Today's Best Low Interest Rates

Inspired Checking

Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 *APY = Annual Percentage Yield See Product Details
Average Daily Balance <$9,999.99	Dividend Rate 0.05%	APY* 0.05%
Average Daily Balance $10,000+	Dividend Rate 0.25%	APY* 0.25%

Average Daily Balance

Dividend Rate

APY*

Rates effective as of January 8, 2021

*APY = Annual Percentage Yield

See Product Details

Average Daily Balance

<$9,999.99

Dividend Rate

0.05%

APY*

0.05%

Average Daily Balance

$10,000+

Dividend Rate

0.25%

APY*

0.25%

Share Savings

Minimum Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 *APY = Annual Percentage Yield See Product Details
Minimum Balance $0+	Dividend Rate 0.05%	APY* 0.05%

Minimum Balance

Dividend Rate

APY*

Rates effective as of January 8, 2021

*APY = Annual Percentage Yield

See Product Details

Minimum Balance

$0+

Dividend Rate

0.05%

APY*

0.05%

Inspired Share/Savings

Minimum Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 *APY – Annual Percentage Yield See Product Details
Minimum Balance <$9,999.99	Dividend Rate 0.05%	APY* 0.05%
Minimum Balance $10,000.00+	Dividend Rate 0.10%	APY* 0.10%

Minimum Balance

Dividend Rate

APY*

Rates effective as of January 8, 2021

*APY – Annual Percentage Yield

See Product Details

Minimum Balance

<$9,999.99

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance

$10,000.00+

Dividend Rate

0.10%

APY*

0.10%

Aspire Savings - Smart Start Program

Minimum Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 Available to members between the ages of 13 to 25. *APY = Annual Percentage Yield See Product Details
Minimum Balance $100+	Dividend Rate 0.05%	APY* 0.05%

Minimum Balance

Dividend Rate

APY*

Rates effective as of January 8, 2021

Available to members between the ages of 13 to 25.

*APY = Annual Percentage Yield
See Product Details

Minimum Balance

$100+

Dividend Rate

0.05%

APY*

0.05%

Inspired Money Market

Minimum Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.
Minimum Balance $500 - $9,999.99	Dividend Rate 0.10%	APY* 0.10%
Minimum Balance $10,000+	Dividend Rate 0.25%	APY* 0.25%

Minimum Balance

Dividend Rate

APY*

Rates effective as of January 8, 2021

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

Minimum Balance

$500 - $9,999.99

Dividend Rate

0.10%

APY*

0.10%

Minimum Balance

$10,000+

Dividend Rate

0.25%

APY*

0.25%

Money Market

Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings. See Product Details
Average Daily Balance $1,000.00 - $9,999.99	Dividend Rate 0.05%	APY* 0.05%
Average Daily Balance $10,000 - $24,999.99	Dividend Rate 0.05%	APY* 0.05%
Average Daily Balance $25,000 - $49,999.99	Dividend Rate 0.05%	APY* 0.05%
Average Daily Balance $50,000 - $89,999.99	Dividend Rate 0.10%	APY* 0.10%
Average Daily Balance $90,000 and above	Dividend Rate 0.10%	APY* 0.10%

Coverdell Education Savings

Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 *APY = Annual Percentage Yield See Product Details
Average Daily Balance $25.00+	Dividend Rate 0.15%	APY* 0.15%

Average Daily Balance

Dividend Rate

APY*

Rates effective as of January 8, 2021

*APY = Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Regular & IRA Certificates

Terms	Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Minimum daily balances must be maintained to earn dividends and avoid closure. See your account disclosure for full details. * 3-month/91 day term not available on IRA certificates. See Product Details
Terms 3 months** (91 day)	Average Daily Balance $500.00 and above	Dividend Rate 0.20%	APY* 0.20%
Terms 6 months	Average Daily Balance $500.00 and above	Dividend Rate 0.25%	APY* 0.25%
Terms 12 months	Average Daily Balance $500.00 and above	Dividend Rate 0.40%	APY* 0.40%
Terms 18 months	Average Daily Balance $500.00 and above	Dividend Rate 0.50%	APY* 0.50%
Terms 24 months	Average Daily Balance $500.00 and above	Dividend Rate 0.60%	APY* 0.60%
Terms 36 months	Average Daily Balance $500.00 and above	Dividend Rate 0.75%	APY* 0.75%
Terms 60 months	Average Daily Balance $500.00 - $9,999.99	Dividend Rate 1.10%	APY* 1.10%
Terms 60 months	Average Daily Balance $10,000.00 - $89,999.99	Dividend Rate 1.15%	APY* 1.15%
Terms 60 months	Average Daily Balance $90,000.00 and above	Dividend Rate 1.19%	APY* 1.20%

