Loan & Deposit Rates Share Certificates, Auto Loans, Mortgage Loans, and more.

Loan Rates

Auto Loan Purchase — Cars, Trucks, SUVs, Motorcycles

Auto Loan Rates - Cars, Trucks, SUVs and Motorcycles
Term	APR¹ As Low As	Monthly Payment
36 months	2.99%³	$436.15
48 months	3.74%	$336.94
60 months	4.24%	$277.88
72 months	4.74%	$239.77
84 months	6.24%	$220.86
Accurate as of 10/07/2019¹

Rates includes a 1% discount when registered to Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically.

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Auto Loan Refinance — Cars, Trucks, SUVs, Motorcycles

Auto Loan Refinance Rates - Cars, Trucks, SUVs and Motorcycles
Term	APR¹	Monthly Payment
36 months	3.24%	$437.81
48 months	3.74%	$336.94
60 months	4.24%	$277.88
72 months	4.74%	$239.77
84 months	6.24%	$220.86
Accurate as of 9/23/2019

Rates includes a 1% discount when registered to Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically.

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Recreational Loans — ATV/UTVs, Personal Watercraft, Snowmobiles

Recreational Loan Rates for ATVs, UTVs, Personal Watercraft and Snowmobiles
Term	APR¹	Monthly Payment
36 months	5.24%	$150.39
48 months	5.74%	$116.83
60 months	6.24%	$97.22
72 months	6.74%	$84.62
84 months	8.24%	$78.53
Accurate as of 4/15/2019

Rates includes a 1% discount when registered to Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically.

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Recreational Loans — Boats, Campers, RVs

Recreational Loan Rates for Boats, Campers, and RVs
Model Year	Min. Loan Amt.	Max. Term	APR²	Monthly Payment
2015 and newer	$5,000	60 months	5.75%	$96.08
	$15,000	120 months	5.99%	$166.46
	$20,000	144 months	6.50%	$200.38
	$20,000	180 months	6.75%	$176.98
2011-2014	$5,000	60 months	6.25%	$97.25
2011-2014	$15,000	120 months	6.75%	$172.24
2010 or older	$5,000	60 months	6.99%	$98.98
Accurate as of 4/15/2019

Rates includes a 1% discount when registered to Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically.

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Personal Loans and Lines of Credit

Personal Loan and Line of Credit Rates
Type	APR As Low As	Monthly Payment¹
Secured	3.24%²	$180.76
Unsecured	7.99%⁷	$202.72
Personal Line of Credit (FlexPlus)	9.24%³	$209.97
Personal Line of Credit (Flex)	10.74%⁴	$217.37
Savings Secured Loan	4.00%⁵	$184.17
Accurate as of 10/31/2019

Secured and Unsecured Personal Loan rates includes a 1% discount when registered to Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Personal and Overdraft Protection Lines of Credit are excluded from rate discounts.

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Mortgage Loans

Mortgage Loan Rates
Term	Rate	APR¹	Monthly Payment¹
30-year fixed	3.500%	3.532%	$449.04
20-year fixed	3.375%	3.420%	$573.56
15-year fixed	3.000%	3.058%	$690.58
3/3 ARM	3.625%	4.601%	$456.05²
5/1 ARM	4.000%	4.260%	$477.42²
7/3 ARM	4.500%	4.586%	$506.69²
12-year fixed / Rapid Refi	4.750%	4.795%	$912
10-year fixed / Rapid Refi	4.500%	4.553%	$1036
8-year fixed / Rapid Refi	4.250%	4.315%	$1036
Accurate as of 1/23/2020¹ Rates subject to change without notice

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Home Equity Loans & Home Equity Lines of Credit (HELOC)

Home Equity Loan Rates
Product	Rates as low as	APR^**
Home Equity Loan	4.49%	4.615%¹
Home Equity Line of Credit (HELOC)	N/A	3.49%²
Interest-Only HELOC	N/A	3.49%³
5/1 Adjustable-Rate Mortgage (ARM)	4.99%	5.013%⁴
Accurate as of 4/15/2019

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Credit Cards

Credit Cards
Type	APR
Connexus Credit Cards	Call 800.845.5025

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Loan Rates Disclosures

APR = Annual Percentage Rate. All rates are subject to change and may vary based on your individual credit, term, and relationship level. Please call 800.845.5025 for terms and conditions.

Fee Schedule
Account Information Disclosure

Deposit Rates

Share Certificates

Share Certificate Rates
Amount	Term	APY
$5,000 and over	12 months	2.01%¹
$5,000 and over	24 months	2.21%¹
$5,000 and over	36 months	2.31%¹
$5,000 and over	42 months	2.31%¹ (42 month renewals only)
$5,000 and over	60 months	2.41%¹
Accurate as of 11/27/2019¹

Yields are established when certificate is opened and remain in effect until end of current certificate term. Yields subject to change.

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Checking

Checking Account Rates
Account	APY
Xtraordinary Checking	1.75%¹
Teen Checking	2.00%²
Accurate as of 12/31/2019^1,2

Yields subject to change and will be finalized on the last day of the dividend period.

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Savings

Savings Account Rates
Account	APY¹
Savings Accounts	0.25%
Holiday Club Accounts	0.25%
Youth Savings Accounts	0.25%
Accurate as of 4/15/2019

Yields subject to change and will be finalized on the last day of the dividend period.

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Money Market Accounts

Money Market Account Rates
Balance	APY¹
$100,000 and over	1.15%
$50,000 to $99,999.99	1.00%
$20,000 to $49,999.99	0.75%
$10,000 to $19,999.99	0.60%
$1,000 to $9,999.99	0.50%
$0 to $999.99	0.00%
Accurate as of 4/15/2019

Yields subject to change and will be finalized on the last day of the dividend period. Yields require active checking^**.

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Health Savings Accounts (HSA)

Health Savings Account (HSA) Rates
Balance	APY²
$15,000 and over	2.00%
$5,000 to $14,999.99	1.50%
$2,500 to $4,999.99	1.00%
$500 to $2,499.99	1.00%
$100 to $499.99	0.50%
$0 to $99.99	0.00%
Accurate as of 4/15/2019