Rates

Personal Accounts

Rates Effective 08-01-14

DIVIDEND RATEAPY

(Annual Percentage Yield)

Fees, Charges & Conditions
Savings.21%.21%Dividends compounded quarterly
Special Purpose Savings.21%.21%Dividends compounded quarterly
Money Market Shares*
$2,500 - $9,999.20%20%Dividends compounded monthly
$10,000 - $24,999.25%.25%Dividends compounded monthly
$25,000 - $49,999.30%.30%Dividends compounded monthly
$50,000 - $99,999.35%.35%Dividends compounded monthly
$100,000+.40%.40%Dividends compounded monthly

The Annual Percentage Yield is variable after an account is opened. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.

* Minimum balance to earn dividends.

Business Accounts

Rates Effective 08-01-14

DIVIDEND RATEAPY

(Annual Percentage Yield)

Fees, Charges & Conditions
Savings.21%.21%Dividends compounded quarterly
Special Purpose Savings.21%.21%Dividends compounded quarterly
Money Market Shares*
$2,500 - $9,999.20%.20%Dividends compounded monthly
$10,000 - $24,999.25%.25%Dividends compounded monthly
$25,000 - $49,999.30%.30%Dividends compounded monthly
$50,000 - $99,999.35%

.35%

Dividends compounded monthly

$100,000+.40%.40%Dividends compounded monthly

The Annual Percentage Yield is variable after an account is opened. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.

* Minimum balance to earn dividends.

Individual Retirement Accounts

Rates Effective 06-20-14

DIVIDEND RATEAPY

(Annual Percentage Yield)

Fees, Charges & Conditions
Regular IRA Shares.21%.21%Dividends compounded quarterly
Roth IRA Shares.21%.21%Dividends compounded quarterly
Educational/Coverdell IRA Shares.21%.21%Dividends compounded quarterly

The Annual Percentage Yield is variable after an account is opened. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.

Share Certificates

Rates effective 09-08-14

Up to $100,000

DR (Dividend Rate) | APY (Annual Percentage Yield)

$100,000+

DR (Dividend Rate) | APY (Annual Percentage Yield)

Fees, Charges & Conditions
90-Day Share Certificate0.25% / 0.25%

DR / APY

0.25% / 0.25%

DR / APY

Dividends compounded quarterly
180-Day Share Certificate0.45% / 0.45%

DR / APY

0.45% / 0.45%

DR / APY

Dividends compounded quarterly
12-Month Share Certificate0.80% / 0.80%

DR / APY

0.90% / 0.90%

DR / APY

Dividends compounded quarterly
18-Month Share Certificate0.90% / 0.90%

DR / APY

1.00% / 1.00%

DR / APY

Dividends compounded quarterly
24-Month Share Certificate1.00% / 1.00%

DR / APY

1.10% / 1.10%

DR / APY

Dividends compounded quarterly
36-Month Share Certificate1.10% / 1.10%

DR / APY

1.19% / 1.20%

DR / APY

Dividends compounded quarterly
12-Month IRA Share Certificate0.90% / 0.90%

DR / APY

0.90% / 0.90%

DR / APY

Dividends compounded quarterly
24-Month IRA Share Certificate1.10% / 1.10%

DR / APY

1.10% / 1.10%

DR / APY

Dividends compounded quarterly

No loss of principal investment. The dividend payment method selected may affect certificate earnings. Fees may reduce earnings on these accounts. A penalty may or may not be imposed for early withdrawal. Penalty for early withdrawal for certificates with terms of 90 days or less is 30 days' dividends, certificates with terms of less than 1 year and more than 90 days is 90 days' dividends, certificates with terms between 12-24 months is 180 days' dividends, and certificates with terms of greater than 24 months are 365 days' dividends. No penalties for catastrophic events. Contact the credit union for full disclosure requirements.

