Loan Rates

• Automobile Loans

  Automobile Loans
  Type	Term (months)	Rates as low as*
  New Vehicle - 2022 & 2023	72	6.49% APR*
  New Vehicle - 2022 & 2023	84	7.49% APR*
  Used Vehicles	72	6.74% APR*
  (2018-2020 & 2021 - less than $15K)	60	6.74% APR*
  (2016-2017)	48	6.74% APR*
  (2015 or older)	36	8.74% APR*

  *Actual rate may vary depending on credit history, loan term, and equity in vehicle. APR = Annual Percentage Rate. Updated 10/01/2022

• RV, Boat, Motorcycle, Personal Watercraft Loans

  RV, Boat, Motorcycle, Personal Watercraft Loans
  Type	Term (months)	Rates as low as*
  ATV	36	7.74% APR*
  Motorcycle	60	7.74% APR*
  New/Used Boat or RV ($25K or less)	60	7.49% APR*
  	72	8.49% APR*
  	84	9.49% APR*
  	96	10.49% APR*
  	120	11.49% APR*
  New/Used Boat or RV (over $25K)	60	7.99% APR*
  	72	8.99% APR*
  	84	9.99% APR*
  	96	10.99% APR*
  	120	11.99% APR*

  *Actual rate may vary depending on credit history, loan term, and equity in vehicle. APR = Annual Percentage Rate.

• Home Equity Line of Credit

  Home Equity Line of Credit
  Type	Variable Rate*
  75% Loan to Value	8.00% APR*
  85% Loan to Value	9.50% APR*

  *Home Equity Line of Credit's are variable based on the Wall Street Prime Index and may adjust quarterly. Floor rate is 4.00%. Rates quoted "as low as". Based on credit rating. Fees required to open a home equity loan will range from $160.00 - $450.00. APR = Annual Percentage Rate.

• Personal Loans

  Personal Loans
  Type	Term (months)	Rates as low as*
  Signature Loan	60	14.74% APR*
  	48	13.74% APR*
  	36	12.74% APR*
  	24	11.74% APR*
  	12	10.74% APR*
  Overdraft Line of Credit		12.50% APR*
  Personal Line of Credit		13.50% APR*
  Certificate Secured Loans		Certificate dividend rate plus 2.00%

  *Actual rate may vary depending on credit history. APR = Annual Percentage Rate.
  
  Rates updated 08/15/2023.

VISA® Cards

• VISA® Platinum w/ Bonus Points

  VISA® Platinum w/ Bonus Points
  Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers	Beacon Score 730 or more	Beacon Score 729 through 639	Beacon Score 638 or less
  	12.50%	18.00%	18.00%
  Other APRs	None
  Variable Rate Information	Your APR may vary. The rate is determined monthly by adding 4% if your Beacon Score is 730 or more, 10% if your Beacon Score is 729 through 640, or 15% if your Beacon Score is 639 or less, to the Prime Rate **
  Grace Period for Repayment of Balances for Purchases	25 days
  Method of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
  Annual Fees	None
  Minimum Finance Charge	None
  Transaction Fee for Cash Advances	3% of the amount of advance (Minimum $10.00)
  Balance Transfer Fee	None
  Late Payment Fee	$25.00 (for past due amount of $30.00 or more)
  Return Payment Fee	$25.00 (if check is $30.00 or more)

• VISA® Platinum w/ Cash Back
  
  

  VISA® Platinum w/ Cash Back
  Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers	Beacon Score 730 or more	Beacon Score 729 through 639	Beacon Score 638 or less
  	16.50%	18.00%	18.00%
  Other APRs	None
  Variable Rate Information	Your APR may vary. The rate is determined monthly by adding 8% if your Beacon Score is ≥ 730, 11% if your Beacon Score is ≤729 and ≥ 639, or 16% if your Beacon Score is ≤ 638, to the Prime Rate**
  Grace Period for Repayment of Balances for Purchases	25 days
  Method of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
  Annual Fees	None
  Minimum Finance Charge	None
  Transaction Fee for Cash Advances	3% of the amount of advance (Minimum $10.00)
  Balance Transfer Fee	None
  Late Payment Fee	$25.00 (for past due amount of $30.00 or more)
  Return Payment Fee	$25.00 (if check is $30.00 or more)

  **The Prime Rate used to determine your APR is the rate published in the Wall Street Journal the last day of the prior month. Our rate cap is 18.00%.
  
