5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Current Rates
        Deposits
        Deposits
        Please note: Rates below are current as of�April 1, 2016 and are subject to change without notice.
        Disclosures (https://www.fuzeqna.com/americu/ext/kbsearch.aspx?catid=242)
        CHECKING ACCOUNTS                        Average    Annual    Dividend
                                                 Daily      Percentage Rate
                                                 Balance    Yield
        FREEDOM CHECKING
        AmeriCU�s basic checking product, with no monthly N/A N/A     N/A
        fees, no minimum balance requirements and no per
        check charges.
        PERFORMANCE CHECKING
        For higher balance members, this checking option pays N/A 0.200% 0.200%
        dividends compounded and paid monthly, when you
        maintain an average daily balance of $2,500 or more.
        If your average daily balance falls below $1,000, there
        is a $5.00 monthly minimum balance fee.
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        PRIVILEGED CHECKING
        AmeriCU�s special checking service, for members age N/A 0.200% 0.200%
        50 and older. There are no minimum balance fees, no
        per check charges, and members are eligible for
        discounts on other services. Plus, dividends are earned
        when you maintain an average daily balance of just
        $500 or more.
        IQ CHECKING
        (For members 18-25 years of age) This checking N/A  N/A       N/A
        account is designed for our student members getting
        started in the world of ?nance. There is no minimum
        balance required to open this account. Once member
        turns 26 years of age, the iQ Checking will
        automatically change to a Freedom Checking.
        PRESTIGIOUS CHECKING
        This is a tiered rate checking account. Dividends will be $5,000 � 0.100% 0.100%
        calculated based on the average daily balance. If the $9,999.99
        average daily balance falls below $5,000 during the
                                                 $10,000 �  0.200%    0.200%
        dividend period, you will not earn dividends for the
                                                 $24,999.99
        period and your account will be assessed a minimum
                                                 $25,000 and 0.350%   0.349%
        balance fee. Direct deposit is required.
                                                 up
        HSA CHECKING
        AmeriCU is pleased to offer HSA Checking accounts to $25 to 0.150% 0.150%
        quali?ed individuals who are covered by a High $2,499.99
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Deductible Health Plan. HSAs are Health Savings
                                                 $2,500.00 to 0.250%  0.250%
        Accounts which allow individuals to use pre-taxed
                                                 $4,999.99
        dollars to be withdrawn tax-free to pay for quali?ed
        medical expenses at their own discretion. AmeriCU�s $5,000.00 to 0.350% 0.349%
        HSA Checking offer single and family options. Eligible $9,999.99
        account balances earn dividends, which are
                                                 $10,000.00 0.450%    0.449%
        compounded and paid monthly.
                                                 to
                                                 $49,999.99
                                                 $50,000.00 0.550%    0.549%
                                                 to
                                                 $99,999.99
                                                 $100,000.00 0.600%   0.598%
                                                 and up
        MONEY MARKET SAVINGS                   Average Daily Annual   Dividend
                                               Balance      Percentage Rate
                                                            Yield
        This variable rate savings option pays dividends $0.01 � 0.050% 0.050%
        compounded and paid monthly. Withdrawals limited $499.99
        to 6 per month.
