Today's Best Low Interest Rates

Inspired Checking Account

Average Daily Balance	Dividend Rate	APY*
Rates effective as of May 26, 2023 *APY = Annual Percentage Yield. Inspired Checking is a variable rate account and rate and yield are subject to change without notice. Inspired Checking requires monthly direct deposit of $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other restrictions, terms and conditions may apply. Membership is required. See Product Details
Average Daily Balance <$9,999.99	Dividend Rate 0.10%	APY* 0.10%
Average Daily Balance $10,000 - $74,999.99	Dividend Rate 1.00%	APY* 1.00%
Average Daily Balance $75,000+	Dividend Rate 2.97%	APY* 3.00%

Share Savings

Minimum Balance	Dividend Rate	APY*
Rates effective as of May 26, 2023 *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 May 26, 2023

*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 May 26, 2023 *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 May 26, 2023

*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 May 26, 2023 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 May 26, 2023

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 May 26, 2023 *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 May 26, 2023

*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 May 26, 2023 *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 May 26, 2023 *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 May 26, 2023

*APY = Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Promotional Term Certificates & IRA Certificates

Terms	$500 - $9,999		$10,000 - $89,999		$90,000+
Rates effective as of May 26, 2023 *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. Fees could reduce earnings on the account. Minimum daily balances must be maintained to earn dividends and avoid closure. Upon maturing, an 11-month or 8-month Certificate will automatically rollover to a 12-month Certificate, a 15-month certificate will roll into an 18-month certificate, a 22-month to a 24-month, and a 33-month to a 36-month. See your account disclosure for full details. Certificate APYs, conditions and terms are subject to change without notice. ¹To earn the stated rate, a minimum of $10,000 of the opening funds must not already be on deposit at Wheelhouse Credit Union. ²All new money required for the 4-month, 8-month, 11-month and 15-month Certificate promotion with a minimum opening balance of $500 and a maximum deposit of $500,000. Upon maturing, a 4-month Certificate will roll into a 6-month Certificate, an 8-month Certificate will roll into a 12-month Certificate, 11-month Certificate will roll into a 12-month Certificate and 15-month Certificate will roll into an 18-month Certificate. See Product Details
Terms	$500 - $9,999 Dividend Rate	APY*	$10,000 - $89,999 Dividend Rate	APY*	$90,000+ Dividend Rate	APY*
Terms 33 months	$500 - $9,999 3.21%	3.25%	$10,000 - $89,999 3.21%¹	3.25%	$90,000+ 3.21%¹	3.25%
Terms 22 months	$500 - $9,999 1.89%	1.90%	$10,000 - $89,999 2.23%¹	2.25%	$90,000+ 2.28%¹	2.30%
Terms 15 months²	$500 - $9,999 4.86%	4.95%	$10,000 - $89,999 4.86%	4.95%	$90,000+ 4.86%	4.95%
Terms 11 months²	$500 - $9,999 4.91%	5.00%	$10,000 - $89,999 4.91%	5.00%	$90,000+ 4.91%	5.00%
Terms 8 months²	$500 - $9,999 3.70%	3.75%	$10,000 - $89,999 3.70%	3.75%	$90,000+ 3.70%	3.75%
Terms 4 months²	$500 - $9,999 2.48%	2.50%	$10,000 - $89,999 2.48%	2.50%	$90,000+ 2.48%	2.50%

