EFFECTIVE DATE 11/18/09 Home Equity Line Of Credit Other Secured Loans Home Equity Loan Passbook/Savings Loans Auto Loan Home Equity Line Of Credit (Maximum Variable Interest Rate During The Term Of The Loan Is 21%. 10 Year Term) Account Type Balances Rate APR 1 To 4 Family, Owner Occupied, 1st Or 2nd Lein Position Loan To Value 75% Or Less $15,000 - 200,000 3.75% 3.75% 1 To 2 Family, Investment, 1st Lein Position Loan To Value 50% Or Less $15,000 - 200,000 5.75% 5.75% All Other Lines, Loan To Value 50% Or Less (Prime Plus 4%) $15,000 - 200,000 7.25% 7.25% Back To Top Home Equity Loan (Fixed Rate, Loan To Value To 80% Or Less) Term Loan Amount Rate APR 5 Years $15,000 - 29,999 5.750% 5.750% 5 Years $30,000 - 200,000 5.250% 5.250% 8 Years $15,000 - 29,999 5.875% 5.875% 8 Years $30,000 - 200,000 5.375% 5.375% 10 Years $15,000 - 29,999 6.250% 6.250% 10 Years $30,000 - 200,000 5.750% 5.750% 12 Years $15,000 - 29,999 6.750% 6.750% 12 Years $30,000 - 200,000 6.250% 6.250% 15 Years $15,000 - 29,999 7.000% 7.000% 15 Years $30,000 - 200,000 6.500% 6.500% 20 Years $15,000 - 29,999 N/A N/A 20 Years $30,000 - 200,000 6.750% 6.750% Back To Top Auto Loan (New And Used) Term Loan Amount Rate APR 3 - 5 Years $5,000 - 6,999 15.00% 15.00% 3 - 5 Years $7,000 - 12,999 10.00% 10.00% 3 - 5 Years $13,000 - 19,999 9.00% 9.00% 3 - 5 Years $20,000 - 24,999 8.00% 8.00% 3 - 5 Years $25,000 - 50,000 7.00% 7.00% Back To Top Other Secured Loans (Mobile Homes, Recreation Vehicles, Etc.) Term Loan Amount Rate APR* 3 - 5 Years $10,000 - 14,999 17.00% 18.09% 3 - 6 Years $15,000 - 19,999 16.00% 16.70% 3 - 10 Years $20,000 & Over 14.00% 14.50% Back To Top Passbook/Savings Loans (Individuals Only) Term Loan Amount Rate APR* Variable $25,000 - 49,999 Instrument +5.00% Instrument +5.00% Variable $50,000 - 99,999 Instrument +4.00% Instrument +4.00% Variable $100,000 & Over Instrument +3.00% Instrument +3.00% Back To Top Please Note: All loan rates presented are disclosed as Annual Percentage Rates (APR), except for the "Other Secured" category. Rates and terms are subject to change without notice. Actual loan payments may be obtained for each loan rate and term on the Loan Calculator page on this web site. Used car loans available for a maximum term of 4 years and a maximum loan amount equal to the "KELLY Trade-In Value" as calculated monthly. New auto's require a 25% downpayment for a 5 year term and a 20% downpayment for a 4 year term. Home Line (Line of Credit) allows our customers to write checks as needed against a secured loan amount over a 10 year period with no annual fee, no application fee and no closing costs. The standard Variable Annual Percentage Index for a NewportFed equity Line of Credit is based on the Prime Rate published by the Wall Street Journal. The minimum loan amount to qualify for NewportFed's Home Line (Line of Credit) is $15,000. The maximum interest rate during the loan term is 21%. Fixed rate equity loan offers no application fee and no closing costs. Minimum loan amount to qualify is $10,000, and a .25% deduction in the rate can be obtained if you choose our checking account auto payment option. Loans greater than $150,000 and up to $300,000 require a Loan-to-Value of less than 75%. Existing Loop Account customers and High Value Checking customers: Deduct -0.25% for Auto Payment *Based upon the minimum loan amount in the range and a 10 year term, closing cost estimated at $400. A 30% down payment is suggested. More information on any of our products and services can be requested through e-mail (warning: do not send confidential information via email) or by calling us at (401) 847-5500. Rates and terms are subject to change without notice. Lending Center Home Mortgages Today's Mortgage Rates Mortgage Calculator Consumer Loans Loan Calculator NewportFed, 100 Bellevue Avenue, Newport, RI 02840 __ Telephone: 401.847.5500__ © 2008 NewportFed. All rights reserved.__ Member FDIC _Equal Housing Lender