VEHICLE LOANS REAL ESTATE LOANS VISA® PERSONAL LOANS SHARE PRODUCTS

AUTO LOANS

EFFECTIVE DATE: July 2, 2015

Loan TypeTermVariable** Rate APR*Member Benefits Variable** Rate APR*****Fixed Rate APR*Member Benefits Fixed Rate APR*****
New AutoUp to 60 months Up to 125% of Retail Value1.450% – 8.240%0.700% – 7.490%1.700%- 8.490%0.950% – 7.740%
Up to 72 months Up to 125% of Retail Value2.450% – 8.450%1.700% – 7.700%2.700% – 8.700%1.950% – 7.950%
Up to 84 months ($25,000 or more) Up to 125% of Retail Value2.990% – 8.990%2.240% – 8.240%3.240% – 9.240%2.490% – 8.490%
Used Auto / Classic AutoUp to 60 months*** Up to 125% of Retail Value1.450% – 8.240%0.700% – 7.490%1.700% – 8.490%0.950% – 7.740%
Up to 72 months Up to 125% of Retail Value2.450% – 8.450%1.700% – 7.700%2.700% – 8.700%1.950% – 7.950%
Up to 84 months ($25,000 or more) Up to 125% of Retail Value2.990% – 8.990%2.240% – 8.240%3.240% – 9.240%2.490% – 8.490%
POLEASE24, 36, 48 or 60 months Up to 100% of Retail ValueN/AN/A5.500% – 12.500%4.750% – 11.750%

125% financing of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit. All Rates and Terms are subject to change without notice. *APR = Annual Percentage Rate. **Rates may increase or decrease during the term of the loan. Payment Examples (Rate effective 7/2/15): New Auto Loan: A 5 year loan at 1.70% fixed APR will have 60 monthly payments of $17.40 per $1,000 borrowed. ***Loan amounts to $5,999 – up to 48 months. ****Does not apply to inhouse refinances. Rates as low as 0.95% fixed APR for up to 60 months on new and used auto loans. Actual APR offered may be higher depending upon applicant’s credit rating and other underwriting factors (Member must apply online, participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to Member Benefits for complete details. May not be used to refinance an existing LAPFCU vehicle loan or to finance a recreational vehicle. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.

MOTORCYCLE LOANS

EFFECTIVE DATE: July 2, 2015

Loan TypeTermVariable** Rate APR*Member Benefits Variable ** Rate APR*****Fixed Rate APR*Member Benefits Fixed Rate APR*****
New MotorcycleUp to 60 months Up to 100% of Retail Value2.740% – 9.740%1.990% – 8.990%2.990% – 9.990%2.240% – 9.240%
61 to 72 months Up to 100% of Retail Value5.450% – 11.450%4.700% – 10.700%5.700% – 11.700%4.950% – 10.950%
73 to 84 months (Financed Amount $25,000 or more) Up to 100% of Retail Value6.075% – 12.075%5.325% – 11.325%6.325% – 12.325%5.575% – 11.575%
Used MotorcycleUp to 60 months*** Up to 100% of Retail Value ($6,000 to $24,999)3.240% – 10.240%2.490% -9.490%3.490% – 10.490%2.740% – 9.740%
61 to 72 months Up to 100% of Retail Value ($6,000 to $24,999)5.990% – 11.990%5.240% – 11.240%6.240% – 12.240%5.490% – 11.490%
73 to 84 months (Financed Amount $25,000 or more) Up to 100% of Retail Value6.850% – 12.850%6.100% – 12.100%7.100% – 13.100%6.350% – 12.350%

100% financing of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit. ***Loan amounts to $5,999 – up to 48 months. All Rates and Terms are subject to change without notice. *APR = Annual Percentage Rate. **Variable rates may increase or decrease during the term of the loan. Payment Example (Rate effective 7/2/15) New Motorcycle Loan: A 5 year loan with 2.99% fixed APR will have 60 monthly payments of $17.97 per $1,000 borrowed. *****APR reductions include 0.25% online loan application discount, and 0.50% automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, share certificate loans, and stock & bond loans. Program rate reductions may not be combined with any other promotion.

