are based on monthly compound interest for Share Certificate accounts and quarterly compound interest for IRA and ROTH accounts and assumes principal and interest remain on deposit at current rate for one year. However, rates are subject to change.

** Unlike other rates, share savings dividends are set after the close of the quarter in which the shares remained on deposit. The rate shown above is for the quarter ended March 31, 2008. The credit union cannot predict or promise what future dividends will be.

• Share Certificates: Interest accrued monthly, compounded quarterly, paid at maturity.

• IRA and ROTH Certificates: Interest paid quarterly.

• $500 minimum deposit for IRA and ROTH Certificates.

• Christmas Club interest not paid if money is withdrawn before maturity.

Loan Rates
	% Rate and Maximum Term
Share Secured Fully secured by shares with NECU
Closed-end loans (S) Open-end loans (SO)	as low as 5.99% 120 months as low as 6.99% 120 months
New Vehicle Loans (NV)
Year 2007-2008 untitled or less than 1,000 mi.	as low as 4.49% up to 72 months as low as 5.49% up to 84 months
Newer Used Vehicle Year 2006-2007 more than 1,000 mi.	as low as 5.49% up to 72 months
Used Vehicle (V) based on NADA High Book
2005-2003	as low as 5.49% 60 months
2002-older	as low as 6.49% 48 months
Signature
Closed-end (A)	as low as 10.99% 36 months, maximum $5,000
Open-end (AO)	as low as 13.49% 36 months, maximum $3,000
Partially secured (M) (at least 50% secured)
	as low as 9.49% 48 months
Emergency (B)
	as low as 13.0% 12 months
Risk-based (RB)
	as low as 15.99% 36 months

Updated April 23, 2008