North Alabama Educators Credit Union

DOES THE CRISP, COOL AIR OF FALL BECKON YOU TO THE LAKE OR MOUNTAINS? IF YOU LOVE spending fall in the great outdoors, then why not make this autumn one of the most memorable yet? Dedicate your weekends to fishing, boating, camping, and exploring from your own boat or recreational vehicle. North Alabama Educators Credit Union (NAECU)'s newly reduced lending rates may help make your dream of boat or RV ownership possible. From September through November, qualifying members can take advantage of NAECU's reduced loan rates on recreational vehicles and boats. Annual percentage rates for boats and RVs have been reduced by 1%, equivalent to 100 basis points. This offer is applicable to purchases or to refinance a loan from another financial institution. † Rate options include: → Boats—rates as low as 3.50% APR for new or used boats, with a term extended to 72 months* → RVs—rates as low as 3.60% APR for 60 months*, as low as 4.60% APR for 96 months*, and as low as 5.60% APR for 120 months* The beautiful natural resources of Alabama and the Tennessee Valley are waiting for you. If you're in the market for a boat or RV this fall, explore this lending option and then enjoy the great outdoors in style! † Not applicable for current NAECU loans *With approved credit EVERYONE NEEDS A LITTLE REST AND RECREATION IN THEIR LIVES. IF YOUR IDEA OF R&R BEGINS WITH BOATING OR RV TRAVEL, THERE'S NO BETTER TIME TO EXPLORE A LOAN FROM NAECU. VISIT NAECU.ORG FOR DETAILS AND ELIGIBILITY INFORMATION FOR THIS SPECIAL OFFER ON RV AND BOAT LOANS. TOGETHER: NAECU is offering auto loans with an annual percentage rate, or APR—the amount it costs to borrow money—as low as 1.99% for 72 months with no payment for up to 90 days*. Why is this important for members interested in buying a car to know? GREG: Our rates are based on target rates set by the Federal Reserve. The Federal Reserve hikes target rates of generally 25 basis points at a time, and a hike is expected soon. On a $35,000 vehicle loan, that could add hundreds of dollars in financing costs to the loan. TOGETHER: How easy is it for a member to start the car loan process? GREG: Visit our website and download the loan application with the click of a button. It's that easy. TOGETHER: What if a member is struggling with finances but wants to take next steps toward smarter auto financing options? GREG: First, speak with one of our loan officers. We offer smaller Credit Rebuilder loans to help members re-establish a credit history. TOGETHER: What other smart financing options are available at NAECU? GREG: We offer on-the-spot financing at several area auto dealers, but if you choose to go with our low 72-month rate, it would be financially savvy to pay more than the minimum monthly payment. *With approved credit GREG OLMSTED, PRESIDENT AND CEO OF NORTH ALABAMA EDUCATORS CREDIT UNION (NAECU), PROVIDES INSIGHT ABOUT CAR LOAN FINANCING. AUTOMOBILE DEALERSHIPS PROFIT FROM YOU, BUT NAECU MAY BE ABLE TO SAVE YOU MONEY. VISIT NAECU.ORG, CLICK THE "LOAN" TAB, THEN SELECT "LOAN APPLICATION" TO GET STARTED. IF YOU PREFER TO HAVE A LOAN OFFICER'S GUIDANCE, CALL OR STOP BY A BRANCH TO DISCOVER HOW MUCH YOU MAY BE ABLE TO SAVE. Fu i th Fal Aut Loan Q&A 3 NAECU.ORG NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE

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