TruStage Insurance

Backed by more than 90 years of working with credit unions and their members, TruStage™ is here for all your insurance needs, including life, auto and home, and more.

Instant online quotes
Friendly, convenient service
Savings for NW Plus members
Peace of mind

Start Your Quote Today

Insurance should be an important part of a solid financial plan. Looking for reliable options designed to be simple? The key is finding coverage that fits your needs from someone trustworthy, because the right insurance could help give you peace of mind.

Ready to speak to a licensed agent? Call 1-855-612-7910, or visit www.TruStage.com today!

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Auto Insurance

You Could Be Paying Too Much for Auto Insurance

You work hard for your money and even harder to keep your budget on track. So why pay way more than you have to for auto insurance?

How much could I save?

Credit union members could save hundreds of dollars on auto insurance through the TruStage™ Auto Insurance and Home Program. And it could be simple to switch carriers—without losing any money.

What are the advantages?

The TruStage™ Auto Insurance Program offers a powerful mix of savings & popular, member-friendly benefits:

Credit union members could save
Nationally recognized companies
Friendly service with extended hours

Don’t wait to see how much you could save, get a free quote today!

See What You Could Save

Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. ©TruStage
AUT-2948367.4-0924-1026

Home Insurance

There’s No Place Quite Like Home

You work hard to give your family a home and the treasured memories that go with it. Help protect them with the TruStage™ Home Insurance Program.

What’s covered?

Home Insurance could help cover damage or loss due to fire, weather, theft and more. And it helps protect you from liability if an accident happens on your property.

What are the advantages?

TruStage gives credit union members access to coverage underwritten by Liberty Mutual Insurance^®, and these popular benefits:^*

Potential savings for credit union members
Discounts for multiple policies
24/7 claims, even on holidays
Inflation protection
Temporary housing assistance when you need it

Get a free quote today and help make sure the place you call home has the protection it deserves.

Get Your free quote today

*Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

TruStage™ Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2025 Liberty Mutual Insurance. All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features not available in all states. Discounts are not available in all states and discounts vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC. ©TruStage
AUT-2948981.4

Life Insurance

Coverage Designed to Help Protect Your Family.

You’ve always done what’s right for the ones you love. Taking steps to help make sure they’re financially covered if you’re no longer here is one more way to show you care.

What’s covered?

TruStage™ Life Insurance provides money your loved ones could use to help pay mortgage or rent, day-to-day bills, medical and funeral expenses — whatever is needed most if you’re not there.

What are the advantages?

TruStage helps you to compare insurance and explore your options — so you could make the right choice for your family.

Compare Life Insurance options
See instant quotes based on your budget and needs
Apply online or over the phone

Give your family a sense of security starting today.

Get an instant online quote, or call 1-855-612-7910 and talk to a licensed agent.

Compare Insurance Plans

TruStage^TM Life Insurance is issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, and other leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. All guarantees are based on the claims-paying ability of the insurer. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. ©TruStage
GEN-2944019.4

AD&D

Accidental Death & Dismemberment Insurance

A serious or fatal accident could change your family’s lives in a heartbeat. In fact, accidents are the third leading cause of death for people of all ages.¹

That’s why as a NW Plus CU member, you have access to $2,000 of no-cost TruStage^TM Accidental Death & Dismemberment (AD&D) Insurance that’s fully paid for by your credit union. All you need to do is claim it.

You could enroll in your no-cost coverage in just a few minutes. If you choose, additional insurance is available for you or maybe even your entire family, designed to be at budget-friendly rates. Your acceptance is guaranteed, with no health questions or medical exam.

Since accidents could happen anytime, there’s no better time to help protect the people who matter most to you. Claim your no-cost AD&D coverage today.

Claim Your Coverage

1.Centers for Disease Control and Prevention, National Center for Health Statistics Systems, Mortality 2018-2023 on CDC Wonder Online Database, released in 2024.

