NHFCU First Time Homebuyer Program

Northern Hills Federal Credit Union (NHFCU):We welcome your application. All loans are subject to credit approval. Not all
borrowers will qualify. Rates and terms subject to change at any time without notice. Some restrictions apply. Property
insurance is required. NHFCU reserves the right to discontinue loan products at any time. Please call 605-347-4527
for details. Payment example: An NHFCU First Time Homebuyer loan of $300,000 for 30 years at 6.875% interest and
7.0284% APR will have a monthly payment of $2,001.63. Taxes and insurance are not included; therefore, actual payment
obligation will be greater. Actual APR and interest rate may vary. APR= Annual Percentage Rate.