Loan Rate and Information Sheet

Loan Rate and Information Sheet

Rates in effect as of October 4, 2021

3900 Crown Rd ? Atlanta, GA 30380 (404) 768-4126 ? (800) 849-8431 ? info@

The information provided below is accurate as of the effective date listed. Loan rates are quoted as an Annual Percentage Rates and are subject to change without notice. Additional rates and terms may be available. Rates shown are the lowest available for the listed term. All loans are subject to approval of credit. Your actual rate is based upon your credit scoring factors, and for collateral loans, the selected term, model year and loan-to-value of the collateral. APCU is an Equal Opportunity Lender. Please call us at (800) 849-8431 or (404) 768-4126 for more information.

Description

Term

% Above Index

ANNUAL PERCENTAGE RATE (APR)

New and Used Consumer Secured Loans

(Autos, boats, recreational vehicles, motorcycles, etc.)

2015 and newer 2015 and newer 2015 and newer

48 months 49 ? 60 months 61 ? 72 months

1.87% ? 11.81% 1.97% ? 14.31% 2.22% ? 14.56%

2013 ? 2014 2013 ? 2014

48 months 49 ? 60 months

2.87% ? 12.81% 2.97% ? 15.31%

Payment example: Estimated monthly payments on a 48-month auto loan at 1.87% = $22.00 per $1,000 borrowed.

Personal Loans

72 months

7.90% ? 17.90%

Share or Certificate Secured Loans*

100% of balance on deposit

2.00%

* Share Secured Loans: The APR will be the dividend rate paid on regular shares the previous quarter (index) plus the percentage shown in the table above under the "% Above Index" column. The rates are subject to change quarterly on the 1st day of January, April, July, and October to reflect any change in the Index. Any increase in the APR will result in more payments of the same amount until what you owe is repaid.

* Certificate Secured Loans: The APR will be the dividend rate being paid on the Certificate offered as security (index) plus the percentage shown in the table above under the "% Above Index" column. The Certificate must either be renewed until the loan is completely paid or be rolled over into a Share account, at which point the loan will become a Share Secured loan and be subject to those terms. Failure to renew the Certificate or roll it over to a Share Account will result in default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate and index. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. The present APR and daily periodic rate for Certificate Secured loans will be disclosed on the voucher at the time the loan is closed.

See reverse side for additional disclosure information.

Revised 10/04/2021- DH

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on Purchases

? CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

APPLICATION AND SOLICITATION DISCLOSURE

APCU Visa Platinum/Affinity Rewards - UPMA Affinity Rewards - A-PLUS/Affinity Rewards - NRLCA

9.90% to 16.90%, based on your creditworthiness.

APCU Choice/Center Parc Choice

7.25% to 15.25%, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime Rate.

APCU Platinum Rewards/APCU Signature Rewards/Center Parc Platinum Rewards/Center Parc Signature Rewards/Affinity Georgia State Rewards/APCU Momentum/Center Parc Momentum

9.25% to 17.25%, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime Rate.

APCU Visa Platinum/Affinity Rewards - UPMA Affinity Rewards - A-PLUS/Affinity Rewards - NRLCA 9.90% to 16.90%, based on your creditworthiness.

APCU Choice/Center Parc Choice 7.25% to 15.25%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APCU Platinum Rewards/APCU Signature Rewards/Center Parc Platinum Rewards/Center Parc Signature Rewards/Affinity Georgia State Rewards/APCU Momentum/Center Parc Momentum 9.25% to 17.25%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APCU Visa Platinum/Affinity Rewards - UPMA Affinity Rewards - A-PLUS/Affinity Rewards - NRLCA 9.90% to 16.90%, based on your creditworthiness.

APCU Choice/Center Parc Choice 9.25% to 17.25%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APCU Platinum Rewards/APCU Signature Rewards/Center Parc Platinum Rewards/Center Parc Signature Rewards/Affinity Georgia State Rewards/APCU Momentum/Center Parc Momentum 11.25% to 19.25%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

SEE NEXT PAGE for more important information about your account.

01000038-MXC10-C-1-040721 (MXC102-E)

For Credit Card Tips from the Consumer Financial Protection Bureau

Fees

Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee ? APCU Signature Rewards, Center Parc Signature Rewards - Foreign Transaction Fee ? APCU Visa Platinum, Affinity Rewards ? UPMA, Affinity Rewards ? A-Plus, Affinity Rewards ? NRLCA, APCU Choice, Center Parc Choice, APCU Momentum, Center Parc Momentum

Penalty Fees - Late Payment Fee - Over-the-Credit Limit Fee - Returned Payment Fee

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at .

None 2.00% of the amount of each cash advance None

1.00% of each transaction in U.S. dollars

Up to $40.00 Up to $29.00 Up to $29.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Effective Date: The information about the costs of the card described in this application is accurate as of: June 21, 2021 This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the APCU Visa Platinum, Affinity Rewards ? UPMA, Affinity Rewards - A-PLUS, Affinity Rewards - NRLCA, APCU Momentum, Center Parc Momentum, APCU Choice, Center Parc Choice, APCU Platinum Rewards, APCU Signature Rewards, Center Parc Platinum Rewards, Center Parc Signature Rewards, and Affinity Georgia State Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures: Late Payment Fee: $29.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $40.00 or the amount of the required minimum payment, whichever is less.

Cash Advance Fee (Finance Charge): 2.00% of each cash advance.

Over-the-Credit Limit Fee: $29.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. Returned Payment Fee: $29.00 or the amount of the required minimum payment, whichever is less. Returned Convenience Check Fee: $29.00 if the amount of the convenience check is $29.00 or greater. If the convenience check is less than $29.00, the fee will not be assessed. Card Replacement Fee: $10.00, fee is waived for your first card replacement. Document Copy Fee: $5.00. Pay-by-Phone Fee: $10.00.

Rush Fee: $25.00.

Statement Copy Fee: $5.00.

? CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01000038-MXC10-C-1-040721 (MXC102-E)

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