Rates .................................................................................

SHARE RATES CERTIFICATE RATES LOAN RATES

Effective as of: 1/1/2023

New Autos-as low as	Tier 1 710	Tier 2 680-709	Tier 3 660-679	Tier 4 620-659
Up to 48 months	4.49%*	5.19%*	6.39%*	7.49%*
49-60 months	4.89%*	5.49%*	6.79%*	7.89%*
61-72 months	5.29%*	6.29%*	7.29%*	8.79%*
Used Autos-as low as	710	680-709	660-679	620-659
2022-20 -Up to 60 months	4.99%*	5.79%*	6.89%*	7.99%*
2022-20 - 61-72 months	5.69%*	6.49%*	7.49%*	8.89%*
2019-18 - Up to 66 months	6.09%*	6.99%*	7.99%*	9.29%*
2017-16 - Up to 54 months	6.49%*	7.19%*	8.49%*	9.49%*
2015-14 - Up to 48 months	6.99%*	7.49%*	8.79%*	9.99%*
13 or older - Up to 36 months	7.49%*	7.99%*	9.39%*	10.49%*
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				6.625%
61 - 90 months				6.875%
91 - 120 months				7.125%
*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				6.600%
**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				5.950%
121-180 months				6.000%
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

Calculators .................................................................................

The calculators are for limited informational purposes only.

Financial decisions should not be made based solely on the results from these calculators.
Always consult with your accountant or other professional advisors when making
such decisions.

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