Rates: Mortgages

Model Year	Term	APR* as low as
2016 & newer	up to 36 months	3.24%
	48 months	3.49%
	60 months	3.74%
	75 months	3.99%
	84 months 1	4.99%
2012 - 2015	up to 36 months	3.49%
	48 months	3.74%
	60 months	3.99%
	75 months	4.24%
	84 months 2	5.24%
2008 - 2011	up to 36 months	4.24%
	48 months	4.49%
	60 months	4.74%
	66 months 3	4.99%
2007 & older	up to 36 months	6.74%
	48 months	6.99%
	60 months	7.49%

*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. ¹ Term 76-84 months only available for loans $30,000 and over. ² Term 76-84 months only available for loans $30,000 and over and 2015 or newer model years.³ Term 61-66 months only available for 2010 and 2011 model years only.

Model Year	Term	APR** as low as
2013 & newer	up to 36 months	4.49%
	60 months	4.99%
	96 months (minimum loan $25,000)	5.74%
	120 months (minimum loan $35,000)	6.74%
	180 months (minimum loan $45,000)	7.74%
2012 & older	up to 36 months	6.49%
	60 months	6.99%
	96 months (minimum loan $25,000)	7.74%
	120 months (minimum loan $35,000)	8.74%

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

(ATV, Jet Ski and Snowmobile)

Term	APR* as low as
up to 36 months	5.99%
48 months	6.24%
60 months	6.74%
72 months**	7.24%

*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
2016 & newer	up to 36 months	3.74%
	48 months	3.99%
	60 months	4.24%
	72 months	4.49%
2012 - 2015	up to 36 months	3.99%
	48 months	4.24%
	60 months	4.49%
2011 & older	up to 36 months	7.24%
	48 months	7.49%
	60 months	7.74%

*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 12 months	5.49%
24 months	6.49%
36 months	7.49%
60 months	8.49%

*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	2.24%
120 months	3.99%

*APR means Annual Percentage Rate.

Term	APR* as low as
up to 60 months	3.49%
120 months	4.74%
180 months	5.24%

*APR means Annual Percentage Rate. The rate offered to you will be determined by your credit history and the location of your property. Home Equity Loans are not available in some states and amount financed may vary by state. 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 5.00%
Introductory Limited Time Offer**
Special rate of 2.99% 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 and the loan to value options available are based on your credit history. Homeowner's insurance is required. Home Equity Loans are not available in some states and amount financed may vary by state. 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.

Our Mortgage Options:

• Conventional (FL, MD ¹ , NC, NY, PA)
• Condo/Townhouse (FL, MD, NC, NY, PA)
• Construction (MD, NC, NY, PA)
• Lot Loans ² (NC) - If you are interested in learning more, call or email us today.
• Low Down Payment Option - Starting at just 3% ³ of the purchase price for qualified buyers. If you are interested in learning more about our low down payment option, call or email us today.
• Renovation (MD, NC, NY, PA)
• VA** (NC, NY, PA) - If you are interested in learning more, call or email us today.

*APR means Annual Percentage Rate.
**Eligible active-duty service members and veterans in NC, NY, PA.
¹ Maryland residents, please give us a call or email to schedule an appointment by phone to apply.
² Maximum of 5 acres and maximum loan amount of $125,000. Property insurance is required. With a down payment of 20% or greater, escrow for taxes and insurance and PMI is not required. You should consult a tax advisor for information regarding the deductibility of interest and charges. Some restrictions apply.
³ Approval for financing is subject to lending guidelines and credit qualifications. You should consult a tax advisor for information regarding the deductibility of interest and charges. Property insurance is required. An example of a monthly principal, interest, and private mortgage insurance payment for a 3% low down payment fixed-rate mortgage on $97,000.00 at 5.588% annual percentage rate for 360 months would be approximately $585.39. This payment does not include property taxes and homeowner/flood insurance. The interest rate for the 3% low down payment mortgage product is .5% higher than a conventional 5% down payment mortgage. Private mortgage insurance and escrow for taxes and insurance are required with a down payment of less than 20%. Some restrictions apply based on the product you choose.

Type	APR*
Traditional	11.49% - 14.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.
Platinum Rewards	14.49% - 17.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.
Signature Rewards+	13.49% - 16.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.
Balance Transfer	Traditional 11.49% to 14.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate. Platinum Rewards 14.49% to 17.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate. Signature Rewards+ 13.49% to 16.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

*APR means Annual Percentage Rate. **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.

Rates are effective as of October 1, 2018

Account Type	Dividend Rate*	APY**
Advantage Share Draft 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 $4000 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.

Rates are effective as of October 1, 2018

Account Type	Dividend Rate*	APY**
Windfall Checking ®1	1.98%	2.00%

¹ Paid on any day on balances up to and including $20,000, provided criteria outlined in the Member Services Disclosures are met.

*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.

