*Subject to credit qualifications we will finance your purchase including tax, license, dealer options, warranty and insurance products.

**The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on credit history, the amount being financed, and the value of any included collateral. These rates assume full relationship for the term of the loan. Full relationship means that you have both direct deposit of your paycheck to your primary checking account and automatic payment of your loan from the same account. Add .50% if you have only one of these relationships; add 1.00% if you have neither. If the automatic payment from your checking account has non-sufficient funds three times in a row, the automatic payment will be canceled and the interest rate on the advance will be increased accordingly. The lowest APR listed for RVs and boats assumes 20% down for loans under $50,000 and is based on credit history.

***Term depends on amount being financed and age of collateral.

*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on credit history, the amount being financed, and the value of any included collateral.

*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on credit history, the amount being financed, and the value of any included collateral.

**Payments for Timelines are based on $3.00 per month for each $100.00 or portion of $100.00 of principal balance. Minimum payment is $50.00, to be determined after each advance.

*The above are purchase money rates assuming 20% down.

The interest rates, **annual percentage rates (APRs), and discount points shown are subject to change without notice and are subject to approval.

The monthly payment amount shown includes principal, interest, and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow account is established or required.

Your APR will vary based on your final loan amount and finance charges.

If you are refinancing an existing WECU mortgage the Settlement or Closing Fee may be waived.

Payment example: With an APR of 6.150% and a repayment term of 30 years, your monthly payment would be $6.076 per $1000 borrowed.

**Approval, LTV, and rates for manufactured home loans in a park are based on credit history and age of the collateral. Based on this information your APR will fall within the range disclosed above.

***Repayment term based on loan amount, credit history and collateral.

Payment Example: With an APR of 8.056%, a loan amount of $100,000, a 30 year amortization, and a 10 year balloon, your monthly payment would be $737.67 for 120 months with a balloon payment of $88,415.63 due on your 121st payment date.

*Annual Percentage Rate (APR) - the annual yearly cost of credit. Includes the effect of interest, discounts, fees, and other costs. APR shown is based on a loan amount of $20,000.

**A balloon option is not available on the 5 year term.

**Combined Loan to Value (CLTV). All loans on the property (ie First Mortgage, Home Equity, HELOC, etc) cannot exceed a combined percentage (as stated) relative to the documented value of the property.

**Rates assume full relationship for the term of the loan. Add 1.00% if you do not have your first mortgage with WECU.

Payment Example: With an APR of 7.295%, a loan amount of $20,000, a 30 year amortization, and a 10 year balloon, your monthly payment would be $133.06 for 119 months with a balloon payment of $17295.36 due on your 120th payment date.

**Combined Loan to Value (CLTV). All loans on the property (ie First Mortgage, Home Equity, HELOC, etc) cannot exceed a combined percentage (as stated) relative to the documented value of the property.

*Annual Percentage Rate (APR) - the annual yearly cost of credit. Includes the effect of interest, discounts, fees, and other costs.

**Loan to Value (LTV) - The ratio of funds borrowed to the documented value of the property.

Payment Example: With an APR of 8.056%, a loan amount of $100,000, a 30 year amortization, and a 10 year balloon, your monthly payment would be $737.67 for 120 months with a balloon payment of $88,415.63 due on your 121st payment date.

*Annual Percentage Rate (APR) - the annual yearly cost of credit. Includes the effect of interest, discounts, fees, and other costs. APR shown is based on a loan amount of $10,000.

Payment Example: With an APR of 10.000%, a loan amount and a 5 year repayment period, your loan payment would be $21.247 per $1000 borrowed.

*Dividend Rate. See "Truth-In-Savings" below. Fees may reduce earnings.
**Annual Percentage Yield (APY). See "Truth-In-Savings" below. Fees may reduce earnings.
***Dividend Schedule. Length of term for dividend compounding, dividend crediting, and dividend period.

Except as specifically described, the following disclosures apply to all of the accounts :

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are variable and may change daily at the discretion and determination of the Credit Union. Today's rates are set forth above.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Date which the Credit Union anticipates paying for the applicable dividend period.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The dividend period for all dividend bearing accounts begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period as set forth above.

4. Accrual of Dividends. Dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. Balance Information. The minimum balance required to open each account is set forth above. For Primary Savings, Sub-Savings, Summer Savings, and Money Market Checking, the minimum balance required to obtain the stated Annual Percentage Yield is set forth above. If the minimum balance is not met, you will not earn the stated Annual Percentage Yield. For Check Plus and Money Market Checking accounts, the minimum balance requirement and dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. For all Savings accounts, dividends and the applicable minimum balance requirements are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of the principal in the account for each day of the period and dividing that figure by the number of days in the period. For Check Plus checking accounts, a fee will be charged every month a $1,000 minimum balance is not maintained. For Business Economy Checking accounts, a monthly fee will be charged every month a $250 minimum balance is not maintained; for Business Basic Checking accounts, a monthly fee will be charged every month a $1,500 minimum balance is not maintained.

6. Account Limitations. The account limitations for each account are set forth above. For Primary Savings, Sub-Savings, Summer Savings, and Money Market Checking accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, telephone, Tele-Max, or E-Max transfers may be made from these accounts to another account of yours or to a third party in any calendar month. If you exceed these limitations, your accounts may be subject to a fee or be closed. For Money Marketing Checking accounts, the minimum withdrawal amount is $100 per transaction.

7. Privilege Pay Disclosure. WECU may pay, but is not obligated to pay, items that overdraw your account pursuant to section I.11 of the Membership and Account Agreement. We will notify you by mail if you qualify for Privilege Pay and the terms that will apply to you. WECU limits the amount by which your account may be overdrawn and will notify you of your limit. Privilege Pay applies to checks and withdrawals to your checking and savings account made in-person, by ATM, by EFT or other electronic means. You must bring your account to a positive balance within 35 days after the overdraft is created. Each account owner on a joint account will be liable for payment of any overdraft, regardless of who created the overdraft. WE RESERVE THE RIGHT TO SUSPEND/REVOKE THE DISCRETIONARY PRIVILEGE PAY AT ANY TIME. You may opt-out by contacting WECU at 360-676-1168, toll free 800-525-8703 or TTY 800-833-6388.

8. Aggregate Deposits. The aggregate deposits you may have in all credit union accounts is $5,000,000 unless you obtain specific approval from the VP/CFO and/or Finance Manager. 

The rates appearing in the above Schedule are accurate and effective for Savings and Checking Accounts as of the Effective Date indicated. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please call the Credit Union at (360) 676-1168 or (800) 525-8703 or TTY (800) 833-6388.

i. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

ii. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment or where the account is an IRA and the owner attains age 59½ or becomes disabled.

All rates and fees are subject to change without notice.