                                               $500.00 �    0.100%    0.100%
                                               $999.99
                                               $1,000.00 �  0.150%    0.150%
                                               $2,499.99
                                               $2,500.00 �  0.250%    0.250%
                                               $9,999.99
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
                                               $10,000.00 � 0.300%    0.300%
                                               $24,999.99
                                               $25,000.00 � 0.350%    0.349%
                                               $49,999.99
                                               $50,000.00 � 0.400%    0.399%
                                               $99,999.99
                                               $100,000.00 � 0.450%   0.449%
                                               $249,999.99
                                               $250,000.00 � 0.500%   0.499%
                                               $999,999.99
                                               $1,000,000.00 0.600%   0.598%
                                               and up
        SAVINGS                                  Average    Annual    Dividend
                                                 Daily      Percentage Rate
                                                 Balance    Yield
        SHARE SAVINGS
        Minimum balance to open account $5.00    $50 �      0.100%    0.100%
                                                 $999.99
                                                 $1,000 �   0.100%    0.100%
                                                 $2,499.99
                                                 $2,500.00- 0.200%    0.200%
                                                 $4,999.99
                                                 $5,000 and 0.200%    0.200%
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
                                                 $5,000 and 0.200%    0.200%
                                                 up
        STARS & STRIPES SHARE SAVINGS
        AmeriCU�s kids� savings account, specially designed for $0.01 � 3.000% 2.960%
        members age 0-12.                        $999.99
                                                 $1,000 �   0.500%    0.499%
                                                 $2,499.99
                                                 $2,500.00- 0.500%    0.499%
                                                 $4,999.99
                                                 $5,000 and 0.500%    0.499%
                                                 up
        HOLIDAY & VACATION CLUBS
        Structured Savings account for special events. Min. $50 � 0.100% 0.100%
        balance to open account is�$5.00.        $999.99
                                                 $1,000 �   0.100%    0.100%
                                                 $2,499.99
                                                 $2,500.00- 0.200%    0.200%
                                                 $4,999.99
                                                 $5,000 and 0.200%    0.200%
                                                 up
        RISING STARS SHARE SAVINGS
        AmeriCU�s teen savings account, specially designed for $0.01 � 3.000% 2.960%
        members age 13-17.                       $999.99
                                                 $1,000 �   0.500%    0.499%
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
                                                 $1,000 �   0.500%    0.499%
                                                 $2,499.99
                                                 $2,500.00- 0.500%    0.499%
                                                 $4,999.99
                                                 $5,000 and 0.500%    0.499%
                                                 up
        HSA SAVINGS
        NEW! AmeriCU is pleased to offer HSA Savings $25 to 0.150%    0.150%
        accounts to individuals who are covered by a High $2,499.99
        Deductible Health Plan. HSAs are Health Savings
                                                 $2,500.00 to 0.250%  0.250%
        Accounts which allow the use of pre-taxed dollars to be
                                                 $4,999.99
        withdrawn tax-free to pay for quali?ed medical
                                                 $5,000.00 to 0.350%  0.349%
        expenses at an individual�s own discretion. AmeriCU�s
                                                 $9,999.99
        HSA Savings offer single and family options. Eligible
        account balances earn dividends, which are
                                                 $10,000.00 0.450%    0.449%
        compounded and paid monthly.
                                                 to
                                                 $49,999.99
                                                 $50,000.00 0.550%    0.549%
                                                 to
                                                 $99,999.99
                                                 $100,000.00 0.600%   0.598%
                                                 and up
        SECURED VISA SAVINGS SHARE ACCOUNTS
        Applicable for our secured VISA product only. $50 � 0.100%    0.100%
                                                 $999.99
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
                                                 $1,000 �   0.100%    0.100%
                                                 $2,499.99
                                                 $2,500.00- 0.200%    0.200%
                                                 $4,999.99
                                                 $5,000 and 0.200%    0.200%
                                                 up
        IRA SAVINGS ACCOUNTS                   Average    Annual      Dividend
                                               Daily      Percentage  Rate
                                               Balance    Yield
        TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS
        Note-These are variable rate savings accounts. $50 � 0.200%   0.200%
        Rates are subject to change without notice. $999.99
                                               $1,000-    0.250%      0.250%
                                               $2,499.99
                                               $2,500-    0.300%      0.300%
                                               $4,999.99
                                               $5,000 and 0.350%      0.349%
                                               up
        Note: Savings, Money Market and Checking accounts are variable rate accounts. Rates are
        subject to change without notice. Applicable fees could reduce earnings on the account.
        The rate may change after the account is opened.
        Business Deposits
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Business Deposits
        Please�note:�Rates�below�are�current�as�of�April�1,�2016�and�are�subject�to�change�without�notice.
