SAVINGS ACCOUNTS Minimum To Open Dividend Rate APY *
Regular Savings ` ^^^ $5 0.100% 0.10%
eSavings ` $5 0.100% 0.10%
Club Account ^ *** $5 0.100% 0.10%
* APY = Annual Percentage Yield
` Fees may reduce earnings on account.
^ Funds automatically transferred to Primary Savings account upon maturity; Dividends compounded monthly.
^^^ Minimum average daily balance required to earn dividends is $200. Dividends compounded and paid monthly.
*** Substantial penalty for early withdrawal. Please refer to our Consumer Share Rates and Truth-In-Savings Disclosure.

CHECKING ACCOUNTS Minimum To Open Dividend Rate APY *
FREE Checking $25 0.000% 0.00%
eChecking ` ^^ $25 0.050% 0.05%
Premier Checking ` $2,000 0.050% 0.05%
Right Start Checking $25 0.000% 0.00%
* APY = Annual Percentage Yield
` Fees may reduce earnings on account.
^^ Average daily balance to earn dividends is $1,000. Dividends paid monthly. Please refer to our "Truth In Savings and Electronic Services Disclosure and Agreement" for specific details about any account.

MONEY MARKET ACCOUNT ** Dividend Rate APY *
$100,000 + 0.449% 0.45%
$50,000 - $99,999 0.399% 0.40%
$10,000 - $49,999 0.349% 0.35%
$2,500 - $9,999 0.300% 0.30%
* APY = Annual Percentage Yield
** Balances less than $2,500 will earn Regular Savings rate.

SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 2.178% 2.20% 2.080% 2.10% 1.982% 2.00%
48-Month 1.933% 1.95% 1.834% 1.85% 1.736% 1.75%
36-Month 1.687% 1.70% 1.588% 1.60% 1.490% 1.50%
24-Month 1.342% 1.35% 1.292% 1.30% 1.243% 1.25%
12-Month 1.094% 1.10% 1.045% 1.05% 0.995% 1.00%
6-Month 0.847% 0.85% 0.797% 0.80% 0.747% 0.75%
3-Month 0.598% 0.60% 0.549% 0.55% 0.499% 0.50%
* APY = Annual Percentage Yield
` Fees may reduce earnings on account.
*** Substantial penalty for early withdrawal. Please refer to our Consumer Share Rates and Truth-In-Savings Disclosure.

IRAS *** (Traditional, Roth and Coverdell) $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month Fixed 2.178% 2.20% 2.080% 2.10% 1.982% 2.00%
48-Month Fixed 1.933% 1.95% 1.834% 1.85% 1.736% 1.75%
36-Month Variable 2.790% 2.83% 2.790% 2.83% 2.790% 2.83%
36-Month Fixed 1.687% 1.70% 1.588% 1.60% 1.490% 1.50%
24-Month Fixed 1.342% 1.35% 1.292% 1.30% 1.243% 1.25%
18-Month Variable 2.210% 2.23% 2.210% 2.23% 2.210% 2.23%
12-Month Fixed 1.094% 1.10% 1.045% 1.05% 0.995% 1.00%
* APY = Annual Percentage Yield
*** Substantial penalty for early withdrawal. Please refer to our Consumer Share Rates and Truth-In-Savings Disclosure.

IRA SAVINGS (Traditional, Roth and Coverdell) Minimum To Open Dividend Rate APY *
IRA Savings (Traditional, Roth and Coverdell) Account $5 0.300% 0.30%
* APY = Annual Percentage Yield



VEHICLE LOANS ` Loan Amounts Term APR * Estimated Payment Per $1,000 ^^
New/Used Vehicles


$10,000 +
$15,000 +
$20,000 +
 Up to 2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
 3.09%
3.09%
3.09%
3.09%
3.09%
3.09%
 $43.02
$29.12
$22.17
$18.01
$15.23
$13.25
Classic Vehicles `` $15,000 +
$15,000 +
$15,000 +
$25,000 +
 Up to 4 Years
5 Years
6 Years
7 Years
 5.09%
5.09%
5.09%
5.09%
 $23.08
$18.92
$16.15
$14.18
New Motorcycle

$10,000+
$20,000+
 Up to 3 Years
4 Years
5 Years
6 Years
 4.74%
4.99%
5.24%
5.49%
 $29.85
$23.02
$18.98
$16.33
Used Motorcycle

