Rates

Premier Membership, Free Checking and Student Checking
Checking Type	Dividend Rate	APY
Checking Type Premier Checking	Dividend Rate 0.05%	APY 0.05%
Checking Type Free Checking with eStatements	Dividend Rate 0.00%	APY 0.00%
Checking Type Student Checking	Dividend Rate 0.00%	APY 0.00%
Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

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Savings Accounts
Savings Type	Dividend Rate	APY
Savings Type Regular Savings	Dividend Rate .05%	APY .05%
Savings Type Advantage Savings	Dividend Rate .05%	APY .05%
Savings Type Holiday Savings¹	Dividend Rate .30%	APY .30%
Savings Type Youth Savings²	Dividend Rate .05%	APY .05%
Savings Type IRA Regular Savings	Dividend Rate .05%	APY .05%
Savings Type Legacy Savings	Dividend Rate .00%	APY .00%
Savings Type Preferred Savings Account³	Dividend Rate 5.19%	APY 5.33%
Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms. 1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited. 2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account. 3. New members only. Minimum opening deposit $25, no minimum to earn dividends. Rate is variable and may change after the account is opened. Not available to pledge with a share secured loan.

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Money Market Advantage Account
Balance	Dividend Rate	APY
Balance $1,000,000 and above	Dividend Rate .15%	APY .15%
Balance $250,000 to $999,999	Dividend Rate .15%	APY .15%
Balance $50,000 to $249,999	Dividend Rate .15%	APY .15%
Balance $25,000 to $49,999	Dividend Rate .10%	APY .10%
Balance $15,000 to $24,999	Dividend Rate .05%	APY .05%
Balance $2,500 to $14,999	Dividend Rate .05%	APY .05%
Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

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Standard Term Certificate Accounts
Term	Balance	Dividend Rate	APY
Term 3 Month Promotional Certificate*	Balance over $1,000	Dividend Rate 4.18%	APY 4.25%
Term 3-5 Months	Balance $1,000 - $2,499	Dividend Rate 0.25%	APY 0.25%
Term 3-5 Months	Balance $2,500 - $9,999	Dividend Rate 0.25%	APY 0.25%
Term 3-5 Months	Balance Over $10,000	Dividend Rate 0.25%	APY 0.25%
Term 6 Month Promotional Certificate*	Balance over $1,000	Dividend Rate 4.67%	APY 4.75%
Term 6-11 Months	Balance $1,000 - $2,499	Dividend Rate 1.00%	APY 1.00%
Term 6-11 Months	Balance $2,500 - $9,999	Dividend Rate 1.00%	APY 1.00%
Term 6-11 Months	Balance Over $10,000	Dividend Rate 1.00%	APY 1.00%
Term 9 Month Promotional Certificate*	Balance Over $1,000	Dividend Rate 5.60%	APY 5.75%
Term 12 Month Promotional Certificate*	Balance Over $1,000	Dividend Rate 5.37%	APY 5.50%
Term 12-23 Months	Balance $1,000 - $2,499	Dividend Rate 1.29%	APY 1.30%
Term 12-23 Months	Balance $2,500 - $9,999	Dividend Rate 2.96%	APY 3.00%
Term 12-23 Months	Balance Over $10,000	Dividend Rate 2.96%	APY 3.00%
Term 24-35 Months	Balance $1,000 - $2,499	Dividend Rate 2.23%	APY 2.25%
Term 24-35 Months	Balance $2,500 - $9,999	Dividend Rate 3.21%	APY 3.25%
Term 24-35 Months	Balance Over $10,000	Dividend Rate 3.21%	APY 3.25%
Term 36-59 Months	Balance $1,000 - $2,499	Dividend Rate 2.28%	APY 2.30%
Term 36-59 Months	Balance $2,500 - $9,999	Dividend Rate 2.42%	APY 2.45%
Term 36-59 Months	Balance Over $10,000	Dividend Rate 2.42%	APY 2.45%
Term 60-120 Months	Balance $1,000 - $2,499	Dividend Rate 2.42%	APY 2.45%
Term 60-120 Months	Balance $2,500 - $9,999	Dividend Rate 2.42%	APY 2.45%
Term 60-120 Months	Balance Over $10,000	Dividend Rate 2.42%	APY 2.45%
*APY valid as of 7/21/2023. These promotions are a limited time offer. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Minimum balance of $1,000. The APY is based on an assumption that dividends will remain in the account until maturity. Early withdrawal penalties apply. Terms and conditions subject to change.

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Option Rate Term Certificate Accounts
Term	Balance	Dividend Rate	APY
Term 13-Month	Balance $10,000 - $24,999	Dividend Rate .15%	APY .15%
Term 13-Month	Balance $25,000 - $49,999	Dividend Rate .15%	APY .15%
Term 13-Month	Balance $50,000 - $99,999	Dividend Rate .15%	APY .15%
Term 24-Month	Balance $10,000 - $24,999	Dividend Rate .50%	APY .50%
Term 24-Month	Balance $25,000 - $49,999	Dividend Rate .50%	APY .50%
Term 24-Month	Balance $50,000 - $99,999	Dividend Rate .50%	APY .50%
Term 36-Month	Balance $10,000 - $24,999	Dividend Rate .75%	APY .75%
Term 36-Month	Balance $25,000 - $49,999	Dividend Rate .75%	APY .75%
Term 36-Month	Balance $50,000 - $99,999	Dividend Rate .75%	APY .75%
You have a one-time option to exchange the original dividend rate for the current rate offered during the first 12 months of the original term. Restrictions apply. See Option Rate disclosure for additional information or ask our staff.

