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Routing #321175481

Routing #321175481

Rates

For more information about fees, please see the Consumer Pricing Schedule.

Pricing Schedule

Better Than Free Checking
APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates and terms effective November 12, 2026 and are subject to change without notice.
APY* 1.00%	Rate 0.995%	Minimum Balance to Open $0	Minimum Balance to Earn Dividends Up to $500 with direct deposit

Dividend Checking
Balance	APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates and terms effective November 12, 2026 and are subject to change without notice.
Balance $0-$19,999.99	APY* 0.05%	Rate 0.050%	Minimum Balance to Open $100	Minimum Balance to Earn Dividends $300
Balance $20,000-$49,999.99	APY* 0.08%	Rate 0.080%	Minimum Balance to Open $100	Minimum Balance to Earn Dividends $20,000
Balance $50,000-$99,999.99	APY* 0.10%	Rate 0.150%	Minimum Balance to Open $100	Minimum Balance to Earn Dividends $50,000
Balance $100,000+	APY* 0.15%	Rate 0.150%	Minimum Balance to Open $100	Minimum Balance to Earn Dividends $100,000

Smart Start High Yield Savings & IRA
Balance	APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*APY = Annual Percentage Yield. Rate = Dividend Rate Rates and terms effective November 12, 2026 and are subject to change without notice. Smart Start Savings Account APY is earned on the portion of your balance in each rate tier. First $5,000 must be funds new on deposit to First U.S. Limit one Smart Start Savings Account per member. Check access not available.
Balance $0-$2,000	APY* 4.00%	Rate 3.928%	Minimum Balance to Open $0	Minimum Balance to Earn Dividends $0
Balance $2,000.01-$5,000	APY* 1.50%	Rate 1.490%	Minimum Balance to Open $0	Minimum Balance to Earn Dividends $2,000
Balance $5,000.01-$10,000	APY* 0.25%	Rate 0.250%	Minimum Balance to Open $0	Minimum Balance to Earn Dividends $5,000
Balance $10,000.01-$50,000	APY* 0.08%	Rate 0.080%	Minimum Balance to Open $0	Minimum Balance to Earn Dividends $10,000

Dream Savings
Balance	APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates and terms effective November 12, 2026 and are subject to change without notice.
Balance $0-$4,999	APY* 0.05%	Rate 0.050%	Minimum Balance to Open $1	Minimum Balance to Earn Dividends $100
Balance $5,000+	APY* 0.10%	Rate 0.100%	Minimum Balance to Open $1	Minimum Balance to Earn Dividends $5,000

Money Market Savings & IRA
Balance	APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates and terms effective November 12, 2026 and are subject to change without notice.
Balance $0-$24,999	APY* 0.65%	Rate 0.650%	Minimum Balance to Open $2,000	Minimum Balance to Earn Dividends $2,000
Balance $25,000-$99,999	APY* 1.65%	Rate 1.638%	Minimum Balance to Open $2,000	Minimum Balance to Earn Dividends $25,000
Balance $100,000-$249,999	APY* 1.70%	Rate 1.687%	Minimum Balance to Open $2,000	Minimum Balance to Earn Dividends $100,000
Balance $250,000-$499,999	APY* 1.95%	Rate 1.933%	Minimum Balance to Open $2,000	Minimum Balance to Earn Dividends $250,000
Balance $500,000+	APY* 2.15%	Rate 2.129%	Minimum Balance to Open $2,000	Minimum Balance to Earn Dividends $500,000

Prime Savings
Balance	APY*	Rates	Minimum Balance to Open	Minimum Balance to Earn Dividends
*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates and terms effective November 12, 2026 and are subject to change without notice.
Balance $0-$4,999	APY* 0.05%	Rates 0.050%	Minimum Balance to Open $5	Minimum Balance to Earn Dividends $100
Balance $5,000+	APY* 0.10%	Rates 0.100%	Minimum Balance to Open $5	Minimum Balance to Earn Dividends $5,000

Youth Savings
APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates and terms effective November 12, 2026 and are subject to change without notice.
APY* 0.05%	Rate 0.050%	Minimum Balance to Open $5	Minimum Balance to Earn Dividends $100+

Health Savings Account (HSA)
APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates and terms effective November 12, 2026 and are subject to change without notice. You must be covered under a qualified High Deductible Health Plan (HDHP) to open an HSA. Keep receipts for all HSA debit card purchases, as withdrawals must be for qualified medical expenses. Consult your tax advisor regarding specific tax situations.
APY* 0.10%	Rate 0.100%	Minimum Balance to Open $1	Minimum Balance to Earn Dividends $300

