Rates and yields subject to change without notice. Deposits insured up to $100,000 by NCUA.
*IRA's insured up to $250,000

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rounded to the Nearest Hundreth.
*Bonus APR and corresponding APY available on Certificate Terms of 24 Months or longer.
Date of last rate change: August 1, 2008.

Prime Rate is 5.00%.  Rates and APR are subject to change without notice.  Loan Rates quoted are our lowest rates for qualified applicants and require automatic transfer of payment from a United Financial Services account (excludes VISA & Overdraft LOC).   Without automatic payment add 0.25%.  The actual interest rate offered will be based upon review of your credit report.   We are an equal housing lender.

¹ 2005-2007 model years up to 60 months; 2001-2004 model years up to 48 months.

² Up to 72 months for new RVs/Boats over $25,000

³ Fixed Rate APR for maximum LTV up to 80%, LTV up to 85% add 0.50%

⁴Home Equity Line of Credit:  Initial APR for maximum LTV up to 80% may range from 4.50% to 11.00%; our initial APR will be based on a review of your credit application.  For LTV up to 85% add 0.50%.  This is an adjustable interest rate loan; the APR may change monthly and any change will be based upon the Wall Street Journal Prime Rate on the first day of the month. Minimum APR is 4.00% and maximum APR is 18%.   Term:  5 year draw period; minimum advance $500 and a 15 year repayment period.  There are no closing costs or fees for NJ properties.

Date of last rate change: August 1, 2008