Rates effective as of 07/01/2008

Savings Products Loan Products Holiday Club & Vacation Club Mortgage Savings Account Home Equity Money Market Automobile Certificate Deposits (CD)   Recreational Vehicle IRAs Motorcycles & Boats   Signature/Personal   Bill Consolidation   Visa Credit Card   Share Secured

  Holiday and Vacation Club Accounts

Account Type	Min. Opening Balance	Dividend Balance	Dividend Rates	APY*
Holiday and Vacation Club	$50.00	$50.00	0.50%	0.51%

 Savings Account
Minimum deposit of $50 to open account.

Account Type	Min. Opening Balance	Dividend Balance	Dividend Rates	APY*
Share (savings)	$50.00	$250-1,999.99	0.50%	0.51%
		$2,000-4,999.99	0.75%	0.76%
		$5000 - over	1.00%	1.01%

*Rates & terms are subject to change without notice.  *APY = Annual Percentage Yield 

Money Market Account 

Account Type	Min. Opening Balance	Min. Dividend Balance	Dividend Rates	APY*
Money Market	$1000.00	$1000.00	1.50%	1.51%

*Rates & terms are subject to change without notice.  *APY = Annual Percentage Yield 

Certificates of Deposit (CD’s)

Account Type	Min. Opening Balance	Receive Dividends	Dividend Rates	APY*
6 Months CD	$1,000.00	$1,000.00	2.25%	2.27%
1 Year CD	$1,000.00	$1,000.00	3.00%	3.03%
2 Year CD	$1,000.00	$1,000.00	3.25%	3.29%
3 Year CD	$1,000.00	$1,000.00	3.50%	3.55%
4  Year CD	$1,000.00	$1,000.00	3.50%	3.55%
5 Year CD	$1,000.00	$1,000.00	3.50%	3.55%

*Rates & terms are subject to change without notice.  *APY = Annual Percentage Yield

**Dividends are deposited into your savings account monthly.

*** Available with 100% direct payroll deposit checking account

If a certificate is withdrawn or transferred to another institution before the maturity date, there will be a 90 day interest penalty. The principle and accrued interest on the term share accounts will be deposited into the regular share account upon maturity.

IRAs Traditional Share Certificates of Deposit

Account Type	Min. Opening Balance	Min. Dividend Balance	Dividend Rates	APY*
Individual Retirement Accounts
IRA Share Account	$50.00	$50.00	1.00%	1.01%
IRA 1 Year CD	$500.00	$500.00	2.50%	2.51%

Call credit union for more information.

Dividends on IRA share accounts are compounded and credited on a quarterly basis. The day of deposit/day of withdrawal (actual daily balance) method is used to calculate the dividends. This credit union will pay dividends on the full balance in the account whether deposits are made by cash or check. If you close your IRA account before your accrued dividends are credited, no dividends will be paid for that period

*Rates & terms are subject to change without notice.  *APY = Annual Percentage Yield

 Mortgage Rates

Call us for Mortgage Rates at 212-995-3166

FAQ on Mortgages

  Home Equity Loan Rates

NEW PROMOTION: 1% Below Prime Rate* For the First Three Months!
*After 3 months Prime Rate for Life.

Effective Date of Rates: December 11, 2007 (Rates and terms are subject to change without notice)
Prime Rate as of April 30, 2008 -5%

Type of Home Equity Loan	Rate
Home Equity Line of Credit- Variable	Prime Rate-1% for the first 3 months; Prime Rate for the rest of the term
Home Equity Loan	12%

*Annual Percentage Rate (APR) range: Rates listed are the lowest annual percentage rates available. All loans subject to credit approval.

 Auto Loan Rates

Effective Date: May 29, 2008 (Rates are subject to change without notice)

Vehicle Loans
New Auto Loans			Used Auto Loans
Model Years	Term	APR as low as*
2005 - 2008	Up to 36 months	5.50%	5.70%
2005 - 2008	Up to 48 months	5.70%	5.90%
2006 - 2008	Up to 60 months	5.90%	6.10%
2008	Up to 72 months	6.50%	N/A
100% financing of NADA value including tax, title, and registration.

*    Rates with automated payments. Rates for vehicle loans are subject to change without notice. 5% of loan amount frozen in members share account. 
      An NYUFCU share account is required for auto loan account.
**  Refinancing not available on existing NYU FCU auto loans*** Terms greater than 60 months - Amount financed must be $25,000 or greater

New Motocycles & Boats 

Loan Amount	Rate (APR*)	Term
Up To $30,000 80% of purchase price	13.75%	Up to 48 Months

*All rates are annual percentage rates and are accurate as of date of publication. 10% of loan value frozen in share account. 
Rates and terms are subject to change without notice. All loans subject to credit approval. Other conditions and terms may apply.

Contact Member Services Representative at 212-995-3171 and ask for details.

Signature/Personal Loans

60-month maximum term. Loan amounts: $500 - $10,000.

Signature Loans
Term	Max Amount	APR as low as*
Up to 12 months	$10,000.00	9.00%
Up to 24months	$10,000.00	9.50%
Up to 36 months	$10,000.00	10.00%
Up to 48 months	$10,000.00	10.50%
Up to 60 months	$10,000.00	11.00%
Rates subject to change without notice. 10% of loan value frozen in share account.

Bill Consolidation Loans

Consolidating your debts means to transfer some or all of your debts that are at a higher interest rate into one loan payment that charges you a lower interest rate than the one you are currently paying.

Bill Consolidation Loans
Term	Max Amount	APR as low as*
Up to 12 months	$10,000.00	9.00%
Up to 24months	$10,000.00	9.50%
Up to 36 months	$10,000.00	10.50%
Up to 48 months	$10,000.00	11.00%
Up to 60 months	$10,000.00	11.50%
Rates subject to change without notice. 10% of loan value frozen in share account.

VISA Credit Card:

NYUFCU VISA Credit Card features a 11.9% Annual Percentage Rate and no annual fee. Plus, you will enjoy a 25-day grace period on purchases and the convenience of worldwide acceptance.

Share Secured

We will lend you 95% of your collected share balance for 5% over our current dividend rate (.75%). Your can choose a 36 month payback for one flat rate, or a payback of up to 144 months with a quarterly review.

Visit NYUFCU today and complete a short application, or apply online.

Credit Life and Disability Insurance: We offer Credit Life and Disability Insurance for our consumer loan products. This insurance is optional and the cost of the premium is added to your loan payment.

NO minimum deposit, NO minimum balance, NO monthly service charge fees.  Share Draft Accounts