8/9/2016                 Share�Rates,�Certificate�Rates,�Loan�Rates�|�Consumers�Credit�Union
     Rates
     Rates�effective�August�1,�2016
     The�rates�appearing�in�this�Schedule�are�accurate�as�of�the�Effective�Date�indicated�on�this�Truth�in�Savings�Disclosure.�If�you�have�any
     questions�or�require�current�rate�and�fee�information�on�your�accounts,�please�call�the�Credit�Union.
     APY�=�Annual�Percentage�Yield.�Fees�may�reduce�earnings.
     Share�Rates
     Click�here�for�Rates,�Fees,�and�Terms
     Free�Rewards�Checking
     Level Tier(s) Low�BalanceHigh�Balance APY
     1  A    $��     $20,000.00 4.59%
     1  B    $��     $15,000.00 3.59%
     1  C    $��     $10,000.00 3.09%
             $10,000.01
     2  C,�B�&�A $15,000.01 $25,000.00 0.20%
             $20,000.01
     3  C,�B�&�A$25,000.01 $�� 0.10%
     Rewards�Checking.�The�Rewards�Checking�account�is�a�Tiered�Rate�account�(see�chart�below).�If�your�Daily�Balance�is�$20,000.00�or
     below�AND�you�meet�all�of�the�basic�service�requirements�during�the�calendar�month,�the�applicable�Tier�1�Dividend�Rate�and�Annual
     Percentage�Yield�listed�for�this�account�in�the�Rate�Schedule�will�apply,�for�levels�A�and�B?�if�your�Daily�Balance�is�$10,000.00�and
     below�AND�you�meet�all�of�the�basic�service�requirements�during�the�calender�month,�the�applicable�Tier�1�Dividend�Rate�and�Annual
     Percentage�Yield�listed�for�this�account�in�the�Rates�Schedule�will�apply�for�Level�C.�The�basic�service�requirements�include:�a)�you
     make�twelve�(12)�PINless�card�transactions�(any�transaction�that�does�not�require�a�PIN)�that�post�to�and�clear�your�Reward�Checking
     account?�b)�you�access�Online�Banking�at�least�once?�c)�you�receive�e�Documents�(must�have�enrolled�and�accepted�the�disclosure?�and
     d)�you�have�a�direct�deposit�or�ACH�debit�(including�Bill�Payment)�post�to�and�clear�your�Reward�Checking�account.�You�will�earn�the
     Tier�1�A�Dividend�Rate�and�Annual�Percentage�Rate�on�balances�of�$20,000.00�or�less�if�you�meet�the�basic�service�requirements�and
     have�$1,000�in�credit�card�purchase�transactions�during�the�period�beginning�on�the�28th�day�of�the�prior�calendar�month�and�ending�on
     the�27th�day�of�the�current�calendar�month.�You�will�earn�the�Tier�1�B�Dividend�Rate�and�Annual�Percentage�Rate�on�balances�of
     $20,000.00�or�less�if�you�meet�the�basic�service�requirements�and�have�12�credit�card�purchase�transactions�during�the�period�beginning
     on�the�28th�day�of�the�prior�calendar�month�and�ending�on�the�27th�day�of�the�current�calendar�month.�You�will�earn�the�Tier�1�C
     Dividend�Rate�and�Annual�Percentage�Rate�on�balances�of�$10,000.00�or�less�if�you�meet�the�basic�service�requirements�but�do�not�meet
     either�of�the�credit�card�transaction�criteria�required�to�earn�a�higher�rate.�The�Tier�2�Dividend�Rate�and�range�of�Annual�Percentage
     Yields�listed�for�level�C,�this�account�will�apply�to�balances�of�$10,000.01�to�$24,999.99�if�you�meet�all�of�the�basic�service
     requirements.�The�Tier�3�Dividend�Rate�and�range�of�Annual�Percentage�Yields�listed�for�this�account�will�apply�to�balances�of
     $25,000.00�or�greater�if�you�meet�all�of�the�basic�service�requirements.�The�rates�applicable�to�Tiers�1,�2�and�3�will�apply�only�to�that
     portion�of�the�account�balance�within�each�balance�range.�When�you�meet�all�of�the�basic�service�requirements�for�the�calendar�month,
     ATM�fees�incurred�during�the�month�will�be�refunded�to�you.
     If�you�fail�to�meet�any�of�the�basic�service�requirements�during�a�calendar�month,�you�will�earn�0.01%�Annual�Percentage�Yield�for�this
     account�and�your�ATM�fees�will�NOT�be�refunded.
