Consumer Loan Rates

Current Rates effective January 13, 2012.

Product	Annual Percentage Rate	Term	Monthly Payment per $1000	Comments
Home Equity Line of Credit	Please see our Home Equity Lines of Credit page.

Product	Annual Percentage Rate	Term	Monthly Payment per $1000	Comments
Unsecured Personal	15%	60 months	$23.79	Rate Quoted Discounted for Auto Pay*

$6,000 Maximum Loan Amount.

Product	Annual Percentage Rate	Term	Monthly Payment per $1000	Comments
New Auto 2012 / New 2010	5.00%	48 mos	$23.03	25% Downpayment
	5.50%	48 mos	$23.26	20% Downpayment
	6.00%	60 mos	$19.33	20% Downpayment
	6.50%	48 mos	$23.72	19-5% Downpayment
				Rate Quoted Discounted for Auto Pay*

$15 Single Interest Insurance Premium is charged on ALL Auto Loans.

Product	Annual Percentage Rate	Term	Monthly Payment per $1000	Comments
Used Auto 2011 - 2000	6.00%	48 mos	$23.49	20% Downpayment
	7.00%	36 mos	$30.88	19-5% Downpayment
				Rate Quoted Discounted for Auto Pay*

$15 Single Interest Insurance Premium is charged on ALL Auto Loans.

Product	Annual Percentage Rate	Term	Monthly Payment per $1000	Comments
Older Vehicles 1999 - 1991	8.00%	36 mos	$31.34	20% Downpayment
	9.00%	36 mos	$31.80	19-5% Downpayment
				Rate Quoted Discounted for Auto Pay*

$15 Single Interest Insurance Premium is charged on ALL Auto Loans.

*Auto Pay = Monthly automatic withdrawal from NMSB account for payment. Rates quoted are 1% higher for loans requiring bills. Subject to credit approval.

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