Rates

Free Checking

Meet MaxRewards criteria?	Minimum Balance to Earn APY	Dividend Rate	APY*
*APY=Annual Percentage Yield. To earn 4.00% APY, must meet just 4 simple criteria as follows: 1) Requires minimum of one direct deposit per month that must post and clear your account during the monthly cycle. 2) Requires 10 monthly debit card purchases, minimum of $5 per purchase, that must post and clear your account during the monthly cycle. 3) Must sign-up for eStatements. 4) Keep a minimum monthly balance of $1,000 in checking account only, not all deposit accounts combined. That’s it! You’ll earn 4.00% APY in every month of the year during which these 4 activities occur. For example, if you meet all 4 criteria in February and March, but not in April, you will earn 4.00% in February and March but not in April. 4.00% rate will be paid on deposits in checking account up to $25,000. Balance amounts over $25,000 will earn 0.05%. Rates are effective as of December 1, 2022 and are subject to change at any time without notice. Credit union membership required. Personal accounts only, no business accounts. One MaxRewards Checking Account per account/unique SSN. MaxRewards Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Any questions? Stop in to your nearest branch or call us at 800.726.5644.
Meet MaxRewards criteria? Yes	Minimum Balance to Earn APY $1,000	Dividend Rate 3.93%	APY* 4.00%
Meet MaxRewards criteria? No	Minimum Balance to Earn APY $1,000	Dividend Rate 0.05%	APY* 0.05%

Savings and Holiday Savings Accounts

Savings Type	Minimum Opening Balance	Minimum Balance to Earn APY	Dividend Rate	APY¹
¹Annual Percentage Yield. Rates may change without notice. Rates above are effective as of December 5, 2022. Fees could reduce the earnings on the account. Holiday Club accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. Membership required.
Savings Type Savings	Minimum Opening Balance $10	Minimum Balance to Earn APY $100	Dividend Rate 0.05%	APY¹ 0.05%
Savings Type Holiday Savings up to $1,000	Minimum Opening Balance $25	Minimum Balance to Earn APY $100	Dividend Rate 3.93%	APY¹ 4.00%
Savings Type Holiday Savings over $1,000	Minimum Opening Balance $25	Minimum Balance to Earn APY $100	Dividend Rate 0.05%	APY¹ 0.05% - 4.00%

Money Market and IRA Money Market Accounts

Balance	Dividend Rate	APY¹
¹Annual Percentage Yield. Rates may change without notice. Rates above are effective as of July 17, 2023. Money Market accounts are Tiered Rate accounts. For these accounts, if the balance falls within the range for a particular tier, the dividend rate applicable to that tier will apply to the full balance in the account. Special promotional rates may not be combined with other offers. Fees could reduce the earnings on the account. Membership required.
Balance $0 - $2,499	Dividend Rate 0.05%	APY¹ 0.05%
Balance $2,500 - $9,999	Dividend Rate 0.20%	APY¹ 0.20%
Balance $10,000 - $24,999	Dividend Rate 0.25%	APY¹ 0.25%
Balance $25,000 - $49,999	Dividend Rate 0.30%	APY¹ 0.30%
Balance $50,000 - $99,999	Dividend Rate 0.34%	APY¹ 0.35%
Balance $100,000 - $149,999	Dividend Rate 0.99%	APY¹ 1.00%
Balance $150,000	Dividend Rate 2.72%	APY¹ 2.75%

Certificates and IRA Share Certificates

Term	Minimum Opening Balance	Minimum Balance to Earn APY	Dividend Rates	APY¹
¹Annual Percentage Yield. Rates may change without notice. Rates above are effective as of June 12, 2023. Special promotional rates may not be combined with other offers. A penalty may be imposed for withdrawals before maturity. If your certificate has an original maturity of 12 months or less, the penalty will equal 90 days’ worth of dividends on the amount withdrawn, whether earned or not. If your certificate has an original maturity greater than 12 months, the penalty will equal 180 days’ worth of dividends, whether earned or not. Fees could reduce the earnings on the account. $500 minimum deposit. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Pay monthly. Membership required.
Term 6 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 1.98%	APY¹ 2.00%
Term 12 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 2.18%	APY¹ 2.20%
Term 18 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 2.47%	APY¹ 2.50%
Term 24 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 2.67%	APY¹ 2.70%
Term 30 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 2.86%	APY¹ 2.90%
Term 36 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.06%	APY¹ 3.10%
Term 48 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.25%	APY¹ 3.30%
Term 60 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.45%	APY¹ 3.50%

