Rates

Checking Account Rates – Effective 12/16/24 – APY is accurate as of the last Dividend Declared Date – Until Further Notice

Account	APY²	Disclosures
Rewards Checking	0.05%	Non-Qualified Tier
–	1.00%	Qualified Tier 1 ($0 – $20,000)
–	0.20%	Qualified Tier 2 (Over $20,000)
Classic Checking	0.00%	Qualified Tier 1 ($0.00 – $500.00)
–	0.05%	Qualified Tier 2 ($500 minimum balance to earn dividends and avoid a service charge.)

Classic Checking rates may change quarterly. Rewards Checking rates may change daily. To obtain current rate information call (405) 722-2234 or 1-800-324-8259.
APY² – Annual Percentage Yield
The Rewards checking account rates are tiered based on daily balance and monthly qualifications as stated in the Truth In Savings disclosure for share accounts.

Savings Account Rates – Effective 12/16/24 – APY is accurate as of the last Dividend Declared Date – Until Further Notice

Account	APY²	Disclosures
Savings	0.05%	$5 minimum balance to earn dividends
Christmas Club	0.05%	$25 minimum balance to earn dividends

Rates may change quarterly. To obtain current rate information call (405) 722-2234 or 1-800-324-8259.
APY² – Annual Percentage Yield

Money Market Rates

Tier	APY²
$2,000 and Greater	0.20%
$0 to $1,999.99	0.05%

Money Market rates may change at any time. To obtain current rate information call (405) 722-2234 or 1-800-324-8259.
APY² – Annual Percentage Yield

Certificate of Deposit

Term	Amount	Dividend Rate	APY²
6 Months	$0.00 – $74,999.99	0.50%	0.50%
–	$75,000.00+	0.65%	0.65%
12 Months	$0.00 – $74,999.99	0.65%	0.65%
–	$75,000.00+	0.75%	0.75%
18 Months	$0.00 – $74,999.99	0.75%	0.75%
–	$75,000.00+	0.85%	0.85%
24 Months	$0.00 – $74,999.99	0.85%	0.85%
–	$75,000.00+	0.95%	0.95%
30 Months	$0.00 – $74,999.99	1.00%	1.00%
–	$75,000.00+	1.04%	1.05%
36 Months	$0.00 – $74,999.99	1.04%	1.05%
–	$75,000.00 – $224,999.99	1.09%	1.10%
–	$225,000.00+	1.14%	1.15%
48 Months	$0.00 – $74,999.99	1.09%	1.10%
–	$75,000.00 – $224,999.99	1.14%	1.15%
–	$225,000.00+	1.19%	1.20%
60 Months	$0.00 – $74,999.99	1.14%	1.15%
–	$75,000.00 – $224,999.99	1.19%	1.20%
–	$225,000.00+	1.24%	1.25%

The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.
Dividend Rate – Expected earnings expressed on an annual basis.
APY² – Annual Percentage Yield
CD Share Certificate accounts have up to a $1,000 minimum to open based on tiered minimums and terms, and penalties for early withdrawals may apply.
Rates are variable and may change at any time. After the certificate is opened, the rate is fixed for the duration of the term. To obtain current rate information call (405) 722-2234 or 1-800-324-8259.

IRA Certificate of Deposit

Term	Amount	Dividend Rate	APY²
6 Months	$0.00 – $74,999.99	0.50%	0.50%
–	$75,000.00+	0.65%	0.65%
12 Months	$0.00 – $74,999.99	0.65%	0.65%
–	$75,000.00+	0.75%	0.75%
18 Months	$0.00 – $74,999.99	0.75%	0.75%
–	$75,000.00+	0.85%	0.85%
24 Months	$0.00 – $74,999.99	0.85%	0.85%
–	$75,000.00+	0.95%	0.95%
30 Months	$0.00 – $74,999.99	1.00%	1.00%
–	$75,000.00+	1.04%	1.05%
36 Months	$0.00 – $74,999.99	1.04%	1.05%
–	$75,000.00 – $224,999.99	1.09%	1.10%
–	$225,000.00+	1.14%	1.15%
48 Months	$0.00 – $74,999.99	1.09%	1.10%
–	$75,000.00 – $224,999.99	1.14%	1.15%
–	$225,000.00+	1.19%	1.20%
60 Months	$0.00 – $74,999.99	1.14%	1.15%
–	$75,000.00 – $224,999.99	1.19%	1.20%
–	$225,000.00+	1.24%	1.25%

The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.
Dividend Rate – Expected earnings expressed on an annual basis.
APY² – Annual Percentage Yield
IRA certificate accounts have up to a $1,000 minimum to open based on tiered minimums and terms, and penalties for early withdrawals may apply.
Rates are variable and may change at any time. After the certificate is opened, the rate is fixed for the duration of the term. To obtain current rate information call (405) 722-2234 or 1-800-324-8259.

Loans

Type	As Low as (APR¹)	As High as (APR¹)	Disclosures
Secured Loans	6.99%	18.00%	Rate determined by credit score
Unsecured Loans	13.99%	18.00%	Rate determined by credit score

APR¹ – Rates are based on the borrower’s creditworthiness and other factors. Not all applicants will qualify for the lowest rate.
All Consumer and Mortgage loans are closed-end loans, except for the home equity line of credit which is an open-end loan. The home equity line of credit has a variable rate that is subject to change quarterly.

Fees may reduce earnings on deposit accounts. Our fee schedule can be accessed from the Truth In Savings disclosures. Call or visit a branch for more information.
Credit Union reserves the right to discontinue or modify specials at any time, for any reason, without prior notification.