        SELECT BUSINESS TIERED MONEY MARKET  ANNUAL PERCENTAGE    DIVIDEND
        ACCOUNT                              YIELD                RATE
        $2,500-9,999.99                      0.025%               0.025%
        $10,000-24,999.99                    0.050%               0.050%
        $25,000-49,999.99                    0.100%               0.100%
        $50,000-99,999.99                    0.150%               0.150%
        $100,000 and up                      0.200%               0.200%
        SELECT BUSINESS SAVINGS         ANNUAL PERCENTAGE       DIVIDEND
        ACCOUNT                         YIELD                   RATE
        $50-$999.99                     0.025%                  0.025%
        $1,000-$2,499.99                0.025%                  0.025%
        $2,500-$4,999.99                0.050%                  0.050%
        $5,000 and up                   0.100%                  0.100%
        SELECT BUSINESS CERTIFICATES � MIN   ANNUAL PERCENTAGE    DIVIDEND
        RANGE $1,000                         YIELD                RATE
        32-89 Days Certi?cate                0.050%               0.050%
        3-5 Month Certi?cate                 0.150%               0.150%
        6-11 Months Certi?cate               0.200%               0.200%
    https://www.americu.org/current�rates/                                      8/28
    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        12-23 Months Certi?cate              0.300%               0.300%
        SELECT BUSINESS FREEDOM         ANNUAL PERCENTAGE       DIVIDEND
        CHECKING                        YIELD                   RATE
        No minimum balance              0.025%                  0.025%
        SELECT BUSINESS VALUE          ANNUAL PERCENTAGE        DIVIDEND
        CHECKING                       YIELD                    RATE
        Avg. Daily Balance $2,500.00   0.050%                   0.050%
        SELECT BUSINESS PREMIER         ANNUAL PERCENTAGE       DIVIDEND
        CHECKING                        YIELD                   RATE
        Avg. Daily Balance $5,000-9,999.99 0.050%               0.050%
        Avg. Daily Balance $10,000-24,999.99 0.100%             0.100%
        Avg. Daily Balance $25,000 and up 0.100%                0.100%
        Loans
        Loans
        At AmeriCU, our goal is to help as many members as possible obtain the credit they
        deserve! The rates shown here are our very best, available to those with excellent credit.
        Loan rates are based on each applicant�s credit history and may vary from those shown
        below.
        The rate you receive may vary based on your MemberPlus
        (https://www.americu.org/spendandsave/member-plus/) Relationship with us.
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Please note: rates below are current as of�April 1, 2016 and are subject to change without notice. The
        rate you pay will be determined by the amount and term of loan and your credit history. All
        rates shown as Annual Percentage Rate (APR).
        NEW VEHICLE LOANS
        MODEL YEARS FOR LAST YEAR, CURRENT YEAR, AND NEXT YEAR�S VEHICLES.
        (MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON
        TERMS FROM 76-84 MONTHS)
        TERM                  APR                  AMOUNT
        Up to 48 Months       as low�as 2.24%      Up to 125% of MSRP
        49-66 months          as low as 2.49%      Up to 125% of MSRP
        67-75 months          as low as 2.99%      Up to 125% of MSRP
        76-84 months          as low as 3.49%      Up to 125% of MSRP
        Payment Example: 
        A typical new auto loan of $20,000 at 2.49% APR would have�66 monthly payments of
        $336.29 each month, with total repayment of $22,194.61 (includes Payment Protection
        Plan).
        USED VEHICLE LOANS
        MODEL YEARS FOR VEHICLES 2 TO 5 YEARS OLD. PREVIOUSLY TITLED AND
        REGISTERED. (MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM
        $25,000 ON TERMS FROM 76-84 MONTHS)
        TERM          APR           AMOUNT
        Up to 48 months as low as 3.24% Up to 125% of NADA/SalesPrice-whichever is less
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        49-66 months  as low as 3.49% Up to 125% of NADA/SalesPrice-whichever is less
        67-75 months  as low as 3.99% Up to 125% of NADA/SalesPrice-whichever is less
        76-84 months  as low as 4.49% Up to 125% of NADA/SalesPrice-whichever is less
        Payment Example: 
        A typical used auto loan of $15,000 at 3.49% APR would have 66 monthly payments of
        $259.35 each month, with a total repayment of $17,116.99 (includes Payment Protection
        Plan).
        OLDER USED VEHICLE
        MODEL YEARS FOR VEHICLES 6 TO 9 YEARS OLD (MINIMUM $5,000)
        TERM           APR           AMOUNT
        Up to 48 months as low as 7.25% Up to 105% NADA/Sales Price-whichever is less
        49-66 months   as low as 7.75% Up to 105% NADA/Sales Price-whichever is less
        Payment Example: 
        A typical used auto loan of $10,000 at 7.75% APR would have 66 monthly payments of
        $194.15 each, with total repayment of $12,813.90 (includes Payment Protection Plan).
