What are your borrowing needs? Are you ready for a new home? Do you need to fix a few things in your current home? Is it time for a new vehicle? Do you need to finance an education? Or do you need reliable, low rate credit? Whatever your needs are, your credit union can help. We offer a variety of loans, including Visa Credit Cards, with low rates and flexible terms to accommodate all your borrowing needs.

• Real Estate Loans
  
• Vehicle Loans
  
• Visa Credit Cards
  
• Student & Plus
  
• Other Loans
  
• Loan By Phone
• Any Hour Loan

Real Estate Loans

Mortgage Loans
If you're ready for your first home, or you're ready to move up to a bigger home, see us first. We have various mortgage options including 5, 10, 15, 20, 25, and 30 year fixed-rate mortgages available up to $650,000.

Refinancing Options
If you currently have a mortgage with another institution, talk to us. With our refinancing options you could lower your monthly payments and save instantly. Just contact one of our loan officers at (570) 421-5585 for more information or to make an appointment.

Home Equity Loans
Need a loan? Just ask your house! With a Home Equity Loan, you'll get the cash you need. Plus the interest you pay on a Home Equity Loan usually is tax-deductible (consult your tax advisor). It's the next best thing to a no-interest loan. We have two great options:

Home Equity Line Of Credit
This loan has a Variable Annual Percentage Rate (A.P.R.) which is tied to the Wall Street Journal Prime Rate. It's perfect for ongoing expenses like financing an education. It's also a perfect way to be prepared for emergencies. You simply borrow as you need. Call (570) 421-5585 or stop by the credit union office to learn more.

Home Equity Fixed Rate Loan
Borrow against your home's equity with this low rate loan option. It's great for one-time expenses like debt consolidation or home improvements. Better yet there are no appraisal fees, and we offer a free residential credit report and free flood verification. We have 5 and 7-year terms available. Call
(570) 421-5585 or stop by the credit union office to learn more.

Vehicle Loans

If you're ready for a new or used vehicle talk to us. We offer low loan rates, plus flexible terms up to 72 months for new vehicles and 60 months for used vehices. In addition to a great loan, NE PA offers pricing guides for both new and used vehicles so that you can make an informed decision with vehicle purchases and trade-ins.

Refinance your Current Vehicle Loan
If you have a vehicle loan at another financial institution, you can possibly refinance the loan with our credit union and we will beat your current rate by as much as 1.5% APR.

Pre-Approvals For Your Convenience
Once you've researched pricing, come to the credit union and get your loan pre-approved. Then you can shop confidently with "cash in hand" bargaining power.

Guaranteed Asset Protection Plus – GAP Plus– Protect Your New Car Investment
Your vehicle starts depreciating the minute you drive off the dealer's lot, and if it's stolen or damaged beyond repair before you finish paying for it, your insurance company will most likely only pay the actual cash value. You can protect your investment, however, with Guaranteed Auto Protection (GAP) coverage. GAP pays any remaining balance due on your loan over the payment from your insurance company, covers your financing agreement for the entire life of your loan, and provides you with $1,000 towards your next vehicle if you finance with us. Don't risk paying for your dream car after it's gone.

Mechanical Repair Coverage
When you think of extended warranties, you may typically think of those offered by car dealerships. Did you know you can get an extended warranty through your credit union? It's true! NE PA offers Mechanical Repair Coverage for new and used vehicles. For just a few dollars a month, Mechanical Repair Coverage can save you hundreds or even thousands!

Credit Disability Insurance
It happens. People get sick or hurt, end up in the hospital, and have to take time off from work. Even with good benefit packages, bills do mount up. With credit disability insurance, your credit union loans are paid automatically until you are on your feet again. For a minimal cost, you can protect yourself, your family, and your credit record. Call us or stop by the credit union to find out about this low-cost protection for your family and your credit union loans.

Credit Life Protection Insurance
Protect yourself and your family when you have a loan with your credit union. Credit Life Insurance will pay off any outstanding balance in case of death. It is available at a minimal cost on most credit union loans. Call or visit us for more information on this protection.

