Rates | Point Breeze Credit Union

Free Checking PLUS+ Rates

Product	APR	APY	Compounded & Credited	Minimum Balance
Qualifying*, Balances $0.01 - $10,000.00	2.95%	3.00%	Monthly	$0
Qualifying*, Balances $10,000.01 and up	0.10%	0.10%	Monthly	$0
Not Qualifying, All Balances	0.05%	0.05%	Monthly	$0

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. APY is accurate as of May 13, 2019. ^*To earn the qualifying rates, each month you must have at least 12 debit card purchases using your Point Breeze Visa® Check Card, have direct deposit(s) of at least $400 and receive eStatements. If you close your account before accrued interest for any month is credited, you will receive the lowest-tier interest rate on your entire balance. Please refer to the Free Checking PLUS+ Truth-In-Savings Disclosure for more information. For grandfathered Interest Checking accounts, please contact us for current rates.

Certificate of Deposit Rates

Product	APY	APR	Compounded & Credited	Minimum Balance
6 Month Standard CD	4.20%	4.12%	Monthly	$500
12 Month Standard CD	4.50%	4.40%	Monthly	$500
24 Month Standard CD	4.20%	4.12%	Monthly	$500
36 Month Standard CD	3.75%	3.68%	Monthly	$500
6 Month Jumbo CD	4.20%	4.12%	Monthly	$10,000
12 Month Jumbo CD	4.50%	4.40%	Monthly	$10,000
24 Month Jumbo CD	4.20%	4.12%	Monthly	$10,000
36 Month Jumbo CD	3.75%	3.68%	Monthly	$10,000

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice. Minimum balance shown reflects the minimum to open the account. APY assumes principal and interest remain on deposit for the full term at the quoted rate. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity. Interest earned may be withdrawn at any time without penalty. If CD is closed before the accrued interest is credited, accrued interest will be paid. APY is accurate as of the last dividend declaration.

Auto and Truck Loan Rates

Product	Maximum Term (in months)	APR as low as	Minimum Loan Amount	Monthly Payment (per $1,000)
New & Used Auto or Truck	36	4.99%	None	$29.97
New & Used Auto or Truck	48	5.49%	None	$23.26
New & Used Auto or Truck	60	5.49%	None	$19.10
New & Used Auto or Truck	72	5.49%	None	$16.34

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rate may vary based on the term, loan amount, your credit history, and other factors. Rates shown reflect a 0.25% discount for direct deposit/payroll deduction of loan payments. Vehicles older than 10 model years or with more than 100,000 miles are subject to approval and if approved, the rate is 2.00% above your qualifying rate. Rates, terms, and conditions are subject to change without notice. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.

Motorcycle, Boat and RV Loan Rates

Product	Maximum Term (in months)	APR as low as	Minimum Loan Amount	Monthly Payment (per $1,000)
New & Used Motorcycle/Boat/RV	36	5.99%	None	$30.43
New & Ussed Motorcycle/Boat/RV	48	6.49%	None	$23.72
New & Used Motorcycle/Boat/RV	60	6.49%	None	$19.57
New & Used Motorcycle/Boat/RV	72	7.49%	$5,000	$17.30

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rate may vary based on the term, loan amount, your credit history, and other factors. Rates shown reflect a 0.25% discount available for direct deposit/payroll deduction of loan payments. Boats/RVs older than 10 model years and Motorcycles older than 5 model years are subject to approval and if approved, the rate is 2.00% above your qualifying rate. Street legal motorcycles only; dirt bikes do not qualify. Rates, terms, and conditions are subject to change without notice. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.

Mortgage Rates

Product	APR	Points	Monthly Payment (per $1,000)
5 Year Fixed	5.500%	None	$19.10
10 Year Fixed	6.375%	None	$11.29
15 Year Fixed	6.500%	None	$8.71
20 Year Fixed	6.625%	None	$7.53
30 Year Fixed	6.875%	None	$6.57
5/1 Adjustable Rate	Intro 5.875%	None	--
7/1 Adjustable Rate	Intro 6.000%	None	--

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rates shown are the lowest rates available for loans up to $647,200. Actual rate may vary based on the term, loan amount or other factors. Jumbo mortgages are also available. Payment examples shown do not include taxes or insurance, if applicable. Minimum down payment is 3-10%. Speak with a representative about closing costs.

Home Equity Loan Rates

Product	APR as low as	Points	Monthly Payment (per $1,000)
5 Year Fixed	5.24%	None	$18.98
10 Year Fixed	5.74%	None	$10.98
15 Year Fixed	6.00%	None	$8.45
20 Year Fixed	6.50%	None	$7.46
Standard Line of Credit (introductory rate)	2.49%	None	--
Interest Only Line of Credit (introductory rate)	2.49%	None	--

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms, and conditions are subject to change without notice. Home Equity Loan: Borrow up to 100% Loan-to-Value or $250,000 maximum. Standard Line of Credit: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 12 months, after which the rate will adjust to the Prime Rate with a floor of 3.50% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 5.00% APR above the Prime Rate at the time of your application. Minimum loan amount is $7,500. Borrow up to 80% loan-to-value or $250,000 maximum. For every $1,000 borrowed at 2.49% APR your payment will be $8.99 monthly with a minimum monthly payment of $100. For every $1,000 borrowed at the current Prime Rate of 8.50% APR your payment will be $13.92 monthly with a minimum monthly payment of $100. Speak with a representative about closing costs. Interest Only Line of Credit: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 12 months, after which the rate will adjust to the Prime Rate with a floor of 3.50% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 5.00% APR above the Prime Rate at the time of your application. You may choose to pay only the interest on the money you borrow for 10 years from the date the loan is established (draw period). Minimum payment will not repay principal, which will result in your payment increasing at the end of the 10-year draw period. Minimum loan amount is $7,500. Borrow up to 80% loan-to-value or $250,000 maximum. For every $1,000 borrowed at 2.49% APR your payment will be $2.05 monthly if you choose to pay only the interest. For every $1,000 borrowed at the current Prime Rate of 8.50% APR your payment will be $6.98 monthly if you choose to pay only the interest. Speak with a representative about closing costs or for more information about the Point Breeze Credit Union Interest Only Home Equity Line of Credit.

Visa® Credit Card Rate

Product	APR as low as	Annual Fee
Point Breeze Visa® Credit Card	14.25%	None

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on your credit history. Lowest rate available is the floor rate. Refer to the Visa Credit Card Solicitation Disclosure for more information.

Signature (Unsecured) Loan Rate

Product	APR as low as	Maximum Term (in months)	Monthly Payment (per $1,000)	Maximum Loan Amount
Signature (Unsecured)	9.95%	60	$21.23	$10,000

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.

Share (Savings) Secured Loan Rate

Product	APR as low as	Maximum Term (in months)	Monthly Payment (per $1,000)	Maximum Loan Amount
Share (Savings) Secured	5.00%	120	$10.61	$100,000

Home Improvement Loan Rate

Product	APR as low as	Maximum Term (in months)	Monthly Payment (per $1,000)	Maximum Loan Amount
Home Improvement	7.75%	120	$20.16	$25,000

Savings Rates

Product	APR	APY	Compounded & Credited	Minimum Balance
Share/Savings	0.10%	0.10%	Quarterly	$5
Holiday Club	0.10%	0.10%	Quarterly	$5

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. Minimum balance indicated reflects the minimum to open the account. APY is accurate as of the last dividend declaration.

Individual Retirement Account Rate

Product	APR	APY	Compounded & Credited	Minimum Balance
Individual Retirement (IRA)	0.25%	0.25%	Quarterly	$5

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