Credit RatingA
APR*
B
APR*
Open-end11.9%17.9%

Credit RatingA+
APR*
A
APR*
B
APR*
C
APR*
D
APR*
E
APR*
0-36 Months2.74%3.24%3.74%6.24%13.74%15.54%
37-60 Months3.24%3.74%4.24%6.74%15.24%17.24%
61-72 Months3.74%4.24%4.74%7.24%16.24%17.74%
73-84 Months4.24%4.74%5.24%7.74%7.244%17.74%

*APR = Annual Percentage Rate
Rates posted are the lowest possible rates.
Rates may vary depending on past credit history and term,
down payment, and approximate term.
Rates are subject to change.

LoansRateAPR*Term
Signature Loans
(8.9% - 17.9%)
8.9%8.9%36
Visa Platinum13.9%13.9%N/A
Visa Gold11.9%11.9%N/A
Certificate Secured Visa6.5%6.5%N/A
Feel Free8.9%8.9%N/A

*APR = Annual Percentage Rate
Rates Effective June 2018

SavingsMinimum BalanceDividend RateAPY*Dividend PeriodTerm
IRA Variable Savings$1000.10%0.10%M1
Regular Shares $100-$20000.05%0.05%Q3
Regular Shares$2000+0.05%0.05%Q3
Special Savings$1000.05%0.05%Q3
Regular Checking$2500.05%0.05%M1
High-Tide Checking
(Money Market)
$2500+0.05%0.05%M1

*APY = Annual Percentage Yield
There may be a penalty for early withdrawal.
Rates Effective June 2018

CertificatesMinimum DepositDividend RateAPY*Dividend PeriodTerm
Share Certificates$5000.10%0.10%M6 months
Share Certificates$5000.10%0.10%M1 year
Share Certificates$5000.20%0.20%M2 years
Share Certificates$5000.30%0.30%M3 years
Share Certificates$5000.39%0.40%M4 years
Share Certificates$5000.49%0.50%M5 years
IRA Certificate$5000.10%0.10%M1 year
IRA Certificate$5000.20%0.20%M2 years
IRA Certificate$5000.30%0.30%M3 years
IRA Certificate$5000.49%0.50%M5 years

*APY = Annual Percentage Yield
There may be a penalty for early withdrawal.

Risk-Based

Credit RatingA
APR*
B
APR*
Open-end11.9%17.9%

Credit RatingA+
APR*
A
APR*
B
APR*
C
APR*
D
APR*
E
APR*
0-36 Months2.74%3.24%3.74%6.24%13.74%15.54%
37-60 Months3.24%3.74%4.24%6.74%15.24%17.24%
61-72 Months3.74%4.24%4.74%7.24%16.24%17.74%
73-84 Months4.24%4.74%5.24%7.74%7.244%17.74%

*APR = Annual Percentage Rate
Rates posted are the lowest possible rates.
Rates may vary depending on past credit history and term,
down payment, and approximate term.
Rates are subject to change.

Loans

LoansRateAPR*Term
Signature Loans
(8.9% - 17.9%)
8.9%8.9%36
Visa Platinum13.9%13.9%N/A
Visa Gold11.9%11.9%N/A
Certificate Secured Visa6.5%6.5%N/A
Feel Free8.9%8.9%N/A

*APR = Annual Percentage Rate
Rates Effective June 2018

Savings

SavingsMinimum BalanceDividend RateAPY*Dividend PeriodTerm
IRA Variable Savings$1000.10%0.10%M1
Regular Shares $100-$20000.05%0.05%Q3
Regular Shares$2000+0.05%0.05%Q3
Special Savings$1000.05%0.05%Q3
Regular Checking$2500.05%0.05%M1
High-Tide Checking
(Money Market)
$2500+0.05%0.05%M1

*APY = Annual Percentage Yield
There may be a penalty for early withdrawal.
Rates Effective June 2018

Certificates

CertificatesMinimum DepositDividend RateAPY*Dividend PeriodTerm
Share Certificates$5000.10%0.10%M6 months
Share Certificates$5000.10%0.10%M1 year
Share Certificates$5000.20%0.20%M2 years
Share Certificates$5000.30%0.30%M3 years
Share Certificates$5000.39%0.40%M4 years
Share Certificates$5000.49%0.50%M5 years
IRA Certificate$5000.10%0.10%M1 year
IRA Certificate$5000.20%0.20%M2 years
IRA Certificate$5000.30%0.30%M3 years
IRA Certificate$5000.49%0.50%M5 years

*APY = Annual Percentage Yield
There may be a penalty for early withdrawal.