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Share Savings

Minimum Balance* Term APY**
$0 - $1,999.99 N/A 0.05%
$2,000 - $4,999 N/A 0.05%
$5,000 or more N/A 0.10%

Effective as of March 1, 2017
*A minimum $5 Balance in Share Savings is required to be eligible for other services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1 (855) 878-9378 for terms and conditions.

Youth Savings

Minimum Balance Term APY
$0 - $1,999.99 N/A 0.05%
$2,000 - $4,999 N/A 0.05%
$5,000 or more N/A 0.10%

Effective as of March 1, 2017

*A minimum $5 Balance in Share Savings is required to be eligible for other services.
**Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1.855.TRUWEST (878.9378) for terms and conditions.

Select Savings

Minimum Balance* Term APY**
$0 - $1,999.99 N/A 0.05%
$2,000 - $4,999 N/A 0.05%
$5,000 or more N/A 0.10%

Effective as of March 1, 2017
*A minimum $5 Balance in Share Savings is required to be eligible for other services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1 (855) 878-9378 for terms and conditions.

Money Market Maximizer

Minimum Balance Term APY*
$0 - $1,999 N/A 0.10%
$2,000 - $4,999 N/A 0.10%
$5,000 - $9,999 N/A 0.10%
$10,000 - $24,999 N/A 0.15%
$25,000 - $49,999 N/A 0.25%
$50,000 - $99,999 N/A 0.25%
$100,000 - and over N/A 0.35%

Effective as of April 1, 2017.
A minimum initial deposit of $1,000 is required.
*APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.
A minimum $5 balance in Share Savings required to be eligible for Services.

Investment Certificate

Minimum Balance Term APY*
$1,000 3 - Month 0.20%
$20,000 3 - Month 0.25%
$100,000+ 3 - Month 0.25%
$1,000 6 - Month 0.60%
$20,000 6 - Month 0.65%
$100,000+ 6 - Month 0.65%
$1,000 12 - Month 0.75%
$20,000 12 - Month 0.80%
$100,000+ 12 - Month 0.80%
$1,000 24 - Month 1.15%
$20,000 24 - Month 1.20%
$100,000+ 24 - Month 1.20%
$1,000 36 - Month 1.35%
$20,000 36 - Month 1.40%
$100,000+ 36 - Month 1.40%
$1,000 60 - Month 1.70%
$20,000 60 - Month 1.75%
$100,000+ 60 - Month 1.75%

Effective as of August 23, 2017.
*APY=Annual Percentage Yield. APYs are based on daily compounding. APYs are current as of the dates on this chart and are subject to change. Call 1(855) 878-9378 for terms and conditions.
A penalty may be imposed for early withdrawal. Fees could reduce earnings.
A minimum $5 balance in Share Savings required to be eligible for Services.

IRA Savings

Minimum Balance Term APY*
N/A N/A 0.35%

Effective as of April 1, 2017.
*APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are are subject to change. Fees could reduce earnings. Call 1 (855) 878-9378 for terms and conditions.
A minimum $5 balance in Share Savings required to be eligible for Services.

IRA CD

Minimum Balance Term APY*
$1,000 3 - Month 0.20%
$20,000 3 - Month 0.25%
$100,000+ 3 - Month 0.25%
$1,000 6 - Month 0.60%
$20,000 6 - Month 0.65%
$100,000+ 6 - Month 0.65%
$1,000 12 - Month 0.75%
$20,000 12 - Month 0.80%
$100,000+ 12 - Month 0.80%
$1,000 24 - Month 1.15%
$20,000 24 - Month 1.20%
$100,000+ 24 - Month 1.20%
$1,000 36 - Month 1.35%
$20,000 36 - Month 1.40%
$100,000+ 36 - Month 1.40%
$1,000 60 - Month 1.70%
$20,000 60 - Month 1.75%
$100,000+ 60 - Month 1.75%

Effective as of August 23, 2017
*APY=Annual Percentage Yield. APYs are based on daily compounding. APYs are current as of the dates on this chart and are subject to change. Call 1(855) 878-9378 for terms and conditions.
A penalty may be imposed for early withdrawal. Fees could reduce earnings.
A minimum $5 balance in Share Savings required to be eligible for Services.

Christmas Club

Minimum Balance* Term APY**
N/A N/A 0.10%

Effective as of March 1, 2017
The annual dividend rate for Christmas Club accounts is set by the Board of Directors each November.
*A minimum $5 balance in Share Savings required to be eligible for Services.
**Annual Percentage Yield. APYs are based on monthly compounding. APYs are are subject to change. A penalty may be imposed for early withdrawal(s). Fees could reduce earnings. Call 1.855.TRUWEST (878.9378) for terms and conditions.

