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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 9.9% APR1

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Last Updated Thursday, December 1, 2022 6:42 AM EST

Annual Percentage Rate (APR1)
Visa Credit Card
Visa Credit CardPlatinumas low as 9.900%2
Platinum Plusas low as 13.900%3
Visa Signatureas low as 14.900%4

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

4) See Visa Signature Credit Card disclosure

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Vehicle Loans

Auto

as low as 5.29% APR1

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Last Updated Thursday, December 1, 2022 6:42 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 5.290%
37 to 48 monthsas low as 5.490%
49 to 60 monthsas low as 5.790%
61 to 72 monthsas low as 6.090%
73 to 84 monthsas low as 6.190%

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 5.29% APR for a term of 36 months would require 36 monthly payments of $30.10 based on 30 days to first payment.

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Motorsport

as low as 5.69% APR1

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Last Updated Thursday, December 1, 2022 6:42 AM EST

TermAnnual Percentage Rate (APR1)
New, Used, and Refinance Motorsport
New, Used, and Refinance MotorsportUp to 36 monthsas low as 5.690%3
37 to 48 monthsas low as 5.890%3
49 to 60 monthsas low as 5.990%3
61 to 72 monthsas low as 6.190%3
73 to 84 monthsas low as 6.690%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 5.69% APR for a term of 36 months with 70% Loan to Value (LTV) would require 36 monthly payments of $30.28 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 7.29% APR1

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Last Updated Thursday, December 1, 2022 6:42 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 7.290%3
61 to 84 monthsas low as 7.390%3
85 to 120 monthsas low as 7.590%3
121 to 144 monthsas low as 7.790%3
145 to 180 monthsas low as 8.090%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 7.29% APR for a term of 60 months would require 60 monthly payments of $19.94 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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Motorcycle

as low as 5.29% APR1

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Last Updated Thursday, December 1, 2022 6:42 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 5.290%
37 to 48 monthsas low as 5.490%
49 to 60 monthsas low as 5.790%
61 to 72 monthsas low as 6.090%
73 to 84 monthsas low as 6.190%

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 5.29% APR for a term of 36 months would require 36 monthly payments of $30.10 based on 30 days to first payment.

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Business New and Used Auto

as low as 5.79% APR1

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Last Updated Thursday, December 1, 2022 6:42 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 5.790%3
37 to 48 monthsas low as 5.990%3
49 to 60 monthsas low as 6.290%3
61 to 72 monthsas low as 6.590%3
73 to 84 monthsas low as 6.690%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 5.79% APR for a term of 36 months would require 36 monthly payments of $30.33 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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Home Loans

First Mortgage2

as low as 6.125% APR1

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Last Updated Tuesday, December 6, 2022 9:50 AM EST

RateAnnual Percentage Rate (APR1)Points
Conventional Fixed-Rate Mortgages
Conventional Fixed-Rate Mortgages30 Yearas low as 6.125%6.209%0
20 Yearas low as 5.875%5.985%0
15 Yearas low as 5.500%5.638%0
10 Yearas low as 5.500%5.696%0
Jumbo Fixed Mortgages
Jumbo Fixed Mortgages30 Yearas low as 5.625%5.650%0
20 Yearas low as 5.500%5.533%0
15 Yearas low as 5.250%5.292%0
10 Yearas low as 5.250%5.310%0
Adjustable-Rate Mortgages
Adjustable-Rate Mortgages5/1as low as 5.375%6.554%05
3/1as low as 5.250%6.773%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 loan amount and Jumbo APRs based on $647,200 loan amount and points indicated and does not include prepaid finance charges.

Fixed 60-day rate lock for purchase/refinances. Preapprovals receive a rate guarantee up to 60 days, and receive a rate lock when a signed purchase contract is provided.

There is an origination fee as low as $1195 to process the mortgage loan. Rates can be locked at your request, once a complete application has been submitted.

Fixed-Rate Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $250,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at a 5.50% interest rate (5.581% APR) for a term of 360 months would require monthly payments of $1,135.58. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

Jumbo Fixed-Rate Mortgage Loan Payment Example: (Minimum loan amount $647,200): A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $809,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $647,200 borrowed at a 5.50% interest rate (5.525% APR) for a term of 360 months would require monthly payments of $3,674.73. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

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.

