Rates

Effective as of: 3/1/2023

Maximum Loan Amounts
Loan Type	Loan Maximum
Auto, Truck, Boats and Motorcycles	$100,000.00
Recreational Vehicles and Large Boats	$100,000.00
Home Equity	$100,000.00
Unsecured (Signature Loan)	$6,000.00
Visa Credit Card	$5,000.00

Loan Rates
Effective Date: 3/1/2023
Loan Types	APR*	Down Required	Terms:
New auto, truck, and motorcycle, as low as	4.45%*	ZERO DOWN*	up to 48 months
New auto, truck, and motorcycle, as low as	4.95%*	ZERO DOWN*	up to 60 months
New auto, truck, and motorcycle, as low as	5.75%*	ZERO DOWN*	up to 72 months
New auto, truck, and motorcycle, as low as	5.75%*	ZERO DOWN*	up to 84 months

Used auto, truck, and motorcycle, as low as	4.99%*	ZERO DOWN*	up to 48 months
Used auto, truck, and motorcycle, as low as	6.25%*	ZERO DOWN*	up to 60 months
Used auto, truck, and motorcycle, as low as	6.45%*	ZERO DOWN*	up to 72 months
Used auto, truck, and motorcycle, as low as	6.45%*	ZERO DOWN*	up to 84 months

New snowmobile, ATVs, as low as	6.50%*	10% DOWN*	up to 84 months
Used snowmobile, ATVs, as low as	8.00%*	10% DOWN*	up to 60 months

New boats, as low as	6.00%*	ZERO DOWN*	up to 84 months
Used boats, as low as	6.50%*	ZERO DOWN*	up to 84 months

New Recreational Vehicles, as low as	6.25%*	5% DOWN*	up to 14 years
Used Recreational Vehicles, as low as	7.25%*	5% DOWN*	up to 14 years

Unsecured (signature),as low as	9.95%*	N/A	up to 36 months
VISA Credit Card	12.75%	N/A	N/A

* Interest rates and down payment are subject to borrower's credit history.

Home Equity Loans
MAXIMUM AMOUNT: $100,000.00
Loan To Value	Up to 5 Years	Up to 10 Years**	Up to 15 Years**
UP to 80%	5.74%	6.24%	6.74%
Up to 85%	6.24%	7.24%	7.74%

** Balloon payment due at the middle of the term for loans longer than 7 years. Balloon payments are typically refinanced at our current rate.
Borrower pays the cost of the appraisal if required.
NO CLOSING COSTS OR POINTS

Payment Example of $10,000.00 borrowed at 80% LTV
LOAN TERM	APR	PAYMENT	BALLOON**
5 YEARS	5.74%	$192.18	N/A
10 YEARS	6.24%	$112.29	$5,884.24 DUE AFTER 5 YEARS

	NMLS EMCU 806317	EMCU Staff 806820	EMCU Staff 2377063