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Disclosures

New Auto Loans

Loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 3.24% APR is $542.
(2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discounts are available when purchasing the vehicle through the Credit Union Auto Buying Service (CUABS), and for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.50%. All auto loan rates, including promotional rates and discounts are subject to a 2.99% minimum APR for new autos.

Used Auto Loans

Loans are subject to credit approval.
(1) The estimated monthly payment on a $20,000, 60-month loan at 3.74% APR is $366.
(2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discounts are available when purchasing the vehicle through the Credit Union Auto Buying Service (CUABS), and loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.50%. All used auto loan rates including promotional rates and discounts are subject to a 3.74% APR minimum for 2013-2018 models, and 5.24% minimum for 2010-2012 models.

Motorcycle, RV, Boat and Classic Car Loans

Boat loans include motor, trailer & accessories. Classic Cars are based on NADA classifications. All loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 6.49% APR is $587.
(2) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.

Credit Cards

Subject to credit approval. (1) Advertised Annual Percentage Rate (APR) may change without notice. (2) VISA variable rate adjusted quarterly based on The Wall Street Journal prime rate posted on the preceding 25th of the month.

Home Equity Loans and Lines of Credit

All loans are subject to credit approval. Home equity products available in NC, SC, TN, VA, FL, GA & OH only. Consult your tax advisor on the deductibility of interest. (1) Advertised Annual Percentage Rate (APR) may change without notice. (2) APR is based on The Wall Street Journal Prime Rate and will vary based on your credit history, but will not go below the floor rate of 3.25%. The rate on home equity lines of credit tied to prime are adjusted the 1st day of the following month in which the prime rate change occurs. Maximum APR is 18%. (3) Fixed rate may vary based on your credit history, term, and loan to home value. 3.49% APR minimum good on first lien position only. Loan range: $25,000 to $350,000. Terms to 180 months. (4) Fixed rate may vary based on your credit history, term, and loan to home value. 3.99% minimum good on second lien position. Loan range: $10,000 to $350.000. Terms to 240 months. Contact us for additional details.

Personal Loans & Lines of Credit

Subject to credit approval.
(1) The estimated monthly payment for a $20,000, 72-month fixed rate Debt Consolidation loan or a Personal Convenience loan at 10.00% APR is $371.
(2) Advertised Annual Percentage Rate (APR) may change without notice.

Checking and Savings Accounts

Savings and Checking rates are accurate as of July 1, 2020. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts.

(1) APY = Annual Percentage Yield.

Regular and IRA Certificates

Certificate rates are accurate as of July 1, 2020. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts. A penalty may be imposed for early withdrawal.

(1) APY = Annual Percentage Yield

(2) Not available for IRA certificates.

(3) Allows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days).

(4) You may increase your dividend rate to the rate in effect at the time of your request one time prior to maturity, not to exceed 1% above the original rate.

Money Market Accounts

Money Market rates are accurate as of July 1, 2020. Money Market rates are subject to change weekly. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts.
(1) APY = Annual Percentage Yield.
(2) The Investor's Money Market account is only available to members who have a relationship with Truliant Financial Advisors, which is affiliated with the Credit Union.

Business Checking and Savings Accounts

Business Savings and Checking rates are accurate as of July 1, 2020. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Please see our Business Account Agreement Terms for more information about dividends and your accounts.
(1) APY = Annual Percentage Yield.

Business Money Market and Certificates

Business Money Market rates are subject to change weekly. All Certificate rates are fixed and will not be paid until maturity. A penalty may be imposed for early withdrawal.

Certificate and Money Market rates are accurate as of July 1, 2020. Please see our Business Account Agreement Terms for more information about dividends and your accounts.

(1) APY = Annual Percentage Yield.