Term Certificates & IRA Certificates

Terms	$500 - $9,999		$10,000 - $89,999		$90,000+
Rates effective as of May 26, 2023 *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. Fees could reduce earnings on the account. Minimum daily balance must be maintained to earn dividends and avoid closure. See your account disclosure for full details. ⁴3-month term not available on IRA Certificates. See Product Details
Terms	$500 - $9,999 Dividend Rate	APY*	$10,000 - $89,999 Dividend Rate	APY*	$90,000+ Dividend Rate	APY*
Terms 60 months	$500 - $9,999 2.18%	2.20%	$10,000 - $89,999 2.23%	2.25%	$90,000+ 2.28%	2.30%
Terms 36 months	$500 - $9,999 2.08%	2.10%	$10,000 - $89,999 2.13%	2.15%	$90,000+ 2.18%	2.20%
Terms 24 months	$500 - $9,999 3.94%	4.00%	$10,000 - $89,999 3.94%	4.00%	$90,000+ 3.94%	4.00%
Terms 18 months	$500 - $9,999 4.52%	4.60%	$10,000 - $89,999 4.52%	4.60%	$90,000+ 4.52%	4.60%
Terms 12 months	$500 - $9,999 4.43%	4.50%	$10,000 - $89,999 4.43%	4.50%	$90,000+ 4.43%	4.50%
Terms 6 months	$500 - $9,999 2.97%	3.00%	$10,000 - $89,999 2.97%	3.00%	$90,000+ 2.97%	3.00%
Terms 3 months⁴	$500 - $9,999 0.20%	0.20%	$10,000 - $89,999 0.25%	0.25%	$90,000+ 0.30%	0.30%

Coverdell Education Savings

Average Daily Balance	Dividend Rate	APY*
Rates effective as of May 26, 2023 *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 May 26, 2023

*APY = Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Auto Loans (2020 and newer)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Monthly Payment per $1,000
Rates effective May 1, 2023 * 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 may apply. ¹Subject to credit and collateral approval. Rates and terms are effective May 1, 2023 and are subject to change without notice. Rates stated includes a discount for purchasing two Ancillary Products and using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2020 and newer. 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. Additional discounts may apply. Ask a Representative for details. See Product Details
Terms Up to 48 mos	APR* As low as 5.99%	Estimated Monthly Payment per $1,000 $23.48	Discounted APR¹ As low as 5.24%*	Estimated Monthly Payment per $1,000 $23.14
Terms Up to 66 mos	APR* As low as 6.24%	Estimated Monthly Payment per $1,000 $17.94	Discounted APR¹ As low as 5.49%*	Estimated Monthly Payment per $1,000 $17.59
Terms 67 - 75 mos	APR* As low as 6.74%	Estimated Monthly Payment per $1,000 $16.38	Discounted APR¹ As low as 6.24%*	Estimated Monthly Payment per $1,000 $16.14
Terms 76 - 84 mos	APR* As low as 7.49%	Estimated Monthly Payment per $1,000 $15.33	Discounted APR¹ As low as 6.99%*	Estimated Monthly Payment per $1,000 $15.09

Auto Loans (2015 - 2019)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Monthly Payment per $1,000
Rates effective May 1, 2023 * 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 May 1, 2023 and are subject to change without notice. Rates stated includes a discount for purchasing two Ancillary Products and using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2015 to 2019. 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. Additional discounts my apply. Ask a Representative for details. See Product Details
Terms Up to 48 mos	APR* As low as 6.74%	Estimated Monthly Payment per $1,000 $23.83	Discounted APR¹ As low as 5.99%*	Estimated Monthly Payment per $1,000 $23.48
Terms Up to 66 mos	APR* As low as 6.99%	Estimated Monthly Payment per $1,000 $18.29	Discounted APR¹ As low as 6.24%*	Estimated Monthly Payment per $1,000 $17.94
Terms 67 - 75 mos	APR* As low as 7.49%	Estimated Monthly Payment per $1,000 $16.74	Discounted APR¹ As low as 6.99%*	Estimated Monthly Payment per $1,000 $16.50
Terms 76 - 84 mos	APR* As low as 8.24%	Estimated Monthly Payment per $1,000 $15.71	Discounted APR¹ As low as 7.74%*	Estimated Monthly Payment per $1,000 $15.46

Motorcycle Loans (2020 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*² As low as	Estimated monthly payment per $1,000
Rates effective May 1, 2023 * 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. ²Subject to credit and collateral approval. Rates and terms are effective May 1, 2023 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 6.99%	Estimated monthly payment per $1,000 $23.94	With Ancillary Product Purchase APR² As low as 6.74%*	Estimated monthly payment per $1,000 $23.84
Terms 49 - 66 months	Minimum Loan Amount $7,500	APR* As low as 7.24%	Estimated monthly payment per $1,000 $18.41	With Ancillary Product Purchase APR² As low as 6.99%*	Estimated monthly payment per $1,000 $18.29
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 8.24%	Estimated monthly payment per $1,000 $17.10	With Ancillary Product Purchase APR² As low as 7.99%*	Estimated monthly payment per $1,000 $16.98