$10,000+
$20,000+
 Up to 3 Years
4 Years
5 Years
6 Years
 5.24%
5.49%
5.74%
5.99%
 $30.08
$23.25
$19.21
$16.57
New Boat/RV

$10,000+
$20,000+
$30,000+
$30,000+
$30,000+
 Up to 3 Years
4 Years
5 Years
6 Years
7-10 Years
11-12 Years
13-15 Years
 4.24%
4.49%
4.74%
4.99%
5.99%
7.99%
9.99%
 $29.63
$22.80
$18.75
$16.10
$14.60
$11.41
$11.47
Used Boat/RV

$10,000+
$20,000+
$30,000+
$30,000+
$30,000+
 Up to 3 Years
4 Years
5 Years
6 Years
7-10 Years
11-12 Years
13-15 Years
 4.74%
4.99%
5.24%
5.49%
6.49%
8.49%
10.49%
 $29.85
$23.02
$18.98
$16.33
$14.84
$11.68
$11.77
New ATV/Power Sports
$5,000+
$10,000+
$20,000+
 Up to 3 Years
4 Years
5 Years
6 Years
 4.74%
4.99%
5.24%
5.49%
 $29.85
$23.02
$18.98
$16.33
Used ATV/Power Sports
$5,000+
$10,000+
$20,000+
 Up to 3 Years
4 Years
5 Years
6 Years
 5.24%
5.49%
5.74%
5.99%
 $30.08
$23.25
$19.21
$16.57
` These rates reflect a .25% discount for New/Used/Classic Vehicle, Motorcycle, ATV/Power Sports, Boat, Recreational Vehicle, Personal, Debt Consolidation and Signature Line of Credit Loans. Available rate discount of .25% for automatic payments from a UNIFY share account. Maximum rate discount is .25% and may not be combined with any other rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details.
* APR = Annual Percentage Rate. Rates quoted are the lowest rates possible for qualified borrowers and are subject to change. Qualification is based on term (as applicable), credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.
^^ Payments shown are per $1,000 financed. Terms used for payment calculation are as shown. The Personal Loan and Debt Consolidation Loan assumes a 36-month term. Additional terms are available.
`` For loan amounts of $15,000 and above.

PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Personal Loan ` ** 10.49% $32.50
Debt Consolidation ` ** 11.24% $32.85
Signature Line of Credit ` ^ 11.24% N/A
` These rates reflect a .25% discount for New/Used/Classic Vehicle, Motorcycle, ATV/Power Sports, Boat, Recreational Vehicle, Personal, Debt Consolidation and Signature Line of Credit Loans. Available rate discount of .25% for automatic payments from a UNIFY share account. Maximum rate discount is .25% and may not be combined with any other rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details.
^ Variable rate loan, APR may vary after funding. Subject to change without notice.
** Subject to change without notice.
* APR = Annual Percentage Rate. Rates quoted are the lowest rates possible for qualified borrowers and are subject to change. Qualification is based on term (as applicable), credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.
^^ Payments shown are per $1,000 financed. Terms used for payment calculation are as shown. The Personal Loan and Debt Consolidation Loan assumes a 36-month term. Additional terms are available.

SECURED LOANS APR * Estimated Payment Per $1,000 ^^
Certificate Secured ** 2.00% above certificate dividend rate% N/A
Share Secured Visa Classic ** 11.49% N/A
* APR = Annual Percentage Rate. Rates quoted are the lowest rates possible for qualified borrowers and are subject to change. Qualification is based on term (as applicable), credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.
** Subject to change without notice.
^^ Payments shown are per $1,000 financed. Terms used for payment calculation are as shown. The Personal Loan and Debt Consolidation Loan assumes a 36-month term. Additional terms are available.

FIXED-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 9.49% N/A
Visa Gold 10.24% N/A
Visa Classic 11.24% N/A
VARIABLE-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 10.49% N/A
Visa Gold 10.74% N/A
Visa Classic 10.99% N/A
Engage Rewards Visa Signature 12.49% N/A
* APR = Annual Percentage Rate. Rates quoted are the lowest rates possible for qualified borrowers and are subject to change. Qualification is based on term (as applicable), credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.
^^ Payments shown are per $1,000 financed. Terms used for payment calculation are as shown. The Personal Loan and Debt Consolidation Loan assumes a 36-month term. Additional terms are available.

SHORT TERM LOAN APR * Estimated Payment Per $100 for 6 months
Credit Rebuilder 28.00% $18.05
* APR = Annual Percentage Rate. Rates quoted are the lowest rates possible for qualified borrowers and are subject to change. Qualification is based on term (as applicable), credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.