Youth Accounts

Youth Account Type	Minimum Opening Balance	Minimum Balance to Earn APY	Dividend Rate	APY¹
¹Annual Percentage Yield Rates may change without notice. Rates above are effective as of December 5, 2022. For a Kirby Kangaroo Savings Account, when the account owner reaches 13 years of age, the funds, account features and benefits will be transferred into a Claim Your Youth Savings Account. For a Claim Your Youth Savings Account, when the account owner reaches 18 years of age, the funds in the account will be transferred into a regular Savings Account. Fees could reduce the earnings on the account. Membership required.
Youth Account Type Kirby Kangaroo Club Kids Savings Program	Minimum Opening Balance $10	Minimum Balance to Earn APY $100	Dividend Rate 0.05%	APY¹ 0.05%
Youth Account Type Claim Your Youth Savings Account	Minimum Opening Balance $10	Minimum Balance to Earn APY $100	Dividend Rate 0.05%	APY¹ 0.05%

Youth Account Type

Minimum Opening Balance

Minimum Balance to Earn APY

Dividend Rate

APY¹

¹Annual Percentage Yield

Rates may change without notice. Rates above are effective as of December 5, 2022. For a Kirby Kangaroo Savings Account, when the account owner reaches 13 years of age, the funds, account features and benefits will be transferred into a Claim Your Youth Savings Account. For a Claim Your Youth Savings Account, when the account owner reaches 18 years of age, the funds in the account will be transferred into a regular Savings Account. Fees could reduce the earnings on the account. Membership required.

Youth Account Type

Kirby Kangaroo Club Kids Savings Program

Minimum Opening Balance

$10

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY¹

0.05%

Youth Account Type

Claim Your Youth Savings Account

Minimum Opening Balance

$10

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY¹

0.05%

Health Savings Accounts (HSAs)

Minimum Opening Balance	Minimum Balance to Earn APY	Dividend Rate	APY¹
¹Annual Percentage Yield. Rates may change without notice. Rates above are effective as of December 5, 2022. Penalty may be imposed for early withdrawal. Special promotional rates may not be combined with other offers. Fees could reduce the earnings on the account. Membership required.
Minimum Opening Balance $0	Minimum Balance to Earn APY $100	Dividend Rate 0.05%	APY¹ 0.05%

Minimum Opening Balance

Minimum Balance to Earn APY

Dividend Rate

APY¹

¹Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of December 5, 2022. Penalty may be imposed for early withdrawal. Special promotional rates may not be combined with other offers. Fees could reduce the earnings on the account. Membership required.

Minimum Opening Balance

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY¹

0.05%

What Rate Can You Get From Meridian Trust?

You can get a great low rate for your next mortgage from Meridian Trust! Whether you’re buying a new home, or want to refinance your current mortgage, contact Meridian Trust at 800.726.5644.

Home Equity Loans

Draw Period	Repayment Period	APR* as low as	Adjust/Reprice	Max LTV
*APR = Annual Percentage Rate. 5.99% APR introductory rate for the first six months. No origination fee. No annual fee. At the end of the introductory period, the rate, terms, and conditions as stated in member’s Home Equity Agreement will apply. Payment in draw period is interest only. The APR will be variable following the introductory period, not to exceed 18.00%. Requires membership and credit approval. Rate subject to change and offer may end at any time without notice. Questions? Call us at 800.726.5644.
Draw Period 120 months	Repayment Period 240 months	APR* as low as 5.99%	Adjust/Reprice For 6 Months	Max LTV Lesser of 90% CLTV or $399,999