Certificates (Share & IRA)
Share & IRA Certificates	$500 Minimum Balance		$10,000 Minimum Balance		$50,000 Minimum Balance		$100,000 Minimum Balance
*Annual Percentage Yield (APYs), terms, offers effective November 12, 2026 and subject to change. Withdrawals will reduce earnings. Certificates: Penalty for early withdrawal.
Share & IRA Certificates Term	$500 Minimum Balance APR*	Rate	$10,000 Minimum Balance APR	Rate	$50,000 Minimum Balance APR	Rate	$100,000 Minimum Balance APR	Rate
Share & IRA Certificates 3 months	$500 Minimum Balance 2.90%	2.862%	$10,000 Minimum Balance 2.90%	2.862%	$50,000 Minimum Balance 2.90%	2.862%	$100,000 Minimum Balance 2.90%	2.862%
Share & IRA Certificates 6 months	$500 Minimum Balance 2.95%	2.911%	$10,000 Minimum Balance 3.00%	2.960%	$50,000 Minimum Balance 3.00%	2.960%	$100,000 Minimum Balance 3.00%	2.960%
Share & IRA Certificates 9 months	$500 Minimum Balance 3.05%	3.008%	$10,000 Minimum Balance 3.10%	3.057%	$50,000 Minimum Balance 3.10%	3.057%	$100,000 Minimum Balance 3.10%	3.057%
Share & IRA Certificates 12 months	$500 Minimum Balance 3.10%	3.057%	$10,000 Minimum Balance 3.15%	3.105%	$50,000 Minimum Balance 3.15%	3.105%	$100,000 Minimum Balance 3.20%	3.154%
Share & IRA Certificates 18 months	$500 Minimum Balance 3.10%	3.057%	$10,000 Minimum Balance 3.15%	3.105%	$50,000 Minimum Balance 3.15%	3.105%	$100,000 Minimum Balance 3.20%	3.154%
Share & IRA Certificates 24 months	$500 Minimum Balance 3.15%	3.105%	$10,000 Minimum Balance 3.25%	3.203%	$50,000 Minimum Balance 3.25%	3.203%	$100,000 Minimum Balance 3.30%	3.251%
Share & IRA Certificates 36 months	$500 Minimum Balance 3.30%	3.251%	$10,000 Minimum Balance 3.30%	3.251%	$50,000 Minimum Balance 3.30%	3.251%	$100,000 Minimum Balance 3.40%	3.348%
Share & IRA Certificates 48 months	$500 Minimum Balance 3.35%	3.300%	$10,000 Minimum Balance 3.40%	3.348%	$50,000 Minimum Balance 3.40%	3.348%	$100,000 Minimum Balance 3.50%	3.445%
Share & IRA Certificates 60 months	$500 Minimum Balance 3.50%	3.445%	$10,000 Minimum Balance 3.55%	3.497%	$50,000 Minimum Balance 3.55%	3.497%	$100,000 Minimum Balance 3.60%	3.545%

Certificate Special
Term	Minimum Balance	APY*	Rate
*Annual Percentage Yield (APYs), terms, offers effective November 12, 2026 and subject to change. Withdrawals will reduce earnings. Certificates: Penalty for early withdrawal. Certificate Special: Certain restrictions apply. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates.
Term 3, 6, 9 or 12 months	Minimum Balance $500	APY* 4.00%	Rate 3.928%

Fixed Rate Conforming Home Loans ($50,000 to $832,750)
Terms	Rates	Points	APR*	Payments	Payment
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Rates and payment examples shown are based on $200,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Payment example: 120 monthly payments of approximately $11.29 per $1,000 borrowed. Max loan amount is $832,750. Taxes and insurance are not included in the payment example; your payment may be greater.
Terms 30 Year Fixed	Rates 7.000%	Points 0	APR* 7.143%	Payments 360	Payment $1,364.35
Terms 20 Year Fixed	Rates 6.625%	Points 0	APR* 6.805%	Payments 240	Payment $1,550.60
Terms 15 Year Fixed	Rates 6.500%	Points 0	APR* 6.722%	Payments 180	Payment $1,769.82
Terms 10 Year Fixed	Rates 6.375%	Points 0	APR* 6.685%	Payments 120	Payment $2,270.96

