Rates

Savings Rates

Primary Savings

Balance	APY*
$50-$9,999.99	0.01%
$10,000-$24,999.99	0.02%
$25,000-$49,999.99	0.03%
$50,000+	0.05%

Rates subject to change.
* Annual Percentage Yield
Minimum balance of $25 required to maintain credit union membership.

Liquid Gold Savings

Balance	APY*
<$50,000	0.05%
$50,000-$99,999.99	0.10%
$100,000-$249,999.99	0.50%
$250,000+	1.75%

Rates subject to change.
$100,000 minimum average daily balance to avoid a monthly low balance fee of $15.
Dividends paid monthly on average daily balance.
*Annual Percentage Yield

Money Market

Balance**	APY*
$1,000-$14,999.99	0.05%
$15,000-$24,999.99	0.05%
$25,000-$74,999.99	0.10%
$75,000-$99,999.99	0.25%
$100,000+	2.00%

Rates subject to change.
* Annual Percentage Yield
**An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5.

Horizon Savings

Balance	APY*
$0-$2,499.99	0.15%
$2,500+	1.00%

Rates subject to change.
* Annual Percentage Yield

Rainbow Savings

Account	APY*
Rainbow Share	0.05%
Rainbow Roth IRA	0.05%
Rainbow Regular IRA	0.05%
Rainbow Educational IRA	0.05%

Rates subject to change.
$25 minimum monthly deposit required.
Dividends paid monthly on average daily balance.
Limited withdrawals.
* Annual Percentage Yield

Checking Rates

Panorama Checking

Average Daily Balance	Dividend APY*
$0-$15,000	4.00%
$15,000.01+	0.02%

*APY (Annual Percent Yield)

**Monthly requirements for dividend pay out:
- Have at least 10 debit card purchases of $5 or more posted in each statement cycle
- Receive e-statements
- Have at least one direct deposit

Rates subject to change. Dividends paid monthly on average daily balance.

Vista Relationship Checking

Tier	Average Daily Balance	APY*
Tier 1	$0-$9,999.99	0.01%
Tier 2	$10,000-$24,999.99	0.01%
Tier 3	$25,000-$49,999.99	0.01%
Tier 4	$50,000-$99,999.99	0.01%
Tier 5	$100,000+	0.02%

Rates subject to change.
* Annual Percentage Yield

Certificate Rates

Share Certificate

Term	Balance	APY*
3 Mos.	$500+	1.25%
6 Mos.	$500+	3.50%
12 Mos.	$500+	3.25%
18 Mos.	$500+	3.00%
24 Mos.	$500+	3.00%
36 Mos.	$500+	3.00%
48 Mos.	$500+	2.75%
60 Mos.	$500+	2.75%

Rates subject to change.
* Annual Percentage Yield.

IRA Savings

Balance	APY*
No Minimum	0.05%

Rates subject to change.
*Annual Percentage Yield

Traditional & ROTH IRA

Term	APY*
3 Mos.	1.25%
6 Mos.	3.50%
12 Mos.	3.25%
18 Mos.	3.00%
24 Mos.	3.00%
36 Mos.	3.00%
48 Mos.	2.75%
60 Mos.	2.75%

Rates subject to change.
$500 minimum deposit amount.
* Annual Percentage Yield

Loan Rates

Automobiles

Vehicle Year	Rate as low as	Term
2025 and Newer	5.79% APR*	24-36 Mos.
2019-2024	5.94% APR*	24-36 Mos.
2016-2018	7.57% APR*	24-36 Mos.

Rates subject to change.
*Annual Percentage Rate.