Boat & Watercraft Loans

EFFECTIVE DATE: July 2, 2015

Loan TypeTermVariable** Rate APR*Member Benefits Variable ** Rate APR*****Fixed Rate APR*Member Benefits Fixed Rate APR*****
New Boat & WatercraftUp to 84 months Up to 100% of Retail Value3.250% – 10.250%2.500% – 9.500%3.500% – 10.500%2.750% – 9.750%
85 to 144 months (Financed Amount $30,000 or more) Up to 100% of Retail Value5.740% – 11.740%4.990% – 10.990%5.990% – 11.990%5.240% – 11.240%
145 to 240 months (Financed Amount $50,000 or more and must have sleeping accommodations, built-in cooking equipment and toilet facilities with holding tank) Up to 100% of Retail Value8.980% – 14.980%8.230% – 14.230%9.230% – 15.230%8.480% – 14.480%
Used Boat & WatercraftUp to 84 months Up to 100% of Retail Value3.740% – 10.740%2.990% -9.990%3.990% – 10.990%3.240% – 10.240%
85 to 144 months (Financed Amount $30,000 or more) Up to 100% of Retail Value6.125% – 12.125%5.375% – 11.375%6.375% – 12.375%5.625% – 11.625%
145 to 240 months (Financed Amount $50,000 or more and must have sleeping accommodations, built-in cooking equipment and toilet facilities with holding tank) Up to 100% of Retail Value9.490% – 15.490%8.740% – 14.740%9.740% – 15.740%8.990% – 14.990

 

100% financing of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit. All Rates and Terms are subject to change without notice. *APR = Annual Percentage Rate. **Variable rates may increase or decrease during the term of the loan. Payment Example (Rate effective 7/2/15): New boat/watercraft loan: A 7 year loan at 4.500% fixed APR will have 84 monthly payments of $13.45 per $1,000 borrowed. *****APR reductions include 0.25% online loan application discount, and 0.50% automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, share certificate loans, and stock & bond loans. Program rate reductions may not be combined with any other promotion.

Motor Home Loans and Travel Trailers

EFFECTIVE DATE: July 2, 2015

Loan TypeTermVariable** Rate APR*Member Benefits Variable ** Rate APR*****Fixed Rate APR*Member Benefits Fixed Rate APR*****
NEW MOTORHOMES / TRAVEL TRAILERSUp to 84 months Up to 100% of Retail Value3.240% – 10.240%2.490% – 9.490%3.490% – 10.490%2.740% – 9.740%
85 to 144 months (Financed Amount $30,000 or more) Up to 100% of Retail Value5.740% – 11.740%4.990% – 10.9905.990 – 11.990%5.240% – 11.240%
145 to 240 months (Financed Amount $50,000 or more) Up to 100% of Retail Value8.500% – 14.500%7.750% – 13.750%8.750% – 14.750%8.000% – 14.000%
USED MOTORHOMES / TRAVEL TRAILERSUp to 84 months Up to 100% of Retail Value3.740% – 10.740%2.990% – 9.990%3.990% – 10.990%3.240% – 10.240%
85 to 144 months (Financed Amount $30,000 or more) Up to 100% of Retail Value5.740% – 11.740%4.990% – 10.990%5.990% – 11.990%5.240% – 11.240%
145 to 240 months (Financed Amount $50,000 or more) Up to 100% of Retail Value9.750% – 15.750%9.000% – 15.000%10.000% – 16.000%9.250% – 15.250%

100% financing of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit. All Rates and Terms are subject to change without notice. *APR = Annual Percentage Rate. **Variable rates may increase or decrease during the term of the loan. Payment Example (Rate effective 7/2/15) New motor home/travel trailer: A 7 year loan at 3.240% fixed APR will have 84 monthly payments of $13.33 per $1,000 borrowed.*****APR reductions include 0.25% online loan application discount, and 0.50% automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, share certificate loans, and stock & bond loans. Program rate reductions may not be combined with any other promotion.

Aircraft Loans

EFFECTIVE DATE: July 2, 2015

Loan TypeTermVariable** Rate APR*Member Benefits Variable** Rate APR*****Fixed Rate APR*Member Benefits Fixed Rate APR*****
New AircraftUp to 84 months Up to 100% of Retail Value7.750% – 14.750%7.000% – 14.000%8.000% – 15.000%7.250% – 14.250%
85 to 144 months (Financed Amount $30,000 or more) Up to 100% of Retail Value8.850% – 14.850%8.100% – 14.100%9.100% – 15.100%8.350% – 14.350%
Used AircraftUp to 84 months Up to 100% of Retail Value8.250% – 15.250%7.500% – 14.500%8.500% – 15.500%7.750% – 14.750%
85 to 144 months (Financed Amount $30,000 or more) Up to 100% of Retail Value9.500% – 15.500%8.750% – 14.750%9.750% – 15.750%9.000% – 15.000%