Choice

Minimum Balance Term APY*
$0.00 N/A 0.05%

Effective as of March 1, 2017.
*APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1 (855) 878-9378 for terms and conditions.
A minimum $5 balance in Share Savings required to be eligible for Services.

OTG Checking

Minimum Balance Term APY*
$0.00 N/A 0.00%

Effective as of March 1, 2017.
*APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1 (855) 878-9378 for terms and conditions.
A minimum $5 balance in Share Savings required to be eligible for Services.

Advantage 55

Minimum Balance Term APY*
$0.00 N/A 0.05%

Effective as of March 1, 2017.
*APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1 (855) 878-9378 for terms and conditions.
A minimum $5 balance in Share Savings required to be eligible for Services.

Opportunity

Minimum Balance Term APY
$0.00 N/A 0.00%

Effective as of March 1, 2017.
*Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1.855.TRUWEST (878.9378) for terms and conditions.
A minimum $5 balance in Share Savings required to be eligible for Services.

New Auto Vehicle

Term (Months) APR*
0 - 63 3.35% - 15.85%
64 - 75 3.59% - 8.95%
76 - 84 3.85% - 7.94%

Rates reflect a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued. Terms and conditions may apply.

Used Auto Vehicle

Term (Months) APR*
0 - 63 3.35% - 15.85%
64 - 75 3.59% - 8.95%
76 - 84 3.85% - 7.94%

Rates reflect a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued. Terms and conditions may apply.

Mortgage

Type Rate
Mortgage View Rates

Home Equity

Type Rate
Home Equity View Rates

New Motorcycle

Terms (Months) APR*
0 - 60 8.00% - 9.60%
61 - 72 8.50% - 10.10%

Rates reflect a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued.

Used Motorcycle

Terms (Months) APR*
0 - 60 8.00% - 9.60%
61 - 72 8.50% - 10.10%

Rates reflect a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued.

New Marine and Personal Watercraft

Terms (months) APR*
0 - 84 10.50% - 12.00%
85 - 120 8.00% - 10.75%

Marine & Personal Watercraft - new below rates reflect a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued.

Used Marine and Personal Watercraft

Term (months) APR*
0 - 84 11.00% - 12.50%
85 - 120 8.50% - 11.25%

Marine & Personal Watercraft - used below rates reflect a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued.

New Quad

Term (months) APR*
0 - 60 8.50% - 14.50%

Quad new below rates reflect a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued.

Used Quad

Term (months) APR*
0 - 60 8.50% - 15.00%

Quad used below rates reflect a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued.

New Recreational Vehicle

Term (Months) APR*
0 - 60 9.24% - 10.00%
61 - 84 7.24% - 8.00%
85 - 144 4.49% - 5.00%
145 - 180 4.24% - 5.00%

Rates reflect as a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued.

Used Recreational Vehicle

Terms (Months) APR*
0 - 60 9.74% - 10.50%
61 - 84 7.74% - 8.50%
85 - 144 4.99% - 5.50%
145 - 180 4.74% - 5.50%

Rates reflect as a 0.25% discount for auto transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Auto Transfer Payment is discontinued.

Personal Credit Line

Type APR*
Personal Credit Line 11.75% - 16.00%

Personal credit line below rates reflect a 0.25% discount for automatic transfer payment.
*APR is variable and may increase after the loan is booked.
*APR=Annual Percentage Rate. Rate will increase when Automatic Transfer Payment is discontinued.
This is the credit union's best rate. Your rate may be higher. The rate is determined by your individual credit worthiness and credit union parameters.

Signature Loan

Term (months) APR*
Up to 60 11.50% - 17.75%

Signature loan rates as low as: below rates reflect a .25% discount for automatic transfer payment.
*APR=Annual Percentage Rate. Rate will increase when Automatic Transfer Payment is discontinued.
Term 12 months per 1K up to maximum term of 60 months.

Visa Platinum

Type APR*
Visa Platinum 6.95% - 20.95%

*APR=Annual Percentage Rate.
New Accounts Only.

Visa Platinum Points

Type APR*
Visa Platinum Points 8.90% - 15.90%

*APR=Annual Percentage Rate.
New Accounts Only.

Visa Signature

Type APR*
Visa Signature 8.90% - 9.90%

*APR=Annual Percentage Rate.
New Accounts Only.

Visa Business Platinum Points

Type APR*
Visa Business Platinum Points As low as 9.90%

*APR=Annual Percentage Rate.
New Accounts Only.

As a reminder our branches will be closed November 23rd for Thanksgiving. We will resume normal hours for November 24th and 25th.