  The information about the costs of the card described in the disclosure is accurate as of March 2020.
  
  For Credit Card Tips from the Consumer Financial Protection Bureau
  
  To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau.

Savings Rates

• Share Accounts

  Share Accounts
  Account	Min. Balance to Earn Dividends	Dividend Rate	APY**
  Regular Savings	$250.00	0.05%	0.05%
  Holiday Club	$250.00	0.05%	0.05%
  IRA Savings	$250.00	0.10%	0.10%
  Money Market	$1,000.00 - $20,000.00	1.83%	1.85%
  	$20,001.00 - $75,000.00	1.88%	1.90%
  	$75,001.00 and over	2.47%	2.50%
  HSA Savings	$500.00 or less	0.10%	0.10%
  	$501.00 - $1500.00	0.14%	0.15%
  	$1501.00 - $2500.00	0.19%	0.20%
  	$2501.00 and over	0.24%	0.25%

  Rates updated 09/01/2023. APR is Annual Percentage Rate and APY is Annual Percentage Yield. Dividends are compounded daily and credited to your account monthly, with the exception of the Christmas Savings, which is credited annually. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Savings account rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors. Fees may reduce earnings.
  
  This schedule is incorporated as a part of your account agreement with Ohio HealthCare Federal Credit Union.

Certificates

• Regular Certificates

  Regular Certificates
  Term	Minimum Balance	Dividend Rate	APY**
  3 Month	$500.00	2.47%	2.50%
  6 Month	$500.00	4.41%	4.50%
  12 Month	$500.00	4.16%	4.50%
  18 Month	$500.00	3.92%	4.00%
  24 Month	$500.00	3.92%	4.00%
  36 Month	$500.00	3.68%	3.75%
  48 Month	$500.00	3.44%	3.50%
  60 Month	$500.00	3.19%	3.25%

• CU Save Club Share Certificates

  Regular Certificates
  Term	Minimum Balance	Dividend Rate	APY**
  24 Month	$250.00	3.92%	4.00%

• Regular Certificates
  Term	Minimum Balance	Dividend Rate	APY**
  3 Month	$5,000.00	2.47%	2.50%
  6 Month	$5,000.00	2.57%	2.60%
  12 Month	$5,000.00	2.91%	2.95%
  18 Month	$5,000.00	3.00%	3.05%
  24 Month	$5,000.00	3.10%	3.15%
  36 Month	$5,000.00	3.19%	3.25%
  48 Month	$5,000.00	3.29%	3.35%
  60 Month	$5,000.00	3.48%	3.55%

• IRA Share Certificates

  IRA Share Certificates
  Term	Minimum Balance	Dividend Rate	APY**
  12 Month	$250.00	4.16%	4.25%
  18 Month	$250.00	3.92%	4.00%
  24 Month	$250.00	3.92%	4.00%
  36 Month	$250.00	3.68%	3.75%
  48 Month	$250.00	3.44%	3.50%
  60 Month	$250.00	3.19%	3.25%

  Rates updated 09/01/2023. APY is Annual Percentage Yield. Certificate rates remain fixed for the term of the certificate. Unless otherwise indicated, dividends will be compounded daily and credited to your account monthly. A penalty may be imposed for withdrawals before maturity. Rates are subject to change. Fees may reduce earnings.
  
  This schedule is incorporated as a part of your account agreement with Ohio HealthCare Federal Credit Union.