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Savings Account as of 08/31/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
Regular Savings 0.05% 0.05%
Secondary Savings 0.05% 0.05%
IRA Savings Account 0.25% 0.25%
Restricted Holiday Account 0.10% 0.10%
5K Savings 0.65% 0.65%

Interest Checking Account as of 08/31/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
$0.01 - $9,999.99 0.01% 0.01%
$10,000.00 - $24,999.99 0.02% 0.02%
$25,000.00 - $49,999.99 0.02% 0.02%
$50,000.00 - $9,999,999.99 0.03% 0.03%
Minimum to open Interest Checking — $25

Health Savings Account as of 08/31/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
$0.00 - $2,999.99 0.10% 0.10%
$3,000.00 - $4,999.99 0.15% 0.15%
$5,000.00 - $9,999.99 0.20% 0.20%
$10,000.00 - $999,999,999.99 0.25% 0.25%

Money Market as of 08/31/15

Money Market Rates Interest Rate Annual Percentage Yield (APY)
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.15% 0.15%
$50,000.00 - $99,999.99 0.15% 0.15%
$100,000.00 - $999,999,999.99 0.20% 0.20%
Premium Money Market Interest Rate Annual Percentage Yield (APY)
$0.00 - $9,999.99 0.00% 0.00%
$10,000.00 - $49,999.99 0.20% 0.20%
$50,000.00 - $99,999.99 0.25% 0.25%
$100,000.00 - $249,999.99 0.30% 0.30%
$250,000.00 - $999,999.99 0.30% 0.30%
$1,000,000.00 - $999,999,999.99 0.30% 0.30%
Minimum to open Money Market — $2,500
Minimum to open Premium Money Market — $10,000

Certificate of Deposit as of 08/31/15

Enter your CD balance to determine REWARDS points needed for a bonus rate**.
$
CD RatesAnnual Percentage Yield (APY).25% bonus**.50% bonus**
3 Month Certificate 3 Month Certificate 0.20% 0.45%
using  pts
0.70%
using  pts
6 Month Certificate 6 Month Certificate 0.30% 0.55%
using  pts
0.80%
using  pts
12 Month Certificate 12 Month Certificate 0.40% 0.65%
using  pts
0.90%
using  pts
24 Month Certificate 24 Month Certificate 0.60% 0.85%
using  pts
1.10%
using  pts
36 Month Certificate 36 Month Certificate 0.80% 1.05%
using  pts
1.30%
using  pts
48 Month Certificate 48 Month Certificate 1.01% 1.26%
using  pts
1.51%
using  pts
60 Month Certificate 60 Month Certificate 1.21% 1.46%
using  pts
1.71%
using  pts
Early withdrawal of Certificate of Deposit is subject to penalty.

Vehicle Loans as of 08/31/15

Loan Type Annual
Percentage Rate
(APR)
APR
2500 RR
APR
5000 RR
New Vehicle starting at
2.03%
starting at
1.78%
starting at
1.53%
Used Vehicle starting at
2.18%
starting at
1.93%
starting at
1.68%
New Motorcycle starting at
6.80%
starting at
6.55%
starting at
6.30%
Used Motorcycle starting at
7.10%
starting at
6.85%
starting at
6.60%
New RV starting at
5.80%
starting at
5.55%
starting at
5.30%
Used RV starting at
6.10%
starting at
5.85%
starting at
5.60%
New Boat starting at
5.80%
starting at
5.55%
starting at
5.30%
Used Boat starting at
6.10%
starting at
5.85%
starting at
5.60%

APR = Annual Percentage Rate

Your actual rate is based on your credit quality, down payment, loan term, and amount financed.
Discounted Rate: Rate discounts for automatic payment from a FAIRWINDS checking account will increase by .25% in the event payment is discontinued from a FAIRWINDS checking account. Any increase in the rate will result in more payments of the same amount until what you owe has been repaid.

Rates are current as of 08/31/15.

