Savings Account Share Draft Account (Checking) Club Account Money Market Account Share Certificate I.R.A. s Low Interest Loans

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1 Savings Account Share Draft Account (Checking) Club Account Money Market Account Share Certificate I.R.A. s Low Interest Loans PLUS: ATM/Debit Card Credit Card Overdraft Protection Notary Service Online Banking Online Bill Pay Phone Banking Money Orders

2 SHARE SAVINGS ACCOUNTS This is your first step with NFG #2 Federal Credit Union. When you join the Credit Union, this account acts as your share of NFG #2 Federal Credit Union. Each member is an owner of the Credit Union and this account represents your portion. In addition to being an excellent plan for savings, the Share Savings Account serves as the hub for all other services with the Credit Union. ACCOUNT KICKOFF: Open this account by filling out a membership application, providing a photo ID, and depositing $25. Earn dividends on this account by keeping a minimum balance of $25. Transfer funds from Share Savings Account to other accounts such as Share Draft Accounts (checking), Club Accounts, IRA s, and more. Use it for overdraft protection for your checking account Obtain a Share Secured Loan Sign-up for direct deposit and watch your savings grow!

3 SHARE DRAFT ACCOUNTS What other financial institutions call a checking account, Credit Unions call a Share Draft Account. These accounts work just like a checking account in that you still write paper drafts that authorize the deduction of funds from your account, and you receive a monthly statement for verification of balances. You can access your share draft account via Debit Card or ATM Card, make transfers between your share draft and other sub accounts using our Voice Response Unit (VRU), logging into our website ( or by calling us during business hours. ACCOUNT KICKOFF: First, you must have an existing open Share Savings Account. Then fill out an application, and provide a photo ID. No minimum balance requirements Unlimited check writing ATM/Debit card access to your funds Low-fee overdraft protection Direct deposit Electronic transfers for bill payment

4 CLUB ACCOUNTS Our various club accounts are a great way to plan for special occasions. Save for the holidays, that dream vacation, or use a club account to save for taxes, or that college tuition payment. ACCOUNT KICKOFF: You must have an existing open Share Savings Account and provide a photo ID. KEYSTONE REWARDS ELIGIBILITY Pennsylvania residents attending any U.S. Department of Education (USDE) approved school anywhere. Out-of-state residents attending any Pennsylvania USDE approved school. No family income limits Standard Stafford eligibility STANDARD STAFFORD ELIGIBILITY Be a U.S. citizen or eligible non-citizen. Be accepted for enrollment in a participating school; or if already enrolled, be making satisfactory progress. Be classified as at least a part-time student and working toward a degree or certificate. Not be in default on an education loan or owe any education grant refu KIDS CLUB ACCOUNT: This account works very similar to the Vacation Club Account. You can make deposits and withdraws in the same manner. The difference is your child could receive gifts such as a stuffed Santa for Christmas, toys for Easter, or a back-to-school bag full of supplies. The NFG #2 Kids Club Account can also raise their awareness about managing money and help them learn how to achieve financial stability.

5 MONEY MARKET ACCOUNTS For our members who maintain a higher balance in their accounts, we offer the NFG #2 Money Market Account. Your minimum daily balance to receive dividends is $1500. Members receive a higher dividend earned rate on Money Market Accounts than on our regular Share Accounts. ACCOUNT KICKOFF: You must have an existing open Share Savings Account and provide a photo ID. The higher your balance, the more dividends you earn Easy, immediate access Unlimited transfers between Money Market and other Credit Union accounts Direct deposit Electronic transfers

6 SHARE CERTIFICATES NFG #2 Share Certificates are what you need if you re looking to receive a high rate of return. These have absolutely NO RISK and are GOVERNMENT INSURED. Available terms are six months to five years. ACCOUNT KICKOFF: You must have an existing open Share Savings Account and provide a photo ID. A minimum deposit of only $500 will get you started on earning money with an NFG #2 Shared Certificate. NCUA insured up to $250,000 High dividend rate on return Regular Share Certificates - Dividends paid quarterly Income Share Certificates - Dividends paid monthly - Posted into your Share Account NFG #2 wants to help you earn as much green as possible. Interest rates can rise and fall. The higher the interest rate the more green you make! NFG #2 offers you the unique ability to increase your rate after you have already obtained your certificate. Let s say that you purchase a five year term share certificate. After two years, you notice the interest rate on an three year certificate is higher then the interest rate you are receiving. You can request the higher interest three year certificate rate.