Coverdell Education Savings

Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 8, 2021 *APY = Annual Percentage Yield See Product Details
Average Daily Balance $25.00+	Dividend Rate 0.15%	APY* 0.15%

Average Daily Balance

Dividend Rate

APY*

Rates effective as of January 8, 2021

*APY = Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Auto Loans (2018 and newer)

Terms	Promotional APR*	Estimated Monthly Payment per $1,000	Auto Buying Service (NCI) APR*	Estimated Monthly Payment per $1,000
Promotional rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional discounts do not apply. ¹Subject to credit and collateral approval. Rates and terms are effective December 1, 2021 and are subject to change without notice. Rates stated include a discount for using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2018 and newer and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a new vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union. Discount is 0.50% off of the approved interest rate for loan terms up to 66 months and discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months. See Product Details
Terms Up to 66 mos	Promotional APR* As low as 1.99%	Estimated Monthly Payment per $1,000 $16.01 (at 66 months)	Auto Buying Service (NCI) APR* As low as 1.49%¹	Estimated Monthly Payment per $1,000 $15.79 (at 66 months)
Terms 67 - 75 mos	Promotional APR* As low as 2.49%	Estimated Monthly Payment per $1,000 $14.41 (at 75 months)	Auto Buying Service (NCI) APR* As low as 2.24%¹	Estimated Monthly Payment per $1,000 $14.30 (at 75 months)
Terms 76 - 84 mos	Promotional APR* As low as 3.99%	Estimated Monthly Payment per $1,000 $13.66 (at 84 months)	Auto Buying Service (NCI) APR* As low as 3.74%¹	Estimated Monthly Payment per $1,000 $13.55 (at 84 months)

Auto Loans (2013 - 2017)

Terms	Promotional APR*	Estimated Monthly Payment per $1,000	Auto Buying Service (NCI) APR*	Estimated Monthly Payment per $1,000
Promotional rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Other rates may be available for older vehicles. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details. ¹Subject to credit and collateral approval. Rates and terms are effective December 1, 2021 and are subject to change without notice. Rates stated include a discount for using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2017 to 2013 and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a used vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union. Discount is 0.50% off of the approved interest rate for loan terms up to 66 months and discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months. See Product Details
Terms Up to 66 mos	Promotional APR* As low as 2.74%	Estimated Monthly Payment per $1,000 $16.34 (at 66 months)	Auto Buying Service (NCI) APR* As low as 2.24%¹	Estimated Monthly Payment per $1,000 $16.12 (at 66 months)
Terms 67 - 75 mos	Promotional APR* As low as 3.24%	Estimated Monthly Payment per $1,000 $14.75 (at 75 months)	Auto Buying Service (NCI) APR* As low as 2.99%¹	Estimated Monthly Payment per $1,000 $14.63 (at 75 months)
Terms 76 - 84 mos	Promotional APR* As low as 4.74%	Estimated Monthly Payment per $1,000 $14.01 (at 84 months)	Auto Buying Service (NCI) APR* As low as 4.49%¹	Estimated Monthly Payment per $1,000 $13.90 (at 84 months)

Recreational Vehicles (2018 and Newer)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*	Estimated monthly payment per $1,000
Rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply. ¹Subject to credit and collateral approval. Rates and terms are effective December 1, 2021 and are subject to change without notice. Rates stated includes a 0.50% discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details. Rate discount of 0.25% is available when purchasing Payment Protection from Wheelhouse Credit Union. Maximum discount cannot exceed 0.50%. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 4.99%	Estimated monthly payment per $1,000 $17.36 (at 66 months)	With Ancillary Product Purchase APR* As low as 4.49%¹	Estimated monthly payment per $1,000 $17.13 (at 66 months)
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 5.24%	Estimated monthly payment per $1,000 $12.77 (at 96 months)	With Ancillary Product Purchase APR* As low as 4.74%¹	Estimated monthly payment per $1,000 $12.54 (at 96 months)
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 6.24%	Estimated monthly payment per $1,000 $9.88 (at 144 months)	With Ancillary Product Purchase APR* As low as 5.74%¹	Estimated monthly payment per $1,000 $9.62 (at 144 months)
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 7.99%	Estimated monthly payment per $1,000 $9.55 (at 180 months)	With Ancillary Product Purchase APR* As low as 7.49%¹	Estimated monthly payment per $1,000 $9.26 (at 180 months)