5/1 ARM Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan with a purchase price of $250,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at 4.25% interest rate (APR Rate 4.521% ) for a term of 360 months would require monthly payments of $983.88. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. With a 5/1 ARM, your loan will have an initial fixed-rate period of 60 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

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Home Equity2

as low as 7.00% APR1

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Last Updated Thursday, December 1, 2022 6:42 AM EST

Annual Percentage Rate (APR1)
SmartLine Home Equity Line-Of-Credit
SmartLine Home Equity Line-Of-CreditSmartLine HELOC 70%as low as 7.000%
SmartLine HELOC 80%as low as 7.250%
SmartLine HELOC 90%as low as 7.750%

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

SmartLineSM Loans are for Primary residences and vacation homes located in the state of Michigan. Consult with a reliable tax advisor about the deductibility of SmartLineSM 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. Property insurance on your home is required.

SmartLineSM 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.

SmartLineSM has an option for fixed rate segments. Your rate will depend on your credit score, the Loan-to-Value ratio and the term of the segment.

The segment monthly payment per $1,000 borrowed at 3.25% APR for a term of 60 months with 70% Loan-to-value (LTV) would require 60 monthly payments of $18.08 based on 30 days to first payment.

SmartLineSM loans can have three segments in addition to the line of credit. The payment is determined by adding together the segment payments and the line of credit payment.

There is a $199.00 closing fee plus valuation fee. 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.

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Home Improvement2

as low as 8.99% APR1

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Last Updated Thursday, December 1, 2022 6:42 AM EST

Annual Percentage Rate (APR1)
Home Improvement
Home ImprovementUp to 36 monthsas low as 8.990%
37 to 48 monthsas low as 9.240%
49 to 60 monthsas low as 9.490%
61 to 120 monthsas low as 9.990%
121 to 180 monthsas low as 11.990%

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 8.99% APR for a term of 36 months would require 36 monthly payments of $31.80 based on 30 days to first payment.

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Personal Loans

Personal Loans

as low as 8.99% APR1

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Last Updated Thursday, December 1, 2022 6:42 AM EST

Annual Percentage Rate (APR1)
Debt Consolidation Loan
Debt Consolidation LoanUp to 84 monthsas low as 15.990%
85 to 180 monthsas low as 16.990%
Flex Loan
Flex LoanUp to 6 months28.000%
Green & White Loan
Green & White LoanUp to 12 months9.950%
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 8.990%
Holiday
HolidayUp to 18 monthsas low as 8.990%
Signature Loan
Signature LoanUp to 18 monthsas low as 8.990%
19 to 84 monthsas low as 9.990%
85 to 180 monthsas low as 11.990%

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 8.99% APR for a term of 18 months would require 18 monthly payments of $59.59 based on 30 days to first payment.

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Checking and Savings

Business Accounts

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Last Updated Saturday, December 3, 2022 3:48 AM EST

APY1Minimum BalanceValid Thru
Business Spartan Saver
Business Spartan Saver0.05%None12/31/2022
Business IMMA - Tier 1
Business IMMA - Tier 10.80%$2,000.0012/09/2022
Business IMMA - Tier 2
Business IMMA - Tier 20.80%$10,000.0012/09/2022
Business IMMA - Tier 3
Business IMMA - Tier 31.00%$25,000.0012/09/2022
Business IMMA - Tier 4
Business IMMA - Tier 41.10%$50,000.0012/09/2022
Business IMMA - Tier 5
Business IMMA - Tier 51.10%$100,000.0012/09/2022
Business IMMA - Tier 6
Business IMMA - Tier 61.35%$500,000.0012/09/2022
Business IMMA - Tier 7
Business IMMA - Tier 71.35%$1,000,000.0012/09/2022
Business IMMA - Tier 8
Business IMMA - Tier 81.35%$2,000,000.0012/09/2022
Business IMMA - Tier 9
Business IMMA - Tier 91.35%$5,000,000.0012/09/2022
Money Market Business Checking - Tier 1
Money Market Business Checking - Tier 10.65%$25,000.0012/09/2022
Money Market Business Checking - Tier 2
Money Market Business Checking - Tier 20.75%$50,000.0012/09/2022
Money Market Business Checking - Tier 3
Money Market Business Checking - Tier 30.75%$100,000.0012/09/2022
Business Sweep - Tier 1
Business Sweep - Tier 10.70%$2,000.0012/09/2022
Business Sweep - Tier 2
Business Sweep - Tier 20.70%$10,000.0012/09/2022
Business Sweep - Tier 3
Business Sweep - Tier 30.70%$50,000.0012/09/2022
Business Sweep - Tier 4
Business Sweep - Tier 40.75%$100,000.0012/09/2022
Business Sweep - Tier 5
Business Sweep - Tier 50.75%$500,000.0012/09/2022
Business Sweep - Tier 6
Business Sweep - Tier 60.80%$1,000,000.0012/09/2022
Business Sweep - Tier 7
Business Sweep - Tier 70.80%$2,000,000.0012/09/2022