FIXED RATE
CONFORMING
Loan limits based on number of units and county of subject property ^ 		Loan Rates
as low as 		Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year 5.425%
5.525%
5.625%
 0.775%
0.350%
0.000%
 5.495%
5.557%
5.625%
 $5.63
$5.69
$5.76
20 Year 5.050%
5.150%
5.250%
 0.638%
0.275%
0.000%
 5.127%
5.184%
5.251%
 $6.63
$6.68
$6.74
15 Year 4.675%
4.775%
4.875%
 0.438%
0.200%
0.000%
 4.741%
4.806%
4.876%
 $7.74
$7.79
$7.84
JUMBO
Up to $2,500,000 		Loan Rates
as low as 		Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 5.425%
5.525%
5.625%
 2.000%
1.000%
0.000%
 5.605%
5.616%
5.625%
 $5.63
$5.69
$5.76
15 Year Jumbo 4.550%
4.650%
4.750%
 1.200%
0.600%
0.000%
 4.730%
4.740%
4.750%
 $7.68
$7.73
$7.78
* APR = Annual Percentage Rate.
^ Conforming loan amount limits:
Subject PropertyConforming Loan LimitHigh-Cost County Loan Limit
1-Unit$647,200$970,800
2-Unit$828,700$1,243,050
3-Unit$1,001650$1,502,425
4-Unit$1,244,850$1,867,275
Please contact a UNIFY Mortgage Lending Specialist at 877.254.9328 x 6213 to determine the maximum conforming amount for your county.
^^ All payments are shown per $1,000 financed, based on $400,000 conforming or $500,000 jumbo loan (except Home Equity Loan and Flex Rate Home Equity Line of Credit which are based on $250,000), and exclude taxes and insurance.
Loan approval: All applicants MUST meet loan approval criteria which are based on credit history, debts, ability to repay, home ownership and home value. A $500 non-refundable fee is charged once member indicates their intent to proceed with the transaction, after the loan estimate has been delivered in any manner. Acceptable forms of intent to proceed include, verbal communication by phone or in person, email, or a signed pre-printed form. Property Insurance required.
Rates as shown are available from 8am - 2pm Pacific time. After hours pricing is available at an additional cost. Rates are subject to change without notice and based on factors such as, but not limited to, loan-to-value, credit score, location, cash-out refinance and type of property (condo, multi-unit, etc.). Contact UNIFY for details on rate locks.

ADJUSTABLE RATE
CONFORMING
Loan limits based on number of units
And county of subject property ^ † 		Loan Rates
as low as 		Loan Points APR * Introductory Period
Payment per $1,000 ^^ 		Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months 		4.425%
4.450%
4.500%
 0.188%
0.125%
0.000%
 4.349%
4.353%
4.360%
 $5.02
$5.04
$5.07
 $5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months 		4.775%
4.825%
4.875%
 0.200%
0.100%
0.000%
 4.537%
4.553%
4.568%
 $5.23
$5.26
$5.29
 $5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months 		4.900%
4.950%
5.000%
 0.350%
0.163%
0.000%
 4.703%
4.719%
4.736%
 $5.31
$5.34
$5.37
 $6.21
$6.21
$6.21
JUMBO †
Up to $2,500,000 		Loan Rates
as low as 		Loan Points APR * Introductory Period
Payment per $1,000 ^^ 		Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months 		4.300%
4.400%
4.500%
 0.800%
0.400%
0.000%
 4.355%
4.358%
4.360%
 $4.95
$5.01
$5.07
 $5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months 		4.550%
4.650%
4.750%
 1.000%
0.500%
0.000%
 4.496%
4.502%
4.507%
 $5.10
$5.16
$5.22
 $5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months 		4.675%
4.775%
4.875%
 1.200%
0.600%
0.000%
 4.633%
4.645%
4.656%
 $5.17
$5.23
$5.29
 $6.21
$6.21
$6.21
* APR = Annual Percentage Rate.
^ Conforming loan amount limits:
Subject PropertyConforming Loan LimitHigh-Cost County Loan Limit
1-Unit$647,200$970,800
2-Unit$828,700$1,243,050
3-Unit$1,001650$1,502,425
4-Unit$1,244,850$1,867,275
Please contact a UNIFY Mortgage Lending Specialist at 877.254.9328 x 6213 to determine the maximum conforming amount for your county.
^^ All payments are shown per $1,000 financed, based on $400,000 conforming or $500,000 jumbo loan (except Home Equity Loan and Flex Rate Home Equity Line of Credit which are based on $250,000), and exclude taxes and insurance.
† Rate subject to change annually after introductory period. Rate change based on one-year CMT index plus a margin of 2.75%.
Loan approval: All applicants MUST meet loan approval criteria which are based on credit history, debts, ability to repay, home ownership and home value. A $500 non-refundable fee is charged once member indicates their intent to proceed with the transaction, after the loan estimate has been delivered in any manner. Acceptable forms of intent to proceed include, verbal communication by phone or in person, email, or a signed pre-printed form. Property Insurance required.
Rates as shown are available from 8am - 2pm Pacific time. After hours pricing is available at an additional cost. Rates are subject to change without notice and based on factors such as, but not limited to, loan-to-value, credit score, location, cash-out refinance and type of property (condo, multi-unit, etc.). Contact UNIFY for details on rate locks.