100% financing of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit. All Rates and Terms are subject to change without notice. *APR = Annual Percentage Rate. **Variable rates may increase or decrease during the term of the loan. Payment Example (Rate effective 7/2/15): New aircraft loan: A 7 year loan with 8.000% fixed APR will have 84monthly payments of $15.59 per thousand borrowed.*****APR reductions include 0.25% online loan application discount, and 0.50% automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, share certificate loans, and stock & bond loans. Program rate reductions may not be combined with any other promotion.

VEHICLE LOANS REAL ESTATE LOANS VISA® PERSONAL LOANS SHARE PRODUCTS

MORTGAGE LOANS (First Trust Deeds)

HOME EQUITY LOANS

EFFECTIVE DATE: July 2, 2015

Fixed Rate APR*
Fixed Rate Equity LoanUp to 80%** Loan to Value
Up to 84 months4.500%
85 – 120 months4.750%
121 – 180 months5.000%
181 – 240 months5.125%

 

*APR = Annual Percentage Rate. Minimum loan amount $5000. **LTV’s above 70% must be owner occupied. Maximum term on non-owner occupied properties is 15 years. Loans available on 1-4 family dwellings. Equity Home Loans are available for properties located in California, Arizona, Colorado, Idaho, Montana, Nevada, Oregon and Utah. Payment Example (Rate effective 7/2/15): A $35,000 loan with 4.50% fixed APR for 84 months would cost $13.90 per $1,000 borrowed. All loans are subject to creditworthiness. All Rates and Terms are subject to change without notice.

HOME EQUITY LINE OF CREDIT

EFFECTIVE DATE: July 2, 2015

Variable APR** Home Equity Line of Credit (HELOC)
4.25%Up to 80% Loan to Value
Minimum Line $5,000

 

*APR = Annual Percentage Rate. **Variable rates may increase or decrease during the term of the agreement. Property hazard insurance is required. APR cap is 16%. All loans are subject to creditworthiness. Home Equity Line of Credit only available for owner occupied properties located in California. All Rates and Terms are subject to change without notice.

VEHICLE LOANS REAL ESTATE LOANS VISA® PERSONAL LOANS SHARE PRODUCTS

MY FIRST VISA®

EFFECTIVE DATE: July 2, 2015

Interest Rates and Interest Charges
Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances0.00% introductory APR for six months. After that, your non-variable APR will be between 12.99% and 17.90%, based on your creditworthiness.
Penalty APR and when it applies17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases and Balance TransfersYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual FeeNone
Balance TransfersNone
Transaction Fees – Cash AdvanceEither $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00).
Transaction Fees – Foreign Transactions1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars
Penalty Fees – Late PaymentUp to $15.00
Penalty Fees – Returned PaymentUp to $25.00

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

The information is accurate as of 7/2/15 and is subject to change. Please contact LAPFCU for any changes since this date at 877-MY-LAPFCU (877-695-2732), or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.

CLASSIC VISA®

EFFECTIVE DATE: July 2, 2015

Interest Rates and Interest Charges
Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances0.00% introductory APR for six months. After that, your non-variable APR will be between 12.99% and 17.90%, based on your creditworthiness.
Penalty APR and when it applies17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases and Balance TransfersYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual FeeNone
Balance TransfersNone
Transaction Fees – Cash AdvanceEither $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00).
Transaction Fees – Foreign Transactions1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars
Penalty Fees – Late PaymentUp to $15.00
Penalty Fees – Returned PaymentUp to $25.00

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

The information is accurate as of 7/2/15 and is subject to change. Please contact LAPFCU for any changes since this date at 877-MY-LAPFCU (877-695-2732), or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.

PLATINUM REWARDS VISA®

EFFECTIVE DATE: July 2, 2015

Interest Rates and Interest Charges
Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances0.00% introductory APR for six months. After that, your variable APR rate* will be between 8.15% and 17.90%, based on my creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and when it applies17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases and Balance TransfersYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual FeeNone
Balance TransfersNone
Transaction Fees – Cash AdvanceEither $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00).
Transaction Fees – Foreign Transactions1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars
Penalty Fees – Late PaymentUp to $15.00
Penalty Fees – Returned PaymentUp to $25.00
Platinum Reward Program
Airline Mileage and Merchandise$1.00 = 1 point. Points have no expiration.