Express Mortgages

Term	Rate as Low as	Max LTV
Refinance Only Rates may change without notice. Rates above are effective as of August 3, 2023. Age 18 or older, membership and credit qualification required. Maximum loan amount $400,000. The payment is principal and interest and does not include taxes and insurance. For refinances of existing mortgages only. Owner occupied homes only.
Term 12 Years or Less	Rate as Low as 6.25%	Max LTV 80%

Second Mortgage Loans

Term	APR* as Low as
*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of August 3, 2023. Age 18 or older, membership and credit qualification required. Other requirements may apply.
Term Up to 240 months	APR* as Low as 7.00%

Term

APR* as Low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of August 3, 2023. Age 18 or older, membership and credit qualification required. Other requirements may apply.

Term

Up to 240 months

APR* as Low as

7.00%

Unsecured Solar Panel Loans

Unsecured Solar Panel Loan Type	Term	APR* as Low as	Estimated Payment
*APR = Annual Percentage Rate. Rates may change without notice. Rates above are effective as of June 1, 2023. Age 18 or older, membership and credit qualification required. Must have a credit score of 650 or higher. 90% Loan to Cost Limit with a maximum loan amount of $30,000. Estimated Payment based on loan amount of $30,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer.
Unsecured Solar Panel Loan Type 6 Year Fixed Rate	Term 72 Months	APR* as Low as 7.50%	Estimated Payment $356.11
Unsecured Solar Panel Loan Type 8 Year Fixed Rate	Term 96 Months	APR* as Low as 8.00%	Estimated Payment $324.74
Unsecured Solar Panel Loan Type 10 Year Fixed Rate	Term 120 Months	APR* as Low as 8.50%	Estimated Payment $295.42

No Lien Home Improvement Loans

Term	APR* as low as
*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of January 17, 2023. Age 18 or older, membership and credit qualification required. Other requirements may apply.
Term 60 months	APR* as low as 9.00%

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of January 17, 2023. Age 18 or older, membership and credit qualification required. Other requirements may apply.

Term

60 months

APR* as low as

9.00%

Land Loans

Term	APR* as low as
Annual Percentage Rate. *Eligible for amounts greater than $100,000. Rates may change without notice. Rates above are effective as of June 1, 2023. Age 18 or older, membership and credit qualification required. $500 inclusive of all fees except Title, Appraisal/BPO.
Term 60 Months	APR* as low as 6.90%
Term 120 Months	APR* as low as 6.90%
Term 180 Months	APR* as low as 6.90%
Term 240 Months**	APR* as low as 6.90%

Construction Loans

Term	APR* as low as
*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of October 7, 2022. Age 18 or older, membership and credit qualification required. 80% of Loan to Value or 80% of cost whichever is less. Fees: 1.5% loan fee plus all costs (1% for the construction loan and 0.50% for the permanent loan).
Term 9 months or less	APR* as low as 6.95%

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of October 7, 2022. Age 18 or older, membership and credit qualification required. 80% of Loan to Value or 80% of cost whichever is less. Fees: 1.5% loan fee plus all costs (1% for the construction loan and 0.50% for the permanent loan).

Term

9 months or less

APR* as low as

6.95%

New and Used Auto Loans - Cars and Trucks

Vehicle Loan Type	APR*
*APR = Annual Percentage Rate. Rates may change without notice. Rates above are effective as of September 25th, 2023 and are dependent on creditworthiness, age of vehicle, and term. Age 18 or older, membership and credit qualification required. Maximum terms for each loan type are set in the loan policy. Rates shown here are good for all new loans including refinancing of existing loans elsewhere to our lower rates. Vehicles 2015 and older will qualify for the unsecured rate.
Vehicle Loan Type New Vehicles 2022-2024	APR* 4.70%
Vehicle Loan Type Used Vehicles 2016-2021	APR* 5.70%

Vehicle Loan Type

APR*

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of September 25th, 2023 and are dependent on creditworthiness, age of vehicle, and term. Age 18 or older, membership and credit qualification required. Maximum terms for each loan type are set in the loan policy. Rates shown here are good for all new loans including refinancing of existing loans elsewhere to our lower rates. Vehicles 2015 and older will qualify for the unsecured rate.