Fixed Rate Jumbo Home Loans ($832,751 and Over)
terms	rate	points	APR*	payments	paymnet
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Rates and payment examples shown are based on $1,125,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Payment example: 120 monthly payments of approximately $11.35 per $1,000 borrowed. Taxes and insurance are not included in the payment example; your payment may be greater.
terms 30 Year Fixed	rate 7.125%	points 0	APR* 7.321%	payments 360	paymnet $7,674.48
terms 20 Year Fixed	rate 6.875%	points 0	APR* 7.089%	payments 240	paymnet $8,722.11
terms 15-Year Fixed	rate 6.750%	points 0	APR* 6.858%	payments 180	paymnet $9,955.23
terms 10 Year Fixed	rate 6.500%	points 0	APR* 6.647%	payments 120	paymnet $12,774.15

ARM* Rate Conforming Home Loans ($50,000 to $832,750)
term	rate	points	APRs¹	payments
1. Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. APR shown is based on $200,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Max loan amount is $832,750. (ARM – Adjustable Rate Mortgage) 15/15 ARM* is fixed for the first 15 years, then adjusts and fixed for the next 15 years after. Based on 10-year CMT +1.00% margin. Adjustment cap 6%; floor rate 1.00%. Payment example: the first 180 payments of $6.65 per $1,000 borrowed. 10/10/10 ARM is fixed for the first 10 years, subject to change every 10 years thereafter. Based on 10-year CMT + 1.5% margin. Adjustment cap 3%; floor rate 1.00%. Payment example: the first 120 payments of $6.57 per $1,000 borrowed. 5/5 ARM is fixed for the first five years, subject to change every five years thereafter. Based on the 1-year CMT + 2.25% margin. Adjustment cap 2%; floor rate 2.25%. Payment example: the first 60 payments of $5.99 per $1,000 borrowed.
term 15/15 ARM	rate 7.000%	points 0	APRs¹ 6.829%	payments 360
term 10/10/10 ARM	rate 6.875%	points 0	APRs¹ 6.779%	payments 360
term 5/5 ARM	rate 5.990%	points 0	APRs¹ 6.224%	payments 360

ARM* Rate Jumbo Home Loans ($832,751 and Over)
term	rate	points	apr¹	payments
1. Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. APR shown is based on $1,125,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. ARM – Adjustable Rate Mortgage 15/15 ARM* is fixed for the first 15 years, then adjusts and fixed for the next 15 years after. Based on 10-year CMT +1.00% margin. Adjustment cap 6%; floor rate 1.00%. Payment example: the first 180 payments of $6.65 per $1,000 borrowed. 10/10/10 ARM is fixed for the first 10 years, subject to change every 10 years thereafter. Based on 10-year CMT + 1.5% margin. Adjustment cap 3%; floor rate 1.00%. Payment example: the first 120 payments of $6.57 per $1,000 borrowed. 5/5 ARM is fixed for the first five years, subject to change every five years thereafter. Based on the 1-year CMT + 2.25% margin. Adjustment cap 2%; floor rate 2.25%. Payment example: the first 60 payments of $5.99 per $1,000 borrowed.
term 15/15 ARM	rate 7.000%	points 0	apr¹ 6.738%	payments 360
term 10/10/10 ARM	rate 6.875%	points 0	apr¹ 6.466%	payments 360
term 5/5 ARM	rate 5.990%	points 0	apr¹ 6.131%	payments 360

Non-Owner Occupied Home Loans
term	rate	points	APR*
Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. 10 Year Fixed Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $11.61 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher. 15 Year Fixed* Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.99 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
term 10 Year Fixed (conforming)	rate 6.875%	points 0	APR* 7.131%
term 15 Year Fixed (conforming)	rate 7.000%	points 0	APR* 7.131%

Home Equity Line of Credit (HELOC)

*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Your actual rate may vary based on your credit history and CLTV. HELOC: Variable rate based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 7.00%). Min APR 3.25%. Max APR 15.00%. $499 early closure fee for 2nd trust deeds or $799 for 1st trust deeds, waived if the account is open for 3 years. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $400,000 maximum loan amount. Not available for purchases. Payment example, 6 monthly payments of $6.47 for each $1,000 borrowed, followed by 234 monthly payments of $7.75 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. For Non-Owner Occupied HELOC: Prime Rate + 2.00% (currently 9.00%). Minimum APR 3.25%. Maximum CLTV 75%. $799 opening fee (waived if account is open for 3 years). Up-front, borrower-paid appraisal required. $100,000 maximum loan amount.
4.75% APR* for 6 months, then As low as 6.75% up to 80% LTV (Prime + 0%)
As low as 8.00% APR up to 90% LTV (Prime + 1.25%)
As low as 8.25% ARP up to 100% LTV (Prime + 1.50%)

