Norfolk Southern Employees' Credit Union
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Effective 07/01/10
 
Share/Savings Accounts
 
IRA Accounts
Traditional and Roth1.50% Div. Rate1.51% APY *
    $200 Minimum to Earn Dividends
 
Share Accounts
Primary Shares.05% Div. Rate.05% APY *
    $200 Minimum $2499 Maximum
Primary Shares.15% Div. Rate.15% APY *
    $2500 Minimum $9999 Maximum
Primary Shares.35% Div. Rate.35% APY *
    $10000 Minimum $100000 Maximum
 
Share Draft Accounts
Checking Accounts.02% Div. Rate.02% APY *
    $500 Minimum to Earn Dividends
 
Rates shown were paid at the last quarter.  Dividends are based on earnings and therefore cannot be declared in advance.
 
Loan Accounts
 
Unsecured Loans (Signature)
Signature15.90% APR
  $50 Minimum $500 Maximum
Signature10.90% APR
  $501 Minimum $999 Maximum
Signature9.90% APR
  $1000 Minimum $1999 Maximum
Signature8.90% APR
  $2000 Minimum $4999 Maximum
Signature7.90% APR
  $5000 Minimum $7500 Maximum
 
Share-Secured Loans
Share Covered4.90% APR
 
Vehicle Loans
New Vehicles6.90% APR
  Including Motorcycles
Used Vehicles7.90% APR
  Current and Prior Year
Used Vehicles8.25% APR
  2 Years Old
Used Vehicles8.50% APR
  3 and 4 Years Old
Used Vehicles9.00% APR
  5 Years Old
 
Personal Loans
Negotiable Securities6.90% APR
  70% of Stock Quote
 
Rates are subject to change.
 
Fees & Disclosures
 
Miscellaneous Fees
Joining Fee$ 1.00
Preauthorized Withdrawal Return$ 20.00
Domestic Wire Transfer$ 10.00
Notary Service to MemberFree
 
Contact the Credit Union for any additional fees that may apply.
 
 
Norfolk Southern Employees' Credit Union

100 Volvo Parkway, Suite 310 
Chesapeake, VA 23320  USA
Phone: 757-547-1544  Fax: 757-382-7765
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