Rates

Type	Term	Daily Periodic Rate	APR
New and Used Automobiles	Up to 84 Months	0.0137% - 0.0493%	5.49% - 18.00%

Type	Term	Daily Periodic Rate	APR
Short Term Small Dollar Loans	3 Months	0.0767%	28.00%
Unsecured Loans	Up to 60 Months	0.0245% - 0.0493%	8.95% - 18.00%

Type	Term	Daily Periodic Rate	APR
Motorcycles, RV's, Equipment,and Boats	Up to 120 Months	0.0137% - 0.0493%	4.99% - 18.00%

Loan Type	APR
Share Savings Secured	3% above Share Savings rate
Share Certificate Secured	3% above Share Certificate rate

Loan Type	APR
Home Equity Line of Credit	Call Credit Union for current rates

Share Savings Account

Account	Minimum Deposit To Open	Minimum Daily Balance Required to Earn Dividends	Rate	APY
Share Savings	$25	$100	0.050%	0.05%

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of 4/14/2023. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
APY = Annual Percentage Yield

Everything “Teen” Checking

Account	Minimum Deposit To Open	Minimum Balance Required to Earn Dividends	Rate	APY
Everything Teen Checking	$0.00	$0.00 - $1000.00	1.72%	1.73%
		$1000.01 or more	0.10%	0.10%-1.73%

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of 5/17/2023. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
APY = Annual Percentage Yield

Club Accounts

Account	Rate	APY
Christmas Club	0.100%	0.10%
Vacation Club	0.100%	0.10%

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of 4/14/2023. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
APY = Annual Percentage Yield

PERKS Checking

Account Balances	Rate	APY
$0.00 to $10,000	4.890%	5.00%
$10,001 and Over	0.10%	0.10% - 5.00%

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of 4/14/2023. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
APY = Annual Percentage Yield

IRA Shares

Account	Minimum Deposit To Open	Average Daily Balance Required to Earn Dividends	Rate	APY
IRA Shares	$100	$100	0.499%	0.50%

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of 4/14/2023. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
APY = Annual Percentage Yield

Maggie’s Youth Savers Club

Minimum Deposit To Open	Minimum Daily Balance Required to Earn Dividends	Rate	APY
$5.00	$0.00 - $500.00	3.445%	3.50%
$5.00	$500.01 and over	0.200%	0.20%-3.50%

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of 5/17/2023. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
APY = Annual Percentage Yield

Money Market Account

Minimum Deposit To Open	Average Daily Balance Required to Earn Dividends	Rate	APY
$2,500	$2,500 - $19,999.99	0.150%	0.15%
$2,500	$20,000 - $499,999.99	0.300%	0.30%
$2,500	$500,000+	0.400%	0.40%

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective 4/14/2023. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
APY = Annual Percentage Yield

Card Type	Daily Rate	APR
Visa Platinum	Call Credit Union for Current Rates	Call Credit Union for Current Rates
Visa Classic	0.04931%	18.00%
Share Secured Visa	0.04931%	18.00%

Auto Loans

Signature Loans

Recreational Vehicle Loans

Share or Certificate Secured Loans

Home Equity Line of Credit