Payroll Deduction and Direct Deposit are available to make payments on your NE PA auto loan easy and convenient.

Visa^® Credit Cards

It's the credit card you can afford to use. Accepted at the finest retail shops, airlines, car rentals, and hotels worldwide, our low interest Visa Credit Card offers the savings and features you want in a credit card. It's perfect for shopping, travel, and in case of emergency.

Some of the outstanding features of our Platinum Visa Credit Card are:

• Low 8.99% A.P.R. (Annual Percentage Rate)
• NO ANNUAL FEE (if card is used at least once annually)
• 25-day Grace Period For Purchases
• Cash Advances At Same Low Rate As Purchases
• Automatic Payment On Card Balances Through Payroll Deduction
• No Accelerating Increase In The APR For Late Payments
• And More!

Some of the outstanding features of our Classic Visa Credit Card are:

• Low 11.50% A.P.R. (Annual Percentage Rate)
• NO ANNUAL FEE (if card is used at least once annually)
• 25-day Grace Period For Purchases
• Cash Advances At Same Low Rate As Purchases
• Automatic Payment On Card Balances Through Payroll Deduction
• No Accelerating Increase In The APR For Late Payments
• And More!

SUMMARY OF TERMS:

* The Annual Percentage Rate is based on certain credit-worthiness criteria.

A $20.00 Fee will be charged for any share drafts or checks returned due to insufficient funds.

†Of transaction amount.

Effective: May 2006

Disclosures are accurate as of the print date and may be changed after that date.

Contact us for any changes in the above information.

Visa Credit Card Telephone Access
Your Visa Credit Card has an 800 number at your fingertips. Find out information about your credit card such as account balances, payment due date, payment due amounts, etc. This service is provided by Visa for your convenience. Just call 1-800-433-0505 and the operator will walk you through the necessary steps. It's that easy!

Student Loans & Plus

The student in your house could be your teenager going off to college for the first time or you returning to continue your education. Whoever the student is, one fact remains the same: higher education is expensive. Let us and the Federal Family Education Loan Program (FFELP) make your graduation dreams come true.

FFELP Options:

• Stafford Loans (Student)
• PLUS Loans (Parent)
• Additional Governmental Assistance Programs

Credit Union Options:

• Home Equity Loans
• Coverdell Education Savings Account
• High-Yield Savings & Investment Accounts

There are few things more important than a college education. Let us help you make the dream of a college education a reality.

Other Loans

Share Secured Loans
The credit union offers loans at competitive, low-interest rates for those members who choose to use the funds in their Share, Share Certificate, or TOP Performing Accounts as collateral on the loans.

Signature Loans
Our Signature Loans are your all purpose loan solution. Borrow up to $1,500 for vacations, household purchases, holiday shopping, auto repairs, or any other reason. Terms up to 24 months are available.

Personal Line Of Credit Loans
This loan is great way to be prepared for life's little surprises, or to help with ongoing expenses. You can draw on a Line of Credit for up to $7500 with a term of up to 48 months.

Credit Disability Insurance
It happens. People get sick or hurt, end up in the hospital, and have to take time off from work. Even with good benefit packages, bills do mount up. With credit disability insurance, your credit union loans are paid automatically until you are on your feet again. For a minimal cost, you can protect yourself, your family, and your credit record. Call us or stop by a credit union office to find out about this low-cost protection for your family and your credit union loans.

Credit Life Protection Insurance
Protect yourself and your family when you have a loan with your credit union. Credit Life Insurance will pay off any outstanding balance in case of death. It is available at a minimal cost on most credit union loans. Call or visit us for more information on this protection.

Loan-By-Phone - (877) 421-5585

Now you can process your application for a credit union loan during and after our normal business hours. With Loan-By-Phone, you can apply for a loan when it's convenient for you, even during evening and weekend hours. Feel free to call from home, work, or from the car dealership. Whenever you are ready to apply for a loan, we can help. You can apply for just about any loan, including automobile loans, personal loans, home improvement loans, or a VISA card. This service is available 24 hours a day and 7 days a week, and in some instances you can receive a loan decision instantly.