TruStage^TM Accidental Death and Dismemberment Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Policy Form Numbers: E10a-014-2012, 2018-ADD-POL-LSCU, 2018-ADD-POL-NC(WA), 2018-ADD-POL-IND(WA), 2018-ADD-POL(ID), 2018-ADD-POL, 2018-ADD-POL(OR). ©TruStage
ADI-2951070.4

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Start Your Quote Today

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What is TruStage Consumer Insurance?

TruStage offers insurance the credit union way. Our products are made available through TruStage Insurance Agency and underwritten by CMFG Life Insurance Company and other leading insurance companies. Today, more than 22 million¹ members rely on TruStage for products, services, expertise, and experience. With a commitment to dependability and a member-first philosophy, we help you protect what matters most.

1 TruStage internal data

Where can I learn more about TruStage?

You can visit their website at www.TruStage.com or call 1-855-612-7910.

What can I expect when I call the Toll Free number for TruStage?

The phone representatives will discuss your life situation and recommend plans that will help you accomplish your goals. They’ll be able to suggest some appropriate TruStage Consumer Insurance products. No pressure, just information to help you make an informed decision.

Looking for help with your TruStage coverage?

TruStage Member Services: 1-888-787-8243

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A tradition of strength

TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of December 2024 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An “A” rating is the third highest of 16 ratings.

Kasasa Cash Checking CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash Checking account. Move the sliders or type in the numbers to see your potential rewards.

Estimated Annual Rewards $0
Estimated monthly dividends earned* $0
Monthly ATM fees refunded**$0

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Questions

*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 15.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

Net cost of buying $0
Net cost of leasing $0

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Questions

CDs CalculatorDisclaimer

A fixed-rate, fixed-term CDs can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

Total value at maturity $0
Total dividends earned $0
Annual Percentage Yield (APY)0.000%

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Questions

Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

Monthly deposit needed to reach goal $0

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Questions

Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

Estimated monthly payment $0
Total paid $0
Total interest paid $0

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Questions

12 Month Certificate of Deposit

Minimum Deposit	Interest Rate	Annual Percentage yield
$500	4.75%	4.83%

All certificates of deposit require a $500 minimum deposit.
Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
These rates are indications only.
The CU reserves the right to change the posted rates to reflect market conditions and other factors.
The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

24 Month Certificate of Deposit

Deposit Amount	Minimum Deposit	Interest Rate	Annual Percentage yield
$500 - $9,999	$500	0.30%	0.30%
$10,000 - $99,999	$10,000	0.35%	0.35%
$100,000 - over	$100,000	0.40%	0.40%

All certificates of deposit require a $500 minimum deposit.
Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
These rates are indications only.
The CU reserves the right to change the posted rates to reflect market conditions and other factors.
The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

3 Month Certificate of Deposit

Deposit Amount	Minimum Deposit	Interest Rate	Annual Percentage yield
$500 - $9,999	$500	0.15%	0.15%
$10,000 - $99,999	$10,000	0.20%	0.20%
$100,000 - over	$100,000	0.25%	0.25%

Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
These rates are indications only.
The CU reserves the right to change the posted rates to reflect market conditions and other factors.
The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.
3-month certificate is no longer able available for new accounts or additional deposits to existing accounts.

36 Month Certificate of Deposit

Deposit Amount	Minimum Deposit	Interest Rate	Annual Percentage yield
$500 - $9,999	$500	0.35%	0.35%
$10,000 - $99,999	$10,000	0.40%	0.40%
$100,000 - over	$100,000	0.45%	0.45%

All certificates of deposit require a $500 minimum deposit.
Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
These rates are indications only.
The CU reserves the right to change the posted rates to reflect market conditions and other factors.
The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

48 Month Certificate of Deposit

Deposit Amount	Minimum Deposit	Interest Rate	Annual Percentage yield
$500 - $9,999	$500	0.40%	0.40%
$10,000 - $99,999	$10,000	0.45%	0.45%
$100,000 - over	$100,000	0.50%	0.50%

