Auto, Truck & Motorcycle Loan Term In Months Fixed Rate APR* Variable Rate Fixed Payment** To – 24 1.75% Introductory First 6 Months 0.99% After Introductory Period Prime + 1.00% 25 – 36 3.25% 37 – 48 3.75% 49 – 60 4.00% 61 – 72 4.50% 73 – 841 4.75% Rates Reflect 1.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%), Incite Rewards Redemption (0.25%), Vantage Credit Score 680+ (1.00%). Discount applies to fixed rate loans only. 184 month term applies to new autos only. Boat and RV Loan Term In Months Fixed Rate APR* Variable Rate Fixed Payment** To – 24 6.50% Introductory First 6 Months 4.50% After Introductory Period Prime + 3.00% 25 – 36 6.50% 37 – 48 6.50% 49 – 60 6.75% 61 – 72 7.00% 73 – 84 8.00% 85 – 120 8.50% Rates Reflect 0.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only. Outdoor Activity Loan Term In Months Fixed Rate APR* Variable Rate Fixed Payment** To – 24 7.25% Introductory First 6 Months 4.50% After Introductory Period Prime + 4.00% 25 – 36 7.25% 37 – 48 7.50% 49 – 60 7.75% Rates Reflect 0.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only. Personal Unsecured Loan Term In Months Fixed Rate APR* Variable Rate Fixed Payment** To – 24 8.25% Introductory First 6 Months 4.50% After Introductory Period Prime + 6.00% 25 – 36 12.25% 37 – 48 13.25% 49 – 60 13.25% Rates Reflect 0.75% Member Loyalty Discount Rates include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards Redemption (0.25%). Minimum Loan $500 | Maximum Loan $15,000.00 STUDENT & EDUCATIONAL LoanS Index/Margin*** APR* Undergraduate Student Loan Programs Click for Details Student Loan Refinance Program Consolidate Existing Student Loans Click for Details CU Educational Loan Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University $5,000 per school year, $15,000 maximum aggregate, 120 month term, 1% Origination Fee. Prime + 2.00% 7.50% CA$HFlow Credit (Overdraft Protection) Index/Margin*** APR* Revolving Prime + 10.00% 15.50% Monthly payment is 2.00% of total outstanding balance or $25.00, whichever is greater. Overdraft is protection for your Checking Account. Limits of $250 to $15,000 Available Savings Secured Loan Annual Percentage Rate Up to 60 Months 4.25% Minimum monthly payment $35.00 Savings Secured Line of Credit APR* Revolving 9.90% Monthly Payment are calculated by costs per $100 of amount financed: $0.01 - $4000.00 $3.50 $4000.01 - $6000.00 $3.00 $6000.01 - $8000.00 $2.50 $8000.01 and over $2.40 Minimum Limit - $500 | Maximum Limit - $25,000.00 Certificate of Deposit Secured Loan Term Annual Percentage Rate Up to 36 Months Certificate Rate + 3.00% Limits available from $500 up to certificate balance. Home Equity Line of Credit Term Maximum Amount Annual Percentage Rate Term: Up to 20 Years Draw Period: 10 Years (included in repayment term) 80% Loan to Value (CLTV) Introductory First 12 Months 3.50% After Introductory Period Prime + 1.00% Term: Up to 25 Years Draw Period: 10 Years (included in repayment term) 100% Loan to Value (CLTV) Prime + 2.50% Not to exceed $250,000.00 Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin. Home Equity Loan Term Maximum Amount Fixed APR* Up to 15 years 80% Loan to Value (CLTV) 3.99% Up to 20 years 100% Loan to Value (CLTV) 8.00% Prime Rate + 2.50% Not to exceed $250,000.00 Home Improvement Term Maximum Amount Annual Percentage Rate Up to 20 years 133% Loan to Value (CLTV) 10.00% 7 years $15,000 9.24% 6 years $15,000 7.99% 5 years $15,000 7.74% 4 years $15,000 7.49% 3 years $15,000 7.24% Minimum Loan $1,000.00 Purchase Money Second Mortgage Term Maximum Amount Fixed APR* Up to 30 years 100% Loan to Value (CLTV) Mortgage Rate + 2.00% Mortgage Annual Percentage Rate Mortgage Programs Check Rates