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Checking, Savings + Money Market Accounts | Individual Retirement Accounts | Share Certificates | Jumbo Share Certificates | Real Estate Loans | New + Used Vehicle Loans | Recreational Vehicle Loans | Personal Loans | MORE Rewards Visa

Checking, Savings + Money Market Accounts

Type	Minimum Balance	RATE	APY¹
Share Draft (Checking)²	above $5000	0.04%	0.04%
Savings²	All Savings	0.05%	0.05%
Money Market	$0 - $9999	0.30%	0.30%
	$10,000 - $49,999	0.50%	0.50%
	$50,000 - $99,999	0.80%	0.80%
	$100,000+	0.90%	0.90%
¹ APY = Annual Percentage Yield ² Fees could reduce earnings on these accounts

Individual Retirement Accounts

Type	Term	Minimum Balance	Rate	APY¹
IRA Certificate²	12 months	$1000	2.37%	2.40%
IRA Certificate²	18 months	$1000	2.47%	2.50%
IRA Certificate²	24 months	$1000	2.52%	2.55%
IRA Certificate²	36 months	$1000	2.73%	2.76%
IRA Certificate²	60 months	$1000	3.06%	3.10%
Jumbo Traditional IRA Certificate	12 months	$50,000	3.20%	3.25%
Jumbo Traditional IRA Certificate	12 months	$95,000	3.25%	3.30%
Jumbo Traditional IRA Certificate	60 months	$95,000	3.29%	3.35%
IRA	Variable Daily Rate	$0	1.00%	1.00%
¹ APY = Annual Percentage Yield ² Penalties may apply for early withdrawals

Share Certificates

Term¹	Minimum Balance	Rate	APY²
6 months	$1000	1.98%	2.00%
12 months	$1000	2.37%	2.40%
18 months	$1000	2.47%	2.50%
24 months	$1000	2.52%	2.55%
36 months	$1000	2.73%	2.76%
60 months	$1000	3.05%	3.10%
¹ penalties may apply for early withdrawals ² APY = Annual Percentage Yield

Jumbo Share Certificates

Term¹	Minimum Balance	Rate	APY²
6 months	$10,000	3.29%	3.35%
12 months	$50,000	3.20%	3.25%
12 months	$95,000	3.25%	3.30%
60 months	$95,000	3.25%	3.30%
¹ penalties may apply for early withdrawals ² APY = Annual Percentage Yield

Real Estate Loans

Fixed-Rate Mortgages²
Loan amount not to exceed $499,999	Rate	APR¹
30-Year Fixed	5.99%	6.06%
20-Year Fixed	5.75%	5.83%
15-Year Fixed	5.25%	5.36%
High Balance Fixed-Rate Mortgages³
Loan amounts of $500,000 to $1,000,000	Rate	APR
30-Year Fixed	5.99%	6.06%
20-Year Fixed	5.75%	5.83%
15-Year Fixed	5.25%	5.36%
Home Equity Line of Credit⁴
Loan amounts of $25,000 to $250,000	Rate	APR
Adjustable Rate	As low as Prime + 0%	7.50%
Fixed-Rate Second Mortgages⁵
Loan amounts of $25,000 to $250,000	Rate	APR
15-Year Fixed	6.50%	6.73%
10-Year Fixed	6.00%	6.39%
Equal Housing Lender Certified Federal Credit Union NMLS #403205 Loan approval is subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice. The APR listed is effective as of December 19, 2022 and is an example of the loan pricing offered for a particular product. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type and other factors. ¹ APR = Annual Percentage Rate ² Fixed-Rate Loans: APR calculation assumes a $250,000 loan with 80% loan to value, owner occupied, single-family residence with a credit score of 620 or above. Conforming Rates are for loans not to exceed $499,999. ³ High Balance Fixed-Rate Loans: APR calculation assumes a $500,000 loan with 80% loan to value, owner occupied, single family residence with a credit score of 620 or above. High Balance rates are for loans exceeding $500,000. ⁴ HELOC Information: Your variable interest rate will never increase or decrease by more than 2.00 percentage points each year and will never be less than 4.50% APR nor greater than 16.00% APR and will apply to the remaining principal balance. You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum periodic payment will be established at the time of each advance or change in interest rate; to the amount necessary to fully amortize your then outstanding account balance no later than 180 months from the Date of Agreement, plus any portion of the minimum payments shown on prior statement(s) which remains unpaid, subject to the lesser of $50.00 or your account balance. If your payment is more than 10 days late you will be charged $20. To maintain a line of credit, you must pay us a $75 inactivity fee FINANCE CHARGE. You will pay $400 if you cancel your Line of Credit (LOC) for any reason in the first 3 years. You must carry insurance on the property that secures this plan. Loan amounts $25,000-$100,000 up to 80% CLTV. CLTV = Combined Loan-to-Value. Rates are accurate as of December 19, 2022 ⁵ Fixed rate Second Loans: APR Calculation assumes $50,000 loan with 80% Combined loan to value, owner occupied, single family residence with a minimum FICO of 660.