     One�Rewards�Checking�account�is�allowed�per�Member.�Business�accounts�are�not�eligible�for�rewards.�Qualifying�credit�card
     transactions�must�be�made�using�a�Consumers�Credit�Union�issued�card.�Credit�Card�cash�advances�and�balance�transfers�do�not�count
     towards�credit�card�purchases.
            1
     Tier(s) A
     Low�Balance $��
    https://www.myconsumers.org/home/rates.html                                 1/5
    8/9/2016                 Share�Rates,�Certificate�Rates,�Loan�Rates�|�Consumers�Credit�Union
     High�Balance $20,000.00
     APY     4.59%
            1
     Tier(s) B
     Low�Balance $��
     High�Balance $15,000.00
     APY     3.59%
            1
     Tier(s) C
     Low�Balance $��
     High�Balance $10,000.00
     APY     3.09%
            2
     Tier(s) C,�B�&�A
             $10,000.01
     Low�Balance $15,000.01
             $20,000.01
     High�Balance $25,000.00
     APY     0.20%
            3
     Tier(s) C,�B�&�A
     Low�Balance $25,000.01
     High�Balance $��
     APY     0.10%
     Savings
          Account   Minimum�Opening�Deposit Rate APY
     Membership�Share�Savings$5     0.05%0.05%
     Special�Share�Savings $5       0.05%0.05%
     Safe�Advantage�Savings $5
     Christmas�Club�Savings $5      0.25%0.25%
     IRA�Savings    $10             0.25%0.25%
      Membership�Share�Savings
     Minimum�Opening�Deposit $5
     Rate            0.05%
     APY             0.05%
        Special�Share�Savings
     Minimum�Opening�Deposit $5
     Rate            0.05%
     APY             0.05%
       Safe�Advantage�Savings
     Minimum�Opening�Deposit $5
     Rate
     APY
       Christmas�Club�Savings
     Minimum�Opening�Deposit $5
     Rate            0.25%
     APY             0.25%
           IRA�Savings
     Minimum�Opening�Deposit $10
     Rate            0.25%
     APY             0.25%
     Money�Market�Accounts
     Money�Market
    https://www.myconsumers.org/home/rates.html                                 2/5
    8/9/2016                 Share�Rates,�Certificate�Rates,�Loan�Rates�|�Consumers�Credit�Union
     Minimum�Balance�to�Earn�APY Rate APY
     $0                 0.00%0.00%
     $2,000             0.10%0.10%
     $20,000            0.15%0.15%
     $40,000            0.20%0.20%
     $70,000            0.25%0.25%
     $100,000           0.30%0.30%
                                                       Remote�Assistance
     IRA�Money�Market
     Minimum�Balance�to�Earn�APY Rate APY
     $0                 0.00%0.00%
                                                    We're�Here�to�help�you!
     $2,000             0.10%0.10%
     $20,000            0.15%0.15%
     $40,000            0.20%0.20%                  Co�Browsing�lets�us�view�your�screen�and
     $70,000            0.25%0.25%                  move�the�pointer�to�show�you�where�to
                                                    click.�It's�a�quick�and�easy�way�for�us�to
     $100,000           0.30%0.30%
                                                    help�you�find�what�you�are�looking�for.
     Certificates
     Click�here�for�Rates�and�Terms
     Certificate�Accounts�/�IRA�Certificate�Accounts
      Term Minimum Rate APY                                 Start�Session�Now
     91�Day $250 0.05%0.05%
     180�Day $250 0.10%0.10%
     7�Months $250 0.10%0.10%
                                                            Terms & Conditions
     8�Months $250 0.10%0.10%
     9�Months $250 0.10%0.10%
     10�Months$250 0.10%0.10%
     11�Months$250 0.10%0.10%
     1�Year $250 0.15%0.15%
     15�Months$250 0.15%0.15%
     16�Months$250 0.15%0.15%
     18�Months$250 0.75%0.75%
     20�Months$250 0.20%0.20%
     22�Months$250 0.25%0.25%
     2�Years $250 0.30%0.30%
     30�Months$250 0.35%0.35%
     3�Years $250 0.45%0.45%
     45�Months$250 0.60%0.60%
     4�Years $250 1.39%1.40%
     59�Months$250 0.80%0.80%
     5�Years $250 1.59%1.60%
     Please�note,�early�withdrawal�penalty�may�be�applied.�We�may�impose�a�penalty�if�you�withdraw�from�your�account�before�the�maturity
     date.
