Structured to serve you Our loan rates are set with you in mind, empowering you with the financing you need at a great rate. Vehicle and Personal Loan Rates Effective Date: 8/1/16 Type of Loan Term (Months) Annual Percentage Rate (APR)* Take Action Auto, Motorcycle and Boat Loans (mile restrictions apply) Up to 60 months 1.99%* Apply Now Up to 75 months 1.99%* Apply Now Up to 84 months 4.49%* Apply Now Recreation Vehicles Up to 120 months 5.49%* Apply Now Up to 180 months 5.74%* Apply Now Up to 240 months 5.99%* Apply Now Signature Lines of Credit $500 and up - as low as 10.00% Apply Now Secured Loans Share Secured 3% above Share Rate Apply Now Certificate Secured 2% above certificate rate. No discount on Share/Certificate secured rate. Apply Now 50/50 Share Secured Signature rate + Share/Certificate rate, divided by 2 = rate Determined by beacon score. Apply Now * APR = Annual Percentage Rate. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed auto loan rates include the following discounts: .25% off of a new untitled auto, .25% off for direct deposit, .25% off with auto pay setup, .25% off with combined deposit balances of 10,000 or higher, .50% off for being <80% retail value, .50% off for refinancing auto from another lending institution. Combined maximum discount of 1%. Regardless of available discounts, 1.99% is the minimum APR offered. RV's 2010 and older will be 1% higher than our current advertised rate. Ask for details. Visa Credit Card Rates Credit Card Type Annual Percentage Rate Grace Period to repay Purchases Method used to Compute Purchase Balance Annual Fee Apply Platinum Advantage VISA as low as 8.00%* 25 Days Average Daily Balance None Apply Now Signature Rewards VISA as low as 10.40%* 25 Days Average Daily Balance None Apply Now * Annual Percentage Rate (APR) is variable and currently ranges from 8.00% to 18.00% and is accurate as of 7/1/2016. Your APR is determined by program selected and credit history. All other information will be disclosed when you receive your card in the mail. Please contact the credit union at 757-877-2444 with questions or concerns. View Account Terms for Platinum VISA Credit Card View Account Terms for Signature Rewards VISA Credit Card Call 757-886-3337 or Apply Now Home Equity Line Rates Effective Date: 8/1/2016 Home Equity Line of Credit Introductory Rate 1.99% APR* 12 months As low as 3.50% APR* Variable thereafter Plus, no closing costs!* Don't wait, apply now! Call 757-886-3337 or Apply Now *1.99% fixed Annual Percentage Rate (APR) for first twelve months. Thereafter, variable APR adjusted quarterly based on Wall Street Journal Prime Rate (index) + a margin for the life of the loan. Current APR as of 8/1/2016 is 3.50% APR, includes + 0.00 margin and assumes great credit and loan to value < 80%. Minimum floor rate of 3.50% APR and a maximum rate of 18% APR. Rates and terms will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. Introductory offer not available for refinances of existing 1st Advantage home equity loan/line of credit. No closing costs, excluding appraisal fee if required, for new loans greater than $20,000. Not available for home purchase. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. Offer excludes properties currently for sale or within last 180 days of application. Property insurance is required, flood insurance may be required. Certain restrictions apply. Limited time offer. Home Equity Loan Rates Effective Date: 8/1/16 Term Annual Percentage Rate (APR)* Take Action 5 years as low as 4.50%* Apply Now *APR = Annual Percentage Rate. Current APR as of 8/1/2016 is 4.50% APR for 5 year and assumes great credit and loan to value < 80%. Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. Offer excludes properties currently for sale or within last 180 days of application. Property insurance is required, flood insurance may be required. Certain restrictions apply.