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 3, 2022 3:48 AM EST

APY1Minimum BalanceValid Thru
IMMA - Tier 1
IMMA - Tier 10.80%$2,000.0012/09/2022
IMMA - Tier 2
IMMA - Tier 20.80%$10,000.0012/09/2022
IMMA - Tier 3
IMMA - Tier 31.00%$25,000.0012/09/2022
IMMA - Tier 4
IMMA - Tier 41.10%$50,000.0012/09/2022
IMMA - Tier 5
IMMA - Tier 51.10%$100,000.0012/09/2022
IMMA - Tier 6
IMMA - Tier 61.35%$500,000.0012/09/2022
IMMA - Tier 7
IMMA - Tier 71.35%$1,000,000.0012/09/2022
IMMA - Tier 8
IMMA - Tier 81.35%$2,000,000.0012/09/2022
IMMA - Tier 9
IMMA - Tier 91.35%$5,000,000.0012/09/2022
IRA-HSA IMMA - Tier 1
IRA-HSA IMMA - Tier 10.80%$50.0012/09/2022
IRA-HSA IMMA - Tier 2
IRA-HSA IMMA - Tier 20.80%$10,000.0012/09/2022
IRA-HSA IMMA - Tier 3
IRA-HSA IMMA - Tier 31.00%$25,000.0012/09/2022
IRA-HSA IMMA - Tier 4
IRA-HSA IMMA - Tier 41.10%$50,000.0012/09/2022
IRA-HSA IMMA - Tier 5
IRA-HSA IMMA - Tier 51.10%$100,000.0012/09/2022
IRA-HSA IMMA - Tier 6
IRA-HSA IMMA - Tier 61.35%$500,000.0012/09/2022
IRA-HSA IMMA - Tier 7
IRA-HSA IMMA - Tier 71.35%$1,000,000.0012/09/2022
IRA-HSA IMMA - Tier 8
IRA-HSA IMMA - Tier 81.35%$2,000,000.0012/09/2022
IRA-HSA IMMA - Tier 9
IRA-HSA IMMA - Tier 91.35%$5,000,000.0012/09/2022

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 3, 2022 3:48 AM EST

APY1Minimum BalanceValid Thru
Spartan Saver
Spartan Saver0.05%None12/31/2022
Holiday / Vacation
Holiday / Vacation0.05%None12/31/2022
Classic Checking
Classic Checking0.00%None12/31/2022
Money Market Checking - Tier 1
Money Market Checking - Tier 10.65%$2,000.0012/09/2022
Money Market Checking - Tier 2
Money Market Checking - Tier 20.65%$10,000.0012/09/2022
Money Market Checking - Tier 3
Money Market Checking - Tier 30.75%$50,000.0012/09/2022
Money Market Checking - Tier 4
Money Market Checking - Tier 40.75%$100,000.0012/09/2022
Savings Builder - Tier 1
Savings Builder - Tier 12.25%2$0 - $999.9912/31/2022
Savings Builder - Tier 2
Savings Builder - Tier 21.42% to 2.25%2$1,000 - $1,999.9912/31/2022
Savings Builder - Tier 3
Savings Builder - Tier 30.56% to 1.42%2$2,000 and above12/31/2022

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.