Vehicle Loan Type

New Vehicles 2022-2024

APR*

4.70%

Vehicle Loan Type

Used Vehicles 2016-2021

APR*

5.70%

Recreational Vehicle Loans - Campers, Boats, Motorcycles and RVs

Vehicle Loan Type	APR* as low as
*APR=Annual Percentage Rate. Stated APR assumes 80% loan-to-value. Age 18 or over. Subject to credit approval. Standard underwriting guidelines and credit policies apply. Minimum monthly loan payment of $150. Rates effective as of June 1, 2023 and subject to change at any time without notice. Loan terms from 72 to 180 months; based on vehicle type, age, and loan amount.
Vehicle Loan Type New Recreational Vehicles 2022-2024	APR* as low as 6.09%
Vehicle Loan Type Used Recreational Vehicles 2016-2021	APR* as low as 6.19%

Visa^® Credit Cards

Credit Card	APR*
*Annual Percentage Rate. This APR will vary with the market based on the Prime Rate. Rates above are effective as of July 1, 2023. Age 18 or older, membership and credit qualification required.
Credit Card Visa^® Rewards	APR* 13.50%

Credit Card

APR*

*Annual Percentage Rate.

This APR will vary with the market based on the Prime Rate. Rates above are effective as of July 1, 2023. Age 18 or older, membership and credit qualification required.

Credit Card

Visa^® Rewards

APR*

13.50%

Visa^® Credit Card Fees

Fee Type	Fee Details
*Cash Advance Fee of 3.00% of transaction amount is effective on February 8, 2022.
Fee Type Annual Fee	Fee Details None
Fee Type Foreign Transaction Fee	Fee Details 1.00% of each transaction in U.S. Dollars
Fee Type Cash Advance Fee*	Fee Details 3.00% of transaction amount
Fee Type Late payment penalty fee	Fee Details $25 if you are more than 10 days late
Fee Type Returned payment penalty fee	Fee Details $25

Unsecured Personal Loans

Term	APR* as low as
*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of April 13, 2023. Age 18 or older, membership and credit qualification required. You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application.
Term Up to 60 months	APR* as low as 10.90%

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of April 13, 2023. Age 18 or older, membership and credit qualification required. You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application.

Term

Up to 60 months

APR* as low as

10.90%

Unsecured Solar Panel Loans

Unsecured Solar Panel Loan Type	Term	APR* as Low as	Estimated Payment
*APR = Annual Percentage Rate. Rates may change without notice. Rates above are effective as of June 1, 2023. Age 18 or older, membership and credit qualification required. Must have a credit score of 650 or higher. 90% Loan to Cost Limit with a maximum loan amount of $30,000. Estimated Payment based on loan amount of $30,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer.
Unsecured Solar Panel Loan Type 6 Year Fixed Rate	Term 72 Months	APR* as Low as 7.50%	Estimated Payment $356.11
Unsecured Solar Panel Loan Type 8 Year Fixed Rate	Term 96 Months	APR* as Low as 8.00%	Estimated Payment $324.74
Unsecured Solar Panel Loan Type 10 Year Fixed Rate	Term 120 Months	APR* as Low as 8.50%	Estimated Payment $295.42

Home Equity Loans

Draw Period	Repayment Period	APR* as low as	Adjust/Reprice	Max LTV
*APR = Annual Percentage Rate. 5.99% APR introductory rate for the first six months. No origination fee. No annual fee. At the end of the introductory period, the rate, terms, and conditions as stated in member’s Home Equity Agreement will apply. Payment in draw period is interest only. The APR will be variable following the introductory period, not to exceed 18.00%. Requires membership and credit approval. Rate subject to change and offer may end at any time without notice. Questions? Call us at 800.726.5644.
Draw Period 120 months	Repayment Period 240 months	APR* as low as 5.99%	Adjust/Reprice For 6 Months	Max LTV Lesser of 90% CLTV or $399,999

Student Loans

Our innovative Student Choice private student lending solution is designed to help you responsibly fill funding gaps that may remain after you’ve exhausted lower-cost sources of aid. With our low rates and fewer fees, you could save hundreds of dollars a year by choosing Meridian Trust’s loan over other lenders.

