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Rates current as of September 1, 2010

New Vehicle Loans

APR*	Term
4.99%	Up to 24 months
4.99%	Up to 36 months
5.74%	Up to 48 months
6.24%	Up to 60 months
6.74%	Up to 72 months
7.24%	Up to 84** months

Used Vehicle Loans

APR*	Term	Description
4.99%	Up to 24 months	2002 & Newer
4.99%	Up to 36 months	2002 & Newer
5.99%	Up to 48 months	2003 & Newer
6.49%	Up to 60 months	2005 & Newer
6.99%	Up to 72 months	2007 & Newer
7.49%	Up to 84** months	2008 & Newer

**Credit score of 680+ only as well as 2008 & Newer

New & Used Vehicles - $450.00 GAP Coverage
Vehicles with a year older then 2002 will be considered a signature loan at
signature loan rates.

Back to School Loan

APR*	Term	Borrow Amount
7.99%	up to 24 months	up to $5,000

Checking Line of Credit
Bounce proof your check book with our Checking Line of Credit. Borrow up to $7,000.

APR*	Term
12.50%	up to 48 months

Signature Loans
Borrow up to $10,000

APR*	Term
9.95%	up to 48 months

Share Secured Loans

APR*	Term
3.00%	up to 48 months

1st Mortgages
We are affiliated with Huntington Mortgage. Call 732-727-3500 ext. 220 for information.

Home Equity Open Line of Credit
$250,000 Max
Up to 80% Equity

APR†**	Term	Description
4.99%	5 years	Fixed Rate
4.99%	10 years	Variable Rate
4.99%	15 years	Variable Rate

2nd Mortgages
$250,000 Max
Up to 80% Equity

APR†**	Term	Description
5.49%	5 years	Fixed Rate
5.99%	10 years	Fixed Rate
6.49%	15 years	Fixed Rate

†APR=Annual Percentage Rates. Rates available to RBFCU Members only and are accurate as of March 19, 2010. The rates that we offer may change at anytime without notification and is tied to prime. Rates quoted are lowest for qualified applicants. Application is only good for 30 days from date of submission. Loans are only offered for New Jersey primary residence properties only. The actual interest rate offered is based on our review of your credit history. Maximum borrow amount is $250,000 or up to 80% equity in your home, which ever is less. There is no application fee or charges. The Credit Union requires that you must carry insurance on the property that secures this plan and you must name Raritan Bay Federal Credit Union as loss payee.* *Currently a floor rate of 4.99%APR has been established for the variable rate Home Equity Line of Credit. Minimum Rate is 4.99% APR for 5, 10 or 15 year Home Equity Line of Credit for fixed or variable loan types. The interest rate for the fixed 5 year Home Equity Line of Credit will never change throughout the life of the loan. The maximum APR that may be imposed on any variable rate loan is 18%. The draw period will be determined by the length of your loan. During the draw period, payments will be due monthly and payment will be calculated to pay off the loan balance in approximately equal monthly payments by the maturity date. The interest will begin to accrue when money is taken from the line of credit. Initial and subsequent advance amounts of $500 are required.  For variable rate loans, the rate will change quarterly based on the prime rate from the Wall Street Journal as of the 15th of the month before the change date. The current rates for 2nd Mortgages are 5.49% APR for 5 year fixed loan, 5.99% APR for 10 year fixed loan and 6.49% APR for 15 year fixed loan. Your loan payments will be due monthly and payments will be calculated to pay off the loan balance in approximately equal monthly payments by the maturity date. Your interest rate on a fixed 2nd Mortgage will never change throughout the life of your loan.

Visa Platinum

APR*	Term
9.99%	Platinum Visa Offers Enhanced Benefits Automatic Payment Available Through Your RBFCU Account

*APR=Annual Percentage Rate. All loan payments are transferred from a RBFCU Account or credited through Direct Deposit. Add .25% if payments are not automatically transferred, does not apply to Visa Credit Cards. Qualified borrowers only - Rates subject to change. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed plus your individual creditworthiness.