Rates

All rates are subject to change at any time without notice.
See the bottom of each section for complete terms and conditions.

Vehicle, Personal, Vacation & Holiday Loans	Term	APR* Starting at:	Payment Per Thousand
* APR = Annual Percentage Rate. The APRs you receive will be based on your credit history. The APRs quoted in this table reflect a 1.00% APR discount for direct deposit of net pay, Social Security or pension benefits coupled with automatic payment. Rates are accurate as of the date printed above, subject to change, and replace all previously quoted APRs. These offerings are for a limited time and may be withdrawn or changed at any time without notice.
New Car, Light Truck, Van or SUV	36	4.25%	$29.64
2009 - 2010 model years, maximum 4,000 miles	48	4.50%	$22.80
Maximum loan: $65,000	60	4.50%	$18.64
	72	5.25%	$16.22
	84	5.75%	$14.49

*Used Car, Light Truck, Van or SUV*	36	4.50%	$29.75
2007 - 2010 model years	48	4.75%	$22.92
Maximum loan: $65,000	60	5.125%	$18.93
	72	5.75%	$16.46
	84	6.25%	$14.73

*Used Car, Light Truck, Van or SUV*	36	4.50%	$29.75
2004 - 2006 model years	48	4.75%	$22.92
Maximum loan: $65,000	60	5.125%	$18.93
(72 & 84 mo. up to 90% financing only)	72	5.75%	$16.46
	84	6.25%	$14.73

*Used Car, Light Truck, Van or SUV*	36	7.50%	$31.11
2003 and older model years	48	7.75%	$24.30
Maximum loan $20,000 (up to 90% financing only)	60	8.125%	$20.34

*New Motorcycle*	48	5.375%	$23.20
Maximum loan: $40,000	60	5.75%	$19.22
	72	6.25%	$16.69
	84	6.75%	$14.97

*Used Motorcycle*	48	5.75%	$23.37
Maximum loan: $40,000	60	6.125%	$19.39
	72	6.625%	$16.87
	84	6.875%	$15.03

*New & Used Boat / RV*	48	6.875%	$23.89
Maximum loan: $45,000 Boat; $50,000 RV	72	7.75%	$17.41

*Personal (Signature)*	12	9.25%	$87.57
	24	10.25%	$46.26
	36	10.75%	$32.62
	48	11.25%	$25.97
	60	11.25%	$21.87
***Minimum loan amount: $7,500; Maximum loan $20,000 on our 72 and 84 month loans.	72***	11.75%	$19.42
	84***	12.00%	$17.65

*Vacation / Holiday* Maximum loan: $2,500	24	8.75%	$45.57

Main Share Secured and Overdraft Protection	Term	APR**	Payment Per Thousand
** APR = Annual Percentage Rate.
*Main Share Secured* (variable rate)††	60	3.20%	$18.15
†† APR may increase or decrease during the term of the loan based on an increase or decrease of the Credit Union's Main Share account dividend rate (index) plus 3% (margin). The rate will not increase or decrease more than once per month. Any increase will take the form of a larger amount at final payment.

*Overdraft Protection* (variable rate) Maximum loan: $5,000†††	N/A	13.75%	†††
††† Minimum monthly payment — Greater of $50.00 or 2½% of outstanding balance.

†††† Variable rate - Based on the month-end prime lending rate as published in The Wall Street Journal on the last business day of the month plus 4.99%.

Minimum loan amount is $750.00 and minimum loan payment is $50.00 per month. All new auto, motorcycle, boat and RV loans will be based on 100% MSRP plus tax and title. All used auto, motorcycle, boat and RV loans will be based on 100% NADA book value plus tax and title.

Mortgage Loans

First Mortgages — Available in all New England states

Home Equity & Home Improvement — Available in MA, ME, NH & RI

Mortgage Rate Type	Rate	Points	APR*	Payment per $1,000
*First Mortgage Rate - 10 year term*	3.750%	1	4.033%	$9.95
	4.00%	0	4.00%	$10.12
	4.625%**	0	4.625%	$10.42

*First Mortgage Rate - 15 year term*	3.875%	1	4.073%	$7.33
	4.125%	0	4.125%	$7.46
	4.75%**	0	4.75%	$7.78

*First Mortgage Rate - 30 year term*	4.50%	1	4.619%	$5.07
	4.750%	0	4.75%	$5.22
	5.625%**	0	5.625%	$5.76

*First Mortgage Rate - 40 year term*	4.875%	1	4.978%	$4.74
	5.125%	0	5.125%	$4.91
	6.00%**	0	6.00%	$5.50

Blended Rate & Adjustable Rate (ARM)*** Rate Points APR Payment
per
$1,000

Blended Rate - 3 Year ARM
3.625%

1

4.023%

$4.56

4.00%

0

4.028%

$4.77

4.625%*

0

4.177%

$5.14

Blended 30 Year Term 5/1 †
3.875%

1

3.414%

$4.70

     5 Year Fixed

4.25%

0

3.469%

$4.92

   25 Year ARM

4.875%**

0

3.702%

$5.29

Blended 30 Year Term 7/1 †
4.00%

1

3.578%

$4.77

     7 Year Fixed

4.375%

0

3.677%

$4.99

   23 Year ARM

5.00%**

0

3.989%

$5.37

EQUAL OPPORTUNITY LENDER
JUMBO LOAN AMOUNTS: Maximum loan amounts may range from 625,000 on single family homes up to $1,202,925 on 4 unit properties. Call for details. Add ¼% fee.

We also offer special First Time Home Buyer and 3% down morgage programs. Ask for details!

