Rates

Model Year	Term	APR* as low as
2020 & newer	up to 36 months	2.49%
	48 months	2.74%
	60 months	2.99%
	75 months	3.24%
	84 months 1	3.74%
2016 - 2019	up to 36 months	2.99%
	48 months	3.24%
	60 months	3.49%
	75 months	3.74%
	84 months 2	4.24%
2012 - 2015	up to 36 months	4.49%
	48 months	4.74%
	60 months	4.99%
	75 months 3	5.24%
2011 & older	up to 36 months	6.24%
	48 months	6.49%
	60 months	6.99%

*APR means Annual Percentage Rate. For any loan where the mileage is OVER 100,000 miles, .25% will be added to the APR. The term and rate offered to you will be determined by your credit history. ¹Term 76-84 months only available for loans $25,000 and over. ²Term 76-84 months only available for loans $25,000 and over. ³Term 61-75 months only available for 2014 and 2015 model years only.

Model Year	Term	APR** as low as
2020 & newer	up to 36 months	3.49%
	37-60 months	3.99%
	61-84 months	4.74%
	85-120 months1	4.99%
	121-180 months2	5.74%
2016-2019	up to 36 months	3.99%
	37-60 months	4.49%
	61-84 months	5.24%
	85-120 months1	5.49%
	121-180 months2	6.24%
2015 & older	up to 36 months	4.99%
	37-60 months	5.49%
	61-84 months	6.24%
	85-120 months1	7.24%

*For recreational purposes only. **APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history. ¹Term 85-120 months only available for loans $25,000 and over.²Term 121-180 months only available for loans $30,000 and over.

(ATV, Jet Ski and Snowmobile)

Term	APR* as low as
up to 36 months	5.49%
48 months	5.74%
60 months	6.24%
72 months**	6.74%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history. **Term 61-72 months only available for loans $15,000 and over.

Model Year	Term	APR* as low as
2020 & newer	up to 36 months	3.24%
	48 months	3.49%
	60 months	3.74%
	72 months	3.99%
2016 - 2019	up to 36 months	3.49%
	48 months	3.74%
	60 months	3.99%
2015 & older	up to 36 months	6.74%
	48 months	6.99%
	60 months	7.24%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history.

Term	APR* as low as
up to 24 months	4.99%
25-36 months	5.99%
37-60 months	6.99%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history.

Term	APR* as low as
Revolving Line of Credit	8.49%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history.

Term	APR*
up to 60 months	2.74%
120 months	4.24%

*APR means Annual Percentage Rate.

Term	APR* as low as
up to 60 months	3.74%
120 months	4.24%
180 months	4.60%

*APR means Annual Percentage Rate. The rate offered to you will be determined by your credit history, lien position and loan to value. Home Equity Loans are not available in some states. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $300 to $1,800.

Current APR* as low as 4.00%
Introductory Limited Time Offer**
Special rate of 1.99% APR fixed for the first 12 months of the loan. The rate on your loan after the first 12 months will adjust to the below range in effect. The APR on your loan could adjust between 4% and 18%

*APR means Annual Percentage Rate. This is a variable rate loan. Rates are based on the Prime Rate effective the first of each month and are adjusted monthly at the end of the month. The rate you receive is based on your credit history, lien position, and loan to value. Homeowner's insurance is required. Home Equity Loans are not available in some states. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $300 to $1,800. **Promotional rate does not apply to advances for credit life and credit disability insurance premiums.

Term	APR* as low as
36 months	4.99%
60 months	5.99%
84 months	6.99%
120 months	7.99%
180 months	8.99%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history.

 

Discount points are also available on mortgage loans. We offer either 1 point or 2 points that can be purchased. Please call us at 800-677-8506 for details.

Financing is offered in FL, MD, NY, NC, PA, and SC¹

• Conventional
• Construction/Renovation²
• Adjustable Rate Options
• Low Down Payment Options
• VA (eligible active-duty service members and veterans in NC, NY, PA)
• Vacation/Second Home
• Investment Property²
• Lot Loans²
• Jumbo

* APR means Annual Percentage Rate.

