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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Credit Cards    |    Vehicle Loans    |    Home Loans    |    Personal Loans    |    Checking And Savings    |    Certificates And IRA

Credit Cards

Visa Credit Card

as low as 8.9% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

Annual Percentage Rate (APR1)
Visa Credit Card
Visa Credit CardPlatinumas low as 8.900%2
Platinum Plusas low as 12.900%3

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score and collateral if applicable. All loans subject to credit approval.

2) See Visa Platinum Credit Card disclosure

3) See Visa Platinum Plus Credit Card disclosure

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Vehicle Loans

Auto

as low as 3.25% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

TermAnnual Percentage Rate (APR1)
New, Used, Refinance and Cash Out Refinance Auto Loan
New, Used, Refinance and Cash Out Refinance Auto LoanUp to 36 monthsas low as 3.250%
37 to 48 monthsas low as 3.590%
49 to 60 monthsas low as 3.790%
61 to 72 monthsas low as 4.090%
73 to 84 monthsas low as 4.590%

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

The monthly payment per $1,000 borrowed at 3.25% APR for a term of 36 months would require 36 monthly payments of $29.19 based on 30 days to first payment.

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Business New and Used Auto

as low as 3.50% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

TermAnnual Percentage Rate (APR1)
New, Used, Refinance and Cash Out Refinance Business Auto Loans
New, Used, Refinance and Cash Out Refinance Business Auto LoansUp to 36 monthsas low as 3.500%3
37 to 48 monthsas low as 3.840%3
49 to 60 monthsas low as 4.040%3
61 to 72 monthsas low as 4.340%3
73 to 84 monthsas low as 4.840%3

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

The monthly payment per $1,000 borrowed at 3.50% APR for a term of 36 months would require 36 monthly payments of $29.30 based on 30 days to first payment.

3) A vehicle is considered a business vehicle if it belongs to a company or corporation, it is used for business purpose, or is titled in the business name. These rates are applicable to vehicles found on the NADA website under New Car/Trucks, or Used Car/Trucks. Some Commercial vehicles do not qualify. Contact Business Services for vehicles not found under NADA New Car/Trucks or Used Car/Trucks. Business Loans are only available to Michigan businesses. Collateral must be located in Michigan.

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Motorcycle

as low as 3.25% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

TermAnnual Percentage Rate (APR1)
New, Used, Refinance and Cash Out Refinance Motorcycles (600cc or greater)
New, Used, Refinance and Cash Out Refinance Motorcycles (600cc or greater)Up to 36 monthsas low as 3.250%
37 to 48 monthsas low as 3.590%
49 to 60 monthsas low as 3.790%
61 to 72 monthsas low as 4.090%
73 to 84 monthsas low as 4.590%

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

The monthly payment per $1,000 borrowed at 3.25% APR for a term of 36 months would require 36 monthly payments of $29.19 based on 30 days to first payment.

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Motorsport

as low as 5.59% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

TermAnnual Percentage Rate (APR1)
New, Used, and Refinance Motorsport
New, Used, and Refinance MotorsportUp to 36 monthsas low as 5.590%3
37 to 48 monthsas low as 5.740%3
49 to 60 monthsas low as 5.890%3
61 to 72 monthsas low as 6.140%3
73 to 84 monthsas low as 6.590%3

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

The monthly payment per $1,000 borrowed at 5.59% APR for a term of 36 months with 70% Loan to Value (LTV) would require 36 monthly payments of $30.24 based on 30 days to first payment.

3) Motorsport vehicles include Motorcycles less than 600cc, Personal Watercraft, ATVs, Snowmobiles and Lawn and Garden Tractors with a mower deck, and untitled Watercraft.

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Recreational Vehicle and Boat

as low as 5.59% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

TermAnnual Percentage Rate (APR1)
New, Used and Refinance Recreational Vehicles & Boats
New, Used and Refinance Recreational Vehicles & BoatsUp to 60 monthsas low as 5.590%3
61 to 84 monthsas low as 5.740%3
85 to 120 monthsas low as 5.990%3
121 to 144 monthsas low as 6.240%3
145 to 180 monthsas low as 6.790%3

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

The monthly payment per $1,000 borrowed at 5.59% APR for a term of 60 months would require 60 monthly payments of $19.14 based on 30 days to first payment.

3) Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers. Park model RVs and commercial vehicles are excluded from this program.

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Home Loans

First Mortgage2

as low as 4.750% APR1

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Last Updated Monday, December 10, 2018 10:17 AM EST

RateAnnual Percentage Rate (APR1)Points
Conventional Fixed-Rate Mortgages
Conventional Fixed-Rate Mortgages30 Yearas low as 4.750%4.810%0
20 Yearas low as 4.500%4.581%0
15 Yearas low as 4.250%4.353%0
10 Yearas low as 4.000%4.147%0
Jumbo Fixed Mortgages
Jumbo Fixed Mortgages30 Yearas low as 4.750%4.776%0
20 Yearas low as 4.500%4.536%0
15 Yearas low as 4.250%4.295%0
10 Yearas low as 4.000%4.065%0
Adjustable-Rate Mortgages
Adjustable-Rate Mortgages5/1as low as 4.250%4.907%05
3/1as low as 4.000%4.974%05

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

2) Mortgage Loan Terms

Rates are available for Fixed-Rate Mortgages, Jumbo Mortgages and Adjustable-Rate Mortgages. Rates are based on credit score, Loan-to-Value ratio and the term of the loan. All loans are subject to credit approval. All rates subject to change without notice.

Conventional Mortgage APRs are based on $200,000.00 and Jumbo APRs based on $453,100 and points indicated and does not include prepaid finance charges.

Fixed 60-day rate lock.

There is an origination fee as low as $795 to process the mortgage loan. Rates can be locked at your request, once a complete application has been submitted. This must include a property address.

Conventional: 30 Year Mortgage at 4.750% (based on $150,000 loan amount, 20% down/equity, Tier 1, principal and interest only would be: $782.47 for 360 payments)

Jumbo: (Minimum loan amount $453,100): 30 year at 4.750% , 20 % equity/down payment, Tier 1, principal and interest only would be: $2,590.13 for 360 payments)

5) Adjustable-Rate Mortgage

Adjustable-Rate and Jumbo Adjustable-Rate Mortgages are variable and your APR may increase after the original rate period. Your rate will depend on your credit score, the Loan-to Value ratio and the term of the loan.

Rates are based on credit history, so your rate may differ from rate(s) listed above. All loans are subject to credit approval.

ARM: $150,000 loan amount: 5 year ARM (fixed for first 60 months), 30 year amortization, 20% down payment or equity, Tier 1, principal and interest only would be: $2,813.54 for 60 months)

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Home Equity2

as low as 5.25% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

Annual Percentage Rate (APR1)
Variable-Rate Home Equity Line-of-Credit
Variable-Rate Home Equity Line-of-CreditUp to 70% Loan-to-Valueas low as 5.250%
Up to 80% Loan-to-Valueas low as 5.500%
Up to 90% Loan-to-Valueas low as 6.000%
Fixed-Rate Home Equity Loan
Fixed-Rate Home Equity LoanUp to 70% Loan-to-Value up to 180 monthsas low as 5.990%
Up to 70% Loan-to-Value up to 120 monthsas low as 5.440%
Up to 70% Loan-to-Value up to 60 monthsas low as 5.240%
Up to 80% Loan-to-Value up to 180 monthsas low as 6.340%
Up to 80% Loan-to-Value up to 120 monthsas low as 5.840%
Up to 80% Loan-to-Value up to 60 monthsas low as 5.390%
Up to 90% Loan-to-Value up to 180 monthsas low as 6.740%
Up to 90% Loan-to-Value up to 120 monthsas low as 6.240%
Up to 90% Loan-to-Value up to 60 monthsas low as 5.790%

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

2) Home Equity Loan Terms

Home Equity Loans are for Primary residences and vacation homes located in the state of Michigan. Consult with a reliable tax advisor about the deductibility of home equity loan interest. MSUFCU will acquire a security interest in your home and if timely repayment is not made, your home could be subject to loss.