Benefits

Available for undergraduate and graduate students
Competitive fixed and variable interest rates
Get funding from our line of credit even if you’re unsure of your college or exact funding needs
Potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during repayment
Multiple repayment & in-school deferment options
Borrow local from a not-for-profit credit union you can trust

Undergraduate Loans

Graduate Loans

Refinance Your Student Loans

Business Savings Accounts

Minimum Opening Balance	Minimum Balance to earn APY*	Dividend Rate	APY¹
¹Annual Percentage Yield. Rates may change without notice. Rates above are effective as of December 5, 2022. Fees could reduce the earnings on the account. Membership required.
Minimum Opening Balance $10	Minimum Balance to earn APY* $100	Dividend Rate 0.05%	APY¹ 0.05%

Minimum Opening Balance

Minimum Balance to earn APY*

Dividend Rate

APY¹

¹Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of December 5, 2022. Fees could reduce the earnings on the account. Membership required.

Minimum Opening Balance

$10

Minimum Balance to earn APY*

$100

Dividend Rate

0.05%

APY¹

0.05%

Business Certificates

Term	Minimum Opening Balance	Minimum Balance to Earn APY	APY¹
¹Annual Percentage Yield. Rates may change without notice. Rates above are effective as of January 17, 2023. Special promotional rates may not be combined with other offers. A penalty may be imposed for withdrawals before maturity. If your certificate has an original maturity of 12 months or less, the penalty will equal 90 days’ worth of dividends on the amount withdrawn, whether earned or not. If your certificate has an original maturity greater than 12 months, the penalty will equal 180 days’ worth of dividends, whether earned or not. Fees could reduce the earnings on the account. $500 minimum deposit. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Compounded quarterly. Membership required.
Term 6 months	Minimum Opening Balance $500	Minimum Balance to Earn APY 1.49%	APY¹ 1.50%
Term 12 months	Minimum Opening Balance $500	Minimum Balance to Earn APY 1.69%	APY¹ 1.70%
Term 18 months	Minimum Opening Balance $500	Minimum Balance to Earn APY 1.98%	APY¹ 2.00%
Term 24 months	Minimum Opening Balance $500	Minimum Balance to Earn APY 2.18%	APY¹ 2.20%
Term 30 months	Minimum Opening Balance $500	Minimum Balance to Earn APY 2.37%	APY¹ 2.40%
Term 36 months	Minimum Opening Balance $500	Minimum Balance to Earn APY 2.57%	APY¹ 2.60%
Term 48 months	Minimum Opening Balance $500	Minimum Balance to Earn APY 2.77%	APY¹ 2.80%
Term 60 months	Minimum Opening Balance $500	Minimum Balance to Earn APY 2.96%	APY¹ 3.00%

Business Lines of Credit

Business Line of Credit Type	Draw Period	Repayment Period	Rates As Low As	Adjust/Reprice	Max LTV
Direct Costs plus $35 for Filing Fees *Fees: 1.00% plus direct costs Rates may change without notice. Rates above are effective as of September 1, 2022. Age 18 or older, membership, and credit qualification required.
Business Line of Credit Type Chattel Secured*	Draw Period 12 Month	Repayment Period 30 Day Resting Provision	Rates As Low As WS Prime 1.00%	Adjust/Reprice Annually	Max LTV Based on Collateral
Business Line of Credit Type RE Secured**	Draw Period 60 Month	Repayment Period 60 Month	Rates As Low As WS Prime 1.00%	Adjust/Reprice Annually	Max LTV 80%, 75% Max. LTV Cash Out Refinance

Business Line of Credit Type

Draw Period

Repayment Period

Rates As Low As

Adjust/Reprice

Max LTV

*Direct Costs plus $35 for Filing Fees

**Fees: 1.00% plus direct costs

Rates may change without notice. Rates above are effective as of September 1, 2022. Age 18 or older, membership, and credit qualification required.

