Visions - Rates and Fees

Savings, Money Market & Checking Rates
Account Type	Balance	Interest Rate	Annual Percentage Yield (APY)	Comments	.
Regular Savings					Open An Account
Regular Savings					Open An Account
IRA - Liquid					-
IRA - Liquid					-
Money Market					Open An Account
Money Market					Open An Account
Investor Money Market					Open An Account


Business Essential Checking					Open An Account
Wealth Manager Account^†					Call to open an account
Wealth Manager Account^†



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Share Certificate & IRA Rates
	Regular $500 - $99,000			Super $100,000+
Account Type	Minimum:	Interest Rate	Annual Percentage Yield (APY)	Interest Rate	Annual Percentage Yield (APY)
90 day Share Certificate
6 month Share Certificate
1 year Share Certificate
18 month Share Certificate
2 year Share Certificate
30 month Share Certificate
3 year Share Certificate
42 month Share Certificate
4 year Share Certificate
5 year Share Certificate

1 year IRA Share Certificate
2 year IRA Share Certificate
3 year IRA Share Certificate
4 year IRA Share Certificate
5 year IRA Share Certificate
1 year Roth IRA
2 year Roth IRA
3 year Roth IRA
4 year Roth IRA
5 year Roth IRA
Open a Share Certificate Account

Consumer and Auto Loan Rates
Loan Type	Loan Amount	Term	Auto Pay APR	APR
New Car & Truck Loan^†	up to $100,000		*
New Car & Truck Loan^†	$10,000 to $100,000		**
Used Car & Truck Loan^†	up to $100,000		***
Used Car & Truck Loan^†	up to $100,000		*
Boat, Motorcycle or Snowmobile	100% NADA BOOK		^‡
Personal Loans			^‡
VISA
Savings Secured Loan
Share Certificate Secured Loan
Overdraft Loan


Apply for a Consumer Loan	Apply for an Auto Loan

^† These rates may not apply to every borrower. A higher rate may be charged depending on individual credit

Actual Annual Percentage Rate (APR) may vary (higher rate(s) may be charged) according to overall credit history, payment method and payment processing fees. Other rates and terms are available. Visions Federal Credit Union is an equal opportunity, equal housing lender. All rates and terms are subject to change without notice. Credit union membership is required. Rates apply to new loans and refinances from another financial institution.

*APR = Annual Percentage Rate. Term of up to 60 months. APR reflects a discount of 1.00% for automatic payment from a Visions account. May require a down payment depending on the qualifications of the borrower and/or the make, model or year of vehicle.

**APR = Annual Percentage Rate. Qualified terms of up to 72 months for new vehicles only. APR reflects a discount of 1.00% for automatic payment from a Visions account. May require a down payment depending on the qualifications of the borrower and/or the make, model or year of vehicle.Other Auto Loan rates and terms available, depending on the age of the vehicle.

***APR = Annual Percentage Rate. Term of up to 48 months. APR reflects a discount of 1.00% for automatic payment from a Visions account. May require a down payment depending on the qualifications of the borrower and/or the make, model or year of vehicle.

^‡Rates reflect a discount for automatic payment from a Visions account. Rate is determined based on our underwriting guidelines. A higher rate may be charged depending on individual credit qualifications. Cannot be combined with any other Visions offer. Special conditions may apply.

New Auto Loan Example (with automatic payment discount): $20,000 for 60 months at a rate of APR is a monthly payment of $357.10.

New Auto Loan Example (without automatic payment discount): $20,000 for 60 months at a rate of APR is a monthly payment of $366.03.

Repayment terms as follows:

Term	APR	Monthly Payment per $1,000 Borrowed
60 months	+	$17.86
		$18.31

+Rate includes a 1.00% reduction for automatic payment from your Visions account.

New Auto Loan Example (with automatic payment discount): $20,000 for 72 months at a rate of 3.99% APR is a monthly payment of $312.86.

New Auto Loan Example (without automatic payment discount): $20,000 for 72 months at a rate of 4.99% APR is a monthly payment of $322.07.

Repayment terms as follows:

Term	APR	Monthly Payment per $1,000 Borrowed
72 months	3.99%++	$15.65
	4.99%	$16.11

++Rate includes a 1.00% reduction for automatic payment from your Visions account.

Used Auto Loan Example (with automatic payment discount): $20,000 for 48 months at a rate of APR is a monthly payment of $440.42.

Used Auto Loan Example (without automatic payment discount): $20,000 for 48 months at a rate of APR is a monthly payment of $449.30.

Used Auto Loan Example (with automatic payment discount): $20,000 for 60 months at a rate of APR is a monthly payment of $361.10.

Used Auto Loan Example (without automatic payment discount): $20,000 for 60 months at a rate of APR is a monthly payment of $379.09.

Repayment terms as follows:

Term	APR	Monthly Payment per $1,000 Borrowed
48 months	++	$22.03
48 months		$22.47
60 months		$18.06
60 months		$18.51

++Rate includes a 1.00% reduction for automatic payment from your Visions account.