     Jumbo�Certificate�Accounts�/�Jumbo�IRA�Certificate�Accounts
      Term Minimum Rate APY
     75�Day $100,000 n/a n/a
     7�Months $100,000 0.35%0.35%
     8�Months $100,000 0.35%0.35%
     9�Months $100,000 0.35%0.35%
     10�Months$100,000 0.35%0.35%
     11�Months$100,000 0.35%0.35%
     1�Year $100,000 0.40%0.40%
     15�Months$100,000 0.40%0.40%
     16�Months$100,000 0.40%0.40%
     18�Months$100,000 1.00%1.00%
     20�Months$100,000 0.45%0.45%
     22�Months$100,000 0.50%0.50%
     2�Years $100,000 0.55%0.55%
     30�Months$100,000 0.60%0.60%
     3�Years $100,000 0.70%0.70%
    https://www.myconsumers.org/home/rates.html                                 3/5
    8/9/2016                 Share�Rates,�Certificate�Rates,�Loan�Rates�|�Consumers�Credit�Union
     45�Months$100,000 0.85%0.85%
     4�Years $100,000 1.64%1.65%
     59�Months$100,000 1.05%1.05%
     5�Years $100,000 1.84%1.85%
     Please�note,�early�withdrawal�penalty�may�be�applied.�We�may�impose�a�penalty�if�you�withdraw�from�your�account�before�the�maturity
     date.
                                                       Remote�Assistance
     Loans
     Click�here�for�Rates�and�Terms
                                                    We're�Here�to�help�you!
     Auto�Loans
                                                             APR�as Payment�Example�for�a
          Loan                  Terms�&�Conditions  Co�Browsing�lets�us�view�your�screen�and Term
                                                              low�as  $1,000�Loan
                                                    move�the�pointer�to�show�you�where�to
                                                        36
                                                    click.�It's�a�quick�and�easy�way�for�us�to 1.74%* $28.53�Monthly�Payment
                                                        months
                                                    help�you�find�what�you�are�looking�for.
                                                        48
                                                             1.74%* $21.58�Monthly�Payment
                                                        months
     New�and�Used�Cars, Purchase�or�Refinance�2010���2016,�The�year�of�the�vehicle�will 60
                                                             2.24%* $17.63�Monthly�Payment
     Trucks,�and�Vans determine�the�term�of�the�loan    months
                                                        72
                                                            Start�Session�Now 2.49%* $14.97�Monthly�Payment
                                                        months
                                                        84
                                                             4.19%* $13.76�Monthly�Payment
                                                        months
                                                            Terms & Conditions
     *Not�all�applicants�may�qualify�for�the�fixed�base�rate.�Your�rate�is�determined�by�your�credit�history.�Rates�listed�above�include
     applicable�discounts�of�0.75%�APR,�for�details�please�ask�a�CCU�Rep.�VISA,�variable,�overdraft�protection,�real�estate,�share�secure�and
     existing�CCU�loans�are�excluded�from�any�rate�deductions.
     Other�Motor�Vehicle�Loans
                                                                            APR�as
               Loan                       Terms�&�Conditions          Term
                                                                             low�as
                            Purchase�or�Refinance�2010�or�newer,�The�year�of�the�motorcycle�will 60�months
     New�and�Used�Motorcycles                                              5.49%
                            determine�the�term�of�the�loan          or�less
                                                                    60�months 4.15%
     New/Used�Motor�homes,�Campers,
                            Purchase�or�Refinance�2010�or�newer     120�months 7.74%
     Travel�Trailers�&�Boats
                                                                    180�months 8.24%
     *Not�all�applicants�may�qualify�for�the�fixed�base�rate.�Your�rate�is�determined�by�your�credit�history.�Rates�listed�above�include
     applicable�discounts�of�0.75%�APR,�for�details�please�ask�a�CCU�Rep.�VISA,�variable,�overdraft�protection,�real�estate,�share�secure�and
     existing�CCU�loans�are�excluded�from�any�rate�deductions.
     Secured�/�Collateralized�Loans
      Term APR�as�low�as
     36�months7.24%
     48�months7.74%
     60�months8.24%
     72�months8.74%
     84�months9.24%
     *Not�all�applicants�may�qualify�for�the�fixed�base�rate.�Your�rate�is�determined�by�your�credit�history.�Rates�listed�above�include
     applicable�discounts�of�0.75%�APR,�for�details�please�ask�a�CCU�Rep.�VISA,�variable,�overdraft�protection,�real�estate,�share�secure�and
     existing�CCU�loans�are�excluded�from�any�rate�deductions.
