RTN Federal Credit Union

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 These offerings are for a limited time and may be withdrawn or changed at any time without notice. $50 vendor single interest (VSI) premium charge will be added to loan amount. Check out our new vehicle and personal loan sale highlighted in green! Apply now!
New Car, Light Truck, Van or SUV	36	2.25%	$28.75
2011 - 2012 model years.	48	2.25%	$21.80
Maximum loan: $100,000. Maximum mileage 4,000.	60	2.25%	$17.64
	72	3.50%	$15.42
	84	5.25%	$14.25

*Used Car, Light Truck, Van or SUV*	36	2.25%	$28.75
2009 - 2012 model years	48	2.25%	$21.80
Maximum loan: $100,000	60	2.25%	$17.64
	72	4.00%	$15.65
	84	5.75%	$14.49

*Used Car, Light Truck, Van or SUV*	36	3.25%	$29.19
2006 - 2008 model years	48	3.50%	$22.36
Maximum loan: $100,000	60	3.875%	$18.36
(72 & 84 mo. up to 90% financing only)	72	4.50%	$15.87
	84	5.00%	$14.13

*Used Car, Light Truck, Van or SUV*	36	7.25%	$30.99
2005 and older model years	48	7.50%	$24.18
Maximum loan $20,000 (up to 90% financing only)	60	7.875%	$20.22

*New Motorcycle*	48	4.50%	$22.80
Maximum loan: $50,000	60	4.50%	$18.64
	72	5.75%	$16.46
	84	6.25%	$14.73

*Used Motorcycle*	48	5.25%	$23.14
Maximum loan: $50,000	60	5.625%	$19.16
	72	6.125%	$16.63
	84	6.375%	$14.79

*New & Used Boat / RV*	48	6.375%	$23.00
Maximum loan: $60,000 Boat; $60,000 RV	72	7.25%	$17.17

*Personal (Signature)*	12	8.99%	$87.45
	24	9.99%	$46.14
	36	9.99%	$32.26
	48	9.99%	$25.36
	60	10.99%	$21.74
***Minimum loan amount: $7,500; Maximum loan $20,000 on our 72 and 84 month loans.	72***	11.25%	$19.16
	84***	11.50%	$17.39

*Vacation / Holiday* Maximum loan: $2,500	24	7.75%	$45.11

Main Share Secured and Overdraft Protection	Term	APR**	Payment Per Thousand
** APR = Annual Percentage Rate.
*Main Share Secured* (variable rate)†† Maximum loan: $500,000	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.

VISA Credit Cards	APR** Starting at:
** APR = Annual Percentage Rate. The APRs you will receive will be based on your credit history.
*VISA Platinum* Maximum line: $25,000
Purchases	9.99%
Cash Advances††††	8.24%

*VISA Gold* Maximum line: $25,000
Purchases	10.99%
Cash Advances††††	8.24%

*VISA Classic* Maximum line: $10,000
Purchases	11.99%
Cash Advances††††	8.24%

†††† 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.

Home Equity & Home Improvement — Available in MA, ME, NH & RI
Mortgages for purchase or refinance. Apply now.
Need insurance? Get your FREE Home Insurance Quote now.

Mortgage Rate Type	Rate	Points	APR*	Payment per $1,000
*First Mortgage Rate - 10 year term*	2.75%	1	3.01%	$9.54
	2.99%	0	2.99%	$9.65
	3.50%**	0	3.50%	$9.89

*First Mortgage Rate - 15 year term*	2.99%	1	3.172%	$6.90
	3.25%	0	3.25%	$7.03
	3.75%**	0	3.75%	$7.27

*First Mortgage Rate - 30 year term*	3.75%	1	3.859%	$4.63
	4.00%	0	4.00%	$4.77
	4.50%**	0	4.50%	$5.07

*First Mortgage Rate - 40 year term*	4.125%	1	4.218%	$4.26
	4.375%	0	4.375%	$4.42
	4.875%**	0	4.875%	$4.74

Blended Rate & Adjustable Rate (ARM)***	Rate	Points	APR	Payment per $1,000
*Blended Rate - 3 Year ARM*	2.625%	1	3.113%	$4.02
	2.875%	0	3.090%	$4.15
	3.375%*	0	3.203%	$4.42

*Blended 30 Year Term 5/1* †	3.125%	1	3.061%	$4.28
5 Year Fixed	3.375%	0	3.070%	$4.42
25 Year ARM	3.875%**	0	3.250%	$4.35

*Blended 30 Year Term 7/1* †	3.25%	1	3.149%	$4.35
7 Year Fixed	3.625%	0	3.246%	$4.56
23 Year ARM	4.125%**	0	3.487%	$4.85

We do business in accordance with the S.A.F.E. Act and are registered with the NMLS (Nationwide Mortgage Licensing System & Registry). Learn more about NMLS and verify our registration.

EQUAL OPPORTUNITY LENDER
JUMBO LOAN AMOUNTS: Maximum loan amounts may range from $417,000 on single family homes up to $801,950 on 4 unit properties. Call for details. Add ¼% fee.

We also offer special First Time Home Buyer and 5% 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, ext. 9859. Rates subject to change without notice.

Payment example: Borrow $100,000 at 4.00% for 30 years and your payment per thousand would be $4.77. Multiply that factor by 100 (100,000/1,000) to estimate your monthly payment of $477.00.

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	3.50%	0	$18.19
61 - 120 Months	4.99%	0	$10.60
121 - 180 Months	4.99%	0	$7.90
181 - 240 Months	6.375%	0	$7.38

*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.

Ready Line Variable Equity Line (HELOC)
Maximum amount $150,000.00, minimum amount $20,000.00. Borrow up to 75% of your 1-4 family home's value or your condominium's value (less your present mortgage) in MA, ME, NH & RI. However, if the member has his/her first mortgage with RTN Federal Credit Union, then the maximum loan-to-value is increased to 80% (not including condos, which remain at 75%). Application fee is waived. Closing costs are waived. Restrictions may apply, call for details.

Fixed Rate Home Equity
Maximum amount $150,000.00, minimum amount $15,000.00.
Borrow up to 75% of your 1-4 family home's value or your condominium's value (less your present mortgage) in MA, ME, NH & RI. However, if the member has his/her first mortgage with RTN Federal Credit Union, then the maximum loan-to-value is increased to 80% (not including condos, which remain at 75%). 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 75% of your 1 - 4 family home's value or your condominium's value (less your present mortgage). However, if the member has his/her first mortgage with RTN Federal Credit Union, then the maximum loan-to-value is increased to 80% (not including condos, which remain at 75%). 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.

*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	0.50%	0.50%	$0

*Money Market*	APY**	Dividend Rate	Minimum Balance
Balance of:
$75,000 and above	0.70%	0.70%	$75,000
$50,000 to $74,999	0.50%	0.50%	$50,000
$25,000 to $49,999	0.35%	0.35%	$25,000
$2,500 to $24,999	0.25%	0.25%	$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.

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Term	Minimum Investment*** $1,000 - $49,999		Minimum Investment*** $50,000
	APY**	Dividend Rate	APY**	Dividend Rate
60 Months	1.90%	1.88%	2.00%	1.98%
48 Months	1.75%	1.74%	1.85%	1.83%
36 Months	1.50%	1.49%	1.65%	1.64%
24 Months	1.15%	1.14%	1.25%	1.24%
12 Months	0.80%	0.80%	0.95%	0.95%
6 Months	0.55%	0.55%	0.60%	0.60%
3 Months	0.35%	0.35%	0.40%	0.40%

** 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 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.