# Rates** .................................................................................**

SHARE RATES CERTIFICATE RATES LOAN RATES FEE SCHEDULE

Effective as of: 11/1/2018

New Autos-as low as | Tier 1 710 | Tier 2 680-709 | Tier 3 660-679 | Tier 4 620-659 |

Up to 48 months | 2.24%* | 2.94%* | 4.14%* | 5.24%* |

49-60 months | 2.64%* | 3.24%* | 4.54%* | 5.64%* |

61-72 months | 3.04%* | 4.04%* | 5.04%* | 6.54%* |

Used Autos-as low as | 710 | 680-709 | 660-679 | 620-659 |

2018-16 -Up to 60 months | 2.74%* | 3.54%* | 4.64%* | 5.74%* |

2018-16 -61-72 months | 3.44%* | 4.24%* | 5.24%* | 6.64%* |

2015-14 - Up to 66 months | 3.84%* | 4.74%* | 5.74%* | 7.04%* |

2013-12 - Up to 54 months | 4.24%* | 4.94%* | 6.24%* | 7.24%* |

2011-10 - Up to 48 months | 4.74%* | 5.24%* | 6.54%* | 7.74%* |

09 or older - Up to 36 months | 5.24%* | 5.74%* | 7.14%* | 8.25%* |

Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. | ||||

Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. | ||||

Possible extended term of up to 6 months---add .50 basis points. Not to exceed 72 months. | ||||

Share Secured Loans | APR-as low as | |||

100% share secured | 3.25% | |||

75% share secured | 4.25% | |||

50% share secured | 5.25% | |||

Share Certificate secured | 2.00% over certicate rate | |||

Home Equity Loans | APR*-as low as | |||

0 - 60 months | 4.750% | |||

61 - 90 months | 5.000% | |||

91 - 120 months | 5.250% | |||

*APR (Annual Percentage Rate) Minimum loan amount is $5,000 Check with credit union for rates. Loan rates are based on credit worthiness of applicants and may vary from those above. Pay $183.55 for every $10,000 borrowed at 4.00% for 60 months. Examle for illustration purposes only. Consult a tax advisor regarding the deductibility of interest. (fixed-rate, closed-end) | ||||

Home Equity Line of Credit | APR**-as low as | |||

variable-rate, open-end | 5.030% | |||

**APR (Annual Percentage Rate) This is a variable rate line of credit loan based on the 6 month Treasury Bill Rate plus 3.00% margin. The annual percentage rate can change on the first day of January and July each year. The minimum payment is $50.00, rounded to the nearest $1.00. The maximum APR on Home Equity Line of Credit (HELOC) is 18.00%. After you obtain the first advance, the minimum amount of each subsequent advance is $1,000.00. | ||||

First Mortgages | APR*-as low as | |||

0-120 months | 4.250% | |||

121-180 months | 4.250% | |||

APR (Annual Percentage Rate) Minimum loan amount is $5,000 Check with credit union for rates. Loan rates are based on credit worthiness of applicants and may vary from those above. Pay $98.60 for every $10,000 borrowed at 3.50% for 120 months. Example for illustration purposes only. Consult a tax advisor regarding the deductibility of interest. (fixed-rate, no points, no application fee) | ||||

*APR (Annual Percentage Rate) | ||||

Rates subject to change without notice. Contact the credit union to confirm current rates and terms | ||||