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New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: 01/19/2023
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 72 months	5.00% APR	$16.11
73 - 84 months	5.25% APR	$14.26
85 - 96 months	5.50% APR	$12.90
97 - 108 months	6.00% APR	$12.01
109 - 120 months	7.00% APR	$11.61
APR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan
*These rates are subject to change depending on the year of the vehicle.

Personal Loans - You have dreams, we have money!
Effective Date: 12/22/2022
$35.00 processing fee
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 36 months	9.25% APR	$31.92
37 - 48 months	10.25% APR	$25.48
49 - 60 months	11.25% APR	$21.87
61-72	13.5% APR	20.30
PR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan

Savings Rates
Effective Date: 01/01/2023
	APY*	Dividend Rate
A minimum balance of $5.00 is required to obtain APY on Savings / Primary Share Accounts \| Rates are subject to change without notice as determined by the Credit Union Board of Directors
Prospective rates for the 4th quarter ending December 31, 2022 & posting January 1, 2023 are:
Primary Share (savings) Minimum Balance = $5.00	0.01 APY	0.01 APR
Checking / Share Draft	0.00 APY	0.00 APR
Open Share IRA	0.25 APY	0.25 APR
Escrow / Sub Share	0.01 APY	0.01 APR
Premier Business Account \| $10,000 minimum daily balance required	0.10 APY	0.10 APR
*APR = Annual Percentage Rate \| APY = Annual Percentage Yield
Christmas Club	0.01 APY	0.01 APR

Certificate Account Rates
Effective Date: 01/01/2023
Term	Min. Deposit	Annual % Yield	Annual % Rate
7 Month SPECIAL	$1,000.00	4.00 APY	4.00 APR
New Money Only \| Renews at maturity to effective rate for 7 Mo Certificate \| Early Withdrawal Penalty will be $35 or 180 days interest whichever is greater.
18 Month SPECIAL	$1,500.00	3.20 APY	3.20 APR
New Money Only \| Renews at maturity to effective rate for 18 Mo Certificate \| Early Withdrawal Penalty will be $35 or 180 days interest whichever is greater.
3 Month	$1,000.00	0.10 APY	0.10 APR
6 Month Money Market	$2,500.00	0.15 APY	0.15 APR
9 Month	$2,500.00	0.20 APY	0.20 APR
1 Year	$500.00	0.30 APY	0.30 APR
1 Year Youth	$50 / $5 adds	0.30 APY	0.30 APR
18 Month	$500.00	0.35 APY	0.35 APR
24 Month**	$5,000.00	0.40 APY	0.40APR
**Your 24 month certificate will not automatically renew if a penalty-free withdrawal taken during the 24 month term has caused the certificate's maturing balance to be less than $5,000. In such case you will have the 10 day grace period to return the balance to the minimum opening balance of $5,000 or the certificate will redeem to your share account.
36 Month	$1,000.00	0.60 APY	0.60 APR
48 Month***	$5,000.00	0.65APY	0.65 APR
***A one-time increase (bump-up) of the interest rate is allowed during the certificate term. See 48 month Term Share Certifcate disclosure for specific details.
5 Year	$500.00	.75APY	.75APR