Boat, Motorcycle or Snowmobile Loan Example (with automatic payment discount): $ 20,000 for 36 months at a rate of APR is a monthly payment of $616.72.

Boat, Motorcycle or Snowmobile Loan Example (without automatic payment): $20,000 for 36 months at a rate of APR is a monthly payment of $625.91.

Repayment terms as follows:

Term	APR	Monthly Payment per $1,000 Borrowed
36 months	++	$30.84
		$31.80

++Rate includes a 1.00% reduction for automatic payment from your Visions account.

Personal Loan Example (with automatic payment discount): $10,000 for 60 months at a rate of APR is a monthly payment of $202.79.

Personal Loan Example (without automatic payment): $10,000 for 60 months at a rate of APR is a monthly payment of $207.62.

Repayment terms as follows:

Term	APR	Monthly Payment per $1,000 Borrowed
60 months	***	$20.28
		$20.77

***Rates reflect a discount for automatic payment from a Visions account. Rate is determined based on our underwriting guidelines. A higher rate may be charged depending on individual credit qualifications. Cannot be combined with any other Visions offer. Special conditions may apply.

First Mortgages
Terms	Rate*	Points	Annual Percentage Rate	Maximum Loan Amount
30 year		3.0
30 year		0.0

20 year		3.0
20 year		0.0

15 year		3.0
15 year		0.0

3/1 ARM		1.0
3/1 ARM		0.0

5/1 ARM		1.0
5/1 ARM		0.0

7/1 ARM		1.0
7/1 ARM		0.0

10/1 ARM		1.0
10/1 ARM		0.0

Apply for a Mortgage

Actual Annual Percentage Rate (APR) may vary (higher rate(s) may be charged) according to overall credit history, payment method and payment processing fees. Residence must be owner occupied dwelling and must be located in the counties in the State of New Jersey: Bergen, Passaic, Essex, Hudson and Union; The State of New York: Rockland. Equity loans not to exceed 80% of property value less outstanding first mortgage (if any). There is a $500 application fee. Home owners insurance is required. Flood insurance may be required. Monthly payment is example only and will vary based on loan amount. Consult your tax advisor regarding interest deductions. Other rates and terms are available. Visions Federal Credit Union is an equal opportunity, equal housing lender. All rates and terms are subject to change without notice. Credit union membership is required.

* Requires a minimum of 10% down payment. Mortgages are available for 1 – 4 family owner-occupied dwellings. $500 application fee. Loan to Value above 80% requires PMI (Private Mortgage Insurance). Vacation/Second home purchase (owner occupied) – 20% down payment required. Monthly payments are based on LTV. Contact the Real Estate Department for information on Mortgages greater than $417,000. We offer other terms, amounts and point options. Rate is determined based on our underwriting guidelines.

30 year Fixed Rate with 3.0 points Mortgage Loan Payment Example: Principal and Interest Only. A loan of $150,000 for 30 years at a rate of 4.000% is a monthly payment of $716.13. Example does not include escrow for taxes and insurance.

30 year Fixed Rate with 0 points Mortgage Loan Payment Example: Principal and Interest Only. A loan of $150,000 for 30 years at a rate of 4.375% is a monthly payment of $748.93. Example does not include escrow for taxes and insurance.

20 year Fixed Rate with 3.0 points Mortgage Loan Payment Example: Principal and Interest Only. A loan of $150,000 for 20 years at a rate of 3.750% is a monthly payment of $889.34. Example does not include escrow for taxes and insurance.

20 year Fixed Rate with 0 points Mortgage Loan Payment Example: Principal and Interest Only. A loan of $150,000 for 20 years at a rate of 4.125% is a monthly payment of $918.89. Example does not include escrow for taxes and insurance.

15 year Fixed Rate with 3.0 points Mortgage Loan Payment Example: Principal and Interest Only. A loan of $150,000 for 15 years at a rate of 3.125% is a monthly payment of $1,044.92. Example does not include escrow for taxes and insurance.

15 year Fixed Rate with 0 points Mortgage Loan Payment Example: Principal and Interest Only. A loan of $150,000 for 15 years at a rate of 3.500% is a monthly payment of $1,072.33. Example does not include escrow for taxes and insurance.

Fixed Rate Home Equity Loans

Amount

Terms

Auto Pay APR

APR

Comments

5 years

Loans available for 1 - to 2 family owner-occupied properties.

Contact the Real Estate Department for details

7 years

10 years

15 years

Apply for a Home Equity Loan

Actual Annual Percentage Rate (APR) may vary (higher rate(s) may be charged) according to overall credit history, payment method and payment processing fees. Residence must be owner occupied dwelling and must be located in the counties in the State of New Jersey: Bergen, Passaic, Essex, Hudson and Union; The State of New York: Rockland. Equity loans not to exceed 80% of property value less outstanding first mortgage (if any). Members may be required to pay closing costs to third parties that can range from $100 to $1500. These costs can vary by state (excluding mortgage tax). Home owners insurance is required. Flood insurance may be required. On a $100,000 loan, payment would be $1829.94 at 3.74%APR for 60 months. Monthly payment is example only and will vary based on loan amount. Consult your tax advisor regarding interest deductions. Other rates and terms are available. Visions Federal Credit Union is an equal opportunity, equal housing lender.