Recreational Vehicles (2011 - 2017)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*	Estimated monthly payment per $1,000
Rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply. ¹Subject to credit and collateral approval. Rates and terms are effective December 1, 2021 and are subject to change without notice. Rates stated includes a 0.50% discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details. Rate discount of 0.25% is available when purchasing Payment Protection from Wheelhouse Credit Union. Maximum discount cannot exceed 0.50%. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 5.99%	Estimated monthly payment per $1,000 $17.82 (at 66 months)	With Ancillary Product Purchase APR* As low as 5.49%¹	Estimated monthly payment per $1,000 $17.59 (at 66 months)
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 6.24%	Estimated monthly payment per $1,000 $13.26 (at 96 months)	With Ancillary Product Purchase APR* As low as 5.74%¹	Estimated monthly payment per $1,000 $13.02 (at 96 months)
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 7.24%	Estimated monthly payment per $1,000 $10.41 (at 144 months)	With Ancillary Product Purchase APR* As low as 6.74%¹	Estimated monthly payment per $1,000 $10.15 (at 144 months)
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 8.99%	Estimated monthly payment per $1,000 $10.14 (at 180 months)	With Ancillary Product Purchase APR* As low as 8.49%¹	Estimated monthly payment per $1,000 $9.84 (at 180 months)

Motorcycle Loans (2018 and Newer)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*	Estimated monthly payment per $1,000
Rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Other terms and conditions may apply. Please ask a representative for details. ¹Subject to credit and collateral approval. Rates and terms are effective December 1, 2021 and are subject to change without notice. Rates stated include a discount for purchasing Mechanical Repair Coverage (MRC), Guaranteed Asset Protection (GAP) or Payment Protection from Wheelhouse Credit Union. Additional rate discounts may be available. Please ask a representative for details. See Product Details
Terms Up to 48 months	Minimum Loan Amount $5,000	APR* As low as 4.24%	Estimated monthly payment per $1,000 $22.69 (at 48 months)	With Ancillary Product Purchase APR* As low as 3.99%¹	Estimated monthly payment per $1,000 $22.57 (at 48 months)
Terms 49 - 66 months	Minimum Loan Amount $7,500	APR* As low as 4.49%	Estimated monthly payment per $1,000 $17.13 (at 66 months)	With Ancillary Product Purchase APR* As low as 4.24%¹	Estimated monthly payment per $1,000 $17.01 (at 66 months)
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 5.49%	Estimated monthly payment per $1,000 $15.78 (at 75 months)	With Ancillary Product Purchase APR* As low as 5.24%¹	Estimated monthly payment per $1,000 $15.66 (at 75 months)

Motorcycle Loans (2013 - 2017)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*	Estimated monthly payment per $1,000
Rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Other terms and conditions may apply. Please ask a representative for details. ¹Subject to credit and collateral approval. Rates and terms are effective December 1, 2021 and are subject to change without notice. Rates stated include a discount for purchasing Mechanical Repair Coverage (MRC), Guaranteed Asset Protection (GAP) or Payment Protection from Wheelhouse Credit Union. Additional rate discounts may be available. Please ask a representative for details. See Product Details
Terms Up to 48 months	Minimum Loan Amount $2,500	APR* As low as 5.24%	Estimated monthly payment per $1,000 $23.14 (at 48 months)	With Ancillary Product Purchase APR* As low as 4.99%¹	Estimated monthly payment per $1,000 $23.02 (at 48 months)
Terms 49 - 66 months	Minimum Loan Amount $5,000	APR* As low as 5.49%	Estimated monthly payment per $1,000 $17.59 (at 66 months)	With Ancillary Product Purchase APR* As low as 5.24%¹	Estimated monthly payment per $1,000 $17.47 (at 66 months)
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 6.49%	Estimated monthly payment per $1,000 $16.26 (at 75 months)	With Ancillary Product Purchase APR* As low as 6.24%¹	Estimated monthly payment per $1,000 $16.14 (at 75 months)

