Rates

Investments in your future…

All Rates

Effective Date 12/10/25

Investments
Certificates
Auto Loans
Secured Loans
Revolving Credit Loans
Mortgages
Home Equity Loan
Home Equity Line Of Credit
Unsecured and Personal Loans

Investments

Product	Required Balance	Rate	APY

Regular & Special Shares	$5.00 to $4,999.99	0.02%	0.02%
	$5,000 to $19,999.99	0.03%	0.03%
	$20,000 to $49,999.99	0.06%	0.06%
	$50,000 and over	0.08%	0.08%

Product	Minimum to Receive Dividend	Rate	APY
Share Draft*	$500	0.03%	0.03%

(* Dividends are paid to share draft accounts with an average daily balance of $500 or more)

Product	Required Balance	Rate	APY
Money Markets	$5,000 to $25,000	0.10%	0.10%
	$25,001 to 75,000	0.15%	0.15%
	$75,001 to $200,000	0.25%	0.25%
	$200,001 and over	0.30%	0.30%

Certificates

Certificates	Term	Rate	APY

Regular Share Certificates	6 Months	0.50%	0.50%
	1 Year	0.75%	0.75%
	2 Years	1.00%	1.01%
	3 Years	1.25%	1.26%
	5 Years	1.50%	1.51%

Auto Loans

Loan Type	Maximum Amount	Term	APR
New Auto or Truck		Up to 84 Months	As low as 4.74%
Used Auto or Truck		Up to 84 Months	As low as 5.74%

Apply for an Auto Loan Here

Secured Loans

Loan Type	Maximum Amount	Term	APR
Share/Certificate Secured Loan	Value of pledged shares	No Set Term	3% Differential

Apply for a Secure Loan Here

Revolving Credit Loans

Loan Type	Maximum Amount	Term	APR

Platinum VISA Card	$20,000	N/A	As low as 11.90%

Apply for a Visa Here

Mortgage

Home Equity Loan

Loan Type	Maximum Amount	Term	APR
Home Equity Loan	80% LTV	5 Yr/60 Months	As low as
			7.50%
		10 Yr/120 Months	As low as
			7.75%
		15 Yr/180 Months	As low as
			8.50%
		20 Yr/240 Months	As low as
			8.75%

	90% LTV	5 Yr/60 Months	As low as
			8.50%
		10 Yr/120 Months	As low as
			8.75%
		15 Yr/180 Months	As low as
			9.50%
		20 Yr/240 Months	As low as
			9.75%

Apply for a Home Equity Loan

Home Equity Line Of Credit

Loan Type	Maximum Amount	Term	APR
Home Equity Line of Credit	80% LTV	15 Yr/180 Months	WSJ Prime:
			6.75%

	90% LTV	15 Yr/180 Months	WSJ Prime+ 1.00%

Apply for a Home Equity Line of Credit

Unsecured and Personal Loans

Loan Type	Maximum Amount	Term	APR

Signature	$20,000	Up to 48 Months	As low as 12.99%

Apply for a Personal Loan Here

ALL RATES AND FEES ARE SUBJECT TO CHANGE WITHOUT NOTICE

The fees appearing in this Schedule are accurate and effective for deposit accounts.

If you have any questions or require current rate and fee information on your accounts, please contact the Credit Union at 609-631-4300 if in the local calling area or 800-449-3221 if outside of the local calling area.