Home Equity Fixed Rate loan is a Fixed-Rate loan. Your rate will depend on your credit score, the Loan-to-Value ratio and the term of the loan.

Home Equity Line of credit is a Variable-Rate loan. Your rate will depend on your credit score and Loan-to-Value ratio. This product has a variable-rate that is based on the market rates (prime plus margin). Your margin will be between 2.00% and 7.00% APR. Your overall rate (prime plus margin) will never fall below 2.00%APR, nor will it exceed 18.00% APR, Market rates are subject to MSUFCU's Rate.

Minimum rate is 2.00% APR and will never fall below 2.00% APR. Depending on your credit score and Loan-to-Value ratio, the minimum rate can be between 2.00% APR and 7.00% APR.

Appraisal is required and is paid for by the member.

There are no origination fees for properties located in Michigan. Any time an appraisal is required for the subject property, the cost will be the borrower's responsibility. Any special offer does not apply to the cost of the appraisal.

If the Home Equity Fixed Rate loan will be in the first lien position and the loan amount is over $100,000, this loan will be processed as a first mortgage refinance and the mortgage loan terms and rates will apply.

The monthly payment per $1,000 borrowed at 5.25% APR for a term of 60 months with 70% Loan to Value (LTV) would require 60 monthly payments of $18.99 based on 30 days to first payment.

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Home Improvement2

as low as 7.49% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

Annual Percentage Rate (APR1)
Home Improvement
Home ImprovementUp to 36 monthsas low as 7.490%
37 to 48 monthsas low as 7.740%
49 to 60 monthsas low as 7.990%
61 to 120 monthsas low as 8.990%
121 to 180 monthsas low as 9.990%

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

2) Home Improvement Loan

Home Improvement Loans are available for Home Improvement purposes and does not involve security in your home.

The monthly payment per $1,000 borrowed at 7.49% APR for a term of 36 months would require 36 monthly payments of $31.10 based on 30 days to first payment.

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Personal Loans

Personal Loans

as low as 6.90% APR1

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Last Updated Saturday, December 15, 2018 6:00 AM EST

Annual Percentage Rate (APR1)
Debt Consolidation Loan
Debt Consolidation LoanUp to 84 monthsas low as 13.990%
85 to 180 monthsas low as 14.990%
Flex Loan
Flex LoanUp to 6 months28.000%
Green & White Loan
Green & White LoanUp to 12 months8.950%
Holiday Loan
Holiday LoanHoliday Loanas low as 6.900%
Instant Cash Line-of-Credit
Instant Cash Line-of-CreditLine of Creditas low as 10.900%
Relocation Loan
Relocation LoanUp to 18 monthsas low as 6.900%
Signature Loan
Signature LoanUp to 18 monthsas low as 6.900%
19 to 84 monthsas low as 8.990%
85 to 180 monthsas low as 9.990%

1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.

The monthly payment per $1,000 borrowed at 6.90% APR for a term of 18 months would require 18 monthly payments of $58.64 based on 30 days to first payment.

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Checking and Savings

Business Accounts

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Last Updated Saturday, December 15, 2018 2:59 AM EST