Mortgage as of 09/02/15

Mortgage Type Interest Rate APR Points
Conventional
30 Year Fixed Rate
3.875%* 3.989%* .534
Conventional
20 Year Fixed Rate
3.750%* 3.897%* .437
Conventional
15 Year Fixed Rate
3.000%* 3.251%* .889
Conventional
10 Year Fixed Rate
2.875%* 3.212%* .764
Adjustable
10 Year Adjustable Rate
3.375%* 3.275%* .953
Adjustable
7 Year Adjustable Rate
3.125%* 3.039%* .636
Adjustable
5/5 ARM
3.000%* 2.980%* .986
Adjustable
5 Year Adjustable Rate
2.875%* 2.936%* .986
Adjustable
3 Year Adjustable Rate
2.500%* 2.820%* .761
Retire Your Mortgage
Retire Your Mortgage 16-20 Years
4.250%* 4.399%* .437
Retire Your Mortgage
Retire Your Mortgage 13-15 Years
3.500%* 3.754%* .889
Retire Your Mortgage
Retire Your Mortgage 9-12 Years
3.375%* 3.662%* .764
Retire Your Mortgage
Retire Your Mortgage 5-8 Years
3.125%* 3.541%* .764
Freedom Mortgage
30 Year No Closing Cost
4.375%* 4.493%* .534
Freedom Mortgage
Freedom Mortgage 20 Years
4.250%* 4.399%* .437
Freedom Mortgage
Freedom Mortgage 15 Years
3.500%* 3.754%* .889
Freedom Mortgage
Freedom Mortgage 10 Years
3.375%* 3.662%* .764
Freedom Mortgage
Freedom Mortgage 5
3.000%* 3.443%* .262
Jumbo Mortgage
30 Year Fixed Rate
3.875%* 3.940%* .534
Jumbo Mortgage
20 Year Fixed Rate
3.750%* 3.829%* .437
Jumbo Mortgage
15 Year Fixed Rate
3.000%* 3.165%* .889
Jumbo Mortgage
10 Year Fixed Rate
2.875%* 3.088%* .764
Construction
30 Year Construction Loan
4.125%* 4.330%* .534
Construction
20 Year Construction Loan
4.000%* 4.271%* .437
Construction
15 Year Construction Loan
3.250%* 3.656%* .889
Construction
10 Year Construction Loan
3.125%* 3.685%* .764
Construction
10/1 ARM Construction Loan
3.625%* 3.543%* .953
Construction
7/1 ARM Construction Loan
3.375%* 3.260%* .636
Construction
5/5 ARM Construction Loan
3.250%* 3.169%* .986
Construction
5/1 ARM Construction Loan
3.125%* 3.120%* .986
Construction
3/1 ARM Construction Loan
2.750%* 2.956%* .761

*Rates may vary. Please click on the rate above to obtain the factors affecting the interest rate shown. Your actual rate will depend on various factors including, but not limited to, loan type, credit profile, property type, appraised value, occupancy, subordinate financing and loan size. Rates are updated daily. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM will be subject to tomorrow’s posted rates. Interest rate quotes are based on a credit score of 740 and a maximum loan-to-value of 60%. Discount points may apply. Rates are subject to change without notice.

Personal Loans 09/01/2015

Loan Type APR* APR*
2500 RR
APR*
5000 RR
G.O.O.D. Loan
(Get Out Of Debit)
starting at
7.74%
starting at
7.49%
starting at
7.24%
Personal Loan starting at
8.64%
starting at
8.39%
starting at
8.14%
Variable Personal Line of Credit* starting at
8.64%
starting at
8.39%
starting at
8.14%

Business Savings Account as of 08/31/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
Business Savings 0.05% 0.05%

Business Money Market as of 08/31/15

Money Market Rates Interest Rate Annual Percentage Yield (APY)
$0.00 - $4,999.99 0.00% 0.00%
$5,000.00 - $9,999.99 0.00% 0.00%
$10,000.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.10% 0.10%
$100,000.00 - $499,999.99 0.10% 0.10%
$500,000.00 - $999,999,999.99 0.10% 0.10%
Non-Profit Business Money Market Interest Rate Annual Percentage Yield (APY)
$0.00 - $4,999.99 0.00% 0.00%
$5,000.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.15% 0.15%
$50,000.00 - $99,999.99 0.15% 0.15%
$100,000.00 - $999,999,999.99 0.15% 0.15%
Premium Business Money Market Interest Rate Annual Percentage Yield (APY)
$0.00 - $24,999.99 0.00% 0.00%
$25,000.00 - $49,999.99 0.00% 0.00%
$50,000.00 - $249,999.99 0.10% 0.10%
$250,000.00 - $999,999.99 0.10% 0.10%
$1,000,000.00 - $2,499,999.99 0.15% 0.15%
$2,500,000.00 - $999,999,999.99 0.15% 0.15%

Business Certificate of Deposit as of 08/31/15

Savings Interest Rates Interest Rate Annual Percentage Yield (APY)
3 Month Business Certificate 0.10% 0.10%
6 Month Business Certificate 0.10% 0.10%
12 Month Business Certificate 0.20% 0.20%
24 Month Business Certificate 0.40% 0.40%
36 Month Business Certificate 0.60% 0.60%
48 Month Business Certificate 0.80% 0.80%
60 Month Business Certificate 1.00% 1.01%
Early withdrawal of Business Certificate of Deposit is subject to penalty.

APR: Annual Percentage Rate
APY: Annual Percentage Yield

Fees can reduce earnings on the account.

Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.