¹APY = Annual Percentage Yield. 4.50% APY applies to balances up to $25,000 in Free Rewards Checking when monthly qualification requirements are met. Balances over $25,000 earn 0.10% APY. Rates subject to change without notice. Fees may reduce earnings.

²Direct Deposit availability may vary by employer or payroll provider. SCU may make funds available up to two days before scheduled payment date; early access is not guaranteed.

³Auto Loan APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and based on creditworthiness.

⁴ APR= Annual Percentage Rate. The lowest rate is displayed. Credit worthiness determines APR. HELOC Fixed Intro Rate as low as 3.99% APR valid for 6 months; after which it will change to the regular rate (currently as low as 7.50% to a maximum APR of 15.00%). “Regular” rate after intro rate is variable.

• • Index: The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of the day of any APR adjustment. APR assumptions are based on a line amount of $25,000.

• • Rate changes: The annual percentage rate can change on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one-year period. The maximum APR that can apply is 15.00% or the maximum permitted by law, whichever is less. The minimum APR is based on your credit worthiness. Please contact the credit union for your qualifying minimum rate and margin.

• • Borrower fee reimbursement: Up to $750 fee reimbursement paid by the borrower if equity loan or line paid off or closed within the first 36 months.

• • Property insurance: You must carry insurance on the property that secures this plan. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance if it is available.

• • Other conditions: All loans are subject to property valuation, limited to one to four unit owner occupied properties located in the state of California and exclude manufactured and mobile homes. Other restrictions on property may apply. Loan secured by your home other than your first mortgage must be paid at time of account funding. Rates, APR and terms and conditions subject to change without notice.

⁵ APY=Annual Percentage Yield. $500 minimum for IRA Certificates. $1,000 minimum for Share Certificates. Rates and terms are subject to change. A penalty may be imposed for withdrawals before maturity. The 7-month certificate will automatically renew to a 6-month term upon maturity. The 15-month certificate will automatically renew to a 12-month term upon maturity.

⁶ APY=Annual Percentage Yield. Money Market requires $2,500 to open. Premium Money Market requires $50,000 to open. Savings Account requires $25 to open. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.

All loans subject to approval. Membership required.