FEE SCHEDULE EFFECTIVE 1/1/2011
Low Share Balance Fee
$5.00 per month
Returned Check Fee
$25.00 per month
Stop Payment Fee
$20.00 per item
Account Research (1 hour min.)
$25.00 per hour
Wire Transfers (out-going)
$15.00 per item
Subordination Fee
$50.00 each
Returned Mail Fee
$2.00 per item
Document Copies
$3.00 per page
Loan Late Fee
5% of payment (min. $20)
Overdraft Fee
$5.00 per transfer

Fees set forth by the NLMECU Board of Directors


LOAN RATES
Loan Product
Rate
Term
Signature Loan
12.00%*
Up to 60 months
New Car Loan
2.99%*
Up to 48 months
New Car Loan
3.99%*
Up to 72 months
Used Car Loan
3.99%*
Up to 60 months
Share Secured
2.50% above share dividend rate +
Up to 60 months
Home Equity
4.99%*
Up to 120 months ($10,000-$50,000)

*Interest rate may vary depending on your credit rating.  Please contact the credit union for more information.



DIVIDEND RATES
Savings Product
Rate         
Shares+
0.03% (APYE)
Clubs
0.03 % (APYE)
6 month Certificate (minimum $500)**
0.30 %
12 month Certificate (minimum $500)**
0.40 %
24 month Certificate (minimum $500)**
0.60 %

**Early withdrawal penalty on a Certificate of Deposit is 3 months of interest