        NEW RV AND MARINE�LOANS
        (2017-2015)
        TERM                       APR                      AMOUNT
        up to 66�months            as low as 3.49%          $5,000 +
        67 � 84�months             as low as 4.49%          $25,000+
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        85 � 144�months            as low as 5.49%          $25,000+
        Payment Example: 
        A typical New RV or Marine Loan of $25,000 at 4.49% APR would have�84 monthly
        payments of $347.42 each, with total repayment of $29,182.55.
        USED RV�AND MARINE LOANS
        (2014-2011)
        TERM                       APR                      AMOUNT
        up to 66�months            as low as 4.49%          $5,000+
        67 � 84 months             as low as 5.49%          $25,000+
        85 -144 months             as low as 6.49%          $50,000+
        Payment Example: A Typical Used RV or Marine�Loan of $25,000 at 5.49% APR would
        have�84 monthly payments of $359.17 each, with total repayment of $30,169.54.
        OLDER USED�RV AND MARINE�LOANS
        (2010-2006 *MAXIMUM 10 YEARS�OLD*)
        TERM                       APR                      AMOUNT
        up to 66�months            as low as 8.75%          $5,000+
        Payment Example: 
        A Typical Older Used RV or Marine Loan of $5,000 at 8.75% APR would have�66 monthly
        payments of $95.73 each, with total repayment of $6,317.50.
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        NEW MOTORCYCLE AND SNOWMOBILE LOANS (MAXIMUM UP TO 3 YEARS OLD)
        (MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON
        TERMS FROM 76-84 MONTHS)
        TERM                  APR                  AMOUNT
        Up to�48 months       as low as 2.24%      Up to 125% of MSRP
        49-66 months          as low as 2.49%      Up to 125% of MSRP
        67-75�months          as low as 2.99%      Up to 125% of MSRP
        76-84�months          as low as 3.49%      Up to 125% of MSRP
        Payment Example: 
        A typical new motorcycle/snowmobile loan of $15,000 at 2.49% APR would have 66
        monthly payments of $251.69 each, with total repayment of $16,645.99 (includes Payment
        Protection Plan).
        USED MOTORCYCLE AND SNOWMOBILE LOANS
        (MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON
        TERMS FROM 76-84 MONTHS)
        TERM                APR               AMOUNT
        Up to�48 months     as low as 3.24%   Up to 125% of NADA Retail
        49-66�months        as low as 3.49%   Up to 125% of NADA Retail
        67-75�months        as low as 3.99%   Up to 100% of NADA Retail
        76-84�months        as low as 4.49%   Up to 125% of NADA Retail
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Payment Example: 
        A typical used motorcycle/snowmobile loan of $10,000 at 3.49% APR would have�66
        monthly payments of $172.83 each, with total repayment of $11,411.33 (includes Payment
        Protection Plan).
        SIGNATURE/PERSONAL/UNSECURED LOANS
        (INCLUDES LOANS FOR AUTOS MORE THAN 9 YRS OLD AND/OR LESS THAN $5,000,
        POOL, COMPUTER, ATV, JET SKI, FARM EQUIPMENT, ETC.)
        TERM                    APR                      AMOUNT
        Up to 24 months         as low as 10.00%         Up to $40,000
        25-36 months            as low as 10.25%         Up to $40,000
        37-48 months            as low as 10.50%         Up to $40,000
        49-60 months            as low as 10.75%         Up to $40,000
        SHARE PLEDGE **
        TERM        APR          AMOUNT            SECURITY
        Up to 144   4% above share Maximum amount of Any share account (except
        months      rate         shares            checking or IRA)
        CERTIFICATE PLEDGE **
        TERM                    APR              AMOUNT              SECURITY
        Limited to date of certi?cate 3% above   $500 up to certi?cate Certi?cate
        maturity                certi?cate rate  amount
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        PERSONAL LINE OF CREDIT
           APR                                   AMOUNT
           as low as 10.00%                      up to $5,000
        �
        ** Product not eligible for MemberPlus (https://www.americu.org/spendandsave/member-
        plus/) relationship pricing.
        Credit Cards
        Credit Cards
        Please note: rates below are current as of�April 1, 2016 and are subject to change without
        notice.
                   APR for purchases, Annual Late Notes
                   cash advances and Fee Fee
                   balance transfers
        VISA       10.50%, 11.50%, NONE  Up to  Minimum payment is�3% of balance or
        Signature  13.50% or             $25.00 $25.00 whichever is greater. Credit
        Rewards    15.50%**                     limits based on ability to repay.
