Rates

Certificates

Regular, IRA & Business Certificates

Minimum to open is $1,000.00

Term	Dividend Rate	APY
3 months	3.79%	3.86%
6 months	4.01%	4.08%
1 year	4.06%	4.14%
18 months	4.07%	4.15%
2 years	4.09%	4.17%
3 years	4.15%	4.23%
4 years	4.21%	4.29%
5 years	4.40%	4.49%

Regular, IRA & Business Junior Jumbo Certificates

Minimum to open is $25,000.00

Term	Dividend Rate	APY
3 months	3.89%	3.96%
6 months	4.11%	4.19%
1 year	4.16%	4.24%
18 months	4.17%	4.25%
2 years	4.19%	4.27%
3 years	4.25%	4.33%
4 years	4.31%	4.40%
5 years	4.50%	4.59%

Regular, IRA & Business Jumbo Certificates

Minimum to open is $50,000.00

Term	Dividend Rate	APY
3 months	3.99%	4.06%
6 months	4.21%	4.29%
1 year	4.26%	4.34%
18 months	4.27%	4.35%
2 years	4.29%	4.38%
3 years	4.35%	4.44%
4 years	4.41%	4.50%
5 years	4.60%	4.70%

Milestone Certificate

Minimum to open is $100.00

The Milestone Certificate is an add-on certificate that gives you the freedom to save at your own pace while still earning a premium rate. Features include: - One-year term - Open with as little as $100 - Add funds to your certificate at an Advancial branch, over the phone or through cuAnywhere® Online Banking After the $100 opening deposit, you'll be rewarded with higher yields for each milestone you reach. Increase your savings and you'll increase your rate.

Money Musketeers^® Starter Certificate¹

Minimum to open is $100.00

Term	Dividend Rate	APY
Starter Certificate	4.06%	4.14%

¹ Must meet age requirements to participate.

Dinero Teens^® Starter Certificate¹

Minimum to open is $250.00

Term	Dividend Rate	APY
Starter Certificate	4.06%	4.14%

¹ Must meet age requirements to participate. All IRA account types include Traditional and Roth IRAs. The APY figure assumes the principal and earned dividends remain on deposit until maturity. Fees may reduce earnings. There is a penalty for early withdrawal.

Money Market

Daily Balance Required	Dividend Rate	APY
$2,500.00	0.46%	0.46%
$25,000.00	0.51%	0.51%
$50,000.00	0.56%	0.56%

Premium Money Market

Daily Balance Required	Dividend Rate	APY
$100,000.00	1.21%	1.22%

Business Money Market

Daily Balance Required	Dividend Rate	APY
$2,500.00	0.46%	0.46%
$25,000.00	0.51%	0.51%
$50,000.00	0.56%	0.56%

Savings

Daily Balance Required	Dividend Rate	APY
$100.00	0.10%	0.10%

IRA Savings

Daily Balance Required	Dividend Rate	APY
$25.00	0.30%	0.30%

Money Musketeers Savings

Daily Balance Required	Dividend Rate	APY
$5.00	0.10%	0.10%

Dinero Teens Savings

Daily Balance Required	Dividend Rate	APY
$100.00	0.10%	0.10%

Business Savings

Daily Balance Required	Dividend Rate	APY
$100.00	0.10%	0.10%

Checking

Ultimate Checking

Daily Balance Required	Dividend Rate	APY
$0.01	0.03%	0.03%
$10,000.00	0.10%	0.10%

Business Rewards Checking

Daily Balance Required	Dividend Rate	APY
$0.01	0.03%	0.03%

Dinero Teens

Daily Balance Required	Dividend Rate	APY
$0.01	0.03%	0.03%
$10,000.00	0.10%	0.10%

Loans

Vehicle Loans

Term	3 yr.	4 yr.	5 yr.	6 yr.	7 yr.	10 yr.	12 yr.	15 yr.
Automobiles	6.31%	6.33%	6.35%	7.02%	7.55%
Boats		6.44%	6.48%	6.49%	6.51%	6.59%	6.61%	7.00%
Motor Homes & Travel Trailers		7.08%	7.13%	7.14%	7.17%	7.18%	7.23%	7.30%
Motorcycles, Jet Skis, ATVs & Pop-up Campers¹	7.31%	7.34%	7.36%	7.41%
Lease	Contact your branch or call us at 1.800.322.2709 for more information and help finding your next vehicle.

