Personal Loan 
                                      Up to 24   25- 36     37 - 48   49 - 60 
        Tier            Credit Score
                                      months     months    months     months
        A+              750+           6.99%     6.99%      7.74%      8.24%
        A               725 -749       8.49%     8.99%      9.24%      9.49%
        B+              700 - 724     10.49%     10.99%     11.24%    11.49%
        B               675 -699      11.49%     11.99%     12.24%    12.49%
        C               625 - 674     14.49%     14.99%     15.24%    15.49%
        D               600 - 624     17.49%     17.99%     17.99%    17.99%
        E               599 & Below   17.99%     17.99%     17.99%    17.99%
        Co-Op Credit Card Rates*
                                    VISA Classic  VISA       VISA 
        Tier             Credit Score  APR      Signature  Business 
                                                  APR        APR
        A               750+          11.25%     12.25%     9.75%
        B               680-749       13.25%     14.25%     11.75%
        C               640-679       16.25%     17.25%     14.75%
        D               639 & Below   17.99%     17.99%     17.99%
        *All rates are variable
        *Cash Advance rates are 3% above listed rate not to exceed 17.99%
        *Note: The VISA Signature Program has a minimum credit limit of $5,000.00
        LOC                                    Certificate Secured
        Type            Rate                   Rate                 Term
                                                                    Certificate 
        Line of Credit       15.00%            Certificate Rate + 3.5%
                                                                    Maturity
                                               *Minimum loan amount $500 
        Share Secured**
        Term               1 year     2 year     3 year     4 year     5 year
        Margins          Base * + 3.5% Base * + 3.5% Base * + 4.5% Base * + 5.5% Base * + 6.5%
        *Base = highest current tiered share account rate
        *Combined base plus margin rate is rounded up to the nearest 1/4%
        Rates effective as of 8-1-22 and are subject to change
        For Internal Use Only
         Auto Loan Rates and Terms
                                               B+ tier B tier C tier  D tier
                         Loan   A+ tier A tier
           Vehicle Year                         690 -  665 -   625 -  624 & 
                         Term    760+  730-759
                                                729     689    664    Below
            2022-2021   up to 65   5.19   5.39    5.84   6.34    9.54   17.99
                         66-72     5.39   5.54    6.09   7.04   10.54   17.99
                        73-84*     5.94   6.19    6.84   7.94   11.04   17.99
            2020-2019   up to 65   5.24   5.49    5.84   6.39   10.74   17.99
                         66-72     5.39   5.74    6.24   7.14   11.54   17.99
                        73-84*     6.19   6.49    6.99   8.39   12.04   17.99
            2018-2017   up to 60   5.74   5.99    6.24   6.99   11.49   17.99
                         61-66     5.84   6.04    6.59   7.09   11.79   17.99
                         67-72     5.94   6.14    6.84   7.29   12.29   17.99
            2016-2015   up to 60   5.84   6.19    6.74   7.29   11.79   17.99
                         61 - 66   5.99   6.29    6.99   7.64   12.29   17.99
                         67 - 72   6.24   6.44    7.59   8.29   12.79   17.99
          2014 and Older Up to 36  7.69   8.09    8.59   8.89   15.19   17.99
                         37-48     7.74   8.39    9.04   9.44   16.29   17.99
                         49-60     9.39   9.64   10.49  10.29   16.79   17.99
         *79 - 84 months financing available on loans exceeding $30,000 only
         Rates effective as of 8-1-22 and are subject to change
         For Internal Use Only
         Motorsports Rates and Terms
                          Loan   A+ tier A tier B+ tier B tier C tier D tier
            Vehicle Year
                         Term    760+   730-759 690 - 729 665 - 689 625 - 664 624 & Below
            2022-2021   up to 65   6.19   6.39   6.84   7.34  10.54     17.99
                         66-72     6.39   6.54   7.09   8.04  11.54     17.99
                         73-84*    6.94   7.19   7.84   8.94  12.04     17.99
            2020-2019   up to 65   6.24   6.49   6.84   7.39  11.74     17.99
                         66-72     6.39   6.74   7.24   8.14  12.54     17.99
                         73-84*    7.19   7.49   7.99   9.39  13.04     17.99
            2018-2017   up to 60   6.74   6.99   7.24   7.99  12.49     17.99
                         61-66     6.84   7.04   7.59   8.09  12.79     17.99
                         67-72     6.94   7.14   7.84   8.29  13.29     17.99
            2016-2015   up to 60   6.84   7.19   7.74   8.29  12.79     17.99
                         61 - 66   6.99   7.29   7.99   8.64  13.29     17.99
                         67 - 72   7.24   7.44   8.59   9.29  13.79     17.99
          2014 and Older Up to 36  8.69   9.09   9.59   9.89  16.19     17.99
                         37-48     8.74   9.39  10.04  10.44  17.99     17.99
                         49-60    10.39  10.64  11.49  11.29  17.99     17.99
         Motorsports= Boats and Motorcycles 
         *79 - 84 months financing available on loans exceeding $30,000 only
         Rates effective as of 8-1-22 and are subject to change
         For Internal Use Only
         Recreational Vehicle (RV) Rates
                                                B+ tier B tier C tier  D tier
                          Loan   A+ tier A tier
           Vehicle Year                         690 -   665 -  625 -   624 & 
                         Term    760+   730-759
                                                 729    689     664   Below
            2022-2021   up to 65   6.69    6.89   7.34    7.84  11.04   17.99
                         66-72     6.89    7.04   7.59    8.54  12.04   17.99
                         73-96*    7.44    7.69   8.34    9.44  12.54   17.99
            2020-2019   up to 65   6.74    6.99   7.34    7.89  12.24   17.99
                         66-72     6.89    7.24   7.74    8.64  13.04   17.99
                         73-96*    7.69    7.99   8.49    9.89  13.54   17.99
            2018-2017   up to 60   7.24    7.49   7.74    8.49  12.99   17.99
                         61-66     7.34    7.54   8.09    8.59  13.29   17.99
                         67-72     7.44    7.64   8.34    8.79  13.79   17.99
            2016-2015   up to 60   7.34    7.69   8.24    8.79  13.29   17.99
                         61 - 66   7.49    7.79   8.49    9.14  13.79   17.99
                         67 - 72   7.74    7.94   9.09    9.79  14.29   17.99
          2014 and Older Up to 36  9.19    9.59  10.09   10.39  16.69   17.99
                         37-48     9.24    9.89  10.54   10.94  17.99   17.99
                         49-60    10.89   11.14  11.99   11.79  17.99   17.99
         *79 - 96 months financing available on loans exceeding $30,000 only
         Rates effective as of 8-1-22 and are subject to change
         For Internal Use Only