Loan Rates Effective August 20, 2019

Loan Options	Terms	APR*	Min. Loan
Personal (Signature) Loans	Up to 5 Years	6.15%	$500
New & Used Vehicles	2-6 Years	3.49%**	$500
Overdraft Protection Line of Credit	Revolving	15.00%	$500
Share Certificate Secured	Up to 120 mos	Secured Savings Rate + 2%	$500

** Higher rates apply for terms over 5 years. Vehicle age limits apply.

VISA Credit Card Loan Rates

	VISA Platinum	VISA Platinum Rewards
Limit	$25,000	$25,000
Annual Percentage Rate On Purchases	10.90% Variable	8.99% Variable
Minimum Payment	3% of Balance or $25	3% of Balance or $25
Grace Period for Repayment Of Balance of Purchase	25 days	25 days
Method of Computing the Balance of Purchases	Average Daily Balance including current transaction	Average Daily Balance including current transaction
Annual Fee	No Annual Fee	No Annual Fee
Late Fee (10 days after Due Date)	$25	$25
Balance Transfer Fee	No Balance Transfer Fee	No Balance Transfer Fee
Cash Advance Fee	3%	3%
Rewards		1.5% Cash Back

Mortgage Rates

	RATE	APR*
7/1 Adjustable Rate Mortgage	3.375%	4.304%
Conventional 10 Year Fixed Rate	3.125%	3.336%
Conventional 15 Year Fixed Rate	3.125%	3.274%
Conventional 30 Year Fixed Rate	3.625%	3.710%
FHA 30 Year Fixed Rate	3.125%	3.911%

All stated mortgage rates are effective as of 08/20/19 and are based on a home purchase transaction of $250,000, a minimum down payment of $50,000, a loan amount of $200,000 and repayments term as stated. The stated APR is the lender’s standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual’s credit history and transaction specific underwriting factors. 30-year term = 360 months and applies to 30 year conventional and FHA loans. 15-year term = 180 months and applies to 15 year conventional loans. 10-year term = 120 months and applies to 10 year conventional loans. All loan programs, rates, terms and conditions are subject to change at any time without notice. Rate scenarios are based on a 30-day lock.

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