New + Used Vehicle Loans

Term	Minimum Loan Balance	APR for New¹	APR for Used¹
36 months	N/A	3.99%³	3.99%³
48 months	N/A	4.99%⁴	5.49%⁵
60 months	N/A	4.99%⁶	5.49%⁷
72 Months²	$15,000	5.49%⁸	5.99%⁹
84 Months²	$25,000	5.99%¹⁰	6.49%¹¹
¹ APR = Annual Percentage Rate. Rates effective as of January 1, 2023. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice. ² Minimum loan amount for 72 months = $15,000 and 84 months is $25,000 ³ Monthly payment is $29.52 per $1,000 financed at 3.99% APR for 36 months ⁴ Monthly payment is $23.03 per $1,000 financed at 4.99% APR for 48 months ⁵ Monthly payment is $23.25 per $1,000 financed at 5.49% APR for 48 months ⁶ Monthly payment is $18.87 per $1,000 financed at 4.99% APR for 60 months ⁷ Monthly payment is $19.10 per $1,000 financed at 5.49% APR for 60 months ⁸ Monthly payment is $16.33 per $1,000 financed at 5.49% APR for 72 months ⁹ Monthly payment is $16.57 per $1,000 financed at 5.99% APR for 72 months ¹⁰ Monthly payment is $14.61 per $1,000 financed at 5.99% APR for 84 months ¹¹ Monthly payment is $14.85 per $1,000 financed at 5.49% APR for 84 months

Recreational Vehicle Loans

Type	Term	APR¹
New or Used RV (90% of purchase)	15 Years	7.75%²
New or Used RV (75% of purchase)	15 Years	7.25%³
New or Used Boat (80% of purchase)	7 Years	6.99%⁴
New Motorcycle (90% of purchase)	60 Months	6.99%⁵
Used Motorcycle (90% of purchase)	48 Months	6.49%⁶
Personal Watercraft (90% of purchase)	48 Months	10.75%⁷
¹ APR = Annual Percentage Rate. Standard rate based on Premier FICO score 750+. Certified Federal Credit Union has a managed-risk credit program and rates vary based on your individual FICO score. Rates are accurate as of October 10, 2022. ² Monthly payment is $9.42 per $1,000 financed at 7.75% APR for 180 months ³ Monthly payment is $9.13 per $1,000 financed at 7.25% APR for 180 months ⁴ Monthly payment is $15.09 per $1,000 financed at 6.99% APR for 84 months ⁵ Monthly payment is $19.80 per $1,000 financed at 6.99% APR for 60 months ⁶ Monthly payment is $23.71 per $1,000 financed at 6.49% APR for 48 months ⁷ Monthly payment is $25.73 per $1,000 financed at 10.75% APR for 48 months

Personal Loans

Type	Term	Maximum Amount	APR¹
Signature Loan	48 months	$50,000	As low as 8.90%²
Share-Secured Loan	60 months	Balance of Savings	4.95%³
Uniform/Union Dues Loan	$10/Week	$250	17.90%
PayDay Loan	1-12 months	$200 - $2,000	27.90%
¹APR = Annual Percentage Rate. Certified Federal Credit Union has a managed-risk credit program and rates vary based on your individual FICO score, except for Share-Secured Loans. ² Monthly payment is $24.84 per $1,000 financed at 8.90% APR for 48 months, ³ Monthly payment is $108.33 or $18.85 per $1,000 financed at 4.95% APR for 60 months, whichever is greater.

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