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Rates at New Century

Savings Accounts

Rates Effective April 1st, 2008

Account Min. Balance Rate APY Determined
Regular Share Account $25.00 .70% .709%APY Quarterly
Christmas Account $0 .70% .709%APY Quarterly
Vacation Club Account $0 .70% .709%APY Quarterly
Tax/ Escrow Club Account $0 .70% .709%APY Quarterly
Special Share Account $0 .70% .709%APY Quarterly

Money Market Accounts

Rates Effective August 1st, 2008

Account Min. Balance Rate Determined
Money Market Index $2,000 to $9,999 1.26% APY Monthly
Money Market Index &10,000 to $74,999.99 1.78% APY Monthly
Money Market $75,000 2.27% APY Monthly

Certificates of Deposit

Rates Effective August 1st, 2008

Term Rate APY
6 months 2.70% 2.73% APY
1 Year 2.95% 2.98% APY
2 Years 3.25% 3.29% APY
3 Years 3.50% 3.54% APY
4 Years 3.80% 3.85%APY
5 Years 4.10% 4.17% APY

Vehicle Loans

Rates Effective June 1st, 2008

Loan Downpayment Rate
New Car Loan 20% 5.49% APR
10% 5.74% APR
0% 6.24% APR
Used Car Loan 20% 5.49% APR
10% 5.74% APR
Used Car Loan
Older than 4 years
N/A 7.49% APR
Recreational Vehicle New 7.24% APR
Used 8.50% APR

Home Equity Loans

Rates Effective June 1st, 2008

80% LTV 90% LTV 100% LTV Term of Loan
5.99% 6.50% 7.50% 60 Months
6.25% 6.75% 7.75% 120 Months
6.75% 7.25% 8.25% 180 Months

Home Equity Line of Credit Available. Repayment up to 120 Months. Variable Rate.


Other Types of Loans

Rates Effective June 1st, 2008

Type APR Terms
Signature Loan 12.00% Max Term 48 Months
Share Secured Loan 5.74% Max. Term 60 Months

Visa Rates

Rates Effective January 1st, 2008

Classic Gold
11.80% 8.80%

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