Advertised as low as APR (Annual Percentage Rate) assumes excellent borrower credit history and includes a discount of 0.25% APR for enrollment in automatic loan payments. Auto loan rates may be adjusted up to .50% lower or higher based on the final loan-to-value amount. For classic cars (25+ years) add 1.00% to the advertised rate. Your actual APR will depend on your credit history and credit transaction. Contact us or apply online to have us calculate your rate. Loans secured by new or used collateral are subject to the collateral’s MSRP or NADA Retail value at the time of the loan. MSRP or NADA Retail value greater than $20,000 required for 6-year automobile terms and greater than $35,000 for 7-year automobile terms. Monthly payment amounts vary by loan term and rate. For example, an amount financed of $20,000 with an APR of 6.35% and a term of 60 months would have a monthly payment of $389.92. Payment example is for educational purposes only and may not reflect our current or actual loan rate offers or available percentage rates.

Home Equity Loans

Term	3 yr.	4 yr.	5 yr.	6 yr.	7 yr.	10 yr.	15 yr.
Home Equity and Improvement¹	6.49%	6.52%	6.56%	6.68%	6.71%	6.78%	6.88%
Home Equity Line of Credit	Rate as low as 5.50% until 6/30/23. After 6/30/23, the rate will be based on WSJ Prime + 2.5% or + 3.5%. Your rate will depend on your credit history. No application fee. Interest only during the draw period. Maximum APR 18%. Minimum loan advance $4,000.

All interest rates shown as Annual Percentage Rate (APR) and are contingent upon approved credit. Rates shown are the lowest available rates for the products advertised. Not all applicants will qualify for the lowest rate. Your rate will be determined by the loan type, the terms you request and your credit history. Interest rates, down payment requirements and financing terms for all loan programs are subject to change without notice. Offers for all loan programs may be withdrawn or extended without prior notification. Amounts to be financed and down payment requirements for all loan programs could affect the length or repayment term contracts.

Personal Loans

Term	3 yr.	4 yr.	5 yr.	6 yr.	7 yr.
Advancial Assistance Loans¹	6.49%	6.52%	6.56%	6.68%	6.71%
Stock-Secured Loan²	6.80%	6.81%	6.93%
True Line of Credit	The term of these loan types is open-ended.
Signature Loan	Rates as low as 8.90%
Savings-Secured Loan	Certificate-Secured Loans are quoted at 2% above the certificate pledged as collateral
Student Loan	Student loan rate is prime + 1% which changes July 1 of every year

All interest rates shown as Annual Percentage Rate (APR) Terms are personalized for each member. Rate will be based on term selected. Maximum term of 84 months. Maximum loan amount of $20,000. In the case of a natural disaster, documented proof of loss or purchase of preventative measures may be required. Examples of proof of loss are (1) copy of a submitted FEMA application, (2) copy of a submitted insurance claim, (3) photos of property damage, (4) copy of contractor’s bid to repair damages or (5) purchase order or invoice for a preventative improvement, including but not limited to a storm cellar, a hardwired generator or storm windows
All interest rates shown as Annual Percentage Rate (APR) and are contingent upon approved credit. Rates shown are the lowest available rates for the products advertised. Not all applicants will qualify for the lowest rate. Your rate will be determined by the loan type, the terms you request and your credit history. Interest rates, down payment requirements and financing terms for all loan programs are subject to change without notice. Offers for all loan programs may be withdrawn or extended without prior notification. Amounts to be financed and down payment requirements for all loan programs could affect the length or repayment term contracts.

