2019 Annual Meeting Notice

Rates

Unsecured Personal Loans | Checking Account | Savings | Certificates of Deposit and IRAs | Money Market | Members Money Market | New Cars | Used Cars | Mortgages | Home Equity Line of Credit | Home Equity Fixed Rate | Motorcycle | Boat and Recreational Vehicle Loans | Home Improvement Loans | Secured Consumer Loans | Wiin Club | Vacation Club | Holiday Club | Lines of Credit |


Unsecured Personal Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.
Personal 12 9.99% $87.91
Personal 24 11.99% $47.07
Personal 36-84 12.99% Based on Term
Holiday 12 7.99% $86.98
Open End N/A 12.90% N/A
Tuition 10 7.99% $103.72

Checking Account

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
Members Plus Checking 0.10% 0.10%

Savings

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
Savings (Share) Account* 0.20 % 0.20%
IRA Share Account 0.20 % 0.20%

Certificates of Deposit and IRAs

Name Term (in months) APY* Dividend Rate Minimum Deposit
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
3 month CD 3 0.50% 0.50% $500
6 month CD 6 0.65% 0.65% $500
7 month CD 7 0.75% 0.75% $500
9 month CD 9 0.85% 0.85% $500
11 month CD 11 0.95% 0.95% $500
1 year CD 12 1.01% 1.00% $500
13 month CD 13 1.11% 1.10% $500
15 month CD 15 1.21% 1.20% $500
18 month CD 18 1.31% 1.30% $500
2 year CD 24 1.41% 1.40% $500
3 year CD 36 1.51% 1.50% $500
4 year CD 48 1.61% 1.60% $500
5 year CD 60 1.72% 1.70% $500

Money Market

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1,000-$9,999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
$25,000-$49,999 0.40% 0.40%
$50,000-$74,999 0.40% 0.40%
$75,000-$99,999 0.40% 0.40%
Over $100,000 0.40% 0.40%

Members Money Market

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1000-$999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
Over $25,000 0.40% 0.40%

New Cars

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.
Up to 4-Year Term 0-48 2.74% $22.02
5-Year Term 0-60 2.89% $17.92
6-Year Term 0-72 3.14% $15.26
7-Year Term 0-84 3.39% $13.39

Used Cars

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.
Up to 4-Year Term 0 - 48 2.89% 22.09
5-Year Term 0 - 60 3.14% 18.03
6-Year Term 0 - 72 3.39% $15.37
7-Year Term 0 - 84 3.64% $13.51

Mortgages

Name Rate Points APR** Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.

** Please note all rates subject to change. All mortgages and home equity loans require property insurance. The interest rate and fees show here are available to members with an excellent credit history. The actual interest and fees available to you will be based on your credit history, property type, and may be different than the rates displayed here. First Mortgages have no points.
30 Year Fixed 4.50% 0 4.530% $5.07
15 Year Fixed 4.00% 0 4.051% $7.40
10 Year Fixed 3.875% 0 3.948% $10.07
3/1 Year Adjustable 3.250% 0 4.788% $4.35
3/3 Year Adjustable 3.625% 0 5.247% $4.56
5/1 Adjustable 3.375% 0 4.576% $4.42

Home Equity Line of Credit

Name Rate Points APR**
**APR = Annual Percentage Rate.

*** Rate subject to change without notice. Variable rate based on Prime Rate as published by the Wall Street Journal. As of 12/21/2018, the Prime Rate is 5.50%. The variable rate featured may increase after loan consummation. Maximum APR is 18.00%. Minimum APR is 3.00%. Maximum LTV is 80%. This product has a fixed rate lock option. Qualification restrictions apply. No closing costs although properties held in trust may require additional fees. Early termination fee of $400 applies for lines of credit closed within first 36 months - not to exceed 2% of original loan limit.
Home Equity Line of Credit 5.50% 0 5.50%

Home Equity Fixed Rate

Name Rate Points APR** Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.

** Please note all rates subject to change. All mortgages and home equity loans require property insurance.

0 - 3 Years 4.250% 0 4.265%
4 - 5 Years 4.500% 0 4.509%
6 - 10 Years 5.000% 0 5.005%
11 - 15 Years 5.500% 0 5.503%
16 - 20 Years 5.750% 0 5.753%

Motorcycle

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.
3-Year Term 0-36 3.14 29.15
4-Year Term 0-48 3.39 $22.31
5-Year Term 0-60 3.64 $18.26

Boat and Recreational Vehicle Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.
New Recreational Vehicle 0 - 60 7.24% $19.93
Used Recreational Vehicle 0 - 36 8.24% $31.46

Home Improvement Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.
Unsecured 0-36 5.50% $30.21
Unsecured 48 5.75% $23.38
Unsecured 60 6.00% $19.34
Unsecured 72 6.25% $16.70
Unsecured 84 6.50% $14.86
Secured 0-60 5.50% $19.11
Secured 61-120 5.99% $11.10

Secured Consumer Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates effective February  1, 2019 and are subject to change without notice.
Savings Secured Loan 0-120 3.20% Based on Term
Cert. of Deposit Secured Loan 0-120 3.00% + CD APY Based on Term

Wiin Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1000-$999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
$25,000-$49,999 0.40% 0.40%
$50,000-$74,999 0.40% 0.40%
$75,000-$99,999 0.40% 0.40%
Over $100,000 0.40% 0.40%

Vacation Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0 - Unlimited 0.20% 0.20%

Holiday Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective March 27, 2018 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0 - unlimited 0.20% 0.20%

Lines of Credit

Name APR**
**APR = Annual Percentage Rate.

Fees that may be applicable to deposit and lending accounts can be found on the fee schedule.

Mastercard Disclosure: 12.90% APR for all purchases and cash advances. $0.50 minimum finance charge, 25 day grace period, Balance computation method=30 days/billing cycle x (daily periodic rate x average daily balance).
MasterCard® 12.90%
Overdraft Protection Line of Credit 18.00%

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