APY1Minimum BalanceValid Thru
Business Spartan Saver
Business Spartan Saver0.10%None12/31/2018
Business IMMA - Tier 1
Business IMMA - Tier 10.80%$2,000.0012/21/2018
Business IMMA - Tier 2
Business IMMA - Tier 20.85%$10,000.0012/21/2018
Business IMMA - Tier 3
Business IMMA - Tier 30.90%$25,000.0012/21/2018
Business IMMA - Tier 4
Business IMMA - Tier 40.95%$50,000.0012/21/2018
Business IMMA - Tier 5
Business IMMA - Tier 51.05%$100,000.0012/21/2018
Business IMMA - Tier 6
Business IMMA - Tier 61.05%$500,000.0012/21/2018
Business IMMA - Tier 7
Business IMMA - Tier 71.25%$1,000,000.0012/21/2018
Business IMMA - Tier 8
Business IMMA - Tier 81.25%$2,000,000.0012/21/2018
Business IMMA - Tier 9
Business IMMA - Tier 92.10%$5,000,000.0012/21/2018
Money Market Business Checking - Tier 1
Money Market Business Checking - Tier 10.40%$25,000.0012/21/2018
Money Market Business Checking - Tier 2
Money Market Business Checking - Tier 20.45%$50,000.0012/21/2018
Money Market Business Checking - Tier 3
Money Market Business Checking - Tier 30.50%$100,000.0012/21/2018
Business Sweep - Tier 1
Business Sweep - Tier 10.65%$2,000.0012/21/2018
Business Sweep - Tier 2
Business Sweep - Tier 20.65%$10,000.0012/21/2018
Business Sweep - Tier 3
Business Sweep - Tier 30.70%$50,000.0012/21/2018
Business Sweep - Tier 4
Business Sweep - Tier 40.75%$100,000.0012/21/2018
Business Sweep - Tier 5
Business Sweep - Tier 50.75%$500,000.0012/21/2018
Business Sweep - Tier 6
Business Sweep - Tier 60.85%$1,000,000.0012/21/2018
Business Sweep - Tier 7
Business Sweep - Tier 70.85%$2,000,000.0012/21/2018

1) Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates for accounts are variable and may change after account opening.

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IMMA

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Last Updated Saturday, December 15, 2018 2:59 AM EST

APY1Minimum BalanceValid Thru
IMMA - Tier 1
IMMA - Tier 10.80%$2,000.0012/21/2018
IMMA - Tier 2
IMMA - Tier 20.85%$10,000.0012/21/2018
IMMA - Tier 3
IMMA - Tier 30.90%$25,000.0012/21/2018
IMMA - Tier 4
IMMA - Tier 40.95%$50,000.0012/21/2018
IMMA - Tier 5
IMMA - Tier 51.05%$100,000.0012/21/2018
IMMA - Tier 6
IMMA - Tier 61.05%$500,000.0012/21/2018
IMMA - Tier 7
IMMA - Tier 71.25%$1,000,000.0012/21/2018
IMMA - Tier 8
IMMA - Tier 81.25%$2,000,000.0012/21/2018
IMMA - Tier 9
IMMA - Tier 92.10%$5,000,000.0012/21/2018
IRA-HSA IMMA - Tier 1
IRA-HSA IMMA - Tier 10.80%$50.0012/21/2018
IRA-HSA IMMA - Tier 2
IRA-HSA IMMA - Tier 20.85%$10,000.0012/21/2018
IRA-HSA IMMA - Tier 3
IRA-HSA IMMA - Tier 30.90%$25,000.0012/21/2018
IRA-HSA IMMA - Tier 4
IRA-HSA IMMA - Tier 40.95%$50,000.0012/21/2018
IRA-HSA IMMA - Tier 5
IRA-HSA IMMA - Tier 51.05%$100,000.0012/21/2018
IRA-HSA IMMA - Tier 6
IRA-HSA IMMA - Tier 61.05%$500,000.0012/21/2018
IRA-HSA IMMA - Tier 7
IRA-HSA IMMA - Tier 71.25%$1,000,000.0012/21/2018
IRA-HSA IMMA - Tier 8
IRA-HSA IMMA - Tier 81.25%$2,000,000.0012/21/2018
IRA-HSA IMMA - Tier 9
IRA-HSA IMMA - Tier 92.10%$5,000,000.0012/21/2018

1) Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates for accounts are variable and may change after account opening.

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Consumer Accounts

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Last Updated Saturday, December 15, 2018 2:59 AM EST

APY1Minimum BalanceValid Thru
Spartan Saver
Spartan Saver0.10%None12/31/2018
Holiday / Vacation
Holiday / Vacation0.10%None12/31/2018
Totally Green Checking
Totally Green Checking0.00%None12/31/2018
Money Market Checking - Tier 1
Money Market Checking - Tier 10.35%$2,000.0012/21/2018
Money Market Checking - Tier 2
Money Market Checking - Tier 20.40%$10,000.0012/21/2018
Money Market Checking - Tier 3
Money Market Checking - Tier 30.45%$50,000.0012/21/2018
Money Market Checking - Tier 4
Money Market Checking - Tier 40.50%$100,000.0012/21/2018

1) Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates for accounts are variable and may change after account opening.

