SHARE SECURED LOANS ... using the shares in your N.F.G. #2 Federal Credit Union account, you can borrow up to 100% of your account balance. While pledged for your loan, your shares are not available for withdrawal, but as you pay down the loan principal, your shares again become available for your use. The shares pledged against your loan DO receive the regular rate of interest we pay on savings accounts.

     * Financing as long as 36 months on share secured loan of $10,000 or less.

     * Financing up to 60 months on share secured loan over $10,000

     * APR (Annual Percentage Rate) is calculated as our share dividend rate in effect at the time of loan application, plus 3.0%

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CERTIFICATE SECURED LOANS work much like the share secured loan, but a share certificate currently held with N.F.G. is pledged as collateral for the loan.

     * Financing for a certificate secured loan is over the remaining term of the Certificate.

     * The APR is the interest rate of the Certificate, plus 2.0%

     * Maximum loan amount is the face amount of the Certificate.

     * You'll still receive the interest on your share certificate, at the stated interest rate of the Certificate.