                                                Returned�payment fee is up to $25.
                   APR based on
                                                Minimum credit line is $5,000,
                   creditworthiness.
                                                Maximum credit line is $40,000. You
                   This APR will vary
                                                will not be charged interest on
                                                amounts less than $1.00. If you are
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
                   with the market              charged interest, it will be no less
                   according to the             than $0.50. Foreign Transaction Fee
                   Prime Rate.                  (Finance Charge) 1% of transaction
                                                amount in U.S. dollars.
        VISA       8.50%, 9.50%,  NONE   Up to  Minimum payment is�3% of balance or
        Traditional 11.50% or            $25.00 $25.00 whichever is greater. Credit
        Platinum   13.50%**                     limits based on ability to repay.
                                                Returned�payment fee is up to $25.
                   APR based on
                                                Minimum credit line is $500,
                   creditworthiness.
                                                Maximum credit line is $30,000. You
                   This APR will vary
                                                will not be charged interest on
                   with the market
                                                amounts less than $1.00. If you are
                   according to the
                                                charged interest, it will be no less
                   Prime Rate.
                                                than $0.50. Foreign Transaction Fee
                                                (Finance Charge) 1% of transaction
                                                amount in U.S. dollars.
        MasterCard 12.90%�(purchases $12.00 Up to Minimum payment is 1/48th of
                   and balance           $20.00 balance or $10.00 whichever is
                   transfers)                   greater. Credit limits based on ability
                   17.90% Cash                  to repay. Returned check fee is up to
                   Advances                     $25. Minimum credit line is $500,
                                                Maximum credit line is $5,000.
                                                Minimum Interest Charge is $0.50.
                                                Foreign Transaction Fee (Finance
                                                Charge) 1% of transaction amount.
        Secured    15.90%�(purchases NONE Up to Minimum payment is 1/48th of
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        VISA       and balance           $25.00 balance or $10.00 whichever is
        Platinum   transfers)                   greater. Credit limits based on ability
                   17.90% Cash                  to repay. Returned check fee is up to
                   Advances                     $25. Minimum credit line is $500,
                                                Maximum credit line is $5,000.
                                                Minimum Interest Charge is $0.50.
                                                Foreign Transaction Fee (Finance
                                                Charge) 1% of transaction amount.
        *APR = Annual Percentage Rate. 
        ** Your standard APR may vary and is based on Prime Rate. Your rate is determined by
        adding a margin to the Prime Rate. The Prime Rate Index used to determine your APR is the
        rate published in The Wall Street Journal quarterly (January, April, July and October) and
        changes are effective as of the ?rst date of your next billing cycle. Current rates as
        of�February�2016. (See cardholder agreement for complete details.)
        Open a secured savings account with AmeriCU for $500+ to get a Secured VISA�. The
        credit limit on your Secured VISA� = the balance in your Secured Savings Account (in
        increments of $100 up to $5,000).
        VISA� (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4377)Traditional and
        Signature Rewards Agreement (variable)
        (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4377)
        VISA� Agreement (non-variable)
        (http://www.fuzeqna.com/americu/consumer/kbdetail.asp?kbid=3464)
        MasterCard� Agreement (http://www.fuzeqna.com/americu/consumer/kbdetail.asp?
        kbid=3463)
        Please note that Credit Cards are not eligible for MemberPlus
        (https://www.americu.org/spendandsave/member-plus/) Relationship Pricing.
        Share Certificates
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Share Certificates
        Please note: rates below are current as of�April�1, 2016 and are subject to change without notice.