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12-Month Add-On Term Certificate Account
Term	Dividend Rate	APY
Term 12 Months	Dividend Rate .40%	APY .40%

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IRA Term Certificate Accounts
Term	Dividend Rate	APY
Term 12 Months	Dividend Rate 5.37%	APY 5.50%
Term 18 Months	Dividend Rate .50%	APY .50%
Term 24 Months	Dividend Rate .75%	APY .75%
Term 60-120 Months	Dividend Rate .95%	APY .95%

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Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice until a specific certificate is opened. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms. Early withdrawal penalties apply. Deposits are generally not permitted, except for the Add-On certificate which allows deposits between $100.00 and $999.99. Certificates generally renew to a like term at the dividend rate in effect at renewal. Promotional certificates, when offered, may renew to standard certificates. Refer to the individual certificate disclosure for specific information.

Mortgages

We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans.

Home Equity Line of Credit
Max. Combined Loan-To-Value	Minimum Line	Maximum Line	Prime Rate	Margin	Variable APR without AutoPay	Variable APR with AutoPay*
Max. Combined Loan-To-Value Up to 70%	Minimum Line $10,000	Maximum Line $250,000	Prime Rate 8.50%	Margin 2.00%	Variable APR without AutoPay 10.50%	Variable APR with AutoPay* 10.00%
Must meet membership and account criteria. All loans subject to credit approval. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. The rate is variable and may adjust monthly but at no time can the interest rate be below our floor rate of 3.99% and cannot exceed the max rate of 15.00% APR. A $10,000 initial advance may be required. You may be required to reimburse us for closing costs if your line is closed in the first three years. *AutoPay from a BluPeak Checking Account is required to receive the lowest rate, otherwise add 0.50%.

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Autos (Model Year 2017 and Newer)
Term	APR as low as	Maximum Loan Amount
Term Up to 24 months	APR as low as 6.49%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 36 months	APR as low as 6.59%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 48 months	APR as low as 7.09%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 60 months	APR as low as 7.19%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 72 months	APR as low as 7.39%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 84 months	APR as low as 8.39%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

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Autos (Model Years 2013–2016)
Term	APR as low as	Maximum Loan Amount
Term Up to 24 months	APR as low as 7.49%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 36 months	APR as low as 7.59%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 48 months	APR as low as 8.09%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 60 months	APR as low as 8.19%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 72 months	APR as low as 8.39%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 84 months	APR as low as 9.39%	Maximum Loan Amount Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

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RV and Boat Loan Rates (Model Years 2013-2023)
Loan Type	APR as low as	Loan Term
Loan Type New RV	APR as low as 8.99% to 12.99%	Loan Term Up to 180 months
Loan Type Used RV	APR as low as 9.99% to 13.99%	Loan Term Up to 180 months
Loan Type New Boat	APR as low as 8.99% to 12.99%	Loan Term Up to 180 months
Loan Type Used Boat	APR as low as 9.99% to 13.99%	Loan Term Up to 180 months

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Must meet membership and account criteria. All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Some restrictions apply. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Additional discounts may be applicable, please ask BluPeak representative for more details. Financing may include dealer service contracts, such as Guaranteed Auto Protection and Mechanical Breakdown Insurance. BluPeak also offers similar service contracts at very reasonable rates. Please call our Member Service Center at 866.873.4968.

Interest rates and monthly payment information are only estimates. Actual rates and monthly payment amounts are based on your personal credit history and will be provided upon receipt of a completed loan application approved by BluPeak Credit Union. Payment Examples: 6.49% APR is based on approximately 24 monthly payments of $44.67 per $1,000 borrowed. 6.59% APR is based on approximately 36 monthly payments of $30.78 per $1,000 borrowed. 7.09% APR is based on approximately 48 monthly payments of $24.07 per $1,000 borrowed. 7.19% APR is based on approximately 60 monthly payments of $19.96 per $1,000 borrowed. 7.39% APR is based on approximately 72 monthly payments of $17.30 per $1,000 borrowed. 8.39% APR is based on approximately 84 monthly payments of $15.84 per $1,000.00 borrowed. RV and boat loan payment examples: 8.99% APR is based on approximately 84 monthly payments of $16.15 per $1,000 borrowed. 8.99% APR is based on approximately 120 monthly payments of $12.72 per $1,000 borrowed. 8.99% APR is based on approximately 180 monthly payments of $10.18 per $1,000 borrowed. Check out our calculators to calculate a payment example for your specific loan needs.

Personal Loans
Loan Type	Maximum Loan Amount	Loan Term	APR as low as
Loan Type Signature Loan	Maximum Loan Amount Up to $30,000	Loan Term Up to 96 months	APR as low as 10.49%
Loan Type Share Secured	Maximum Loan Amount Up to 100% of a BluPeak Credit Union Savings Account	Loan Term Up to 120 months	APR as low as Regular Savings Rate plus 3.00%
Must meet membership and account criteria. All loans subject to credit approval. Rate terms and conditions subject to change. Some restrictions apply. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. $40,000 is the max combined total unsecured loan limit/balances per member. 36 monthly payments of $32.65 for every $1,000 borrowed at 10.49% and requires automatic payments from a BluPeak Credit Union Checking Account, otherwise rate will increase by .50%.

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