Effective August 2, 2010
| Loan Type | Annual Percentage Rate | Annual Fee |
| Home Equity Line of Credit | Variable at WSJ Prime +.50 Floor Rate of 4.50% |
$0 |
| Loan Type | Term | Preauthorized Payment APR | Coupon APR | Monthly Payment example per $1,000 borrowed* |
| Home Equity Loan Rates | ||||
| Home Equity Special | Up to 36 Months | 4.99%** | 6.49% | $29.97 |
| Home Equity Special | Up to 60 Months | 5.79%*** | 6.74% | $19.24 |
| Home Equity Special | Up to 84 Months | 6.29%**** | 7.24% | $14.75 |
| Home Equity | Up to 36 Months | 5.99% | 6.49% | $30.42 |
| Home Equity | Up to 60 Months | 6.24% | 6.74% | $19.44 |
| Home Equity | Up to 84 Months | 6.74% | 7.24% | $14.97 |
| Home Equity | Up to 120 Months | 6.89% | 7.39% | $11.55 |
| Home Equity | Up to 180 Months | 6.99% | 7.49% | $8.98 |
| Home Equity | Up to 240 Months | 7.29% | 7.79% | $7.75 |
| Auto Loan Rates | ||||
| New Auto (2009-2010) Never Titled |
Up to 48 Months | 7.25% | 7.75% | $24.06 |
| New Auto (2009-2010) Never Titled |
Up to 60 Months | 7.50% | 8.00% | $20.04 |
| Used Auto (2008-2010) |
Up to 48 Months | 8.25% | 8.75% | $24.53 |
| Used Auto (2006-2007) |
Up to 48 Months | 9.00% | 9.50% | $24.89 |
| Personal Loan Rates | ||||
| Personal Loan (unsecured) | Up to 36 Months | 14.00% | 14.50% | $34.18 |
*Repayment example calculated using the maximum term for the lowest corresponding APR. Rates are subject to change without notice.
**Minimum $10,000 loan and maximum 80% loan to value (LTV). Minimum credit score of 675. Maximum term 36 months. 4.99% Annual Percentage Rate (APR) requires automatic payment from a UNCB deposit account. Payment example: 36 monthly payments of $29.97 per $1000 borrowed. Other rates and terms available. $250 processing fee waived. Homeowner’s and Flood Insurance (if applicable) required. Subject to credit approval. Published rates subject to change.
***Minimum $10,000 loan and maximum 80% loan to value (LTV). Minimum credit score of 675. Maximum term 60 months. 5.79% Annual Percentage Rate (APR) requires automatic payment from a UNCB deposit account. Payment example: 60 monthly payments of $19.24 per $1000 borrowed. Other rates and terms available. $250 processing fee waived. Homeowner’s and Flood Insurance (if applicable) required. Subject to credit approval. Published rates subject to change.
****Minimum $10,000 loan and maximum 80% loan to value (LTV). Minimum credit score of 675. Maximum term 84 months. 6.29% Annual Percentage Rate (APR) requires automatic payment from a UNCB deposit account. Payment example: 84 monthly payments of $14.75 per $1000 borrowed. Other rates and terms available. $250 processing fee waived. Homeowner’s and Flood Insurance (if applicable) required. Subject to credit approval. Published rates subject to change.
*****Variable Rate Loan based on Wall Street Journal Prime. Currently 3.49% Annual Percentage Rate (APR) for first six billing cycles from when credit line is opened. $8,000.00 minimum line and maximum 80% loan to value (LTV). $175 processing fee waived. Homeowner’s and flood insurance (if applicable) required. Subject to credit approval. Risk based pricing schedule after promotion six month period: Minimum 4.50% APR. Maximum: 18% APR. Today’s actual rate would equal 4.50% APR. Rate determined based on credit score and other factors. Offer expires 6/30/10.