Rates are effective as of October 1, 2018

Account Balance	Dividend Rate*	APY**
$0 to $2,499	0.10%	0.10%
$2,500 to $9,999	0.20%	0.20%
$10,000 to $24,999	0.30%	0.30%
$25,000 and over	0.40%	0.40%

¹ The dividend rate on the Share Savings, All Purpose and Holiday Club 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.

Rates are effective as of October 1, 2018

Account Balance	Dividend Rate*	APY**
$0 to $2,499	0.10%	0.10%
$2,500 to $9,999	0.20%	0.20%
$10,000 to $24,999	0.30%	0.30%
$25,000 and over	0.40%	0.40%

¹ The dividend rate on the Share Savings, All Purpose and Holiday Club 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.

Rates are effective as of October 1, 2018

Account Type	Dividend Rate*	APY**
IRA Savings Account***	0.50%	0.50%

*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.

***Maximum Individual IRA contribution is $5500/year with an additional $1000/year contribution allowed if 50 years or older.

Rates are effective as of October 1, 2018

Account Balance	Dividend Rate*	APY**
$0 to $2,499	0.10%	0.10%
$2,500 to $9,999	0.20%	0.20%
$10,000 to $24,999	0.30%	0.30%
$25,000 and over	0.40%	0.40%

¹ The dividend rate on the Share Savings, All Purpose and Holiday Club 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 Term 1	Dividend Rate*	APY**
3 months	0.50%	0.50%
6 months	0.70%	0.70%
12 months	0.95%	0.95%
18 months	1.05%	1.05%
24 months	1.30%	1.30%
36 months	1.60%	1.60%
48 months	1.95%	1.95%
60 months	2.25%	2.25%

¹ Early withdrawal penalties on certificates may apply.

*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. 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 Term 1	Dividend Rate*	APY**
3 months	0.50%	0.50%
6 months	0.70%	0.70%
12 months	0.95%	0.95%
18 months	1.05%	1.05%
24 months	1.29%	1.30%
36 months	1.59%	1.60%
48 months	1.93%	1.95%
60 months	2.23%	2.25%

¹ Early withdrawal penalties on certificates may apply.

*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. 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 Term 1	Dividend Rate*	APY**
3 months	0.55%	0.55%
6 months	0.75%	0.75%
12 months	1.00%	1.00%
18 months	1.10%	1.10%
24 months	1.35%	1.35%
36 months	1.65%	1.65%
48 months	2.00%	2.00%
60 months	2.30%	2.30%

¹ Early withdrawal penalties on certificates may apply.

*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. 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 Term 1	Dividend Rate*	APY**
3 months	0.55%	0.55%
6 months	0.75%	0.75%
12 months	1.00%	1.00%
18 months	1.10%	1.10%
24 months	1.34%	1.35%
36 months	1.64%	1.65%
48 months	1.98%	2.00%
60 months	2.28%	2.30%

¹ Early withdrawal penalties on certificates may apply.

*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. 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	0.40%	0.40%
$25,000 to $99,999	0.50%	0.50%
$100,000 to $249,999	0.70%	0.70%
$250,000 and over	0.80%	0.80%

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	0.20%	0.20%
$10,000 to $24,999	0.30%	0.30%
$25,000 and over	0.40%	0.40%

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	0.20%	0.20%
$10,000 to $24,999	0.30%	0.30%
$25,000 and over	0.40%	0.40%

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 Term 1	Dividend Rate*	APY**
3 months	0.50%	0.50%
6 months	0.70%	0.70%
12 months	0.95%	0.95%
18 months	1.05%	1.05%
24 months	1.30%	1.30%
36 months	1.60%	1.60%
48 months	1.95%	1.95%
60 months	2.25%	2.25%

¹ Early withdrawal penalties on certificates may apply.

*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. 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 Term 1	Dividend Rate*	APY**
3 months	0.50%	0.50%
6 months	0.70%	0.70%
12 months	0.95%	0.95%
18 months	1.05%	1.05%
24 months	1.29%	1.30%
36 months	1.59%	1.60%
48 months	1.93%	1.95%
60 months	2.23%	2.25%

¹ Early withdrawal penalties on certificates may apply.

*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. 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 Term 1	Dividend Rate*	APY**
3 months	0.55%	0.55%
6 months	0.75%	0.75%
12 months	1.00%	1.00%
18 months	1.10%	1.10%
24 months	1.35%	1.35%
36 months	1.65%	1.65%
48 months	2.00%	2.00%
60 months	2.30%	2.30%

¹ Early withdrawal penalties on certificates may apply.

*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. 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 Term 1	Dividend Rate*	APY**
3 months	0.55%	0.55%
6 months	0.75%	0.75%
12 months	1.00%	1.00%
18 months	1.10%	1.10%
24 months	1.34%	1.35%
36 months	1.64%	1.65%
48 months	1.98%	2.00%
60 months	2.28%	2.30%

¹ Early withdrawal penalties on certificates may apply.

*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. 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	0.40%	0.40%
$25,000 to $99,999	0.50%	0.50%
$100,000 to $249,999	0.70%	0.70%
$250,000 and over	0.80%	0.80%

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.