¹South Carolina online applications are open to properties in Horry, Georgetown, and Richland counties. For all other counties, please give us a call at 800-677-8506 or email to schedule an appointment by phone to apply.

²Not available through our online application at this time. For more information, or to apply, please give us a call at 800-677-8506 or email us today.

 

Interest Rates and Interest Charges

Card Type	Annual Percentage Rate (APR) for Purchases
Visa Traditional	9.74% to 12.74%, when you open your account, based on your creditworthiness.   **This APR will vary with the market based on the Prime Rate.
Visa Platinum Rewards	12.74% to 15.74%, when you open your account, based on your creditworthiness.   **This APR will vary with the market based on the Prime Rate.
Visa Signature Rewards +	11.74% to 14.74%, when you open your account, based on your creditworthiness.   **This APR will vary with the market based on the Prime Rate.

 

Card Type	APR for Balance Transfers
Visa Traditional	9.74% to 12.74%, when you open your account, based on your creditworthiness.     **This APR will vary with the market based on the Prime Rate.
Visa Platinum Rewards	12.74% to 15.74%, when you open your account, based on your creditworthiness.     **This APR will vary with the market based on the Prime Rate.
Visa Signature Rewards+	11.74% to 14.74%, when you open your account, based on your creditworthiness.     **This APR will vary with the market based on the Prime Rate.

 

Card Type	APR for Cash Advances
Visa Traditional	17.99%
Visa Platinum Rewards	17.99%
Visa Signature Rewards+	17.99%

Effective Date:

The information about the costs of the card described in this application is accurate as of: May 1, 2022.
This information may have changed after that date. To find out what may have changed, contact the Credit Union at 1-800-677-8506.

 

**The rate offered to you will be determined by your credit history. Approval subject to credit qualifications and lending guidelines.

Please refer to the Credit Card Disclosures and Credit Card Agreement (PDF) for additional important information.

$1,000 Minimum Deposit

Certificate Term1	Dividend Rate*	APY**
3 months	0.20%	0.20%
6 months	0.30%	0.30%
12 months	0.45%	0.45%
18 months	0.50%	0.50%
24 months	0.55%	0.55%
36 months	0.65%	0.65%
48 months	0.75%	0.75%
60 months	0.90%	0.90%

¹Early withdrawal penalties on certificates may apply.

*Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

$1,000 Minimum Deposit

Certificate Term1	Dividend Rate*	APY**
3 months	0.20%	0.20%
6 months	0.30%	0.30%
12 months	0.45%	0.45%
18 months	0.50%	0.50%
24 months	0.55%	0.55%
36 months	0.65%	0.65%
48 months	0.75%	0.75%
60 months	0.90%	0.90%

¹Early withdrawal penalties on certificates may apply.

*Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

$100,000 Minimum Deposit

Certificate Term1	Dividend Rate*	APY**
3 months	0.25%	0.25%
6 months	0.35%	0.35%
12 months	0.50%	0.50%
18 months	0.55%	0.55%
24 months	0.60%	0.60%
36 months	0.70%	0.70%
48 months	0.80%	0.80%
60 months	0.95%	0.95%

¹Early withdrawal penalties on certificates may apply.

*Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

$100,000 Minimum Deposit

Certificate Term1	Dividend Rate*	APY**
3 months	0.25%	0.25%
6 months	0.35%	0.35%
12 months	0.50%	0.50%
18 months	0.55%	0.55%
24 months	0.60%	0.60%
36 months	0.70%	0.70%
48 months	0.80%	0.80%
60 months	0.95%	0.95%

¹Early withdrawal penalties on certificates may apply.

*Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Account Balance	Dividend Rate*	APY**
$2,500 to $24,999	0.25%	0.25%
$25,000 to $99,999	0.35%	0.35%
$100,000 to $249,999	0.50%	0.50%
$250,000 and over	0.60%	0.60%

¹ The dividend rate on Money Market Accounts is paid on the entire balance in the account as of the close of business that day. Money Market Accounts do not earn a dividend any day the balance falls below $2,500 as of end of business that day. The minimum deposit or withdrawal is $250, unless done by allocation. Dividends are paid monthly.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Account Type	Dividend Rate*	APY**
Business Checking Account 1	0.05%	0.05%

¹ Dividends are paid on any day when the balance in the account at the end of the day is $4,000.00 or more.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Account Balance	Dividend Rate*	APY**
$0 to $2,499	0.10%	0.10%
$2,500 to $9,999	0.15%	0.15%
$10,000 to $24,999	0.20%	0.20%
$25,000 and over	0.30%	0.30%

¹ The dividend rate on the Business Share Savings and Business All Purpose Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Account Balance	Dividend Rate*	APY**
$0 to $2,499	0.10%	0.10%
$2,500 to $9,999	0.15%	0.15%
$10,000 to $24,999	0.20%	0.20%
$25,000 and over	0.30%	0.30%

¹ The dividend rate on the Business Share Savings and Business All Purpose Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

$1,000 Minimum Deposit

Certificate Term1	Dividend Rate*	APY**
3 months	0.20%	0.20%
6 months	0.30%	0.30%
12 months	0.45%	0.45%
18 months	0.50%	0.50%
24 months	0.55%	0.55%
36 months	0.65%	0.65%
48 months	0.75%	0.75%
60 months	0.90%	0.90%

¹Early withdrawal penalties on certificates may apply.

*Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

$1,000 Minimum Deposit

Certificate Term1	Dividend Rate*	APY**
3 months	0.20%	0.20%
6 months	0.30%	0.30%
12 months	0.45%	0.45%
18 months	0.50%	0.50%
24 months	0.55%	0.55%
36 months	0.65%	0.65%
48 months	0.75%	0.75%
60 months	0.90%	0.90%

¹Early withdrawal penalties on certificates may apply.

*Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

$100,000 Minimum Deposit

Certificate Term1	Dividend Rate*	APY**
3 months	0.25%	0.25%
6 months	0.35%	0.35%
12 months	0.50%	0.50%
18 months	0.55%	0.55%
24 months	0.60%	0.60%
36 months	0.70%	0.70%
48 months	0.80%	0.80%
60 months	0.95%	0.95%

¹Early withdrawal penalties on certificates may apply.

*Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

$100,000 Minimum Deposit

Certificate Term1	Dividend Rate*	APY**
3 months	0.25%	0.25%
6 months	0.35%	0.35%
12 months	0.50%	0.50%
18 months	0.55%	0.55%
24 months	0.60%	0.60%
36 months	0.70%	0.70%
48 months	0.80%	0.80%
60 months	0.95%	0.95%

¹Early withdrawal penalties on certificates may apply.

*Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Account Balance	Dividend Rate*	APY**
$2,500 to $24,999	0.25%	0.25%
$25,000 to $99,999	0.35%	0.35%
$100,000 to $249,999	0.50%	0.50%
$250,000 and over	0.60%	0.60%

¹ The dividend rate on Business Money Market Accounts is paid on the entire balance in the account as of close of business for that day. Business Money Market Accounts are subject to all the same terms and conditions as those described for Business Share Savings Accounts in the Business Account Agreement with the exception of the following terms: The minimum deposit or withdrawal is $250, unless done by allocation. Business Money Market Accounts do not earn a dividend any day the balance falls below $2500 as of end of business for that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Type	APR*
Initial Annual Percentage Rate for Purchases	5.99% for six months**
Variable Rate	9.99% - 12.99%
Annual Percentage Rate for Advances other than Purchases	17.99%

*APR means Annual Percentage Rate. The rate offered to you will be determined by your credit history. **This offer is only available for six months and will be charged a 5.99% APR on purchases until the last day of your sixth billing period after six months from the first billing period. After that date, the 5.99% APR will expire and the APR for all outstanding purchases will be the APR you are approved for on such date. All payments will be applied to balances with the highest APRs first. Your APR for all other advances will remain the same. Approval subject to credit qualifications and lending guidelines.
Please refer to the Business Credit Card Disclosures for additional important information.