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

The information is accurate as of 7/2/15 and is subject to change. Please contact LAPFCU for any changes since this date at 877-MY-LAPFCU (877-695-2732), or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.

VEHICLE LOANS REAL ESTATE LOANS VISA® PERSONAL LOANS SHARE PRODUCTS

FREEDOM LOAN

EFFECTIVE DATE: July 2, 2015

Freedom Loan – Fixed Closed End Loan

Fixed Rate APR* CashMember Benefits Fixed Rate APR*****
$500 to $5,000 (48 month term)9.650% – 16.910%8.900% – 16.160%
$5,001 to $25,000 (60 month term)10.650% – 16.910%9.900% – 16.160%

 

Unsecured personal loan rates are subject to creditworthiness, ranging from low to high shown. All Rates and Terms are subject to change without notice. *APR = Annual Percentage Rate. Payment Example (Rate effective 7/2/15): Closed End Freedom Loan: A 3 year loan at 10.15% fixed APR will have 36 monthly payments of $32.33 per $1,000 borrowed. All loans are subject to creditworthiness. *****APR Reductions of up to 0.50% APR reductions include 0.25% online loan application discount, and 0.50% automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details.Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, share certificate loans, and stock & bond loans. Program rate reductions may not be combined with any other promotion.

PERSONAL LINE OF CREDIT

EFFECTIVE DATE: July 2, 2015

TypeVariable** Rate APR*Fixed Rate APR*
Personal Unsecured Line of Credit
APR*9.990% – 15.990%11.900% – 17.900%
Payment Amount2.6% of Balance2.6% of Balance

 

All Rates and Terms are subject to change without notice. *APR = Annual Percentage Rate. **Variable rates may increase or decrease during the term of the loan. Payment Example (Rate effective 7/2/15): A 4 year loan at 9.99% fixed APR will have 47 monthly payments of $25.35 per $1,000 borrowed. All loans are subject to creditworthiness. *****APR Reductions of up to 0.50% APR reductions include 0.25% online loan application discount, and 0.50% automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details.Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, share certificate loans, and stock & bond loans. Program rate reductions may not be combined with any other promotion.

SHARE & CERTIFICATE SECURED LOANS
EFFECTIVE DATE: July 2, 2015

Fixed Rate APR*
Share Secured Loan
Up to 36 Months**2.50%
37-60 Months**3.00%
LAPFCU Share Certificate Secured Loan***
Rate2.00% above the dividend rate being paid on the LAPFCU Share Certificate
Amortized Loan TermUp to the Certificate Maturity Date

 

For more information, please contact us at 877-MY-LAPFCU (877-695-2732)

All Rates and Terms are subject to change without notice. Share Secured Loan Rates reflect 0.25% discount for automatic or payroll deducted payments. *APR = Annual Percentage Rate. ** Payment example (Rate effective 7/2/15): Share secured loan: A 3 year loan at 2.50% fixed APR would have 36 monthly payments of $28.86 per $1,000 borrowed.

EFFECTIVE DATE: July 2, 2015

Variable** Rate APR*Fixed Rate APR*
New Mobile Home LoansUp to 120 months Up to 80% of Retail Value10.250%10.500%
121 to 180 months (Financed Amount $30,000 or more) Up to 80% of Retail Value10.750%11.000%
Used Mobile Home LoansUp to 120 months Up to 80% of Wholesale Value10.500%10.750%
121 to 144 months (Financed Amount $30,000 or more) Up to 80% of Wholesale Value12.000%12.250%

 

95% of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit. Owner occupied only. New and used mobile home rates reflect 1/4% discount for automatic or payroll deducted payments. All Rates and Terms are subject to change without notice. *APR = Annual Percentage Rate. **Variable rates may increase or decrease during the term of the loan. ***Private Mortgage Insurance required when Loan-To-Value ratio exceeds 80%. Payment Example (Rate effective 7/2/15): New Mobile Home: A 15 year loan at 11.00% fixed APR would require 180 monthly payments of $11.37 per $1,000 borrowed.