7 IRAs An NFG #2 FCU IRA Account is the next best thing to having a money tree in your backyard. With a little patience, and steady contributions, you will see your IRA grow into an account that will help provide safety and security for you and your family for years to come. ACCOUNT KICKOFF: You must have an existing open Share Savings Account and provide a photo ID. Restrictions do apply so call the Credit Union for more details. Traditional IRA - Offers a savings option of tax-deferred interest + Your contributions are pre-taxed which will allow the interest that is earned to thrive tax free! This is a powerful tool in creating a reinforced retirement plan - Can be used as a additional cushion for your retirement - Can be withdrawn after you are 59 1/2 this will be treated as taxable income Roth IRA - Offers a savings option of after-tax earnings + Your yearly contribution is limited + Can be withdrawn after you are 59 1/2 TAX FREE

8 LOANS Vehicle Loan Home Equity Loan Signature Loan Share Secured Loan Certificate Secured Loan Credit Card Loan

9 VEHICLE LOANS NFG #2 FCU specializes in new and used vehicle loans. We make our loans fit your needs our member. When you re shopping for a new vehicle get your loan from NFG #2. We look at more then your credit score. LOAN KICKOFF: First, you must have an existing open Share Savings Account. Once you have taken this step you are officially a member with NFG #2 Federal Credit Union. Come in and talk to a Loan Officer about getting your low interest rate loan! New vehicle terms up to 84 months on current model and one year older Used vehicle terms up to 66 months Exceptionally low interest rate 100% financing available (warranty, tax, and title fees) Available payment arrangements: - Weekly - Bi-weekly - Monthly NFG #2 wants to help you get the best price when you buy a vehicle. At NFG #2 we work for our members that s it, we do not answer to anyone except you! While you are shopping for your new vehicle you may hear things like, 0% APR. It may sound good, but that is not always the best option for you. A rebate may be a better fit for you. This will reduce the amount you need to borrow. Visit and use our Rebate vs. 0% APR Loan Calculator and calculate your best deal!

10 HOME EQUITY LOANS NFG #2 FCU offers a wide variety of Home Equity and Second Mortgage Loans. Invest in your home by increasing it s value and functionality with an NFG #2 Home Equity/Second Mortgage Loan. LOAN KICKOFF: First, you must have an existing open Share Savings Account. Once you have taken this step you are officially a member with NFG #2 FCU. Come in and talk to a Loan Officer about getting your low interest rate Home Equity/Second Mortgage Loan! Fixed rate Second Mortgage Repayment terms up to 12 years Exceptionally low interest rate Variable rate Home Equity Loan based on the equity in your property Available payment arrangements: - Weekly - Bi-weekly - Monthly

11 SIGNATURE LOANS NFG #2 FCU serves their members personal interests in a number of ways. One of them is by granting signature loans to our loyal field of membership. We do not require any type of collateral for our Signature Loans, just your signature. LOAN KICKOFF: First, you must have an existing open Share Savings Account. Once you have taken this step you are officially a member with NFG #2 FCU. Come in and talk to a Loan Officer about getting your low interest rate Signature Loan! Borrow $5,000 or more 48 month maximum term Available payment arrangements: - Weekly - Bi-weekly - Monthly

12 SHARE SECURED LOANS NFG #2 FCU serves their members personal interests in a number of ways. One of them is by granting a Share Secured Loan to our loyal field of membership. This loan can be obtained by borrowing up to 100% of your current NFG #2 account balance. Your current account acts as collateral and isn t available for withdraw until you begin paying down the Share Secured Loan. LOAN KICKOFF: First, you must have an existing open Share Savings Account. Once you have taken this step you are officially a member with NFG #2 FCU. Come in and talk to a Loan Officer about getting your Share Secured Loan! Financing terms up to 36 months for $10,000 or less Financing terms up to 60 months for over $10,000. Interest rate is calculated as our current share dividend rate, plus 2% Available payment arrangements: - Weekly - Bi-weekly - Monthly

13 CERTIFICATE SECURED LOAN NFG #2 FCU serves their members personal interests in a number of ways. One of them is by granting a Certificate Secured Loan to our loyal field of membership. This loan can be obtained by borrowing up to 100% of your current NFG #2 Shared Certificate. Your Certificate acts as collateral and isn t available until certificate maturity. LOAN KICKOFF: First, you must have an existing open Share Savings Account. Once you have taken this step you are officially a member with NFG #2 FCU. You also must have already taken out a Shared Certificate. Come in and talk to a Loan Officer about getting your Certificate Secured Loan! Financing term is for the remaining term of your Share Certificate The APR is the interest rate of your Share Certificate, plus 1.0% Maximum loan amount is the same as the total amount in your Share Certificate pledged. Continue earning interest on your Share Certificate during the loan term Available payment arrangements: - Weekly - Bi-weekly - Monthly

14 CREDIT CARD LOAN NFG #2 FCU serves their members personal interests in a number of ways. One of them is by granting a Credit Card Loan to our loyal field of membership. LOAN KICKOFF: First, you must have an existing open Share Savings Account. Once you have taken this step you are officially a member with NFG #2 FCU. You also must have already taken out a NFG #2 VISA Credit Card. Come in and talk to a Loan Officer about getting your Credit Card Loan! NO annual fee NO fee for cash advances NO balance transfer fees Instant cash at ATM s A low, fixed rate

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