Personal Loans and Overdraft Protection*

SECURED LOANS*

* Percentage rates (%) quoted on loans are the ANNUAL PERCENTAGE RATE
Other rates may apply. See loan officer for more details.

Loan Risk Category (by Beacon Score) Annual Percentage Rates
New Autos/Previous Year (untitled) *2.99%
Used Cars 2008-2017 *3.25%
New Motorcycles, Campers, ATV’s, RV’s, Jetski’s 4.25%
Used Motorcycles, Campers, ATV’s, RV’s, Jetski’s (Over 60 month term add 1%) *5.25%
New Marine *4.25%
Used Marine (Over 60 to 84 month term add 1%) *5.25%
Loan Risk Category (by Beacon Score) Annual Percentage Rate As Low As
Personal Loans and Overdraft Protection *9.50%
Savings Balances Minimum Balance Dividend Rate* Annual Percentage Yield* Term
Prime Shares $0-$499.99 $25.00 0.05 0.05 n/a
  $500.00-$4,999.99 $500.00 0.10 0.10 n/a
  $5,000 and above $5,000.00 0.15 0.15 n/a
Share Draft $0-$499.99 $25.00 n/a n/a n/a
  $500.00-$4,999.99 $500.00 0.10 0.10 n/a
  $5,000 and above $5,000.00 0.20 0.20 n/a
Jumbo Shares $2,500-$10,000 $2,500 0.20 0.20 n/a
  $10,000 and above $10,000 0.30 0.30 n/a
IRA Share Account $0-$499.99 $100 n/a n/a n/a
  $500-$4,999.99 $500.00 0.30 0.30 n/a
  $5,000 and above $5,000.00 0.50 0.50 n/a
HSA Club Account $0-$499.99 $100 n/a n/a n/a
  $500-$4,999.99 $500.00 0.30 0.30 n/a
  $5,000 and above $5,000.00 0.50 0.50 n/a
Vacation Club/Santa Savings $0-$499.99 $25.00 0.05 0.05 n/a
  $500-$4999.99 $500.00 0.15 0.15 n/a
  $5000 & above $5,000.00 0.25 0.25 n/a
Palmetto Checking Account $0-$499.99 $0 n/a n/a n/a
  balance $500-$4,999.99 .10 .10 n/a
  $5,000 and above .20 .20 n/a
Money Market Checking $0- $2,499.99 $2500 n/a n/a n/a
  $2,500- $9999.99 $2500 0.10 0.10 n/a
  $10,000- $24,999.99 $10,000.00 0.20 0.20 n/a
  $25.000 & above $25,000.00 0.30 0.30 n/a

*The dividend rate and annual percentage yield are accurate as of 01/01/2018 and may change at any time without prior notice. Excess withdrawal fees could reduce earnings on account.

Certificates Minimum Deposit Dividend Rate* Annual Percentage Yield* Term
6 Month Share Certificate $1,000 0.25 0.25 6
1 Year Share Certificate $1,000 0.35 0.35 12
18 Months Share Certificate $1,000 0.45 0.45 18
2 Years Share Certificate $1,000 0.50 0.50 24
3 Years Share Certificate $1,000 0.70 0.70 36
6 Month IRA Share Certificate $1, 000 0.30 0.30 6
1 Year IRA Share Certificate $1,000 0.40 0.40 12
18 Month IRA Certificate $1,000 0.50 0.50 18
2 Years IRA Share Certificate $1,000 0.60 0.60 24
3 Years IRA Share Certificate $1,000 0.80 0.80 36

*The dividend rate and annual percentage yield are accurate as of 01/01/2018. Contact the Credit Union for more information about rates and fees. Substantial penalty for early withdrawal of certificates.

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