Risk-Based Loan Rates Unsecured Loan Prices Fair Isaac Scores Rate Unsecured Loan Rates 730 + A+ 8.95% 680-729 A 9.95% 640-679 B 11.95% 600-639 C 13.95% 550-599 D 17.95% 549 or less E 17.95% Vehicle Loan Pricing Fair Isaac Rate 24-48 Mo 60 Mo 72 Mo 84 Mo 730+ A+ 5.00% 5.25% 5.50% 5.75% 680-729 A 5.25% 5.75% 6.00% 6.25% 640-679 B 6.00% 6.25% 6.50% 600-639 C 6.50% 6.75% 7.00% 550-599 D 9.00% 9.25% 549 or Less E 13.00% 13.25% Home Equity Loan Pricing** Fair Isaac Scores Rate 80% 90% 100% 730+ A+ Prime (-) .5% (+) .5% (+) 1.5% 680-729 A Prime (+) 1% (+) 2% 640-679 B Prime (+) 1% (+) 2% (+) 3% 600-639 C Prime (+) 2% (+) 3% 550-599 D Prime (+) 3% (+) 4% 549< E Prime (+) 4% ** Credit Union pays for $600.00 of closing cost Loans up to $200,000.00 Loan to Value up to 80% ** The Credit Union rates are subject to our floor for Home Equity loans of 3.95% Lifetime ceiling of 6% ** Member Pays Closing Cost Back if Loan is paid off within 1 year.00 Fixed Rate Home Equity Pricing Fair Isaac Rate 0-60 Mo 61 - 120 Mo 121-180 Mo 730+ A+ 5.75% 6.25% 6.50% 680-729 A 6.00% 6.50% 7.00% 640-679 B 6.75% 7.00% 7.25% 600-639 C 7.25% 7.50% 8.25% 550-599 D 9.25% 10.25% 11.25% 549 or Less E 13.25% 13.25% 13.25% ** Credit Union pays for $600.00 of closing cost. ** Loans up to $200,000.00 LTV 80% ** Member Pays Closing Cost Back if Loan is paid off within 1 year Visa Loans Fair Isaac Scores Rate Visa Loan Rates 730+ A+ 8.95% 680-729 A 9.95% 640-679 B 11.90% 600-639 C 13.95% 550-or Less D & E 17.95% * APY = ANNUAL PERCENTAGE YIELD * APR = ANNUAL PERCENTAGE RATE Disclosures