All certificates of deposit require a $500 minimum deposit.
Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
These rates are indications only.
The CU reserves the right to change the posted rates to reflect market conditions and other factors.
The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

6 Month Certificate of Deposit

Minimum Deposit	Interest Rate	Annual Percentage yield
$500	4.00%	4.06%

All certificates of deposit require a $500 minimum deposit.
Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
These rates are indications only.
The CU reserves the right to change the posted rates to reflect market conditions and other factors.
The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

60 Month Certificate of Deposit

Deposit Amount	Minimum Deposit	Interest Rate	Annual Percentage yield
$500 - $9,999	$500	0.45%	0.45%
$10,000 - $99,999	$10,000	0.50%	0.50%
$100,000 - over	$100,000	0.55%	0.55%

All certificates of deposit require a $500 minimum deposit.
Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
These rates are indications only.
The CU reserves the right to change the posted rates to reflect market conditions and other factors.
The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

Adjustable Rate Mortgage

Conventional - Owner Occupied

Maximum Loan Amount $850,000

30 Year Term	Note Rate	APR	Max. LTV	Loan Fee	P&I Payment Based On $100,000
3/1 ARM	5.875%	5.995%	95%	0.500%	($591.54)
5/1 ARM	6.000%	6.121%	95%	0.500%	($599.55)
7/1 ARM	6.250%	6.382%	95%	0.500%	($615.72)

Welcome Home Loan: Primary Residence Purchase

Maximum Loan Amount $806,500**

30 Year Term	Note Rate	APR	Max. LTV	Loan Fee	P&I Payment Based On $100,000
5/1 ARM	6.000%	6.145%	100%	0.750%	($599.55)
7/1 ARM	6.250%	6.407%	100%	0.750%	($615.72)

Adjustment Criteria:

Current Index: 1 YR T-BILL = 3.500%

Program No.	Index	Margin	Annual Cap	Life Cap
NON 5/1	1 Yr T-Bill	3.500%	2.000%	5.000%	START RATE IS FLOOR RATE
ARM 3/1	1 Yr T-Bill	2.500%	2.000%	5.000%
ARM 5/1	1 Yr T-Bill	2.500%	2.000%	5.000%
ARM 7/1	1 Yr T-Bill	2.500%	2.000%	5.000%
UP	1 Yr T-Bill	3.500%	2.000%	6.000%	START RATE IS FLOOR RATE

*All rates are subject to change without notice.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
ARM = Adjustable Rate Mortgage
**Except in Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300

Mortgage Program rates effective as of 02/06/2026

Certificates of Deposit

Certificate Term	Minimum Deposit	Interest Rate	Annual Percentage yield
6 Month	$500	3.00%	3.03%
12 Month*	$500	3.00%	3.03%
24 Month*	$500	3.50%	3.54%
36 Month	$500	3.50%	3.54%
48 Month	$500	3.25%	3.29%
60 Month	$500	3.00%	3.03%

All certificates of deposit require a $500 minimum deposit.
Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
These rates are indications only.
The CU reserves the right to change the posted rates to reflect market conditions and other factors.
The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.
*12 and 24 Month Certificates have a bump feature that allows for one bump in interest rate during the term of the CD. Promotional rates excluded.

APY = Annual Percentage Yield. Rates effective as of 12/18/2025. Fees may reduce earnings.