Home Equity Loans
term	LTV	APR* as low as
Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. 10 Year Fixed Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $40,000; maximum loan amount $400,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years). Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 120 monthly payments of approximately $11.80 per $1,000 borrowed. 15 Year Fixed* Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $40,000; maximum loan amount $250,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 180 monthly payments of $9.27 per $1,000 borrowed. 20 Year Fixed Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $40,000; maximum loan amount $250,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 240 monthly payments of approximately $8.33 per $1,000 borrowed.
term 10 Year Fixed	LTV 80%	APR* as low as 7.375%
term 10 Year Fixed	LTV 90%	APR* as low as 9.000%
term 15 Year Fixed	LTV 80%	APR* as low as 7.500%
term 15 Year Fixed	LTV 90%	APR* as low as 9.500%
term 20 Year Fixed	LTV 80%	APR* as low as 7.940%
term 20 Year Fixed	LTV 90%	APR* as low as 10.250%

Non-Owner Occupied Home Equity Loans
term	APR* as low as
Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. 10 Year Fixed Second Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $12.26 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher. 15 Year Fixed Second* Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $10.14 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
term 10 Year Fixed Second	APR* as low as 8.250%
term 15 Year Fixed Second	APR* as low as 9.000%

New Vehicle Loans (2025 or newer)
Term	APR* as low as
* Annual Percentage Rates (APRs), rates, terms and offers accurate as of 10/16/2026 and subject to change without notice. Mileage restrictions may apply for vehicle loans. Autos, Pickups, Vans and SUVs 2025 or newer model years. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. New auto payment example: 60 payments of $19.27 per $1,000 borrowed.
Term 36 months	APR* as low as 5.84%
Term 48 months	APR* as low as 5.84%
Term 60 months	APR* as low as 5.84%
Term 66 months	APR* as low as 6.04%
Term 72 months	APR* as low as 6.09%
Term 84 months	APR* as low as 6.64%

Used Vehicle Loans (2017-2024)
Term	APR* as low as
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Mileage restrictions may apply for vehicle loans. Autos, Pickups, Vans, SUVs 2017 – 2024 model years. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Used auto payment example: 60 payments of $19.43 per $1,000 borrowed.
Term 36 months	APR* as low as 6.09%
Term 48 months	APR* as low as 6.09%
Term 60 months	APR* as low as 6.19%
Term 66 months	APR* as low as 6.29%
Term 72 months	APR* as low as 6.34%
Term 84 months	APR* as low as 7.09%

First-time Auto Buyer Loans (2025 or newer)
Term	APR* as low as
Applies to vehicles with 100,000 or fewer miles. *Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Finance up to 90% MSRP for new or 90% retail Kelly Blue Book for used. 0.50% APR discount for 80% all-in LTV or less. $500 down required. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Maximum loan amount: $30,000 for terms up to 72 months. New auto payment example: 48 payments of $23.49 per $1,000 borrowed. Restrictions may apply for vehicle loans.
Term 60 months	APR* as low as 10.34%
Term 66 months	APR* as low as 10.54%
Term 72 months	APR* as low as 10.59%

New Recreational Vehicle Loans (2025 or newer)
Term	APR* as low as
Boats, Trailers, Campers, Motor Coaches. *Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change without notice. Mileage restrictions may apply for vehicle loans. Finance up to 110% of MSRP. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Payment example: 72 payments of $16.69 per $1,000 borrowed.
Term Up to 60 months	APR* as low as 7.74%
Term 72 months	APR* as low as 7.74%
Term 84 months	APR* as low as 7.74%
Term 120 months	APR* as low as 8.24%
Term 180 months	APR* as low as 8.74%
Term 240 months	APR* as low as 9.74%

Used Recreational Vehicle Loans (2016-2024)
Term	APR* as low as
Boats, Trailers, Campers, Motor Coaches. *Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Mileage restrictions may apply for vehicle loans. Finance up to 110% of Average Retail JD Power value. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Payment example: 72 payments of $17.41 per $1,000 borrowed.
Term Up to 60 months	APR* as low as 7.99%
Term 72 months	APR* as low as 7.99%
Term 84 months	APR* as low as 7.99%
Term 120 months	APR* as low as 8.49%
Term 180 months	APR* as low as 8.99%
Term 240 months	APR* as low as 9.99%