Motorcycle Loans (2015 - 2019)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*² As low as	Estimated monthly payment per $1,000
Rates effective May 1, 2023 * 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. ²Subject to credit and collateral approval. Rates and terms are effective May 1, 2023 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 7.99%	Estimated monthly payment per $1,000 $24.41	With Ancillary Product Purchase APR² As low as 7.74%*	Estimated monthly payment per $1,000 $24.29
Terms 49 - 66 months	Minimum Loan Amount $5,000	APR* As low as 8.24%	Estimated monthly payment per $1,000 $18.89	With Ancillary Product Purchase APR² As low as 7.99%*	Estimated monthly payment per $1,000 $18.77
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 9.24%	Estimated monthly payment per $1,000 $17.60	With Ancillary Product Purchase APR² As low as 8.99%*	Estimated monthly payment per $1,000 $17.48

Recreational Vehicles (2020 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*³ As low as	Estimated monthly payment per $1,000
Rates effective May 1, 2023 * 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. ³Subject to credit and collateral approval. Rates and terms are effective May 1, 2023 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 8.49%	Estimated monthly payment per $1,000 $19.02	With Ancillary Product Purchase APR³ As low as 7.99%*	Estimated monthly payment per $1,000 $18.77
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 8.99%	Estimated monthly payment per $1,000 $14.65	With Ancillary Product Purchase APR³ As low as 8.49%*	Estimated monthly payment per $1,000 $14.39
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 9.49%	Estimated monthly payment per $1,000 $11.66	With Ancillary Product Purchase APR³ As low as 8.99%*	Estimated monthly payment per $1,000 $11.37
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 9.99%	Estimated monthly payment per $1,000 $10.74	With Ancillary Product Purchase APR³ As low as 9.49%*	Estimated monthly payment per $1,000 $10.44

Recreational Vehicles (2013 - 2019)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*³ As low as	Estimated monthly payment per $1,000
Rates effective May 1, 2023 * 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. ³Subject to credit and collateral approval. Rates and terms are effective May 1, 2023 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 9.49%	Estimated monthly payment per $1,000 $19.51	With Ancillary Product Purchase APR³ As low as 8.99%*	Estimated monthly payment per $1,000 $19.26
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 9.99%	Estimated monthly payment per $1,000 $15.17	With Ancillary Product Purchase APR³ As low as 9.49%*	Estimated monthly payment per $1,000 $14.91
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 10.49%	Estimated monthly payment per $1,000 $12.24	With Ancillary Product Purchase APR³ As low as 9.99%*	Estimated monthly payment per $1,000 $11.95
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 10.99%	Estimated monthly payment per $1,000 $11.36	With Ancillary Product Purchase APR³ As low as 10.49%*	Estimated monthly payment per $1,000 $11.05

Boats and Sports Craft (2020 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Purchase APR*⁴ As low as	Estimated monthly payment per $1,000
Rates effective May 1, 2023 * 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. ⁴Subject to credit and collateral approval. Rates and terms are effective May 1, 2023 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 10.24%	Estimated monthly payment per $1,000 $19.88	With Ancillary Purchase APR⁴ As low as 9.74%*	Estimated monthly payment per $1,000 $19.63
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 11.24%	Estimated monthly payment per $1,000 $15.84	With Ancillary Purchase APR⁴ As low as 10.74%*	Estimated monthly payment per $1,000 $15.57
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 12.24%	Estimated monthly payment per $1,000 $13.28	With Ancillary Purchase APR⁴ As low as 11.74%*	Estimated monthly payment per $1,000 $12.98

Boats and Sports Craft (2019 and Older)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Purchase APR*⁴ As low as	Estimated monthly payment per $1,000
Rates effective May 1, 2023 * 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. ⁴Subject to credit and collateral approval. Rates and terms are effective May 1, 2023 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 11.24%	Estimated monthly payment per $1,000 $20.38	With Ancillary Purchase APR⁴ As low as 10.74%*	Estimated monthly payment per $1,000 $20.13
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 12.24%	Estimated monthly payment per $1,000 $16.38	With Ancillary Purchase APR⁴ As low as 11.74%*	Estimated monthly payment per $1,000 $16.11
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 13.24%	Estimated monthly payment per $1,000 $13.90	With Ancillary Purchase APR⁴ As low as 12.74%*	Estimated monthly payment per $1,000 $13.59