        Disclosures (https://www.fuzeqna.com/americu/ext/kbsearch.aspx?catid=242)
        DEDICATED SAVER SHARE             Minimum       Annual        Dividend 
        CERTIFICATE                       Balance to    Percentage    Rate
                                          Open          Yield
        3-12 MONTH CERTIFICATE
        Core                              $ 50          0.500%        0.499%
        Flex/Connect                      $ 50          0.550%        0.549%
        Connect Plus                      $ 50          0.601%        0.599%
        Partner                           $ 50          0.651%        0.649%
        SHARE CERTIFICATES      Minimum           Annual            Dividend 
                                Balance to Open   Percentage Yield  Rate
        32 � 89 DAY SHARE CERTIFICATE
        Core                    $ 1,000           0.150%            0.150%
        Flex/Connect            $ 1,000           0.200%            0.200%
        Connect Plus            $ 1,000           0.250%            0.250%
        Partner                 $ 1,000           0.300%            0.300%
        3 � 5 MONTH�SHARE CERTIFICATE
        Core                    $ 1,000           0.350%            0.349%
        Flex/Connect            $ 1,000           0.400%            0.399%
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Connect Plus            $ 1,000           0.450%            0.449%
        Partner                 $ 1,000           0.501%            0.499%
        6 � 11 MONTH SHARE CERTIFICATE
        Core                    $ 1,000           0.650%            0.648%
        Flex/Connect            $ 1,000           0.700%            0.698%
        Connect Plus            $ 1,000           0.751%            0.748%
        Partner                 $ 1,000           0.801%            0.798%
        12 � 23 MONTH SHARE CERTIFICATE
        Core                    $ 1,000           1.300%            1.292%
        Flex/Connect            $ 1,000           1.351%            1.342%
        Connect Plus            $ 1,000           1.401%            1.392%
        Partner                 $ 1,000           1.452%            1.442%
        24 � 35 MONTH SHARE CERTIFICATE
        Core                    $ 1,000           1.40%             1.390%
        Flex/Connect            $ 1,000           1.451%            1.440%
        Connect Plus            $ 1,000           1.501%            1.490%
        Partner                 $ 1,000           1.552%            1.540%
        36 � 47 MONTH SHARE CERTIFICATE
        Core                    $ 500             1.600%            1.587%
        Flex/Connect            $ 500             1.651%            1.637%
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Connect Plus            $ 500             1.702%            1.687%
        Partner                 $ 500             1.753%            1.737%
        48 � 59 MONTH SHARE CERTIFICATE
        Core                    $ 500             1.750%            1.735%
        Flex/Connect            $ 500             1.801%            1.785%
        Connect Plus            $ 500             1.852%            1.835%
        Partner                 $ 500             1.903%            1.885%
        60 � 72 MONTH CERTIFICATE
        Core                    $ 500             2.00%             1.980%
        Flex/Connect            $ 500             2.051%            2.030%
        Connect Plus            $ 500             2.102%            2.080%
        Partner                 $ 500             2.153%            2.130%
        JUMBO CERTIFICATE (3 MONTH TERM)
        Core                    $ 100,000         0.450%            0.449%
        Flex/Connect            $ 100,000         0.500%            0.499%
        Connect Plus            $ 100,000         0.550%            0.549%
        Partner                 $ 100,000         0.601%            0.599%
        JUMBO CERTIFICATE (6 MONTH TERM)
        Core                    $ 100,000         0.750%            0.747%
        Flex/Connect            $ 100,000         0.800%            0.797%
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        Connect Plus            $ 100,000         0.851%            0.847%
        Partner                 $ 100,000         0.901%            0.897%
        JUMBO CERTIFICATE (12 MONTH TERM)
        Core                    $ 100,000         1.400%            1.390%
        Flex/Connect            $ 100,000         1.451%            1.440%
        Connect Plus            $ 100,000         1.501%            1.490%
        Partner                 $ 100,000         1.552%            1.540%
        TRADITIONAL IRA CERTIFICATE        Minimum      Annual        Dividend 
        ACCOUNTS                           Balance to   Percentage    Rate
                                           Open         Yield
        3 � 5 MONTH TERMS
        Core                               $1,000       0.350%        0.349%
        Flex/Connect                       $1,000       0.400%        0.399%
        Connect Plus                       $1,000       0.450%        0.449%
        Partner                            $1,000       0.501%        0.499%
        6 � 11 MONTH TERMS
        Core                               $1,000       0.650%        0.648%
        Flex/Connect                       $1,000       0.700%        0.698%
        Connect Plus                       $1,000       0.751%        0.748%