Boats and Sports Craft (2018 and Newer)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000	With Ancillary Purchase APR*	Estimated monthly payment per $1,000
Rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details. ¹Subject to credit and collateral approval. Rates and terms are effective December 1, 2021 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 6.99%	Estimated monthly payment per $1,000 $18.29 (at 66 months)	With Ancillary Purchase APR* As low as 6.49%¹	Estimated monthly payment per $1,000 $18.06 (at 66 months)
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 7.99%	Estimated monthly payment per $1,000 $14.13 (at 96 months)	With Ancillary Purchase APR* As low as 7.49%¹	Estimated monthly payment per $1,000 $13.88 (at 96 months)
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 8.99%	Estimated monthly payment per $1,000 $11.37 (at 144 months)	With Ancillary Purchase APR* As low as 8.49%¹	Estimated monthly payment per $1,000 $11.09 (at 144 months)

Boats and Sports Craft (2017 and Older)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000	With Ancillary Purchase APR*	Estimated monthly payment per $1,000
Rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details. ¹Subject to credit and collateral approval. Rates and terms are effective December 1, 2021 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 7.99%	Estimated monthly payment per $1,000 $18.77 (at 66 months)	With Ancillary Purchase APR* As low as 7.49%¹	Estimated monthly payment per $1,000 $18.53 (at 66 months)
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 8.99%	Estimated monthly payment per $1,000 $14.65 (at 96 months)	With Ancillary Purchase APR* As low as 8.49%¹	Estimated monthly payment per $1,000 $14.39 (at 96 months)
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 9.99%	Estimated monthly payment per $1,000 $11.95 (at 144 months)	With Ancillary Purchase APR* As low as 9.49%¹	Estimated monthly payment per $1,000 $11.66 (at 144 months)

Wheelhouse Credit Cards

Card	APR*
Rates as of November 21, 2021 *APR = Annual Percentage Rate See full summary of rates and terms See Product Details
Card Visa^® Platinum Credit Card	APR* 9.49% - 21.49% APR*
Card Visa^® Platinum Rewards Credit Card	APR* 10.25% - 22.25% APR*

Card

APR*

Rates as of November 21, 2021
*APR = Annual Percentage Rate

See full summary of rates and terms

See Product Details

Card

Visa^® Platinum Credit Card

APR*

9.49% - 21.49% APR*

Card

Visa^® Platinum Rewards Credit Card

APR*

10.25% - 22.25% APR*

Solar and Energy Efficient Loans

Terms	Maximum Loan Amount	APR*	Estimated monthly payment per $1,000	With Inspired Checking	Estimated monthly payment per $1,000
* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are based on credit worthiness, payment method and loan term. Rates are effective December 1, 2021 and are subject to change without notice. + Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify. ^t .25% Inspired Checking rate discount. Requires monthly direct deposit of $450 or more, an active online banking registration and eStatements within 90 days of account opening. Electronic deposits are defined as ACH or Automatic Clearing House deposits. If requirements are not met and maintained, account will be converted to a Basic Checking Account and the Inspired Checking loan rate discount will be removed. Offer valid on select solar and energy efficient loan types only. Energy Efficient Loans includes Water Conservation program. Product Details for Solar Product Details for Energy Efficient The CA. SB2, Atkins. Building Homes and Job Act imposes a fee of $75. UCC-1 filing is required.
Terms Up to 96 months	Maximum Loan Amount $80,000	APR* As low as 4.49%⁺	Estimated monthly payment per $1,000 $12.42 (at 96 months)	With Inspired Checking As low as 4.24%^t	Estimated monthly payment per $1,000 $12.30 (at 96 months)
Terms 97 - 144 months	Maximum Loan Amount $80,000	APR* As low as 5.49%⁺	Estimated monthly payment per $1,000 $9.50 (at 144 months)	With Inspired Checking As low as 5.24%^t	Estimated monthly payment per $1,000 $9.37 (at 144 months)
Terms 145 - 240 months	Maximum Loan Amount $80,000	APR* As low as 5.99%⁺	Estimated monthly payment per $1,000 $7.16 (at 240 months)	With Inspired Checking As low as 5.74%^t	Estimated monthly payment per $1,000 $7.02 (at 240 months)

