Dividends for the Quarter Ending September 30, 2024

Type	Dividend Rate	Annual Percentage Yield (APY**)	Minimum Balance to Earn APY**	Dividend Compounded
Share (Traditional Savings)	0.40%		$25.00	Quarterly
Milestone Youth Savings	0.40%		None	Quarterly
Christmas Club	0.40%		$25.00	Quarterly
IRA	0.85%		$25.00	Quarterly

^{Dividends will be forfeited on any account closed before accrued dividends are paid. Dividend rates and annual percentage yield are subject to change each quarter at the discretion of the Board of Directors. For current dividend rates and annual percentage yield, please contact us. This credit union is federally insured by the National Credit Union Administration.}

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Prospective rates for , to ,

Term	Dividend Rate	Annual Percentage Yield (APY**)	Minimum Balance to Earn APY**	Dividend Compounded
6 Month			$2,500.00	Monthly
1 Year			$2,000.00	Monthly
2 Year			$2,000.00	Monthly
3 Year			$1,000.00	Monthly
4 Year			$1,000.00	Monthly
5 Year			$1,000.00	Monthly

^{Dividend rates and annual percentage yield rates are subject to change without notice. The annual percentage yield (APY**) calculation assumes dividends are compounded monthly and remain on deposit until maturity. Withdrawal Prior to maturity date will result in a substantial penalty. For current dividend rates and annual percentage yield rates, please contact us. This credit union is federally insured by the National Credit Union Administration.}

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Dividends as of April 1, 2023

Type	Spending Level	Dividend Rate	Annual Percentage Yield (APY**)	Minimum Balance to Earn APY**	Dividend Compounded
PREMIUM Plus (average daily balance $.01 to $25,000)	$0.00 to $99.99	0.10%	0.10%	None	Monthly
PREMIUM Plus (average daily balance $.01 to $25,000)	$100 to $499.99	1.00%	1.00%	None	Monthly
PREMIUM Plus (average daily balance $.01 to $25,000)	$500.00 to $999.99	1.50%	1.51%	None	Monthly
PREMIUM Plus (average daily balance $.01 to $25,000)	$1000 or greater	2.25%	2.27%	None	Monthly
PREMIUM Plus (average daily balance over $25,000)	-	0.05%	0.05%	None	Monthly
PREMIUM Plus (qualifications not met)	-	0.03%	0.03%	None	Monthly

^{Dividends will be forfeited on any account closed before end of “monthly qualification cycle”. Dividend rates and annual percentage yield are subject to change every month, at the discretion of Management. The current dividend rates and annual percentage yield, are those stated above, as of April 1, 2023. This credit union is federally insured by the National Credit Union Administration.
The annual percentage yield (APY**) calculation assumes dividends are compounded monthly.}

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Rates Effective as of December 5, 2024

Type	Term	Annual Percentage Rate (APR*) as low as
Share Secured	(up to) 60 months	3
Share Secured	(up to) 120 months	3
Share Certificate Secured	(up to) 120 months	2
Personal "Whatever" Loan	(up to) 60 months1	7.99%
PCS Loan	(up to) 12 months
Consolidate Active Revolving Expenses Loan (C.A.R.E) up to $5,000	48 months	13.50%
Consolidate Active Revolving Expenses Loan (C.A.R.E) $5,001 to $10,000	60 months	13.50%
Payday Alternative Loan (PAL)	(up to) 6 months
Fast Cash Line of Credit Payment is 3.50% of Unpaid Balance	N/A
Overdraft Line of Credit	N/A
Storm Shelter	(up to) 48 months	-

Minimum Payment Never Less Than $25.00 Monthly.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Rates do not apply to existing credit union loans. Please contact credit union for further details.
Loan rates published are as low as the stated rate. Rates can vary depending upon collateral, term, loan type and credit history.
Personal loan rates range between 7.99% APR to 17.99% APR.
Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply.
¹With approved credit. Rate & term dependent on credit score. Terms may vary based on loan amount. . Loan rate published is as low as stated rate for a maximum 12 month term.
²Share Certificate Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Certificate offered as security plus 2.50%. Please contact credit union for further details.
³Share Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Account at the time of origination plus 2.50% for loans up to 60 months, 3.50% for loans up to 120 months. Please contact the credit union for further details.

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Rates Effective as of December 5, 2024

Auto Loans

Type	Term	Annual Percentage Rate (APR*) as low as
New/Used Vehicles (2022-2024)	(up to) 84 months2	6.49%
Used Vehicles (2020-2021)	(up to) 84 months2	6.69%
Used Vehicles (2015-2019)	(up to) 75 months1	8.59%
Older Used Vehicles (2014 & Older)	(up to) 60 months1	8.74%

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Motorcycle Loans

Type	Term	Annual Percentage Rate (APR*) as low as
New Motorcycle 100% Retail	(up to) 84 months1	7.10%
Used Motorcycle 100% Retail/NADA	(up to) 84 months1	7.20%

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Boat Loans

Type	Term	Annual Percentage Rate (APR*) as low as
New Boat 100% Retail	(up to) 96 months1	7.10%
Used Boat 100% Retail/NADA	(up to) 84 months1	7.20%

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Motor Home / Travel Trailer Loans

Type	Term	Annual Percentage Rate (APR*) as low as
New Motor Home/Travel Trailer 100% Retail	(up to) 144 months2	7.10%
Used Motor Home/Travel Trailer 100% Retail/NADA	(up to) 144 months2	7.20%

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^{Minimum Payment Never Less Than $25.00 Monthly.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Rates do not apply to existing credit union loans. Please contact credit union for further details.
Loan rates published are as low as the stated rate for a maximum 60 month term. Rates can vary depending upon collateral, term, loan type and credit history.
New cars up to MSRP and used cars up to NADA retail.
Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply.
Auto loan rates range between 6.49% APR to 18.00% APR. Recreational loan rates range between 7.10% APR to 16.80%
1With approved credit. Rate & term dependent on credit score. Terms may vary based on loan amount and year of collateral.
2With approved credit. Minimum finance amount eligible for loan term listed. Maximum vehicle mileage not to exceed 80k for loan term listed.}

Plan Type	APR*	Grace Period	Fee
Plan 1 Classic	Variable	25 Days	No Annual Fee
Plan 2 Share Secured Classic		25 Days	No Annual Fee
Plan 3 Classic		25 Days	No Annual Fee
Plan 4 Gold		25 Days	No Annual Fee
Plan 5 Gold	Variable	25 Days	No Annual Fee
Plan 6 Platinum		25 Days	No Annual Fee

For full rates and disclosure details please review the VISA® Non-Variable Disclosure and the VISA® Variable Disclosure.

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