*APR = Annual Percentage Rate. APR applies to a term of 5 years with a minimum balance of $10,000. APR reflects a discount of 1.00% for automatic payment from a Visions account. Members may be required to pay closing costs to third parties that can range from $100 to $1500. These costs can vary by state (excluding mortgage tax). Home owners insurance is required. Flood insurance may be required. Consult your tax advisor regarding interest deductions.

**APR = Annual Percentage Rate. APR applies to a term of 7 years with a minimum balance of $10,000. APR reflects a discount of 1.00% for automatic payment from a Visions account. Members may be required to pay closing costs to third parties that can range from $100 to $1500. These costs can vary by state (excluding mortgage tax). Home owners insurance is required. Flood insurance may be required. Consult your tax advisor regarding interest deductions.

Fixed Rate Home Equity Loan Payment Example (with automatic payment discount): $50,000 for 5 years at a rate of 3.74% APR is a monthly payment of $914.98.

Fixed Rate Home Equity Loan Payment Example (without automatic payment discount): $50,000 for 5 years at a rate of 4.74% APR is a monthly payment of $937.62.

Fixed Rate Home Equity Loan Payment Example (with automatic payment discount): $50,000 for 7 years at a rate of 4.25% APR is a monthly payment of $689.21.

Fixed Rate Home Equity Loan Payment Example (without automatic payment discount): $50,000 for 7 years at a rate of 5.25% APR is a monthly payment of $712.59.

Repayment terms as follows:

Term	APR	Monthly Payment per $1,000 Borrowed
5 years	3.740%*	$18.30
	4.740%	$18.76

7 years	4.250%*	$13.79
	5.250%	$14.26

10 years	4.500%*	$10.37
	5.500%	$10.86

15 years	4.500%*	$7.66
	5.500%	$8.18

*Rate includes a 1.00% reduction for automatic payment from your Visions account.

Home Equity Line of Credit

Amount

Terms

APR

Auto Pay APR^^

Comments

20 year Line

Apply for a Home Equity Line of Credit

Actual Annual Percentage Rate (APR) may vary (higher rate(s) may be charged) according to overall credit history, payment method and payment processing fees. Other rates and terms are available. Rate(s) apply to new accounts only. Visions Federal Credit Union is an equal opportunity, equal housing lender. Residence must be owner occupied dwelling and must be located in the counties in the State of New Jersey: Bergen, Passaic, Essex, Hudson and Union; The State of New York: Rockland. Property insurance is required. All rates and terms are subject to change without notice. Credit union membership is required. Minimum $10,000 loan advance at funding date required.

^^APR = Annual Percentage Rate. APR is a 6 month Introductory Promotional Rate and reflects a discount of 1.00% for automatic payment from a Visions account. $10,000 minimum balance requirement with a 10 year draw period and 20 year repayment term. During the 6 month period beginning on the closing date, the introductory rate and APR will be fixed at 3.25% (4.25% without automatic payment from a Visions account) regardless of the outstanding balance. Thereafter the interest rate and APR is variable as follows: The APR is variable and can be adjusted according to the Prime Rate as published in the Wall Street Journal, currently 3.25% as of 1/30/12, adjusted quarterly. In no event will the interest rate ever exceed 14.99% (“the ceiling”) or be less than 4.75% (“the floor”). The line has a variable rate feature and the APR and the minimum monthly payment can change as a result. Required minimum monthly payment of $50 (or your balance if less than $50) applies. Members may be required to pay closing costs to third parties that can range from $100 to $1500. These costs can vary by state (excluding mortgage tax). Home owners insurance is required. Flood insurance may be required. On a $100,000 loan, payment would be $1829.94 at 3.74%APR for 60 months. Monthly payment is example only and will vary based on loan amount. Consult your tax advisor regarding interest deductions. This rate applies to new accounts only.

Home Equity Line of Credit Loan Payment Example (6-Month Introductory Rate with automatic payment discount): If you have an outstanding balance of $10,000, the minimum monthly payment at an APR of 3.25% would be $56.72. Other terms and conditions apply based on the type of loan you establish.

Home Equity Line of Credit Loan Payment Example (6-Month Introductory Rate without automatic payment discount): If you have an outstanding balance of $10,000, the minimum monthly payment at an APR of 4.25% would be $61.93. Other terms and conditions apply based on the type of loan you establish.

Home Equity Line of Credit Loan Payment Example (“Floor Limit” Rate with automatic payment discount): If you have an outstanding balance of $10,000, the minimum monthly payment at an APR of 4.75% would be $64.63. Other terms and conditions apply based on the type of loan you establish.

Home Equity Line of Credit Loan Payment Example (“Floor Limit” Rate without automatic payment discount): If you have an outstanding balance of $10,000, the minimum monthly payment at an APR of 5.75% would be $70.21. Other terms and conditions apply based on the type of loan you establish.