Mortgages

Loan Programs	Rate (as low as)	APR (as low as)	Discount Points	Origination Point
30 Yr Fixed	6.125%	6.41%	1.14%	0.00%
20 Yr Fixed	6.000%	6.30%	1.04%	0.00%
15 Yr Fixed	5.500%	5.80%	0.98%	0.00%
3/1 Adjustable	6.750%	6.96%	0.00%	0.00%
5/1 Adjustable	6.875%	7.10%	0.00%	0.00%
7/1 Adjustable	7.000%	7.23%	0.00%	0.00%

All rates are subject to change without prior notification. Contact us for current rates, fees and other terms that may apply to our accounts at 800.322.2709 or 214.880.0141. Please contact us at 1.888.876.2328 for information on other mortgage loans not advertised. Monthly payment amounts vary by loan term and rate. For example, a fixed rate mortgage amount of $200,000 for 30 years at an APR of 4.00% would yield a payment of $954.83. For a 7/1 ARM the minimum payment is $912.10 over 84 months at 3.686% APR after which your loan will be $1,005.21 over 12 months 4.724% APR. Rates and/or points are subject to change at any time until you apply for a loan and “lock-in” a rate. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Rates and points vary widely for loan amounts above $726,200** (see below), and/or for investment property loans. **Jumbo rates are for loan amounts exceeding $726,200 ($1,089,300 in Alaska, Hawaii, Guam and the U.S. Virgin Islands). For properties in New York, add .250 loan origination fee. Each quote above represents a “lock-in” period of 30 days, meaning that if you applied for a loan today and choose to “lock-in.” We will guarantee the rate and points for 30 days. Each quote based on a purchase money mortgage with a minimum loan amount of $250,000 (except Jumbo loans). Mortgage rates assume a 75% Loan–To-Value on an owner occupied property. Taxes and insurance not included, therefore the actual payment obligation will be greater. Your actual rate may be higher depending upon your creditworthiness. INTEREST RATE ADJUSTMENTS. Your interest rate under an ARM can change after 84 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 2.00 percentage points at first adjustment and 2.00 percentage points per subsequent adjustment from the initial interest rate, excluding any buydown. Your interest rate will never be greater than 6.00 percentage points above the initial interest rate. HOW YOUR PAYMENTS ARE DETERMINED. Your initial monthly payment of principal and interest will be determined based on the interest rate, loan term, and balance when your loan is closed. If your interest rate changes, your payment will be adjusted to fully amortize the loan by the end of the loan term. Frequency of Payment Changes. Based on increases or decreases in the index, payment amounts under this ARM loan can increase or decrease substantially after 84 months and every 12 months thereafter. However, your monthly payment amount could change more frequently if there is a change in the taxes, assessments, insurance premiums, or other charges required to be made into an escrow or impound account. Adjustment Notices. You will be notified at least annually if interest rate changes occur. When an interest rate change will also involve a change in your monthly payment, you will be notified in writing (at least 25 calendar days, but not more than 120 calendar days) before the payment at the new level is due. The notice will indicate the adjusted payment amount, interest rate, Index value, and the outstanding loan balance at the time.

Credit Cards

Credit Card Program	APR (as low as) All interest rates shown as Annual Percentage Rate (APR) and are contingent upon approved credit. Rates shown are the lowest available rates for the products advertised. Not all applicants will qualify for the lowest rate. Your rate will be determined by the loan type, the terms you request and your credit history. Interest rates, down payment requirements and financing terms for all loan programs are subject to change without notice. Offers for all loan programs may be withdrawn or extended without prior notification. Amounts to be financed and down payment requirements for all loan programs could affect the length or repayment term contracts.
Visa^® Rewards Plus	8.90%
Dinero Visa	9.90%
Savings Secured Visa	16.90%
Visa Business	11.90%

Rates effective from 06/01/2023 through 06/30/2023

All rates are subject to change without prior notification. All rates and yields published for Money Markets, Savings and Checking are the prospective rates and yields for the current period. Contact us for current rates, fees and other terms that may apply to our accounts at 800.322.2709 or 214.880.0141.

Please contact us at 1.888.876.2328 for information on other mortgage loans not advertised.