Motorcycle, ATV, UTV, Snowmobile, Jet Ski Loans (2026 or newer)
Term	APR* as low as
*Annual Percentage Rate (APRs), rates, terms and offers accurate as of November 12, 2026 and subject to change without notice. Mileage restrictions may apply for vehicle loans. Finance up to 110% of MSRP or Average Retail (including accessories, tax and license). New loans are less than one model year old. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Payment example: 60 payments of $19.93 per $1,000 borrowed. Finance up to 110% of Average Retail (including accessories, tax and license). Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Payment example: 60 payments of $20.40 per $1,000 borrowed.
Term 60 months	APR* as low as 7.24%
Term 72 months	APR* as low as 7.49%
Term 84 months	APR* as low as 8.24%

GoGreen Home Energy Loans
Term	APR* as low as
*Annual Percentage Rates (APRs), terms, offers effective 04/05/2026 and subject to change. Income, credit and other criteria will determine actual APR, which may be higher. Payment example: 60 monthly payments of $19.34 per $1,000 borrowed. 181+ months financing only available for $35k+ solar/battery projects. eStatements are required, or a statement fee may apply. Cannot be used to refinance an existing First U.S. loan. Pacific Gas and Electric Company (PG&E®), San Diego Gas & Electric Company (SDG&E®), Southern California Edison Company (SCE®) and Southern California Gas Company (SoCalGas®) are not making an offer to lend and have no role in reviewing or approving your financing application. First U.S. does not endorse or encourage the product or services of participating contractors.
Term 1-36 months	APR* as low as 5.49%
Term 37-60 months	APR* as low as 5.99%
Term 61-120 months	APR* as low as 6.99%
Term 121-180 months	APR* as low as 7.99%
Term 181-240 months	APR* as low as 8.24%

Eco-Upgrade+ Loan
Term (Secured)	APR* as low as
*Annual Percentage Rates (APRs), terms, offers effective 04/05/2026 and subject to change. Income, credit, and other criteria will determine actual APR, which may be higher. Owner-occupied improvements in California only. Loans for up to $25,000 can be unsecured. For Unsecured Loans, add 2% to APR. For loan amounts over $25,000, financing available up to 95% CLTV. A $699 processing fee applies for secured loans that can be added to loan balance or paid separately. Restrictions apply. Payment example: 60 monthly payments of $19.80 per $1,000 borrowed. Cannot be used to refinance an existing First U.S. loan.
Term (Secured) 1-60months	APR* as low as 6.99%

Personal Loans
Term	APR* as low as
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Your actual rate may vary and will be based on credit score and the loan term. Payment example: 48 payments of $25.86 per $1,000 borrowed. Minimum loan amount $1,000.
Term Up to 12 months	APR* as low as 9.49%
Term Up to 24 months	APR* as low as 9.99%
Term Up to 36 months	APR* as low as 10.49%
Term Up to 48 months	APR* as low as 10.99%
Term Up to 60 months	APR* as low as 11.49%

Personal Lines of Credit
APR* as low as	Maximum Loan Amount
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. There may be a transfer fee of $6 when your personal line of credit is used to prevent insufficient funds incidents for your checking account. Over-limit fee $15. Minimum payment: 2% or $25, whichever is greater. Payment example: 60 payments of $23 per $1,000 borrowed.
APR* as low as 13.25%	Maximum Loan Amount $25,000

Share Secured Loan
Term	APR* as low as
Payment example: 60 payments of $20 per $1,000 borrowed.
Term Up to 60 months	APR* as low as 6.45%

Quick Cash Loan
Term	Loan Amount	APR*	Application Fee
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Non-refundable $20 application fee per loan application. Only one open/active loan at any time. Maximum 6 Quick Cash loans per year. (Maximum 3 in a rolling 6-month period.) Direct deposit of net payroll is required. Payment example: 3 monthly payments of $34.91 per $100 borrowed.
Term 1-3 months	Loan Amount $200-$500	APR* 28%	Application Fee $20

Business Interest Checking
APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*See Business Pricing Schedule for more information.
APY* 0.02%	Rate 0.020%	Minimum Balance to Open $1,000	Minimum Balance to Earn Dividends $1,000

Business Savings Account
Balance	APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*See Business Pricing Schedule for more information.
Balance $100-$4,999	APY* 0.05%	Rate 0.05%	Minimum Balance to Open $5	Minimum Balance to Earn Dividends $100
Balance $5,000-$24,999	APY* 0.10%	Rate 0.10%	Minimum Balance to Open $5	Minimum Balance to Earn Dividends $5,000
Balance $25,000-$99,999	APY* 0.10%	Rate 0.10%	Minimum Balance to Open $5	Minimum Balance to Earn Dividends $25,000
Balance $100,000+	APY* 0.10%	Rate 0.10%	Minimum Balance to Open $5	Minimum Balance to Earn Dividends $100,000

