Consumer Loan & VISA Rates October 1, 2015 (rates are subject to change)

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1 Consumer Loan & VISA Rates Loan Type Terms & Special Features Interest Rate (APR) 1 New and Used Auto Finance up to 120% of purchase price on new autos (not including tax, title, licensing and cancelable back end products). For vehicles 7 years old or newer, terms up to 84 months. Lowest rate stated is for 36 month term and A+ credit. 1.74% % (New Fixed) % % (Used Fixed) 2 Older Used Auto Finance up to 105% Kelly Blue Book, applies to vehicles 8-10 years old. Terms to 60 months. Lowest rate stated is for 60 month term and A+ credit. New or Used RV/Boat Finance up to 100% of purchase price on new, and 100% Kelly Blue Book on used. Terms to 15 years. Applies to RVs and boats 7 years old or newer. 2.49% % (Fixed) % % (Variable) 2 Bike Line of Credit / Personal Consolidation Share Secured Platinum VISA Classic VISA Minimum loan of $750, maximum loan of $5,000. Terms up to 36 months. Lowest rate is based on credit. Advance the Line of Credit online at pointwestcu.com or through SpeedyLine, our telephone teller. Terms up to 60 months for personal loans. Looking to consolidate your outstanding (non-pwcu) debt? Our consolidation loan will help you lower your monthly payments and eliminate excess debt (additional restrictions and requirements may apply). A loan to help members repair their credit. Deposit funds into a Point West share account or share certificate to secure the loan. Borrow up to 100% of the share balance. Loan status is reported to the credit bureaus. No annual or international transaction fees, auto rental and travel accident insurance, worldwide acceptance. Use as a charge card, ATM card, or for point-of-sale access. 25-day grace period, payment 3% of balance. No annual or international transaction fees, 25-day grace period, accepted worldwide. Use as a charge card or ATM card or for point-of-sale access. Payment 3% of balance. 3.99% % (Fixed) % % (Variable) % % (Fixed) % (Fixed) 8.95% purchase rate 12.45% cash advance rate + $5 fee 14.99% purchase rate 18.49% cash advance rate + $5 fee Fresh Start VISA $25 initial processing fee, 25-day grace period, accepted worldwide. Use as a charge or ATM card, or for point-ofsale access. Payment 3% of balance. No international transaction fees % purchase rate 21.40% cash advance rate + $5 fee 1 APR= Annual Percentage Rate. All rates are subject to change. All rates are variable, unless noted otherwise, and are tied to the Prime Rate. Rate changes the 1 st day of the month after the Prime Rate index changes. You will receive written notification in advance of any increase. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral, and your credit score. All loans are subject to credit approval. Call Point West s Consumer Loan Center at or for the latest rates and terms. 2 For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments. 3 Lowest rate includes discounts for automatic payment (0.25%), direct deposit (0.50%) and a PWCU checking account (0.25%).

2 Business Loan & VISA Rates Loan Type Terms & Special Features Interest Rate (APR) 1 Secured Business Purpose Loans Business Line of Credit / Unsecured Business Purpose Loan Business Share Secured Loans Business VISA Credit Card Finance a variety of business needs, including vehicles, equipment and more. Fixed rates with terms up to 84 months. Maximum loan amount is <$50, Take your small business to the next level! Finance a variety of business needs with an unsecured business purpose loan or business line of credit with Point West. Contact the Point West Lending team for complete details regarding terms, maximum loan amounts and more. Maximum loan amount is <$50, A great option for small businesses in need of repairing or rebuilding their credit. Deposit funds into a Point West share account or share certificate to secure the loan. Borrow up to 100% of the share balance. Loan status is reported to the credit bureaus. Maximum loan amount is <$50, Get the spending power you need to take your small business to the next level with a Point West VISA Business credit card. Earn ScoreCard Rewards Points on all purchases. No annual or international transaction fees, auto rental and travel accident insurance, and worldwide acceptance. Features a 25-day grace period, with payment due just 3% of balance. Maximum loan amount is <$50, % % (New Fixed) % % (Used Fixed) % % (Variable) % (Fixed) 8.95% purchase rate 12.45% cash advance rate + $5 fee 1 APR= Annual Percentage Rate. All rates are subject to change. All business loan applications include a $100 application fee. All rates are variable, unless noted otherwise, and are tied to the Prime Rate. Rate changes the 1 st day of the month after the Prime Rate index changes. You will receive written notification in advance of any increase. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral, and your credit score. All loans are subject to credit approval. Call Point West s Consumer Loan Center at or for the latest rates and terms. 2 For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments.

