PDF CURRENT BORROWING RATES

[Pages:2]"your road map to financial services -- since 1938"

We exist to help our members fulfill their dreams, to live a high quality of life today and to be financially set for their futures.

--This means if you don't see a product, price or term listed below that meets your needs or expectations, let us know!

We like to find hand-crafted options that fit your goals. And this custom service is just one of the many benefits of living the State Highway Life -- join us today!

CURRENT BORROWING RATES

Vehicles, Watercraft, Toys & Trailers

LOAN TYPE

*APR Effective: 01/01/2019

Autos:

Cars, Trucks, SUVs, & Street Motorcycles, less than 100,000 miles

Example

2018 Toyota RAV4 @ $26,000 MSRP, 100% LTV + Best Rate

Auto Loan:

Base Loan Amt.: $26,000 | Est. Monthly Loan Payment: $466

Come see us for more hand-crafted loan pricing to fit your needs + budget!

RVs + Boats:

Motorhomes, Campers, Travel Trailers, Toy Haulers, Boats

Off-Road:

ORVs, UTVs, ATVs, Snowmobiles, Golf Carts, Jet Skis

Ranch + Garden: Horse Trailers (w/o living quarters), Tractors, Mowers

Specialty Autos: Classic Cars, Other Vehicles, greater than 100,000 miles

Home Loans & Lines of Credit

LOAN TYPE

Home Mortgages (fixed rate) Home Refinance Loans (fixed rate) Home Equity Loans (HELOAN) (fixed rate) Home Equity Line of Credit (HELOC) (variable rate**) Manufactured & Mobile Homes Loans (fixed rate)

*APR Effective: 01/01/2019

Residential Real Estate Investment Loans

LOAN TYPE

*APR Effective: 01/01/2019

Residential Real Estate Loans (1-4 unit, non-owner dwellings, fixed rate)

Residential Real Estate Line of Credit (1-4 unit, non-owner dwellings, variable rate**)

Personal Loans

LOAN TYPE

*APR Effective: 01/01/2019

Lifestyle Personal Loans (unsecured; fixed-rate)

Lifestyle Personal Loans (savings-secured; 2.50% + Current Regular Share Rate)

Credit Cards

LOAN TYPE

VISA? Credit Card

*APR Effective: 01/01/2019

Rates start at:

3.99

%

APR

4.49

%

APR

4.00

%

APR

7.75

%

APR

7.75

%

APR

4.99

%

APR

Rates start at:

3.25

%

APR

3.25

%

APR

3.25

%

APR

5.50

%

APR

9.75

%

APR

Rates start at:

7.25

%

APR

6.50

%

APR

Rates start at:

12.00

%

APR

2.70

%

APR

Flat Rate:

10.50

%

APR

Term Options Vary & Impact Rate:

up to 84 mos

60 mos

5-15 yrs up to 48 mos up to 48 mos up to 60 mos

Term Options Vary & Impact Rate:

5-30 yrs 5-30 yrs 5-30 yrs 5-30 yrs 7-15 yrs

Term Options Vary & Impact Rate:

10-15 yrs 5-30 yrs

Term Options Vary & Impact Rate:

up to 48 mos 1-8 yrs

Term:

revolving

LTV Options Vary on approved credit:

up to 130%

100%

80 - 100% 80 - 100% 80 - 100% up to 130%

LTV Options Vary & Impact Rate:

65 - 80% 65 - 80% 65 - 80% 65 - 80% up to 80%

LTV Options Vary & Impact Rate:

up to 65% up to 65%

IMPORTANT NOTES:

APR = Annual Percentage Rate | LTV = Loan to Value | Max. = Maximum | Min. = Minimum

* Rates are subject to change and are dependent on terms and approved credit. Longer terms available. Ask your SHCU team about our full range of borrowing options, eligibility qualifications, current rates, fees, terms and conditions. Some restrictions may apply. Tax and license are subject to approval.

** Home Equity Line of Credit (HELOC) Variable Rate is based on the current Wall Street Journal (WSJ) Prime Rate. Residential Real Estate Line of Credit Variable Rate is based on the current Wall Street Journal (WSJ) Prime Rate + 1.00%.

Questions? Just ask your State Highway Member Services Team: mail@

Borrowing Rates

STATE HIGHWAY CREDIT UNION

Updated: v20190101

"your road map to financial services -- since 1938"

We exist to help our members fulfill their dreams, to live a high quality of life today and to be financially set for their futures.

--This means if you don't see a product, price or term listed below that meets your needs or expectations, let us know!

We like to find hand-crafted options that fit your goals. And this custom service is just one of the many benefits of living the State Highway Life -- join us today!

CURRENT CHECKING & SAVINGS RATES

Share Accounts

ACCOUNT TYPE

Checking (Draft Share Accounts) Savings (Regular Share Accounts) Sub-Savings Christmas Club Savings

*DR/APY Effective: 01/01/2019

Education & Retirement Accounts

ACCOUNT TYPE

Coverdell Education Savings Account

*DR/APY Effective: 01/01/2019

Traditional Individual Retirement Acounts

Roth Individual Retirement Accounts

Certificate of Deposit Accounts

ACCOUNT TYPE

CD - Regular (6 month) CD - Regular (12 month) CD - Jumbo (6 month) CD - Jumbo (12 month)

*DR/APY Effective: 01/01/2019

Dividend Rate:

0.00

%

DR

0.20

%

DR

0.20

%

DR

0.20

%

DR

Dividend Rate:

0.70

%

DR

0.70

%

DR

0.70

%

DR

Dividend Rate:

0.60

%

DR

1.00

%

DR

0.65

%

DR

0.80

%

DR

APY:

0.00

%

APY

0.20

%

APY

0.20

%

APY

0.20

%

APY

Min. Deposit:

$0.00 $25.00 $0.00 $0.00

APY:

0.70

%

APY

0.70

%

APY

0.70

%

APY

Min. Deposit:

$25.00 $25.00 $25.00

APY:

0.60

%

APY

1.01

%

APY

0.65

%

APY

0.80

%

APY

Min. Deposit:

$500.00 $1,000.00 $20,000.00 $20,000.00

Min. Balance

$0.00 $25.00 $0.00 $0.00

Max. Term

6 months 12 months 6 months 12 months

IMPORTANT NOTES:

APY = Annual Percentage Yield | DR = Dividend Rate | Max. = Maximum | Min. = Minimum

* Rates, Yields, and Minimum Deposits are subject to change and can be dependent on term. Fees could reduce earnings on share accounts. Ask your SHCU team about our full range of checking and savings options, eligibility qualifications, current rates, fees, terms and conditions. Shares Dividends are calculated daily and paid monthly. IRA Dividends are tied to the one year CD Rate in effect at each month end. CD interest compounds monthly. CDs automatically renew at the current rate at maturity, with the exception of CD Specials which mature into a share deposit account. A fee penalty of up to 90 days of dividends may be imposed for early CD withdrawal. Other restrictions may apply.

Questions? Just ask your State Highway Member Services Team: mail@

Checking + Savings Rates

STATE HIGHWAY CREDIT UNION

Updated: v20190101

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