Certificates of Deposit / IRA Rates

Deposit Amount	Minimum Deposit	Interest Rate	Annual Percentage yield
3 Month Certificate of Deposit $25 - $9,999 $10,000 - $99,999 $100,000 - over	$500 $10,000 $100,000	0.45% 0.50% 0.55%	0.45% 0.50% 0.55%
6 Month Certificate of Deposit $500 - $9,999 $10,000 - $99,999 $100,000 - over	$500 $10,000 $100,000	0.65% 0.70% 0.75%	0.65% 0.70% 0.75%
12 Month Certificate of Deposit $500 - $9,999 $10,000 - $99,999 $100,000 - over	$500 $10,000 $100,000	1.00% 1.05% 1.10%	1.00% 1.05% 1.10%
24 Month Certificate of Deposit $500 - $9,999 $10,000 - $99,999 $100,000 - over	$500 $10,000 $100,000	1.30% 1.35% 1.40%	1.31% 1.36% 1.41%
36 Month Certificate of Deposit $500 - $9,999 $10,000 - $99,999 $100,000 - over	$500 $10,000 $100,000	1.45% 1.55% 1.65%	1.46% 1.56% 1.66%
48 Month Certificate of Deposit $500 - $9,999 $10,000 - $99,999 $100,000 - over	$500 $10,000 $100,000	1.50% 1.60% 1.70%	1.51% 1.61% 1.71%
60 Month Certificate of Deposit $500 - $9,999 $10,000 - $99,999 $100,000 - over	$500 $10,000 $100,000	1.80% 1.90% 2.00%	1.81% 1.91% 2.02%

All certificates of deposit require a $500 minimum deposit.

Youth certificates of deposit require a minimum deposit of $25 for 0-6 years of age, $50 for 7-12 years of age and $100 for 13-18 years of age.

Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.

These rates are indications only.

The CU reserves the right to change the posted rates to reflect market conditions and other factors.

The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

Checking Accounts

Account	Minimum Balance	Dividend Rate	Annual Percentage Yield
Kasasa Cash Back*	$0	0.00%	0.00%
Basic Checking	$0	0.00%	0.00%
Direct Checking	$0	0.03%	0.03%
Smart Checking (Youth)	$0	0.00%	0.00%
Basic Business Checking	$0	0.00%	0.00%
Premium Business Checking	$5,000	0.10%	0.10%

The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors.
Fees may reduce earnings.
$5 is required to open savings account to obtain membership.
*Rewards checking account that offers Cash Back rewards when certain monthly qualifications are met.

APY = Annual Percentage Yield. Rates effective as of 12/18/2025. Fees may reduce earnings.

Equity Loan Program

Term	Note Rate	APR	Max LTV	Loan Fee	P&I Pmt Based on $100,000
Equity Line of Credit - 20 Year Term
HELOC - $100,000 Max	8.000%	8.093%	80%^*	0.000%	($836.44)
HELOC Plus - $100,000 Max	8.250%	8.414%	90%	0.500%	($852.07)
HELOC Plus - $250,000 Max	8.750%	8.956%	90%	0.750%	($883.71)
Closed End Equity - 15 Year Term
Closed End Equity -$100,000 Max	7.750%	7.879%	80%^*	0.500%	($941.28)
Closed End Equity Plus - 20 Year Term
Closed End Equity Plus - $100,000 Max	8.000%	8.151%	90%	0.750%	($836.44)
Closed End Equity Plus - $250,000 Max	8.500%	8.692%	90%	0.750%	($867.82)

All rates are subject to change without notice.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
For additional rates, programs, and costs, please click here

*LTV Maximum - 80% of AVM or 80% of Appraisal

Rates effective as of 12/18/2025.

First Mortgage Fixed Rate Program (ARCHIVE)

Owner Occupied Property	Note Rate	APR	Max LTV	Loan Fee	P&I Pmt Based on $100,000
30 Years	6.875%	6.998%	95%	0.500%	($656.93)
20 Year	6.500%	6.656%	95%	0.500%	($745.57)
15 Years	6.500%	6.696%	95%	0.500%	($871.11)
10 Years	6.375%	6.649%	95%	0.500%	($1,129.13)

Mortgage Program rates effective as of: 12/07/2023

Fixed Rate Mortgage

Conventional - Owner Occupied

Maximum Loan Amount $806,500

Term	Note Rate	APR	Max LTV	Loan Fee	P&I Pmt based on $100,000
30 Years	6.000%	6.121%	95%	0.500%	($599.55)
20 Year	5.875%	6.035%	95%	0.500%	($709.24)
15 Years	5.625%	5.823%	95%	0.500%	($823.73)
10 Years	5.500%	5.780%	95%	0.500%	($1,085.26)
30 Years USDA**	6.125%	6.248%	102%	0.500%	($607.61)