        Partner                            $1,000       0.801%        0.798%
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        12 � 23 MONTH TERMS
        Core                               $1,000       1.300%        1.292%
        Flex/Connect                       $1,000       1.351%        1.342%
        Connect Plus                       $1,000       1.401%        1.392%
        Partner                            $1,000       1.452%        1.442%
        24 � 35 MONTH TERMS
        Core                               $1,000       1.400%        1.390%
        Flex/Connect                       $1,000       1.451%        1.440%
        Connect Plus                       $1,000       1.501%        1.490%
        Partner                            $1,000       1.552%        1.540%
        36 � 47 MONTH TERMS
        Core                               $500         1.600%        1.587%
        Flex/Connect                       $500         1.651%        1.637%
        Connect Plus                       $500         1.702%        1.687%
        Partner                            $500         1.753%        1.737%
        48 � 59 MONTH TERMS
        Core                               $500         1.750%        1.735%
        Flex/Connect                       $500         1.801%        1.785%
        Connect Plus                       $500         1.852%        1.835%
        Partner                            $500         1.903%        1.885%
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        60 � 72 MONTH TERMS
        Core                               $500         2.000%        1.980%
        Flex/Connect                       $500         2.051%        2.030%
        Connect Plus                       $500         2.102%        2.080%
        Partner                            $500         2.153%        2.130%
        Please Note: Rates below are current�as of�the date posted above and are subject to change
        without notice. Contact our�Member Service�Center at 800.388.2000 or 315.356.3000 to
        verify thereafter. A penalty may be imposed for early withdrawal of up to 3 months (90
        days) worth of dividend for Certi?cates with a term of 12 months or less and a loss of up to
        6 months (180 days) for Certi?cates with a term of more than 12 months. The minimum
        balance to earn APY is the same as the minimum opening deposit. Rate is based on your
        MemberPlus (https://www.americu.org/spendandsave/member-plus/) Relationship with
        AmeriCU.
        Home Equity
        Home Equity
        At AmeriCU, our goal is to help as many members as possible obtain the credit they
        deserve! The rates shown here are our very best, available to those with excellent credit.
        Loan rates are based on each applicant�s credit history and may vary from those shown
        below and are also subject to underwriting guidelines. Rates shown include relationship
        pricing discount of .25%. The rate you receive may vary based on your MemberPlus
        (https://www.americu.org/spendandsave/member-plus/) Relationship with us.
        Please note: rates below are current as of�April�1, 2016 and are subject to change without
        notice. All rates shown as Annual Percentage Rate (APR).
        HOME EQUITY INSTALLMENT LOAN
        TERM     APR         AMOUNT                              SECURITY
        60       a low as    Up to 80% of appraised value, ?rst mortgage First Mortgage
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        60       a low as    Up to 80% of appraised value, ?rst mortgage First Mortgage
        months   2.50%       only.
        60       as low as   Up to 80% of appraised value, less ?rst Second
        months   3.25%       mortgage.                           Mortgage
        120      as low as   Up to 80% of appraised value, ?rst mortgage First Mortgage
        months   2.75%       only.
        120      as low as   Up to 80% of appraised value, less ?rst Second
        months   3.75%       mortgage.                           Mortgage
        180      as low as   Up to 80% of appraised value, ?rst mortgage First Mortgage
        months   3.25%       only.
        180      as low as   Up to 80% of appraised value, less ?rst Second
        months   4.25%       mortgage.                           Mortgage
        240      as low as   Up to 80% of appraised value, ?rst mortgage First Mortgage
        months   3.75%       only.
        360      as low as   Up to 80% of appraised value, ?rst mortgage First Mortgage
        months   4.75%       only.
        FREEDOMQUEST HOME EQUITY LINE OF CREDIT **
        RATE CAP: 15.00%; RATE FLOOR: 2.75%
        TERM   APR   AMOUNT    PAYMENT                               SECURITY
        0      Prime Up to 80% Interest only payment (plus insurance if Lien on
        Months � 1%  of        applicable) on the amount used or $25.00, Property
        � 10th       appraised whichever is greater.
        Year         value, less
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
                     ?rst
                     mortgage
        11th � Prime Up to 80% Draw period can be renewed at our option OR Lien on
        25th   � 1%            this balance will be amortized over 15 years. Property
        Year                   The payment will be the principal and interest
                               payment due (plus insurance if applicable).
