Rates

Savings Rates

Primary Savings

Balance	APY*
$49.99-$499.99	0.01%
$500-$4,999.99	0.01%
$5000-$9,999.99	0.01%
$10,000+	0.01%

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	0.05%
$100,000-$249,999	0.16%
$250,000+	0.40%

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*
$0-$2,499	0.00%
$2,500-$24,999	0.01%
$25,000-$49,999	0.03%
$50,000-$99,999	0.08%
$100,000+	0.32%

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	0.05%
$2,500+	0.02%

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	2.53%
$15,000.01+	0.01%****

*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

****Rate corresponds to the rate associated with a primary savings account

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

Vista Relationship Checking

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

Rates subject to change.
* Annual Percentage Yield

Certificate Rates

Certificate of Deposit

Term	Balance	APY*
6 Mos.	$500-$9,999	0.09%
	$10,000+	0.10%
12 Mos.	$500-$9,999	0.18%
	$10,000+	0.20%
18 Mos.	$500-$9,999	0.28%
	$10,000+	0.29%
24 Mos.	$500-$9,999	0.36%
	$10,000+	0.37%
36 Mos.	$500-$9,999	0.42%
	$10,000+	0.43%
48 Mos.	$500-$9,999	0.47%
	$10,000+	0.49%
60 Mos.	$500-$9,999	0.54%
	$10,000+	0.55%
13 Mos. Special	$0.01+	0.50%
29 Mos. Special	$0.01+	1.19%

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*
6 Mos.	0.10%
12 Mos.	0.20%
24 Mos.	0.37%
36 Mos.	0.43%
48 Mos.	0.49%
60 Mos.	0.55%
13 Mos. Special	0.50%
29 Mos. Special	1.19%

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

Loan Rates

Automobiles

Vehicle Year	Rate as low as	Term
2018 and Newer	2.70% APR*	66 Mos.
2013-2017	2.95% APR*	66 Mos.
2012 and Older	5.03% APR*	60 Mos.

Rates subject to change.
*Annual Percentage Rate.