Disclosure:

APR = Annual Percentage Rate

*Prime plus margin. Introductory rate good for 12 months based on credit score. Rates as low as 12.50% variable APR based on your credit worthiness. APR effective 04/15/2025. Other fees may include: Cash Advance Fee of 2% of the cash advance of $5.00 minimum. $90 maximum; Foreign Transaction Fee of 1% of transaction in U.S. Dollars; Returned Payment Fee of up to $20; Late Payment Fee of 10% of the outstanding balance of maximum of $10. Programs, rates, terms and conditions subject to change without notice. The rate may vary depending on each individual's credit experience. All loans subject to credit approval. Credit Union membership is required. Members must maintain a $5 deposit relationship.

**When you place a lock on your credit card via Online Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. Any virtual cards linked to the locked card will also be locked. However, the lock may not stop card transaction presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Additionally, transactions that occurred prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen. Data connection required. Wireless carrier fees may apply.