Rates effective as of 1/30/2012

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	0.05%	0.06%

 Savings Account
Minimum deposit of $50 to open account.

Account Type	Min. Opening Balance	Dividend Balance	Dividend Rates	APY*
Share (savings)	$50.00	$50.00	0.05%	0.06%

*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	0.10%	0.11%

*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*
1 Year CD	$1,000.00	$1,000.00	0.10%	0.11%
2 Year CD	$1,000.00	$1,000.00	0.10%	0.11%

*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If a certificate is withdrawn or transferred to another institution before the maturity date, there will be a 90 day interest penalty.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	0.10%	0.11%
IRA 1 Year CD	$500.00	$500.00	0.10%	1.01%

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

• We offer mortgages on 1-4 family homes, COOPs and condos in NY and NJ.

• The same rates apply on the purchase of a new home and on the refinance of an existing mortgage

  For new loans, the maximum allowable discount points to be paid will be two (2).  The buyup/buydown spread for 1 point  is .125%.  

  Click here for MORTGAGE RATES .

  Home Equity Loan Rates

Effective Date of Rates: September 19, 2011 (Rates and terms are subject to change without notice)
Prime Rate as of August 31, - 3.25%

*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: November 1, 2011 (Rates are subject to change without notice)

Vehicle Loans
New Auto Loans			Used Auto Loans
Model Years	Term	APR as low as*
2009	Up to 36 months	5.50%	5.50%
2010	Up to 48 months	4.50%	4.50%
2011-2012	Up to 60 months	3.25%	3.25
100% financing of NADA value. 5% of the loan balance pledge on savings account.

*    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.

 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	10.50%
Up to 48 months	$10,000.00	11.00%
Up to 60 months	$10,000.00	11.50%
Rates subject to change without notice. 5% 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	$45,000.00	9.00%
Up to 24months	$45,000.00	9.50%
Up to 36 months	$45,000.00	10.50%
Up to 48 months	$45,000.00	11.00%
Up to 60 months	$45,000.00	11.50%
Rates subject to change without notice. 10% of loan value frozen in share account. On some loans we may also require to have a direct deposit.

  Vacation Loans

Maximum amount is $3000   Term -12 month     Rate -8%

VISA Credit Card:

NYUFCU VISA Classic 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. The rate on our Visa Gold Credit Card is 6.90% for the first 6 months and 8.9% fixed rate after 6 months introductory rate and no annual fee. Also, you will earn one free mile for every dollar you spend.

  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.