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18 – Month Investment Certificate Special1

Term Minimum Balance* APY**
18 - Month $1,000 2.75%

Investment Certificate

Term Minimum Balance* APY**
6 - Month $1,000 1.20%
6 - Month $20,000 1.25%
6 - Month $100,000+ 1.25%
12 - Month $1,000 1.95%
12 - Month $20,000 2.00%
12 - Month $100,000+ 2.00%
24 - Month $1,000 2.30%
24 - Month $20,000 2.35%
24 - Month $100,000+ 2.35%
36 - Month $1,000 2.35%
36 - Month $20,000 2.40%
36 - Month $100,000+ 2.40%
60 - Month $1,000 2.75%
60 - Month $20,000 2.80%
60 - Month $100,000+ 2.80%

Money Market Maximizer

Minimum Balance Term APY**
$0 - $1,999 N/A 0.15%
$2,000 - $4,999 N/A 0.15%
$5,000 - $9,999 N/A 0.15%
$10,000 - $24,999 N/A 0.40%
$25,000 - $49,999 N/A 0.50%
$50,000 - $99,999 N/A 0.60%
$100,000 - and over N/A 0.70%

IRA CD

Term Minimum Balance* APY**
6 - Month $1,000 1.20%
6 - Month $20,000 1.25%
6 - Month $100,000+ 1.25%
12 - Month $1,000 1.95%
12 - Month $20,000 2.00%
12 - Month $100,000+ 2.00%
24 - Month $1,000 2.30%
24 - Month $20,000 2.35%
24 - Month $100,000+ 2.35%
36 - Month $1,000 2.35%
36 - Month $20,000 2.40%
36 - Month $100,000+ 2.40%
60 - Month $1,000 2.75%
60 - Month $20,000 2.80%
60 - Month $100,000+ 2.80%

Certificate/Money Market Disclosures

Rates effective as of November 5, 2018.
A minimum initial deposit of $1,000 is required.
*A minimum $5 balance in Share Savings required to be eligible for 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.
Click here to view the most current dividend rate and investment certificate disclosures
1Special Offer valid as of 11/5/18 and subject to change without notice. Must be a TruWest member with a minimum $5 deposit. Minimum certificate balance of $1,000 and maximum balance of $50,000. $50,000 maximum balance per primary membership. Additional restrictions may apply. Automatic renewal to 12-month term at the current dividend rate in effect at the time of renewal. A penalty may be imposed for early withdrawal. Fees could reduce earnings. Standard terms and conditions apply. Please call 1 (855) 878-9378 for further details. TruWest reserves the right to end or modify this offer at any time. APY is Annual Percentage Yield.

New/Used Auto

Terms (Months) APR*
0 - 63 4.15% - 16.65%
64 - 75 4.39% - 9.75%
76 - 84 4.65% - 8.74%

New/Used Motorcycle

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

New Marine and Personal Watercraft

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

Used Marine and Personal Watercraft

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

New Quad

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

Used Quad

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

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%

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%

Auto Disclosures

Rates effective as of May 23, 2018.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.

Share Savings

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

Youth Savings

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

Select Savings

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

IRA Savings

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

Christmas Club

Minimum Balance* Term APY**
N/A N/A 0.15%

Rates effective as of November 1, 2018

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Choice

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

OTG Checking

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

Advantage 55

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

Savings/Checking Disclosures

Rates effective as of March 1, 2018 (except for Christmas Club)
Click here to view the most current consumer fee schedule
*A minimum $5 balance in Share Savings required to be eligible for 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.

Credit Cards

Type APR*
Visa Signature 9.90%- 10.90%
Visa Platinum 7.95% - 21.95%
Visa Platinum Points 9.90% - 16.90%

Credit Card Disclosures

Rates effective as of September 27, 2018.
New Accounts Only.
*APR=Annual Percentage Rate.


Personal Credit Line

Type APR*
Personal Credit Line 12.75% - 17.00%

Other Disclosures

Rates effective as of September 27, 2018.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.

Online Banking Maintenance

Online banking will be experiencing intermittent availability from 9:30 p.m., Saturday, November 24, through 2:00 p.m., Sunday, November 25, as we perform routine maintenance.