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Savings Account as of 07/25/16

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 07/25/16

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 07/25/16

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 07/25/16

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 07/25/16

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 0.25% 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 07/01/2016

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 07/01/2016.

Mortgage as of 07/27/16

Mortgage Type Interest Rate APR Points
Conventional
30 Year Fixed Rate
3.375%* 3.481%* .444
Conventional
20 Year Fixed Rate
3.250%* 3.408%* .537
Conventional
15 Year Fixed Rate
2.625%* 2.818%* .482
Conventional
10 Year Fixed Rate
2.500%* 2.885%* .977
Adjustable
10 Year Adjustable Rate
3.000%* 3.221%* .684
Adjustable
7 Year Adjustable Rate
2.750%* 3.146%* .73
Adjustable
5/5 ARM
2.750%* 3.203%* .734
Adjustable
5 Year Adjustable Rate
2.625%* 3.159%* .734
Adjustable
3 Year Adjustable Rate
2.625%* 3.249%* .863
Retire Your Mortgage
Retire Your Mortgage 16-20 Years
3.750%* 3.911%* .537
Retire Your Mortgage
Retire Your Mortgage 13-15 Years
3.125%* 3.321%* .482
Retire Your Mortgage
Retire Your Mortgage 9-12 Years
3.000%* 3.328%* .977
Retire Your Mortgage
Retire Your Mortgage 5-8 Years
2.750%* 3.227%* .977
Freedom Mortgage
30 Year No Closing Cost
3.875%* 3.984%* .444
Freedom Mortgage
Freedom Mortgage 20
3.750%* 3.911%* .537
Freedom Mortgage
Freedom Mortgage 15
3.125%* 3.321%* .482
Freedom Mortgage
Freedom Mortgage 10
3.000%* 3.328%* .977
Freedom Mortgage
Freedom Mortgage 5
2.625%* 3.188%* .535
Jumbo Mortgage
30 Year Fixed Rate
3.375%* 3.432%* .444
Jumbo Mortgage
20 Year Fixed Rate
3.250%* 3.340%* .537
Jumbo Mortgage
15 Year Fixed Rate
2.625%* 2.731%* .482
Jumbo Mortgage
10 Year Fixed Rate
2.500%* 2.758%* .977
Construction
30 Year Construction Loan
3.625%* 3.818%* .444
Construction
20 Year Construction Loan
3.500%* 3.779%* .537
Construction
15 Year Construction Loan
2.875%* 3.219%* .482
Construction
10 Year Construction Loan
2.750%* 3.357%* .977
Construction
10/1 ARM Construction Loan
3.250%* 3.458%* .684
Construction
7/1 ARM Construction Loan
3.000%* 3.336%* .73
Construction
5/5 ARM Construction Loan
3.000%* 3.364%* .734
Construction
5/1 ARM Construction Loan
2.875%* 3.316%* .734
Construction
3/1 ARM Construction Loan
2.875%* 3.374%* .863

*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 07/01/2016

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 07/25/16

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

Business Money Market as of 07/25/16

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 07/25/16

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.