VEHICLE LOANS REAL ESTATE LOANS VISA® PERSONAL LOANS SHARE PRODUCTS

SHARE CHECKING AND MONEY MARKET
EFFECTIVE DATE: July 2, 2015

SHARED PRODUCTS

Account TypeMinimum BalanceDividend RateAPY*
Regular Shares$5 to open0.05%0.05%
Merry Money$00.05%0.05%
Vacation Vault$00.05%0.05%
IRA Share$50.05%0.05%
E-Benefit$25NoneNone
Free Checking with Direct Deposit$25NoneNone
Performance Checking$250.50%**0.50%**
Money Market***< $2,5000.05%0.05%
Money Market***$2,500-$9,9990.06%0.06%
Money Market***$10,000-$24,9990.08%0.08%
Money Market***$25,000-$49,9990.12%0.12%
Money Market***$50,000-$99,9990.15%0.15%
Money Market***$100,000+0.20%0.20%

*APY (Annual Percentage Yield). **Each cycle the minimum requirements are met, 0.50% AnnualPercentage Yield (APY) will be paid on balances between one penny and $25,000, as well as 0.05% APY paid on all amounts above $25,000. **Rates as of July 2, 2015. No minimum balance required, however you must deposit a minimum of $25 to open the account. If you do not meet the requirements per qualification cycle, your account will not earn dividends. ***Money Market account rates last updated 7/2/15. Money Market accounts provide the opportunity to earn higher dividends when the daily ending balance is $2500 or more. Dividends on Money Market Accounts are calculated daily. For each day the daily ending balance is $2500 or more, the prospective Dividend Rate set forth above will be used to calculate dividends on the ending balance for that day. On any day the daily ending balance drops below $2500, the Regular Share Dividend Rate will be used to calculate dividends on the ending balance for that day.

The payment of dividends is governed by our Regulatory Agency, the National Credit Union Administration (NCUA). For all accounts except Term Share Certificates, dividends are paid monthly from the Credit Union’s current income and available earnings, after the Credit Union has made any required Regulatory transfer (if applicable) to the Credit Union’s reserve account. Whenever necessary, transfers to reserve accounts are made to ensure the continued financial stability and soundness of the Credit Union. Fees or other conditions could reduce earnings on any of the listed accounts. For all Share, Checking and Money Market Accounts, the prospective Dividend Rate and prospective APY are set forth above. The Dividend Rates and APY on Regular Shares, Checking and Money Market Accounts are subject to change at any time, as determined by the Credit Union’s Board of Directors.

All Rates and Terms are subject to change without notice.

TERM SHARE CERTIFICATES
EFFECTIVE DATE: July 2, 2015

TermDividend RateAPY*…..Member Benefits Dividend Rate**Member Benefits APY**
REGULAR SHARE CERTIFICATES – Minimum $500 – $49,999 Member Benefits Dividend Rate
3 months (90 – 179 days)0.10%0.10%0.35%0.35%
6 months (180 – 364 days)0.35%0.35%0.60%0.60%
1 year (365 – 729 days)0.45%0.45%0.70%0.70%
2 years (730 – 1094 days)0.75%0.75%1.00%1.00%
3 years (1095 – 1459 days)0.94%0.94%1.19%1.20%
4 years (1460 – 1824 days)1.08%1.09%1.33%1.34%
5 years (1825 – 2189 days)1.62%1.63%1.87%1.89%
REGULAR JUMBO CERTIFICATES – Minimum $50,000 – $99,999 Member Benefits Dividend Rate
3 months (90 – 179 days)0.13%0.13%0.38%0.38%
6 months (180 – 364 days)0.40%0.40%0.65%0.65%
1 year (365 – 729 days)0.65%0.65%0.90%0.90%
2 years (730 – 1094 days)0.89%0.89%1.14%1.15%
3 years0.36% (1095 – 1459 days)1.04%1.04%1.29%1.30%
4 years (1460 – 1824 days)1.13%1.14%1.38%1.39%
5 years (1825 – 2189 days)1.65%1.66%1.90%1.92%
SUPER JUMBO SHARE CERTIFICATES – Minimum $100,000 and above Member Benefits Dividend Rate
3 months (90 – 179 days)0.15%0.15%0.40%0.40%
6 months (180 – 364 days)0.45%0.45%0.70%0.70%
1 year (365 – 729 days)0.67%0.67%0.92%0.92%
2 years (730 – 1094 days)0.95%0.95%1.20%1.21%
3 years (1095 – 1459 days)1.09%1.10%1.34%1.35%
4 years (1460 – 1824 days)1.18%1.19%1.43%1.44%
5 years (1825 – 2189 days)1.68%1.69%1.93%1.95%

**APY = Annual Percentage Yield. Minimum balance required to earn disclosed APY:

  • Share Certificate – $500.00
  • Share Jumbo Certificate – $50,000.00
  • Share Super Jumbo Certificate – $100,000.00
  • A penalty may be imposed for early withdrawal.

