Rates - Novation

New Vehicle

Model Years 2022 & Newer, up to 60 Month Term	6.25% APR*
Model Years 2022 & Newer, 61 - 72 Month Term	6.75% APR*
Model Years 2022 & Newer 73 - 84 Month Term, Minimum $50,000 Loan	7.25% APR*

Payment on a $20,000, 60 month New Auto loan at 6.25% APR is $389.00 per month.

Used Vehicle

Model Years 2017 - 2021, up to 60 Month Term	6.75% APR*
Model Years 2017 - 2021, 61 - 72 Month Term	7.25% APR*
Model Years 2014 - 2016, up to 60 Month Term	7.75% APR*
All Models 10 Years or Older, up to 48 Month Term	9.75% APR*

Payment on a $20,000, 60 month Used Auto loan at 6.75% APR is $393.68 per month.

New Recreational Vehicles

Model Years 2022 & Newer: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers, up to 84 Month Term	7.25% APR*
Model Years 2022 & Newer: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers, 85 -180 Month Term	7.99% APR*

Payment on a $10,000, 60 month RV loan at 7.25% APR is $199.20 per month.

Used Recreational Vehicles

Model Years 2021 & Older: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers, up to 84 Month Term	7.99% APR*
Model Years 2021 & Older: Boats, Motorcycles, Snowmobiles, ATV's, Personal Watercraft, Campers, 85 -180 Month Term	8.75% APR*

Payment on a $10,000, 60 month RV loan at 7.99% APR is $202.73 per month.

Home Equity - Fixed Rate

80% Loan to Value, Up to 60 Month Term	6.24% APR*
80% Loan to Value, 61 - 120 Month Term	6.75% APR*
80% Loan to Value, 121 - 180 Month Term	7.24% APR*
90% Loan to Value, Fixed Rate, Up to 60 Month Term	6.99% APR*
90% Loan to Value, 61 - 120 Month Term	7.49% APR*
90% Loan to Value, 121 - 180 Month Term	7.99% APR*

Payment on a $20,000, 5 year Home Equity loan at 6.24% APR is $388.90.

Home Equity Line-Of-Credit

90% Maximum Loan to Value. Variable Rate.

8.50% APR*

Loans over 80% loan-to-value will require an appraisal.

Home Improvement

Maximum Amount Financed is $30,000

9.49% APR*

Payment on a $20,000, 120 months Home Improvement loan at 9.49% APR is $258.70.

Visa Credit Card

Platinum with Rewards, No Annual Fee

8.90% APR*

Line of Credit

Line of Credit with Checking

12.50% APR*

Savings Secured

Secured by Savings or a Certificate of Deposit

3.00% APR*

Lifestyle

Unsecured

11.49% APR*

Payment on a $10,000, 48 month Lifestyle loan at 11.49% APR is $260.85 per month.

Private Student Loans

No Origination, No Prepayment Penalty, Line of Credit, Variable Rate

10.50% APR*

Student Loan Refinance

Fixed rate, No origination, No Prepayment Penalty, up to $100,000, 5 year repayment	4.95% APR*
Fixed rate, No origination, No Prepayment Penalty, up to $100,000, 10 year repayment	5.95% APR*
Fixed rate, No origination, No Prepayment Penalty, up to $100,000,15 year repayment	6.95% APR*
Variable rate, No Origination, No Prepayment Penalty, up to $100,000, 15 year repayment	10.25% APR*

*The Private Student Loan and Student Loan Refinance variable rate products will adjust quarterly on the first of the month using the Prime Rate as published in the Money section of The Wall Street Journal on the first business day of the preceding month. Payment on a $20,000, 5 year Fixed Student Loan Consolidation at 4.95% APR is $375.42 per month. Rates shown for the Student Loan Refinance Fixed Rate Loan reflect a 0.25% discount for automatic electronic payments.

Loan rates effective October 10, 2023, excluding Student Loans, and subject to change without notice.
Student Loan Rates effective October 1, 2023.

*APR = Annual Percentage Rate. All rates listed are "as low as" and based upon credit history. Home Equity Line of Credit is a variable rate product but will not exceed 18% APR.

Mortgage	Term	Rate	APR	Monthly Payment
30 Year Fixed	30 years	7.00%	7.066%	$1,496.93
20 Year Fixed	20 years	6.75%	6.836%	$1,710.82
15 year Fixed	15 years	6.625%	6.732%	$1,975.49
10 Year Fixed	10 years	6.50%	6.649%	$2,554.83
10/1 ARM	30 years	N/A	N/A	N/A
7/1 ARM	30 years	N/A	N/A	N/A
5/1 ARM	30 years	N/A	N/A	N/A
30 Year FHA	30 years	7.00%	7.066%	$1,496.93
15 Year FHA	15 years	7.125%	7.223%	$2,038.12

*APR = Annual Percentage Rate. Equal Housing Lender. NMLS#774681.

Loan rates effective November 27, 2023. Rates for mortgages change daily and are subject to change without notice. This is not a credit decision or a commitment to lend. Not all loan programs are available in all states for all loan amounts. The rates shown above are for the purchase of a single-family home to be used as a primary residence with a loan amount of $225,000 located in Minnesota and loan-to-value of 80%. The rate is based on a 45-day rate lock with a 740 credit score and escrow account. Your interest rate may depend on various factors including: loan product, loan size, credit profile, property value, geographic location, occupancy and other factors. All loans subject to approval and must qualify for membership. Maximum finance amount is $726,200.

Primary Savings

Balance	Dividend	APY*
$5 Minimum Deposit	0.10 %	0.10 %

Incentive Checking

Balance	Dividend	APY*
$0 - $25,000	1.49%	1.50%

Money Market

Balance	Dividend	APY*
$1,000 - $49,999.99	0.90%	0.90%
$50,000 - $99,999.99	1.09%	1.10%
$100,000 +	1.24%	1.25%

Certificates of Deposit

Term	Dividend	APY*
13 Months	3.45 %	3.50 %
12 Months	0.15%	0.15 %
24 Months	0.15 %	0.15 %
36 Months	0.15 %	0.15 %

High Yield Savings

Balance	Dividend	APY*
$5 - $9,999.99	0.00 %	0.00 %
$10,000 +	3.20 %	3.25 %

A $5 minimum deposit is required to maintain account.

Jump Up Certificate

Term	Dividend	APY*
11 Months	5.00%	5.00%

Youth Savings

Balance	Dividend	APY*
Up to $10,000		3.25

Youth Checking

Balance	Dividend	APY*
up to $5,000		1.50

Rates effective September 25, 2023.

* APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings.

Minimum deposit amount of $500 for Certificate of Deposits. Penalty for early withdrawal of Certificate of Deposits. Novation deposits are federally insured up to $250,000 by the NCUA.

For Incentive Checking: To receive dividends you must meet the following requirements per month: (1) one payroll direct deposit, (2) must be enrolled in eStatements with a valid email address and (3) 12 Novation debit OR credit card purchase transactions that must average at least $5, excluding cash advances, ATM transactions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by check card use. Debit and credit card transactions CANNOT be combined to meet the 12 transactions minimum. Accounts that meet the requirements will receive dividends on balances up to $25,000. Resulting APY if requirements are not met or for balances in excess of $25,000 is 0%. Incentive Checking rates and program subject to change.

Calculators