The annual percentage yield, the annual percentage yield earned, and the dividend rates are rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places. Examples of this rounding are an annual percentage yield calculated to be 5.644%, rounded down and shown as 5.64%; 5.645% would be rounded up and disclosed as 5.65%.

IRA/Roth Share Certificates are not offered for terms of less than six months.
Lending rates are subject to change without notice. Rates shown are "as low as."

¹ Dividends will be compounded daily and will be credited to your account every month. Rates are not guaranteed and are subject to change without notice.
² APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.
³ You are required to maintain a minimum balance of $25.00 in your Primary Share Savings account to keep your membership active and maintain other accounts.
⁴ You must maintain a minimum balance of $25 in your Primary Share Savings account to maintain your accounts. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed dividends.
⁵ You must maintain a minimum balance of $25 in your Primary Share Savings account to maintain your accounts. This account does not earn dividends.
⁶ You must maintain a minimum balance of $25 in your Primary Share Savings account to maintain your accounts. Dividend rate applies to balances up to and including $1000.00. Balances of $1,000.01 and above will earn the same dividend rate as our Primary Share Savings account.
⁷ Fees may reduce earnings. All certificates are subject to an early withdrawal penalty. Dividends will be compounded daily and will be credited to your account monthly.
⁸ APY = Annual Percentage Yield. All certificates are subject to an early withdrawal penalty. Fees may reduce earnings. Rate subject to change without notice.

“Conforming” loan amounts are less than or equal to $726,200; $1,089,300 in AK and HI. “Jumbo” loan amounts are greater than $726,200; $1,089,300 in AK and HI.

0 point pertains to the "Origination Point Fee" and there may be other loan level pricing adjustment (LLPA) costs that still apply. These can be affected by the applicant's loan-to-value, credit score, cash-out, occupancy status, and other factors.

Rate Assumptions

• Annual Percentage Rates (APR) are calculated based on a loan amount of $726,200 for conforming loans, $726,201 for Jumbo loans. The amortization term for Adjustable Rate Mortgage (ARM) programs is 30-years.
• Rates shown are for a credit score of 740 or better, purchase, one unit, owner-occupied property on a 45 day lock, based on an 80% or less loan to value ratio. Your rate may be different.
• If down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the APR.
• For adjustable-rate mortgages (ARMs), rates are subject to increase after consummation.
• For the 7/6 months, 5/6 months, and 3/6 months ARM programs the interest rate is fixed for the initial 7, 5, or 3 years. After the initial fixed period, the rate will adjust every six months for the remaining term.
• Other amortization terms available.
• Not all borrowers will qualify for all rates. Rates and terms are subject to change without notice. Limited to owner-occupied, one-to-four family units. Other restrictions on property may apply. Property insurance required. Flood insurance may be required.
• Rates subject to change daily.
• Rates are not guaranteed until locked.
• Click here for the interest rate cap table.

¹ APR = Annual Percentage Rate. Rates are subject to credit approval. APRs based on factors including credit type, loan term, and credit worthiness/score. Loan terms are based on various factors including amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates are subject to change without notice.

² APR is equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.00%.

Loan payment example: Personal Loan: $31.16 per month per $1,000 borrowed at 7.60% APR for 36 months

* APR=Annual Percentage Rate. Your actual rate will depend on creditworthiness. Rates shown are "as low as." Rates are subject to change without notice. Credit Cards offered through Elan Financial. See Platinum Terms and Conditions.

Rates shown are "as low as." Rates are subject to change without notice.

¹ Annual Percentage Rates (APR) is calculated based on a loan amount $50,000 for Home Equity loans. For Home Equity Loans Rate is fixed for the term of the loan. Actual rate is based on the loan-to-value and the borrower's credit score at the time of origination. Home Equity Loans in TX available up to 80% LTV Maximum.
² Credit limit based on your creditworthiness. Please contact the credit union for the minimum and maximum loan amounts for the various Combined Loan-to-Values (CLTVs).
³ Rate shown is based on a Combined Loan-to-Value (CLTV) of 80% or less. Rate will increase based on a CLTV greater than 80%. For Home Equity Lines of Credit the rate is variable and based on the Prime Rate as published in the "Money Rates" section of the Wall Street Journal, plus a margin. The margin is based on loan-to-value and borrower(s) credit score at time of origination. The maximum annual percentage rate in a variable rate plan is 18%.

* Taxes and insurance not included, your actual payment obligation may be higher.

No fees are imposed for opening a Home Equity Line of Credit. If the account is closed within three years of opening, early closure fees will be added to the Account Balance in the amount of $500 for credit lines up to $100,000 and $700 for credit lines above $100,000. Early closure fees are not assessed where prohibited by state law or when the account is closed as part of a Spectrum Credit Union refinance.

Property insurance is required. Flood insurance may be required. Rates, APR, terms and conditions are subject to change without notice.