2) The Savings Builder is a blended rate account which pays a different dividend rate on the amount of funds in each tier. Each dividend rate will apply only to the portion of the account balance within each balance range tier and not the entire account balance. For example, if you had a daily balance of $10,000 in your Savings Builder account, you would earn the Tier 1 rate on the first $999.99, the Tier 2 rate on dollars $1,000 through $1,999.99, and the Tier 3 rate on dollars $2,000 through $10,000. The APY range for Tier 3 assumes a daily balance of $10,000. A higher daily balance will result in a lower APY being earned. Limit one Savings Builder account per account. Youth accounts, business accounts, Individual Retirement Accounts, and Health Savings Accounts are not eligible for a Savings Builder account.

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Certificates and IRA2

Certificate & IRA

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Last Updated Saturday, December 3, 2022 3:48 AM EST

APY1Minimum BalanceValid Thru
3-Month Certificate or IRA-HSA (3-5 Months)
3-Month Certificate or IRA-HSA (3-5 Months)3.00%$500.0012/09/2022
3-Month Certificate or IRA-HSA (3-5 Months) Jumbo
3-Month Certificate or IRA-HSA (3-5 Months) Jumbo3.26%$100,000.0012/09/2022
6-Month Certificate or IRA-HSA (6-11 Months)
6-Month Certificate or IRA-HSA (6-11 Months)4.00%$500.0012/09/2022
6-Month Certificate or IRA-HSA (6-11 Months) Jumbo
6-Month Certificate or IRA-HSA (6-11 Months) Jumbo4.26%$100,000.0012/09/2022
13-23 Months Certificate or IRA-HSA
13-23 Months Certificate or IRA-HSA4.60%$500.0012/09/2022
13-23 Months Certificate or IRA-HSA Jumbo
13-23 Months Certificate or IRA-HSA Jumbo4.86%$100,000.0012/09/2022
1-Year Add-On Certificate or IRA-HSA
1-Year Add-On Certificate or IRA-HSA4.60%$50.0012/09/2022
1-Year Add-On Certificate or IRA-HSA Jumbo
1-Year Add-On Certificate or IRA-HSA Jumbo4.86%$100,000.0012/09/2022
18 Month Certificate or IRA-HSA
18 Month Certificate or IRA-HSA4.50%$500.0012/09/2022
18 Month Certificate or IRA-HSA Jumbo
18 Month Certificate or IRA-HSA Jumbo4.76%$100,000.0012/09/2022
2-Year Certificate or IRA-HSA (24-35 Months)
2-Year Certificate or IRA-HSA (24-35 Months)4.40%$500.0012/09/2022
2-Year Certificate or IRA-HSA (24-35 Months) Jumbo
2-Year Certificate or IRA-HSA (24-35 Months) Jumbo4.66%$100,000.0012/09/2022
3-Year Certificate or IRA-HSA (36-47 Months)
3-Year Certificate or IRA-HSA (36-47 Months)4.20%$500.0012/09/2022
3-Year Certificate or IRA-HSA (36-47 Months) Jumbo
3-Year Certificate or IRA-HSA (36-47 Months) Jumbo4.46%$100,000.0012/09/2022
4-Year Certificate or IRA-HSA (48-59 Months)
4-Year Certificate or IRA-HSA (48-59 Months)4.05%$500.0012/09/2022
4-Year Certificate or IRA-HSA (48-59 Months) Jumbo
4-Year Certificate or IRA-HSA (48-59 Months) Jumbo4.31%$100,000.0012/09/2022
5-Year Certificate or IRA-HSA
5-Year Certificate or IRA-HSA4.00%$500.0012/09/2022
5-Year Certificate or IRA-HSA Jumbo
5-Year Certificate or IRA-HSA Jumbo4.26%$100,000.0012/09/2022
7-Year Certificate or IRA
7-Year Certificate or IRA4.05%$2,500.0012/09/2022
7-Year Certificate or IRA Jumbo
7-Year Certificate or IRA Jumbo4.31%$100,000.0012/09/2022

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) Certificate penalties for early withdrawals:
Certificates of one year or less: Results in penalty equal to 90 days dividends based on amount withdrawn.
Certificates of 13 months to five years: Results in penalty equal to 180 days dividends based on amount withdrawn.
Certificates of more than five years: 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 after death of an owner of a Certificate.

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