Mutual 1st Federal

Rates

Loan Rates
Mortgage Rates
VISA Card Rates
Auto Leasing
Savings Rates
Checking Rates

Loan Rates

All rates are Annual Percentage Rate (APR)
**APR quotes are 'start at' rates, final rate based on FICO score. Unless otherwise stated all APR's are accurate as of 05/15/08
All rates are subject to change at any time.
Please call (402)697-8200 (877-697-8545 Toll Free) for current information
 Calculator
Auto / Motorcycle
Type APR Terms
New 4.99 Up to 48 Months
5.99 Up to 60 Months
6.49 Up to 72 Months (based upon credit score & vehicle)
Used 4.99 Up to 48 Months
5.99 Up to 60 Months
6.49 Up to 72 Months (based upon credit score & vehicle)
Auto Equity 4.99 Up to 48 Months
5.99 Up to 60 Months
6.49 Up to 72 Months (based upon credit score & vehicle)


2,500-4,999 *Prime + 4.50% 5,000-25,000 Prime + 3.00% 05/08/08 Calculator
Lines of Credit
Type APR Daily Periodic APR
Mutual First Line *Variable rate-subject to change after loan is closed
$2,500 to $4,999 9.50* 0.026712 Effective 3/19/08
$5,000 to $25,000 8.00* 0.022603 Effective 3/19/08
Overdraft Line 18.000


Calculator
Other Secured Loans
Type APR Terms
Other Collateral 8.240 Up to 60 Months (up to 36 months on computers)


Updated 3/19/08 Calculator
Saving Secured Loans
Type APR Terms
Pledge of Savings 3.70% Up to 12 Months (3% above highest savings rate)
Certificate Assignment 3.50% above assigned certificate rate Up to 60 Months


updated 03/19/08 Calculator
Personal Loans
Type APR Terms
Less than $2,500 12.90 Up to 36 Months
$2,500 to $4,999 11.90 Up to 36 Months
$5,000 Plus ("A" FICO Rating Only) 10.90 Up to 36 Months

Mortgage Rates

**APR Accurate as of 07/25/08
Rates are based on $150,000 financing.
Rates are subject to change at any time. Calculator
First Mortgage
Type APR Terms
First Mortgage Fixed 6.875 30 Year Fixed
First Mortgage Fixed 6.750 20 Year Fixed
First Mortgage Fixed 6.375 15 Year Fixed
30 year fixed -1.0 point 6.625 30 Year Fixed, 1 point buy down
20 year fixed -1.0 point 6.500 20 Year Fixed, 1 point buy down
15 year fixed -1.0 point 6.125 15 Year Fixed, 1 point buy down
NIFA Loans 6.440 30 Years


updated 03/19/08 Calculator
Home Equity Closed End
Type APR Terms
Closed-end 5 year, 5 year amortized -or- 5 year balloon with variable amortization (Maximum 20 years) 6.70 80% equity used after financing
8.00 90% equity used after financing
Closed-end 10 year, 10 year amortized 7.25 80% equity used after financing
8.75 90% equity used after financing
Closed-end 15 year, 15 year amortized 8.75 80% equity used after financing
Other rates & terms available


Calculator
Home Equity Line of Credit
Type APR
Open End (Line of Credit) Start at 3.99% for 6 months* (daily periodic Rate starts at 0.019863)
* Variable rate-subject to change after loan is closed		 Wall Street Journal Prime Rate
Rate Effective 1/31/08

VISA Card Rates

*Your APR may be higher. Your credit score will determine which ANNUAL PERCENTAGE RATE applies to you at account opening. Further, your credit score will determine which APR applies to your account every two (2) years when your card is re-issued. In no case will your APR exceed 17.99%. Minimum Payment Calculator
VISA Credit Cards
Type APR
VISA PLATINUM PREFERRED 8.99%*
VISA BUSINESS 8.99%*
VISA GOLD PRIME 10.99%*
VISA CLASSIC PREMIER 15.99%*
VISA CREDIT BUILDER 16.49%*