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Certificates and IRA2

Certificate & IRA

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Last Updated Saturday, December 15, 2018 2:59 AM EST

APY1Minimum BalanceValid Thru
3-Month Certificate or IRA-HSA (3-5 Months)
3-Month Certificate or IRA-HSA (3-5 Months)1.30%$500.0012/21/2018
3-Month Certificate or IRA-HSA (3-5 Months) Jumbo
3-Month Certificate or IRA-HSA (3-5 Months) Jumbo1.55%$100,000.0012/21/2018
6-Month Certificate or IRA-HSA (6-11 Months)
6-Month Certificate or IRA-HSA (6-11 Months)1.75%$500.0012/21/2018
6-Month Certificate or IRA-HSA (6-11 Months) Jumbo
6-Month Certificate or IRA-HSA (6-11 Months) Jumbo2.00%$100,000.0012/21/2018
13-23 Months Certificate or IRA-HSA
13-23 Months Certificate or IRA-HSA2.15%$500.0012/21/2018
13-23 Months Certificate or IRA-HSA Jumbo
13-23 Months Certificate or IRA-HSA Jumbo2.41%$100,000.0012/21/2018
1-Year Add-On Certificate or IRA-HSA
1-Year Add-On Certificate or IRA-HSA2.15%$50.0012/21/2018
1-Year Add-On Certificate or IRA-HSA Jumbo
1-Year Add-On Certificate or IRA-HSA Jumbo2.41%$100,000.0012/21/2018
18 Month Certificate or IRA-HSA
18 Month Certificate or IRA-HSA2.40%$500.0012/21/2018
18 Month Certificate or IRA-HSA Jumbo
18 Month Certificate or IRA-HSA Jumbo2.66%$100,000.0012/21/2018
2-Year Certificate or IRA-HSA (24-35 Months)
2-Year Certificate or IRA-HSA (24-35 Months)2.50%$500.0012/21/2018
2-Year Certificate or IRA-HSA (24-35 Months) Jumbo
2-Year Certificate or IRA-HSA (24-35 Months) Jumbo2.76%$100,000.0012/21/2018
3-Year Certificate or IRA-HSA (36-47 Months)
3-Year Certificate or IRA-HSA (36-47 Months)2.75%$500.0012/21/2018
3-Year Certificate or IRA-HSA (36-47 Months) Jumbo
3-Year Certificate or IRA-HSA (36-47 Months) Jumbo3.01%$100,000.0012/21/2018
4-Year Certificate or IRA-HSA (48-59 Months)
4-Year Certificate or IRA-HSA (48-59 Months)2.90%$500.0012/21/2018
4-Year Certificate or IRA-HSA (48-59 Months) Jumbo
4-Year Certificate or IRA-HSA (48-59 Months) Jumbo3.16%$100,000.0012/21/2018
5-Year Certificate or IRA-HSA
5-Year Certificate or IRA-HSA3.25%$500.0012/21/2018
5-Year Certificate or IRA-HSA Jumbo
5-Year Certificate or IRA-HSA Jumbo3.51%$100,000.0012/21/2018
7-Year Certificate or IRA
7-Year Certificate or IRA3.50%$2,500.0012/21/2018
7-Year Certificate or IRA Jumbo
7-Year Certificate or IRA Jumbo3.76%$100,000.0012/21/2018

1) Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA.

2) Early Withdrawal Details:
Certificates of One Year or less: Results in penalty equal to 90 days dividends based on amount withdrawn.
1-5 Year Certificates: Results in penalty equal to 180 days dividends based on amount withdrawn.
7 Year Certificates: Results in penalty equal to 365 days dividends based on amount withdrawn.
If the dividend is not sufficient to cover the penalty, the principal amount will be reduced to cover this amount. The above penalties will not be charged in cases of withdrawal due to disability or after death of an owner of this Certificate.

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