                               Minimum payment $100.00
        �
        HOME EQUITY LINE OF CREDIT **
        RATE CAP: 15.00%; RATE FLOOR: 2.75%
        TERM     APR          AMOUNT    PAYMENT                      SECURITY
        1st 6    1.99% APR    Up to 80% Interest only. Member makes  Lien on
        Months   (otherwise   of        payment on the interest due (plus Property
        (from    4.50% APR).  appraised insurance, if applicable) on the
        date of  No relationship value, less amount they have used.
        closing) discount     ?rst
                 pricing.     mortgage
        7th      Prime + 0%   Up to 80%  Interest only. Member makes Lien on
        Months � Prime + 1%   81-90%    payment on the interest due (plus Property
        10th Year Prime + 2%  91-100%   insurance, If applicable) on the
        0 Months (adjust                amount used.
        � 10th   monthly)
        Year
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
        11th     Prime + 0%   Up to 80%  The balance will be amortized over Lien on
        -25th    Prime + 1%   81-90%    15 years. The payment will be the Property
        years    Prime + 2%   91-100%   principal and interest payment due
                 (adjust                (plus insurance, if applicable).
                 monthly)               Minimum payment $100.
        Payment Example: 
        1st 6 months if LTV is 80% or less (from day of closing): Interest Only Payment (plus
        insurance if applicable) on the amount used or $25.00, whichever is greater.
        7th mo. to 10th year OR�0 Month to 10th year if LTV is 81% or greater: Interest Only
        Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater.
        11th to 25th year: Draw period can be renewed at our option OR this balance will be
        amortized over 15 years. The payment will be the principal and interest payment due (plus
        insurance if applicable). Minimum payment $100.00
        *Prime rate as of 01/01/16 is 3.50% Annual Percentage Rate (APR). Minimum APR is
        2.75%. Minimum line of credit is $15,000. Minimum draw at closing is $15,000. Rates can
        increase or decrease, but not to exceed 15.00% APR. Applications are subject to credit
        approval. Rates and terms are determined by overall credit history, loan-to-value and term
        of loan, and are subject to change. If loan is closed within 3 years, member reimburses
        closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements.
        Fees can range from $35 to $3,500.
        ** Product not eligible for MemberPlus (https://www.americu.org/spendandsave/member-plus/)
        relationship pricing.
        Mortgages
        Mortgages
        Please note: rates below are current as of�April 7, 2016 and are subject to change without notice.
                              Annual Percentage Rate      Monthly payment per
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
                              Rate                        $1000*
        30 Year Fixed Rate    as low as 3.774% as low as  $4.56
        Conventional                          3.625%
        15 Year Fixed Rate    as low as 3.164%�as low as  $6.91
        Conventional                          3.000%
        7/1 Adjustable Rate   as low as 3.088% as low as  $4.15 (30-yr term
        (ARM)                                 2.875%      assumed)
        30 Year FHA/VA Fixed  as low as 4.147% as low as  $4.56
        Rate                                  3.625%
        Annual Percentage Rate (APR) based on $100,000 loan amount and no prepaid interest.
        Mortgage insurance may be required, which could increase your APR.
        *Payments do not include amounts for taxes and insurance premiums, the actual payment
        obligation will be greater. (Biweekly payments also available; however, rates and terms may
        differ from those listed above.) Rates, terms and conditions are subject to change without
        notice. Consult your Mortgage Of?cer. The interest rate for your mortgage is set at the
        time you apply. You must carry property insurance. All loans subject to credit approval. For
        adjustable rate mortgage (ARM) loans, the APR may increase after consummation, and with
        each rate change, the payment will also change. For ?xed rate loans, the APR will not
        increase for the term of the loan. Other mortgage options are available. Call
        1.800.388.2000 for details.
        LOAN RATES
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    5/18/2016                       Current�Rates���AmeriCU�Credit�Union
     Terms and Conditions (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4270)
     Promotional Offer Details (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4274)
     Disclosures (https://www.fuzeqna.com/americu/ext/kbsearch.aspx?catid=242)
     Career Center (https://americujobs.com/default.aspx)
     Dealer Resources (https://www.americu.org/dealer-resources/)
     Sitemap (https://www.americu.org/sitemap/)
            (http://portal.hud.gov/hudportal/HUD/program_of?ces/fair_housing_equal_opp/FHLaws)
                  (https://www.ncua.gov/Pages/default.aspx)
                    (https://www.cyveillance.com/siteseal/)
     Copyright � AmeriCU Credit Union. All Rights Reserved.  
     Equal Housing Lender - Federally insured by NCUA - Membership restrictions apply
    https://www.americu.org/current�rates/                                     28/28