Rates

Rates subject to change at any time

1 Rates are APR = Annual Percentage Rate and APY = Annual Percentage Yield

2 Auto Loans: Minimum loan amount usually $5,000. Minimum loan amount for terms greater than 63 months is $10,000. Minimum loan amount for terms greater than 75 months is $20,000. $95 processing fee. Title fees will range from $15 to $32. Car Loan Example: A fixed $10,000 loan for 36 months @ 5.79% APR is a $303.27 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member.

3 Motorcycle, RV, Boat Loans: Minimum loan amount $5,000. Minimum loan amount for terms greater than 63 months is $10,000. Minimum loan amount for terms greater than 75 months is $20,000. Add 1% to rate if mileage exceeds 50,000 on any model year. Rates, terms, and conditions subject to change without notice. $95 processing fee. Title fees range from $15 to $32. Rate applicable to new purchases or external financing only. Loan Payment Example: A fixed $10,000 loan for 60 months @ 6.79% APR is a $197.02 monthly payment with no payment protection.

4 Jet Skis, ATVs: Add 4% to above rates. Rates, terms, and conditions subject to change without notice. $95 origination fee. Boat Loan Example: A fixed $10,000 loan for 60 months @ 9.79% APR is a $211.44 monthly payment with no payment protection. 

5 HELOC (Home Equity Line of Credit): All loans subject to credit review and approval. Actual rate based on credit history, credit score, loan-to-value, and property type. Minimum credit score to receive best rate is 720. Rate for home not owner occupied or primary residence start at 1% above prime. Rates and terms vary depending on loan-to-value, property type, and credit score. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change monthly. Variable rate loans adjust on the first day of each calendar quarter. HELOC 120 or HELOC Interest Only will not exceed 18% or go below 3.00%. HELOC 10 Year Draw rate will not exceed 18% or go below 4.00%. HELOC 10 Year Draw period 10 years, 15 year amortization – 25 year mortgage. HELOC Interest Only Draw Period 5 years, 15 year amortization – 20 year mortgage. HELOC 120 Draw Period 2 years, renewable up to 4 times, 10 year amortization – 20 year mortgage. Low closing costs of $395-495 – may be waived with current loan promotions. See a loan officer for details. Minimum line of credit available $5,000.

6 Share Secured : Minimum loan amount $300. Terms 1 – 63 months. Requires matching deposit in special savings account. Savings on hold for duration of loan. Personal Loan – Secured Payment Example: A $10,000 loan for 60 months @ 5.00% APR is a $188.71 monthly payment. Subject to $5 membership fee.

7 Unsecured, Signature: Minimum payment is $100 per month, unless specifically stated otherwise for special loan promotions. Loan amount $1,500-$15,000 and terms of 1-48 months. Personal Loans – Unsecured Example: A $5,000 Fixed Signature for 24 months @ 8.99% APR is a $228.40 monthly payment.

8 Express Line of Credit: Loan amount $500-$15,000

9 Credit Builder: For credit grades C, D, and E only, or less than 639 credit score. Member adds 10% of loan amount to held funds. Proceeds on hold for duration of loan

10 Mastercard Credit Cards: Variable rates based on prime

11 Share Certificate of Deposit: A minimum balance of $500 is required on all certificates. Rates subject to change on a daily basis. Early withdrawal of certificates is subject to an interest penalty. Federal regulations prohibit the guarantee of any dividend, since payment of all dividends is based on available earnings. Ask a credit union staff member for further information about the fees and terms applicable to the accounts above. Fees and other conditions could reduce earnings.

12 BFF Perks program terms and conditions subject to change or end without notice.  BFF Perks status may change monthly as loan rate rewards will be applied the first day of the month and share certificate rate rewards will be on the last day of the quarter. Both will be based upon the prior month-end qualifying account status.  To receive BFF Perks rewards, a member must have a minimum of two qualifying accounts which may include a checking account, share certificate, credit card, personal loan, line of credit, HELOC, auto, boat, RV or motorcycle loan.  BFF Perks rewards include a 0.25% rate reduction on all auto, boat, RV or motorcycle loans and a 0.25% dividend rate bonus on share certificates.  Any checking account with a negative balance or any delinquent loan obligation as of the previous month-end may not be considered an eligible qualifying account in calculation of that month’s BFF Perks.  Other terms, conditions, limits and fees may apply; speak to a MyUSA associate for details.

13 Balances above $1,000 revert to the Regular savings rate