3 Home Mortgage & Home Equity Loans Loan Type Features Rates (APR) and Terms Home Equity Line of Credit (HELOC) 1 - Variable Access an equity line of credit for up to 90% loan to value (LTV). Variable rate, tied to the Federal prime rate. Access funds by check or transfer. Up to 90% Loan to Value (LTV) Prime Rate + Interest Margin Margin as low as +0.25% APR 2 As low as 3.25% APR 2 Home Equity Line of Credit (HELOC) 1 - Fixed Lock in a fixed rate on your home equity line of credit for up to 15 years. Access an equity line of credit for up to 90% loan to value (LTV). No annual fee. Access funds by check or transfer. Up to 90% Loan to Value (LTV) As low as 4.25% APR 2 Home Equity Fixed Term Loan Access an equity loan for up to 90% loan to value (LTV). A fixed rate with no annual fee. Up to 90% Loan to Value (LTV) As low as 3.75% APR 2 Purchases & Refinances Visit our website at pointwestcu.com and click on Home in the Loans section for details on purchases and refinances through Point West with our partners, CU Members Mortgage. Call for details or apply online at pointwestcu.com 1 To qualify for a HELOC, member must have sufficient home equity to qualify for minimum line of $5,000. Rates change the first day of the following month after Prime Rate index changes. Minimum payment 1.5% of outstanding balance. The margin connected to Prime Rate is determined by credit score. Maximum rate of 18.00% APR. 2 APR= Annual Percentage Rate. Rates for all Point West Credit Union loans connected to home equity are determined by credit score and loan to value. Rates stated above are based on A+ credit. Minimum Line of Credit for the Fixed HELOC is $5,000. For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments.

4 Checking Accounts Earn with Eco Checking. Good for you. Good for us all. Point West Credit Union is rooted in the cooperative nature of credit unions- we are all about people helping people. And in this case, we are people helping people and the environment, with some earnings, all mixed in. Use your credit union to the fullest and earn more with Eco Checking. It is good for you, and good for your credit union. Account details are listed below. Speak with a Member Service Representative if you have any questions. Account Type/Minimum Balance Features Dividend Rate / APY 1 Eco Checking/$0 Features 2.50% APY on balances up to $15,000, plus 0.25% APR discount on loans, no minimum balance, and special promotions just for Eco Checking members. 2 $0 $15, % / 2.529% Above $15,000 No Dividends Bonus Checking/$0 Features 0.50% APY on balances up to $15,000, plus 0.25% APR discount on loans and special promotions just for Bonus Checking members. 3 $0 - $15, % / 0.501% Above $15,000 No Dividends Standard Checking/$0 Features 0.25% APR discount on loans and no minimum balance. No Dividends Fresh Start Checking/$0 For members who do not qualify for Standard Checking because of damaged credit and/or a Chex Systems record. Includes a $10 monthly service fee. Ask a Member Service Representative for details No Dividends 1 APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. No enrollment is necessary to receive Dividend Rate/APY. Dividend Rate/APY are applied to balances up to $25,000. Dividend Rate/APY is accrued daily and paid monthly. Dividend Rate/APY is applied to one checking suffix per account. Dividend Rate/APY is only applied to one account per primary member. Requirement period runs from the 28th of the prior month to the 27th of the current month. 2 Eco Checking requires 5 credit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-statements in the requirement period. Loan discounts do not apply to VISA credit cards or real estate loans. 3 Bonus Checking requires 5 debit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-statements in the requirement period. Loan discounts do not apply to VISA credit cards or real estate loans. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current earnings. Future rates cannot be guaranteed. Dividends are computed from day of deposit to day of withdrawal and posted on the last day of the month. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency on compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at pointwestcu.com. Call Member Services at for additional service or assistance.

