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Loan, Credit Card & Deposit Rates

Auto Loan Interest Rates

Effective date February 1, 2019

Type (Minimum loan amount)	Payment Period	Auto Loan Purchase APR* 'as low as'	Auto Loan Refinance. APR* 'as low as'
New AND Used Vehicles; Model Years 2016 - 2020	Up to 36 months	1.89%	1.89%
New AND Used Vehicles; Model Years 2016 - 2020	Up to 48 months	3.64%	3.14%
New AND Used Vehicles; Model Years 2016 - 2020 ($10,000 minimum)	Up to 60 months	3.79%	3.29%
New AND Used Vehicles; Model Years 2016 - 2020 ($10,000 minimum)	Up to 66 months	3.84%	3.34%
New AND Used Vehicles; Model Years 2016 - 2020 ($12,000 minimum)	Up to 72 months	3.99%	3.49%
New AND Used Vehicles; Model Years 2016 - 2020 ($15,000 minimum)	75 months	4.39%	3.89%
New AND Used Vehicles; Model Years 2016 - 2020 ($25,000 minimum)	78 months	4.64%	4.14%
New AND Used Vehicles; Model Years 2013 - 2015	Up to 36 months	3.74%	3.24%
New AND Used Vehicles; Model Years 2013 - 2015	Up to 48 months	3.94%	3.44%
New AND Used Vehicles; Model Years 2013 - 2015 ($10,000 minimum)	Up to 60 months	3.99%	3.49%
New AND Used Vehicles; Model Years 2013 - 2015 ($10,000 minimum)	Up to 66 months	4.09%	3.59%
New AND Used Vehicles; Model Years 2013 - 2015 ($12,000 minimum)	Up to 72 months	4.64%	4.14%
New AND Used Vehicles; Model Years 2013 - 2015 ($15,000 minimum)	75 months	4.89%	4.39%
New AND Used Vehicles; Model Years 2012 & Older	Up to 36 months	4.74%	4.24%
New AND Used Vehicles; Model Years 2012 & Older	Up to 48 months	4.89%	4.39%
New AND Used Vehicles; Model Years 2012 & Older ($10,000 minimum)	Up to 60 months	5.19%	4.69%
New AND Used Vehicles; Model Years 2012 & Older ($10,000 minimum)	Up to 66 months	5.64%	5.14%

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^*APR = Annual Percentage Rate. Rates are subject to change without notice.

Important Terms and Conditions

Term	Model Year 2016-2020 Annual Percentage Rate	Payment Per $1,000
1-36 months (Auto Loan Purchase)	1.89%	$28.59
1-36 months (Auto Loan Refinance)	1.89%	$28.59
48 months (Auto Loan Purchase)	3.64%	$22.42
48 months (Auto Loan Refinance)	3.14%	$22.20
60 months (Auto Loan Purchase)	3.79%	$18.32
60 months (Auto Loan Refinance)	3.29%	$18.10
66 months (Auto Loan Purchase)	3.84%	$16.83
66 months (Auto Loan Refinance)	3.34%	$16.61
72 months (Auto Loan Purchase)	3.99%	$15.64
72 months (Auto Loan Refinance)	3.49%	$15.41
75 months (Auto Loan Purchase)	4.39%	$15.27
75 months (Auto Loan Refinance)	3.89%	$15.04
78 months (Auto Loan Purchase)	4.64%	$14.88
78 months (Auto Loan Refinance)	4.14%	$14.64

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

Term	Model Year 2013-2015 Annual Percentage Rate	Payment Per $1,000
1-36 MONTHS (Auto Loan Purchase)	3.74%	$29.41
1-36 MONTHS (Auto Loan Refinance)	3.24%	$29.19
48 MONTHS (Auto Loan Purchase)	3.94%	$22.55
48 MONTHS (Auto Loan Refinance)	3.44%	$22.33
60 MONTHS (Auto Loan Purchase)	3.99%	$18.41
60 MONTHS (Auto Loan Refinance)	3.49%	$18.19
66 MONTHS (Auto Loan Purchase)	4.09%	$16.95
66 MONTHS (Auto Loan Refinance)	3.59%	$16.72
72 MONTHS (Auto Loan Purchase)	4.64%	$15.94
72 MONTHS (Auto Loan Refinance)	4.14%	$15.71
75 months (Auto Loan Purchase)	4.89%	$15.50
75 months (Auto Loan Refinance)	4.39%	$15.27

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

Term	Model Year 2012 & Older Annual Percentage Rate	Payment Per $1,000
1-36 months (Auto Loan Purchase)	4.74%	$29.85
1-36 months (Auto Loan Refinance)	4.24%	$29.63
48 months (Auto Loan Purchase)	4.89%	$22.98
48 months (Auto Loan Refinance)	4.39%	$22.75
60 months (Auto Loan Purchase)	5.19%	$18.96
60 months (Auto Loan Refinance)	4.69%	$18.73
66 months (Auto Loan Purchase)	5.64%	$17.66
66 months (Auto Loan Refinance)	5.14%	$17.43

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

AUTO LOAN RATES
Loan interest rates and available terms are based on your credit quality, term, model year, loan to value ratio, and our usual credit criteria apply. Your rate may be different. All rates shown are fixed rate loans.

New and Pre-Owned/Used Cars: Rates may vary based on member qualifications and credit criteria. All rates and conditions subject to change.

Alternative Vehicle Rates

Effective date Nov. 1, 2018

Type	Payment Period	Annual Percentage Rate 'as low as'
Motorcycles and Scooters 2015 - 2019	36 months Term determined by loan amount	3.74%
Motorcycles and Scooters 2012 - 2014	36 months Term determined by loan amount	3.99%
Motorcycles and Scooters 2011 & Older	48 months Term determined by loan amount	9.00%

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^*APR = Annual Percentage Rate. Rates are subject to change without notice.

Important Terms and Conditions

Term	Motorcycles and Scooters 2016 - 2020 Annual Percentage Rate	Payment Per $1,000
36 months	3.74%	$29.41

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

Term	Motorcycles and Scooters 2013 - 2015 Annual Percentage Rate	Payment Per $1,000
36 months	3.99%	$29.52

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

Term	Motorcycles and Scooters 2012 & Older Annual Percentage Rate	Payment Per $1,000
48 months	9.00%	$24.89

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

ALTERNATIVE VEHICLE RATE
Loan interest rates and loan to value are based on your credit quality and year of collateral. Yours may be different. All rates shown are fixed rate loans. Boat and RV loans: for qualified borrowers, financing up to 90% of invoice. Motorcycle loans: for qualified borrowers, financing up to 130% of invoice. Rates may vary based on member qualifications and credit criteria. Rates subject to change.

The maximum term will be determined by considering both the dollar amount and the member's credit rating.

Scooters: Engine size of 50cc’s or greater will be treated as a motorcycle loan. Anything less than 50cc’s will be considered a signature loan.

Boat Loans and RV Loan Rates

Effective date June 1, 2016