Visa Credit Cards

Card	APR*
Rates as of April 21, 2023 *APR = Annual Percentage Rate See full summary of rates and terms See Product Details
Card Visa^® Platinum Credit Card	APR* 14.24% - 26.24% APR*
Card Visa^® Platinum Rewards Credit Card	APR* 15.00% - 27.00% APR*

Card

APR*

Rates as of April 21, 2023
*APR = Annual Percentage Rate

See full summary of rates and terms

See Product Details

Card

Visa^® Platinum Credit Card

APR*

14.24% - 26.24% APR*

Card

Visa^® Platinum Rewards Credit Card

APR*

15.00% - 27.00% APR*

Solar and Energy Efficient Loans

Terms	Maximum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Inspired Checking² As low as	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 May 1, 2023 and are subject to change without notice. ¹ Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify. ².25% Inspired Checking rate discount. Rate discount valid on new non-buy down and non-promotional rate solar loans. Limited to one solar discount on one solar loan product only. Setup and maintain automatic loan payment from your Inspired Checking account. 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 months¹	Maximum Loan Amount $80,000	APR* As low as 8.24%	Estimated monthly payment per $1,000 $14.26	With Inspired Checking² As low as 7.99%	Estimated monthly payment per $1,000 $14.13
Terms 97 - 144 months¹	Maximum Loan Amount $80,000	APR* As low as 9.24%	Estimated monthly payment per $1,000 $11.52	With Inspired Checking² As low as 8.99%	Estimated monthly payment per $1,000 $11.37
Terms 145 - 240 months¹	Maximum Loan Amount $80,000	APR* As low as 9.74%	Estimated monthly payment per $1,000 $9.48	With Inspired Checking² As low as 9.49%	Estimated monthly payment per $1,000 $9.31

Personal Loans

Loan Type	Terms	Loan Amount	With Ancillary Product Purchase APR*¹ As low as	Estimated monthly payment per $1,000
Rates effective May 1, 2023 * 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. ¹ Rates stated includes a discount of 0.25% APR with the purchase of an ancillary product. ² 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	Loan Amount $500 - $25,000	With Ancillary Product Purchase APR*¹ As low as 11.74%	Estimated monthly payment per $1,000 $22.11
Loan Type Bill Consolidation Loan	Terms Up to 60 months	Loan Amount $500 - $20,000	With Ancillary Product Purchase APR*¹ As low as 15.74%	Estimated monthly payment per $1,000 $24.18
Loan Type Loan Type	Terms Terms	Loan Amount Min. Loan Amount	With Ancillary Product Purchase APR¹ As low as APR	Estimated monthly payment per $1,000
Loan Type Share Secured²	Terms Up to 120 months	Loan Amount $100	With Ancillary Product Purchase APR¹ As low as Savings rate + 3% APR	Estimated monthly payment per $1,000
Loan Type Certificate Secured²	Terms 60 months or up to certificate term	Loan Amount $500	With Ancillary Product Purchase APR¹ As low as Certificate rate + 3% APR	Estimated monthly payment per $1,000

Line of Credit

Loan Type	Maximum Loan Amount	APR* As low as
Rates effective May 1, 2023 * 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. ³ Rate stated include a discount of 0.25% APR with the purchase of an ancillary product.
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 13.49%³

Loan Type

Maximum Loan Amount

APR*
As low as

Rates effective May 1, 2023

* 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.

³ Rate stated include a discount of 0.25% APR with the purchase of an ancillary product.