Calculator
VISA Credit Card Additional
Grace Period Method of Computing Balance Annual Fee Minimum Finance Charge Transaction Fee for Purchases Other Charges
Purchases 25 days
Cash Advances accrue interest from the date the advance is made		 Average Daily Balance Method (including current transactions) NONE NONE NONE Return Check Fee-$20
Late Payment Fee-$15
Overlimit Fee-$15
Card Replacement Fee-$5

Auto Leasing

Calculator
Auto Leasing
Type APR Terms
Not offered at this time

Savings Rates

All rates are Annual Percentage Yield (APY)
Unless otherwise stated all APY's are accurate as of 3/21/08
All rates (APY's) are subject to change at any time.
All rates are prospective.
Fees applied to any of these accounts may reduce the earnings on the account
Please call (402)697-8200 (877-697-8545 Toll Free) for current information.
 Calculator
Regular Savings
Type Account Balance Prospective Dividend Rate Prospective APY
All paid quarterly Less than $1000 .250 .250
$1000-$9,999 .500 .501
Over $10,000 .700 .702


Calculator
IRA Regular Savings
Type Account Balance Prospective Dividend Rate Prospective APY
(Paid Quarterly) All Balances 1.000 1.004


$100 initial deposit required
1 annual withdrawal allowed per calendar year (January through December)
Over 1 withdrawal per year $25.00 per withdrawal Calculator
Jump Start Savings
Type Account Balance Prospective Dividend Rate Prospective APY
Paid Quarterly $100 - $5000 2.500 2.524


Calculator
Health Savings
Type Account Balance Prospective Dividend Rate Prospective APY
(Paid Quarterly) All Balances 2.500 2.524


(Paid Monthly)
Includes IRA Certificates
*Penalty may be imposed for early withdrawal
Certificates offered for limited time only. Offer may end at any time.
See information regarding Rate Match Promotion Calculator
Certificate Savings Specials
Type Term Dividend Rate APY
Certificate Rate Match Local Published Rates & Terms
13 Month Special 13 month 3.203% 3.250%
40 Month Special 40 months 3.784% 3.850%


(Paid Quarterly)
Includes IRA Certificates
*Penalty may be imposed for early withdrawal Calculator
Certificate Regular Rates
Type Term Dividend Rate APY
Minimum Deposit $1,000
(Youth under age 18 $500)
Certificate Builder
12 Month Rate		 * 3 Months 2.300 2.320
* 6 Months 2.500 2.524
* 12 Months 2.600 2.625
* 24 Months 2.600 2.625
* 36 Months 2.600 2.625
* 48 Months 2.750 2.778
* 60 Months 2.750 2.778
Minimum Deposit $10,000 * 3 Months 2.450 2.473
* 6 Months 2.650 2.676
* 12 Months 2.850 2.881
* 24 Months 3.300 3.341
* 36 Months 3.400 3.444
* 48 Months 3.500 3.546
* 60 Months 3.600 3.649


updated 3/19/08 Calculator
First Market Savings
Type Account Balance Prospective Dividend Rate Prospective APY
(Paid Monthly) Less than $2,500 0.000 0.000
$ 2,500 - 9,999 1.000 1.005
$ 10,000 - 24,999 1.150 1.156
$25,000 - 49,999 1.350 1.358
$50,000 - 99,999 1.500 1.510
$100,000 & over 1.750 1.764
High Yield Accounts $0 - 49,999 0.000 0.000
$50,000 + 2.650 2.682


Calculator
Club Accounts
Type Account Balance Prospective Dividend Rate Prospective APY
Holiday Club (Paid 11/2008) All Balances 1.50 1.50
Vacation Club (Paid 06/2008) All Balances 1.50 1.50

Checking Rates

Calculator
Checking Accounts
Type Account Balance Prospective Dividend Rate Prospective APY
All Account Types Except Free (paid Monthly) $500.01-$5,000.00 0.250 0.251
All Account Types Except Free (paid Monthly) $5,000.01 Plus 0.500 0.501
Free Account All Balances 0.000 0.000
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