High Balance Owner Occupied

Maximum Loan Amount $1,037,300

Term	Note Rate	APR	Max. LTV	Loan Fee	P&I Pmt Based on $100,000
30 Years	6.500%	6.627%	95%	0.500%	($632.07)
15 years	6.125%	6.330%	95%	0.500%	($850.62)

*All rates are subject to change without notice.
**Purchase & Refinance Existing USDA Only
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Mortgage Program rates effective as of: 02/06/2026

Investment Property Mortgage

Non-Owner Occupied: Fixed and Adjustable Rates

Maximum Loan Amount* **

Term	Note Rate	APR	Max. LTV	Loan Fee	P&I Pmt Based on $100,000
30 Years Fixed	6.750%	7.031%	85%	2.000%	($648.60)
30 Years 5/1 ARM	6.750%	7.031%	85%	2.000%	($648.60)

*All rates are subject to change without notice.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
*Maximum Fixed Rate Loan Amount $766,550
**Maximum Adjustable Rate Loan Amount $850,000
ARM = Adjustable Rate Mortgage

Mortgage Program rates effective as of: 02/06/2026

Kasasa Cash

Account Balance	Minimum Opening Deposit	Dividend Rate	APY

Kasasa Cash Back

Each Monthly Qualification Cycle	Monthly Account Maintenance Fee	Percentage of cashback on up to $150 in debit card purchases monthly	Maximum Cash Back Earnings
When Qualifications are met	$0	5.00%	$150 per year, $12.50 per month
When Qualifications not met	$0	None	n/a

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle

At least 12 debit card purchases
Be enrolled in and log into online banking
Be enrolled in and have agreed to receive e-statements rather than paper statements
Maintain a valid email address on record with the credit union

Kasasa Cash*

Account Balance	Minimum Opening Deposit	Dividend Rate	APY
up to $15,000	$25	5.00%	5.12%
$15,000+	$25	0.20%	5.12% -.88%
Qualifications not met	NA	0.03%	0.03%

Qualifications: Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle

At least 12 debit card purchases
Be enrolled in and log into online banking
Be enrolled in and have agreed to receive e-statements rather than paper statements
Maintain a valid email address on record with the credit union

APY = Annual Percentage Yield. Rates effective as of 02/01/2026. Fees may reduce earnings.

Kasasa Saver*

Account Balance	Minimum Opening Deposit	Dividend Rate	APY
Up to $100,000	$0	2.00%	2.02%
$100,000+	$0	1.00%	2.02% to 1.51%
Qualifications not met	$0	0.03%	0.03%

Qualifications: Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle

At least 12 debit card purchases
Be enrolled in and log into online banking
Be enrolled in and agreed to receive e-statements rather than paper statements
Maintain a valid email address on record with credit union

APY = Annual Percentage Yield. Rates effective as of 12/18/2025. Fees may reduce earnings.

Land Loans

Land Purchase

Maximum Loan Amount $300,000

Term	Note Rate	APR	Max. LTV	Loan Fee	P&I Pmt Based on $100,000
15 Years	6.625%	6.917%	75%	1.000%	($877.99)
20 Years	7.125%	7.366%	75%	1.000%	($782.82)

Purchase & No Cash-Out Refinance only
Maximum of 10 acres
Zoned either Residential or Recreation
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Mortgage Program rates effective as of 02/06/2026