5 Business Accounts & Services Account Type/Minimum Balance Features Dividend Rate / APY* Business Savings /$5 Earn daily dividends, paid monthly. Minimum Balance of $5. $0 - $9, % / 0.000% $10,000 - $24, % / 0.000% $25,000-$49, % / 0.000% $50,000-$99, % / 0.000% $100,000 or more 0.00% / 0.000% Business Eco Checking/ $0 Checking account featuring 2.50% APY on balances up to $15,000, plus 0.25% APR discount on loans, no monthly fees, and special promotions just for Eco Checking members. See * below for Eco Checking requirements and limitations. $0 - $15, % / 2.529%* Above $15,000 No Dividends Money Market /$2,500 Up to 6 withdrawals or transfers per month. Make transfers through Online Banking, SpeedyLine telephone teller, or in person. This account does not pay dividends on balances of less than $2,500. $0 - $9, % / 0.025% $10,000 - $24, % / 0.050% $25,000-$49, % / 0.050% $50,000-$99, % / 0.125% $100,000 or more 0.250% / 0.250% Merchant Card Services If your business is expanding, the need for a flexible credit card payment system can be critical to your continuing success. Choosing the right financial partner for your merchant program can be equally important. Point West Credit Union s Merchant Bankcard Service Program uses a state-of-the-art system. Credit card and purchase card transactions can be processed electronically through a point-of-sale (POS) terminal, a touch-tone phone, or PC, and automatically deposited into your business account. Point West Credit Union s Merchant Bankcard Service Program provides the following: - Straightforward pricing with month-to-month service agreement. - Complete training for your staff. - Competitive discount rates designed to give you the best rate based on your processing method and volumes hour customer service. - Detailed statements identifying bankcard activity each month by location. - Varied processing options, including automated response (ARU), PC processing or merchant terminal processing. - Experienced personnel who understand merchant bankcard services and applications. - A helpful, solution-focused customer service representative when you call with a problem or inquiry. *Dividend Rate/APY may change at any time. No enrollment is necessary to receive Dividend Rate/APY. Dividend Rate/APY are applied to balances up to $25,000. Dividend Rate/APY is accrued daily and paid monthly. Dividend Rate/APY is applied to one checking suffix per account. Dividend Rate/APY is only applied to one account per primary member. Requirement period runs from the 28 th of the prior month to the 27 th of the current month. Eco Checking requires 5 credit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-statements in the requirement period. Loan discounts do not apply to VISA credit cards or real estate loans. Savings and Money Market Transfer Limitations- Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including SpeedyLine and Online Banking) to another account of yours or a third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health club), including orders received through the Automated Clearing House (ACH). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM. No monthly fee if enrolled in paperless estatements. Otherwise fee is $2/month. APR= Annual Percentage Rate. APY=Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current earnings. Future rates cannot be guaranteed. Dividends on are computed from day of deposit to day of withdrawal and posted on the last day of the month. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency on compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at pointwestcu.com. Call Member Services at for additional service or assistance.

6 Savings Accounts & Investments Account Type/Minimum Balance Special Features Dividend Rate / APY* High Yield Savings /$5 Club Accounts /$0 Early daily dividends, paid monthly. Deposit, withdraw, or transfer with an ATM Card, featuring worldwide ATM access. Or save for taxes or special occasions with our Club Accounts. No ATM access to club accounts. $0 - $9, % / 0.000% $10,000 - $24, % / 0.000% $25,000 - $49, % / 0.000% $50,000 - $99, % / 0.000% $100,000 or more 0.00% / 0.000% Money Market /$2,500 Up to 6 withdrawals or transfers per month. Make transfers through Online Banking, Speedy Line telephone teller, or in person. This account does not pay dividends on balances of less than $2,500. $0 - $9, % / 0.025% $10,000 - $24, % / 0.050% $25,000 - $49, % / 0.050% $50,000 - $99, % / 0.125% $100,000 or more 0.250% / 0.250% Share Certificates Dividends are calculated daily and paid monthly. Penalties are assessed for early withdrawal. NCUA insurance is $250,000 per member. Ask a Member Service Representative for details regarding NCUA insurance. For details on Share Certificates, please contact Point West at to speak with a Member Service Representative. Certificate Type Term Deposit Dividend Rate / APY Member+ Share Certificates 1 12 months $500 - $200, % / 0.500% Regular Share Certificates 2 12 months 24 months 36 months $500 - $200,000 $500 - $200,000 $500 - $200, % / 0.250% 0.499% / 0.500% 0.747% / 0.750% 1 Member + Share Account Disclosures: Minimum Certificate deposit of $500, maximum deposit of $200,000. Member + Certificates require a Point West Checking Account and debit card, plus three of the following products/services: direct deposit, consumer loan, VISA credit card with activity, e-statements, or youth saving account affiliation with automatic transfer to the youth account. Conditions apply if not all criteria are maintained for the term of the certificate. For complete details please speak with a Member Service Representative Regular Share Account Disclosures: Minimum Certificate deposit of $500, maximum deposit of $200,000. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at for details Savings and Money Market Transfer Limitations Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including Speedy Line and Online Banking) to another account of yours or a third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health club, including orders received through the Automated Clearing House (ACH)). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM. No monthly fee if enrolled in paperless estatements; otherwise fee is $2/month. *APY = Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current earnings. Future rates cannot be guaranteed. Dividends are computed from day of deposit to day of withdrawal and posted on the last day of the month. The Annual Percentage yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at pointewestcu.com. Call Member Services at for additional service or assistance.

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