Savings Account as of 09/26/16

Savings Interest Rates	Interest Rate	Annual Percentage Yield (APY)
Regular 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%

Preferred Checking Account as of 09/26/16

Checking 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 09/26/16

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 09/26/16

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	0.10%	0.10%
$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 09/26/16

Enter your CD balance to determine REWARDS points needed for a bonus rate**. $
CD Rates	Annual Percentage Yield (APY)	.25% bonus**	.50% bonus**
3 Month Certificate 3 Month Certificate	0.25%	0.50% using  pts	0.75% using  pts
6 Month Certificate 6 Month Certificate	0.35%	0.60% using  pts	0.85% using  pts
12 Month Certificate 12 Month Certificate	0.45%	0.70% using  pts	0.95% using  pts
24 Month Certificate 24 Month Certificate	0.65%	0.90% using  pts	1.15% using  pts
36 Month Certificate 36 Month Certificate	0.90%	1.15% using  pts	1.40% using  pts
48 Month Certificate 48 Month Certificate	1.11%	1.36% using  pts	1.61% using  pts
60 Month Certificate 60 Month Certificate	1.31%	1.56% using  pts	1.81% using  pts
Early withdrawal of Certificate of Deposit is subject to penalty.

Vehicle Loans as of 09/01/2016

Loan Type	Annual Percentage Rate (APR)	APR 1400 RR	APR 3500 RR
New Vehicle	starting at 2.20%	starting at 2.10%	starting at 1.95%
Used Vehicle	starting at 2.45%	starting at 2.35%	starting at 2.20%
New Motorcycle	starting at 6.80%	starting at 6.70%	starting at 6.55%
Used Motorcycle	starting at 7.10%	starting at 7.00%	starting at 6.85%
New RV	starting at 5.80%	starting at 5.70%	starting at 5.55%
Used RV	starting at 6.10%	starting at 6.00%	starting at 5.85%
New Boat	starting at 5.80%	starting at 5.70%	starting at 5.55%
Used Boat	starting at 6.10%	starting at 6.00%	starting at 5.85%
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 09/01/2016.

Mortgage as of 09/28/16

Mortgage Type	Interest Rate	APR	Points
Conventional 30 Year Fixed Rate	3.250%*	3.381%*	.764
Conventional 20 Year Fixed Rate	3.000%*	3.134%*	.334
Conventional 15 Year Fixed Rate	2.500%*	2.693%*	.484
Conventional 10 Year Fixed Rate	2.375%*	2.707%*	.727
Adjustable 10 Year Adjustable Rate	3.000%*	3.204%*	.462
Adjustable 7 Year Adjustable Rate	2.750%*	3.135%*	.596
Adjustable 5/5 ARM	2.750%*	3.194%*	.626
Adjustable 5 Year Adjustable Rate	2.625%*	3.151%*	.626
Adjustable 3 Year Adjustable Rate	2.625%*	3.244%*	.808
Retire Your Mortgage Retire Your Mortgage 16-20 Years	3.500%*	3.637%*	.334
Retire Your Mortgage Retire Your Mortgage 13-15 Years	3.000%*	3.195%*	.484
Retire Your Mortgage Retire Your Mortgage 9-12 Years	2.875%*	3.157%*	.727
Retire Your Mortgage Retire Your Mortgage 5-8 Years	2.625%*	3.036%*	.727
Freedom Mortgage 30 Year No Closing Cost	3.750%*	3.885%*	.764
Freedom Mortgage Freedom Mortgage 20	3.500%*	3.637%*	.334
Freedom Mortgage Freedom Mortgage 15	3.000%*	3.195%*	.484
Freedom Mortgage Freedom Mortgage 10	2.875%*	3.157%*	.727
Jumbo Mortgage 30 Year Fixed Rate	3.250%*	3.332%*	.764
Jumbo Mortgage 20 Year Fixed Rate	3.000%*	3.066%*	.334
Jumbo Mortgage 15 Year Fixed Rate	2.500%*	2.606%*	.484
Jumbo Mortgage 10 Year Fixed Rate	2.375%*	2.580%*	.727
Construction 30 Year Construction Loan	3.500%*	3.718%*	.764
Construction 20 Year Construction Loan	3.250%*	3.503%*	.334
Construction 15 Year Construction Loan	2.750%*	3.093%*	.484
Construction 10 Year Construction Loan	2.625%*	3.176%*	.727
Construction 10/1 ARM Construction Loan	3.250%*	3.440%*	.462
Construction 7/1 ARM Construction Loan	3.000%*	3.325%*	.596
Construction 5/5 ARM Construction Loan	3.000%*	3.356%*	.626
Construction 5/1 ARM Construction Loan	2.875%*	3.307%*	.626
Construction 3/1 ARM Construction Loan	2.875%*	3.369%*	.808

*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 09/01/2016

Loan Type	APR*	APR* 1400 RR	APR* 3500 RR
G.O.O.D. Loan (Get Out Of Debt)	starting at 7.79%	starting at 7.69%	starting at 7.54%
Personal Loan	starting at 8.60%	starting at 8.50%	starting at 8.35%
Personal Line of Credit	starting at 8.50%	starting at 8.40%	starting at 8.25%

Business Savings Account as of 09/26/16

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

Business Money Market as of 09/26/16

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	0.15%	0.15%
$250,000.00 - $999,999.99	0.25%	0.25%
$1,000,000.00 - $2,499,999.99	0.35%	0.35%
$2,500,000.00 - $999,999,999.99	0.35%	0.35%

Business Certificate of Deposit as of 09/26/16

Savings Interest Rates	Interest Rate	Annual Percentage Yield (APY)
3 Month Business Certificate	0.15%	0.15%
6 Month Business Certificate	0.15%	0.15%
12 Month Business Certificate	0.25%	0.25%
24 Month Business Certificate	0.45%	0.45%
36 Month Business Certificate	0.70%	0.70%
48 Month Business Certificate	0.90%	0.90%
60 Month Business Certificate	1.10%	1.11%
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.