ABOUT SAVE BORROW ACCESS BENEFITS TOOLS CONTACT HELOC (HOME EQUITY LINE OF CREDIT) Refinance Mortgage • Pay for College • Remodel Your Home • Consolidate Bills Choose our new Prime Line or First Trust Deed Home Equity Loan and watch your goals become a reality. As a homeowner, you’ve been building equity with each mortgage payment. With a home equity line of credit or loan, you can use your home as a collateral and borrow against what you already own. Here is a sample as to how to calculate your home's equity (estimate). Learn More *Appraisal necessary. Why not put your greatest asset to work and make your dreams a reality? Contact a Loan Representative at 866.4NIKKEI or 888.MABUHAY to apply today! Disclosures: Granting of loan subject to approval. Member's FICO Score (or credit score) will determine the category for the maximum amount, term, and interest rate. All rates are subject to change by the Board of Directors without prior notice. Other loan terms and conditions will be disclosed prior to funding a loan. Equity - a percentage of appraised value less any other deeds. Ask your tax advisor for any potential tax benefits of a Home Equity Line of Credit (HELOC). All loans subject to verification of equity, credit approval, FICO credit score, and income qualification. We are an Equal Housing Lender and governed by the National Credit Union Administration (NCUA). Advancing Prosperity for Nikkei and Mabuhay Communities Nikkei Credit Union 866.4NIKKEI (866.464.5534) 18425 S. Western Avenue 2nd Floor Gardena, CA 90248-3822 NMLS #504681 Mabuhay Credit Union 888.MABUHAY (888.622.8429) 146 W. Carson Street Carson, CA 90745-2601 NMLS #504681 Federally Insured by NCUA Protect Your Home From Foreclosure Privacy Policy © 2021 Nikkei CU/Mabuhay CU. All Rights Reserved

ABOUT SAVE BORROW ACCESS BENEFITS TOOLS CONTACT AUDIO PHONE RESPONSE TELLER Get access to your account by phone anytime 24/7. With Audio Response you can: Inquire on balances Inquire on cleared checks and deposits Transfer balances between accounts Request a check withdrawal Make loan payments Call 866.4NIKKEI, option 4 and sign up today! Learn More Advancing Prosperity for Nikkei and Mabuhay Communities Nikkei Credit Union 866.4NIKKEI (866.464.5534) 18425 S. Western Avenue 2nd Floor Gardena, CA 90248-3822 NMLS #504681 Mabuhay Credit Union 888.MABUHAY (888.622.8429) 146 W. Carson Street Carson, CA 90745-2601 NMLS #504681 Federally Insured by NCUA Protect Your Home From Foreclosure Privacy Policy © 2021 Nikkei CU/Mabuhay CU. All Rights Reserved