Current Rates

Loan Rates as of January 9, 2019

Auto Loans
Vehicle Type	Approximate Term	APR*
New	Up to 84 Months	3.99 to 16.25%
2015 – 2019	Up to 72 Months	4.25 to 18.50%
2010 – 2014	Up to 72 Months	5.00 to 21.25%
2009 and older	Up to 60 Months	6.00 to 23.50%

*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Vehicle value is based on MSRP or by a source approved by the credit union. Please contact us for specific terms, rates and available discounts. Payment example: $20,000 Auto Loan for 72 months at 5.00% APR will result in a monthly payment of $322.11.

Boat, Jet Ski, Motorcycle, ATV and RV Loans
Vehicle Type	Approximate Term	APR*
New Boat	Up to 180 Months	5.25 to 14.50%
Used Boat	Up to 144 Months	6.25 to 15.00%
New Jet Ski	Up to 72 Months	4.00 to 12.75%
Used Jet Ski	Up to 72 Months	4.50 to 17.00%
New RV	Up to 180 Months	5.25 to 14.50%
Used RV	Up to 144 Months	6.25 to 15.00%
New Motorcycle/ATV	Up to 72 Months	4.00 to 12.75%
Used Motorcycle/ATV	Up to 72 Months	4.50 to 17.00%

*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Vehicle value is based on MSRP or by a source approved by the credit union. Please contact us for specific terms, rates and available discounts. Payment example: $20,000.00 loan amount for 72 months at 5.75% APR will result in a monthly payment of $330.00.

Personal Loans
Borrowed Amount	Approximate Term	APR*
$300 - $10,000	Up to 60 months	7.50 to 18.00%

*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Payment example: $1,000.00 personal loan for 12 months at 8.50% APR will result in a monthly payment of $87.24.

Overdraft Protection Loan
Borrowed Amount	Approximate Term	APR*
$300 - $1,500	Revolving Account	13.00 to 18.00%

*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Payment is $20.00 or 4% of balance, whichever is greater. Payment is automatically withdrawn last day of the month.

Business Overdraft Protection Loan
Borrowed Amount	Approximate Term	APR*
$500 - $5,000	Revolving Account	10.00 to 12.00%

Share Certificate Secured Loan
APR*	Approximate Term
3.00% APR* above dividend rate earned by Share Certificate	Up to 72 Months

*APR = Annual Percentage Rate. Loan rate is fixed at 3.00% above the value of the shares, share investments or the share certificates being pledged as security at the time of the loan. Payment example: $5000.00 loan for 48 months at 3.50% APR will result in a monthly payment of $111.76.

Savings Rates as of December 11, 2018

Savings Accounts
Account	APY*	Dividend Rate
Share Savings	0.10%	0.10%
IRA	0.45%	0.45%
Vacation/Christmas Club	0.10%	0.10%
Insurance/Tax Account	0.00%	0.00%

*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. You must maintain $0.01 in the account each day to obtain the disclosed annual percentage yield. Fees may reduce earnings. The minimum to open any of the above accounts is $5.

Share Investment Accounts
Account	APY*	Dividend Rate
$2,000.00 to $19,999.99	0.80%	0.80%
$20,000.00 to $74,999.99	0.90%	0.90%
$75,000.00 or greater	1.00%	1.00%

*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. You must maintain a minimum average daily balance of $2000.00 in the account to obtain the disclosed annual percentage yield. No interest is earned for less than $2000.00 on deposit. Fees may reduce earnings. The tiered variable interest dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. See our Account Disclosure Rate Supplement for more information. There is no minimum deposit required to open or maintain this account.

Checking Accounts
Account	APY*	Dividend Rate
Checking Account	0.05%	0.05%
Grow Green Checking Account***
Qualifying rate up to $15,000	1.51%	1.50%
Non Qualifying rate up to $15,000	0.05%	0.05%
$15,000.01 More	0.05%	0.05%

*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. The minimum to open any of the above accounts is $5.***You must maintain $0.01 in the account each day to obtain the disclosure annual percentage yield. You must satisfy all of the requirements in our Truth in Savings disclosure during each qualification period to obtain the qualifying percentage yield. If you close your account before accrued dividends have been credited to your account, all accrued dividends will be forfeited. Fees may reduce earnings. See a Member Service Representative for additional disclosures.

Business Checking Accounts
Minimum Balance	APY*	Dividend Rate
$0.00 to $24,999.99	0.05%	0.05%
$25,000 to $49,999.99	0.20%	0.20%
$50,000 to $99,999.99	0.25%	0.25%
$100,000 to $249,999.99	0.30%	0.30%
$250,000 to $499,999.99	0.35%	0.35%
$500,000 or greater	0.35%	0.35%

Savings Rates as of December 11, 2018

Share and IRA Certificates
Term	APY*	Dividend Rate
6 months	1.00%	1.00%
12 months	1.81%	1.80%
24 months***	2.12%	2.10%
36 months***	2.32%	2.30%
48 months***	2.43%	2.40%
60 months***	2.68%	2.65%

*APY = Annual Percentage Yield. Dividends will compound and credit monthly. Minimum balance is $500. This is a term deposit and you may receive a penalty for early withdrawal. ***Golden Benefits Members receive an additional 0.05% on the 24 – 60 month certificates.

Share Certificate Specials

14 Month Celebration Certificate - 2.53% APY* (2.50% Dividend Rate)

A qualified minimum balance of $500 is required to open. A qualifying deposit is a deposit of $500 or more into a share certificate of funds that have not been on deposit at Baylands FCU in the past ninety (90) days.

*APY = Annual Percentage Yield. Dividends will compound and credit monthly. Qualified minimum balance $500. A qualifying deposit is a deposit of $500 or more into a share certificate of funds that have not been on deposit at Baylands FCU in the past ninety (90) days. This is a term deposit and you may receive a penalty for early withdrawal. Not eligible for the 0.05% Golden Benefits APR increase on certificates. Promotional rates do not apply to IRA Share Certificates. Fees may reduce earnings. Membership eligibility required. $5 must be deposited into a Share Savings Account in order to open a Share Certificate Account. This rate is effective as of 10/19/18 and is subject to change. See Member Service Representative for additional disclosures. This credit union is federally insured by the National Credit Union Administration.

30 Month JUMBO Certificate - 3.15% APY** (3.10% Dividend Rate)

A minimum balance of $50,000.00 is required to open.

**APY = Annual Percentage Yield. Dividends will compound and credit monthly. Minimum balance $50,000. This is a term deposit and you may receive a penalty for early withdrawal. Not eligible for the 0.05% Golden Benefits APR increase on the 24 – 60 month certificates. Promotional rates do not apply to IRA Share Certificates. Fees may reduce earnings. Membership eligibility required. $5 must be deposited into a Share Savings Account in order to open a Share Certificate Account. This rate is effective as of 10/19/18 and is subject to change. See Member Service Representative for additional disclosures. This credit union is federally insured by the National Credit Union Administration.

If you have any questions or want Mortgage and Home Equity rates: please call us at (804) 843-2520 or (888) 843-2520.