Checking and Certificate Accounts are compounded daily and credited monthly. Savings and IRA dividends are compound daily and credited quarterly. Minimum Balance required to open an account and earn the posted APY. There may be a government penalty for early withdrawal of IRA funds. There is a substantial penalty for early (premature) withdrawal of Certificate Accounts, Youth Certificate Accounts, and IRA Certificate Accounts (Term Share) funds. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time. Fees may reduce earnings.

APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed.

All Mortgage loans include 1% origination and are based on an 80% LTV of purchase price. Certain restrictions apply. Rates subject to change and are not guaranteed until locked. Ask to speak to a Mortgage Representative for further information.

Home Equity Line of Credit (HELOC) Rates: The index is based on the quarterly average of the Wall Street Journal Prime Rate as stated on the first (1st) work day of each month within the calendar quarters beginning with January, April, July and October (“the Index”) plus a margin of 1.0% and adjusted upward to the nearest 0.250% on loans with a loan-to-value of 80% or less. On loans with a loan-to-value higher than 80%, the rate shall be determined by using the Index plus a margin of 2.0% and adjusted upward to the nearest 0.250%.

Rental Property, Vacation Property and Land Line of Credit Rates: The rate shall be determined by using the Index plus a margin of 3.0% and adjusted upward to the nearest 0.250%. On Credit Builder Home Equity Loans, the rate shall be determined by using the Index plus a margin of 6.5% and adjusted upward to the nearest 0.250%. The APR shall be subject to modification and adjustment any quarter hereafter until this loan is fully paid and discharged, and shall not exceed the maximum interest rate “cap” or 18%, whichever is less, and shall not decline below the minimum interest rate of 5%.

NOTE: Property financed must be in Arizona. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.