Rates

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash^® account during each Monthly Qualification Cycle:

• At least 12 debit card purchases
• Be enrolled in and agree to receive eStatements
• Be enrolled in and log into online banking

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back^® rewards automatically qualifies you for the highest Kasasa Saver^® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

• At least 12 debit card purchases
• Be enrolled in and agree to receive eStatements
• Be enrolled in and log into online banking

¹ Matures November 1. $10 for early withdrawal.

Dividends paid monthly

Dividends paid quarterly. IRA accounts subject to additional internal revenue service penalties.

Dividends paid monthly. Subject to penalty for early withdrawal.

Dividends paid monthly. Subject to penalty for early withdrawal.

Dividends paid monthly. Subject to penalty for early withdrawal.

Dividends paid monthly. Subject to penalty for early withdrawal.

Dividends paid monthly. Subject to penalties for early withdrawal. If rates go up, you can bump your rate once during the term. Additional deposits not accepted during term. Bump-up rate will match the then-current 36/48 month regular Certificate in effect for the $10,000 balance tier at the time the bump up option is exercised. New rate will carry forward from the date of increase and will not be retroactive.

Annual Percentage Rates (APR) subject to change without notice and are our best rates for excellent credit. Your individual rate will be based on approved credit determined by managed-risk program and may vary depending on creditworthiness.

² Unsecured personal loans are closed-end loans, not lines of credit, and may not be repeatedly refinanced to individual maximum limits.

³ Only Glendale City employees are eligible for zero-percent computer loans. Requires city approval. City reimburses 7% to employees via credits to paychecks over the two-year period.

Up to 100% financing for: New purchase price, or Retail blue book + MBI/GAP.

You can receive a reduction of 1/2% of your calculated interest rate on a new or used auto loan if you have net direct deposit to a Glendale FCU checking account; and/or a reduction of 1/4% with 20% down. However, the minimum discounted APR cannot be less than our rate for 24 month auto loans. Rates cannot go below floor rates. Rates may vary.

Add 2% to rates on model years that are older than 7 years from the current year.

Up to 80% Loan-to-Value

Real Estate loan interest rates are based on market conditions and are not reduced if payments are made by payroll deduction. Owner-occupied. Loans more than 80% loan-to-value require PMI (Private Mortgage Insurance).

Annual Percentage Rates (APR) subject to change without notice and are our best rates for excellent credit. Your individual rate will be based on approved credit determined by managed-risk program and may vary depending on creditworthiness.

^ Rate adjusts semi-annually as outlined in the loan agreement and is based on the borrower's credit history at time of application. Maximum possible APR is 15% over the life of the loan, but no more than 5 percentage points over the starting APR, and be raised by no more than 2 percentage points per year. Minimum initial advance is $5,000; minimum subsequent advances are $500.

We are an Equal Housing Lender, and do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.