*APY = Annual Percentage Yield. Rates accurate as of 05/12/2020. Rates subject to change without notice. Fees could reduce earnings. No minimum deposit. No minimum balance to earn dividends. Dividend rate may change after opening account.

†APY = Annual Percentage Yield. Rates effective 05/11/2022 and are subject to change without notice. $1,000.00 minimum deposit. Dividends calculated by daily balance of at least $1,000.00. No dividend will be earned in any dividend period if daily balance is below $1,000.00. Fees could reduce earnings. 

†APY = Annual Percentage Yield. Rates effective 05/11/2022 and are subject to change without notice. $1,000.00 minimum deposit. Dividends calculated by daily balance of at least $1,000.00. No dividend will be earned in any dividend period if daily balance is below $1,000.00. Fees could reduce earnings. 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

**Member may bump the certificate rate 1 time over the life of the certificate.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

**Member may bump the certificate rate 1 time over the life of the certificate.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice. Payment example:  Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice. Payment example:  Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice. Payment example:  Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice. Payment example:  Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). Lines of Credit are subject to approval. Please refer to the 'Application and Solicitation Disclosure ' and 'Consumer Credit Card Agreement and Disclosure' for further explanation.

* Changes to This Plan: We reserve the right to change any and all of the terms of this agreement. For example, we can change the type and amount of the fees we charge, the interest rate, and the minimum payment amount, as well as the other features of this plan.

**(APR) Annual Percentage Rate. Variable APR range of 7.74% - 17.25%. Foreign transaction fees apply. All loans subject to approval. Rates may vary depending on credit worthiness. Some restrictions apply.

**Other fees imposed for special services will be disclosed at the time of the request. Fees subject to change with 45-days notice.

Single Service User
Members must maintain a combined balance of $500 in a savings and/or checking accounts, or have another service product such as a club account, money market, certificate, or loan to avoid the $5 single service fee. Youth accounts regardless of balance are exempt from this fee.