* Annual Percentage Rate
** No closing cost program, minimum loan amount of $100,000
*** Adjustable Rate Mortgage (ARM) with 2% periodic adjustment cap, 6% lifetime cap. Rate is subject to change after consummation.

Above rates are based on single family primary home purchase in New England with 20% down to a member with excellent credit. Loans are also available with as little as 5% down, and on vacation homes. Your rate and points may be different based on your credit score, subordinate financing, loan-to-value ratio, or other factors unique to your transaction. Call for details on all programs 1 800 338-0221. Rates subject to change without notice.

Payment example: Borrow $100,000 at 5.75% for 30 years and your payment per thousand would be $5.84. Multiply that factor by 100 (100,000/1,000) to estimate your monthly payment of $584.00.

Home Equity, Fixed Rates
(No closing costs; recording fees vary by county Registry of Deeds)
APR* Points
Cost
per
$1,000

Up to 60 Months
5.75%

0

$19.22

61 - 120 Months
6.125%

0

$11.16

121 - 180 Months

6.375%

0

$8.64

181 - 240 Months

6.875%

0

$7.68

Home Equity READY LINE Variable Rate
(Rate reflects prime rate less 1/2%, minimum 4.00%)
Rate Points APR*

10 Year Draw / 10 Year Repayment Period
No Closing Costs
4.00%

0

4.00%

Home Improvement, Fixed Rates
(No closing costs; recording fees vary by county Registry of Deeds fee) APR* Points Cost
per
$1,000

Up to 60 Months
5.75%

0

$19.22

61 - 120 Months
6.125%

0

$11.16

121 - 180 Months

6.375%

0

$8.64

181 - 240 Months

6.875%

0

$7.68

.

*APR = Annual Percentage Rate
The APRs and rates quoted reflect a 1.00% APR discount for direct deposit of net pay, Social Security or pension benefits coupled with automatic payment from your RTN FCU account, are accurate as of the date printed above, subject to change, and replace all previously quoted APRs. These offerings are for a limited time and may be withdrawn or changed at any time without notice.

†Adjustment Cap: Periodic, 2.00% - Lifetime, 6.00%

Fixed Rate Home Equity
Maximum amount $150,000.00, minimum amount $15,000.00.
Borrow up to 85% of your 1-4 family home's value, or 75% of your condominium's value (less your present mortgage) in MA, ME, NH & RI. Application fee is waived. Closing costs are waived.
Restrictions may apply, call for details.

Home Improvement
Maximum amount $150,000.00, minimum amount $5,000.00
Borrow up to 85% of your 1 - 4 family home's value, or 75% of your condominium's value (less your present mortgage). The application fee and closing costs are waived. Restrictions may apply. Call the Mortgage Department at 1-800-338-0221, ext. 9859, call for details and current APRs.

Savings, Clubs, Home Buyer Savings & IRA Accounts

Share Savings Accounts
APY**
Dividend
Rate
Minimum
Balance

Main Share ($25 minimum to open)
0.20%

0.20%

$25
$50 earn dividends

Checking, Basic^† 0.00%
0.00%
$0

Checking, Dividend 0.20% 0.20% $0

Holiday / Vacation Club- 0.50% 0.50% $0

Home Buyer Savings Account 0.20% 0.20% $0

IRA Savings 1.06% 1.05% $0

Money Market APY** Dividend
Rate Minimum
Balance

Balance of:

$75,000 and above
1.00% 1.00% $75,000

$50,000 to $74,999
0.75% 0.75% $50,000

$25,000 to $49,999
0.50% 0.50% $25,000

$2,500 to $24,999
0.30% 0.30% $2,500

Business Checking

Value Checking — No mimumim balance or monthly fee 0.00% 0.00%
$0

Premier Checking — Low $2,500 minimum balance to waive $9.95 monthly fee 0.00%
0.00%
$0

**APY = Annual Percentage Yield
^†The credit union does not provide a dividend on basic checking.

The annual percentage yields (APYs) are accurate as of the date printed above, subject to change, and replace all previously quoted APYs. The dividend rates and APYs for the above-mentioned share accounts may change every month as determined by the credit union board of directors. The APY is based on the assumption that funds remain on deposit. Fees could reduce the earnings on the share (savings) accounts. Contact Member Services at 1-800-338-0221 or info@rtn.org for current APYs.

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Savings & IRA Certificates
Coverdell Savings Accounts, IRA & Non-IRA Accounts

Term
Minimum Investment***
$1,000 - $49,999
Minimum Investment***
$50,000

APY**

Dividend
Rate

APY**

Dividend
Rate

60 Months 2.30% 2.28% 2.50% 2.47%

48 Months 2.30% 2.28% 2.50% 2.47%

36 Months 2.00% 1.98% 2.30% 2.28%

24 Months 1.50% 1.49% 1.90% 1.88%

12 Months 1.20% 1.19% 1.70% 1.69%

6 Months
0.75% 0.75% 1.00% 1.00%

3 Months
0.60% 0.60% 0.80% 0.80%

Click here to download your savings certificate application today!

** APY = Annual Percentage Yield.
***The APYs are accurate as of the date printed on the top of this page, subject to change at any time and replace all previously-quoted APYs. Contact Member Services at 1-800-338-0221 or info@rtn.org for current APYs. $500 minimum required for Coverdell Education Savings Share Certificate. $1,000 or $50,000 minimum balance required to open a non-IRA, traditional IRA or Roth IRA share certificates and earn the annual percentage yield (APY).

Penalty for early withdrawal of funds, which can reduce the earnings on the account.

For certificate holders, you will be paid this rate until maturity. The APY is based on the assumption that funds remain on deposit. A withdrawal will reduce earnings.

RTN Federal Credit Union is an Equal Opportunity Lender.