Deposit Rates Loan Rates EFFECTIVE March 16, 2017 Secured Vehicle Loans - APR* as low as Term APR* as low as 24 Months 2.00% 36 Months 2.25% 48 Months 2.50% 60 Months 2.75% 72 Months 3.00% 84 Months 3.50% Secured Recreational Vehicle Loans - APR* as low as Term APR* as low as 24 Months 3.25% 36 Months 3.50% 48 Months 3.75% 60 Months 4.00% 72 Months 4.25% 84 Months 4.75% Recreational Vehicles Above $25,000 - APR* as low as Term APR* as low as 96 Months 4.75% 108 Months 4.75% 120 Months 4.75% 136 Months 5.00% 144 Months 5.00% For example, an auto loan with a balance of $10,000 with an APR of 2.50% for 48 months would result in a payment of $219.16 per month. Personal Loans Loan Type APR* as low as Unsecured Signature Loan 8.50% Overdraft Line of Credit 12.25% PayDay Smart Loans 17.95% EMV VISA Platinum Credit Cards Card Type APR* as low as No Rewards 8.65% Rewards 9.65% Mortgage & Home Equity Loans Loan Type APR* as low as In-House 15 Year First Mortgage 4.200% Secondary Market Mortgage (30 Year & Government) 4.536% Streamline First Mortgage 3.800% Second Mortgage (Home Equity Fixed Rate Loan) 4.000% Introductory Rate Home Equity Line of Credit 2.900% In-House Investment Property Loans (15 Year) 4.375% Commercial Real Estate Loan (15 Year) 5.625% *APR = Annual Percentage Rate. Rates "as low as" dependent on creditworthiness, Auto Pay, and/or SmartPoints discounts. Auto Pay and SmartPoints discounts are not available for the Overdraft Lines of Credit, PayDay Loans or Real Estate Loans (with the exception of Streamline Mortgages). Rates can change at any time. Introductory Rate HELOC dependent on the loan-to-value (LTV) percentage. For example, a Second Mortgage (Home Equity Fixed Rate Loan) with a balance of $10,000 with an APR of 4.000% for 180 months would result in a payment of $73.99 per month. VISA Credit Card rates are variable and subject to change based on changes in the Prime Rate. VISA Credit Card 3% introductory rate discount for 6 months. The 3% introductory rate discount is good for 12 months on balance transfers. Rates do not apply for refinance of existing WyHy loans. Other terms and conditions may apply. Contact the credit union for full details.