Personal Loans

Loan Type	Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000
Rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details. **Rates stated includes a discount of 0.25% APR with the purchase of an ancillary product. ¹ No additional discounts apply. Rates are determined based on savings or certificate rate plus a 3% margin. Certificate Secured loans are due and payable upon maturity of the certificate account. See Product Details
Loan Type Life Loan	Terms Up to 60 months	Minimum Loan Amount $500	APR* As low as 7.49%**	Estimated monthly payment per $1,000 $20.03 (at 60 months)
Loan Type Bill Consolidation Loan	Terms Up to 60 months	Minimum Loan Amount $500	APR* As low as 14.24%**	Estimated monthly payment per $1,000 $23.39 (at 60 months)
Loan Type Share Secured¹	Terms Up to 120 months	Minimum Loan Amount $100	APR* Savings rate + 3% APR	Estimated monthly payment per $1,000
Loan Type Certificate Secured¹	Terms 60 months or up to certificate term	Minimum Loan Amount $500	APR* Certificate rate + 3% APR	Estimated monthly payment per $1,000

Line of Credit

Loan Type	Maximum Loan Amount	APR*
Rates effective December 1, 2021 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. ** Rate stated include a discount of 0.25% APR with the purchase of an ancillary product. ^tRates are effective 01/01/2021 and are subject to change without notice. 2.99% introductory APR through December 31, 2020. After that, standard APR as low as 12.49% APR, based on credit-worthiness. Rate stated include a discount of 0.25% APR with the purchase of an ancillary product. Other terms and conditions may apply.
Loan Type Relief Loan	Maximum Loan Amount $5,000	APR* As low as 12.49%^t
Loan Type 1010 Police Department Loan	Maximum Loan Amount $2,500	APR* As low as 9.11%
Loan Type Money on Request	Maximum Loan Amount $15,000	APR* As low as 12.49%**

Conforming (Up to $753,250)

Term	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Rates are effective December 7, 2021 and are subject to change without notice. *APR = Annual Percentage Rate. All loan programs, rates, APR, points and terms listed are subject to change without notice. All loans are subject to credit approval. 15-Year and 30-Year Fixed ¹Today’s rates assumes the following: • Purpose of the loan is for purchase a single-family, primary residence • A minimum credit score of 740 • Loan amount of $350,000 • Rate lock period is 45 days • The loan rates assume a 80% loan-to-value, no down payment requirement and does not include Private Mortgage Insurance (PMI) • Payment examples do not include cost of property taxes or insurance, so the actual payment obligation will be greater
Term Fixed	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Term 15-Year	Rate 2.250%	Points 0.000%	APR* 2.355%	Estimated Payment Per $1,000 Borrowed¹ $6.55
Term 30-Year	Rate 2.875%	Points 0.000%	APR* 2.935%	Estimated Payment Per $1,000 Borrowed¹ $4.15
Term Adjustable-Rate Mortgages (ARM)	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Term Call us for a custom rate quote	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹

JUMBO Rates ($753,251 to $2M)

Term	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Rates are effective December 7, 2021 and are subject to change without notice. *APR = Annual Percentage Rate. All loan programs, rates, APR, points and terms listed are subject to change without notice. All loans are subject to credit approval. 15-Year and 30-Year Fixed ¹Today’s rates assumes the following: • Purpose of the loan is for purchase a single-family, primary residence • A minimum credit score of 740 • Loan amount of $753,251 • Rate lock period is 45 days • The loan rates assume a 80% loan-to-value, no down payment requirement and does not include Private Mortgage Insurance (PMI) • Payment examples do not include cost of property taxes or insurance, so the actual payment obligation will be greater
Term Fixed	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Term 15-Year	Rate 2.250%	Points 0.000%	APR* 2.305%	Estimated Payment Per $1,000 Borrowed¹ $6.55
Term 30-Year	Rate 2.875%	Points 0.000%	APR* 2.907%	Estimated Payment Per $1,000 Borrowed¹ $4.15
Term Adjustable-Rate Mortgages (ARMS)	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹
Term Call us for a custom quote	Rate	Points	APR*	Estimated Payment Per $1,000 Borrowed¹