¹APY = Annual Percentage Yield. Rates are subject to change after account opening.
²Fresh Start requires $20 one-time activation fee and $100 min. opening deposit. Members will be assessed a $10 fee monthly if their daily balance is below $100 or if they use fewer than 3 loyalty services(the fee is waived the month the Fresh Start Checking Account is opened).Member may be subject to $2 monthly service fee if receiving paper statements. Member may opt-in to eStatements to have fee waived. 
⁴HSA has $25 set up fee.
⁵Member may be subject to $2 monthly service fee if receiving paper statements. Member may opt-in to eStatements to have fee waived. 
⁶Fees could reduce earnings on the account
⁷There is no minimum deposit required to open a Saver’s Sweepstakes account. This sweepstakes is open to Wisconsin, Illinois and Minnesota residents only. Entries are tallied for the primary owner on the account. Fiduciary and business accounts are not eligible.  Account is subject to a $10 withdrawal penalty with your first and second withdrawal from the account. The account will be closed after your third withdrawal. Account withdrawal could impact your total number of entries. A closed account will result in the forfeiture of all sweepstakes entries. Participants can make a penalty-free withdrawal from the account 12 months after the account is opened and every 12 months thereafter. Visit the Saver’s Sweepstakes page for full details.

¹APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Rates are subject to change after account opening.
²For IRA Money Market the minimum to open account is $25. Minimum to open regular Money Market account is $1000, $10 fee per month for daily balances below $1000. Penalties apply for “under the minimum daily balance”, which may reduce earnings.

Rates are for new shares only and require $500 minimum. A penalty applies for early withdrawal and other restrictions may apply.

¹APY = Annual Percentage Yield. Rates are subject to change. Penalties apply for early withdrawals, which may reduce earnings.

**The Share Certificate Special is not for IRA accounts and the rate cannot be increased using Points for Perks. No other offers apply to increase the rate on this special.

Change of Terms Notice:

Effective 12/1/11, the early withdrawal penalty for new or renewed share certificates will be 90 days interest for terms of one year or less and 180 days for all terms over one year.

Effective 8/1/14 for new Share Certificates, early withdrawal penalty will be the lesser of dividends earned to date OR the amount of dividends that would be earned during 25% of the share certificate’s term, measured in days.

¹APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $10,000 to $99,999.99 will have a dividend rate of 0.439%). Rates are subject to change after the account is opened.
²For Premium Money Market the minimum to open account is $10,000.
Points for Perks cannot be used to increase the rates on the Premium Money Market accounts.

¹APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.

²Visa^® Signature Card rate is variable based on the prime rate (4.75% as of 11/1/19) + 7, 8, 10 or 14%.  Rates are subject to change and are subject to credit approval.

 *Rate depending on credit worthiness. Rates start at 7.9% then move to 8.9%, 11.9% and 17.9%.

¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty.

³ Max loan amount $453,100

Closing cost $1,300. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.

Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval. 

¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 2/1 ARM means that the first two years have a locked APR set at closing. The rate can then change by 1% after the first two years and every year after. The rate cannot increase more than 8% during the life of the loan. 5/1 ARM means that the first five years have a locked APR set at closing. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan.

Closing cost $1,300. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.

*Investment Properties have a rate of (rate + 1%) and have a closing cost of $1,600.

Closing Costs = $261.00

¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. 

Loan amounts under $100,000 at 80 percent LTV closing cost: $261.

90% LTV with maximum second mortgage 7% LTV Minimum Credit Score 660+

¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty.
²With 30 year amortization. 5/5 ARM means that the first five years have a locked APR set at closing. The rate can then change by 2% after the first five years and every five years after. The rate cannot increase more than 8% during the life of the loan.
³As a 15 year fixed based off $10,000 loan amount.

Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval. 

99% LTV. 30-Year amortization. Minimum Credit Score 740+. Occupation and other restrictions apply. No closing costs. Subject to underwriting approval. 

¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty.

¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. 
²One-year term with conversion to 5-year ARM after completion. Maximum Loan to Value (LTV) 90%. $1,300 closing cost plus the cost of the title.
³One-year term with conversion to fixed-rate after completion. Maximum Loan to Value (LTV) 95%. $1,300 closing cost plus the cost of the title. PMI over 80% LTV.

¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. 
²Two-year ARM with a minimum of $25,000. 15-year amortization. $1,300 closing cost. Maximum Loan to Value (LTV) is 90% of the purchase and a maximum of 80% when refinancing.

¹APR = Annual Percentage Rate. LTV = Loan to Value. Rates are subject to change. Subject to underwriting approval. 

Over 90% LTV requires appraisal.

¹APR = Annual Percentage Rate. Subject to underwriting approval.
²LTV = Loan to Value. No annual fees or service charges, rate based on the prime rate (4.75% as of 11/1/19). The floor rate for new Home Equity Loans with loan to values under 80% is 4.24% APR, 80.01-90% is 5.74% APR, 90.01-100% is 6.74% APR. The maximum APR that may be imposed in a variable-rate plan has a lifetime cap of 17.9%.

Payments are 1.5 percent of the balance or $50 whichever is greater.

Rates and terms are subject to change and not guaranteed.

When Your Home is on the Line: What you should know about Home Equity Lines of Credit

¹APR = Annual Percentage Rate. Share Savings Secured Rate is 3% above the current Savings Rate.

Rates and terms are subject to change and not guaranteed.

¹APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Rates are subject to change after the account is opened.
²For IRA Money Market the minimum to open account is $25. Minimum to open regular Money Market account is $1000, $10 fee per month for daily balances below $1000. Penalties apply for “under the minimum daily balance”, which may reduce earnings.

¹APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $10,000 to $99,999.99 will have a dividend rate of 0.439%). Rates are subject to change after the account is opened.
²For Premium Money Market the minimum to open account is $10,000.
Points for Perks cannot be used to increase the rates on the Premium Money Market accounts.

Rates are for new shares only and require $500 minimum. A penalty applies for early withdrawal and other restrictions may apply.

¹APY = Annual Percentage Yield. Rates are subject to change after the account is opened. Penalties apply for early withdrawals, which may reduce earnings.

Change of Terms Notice:

Effective 12/1/11, the early withdrawal penalty for new or renewed share certificates will be 90 days interest for terms of one year or less and 180 days for all terms over one year.

Effective 8/1/14 for new Share Certificates, early withdrawal penalty will be the lesser of dividends earned to date OR the amount of dividends that would be earned during 25% of the share certificate’s term, measured in days.

Contact our Investment Services1 team for information regarding rates for Traditional IRAs, Roth IRAs, and the Coverdell ESA.

1Educators Investment Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.  CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.