     Other�Personal�Loans
            Type            Terms�&�Conditions    Term   APR�as�low�as
     Signature�(Unsecured)                               11.24%
     Share�Secured   2%�over�pledged�Share/Savings�instrument Variable
                                              Up�to�36�months 6.25%
     Commercial�Secured�Vehicles
                                              37�months�or�greater6.75%
     *Not�all�applicants�may�qualify�for�the�fixed�base�rate.�Your�rate�is�determined�by�your�credit�history.�Rates�listed�above�include
     applicable�discounts�of�0.75%�APR,�for�details�please�ask�a�CCU�Rep.�VISA,�variable,�overdraft�protection,�real�estate,�share�secure�and
     existing�CCU�loans�are�excluded�from�any�rate�deductions.
     First�Mortgages
    https://www.myconsumers.org/home/rates.html                                 4/5
    8/9/2016                 Share�Rates,�Certificate�Rates,�Loan�Rates�|�Consumers�Credit�Union
              Term               APR
     Fixed�Rate���Multiple�term�options Call�or�Click�here�for�rates
     Adjustable�Rate�(ARM)���3,�5,�&�7�yearsCall�or�Click�here�for�rates
     Home�Equity�Loan
     Loan�to�Value�(LTV)5�Year�Term�(APR)10�Year�Term�(APR)15�Year�Term�(APR)20�Year�Term�(APR)
     80%�LTV     4.99%      5.49%        6.49%       6.99%
     90%�LTV     8.99%      9.74%        10.74%      10.99%
                                                       Remote�Assistance
     100%�LTV    9.99%      10.74%       11.74%      n/a
     *Not�all�applicants�may�qualify�for�the�fixed�base�rate.�Your�rate�is�determined�by�your�credit�history.�Rates�listed�above�include
     applicable�discounts�of�0.75%�APR,�for�details�please�ask�a�CCU�Rep.�VISA,�variable,�overdraft�protection,�real�estate,�share�secure�and
                                                    We're�Here�to�help�you!
     existing�CCU�loans�are�excluded�from�any�rate�deductions.
     Home�Equity�Line�of�Credit�(HELOC)             Co�Browsing�lets�us�view�your�screen�and
                         80%�LTV** 90%�LTV** 100%�LTV move�the�pointer�to�show�you�where�to
     For�Credit�Lines�$5,000�and�GreaterPrime Prime�+�2.25%Prime�+�3.75% click.�It's�a�quick�and�easy�way�for�us�to
                                                    help�you�find�what�you�are�looking�for.
     Visa�Cards
           Type             Term       APR�as�low�as*
     VISA��Platinum Variable�Rate�with�No�Annual�Fee9.95%
     VISA��Platinum�RewardsVariable�Rate�with�No�Annual�Fee11.95%
     VISA��Signature Variable�Rate�with�No�Annual�Fee12.24%
     VISA��Share�Secured Variable�Rate�with�No�Annual�Fee17.95% Start�Session�Now
     All�loan�requests�are�subject�to�Loan�Review�Committee�and�Guidelines.�This�rate�schedule�sets�forth�certain�conditions�and�rates
     applicable�to�your�accounts�at�the�Credit�Union�at�this�time.�The�Credit�Union�may�offer�other�rates�or�amend�rates�contained�in�this
     schedule�from�time�to�time.�All�rates�and�terms�are�subject�to�change�without�notice.�Rates�shown�are�the�lowest�rates�offered�for�the Terms & Conditions
     products�advertised.�Applicants�who�are�not�approved�at�these�rates�or�terms�may�be�offered�credit�at�a�higher�rate�and/or�different�terms.
     For�all�variable�rate�loans,�the�APR�may�change�after�consummation.�Additional�fees�may�apply�to�some�loans.�Contact�the�CU�for�full
     loan�disclosure�information�specific�to�your�loan.�HELOC's�have�a�floor�rate�of�4.00%
     *�Not�all�applicants�will�qualify�for�our�fixed�base�rate.�Your�rate�is�determined�by�your�credit�history.�Rates�listed�include�all�discounts
     of�0.75%�APR,�for�an�additional�0.25%�APR�reduction�apply�online�today.�VISA,�variable,�overdraft�protection,�real�estate,�share
     secured�and�existing�CCU�loans�are�excluded�from�any�rate�reductions.
     **�Interest�Only�Payments�Allowed
     Consumers�Credit�Union
     ��2016,�All�rights�reserved.�This�credit�union�is�federally�insured�by�NCUA.
    https://www.myconsumers.org/home/rates.html                                 5/5