Business Line of Credit Type

Chattel Secured*

Draw Period

12 Month

Repayment Period

30 Day Resting Provision

Rates As Low As

WS Prime 1.00%

Adjust/Reprice

Annually

Max LTV

Based on Collateral

Business Line of Credit Type

RE Secured**

Draw Period

60 Month

Repayment Period

60 Month

Rates As Low As

WS Prime 1.00%

Adjust/Reprice

Annually

Max LTV

80%, 75% Max. LTV Cash Out Refinance

Business Vehicle Loans - New and Used Auto and Truck

Vehicle Loan Type	APR*
*APR = Annual Percentage Rate. Rates may change without notice. Rates above are effective as of September 25th, 2023 and are dependent on creditworthiness, age of vehicle, and term. Age 18 or older, membership and credit qualification required. Maximum terms for each loan type are set in the loan policy. Rates shown here are good for all new loans including refinancing of existing loans elsewhere to our lower rates. Vehicles 2015 and older will qualify for the unsecured rate.
Vehicle Loan Type New Vehicles 2022-2024	APR* 4.70%
Vehicle Loan Type Used Vehicles 2016-2021	APR* 5.70%

Vehicle Loan Type

APR*

*APR = Annual Percentage Rate.

Vehicle Loan Type

New Vehicles 2022-2024

APR*

4.70%

Vehicle Loan Type

Used Vehicles 2016-2021

APR*

5.70%

Business Equipment Loans

Term	Rate as low as
Rates may change without notice. Rates above are effective as of June 1, 2023. Age 18 or older, membership and credit qualification required. Less than or equal to 80% Maximum Loan to Value. 50%-65% Maximum Loan to Value for Special Use Equipment. Add 1.00% to equipment 2015 and older. Plus $35 for Filing Fees.
Term ≤60 months	Rate as low as 9.00%
Term 61-84 months	Rate as low as 9.00%

Business Commercial Real Estate Loans

Type	Term	Interest Rate
Example of Variable Rate Product: (Wall Street Journal Prime = 7.75%) 7.75% – 1.00% = 6.75%. Rates may change without notice. Rates above are effective as of March 1^st, 2023. Age 18 or older, membership and credit qualification required. 80% Maximum Loan-to-Value. 75% Maximum Loan-to-Value for Cash Our Refinance. Loan origination of 0.75% plus all costs.
Type Fixed Rate	Term 15 Year Term with up to 25 Year Amortization	Interest Rate WSJ Prime
Type Variable Rate	Term 15 Year Term with up to 25 Year Amortization	Interest Rate WSJ Prime - 1.00%

Type

Term

Interest Rate

Example of Variable Rate Product: (Wall Street Journal Prime = 7.75%) 7.75% – 1.00% = 6.75%.

Rates may change without notice. Rates above are effective as of March 1^st, 2023. Age 18 or older, membership and credit qualification required. 80% Maximum Loan-to-Value. 75% Maximum Loan-to-Value for Cash Our Refinance. Loan origination of 0.75% plus all costs.

Type

Fixed Rate

Term

15 Year Term with up to 25 Year Amortization

Interest Rate

WSJ Prime

Type

Variable Rate

Term

15 Year Term with up to 25 Year Amortization

Interest Rate

WSJ Prime - 1.00%

Business Land Loans

Term	Rate as low as
Rates may change without notice. Rates above are effective as of April 13, 2023. Age 18 or older, membership and credit qualification required. 1% Loan fee plus all costs.
Term 1-3 Yr. Term with up to 25 Year Amortization	Rate as low as 6.30%

Business Construction Loans

Term	Rate as low as
Rates may change without notice. Rates above are effective as of October 7, 2022. Age 18 or older, membership and credit qualification required. 75%-80% Maximum Loan to Value. Fees: 1.5% plus all Costs (1.0% for the construction loan, 0.50% for the permanent loan).
Term ≤12 months	Rate as low as 6.95%