MORTGAGE LOANS   I  CONSUMER LOAN RATES  I  SAVINGS DIVIDENDS

Unilever Federal Credit Union         Rates Effective as of 8/1/2010
MORTGAGE LOANS	TERM	APR	RATE TYPE	RATE FORMULA
HOME EQUITY LINE OF CREDIT
80% LTV	15 Yrs	4.000%	Variable	Based on Prime
Interest Only HELOC	15 Yrs 30 Yrs	Call Us For Rate	Variable Variable	Based on Prime 10 yrs interest only; 20 yrs fixed payment
2nd MTG FIXED RATE PROGRAMS
Three Year	3 Yrs	4.875%	Fixed
Five Year	5 Yrs	5.125%	Fixed
Seven Year	7 Yrs	5.375%	Fixed
Ten Year	10 Yrs	5.625%	Fixed
15 year	15 Yrs	5.875%	Fixed
1st MTG/ADJ. RATE PROGRAMS
One year ARM	30 Yrs	4.50%	Adj	Adjusts yearly**
Three year ARM	30 Yrs	4.50%	Adj	3 yr fixed rate, then adjusts yearly**
Five year ARM	15 Yrs	4.75%	Adj	5 yr fixed rate, then adjusts yearly**
Five year ARM	30 yrs	4.75%	Adj	5 yr fixed rate, then adjusts yearly**
Seven year ARM	30 yrs	5.00%	Adj	7 yr fixed rate, then adjusts yearly**
Ten year ARM	30 yrs	5.25%	Adj	10 yr fxd rate, then adjusts yearly**
Step-up Adj. 3/10/30	30 yrs	Varies	Adj	3 yr fixed rate; 7 yr step-up fixed rate then adjusts yearly**
1st MTG / FIXED RATE PROGRAMS
Fifteen year fixed	15 yrs	Call Us For Rate	Fixed	Call For Current Rates
Twenty year fixed	20 yrs	Call Us For rate	Fixed	(201) 894-7389
Thirty year fixed	30 yrs	Call Us For Rate	Fixed
Rates are subject to change without further notice Your actual rate and term will be based on your personal credit review and qualifications Rates based on payment via Automated Payment Certain cost and restriction may apply * HELOC rates subject to change quarterly or semiannually ** Current yearly index is 1-year Treasury Constant Maturity plus margin of 2.75%

Unilever Federal Credit Union                                     Rates Effective as of 8/1/2010
CONSUMER LOAN RATES	TERM	APR	AMOUNT
VEHICLE RATES
New & Pre-owned	24 months	4.75%
Car, Van, Truck	36 months	5.00%
Car, Van, Truck	48 months	5.25%
Car, Van, Truck	60 months	5.75%
New Only	72 months	6.25%
PERSONAL LOANS-TERM OR REVOLVING LINE OF CREIDT
Personal-Term	Up to 60 months	9.9% -16.9%	Up to $10,000
Revolving Line of Credit	Up to 60 months	9.9% - 16.9%	Up to $10,000
SHARE OR CD SECURED LOANS
Regular Share Savings	Up to 60 months	Current Dividend + 2.50%
Certificate of Deposit	Up to 60 months	CD RATE + 2.50%+
STOCK SECURED LOAN
New York, NASDAQ	Up to 60 months	8.00%
Rates are subject to change without further notice Your actual rate and term will be based on your personal credit review and qualifications Rates based on payment via Automated Payment Certain cost and restriction may apply Up to 100% Vehicle financing ½ of 1.00% discount available on Auto Loan with UFCU checking account

Unilever Federal Credit Union                                    Rates Effective as of 8/1/2010
SAVINGS DIVIDENDS	RATE	APY
MONEY MARKET
Tier I ($2,500 to $9,999)	0.25%	0.25%
Tier II ($10,000 to $49,999)	0.35%	0.35%
Tier III ($50,000 and over)	0.55%	0.55%
CERTIFICATE OF DEPOSIT (Account Type)	$1000	$10,000	$75,000+
	RATE        APY	RATE        APY	RATE        APY
3 months	0.35%    0.35%	0.45%     0.45%	0.55%      0.55%
6 months	0.45%   0.45%	0.55%    0.55%	0.65%     0.65%
12 months	0.75%      0.75%	0.85%      0.85%	0.95%        0.95%
18 months	0.95%    0.95%	1.05%     1.05%	1.15%      1.16%
24 months	1.15%    1.16%	1.25%     1.26%	1.35%      1.36%
30 months	1.15%    1.16%	1.25%     1.26%	1.35%      1.36%
36 months	1.35%    1.36%	1.45%     1.46%	1.55%      1.56%
48 months	1.65%    1.66%	1.75%     1.76%	1.85%      1.86%
REGULAR SHARE ACCOUNTS	RATE	APY
1st Quarter Actual	0.35%	0.35%
2nd Quarter Estimate	0.25%	0.25%
Rates are subject to change without further notice Upon maturity, certificates are renewed automatically for the same term and at the current rate, unlessyou specify otherwise.  Check our website for our most current rates or call 1-800-975-3328. Certificates of Deposit are subject to an early withdrawal penalty Certain cost and restriction may apply Minimum deposit amounts: Money Market Accounts= $2,500 Regular Certificates of Deposit= $1,000 Roth or Traditional IRA; Educational CD= $500