Auto Loans

Rates effective 02-06-14

APR

(Annual Percentage Rate)

Terms & Conditions
New2.29% - 13.29%Up to 84 months (APR may vary)
Used2.29% - 13.29%Up to 84 months (APR may vary)
Classics & CollectiblesAs low as 8.00%Up to 60 months (APR may vary)
Recreational Vehicle Loans

Rates effective 08-07-14

APR

(Annual Percentage Rate)

Terms & Conditions
AircraftAs low as 4.90%Up to 144 months

(APR may vary)

BoatsAs low as 4.95%Up to 240 months

(APR may vary)

Motorcycles & Off-Road VehiclesAs low as 3.24%Up to 60 months

(APR may vary)

Motorhomes, Campers, & TrailersAs low as 4.70%Up to 240 months

(APR may vary)

Other Consumer Loans

Rates effective 02-06-14

APR

(Annual Percentage Rate)

Terms & Conditions
SignatureAs low as 11.15%Up to 60 months

(APR may vary)

New! Platinum VISA Credit CardAs low as 8.95%Revolving / No Annual Fee!
Miscellaneous CollateralAs low as 7.50%Up to 84 months

(APR may vary)

Pledge of Shares/Pledge of CertificateDiv Rate + 3.00%Up to 144 months

(APR may vary)

Home & Real Estate Products

Rates effective 02-06-14

APR

(Annual Percentage Rate)

Terms & Conditions

Northern Skies is an Equal Housing Lender

Mini-Home Equity Line of CreditCurrently as low as 6.75%

(Variable rate as low as Prime+3.50%)

Revolving

(APR may vary)

Mini-MortgageAs low as 7.95%Up to 48 months

(APR may vary)

Home Equity Line of CreditCurrently as low as 2.75%

(Variable rate as low as Prime -.50%)

Up to 240 months

(APR may vary)

Fixed Rate Equity LoanAs low as 5.90%Up to 180 months

(APR may vary)

Recreational PropertyAs low as 6.90%Up to 144 months

(APR may vary)

Credit Union ServicesApplicable Fees & Conditions
SavingsMinimum balance of $5 required
Under Minimum Balance$5.00 every 6 months
Bad Address$5.00
Inactive Account Fee

(If combined balance falls below $50 with no member-initiated activity for 1 year. Waived if loan activity on same acct.)

$5.00 per month/per account
Checking$5.00 per month

This fee is WAIVED if the account balance of $100 or more is maintained for the full calendar month -OR- with an active direct deposit on the account

Non-Sufficient Funds (NSF)$25.00 per item
Courtesy Pay / NSF Check & Debit Clearing Fee$25.00 per item
Transfer for Overdraft$5.00 per transfer
First 2 Stop Payments in calendar year$10.00 per item
3rd-7th Stop Payments in calendar year$25.00 per item
8th-12th Stop Payments in calendar year$30.00 per item
Image of Cleared Check via eNavigator! Online BankingFree
Copy of Cleared Check$1.00 per item
Statement Copy$2.00 per item
Counter Checks$.25 each
Order of ChecksVaries
Rejected Item$5.00 per item
IRAFREE

(Premature withdrawals up to 5 per year)

Premature Withdrawals$25.00 each

(more than 5 per year)

Other Services
Cashiers Check$1.00 each

(Free if payable to self)

Money Order$1.00 each
ePay Online Bill Payment

*ePay is free to all active user accounts. Active user accounts are defined as ePay accounts that have been used to pay at least one (1) bill per month.

FREE for Active Users*

A monthly fee of $4.95 will be charged to your share draft account if the account becomes inactive or if you have not paid at least one (1) bill during the monthly period.

Stop Payment of Cashiers Check or Money Order$10.00 each
ATM SurchargeVaries

(FREE within the Alaska ATM Alliance Network)

Instant Issue ATM Card$5.00 per card
ATM/VISA Check Card Reissue$5.00 per card
VISA Gift Card $4.95 per card
VISA Travel Money Card$9.95 per card
Recurring ACH$10.00 each

(one-time setup fee)

Wire Transfer$20.00 each
International Wire Transfer$60.00 each
Outgoing Foreign Item Collection Fee$25.00 each
Safe Deposit Boxes- $40.00 per year for a 3"x5" box
- $40.00 per year for a 5"x5" box
- $60.00 per year for a 3"x10" box
- $70.00 per year for a 5"x10" box
- $85.00 per year for a 7"x10" box
- $105.00 per year for a 10"x10" box
- $125.00 New Key Fee
Notary for Member or Non-MemberFREE
Skip-A-Payment$25.00
Verification of Deposit$10.00
DMV Document Rush$10.00
Returned Deposited Item (if written by self)$20.00 per item
Improperly Encoded Check$5.00 per item
Research$15.00 per hour

($5.00 minimum)

Levy/Garnishment Fee$40.00 per item
Subordination Agreement Fee$75.00