Business Money Market
Balance	APY*	Rate	Minimum Balance to Open	Minimum Balance to Earn Dividends
*See Business Pricing Schedule for more information.
Balance $2,500-$9,999	APY* 0.45%	Rate 0.449%	Minimum Balance to Open $2,500	Minimum Balance to Earn Dividends $2,500
Balance $10,000-$24,999	APY* 0.50%	Rate 0.499%	Minimum Balance to Open $2,500	Minimum Balance to Earn Dividends $10,000
Balance $25,000+	APY* 0.55%	Rate 0.549%	Minimum Balance to Open $2,500	Minimum Balance to Earn Dividends $25,000

Business Certificate
Share Certificates	$500 Minimum Balance		$10,000 Minimum Balance		$50,000 Minimum Balance		$100,000 Minimum Balance
*Annual Percentage Yield (APYs), terms, offers effective November 12, 2026 and subject to change. Rate = Dividend Rate.
Share Certificates Term	$500 Minimum Balance APY*	Rate	$10,000 Minimum Balance APY	Rate	$50,000 Minimum Balance APY	Rate	$100,000 Minimum Balance APY	Rate
Share Certificates 3 months	$500 Minimum Balance 2.90%	2.862%	$10,000 Minimum Balance 2.90%	2.862%	$50,000 Minimum Balance 2.90%	2.862%	$100,000 Minimum Balance 2.90%	2.862%
Share Certificates 6 months	$500 Minimum Balance 2.95%	2.911%	$10,000 Minimum Balance 3.00%	2.960%	$50,000 Minimum Balance 3.00%	2.960%	$100,000 Minimum Balance 3.00%	2.960%
Share Certificates 9 months	$500 Minimum Balance 3.05%	3.008%	$10,000 Minimum Balance 3.10%	3.057%	$50,000 Minimum Balance 3.10%	3.057%	$100,000 Minimum Balance 3.10%	3.057%
Share Certificates 12 months	$500 Minimum Balance 3.10%	3.057%	$10,000 Minimum Balance 3.15%	3.105%	$50,000 Minimum Balance 3.15%	3.105%	$100,000 Minimum Balance 3.20%	3.154%
Share Certificates 18 months	$500 Minimum Balance 3.10%	3.057%	$10,000 Minimum Balance 3.15%	3.105%	$50,000 Minimum Balance 3.15%	3.105%	$100,000 Minimum Balance 3.20%	3.154%
Share Certificates 24 months	$500 Minimum Balance 3.15%	3.105%	$10,000 Minimum Balance 3.25%	3.203%	$50,000 Minimum Balance 3.25%	3.203%	$100,000 Minimum Balance 3.30%	3.251%
Share Certificates 36 months	$500 Minimum Balance 3.30%	3.251%	$10,000 Minimum Balance 3.30%	3.251%	$50,000 Minimum Balance 3.30%	3.251%	$100,000 Minimum Balance 3.40%	3.348%
Share Certificates 48 months	$500 Minimum Balance 3.35%	3.300%	$10,000 Minimum Balance 3.40%	3.348%	$50,000 Minimum Balance 3.40%	3.348%	$100,000 Minimum Balance 3.50%	3.445%
Share Certificates 60 months	$500 Minimum Balance 3.50%	3.445%	$10,000 Minimum Balance 3.55%	3.497%	$50,000 Minimum Balance 3.55%	3.497%	$100,000 Minimum Balance 3.60%	3.545%

Business Vehicle Loans (2025 or newer)
Term	APR* as low as
Autos, Vans, SUVs, Trucks to 1 ton 2025 – 2027 model years. *APRs, rates, terms and offers accurate as of 10/16/2026 and subject to change without notice. Your actual rate may vary and is based on credit, term, and amount financed. New auto payment example: 60 payments of $20.21 per $1,000 borrowed. Fixed rates. Finance up to 100% of MSRP for purchases and refinances, plus $620 for GAP.
Term 36 months	APR* as low as 7.84%
Term 48 months	APR* as low as 7.84%
Term 60 months	APR* as low as 7.84%
Term 66 months	APR* as low as 8.04%
Term 72 months	APR* as low as 8.09%

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