HOME EQUITY LINES of CREDIT APR * Estimated Payment
Per $1,000 ^^
Flex Rate Home Equity Line of Credit (up to 80% CLTV)**1
Fixed-Rate Lock Option+2 		as low as 5.49%
as low as 4.75% 		$4.58
$18.76
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available) 		as low as 6.75%
as low as 6.875% 		$5.63
$19.74
HOME EQUITY LOANS
Up to $250,000 		APR * Estimated Payment
Per $1,000 ^^
Home Equity Loan**2 as low as 5.00% $18.87
* APR = Annual Percentage Rate.
^^ All payments are shown per $1,000 financed, based on $400,000 conforming or $500,000 jumbo loan (except Home Equity Loan and Flex Rate Home Equity Line of Credit which are based on $250,000), and exclude taxes and insurance.
** Maximum interest rate = 18% APR. Closing costs range from $500 to $1,100 depending upon state. Estimate of costs will be provided if your request is approved. Closing costs and origination fees waived for HELOC and Home Equity Loans with an initial advance of at least $10,000.00 taken at closing. HELOC or Home Equity Loan must remain open for at least 36 months from date of closing. If HELOC or Home Equity Loan is paid off and terminated within 36 months of closing date, closing costs and origination charges up to $500 will be added to the loan payoff amount.
1 Interest only HELOC products are not available if the loan in first position is also interest-only or negative amortizing. Estimated payment shown is calculated as interest only, as available during the draw period.
+ Maximum interest rate = 18% APR. Rate lock conversion fee is $25 per occurrence. Maximum three fixed rate lock options open at any time. Rates are subject to change without notice.
Loan approval: All applicants MUST meet loan approval criteria which are based on credit history, debts, ability to repay, home ownership and home value. A $500 non-refundable fee is charged once member indicates their intent to proceed with the transaction, after the loan estimate has been delivered in any manner. Acceptable forms of intent to proceed include, verbal communication by phone or in person, email, or a signed pre-printed form. Property Insurance required.
Rates as shown are available from 8am - 2pm Pacific time. After hours pricing is available at an additional cost. Rates are subject to change without notice and based on factors such as, but not limited to, loan-to-value, credit score, location, cash-out refinance and type of property (condo, multi-unit, etc.). Contact UNIFY for details on rate locks.
2 Rate and payment shown calculated on 5-year term.

SECOND MORTGAGE
Up to $250,000 		APR * Estimated Payment
Per $1,000 ^^
Down Payment Second Mortgage*** as low as 8.00% $9.56
* APR = Annual Percentage Rate.
^^ All payments are shown per $1,000 financed, based on $400,000 conforming or $500,000 jumbo loan (except Home Equity Loan and Flex Rate Home Equity Line of Credit which are based on $250,000), and exclude taxes and insurance.
*** Not available on purchase of second/vacation home or in TX.
Loan approval: All applicants MUST meet loan approval criteria which are based on credit history, debts, ability to repay, home ownership and home value. A $500 non-refundable fee is charged once member indicates their intent to proceed with the transaction, after the loan estimate has been delivered in any manner. Acceptable forms of intent to proceed include, verbal communication by phone or in person, email, or a signed pre-printed form. Property Insurance required.
Rates as shown are available from 8am - 2pm Pacific time. After hours pricing is available at an additional cost. Rates are subject to change without notice and based on factors such as, but not limited to, loan-to-value, credit score, location, cash-out refinance and type of property (condo, multi-unit, etc.). Contact UNIFY for details on rate locks.