Loans

Loan	Lowest Annual Percentage Rate	Highest Annual Percentage Rate
Auto Loans-New Purchase & Refinance Internal Refinance	4.99% 5.99%	11.99% 12.99%
Auto Loans-Used Purchase & Refinance Internal Refinance	5.24% 6.24%	12.24% 13.24%
Boat & RV Loans New & Used, Purchase & Refinance. New Money Only.	7.75%	12.75%
Motorcycles & Snowmobiles	7.75%	12.75%
Personal Loan Up to $7,500 $7,501 to $15,000 $15,001+	9.50% 10.50% 11.50%	16.50% 17.50% 18.00%
Timeline Loan Unsecured revolving line of credit; attached to checking	10.50%	17.50%
Home Improvement Loan up to $10,000	8.50%	8.50%
Home Improvement Loan up to $25,000	9.00%	9.00%
Share Secured	Call for Rate	Call for Rate
ITIN Lending	Call for additional Info

Loan based upon credit rating.
Rates subject to change without notice.
Rates subject to change based on term.
Please call for current rates and terms.
To refinance an existing NW Plus CU Loan, please call for rates.

Rates effective as of 12/18/2025.

Personal Term Loans

Loan Amount	Lowest APR*	Highest APR*
Up to $7,500	9.50%	16.50%
$7,501 to $15,000	10.50%	17.50%
$15,001+	11.50%	18.00%

*APR–Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.

Rates effective as of 12/18/2025.

Premium Interest Checking

Account	Minimum Balance	Dividend Rate	Annual Percentage Yield
$0 - $1,499	$1,500	0.05%	0.05%
$1,500 +	$1,500	0.10%	0.10%

The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors.
Fees may reduce earnings.
$5 is required to open savings account to obtain membership.

Savings Accounts

Account	Minimum Balance	Dividend Rate	Annual Percentage Yield
Regular Savings	$5.00 to earn interest	0.25%	0.25%
Regular Business Savings	$5.00	0.25%	0.25%
Smart Savings (Youth)	$5.00	5.00% on balances up to $500 0.15% on balances over $500	5.09% on balances up to $500 0.15% on balances over $500
Club Accounts	$0.00	1.00%	1.00%
Money Market $2,000 - $9,999	$2,000	0.70%	0.70%
Money Market $10,000 - $24,999	$10,000	0.85%	0.85%
Money Market $25,000 - over	$25,000	1.00%	1.00%
Premium Money Market $50,000 - $99,999	$50,000	1.25%	1.26%
Premium Money Market $100,000 - $249,999	$100,000	1.50%	1.51%
Premium Money Market $250,000 - over*	$250,000	1.75%	1.76%

The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors.
Fees may reduce earnings.
$5 is required to open savings account to obtain membership.
*Funds on deposit over $250,000 may not be insured by NCUA

APY = Annual Percentage Yield. Rates effective as of 11/3/2025. Fees may reduce earnings.

Vehicle Loans

New* Cars	Lowest APR*	Highest APR*
Purchase & Refinance	4.99%	11.99%
Internal Refinance	5.99%	12.99%

*Applies to model year 2024 and newer

Used Cars	Lowest APR*	Highest APR*
Purchase & Refinance	5.24%	12.24%
Internal Refinance	6.24%	13.24%

Recreational Vehicles	Lowest APR*	Highest APR*
Boat	7.75%	12.75%
RV	7.75%	12.75%
Motorcycle	7.75%	12.75%
Snowmobile	7.75%	12.75%

*APR=Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.

Rates effective as of 12/18/2025.

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12 Month Certificate of Deposit

24 Month Certificate of Deposit

3 Month Certificate of Deposit

36 Month Certificate of Deposit

48 Month Certificate of Deposit

6 Month Certificate of Deposit

60 Month Certificate of Deposit

Adjustable Rate Mortgage

Conventional - Owner Occupied

Welcome Home Loan: Primary Residence Purchase

Adjustment Criteria:

Certificates of Deposit

Certificates of Deposit / IRA Rates

Checking Accounts

Equity Loan Program

First Mortgage Fixed Rate Program (ARCHIVE)

Fixed Rate Mortgage

Conventional - Owner Occupied

High Balance Owner Occupied

Investment Property Mortgage

Non-Owner Occupied: Fixed and Adjustable Rates

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Land Purchase

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