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

13.49%³

Home Equity Line of Credit - W/Disclosures

Combined Loan-To-Value (CLTV)	Loan Amount	Rate (as low as)	Introductory APR¹ (as low as)	Points
Disclosures APR = Annual Percentage Rate. Rates and terms effective 05/19/2023 and are subject to change without notice. Other terms and conditions may apply. Membership is required. ¹ HELOC Introductory Rate. The initial APR is “discounted”. Rate will be in effect for a period of 12 months from the signing date of the Home Equity Line of Credit Agreement and Disclosure Statement. Thereafter, the APR will be determined as set forth in the Home Equity Line of Credit Agreement and Disclosure Statement and the variable rate may adjust monthly based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin. All loans are subject to approval. The APR will not decrease below 3.99%. The APR cannot exceed 18.00%. The APR may vary based upon the collateral, amount financed and credit history. You may obtain advances for 10 years. This period is called the “draw period.” During the draw period your payments will be due monthly and will equal the periodic interest finance charges accrued on the outstanding balance during the billing period, plus any amount that is past due, plus any other finance charges imposed during the billing cycle. Your minimum monthly payment during the draw period may not reduce the principal that is outstanding on your line. Minimum Payment Example.* The information provided is based on an initial $10,000 advance at funding. The property is an existing single family home and used as a primary residence. The assumed credit score is 720 with an assumed CLTV of 75% or less and a credit limit of $100,000 or less. During Draw Period 12 payments of $60.33 at an initial interest rate of 7.24% 108 payments of $77.08 at a variable interest rate of 9.25% During Repayment Period 239 payments of $91.66 at a variable interest rate of 9.25% 1 payment of $88.11 at a variable interest rate of 9.25% ³ 75% max CLTV for owner-occupied primary residence and a loan amount of up to $100,000. 65% max CLTV for owner-occupied primary residence and a loan amount of up to $250,000. Additional CLTV restrictions may apply for non-owner occupied primary residences, vacation/2nd homes & investment/rental properties. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. ⁴ The interest on your home equity financing may be tax deductible. Consult your tax adviser regarding deductibility of interest. See Product Details
Combined Loan-To-Value (CLTV) Up to 75%	Loan Amount Up to $250,000	Rate (as low as) 7.240%	Introductory APR¹ (as low as) 7.240%	Points 0.000

Combined Loan-To-Value (CLTV)

Loan Amount

Rate
(as low as)

Introductory APR¹
(as low as)

Points

Disclosures

*APR = Annual Percentage Rate. Rates and terms effective 05/19/2023 and are subject to change without notice. Other terms and conditions may apply. Membership is required.

¹ HELOC Introductory Rate. The initial APR is “discounted”. Rate will be in effect for a period of 12 months from the signing date of the Home Equity Line of Credit Agreement and Disclosure Statement. Thereafter, the APR will be determined as set forth in the Home Equity Line of Credit Agreement and Disclosure Statement and the variable rate may adjust monthly based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin. All loans are subject to approval. The APR will not decrease below 3.99%. The APR cannot exceed 18.00%. The APR may vary based upon the collateral, amount financed and credit history.

You may obtain advances for 10 years. This period is called the “draw period.” During the draw period your payments will be due monthly and will equal the periodic interest finance charges accrued on the outstanding balance during the billing period, plus any amount that is past due, plus any other finance charges imposed during the billing cycle. Your minimum monthly payment during the draw period may not reduce the principal that is outstanding on your line.

Minimum Payment Example. The information provided is based on an initial $10,000 advance at funding. The property is an existing single family home and used as a primary residence. The assumed credit score is 720 with an assumed CLTV of 75% or less and a credit limit of $100,000 or less.

During Draw Period

12 payments of $60.33 at an initial interest rate of 7.24%
108 payments of $77.08 at a variable interest rate of 9.25%

During Repayment Period

239 payments of $91.66 at a variable interest rate of 9.25%
1 payment of $88.11 at a variable interest rate of 9.25%

³ 75% max CLTV for owner-occupied primary residence and a loan amount of up to $100,000. 65% max CLTV for owner-occupied primary residence and a loan amount of up to $250,000. Additional CLTV restrictions may apply for non-owner occupied primary residences, vacation/2nd homes & investment/rental properties. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply.

⁴ The interest on your home equity financing may be tax deductible. Consult your tax adviser regarding deductibility of interest.

See Product Details

Combined Loan-To-Value (CLTV)

Up to 75%

Loan Amount

Up to $250,000

Rate
(as low as)

7.240%

Introductory APR¹
(as low as)

7.240%

Points

0.000

Current Mortgage Rate Sheet

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