The Dividend Rate and APY for each Term Share Certificate Account (Regular, Jumbo and Super Jumbo) are set forth above. The Dividend Rate and APY on all Term Share Certificates are subject to change at any time, as determined by the Credit Union’s Board of Directors. If a Term Share Certificate Account were opened, the applicable Dividend Rate and APY set forth above would be paid for the length of the term listed for such account.

All Rates and Terms are subject to change without notice.

**Rate bonus is applicable for new and renewing Share Certificates. Any rate bonus received will remain in effect for the term of the certificate. Program Rate bonus may not be combined with any other promotion. If You qualify for Member Benefits upon certificate renewal, rate bonus will automatically be applied.

YOUTH TERM SHARE CERTIFICATES

EFFECTIVE DATE: July 2, 2015

Youth Share CertificatesDividend Rate APY*
6 months (180 – 364 days)0.35%0.35%
1 year (365 – 729 days)0.45%0.45%

*APY = Annual Percentage Yield. Minimum balance required to earn disclosed APY: Youth Term Share Certificate – $100.00 minimum to open. A penalty may be imposed for early withdrawal.

The Dividend Rate and APY for each Youth Share Certificate Account are set forth above. The Dividend Rate and APY on all Term Share Certificates are subject to change at any time, as determined by the Credit Union’s Board of Directors. If a Term Share Certificate Account were opened, the applicable Dividend Rate and APY set forth above would be paid for the length of the term listed for such account.

All Rates and Terms are subject to change without notice.

IRA TERM CERTIFICATES
EFFECTIVE DATE: July 2, 2015

TermDividend RateAPY*Member Benefits Dividend RateMember Benefits APY**
REGULAR IRA CERTIFICATES – Minimum $500 – $49,999 Member Benefits Dividend Rate
6 months (180 – 364 days)0.35%0.35%0.60%0.60%
1 year (365 – 729 days)0.65%0.65%0.90%0.90%
2 years (730 – 1094 days)0.80%0.80%1.05%1.06%
3 years (1095 – 1459 days)1.08%1.09%1.33%1.34%
4 years (1460 – 1824 days)1.14%1.15%1.39%1.40%
5 years (1825 – 2189 days)1.62%1.63%1.87%1.89%
JUMBO IRA CERTIFICATES – Minimum $50,000 – $99,999 Member Benefits Dividend Rate
6 months (180 – 364 days)0.40%0.40%0.65%0.65%
1 year (365 – 729 days)0.67%0.67%0.92%0.92%
2 years (730 – 1094 days)0.85%0.85%1.10%1.11%
3 years (1095 – 1459 days)1.10%1.11%1.35%1.36%
4 years (1460 – 1824 days)1.15%1.16%1.40%1.41%
5 years (1825 – 2189 days)1.65%1.66%1.90%1.92%
SUPER JUMBO IRA CERTIFICATES – Minimum $100,000 and above Member Benefits Dividend Rate
6 months (180 – 364 days)0.45%0.45%0.70%0.70%
1 year (365 – 729 days)0.70%0.70%0.95%0.95%
2 years (730 – 1094 days)0.92%0.92%1.17%1.18%
3 years (1095 – 1459 days)1.12%1.13%1.37%1.38%
4 years (1460 – 1824 days)1.18%1.19%1.43%1.44%
5 years (1825 – 2189 days)1.68%1.69%1.93%1.95%

A penalty may be imposed for early withdrawal.

The Dividend Rate and APY for each IRA Share Certificate Account are set forth above. The Dividend Rate and APY on all IRA Term Share Certificates are subject to change at any time, as determined by the Credit Union’s Board of Directors. If an IRA Term Share Certificate Account were opened, the applicable Divided Rate and APY set forth above would be paid for the length of the term listed for such account.

**Member Benefits rate bonus is applicable for new and renewing IRA Certificates. Any rate bonus received will remain in effect for the term of the certificate. Program Rate bonus may not be combined with any other promotion. If You qualify for Member Benefits upon certificate renewal, rate bonus will automatically be applied.

ALL RATES AND TERMS SUBJECT TO CHANGE WITHOUT NOTICE

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