Rates

Auto Loans

Term	Interest Rates as Low As†	Monthly Payment per $1000	Financed
0-24 Months	4.75% APR	$43.77	New (Non Real Estate)
25-36 Months	5.00% APR	$29.98	New (Non Real Estate)
37-48 Months	5.25% APR	$23.15	New (Non Real Estate)
49-60 Months	5.50% APR	$19.11	New (Non Real Estate)
61-72 Months	5.75% APR	$16.46	New (Non Real Estate)
73-84 Months	6.00% APR	$14.62	New (Non Real Estate)
85-96 Months	6.50% APR	$13.39	New (Non Real Estate)

† Loan rates are dependent on the following: Member has direct deposit in share draft account | Member agrees to auto-pay

APR Subject to the following: Credit Approval | Membership Eligibility Required | Not all applicants will qualify for the lowest rate.

Recreation and Other Secured Loans

Term	Interest Rates as Low As†	Monthly Payment per $1000	Financed
0-24 Months	6.00% APR	$44.33	New (Non Real Estate)
25-36 Months	6.25% APR	$30.54	New (Non Real Estate)
37-48 Months	6.50% APR	$23.72	New (Non Real Estate)
49-60 Months	6.75% APR	$19.69	New (Non Real Estate)
61-72 Months	7.00% APR	$17.06	New (Non Real Estate)
73-84 Months	7.25% APR	$15.22	New (Non Real Estate)
85-96 Months	7.75% APR	$13.89	New (Non Real Estate)

† Loan rates are dependent on the following: Member has direct deposit in share draft account | Member agrees to auto-pay

APR Subject to the following: Credit Approval | Membership Eligibility Required | Not all applicants will qualify for the lowest rate.

Personal Loan

Type	Interest Rates As Low As
Signature Loan	8.95% APR
Share Secured	3% above current Basic Savings Rate
Share Certificate Secured	2% above earning Share Certificate Rate

APR Subject to the following: Credit Approval | Membership Eligibility Required | Not all applicants will qualify for the lowest rate.

Spend Better

Free checking account that pays 2% cash back on qualifying debit card purchases up to $300. Maximum $6 cash back per qualification cycle.*

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Spend Better account during each Monthly Qualification Cycle: 12 debit card transactions to post to and settle to the account | 1 ACH credit (like a direct deposit) | Enroll in an e-statement

Earn Better

Balance	Dividend Rates*	APY
Balances up to $20,000	4.07%	4.15%

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Earn Better account during each Monthly Qualification Cycle: 12 debit card transactions to post to and settle to the account | 1 ACH credit (like a direct deposit) | Enroll in an e-statement.

*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.

Max Money Account

Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
$0 - $2,499 (Service Fee $8)	1.01%	1.01%
$2,500 - $4,999	1.14%	1.15%
$5,000 - $19,999	1.24%	1.25%
$20,000+	1.34%	1.35%

Personal Savings

Account	Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
Basic Savings	$200	0.50%	0.50%
Youth Savings Age 17 & under (Kidz Saver)	$25	0.75%	0.75%
Club Accounts Limited Access (Santa Saver, Vacation Club)	$25	0.75%	0.75%
Traditional Individual Retirement Account (IRA)	$200	1.24%	1.25%
ROTH IRA	$200	1.24%	1.25%

For Vacation Savers accounts, the entire balance will be transferred to another account of yours on or after April 1 and the account will remain open. For Santa Savers accounts, the entire balance will be transferred to another account of yours on or after October 1 and the account will remain open. Early withdrawals from either account will be subject to a $15 early withdrawal fee.

Save Better

Balance	Dividends Rates*	APY
Balances up to $50,000	1.99%	2.01%

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Save Better account during each Monthly Qualification Cycle: 12 debit card transactions to post to and settle to the account | 1 ACH credit (like a direct deposit) | Enroll in an e-statement.

IRA Certificate

Term	Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
12 Months	$1,000	3.45%	3.50%
15 Months - Special	$1,000	4.07%	4.15%
18 Months	$1,000	3.93%	4.00%
24 Months	$1,000	4.03%	4.10%
36 Months	$1,000	4.12%	4.20%
48 Months	$1,000	4.23%	4.30%
60 Months	$1,000	4.31%	4.40%

Penalty for early withdrawal.

Regular Certificate

Term	Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
6 Months	$1,000	2.96%	3.00%
12 Months	$1,000	3.45%	3.50%
15 Months - Special	$1,000	4.07%	4.15%
18 Months	$1,000	3.93%	4.00%
24 Months	$1,000	4.03%	4.10%
36 Months	$1,000	4.12%	4.20%
48 Months	$1,000	4.22%	4.30%
60 Months	$1,000	4.31%	4.40%

Penalty for early withdrawal.

Jumbo Certificate

Term	Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
6 Months	$50,000	2.96%	3.00%
12 Months	$50,000	3.45%	3.50%
15 Months - Special	$50,000	4.07%	4.15%
18 Months	$50,000	3.93%	4.00%
24 Months	$50,000	4.03%	4.10%
36 Months	$50,000	4.12%	4.20%
48 Months	$50,000	4.22%	4.30%
60 Months	$50,000	4.31%	4.40%

Penalty for early withdrawal.

Business Checking Plus

Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
$0 - $2,499	0.00%	0.00%
$2,500 - $9,999	0.50%	0.50%
$10,000 - $24,999	0.54%	0.54%
$25,000 - $49,999	0.58%	0.58%
$50,000+	0.62%	0.62%

$12 Monthly Service Fee if Balance falls below $2,500.00

Business Max Money Account

Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
$0 - $9,999	1.01%	1.01%
$10,000 - $49,999	1.14%	1.15%
$50,000 - $99,999	1.24%	1.25%
$100,000 - $249,999	1.34%	1.35%
$250,000+	1.44%	1.45%

$12 Monthly Service Fee if Balance falls below 4,000.000.

Business Savings

Account	Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
Basic Savings	$200	0.50%	0.50%
Special A Shares	$200	0.50%	0.50%
Special B Shares	$200	0.50%	0.50%
Special C Shares	$200	0.50%	0.50%

Business Share Certificate

Term	Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
6 Months	$1,000	2.96%	3.00%
12 Months	$1,000	3.45%	3.50%
15 Months - Special	$1,000	4.07%	4.15%
18 Months	$1,000	3.93%	4.00%
24 Months	$1,000	4.03%	4.10%
36 Months	$1,000	4.12%	4.20%
48 Months	$1,000	4.22%	4.30%
60 Months	$1,000	4.31%	4.40%

Penalty for early withdrawal

Business Jumbo Certificate

Term	Minimum Balance Required to Earn Dividends	Dividends Rates*	APY
6 Months	$50,000	2.96%	3.00%
12 Months	$50,000	3.45%	3.50%
15 Months - Special	$50,000	4.07%	4.15%
18 Months	$50,000	3.93%	4.00%
24 Months	$50,000	4.03%	4.10%
36 Months	$50,000	4.12%	4.20%
48 Months	$50,000	4.22%	4.30%
60 Months	$50,000	4.31%	4.40%

Penalty for early withdrawal

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 21, 2022. Fees may reduce earnings.
Terms and dividends rates are subject to change without notice.