Loan Rates

<sup>*The Annual Percentage Rate (APR): The annual yearly cost of credit. This includes the effect of interest, discounts, fees and other costs. Member(s) will receive a rate within the range disclosed in the Loan Rates. Applicable rates depend on member’s credit qualifications, including credit and employment history and residential status.

**Line of Credit: The Line of Credit may adjust quarterly and is based on the Prime Rate (index), as published in the Wall Street Journal rounded to the nearest 0.250% plus a margin. The Margin will range from 7.00% - 9.50% based on your credit worthiness. The APR for all new advances and existing balances may change on the first day following the end of each quarter to reflect any changes in the index. The APR will never be less than 8.000% or greater than the maximum rate permitted by the Federal Credit Union Act. The Prime Rate as of 12/18/24 is 7.500%. A $25.00 annual fee applies for the personal line of credit.

**SMART Line of Credit: The SMART Line of Credit may adjust quarterly and is based on the Prime Rate (index), as published in the Wall Street Journal rounded to the nearest 0.250% plus a margin. The Margin will range from 6.00% - 8.500% based on your credit worthiness. The APR for all new advances and existing balances may change on the first day following the end of each quarter to reflect any changes in the index. The APR will never be less than 8.000% or greater than the maximum rate permitted by the Federal Credit Union Act. The Prime Rate as of 12/18/24 is 7.500%.

***Home Equity Line of Credit: The Line of Credit may adjust quarterly and is based on the Prime Rate (index) as published in the Wall Street Journal rounded to the nearest 0.250% plus a margin. The Margin will range from 0% - 6.000% based on your credit worthiness and Loan to Value (LTV). The index will be pulled 10 days prior to the end of each quarter. The APR for all new advances and existing balances may change on the first business day following the end of each quarter. The APR will never be greater than 18.500% APR, and never be less than a floor interest rate established by the Credit Union of 3.000% (depending on product). Prime Rate as of 12/18/24 is 7.500%. The minimum payment will equal interest only during the 5 year draw period. After the 5 years, the draw period will close and further advances will not be available. After the draw period expiration the loan will be recalculated to pay the loan off in the remaining 15 years. A $50.00 annual fee applies. Qualified members are eligible for one HELOC per primary residence. All loans are subject to credit approval. Some restrictions may apply to manufactured or mobile homes.

Billing Rights Notice: This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. If you think your statement is wrong, or if you need more information about a transaction shown on it, write to us at the address listed on your statement, as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You may telephone us, but doing so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number, 2. The dollar amount of the suspected error, and 3. Describe the error and explain, if you can, why you believe there is an error.

If you need more information, describe the item you are not sure about. Your Right and Our Responsibilities After We Receive Your Written Notice: We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement is correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question.

If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make an error, you may have to pay finance charges and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount listed on your loan agreement, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. We must also tell you the name of anyone we reported you to. In addition, we must inform anyone we report to that the matter has been settled between us once it is finalized. If we don’t follow these rules, we can not collect the first $50 of the questioned amount, even if your statement is correct.</sup>