8.50% APR** 13.50% APR** 15.00% APR**

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1 Current Prime is 3.50% effective 12/17/2015 as published in the Wall Street Journal Annual Percentage s(apr)* and yields effective as of December 24, 2015 and are subject to change. *The rate may vary depending on each individual's credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. MyPreferred Visa MyPreferred Plus Visa MyChoice Visa MyChoice Plus Visa 7.00% APR** 8.50% APR** 13.50% APR** 15.00% APR** There may be costs associated with the use of a Heritage Federal Credit Union Visa Card. For more specific information about such costs, call us at (812) For long distance, call You may also write to us: Heritage Federal Credit Union Visa Dept., P.O. Box 189, Newburgh, IN **Variable rate credit cards will use Wall Street Journal prime as the index, plus a margin to determine the final rate. s can adjust monthly based on the rate as published in the Money s Section of the Wall Street Journal in effect on the last day of each calendar month. For external balance transfers, there is no balance transfer fee. For balances transferred from an existing HFCU Visa Classic or HFCU Platinum Visa, a 4% fee will apply. Traditional Auto and Truck Loan s Add.50% for each 25,000 miles (or fraction of 25,000) over 100,000 miles up to a 2% to 60 months as low as 2.34% $ to 66 months as low as 2.34% $ to 72 months as low as 2.99% $ to 84 months* as low as 3.99% $ to 60 months as low as 2.84% $ to 66 months as low as 2.84% $16.39

2 to 72 months as low as 3.49% $ to 84 months as low as 4.49% $ to 60 months as low as 3.59% $ to 66 months as low as 4.09% $ to 72 months as low as 4.74% $ or older 1 to 60 months as low as 4.59% $ or older 61 to 66 months as low as 5.09% $ or older 67 to 72 months as low as 5.74% $16.46 Traditional Watercraft Loan s to 60 months as low as 2.97% $ to 66 months as low as 3.47% $ to 72 months as low as 3.97% $ to 84 months* as low as 5.47% $ to 96 months* as low as 5.97% $ to 120 months* as low as 6.47% $ to 60 months as low as 3.47% $ to 66 months as low as 3.97% $ to 72 months as low as 4.47% $ to 84 months as low as 5.97% $ to 96 months as low as 6.47% $ to 120 months as low as 6.97% $ to 60 months as low as 3.97% $ to 66 months as low as 4.47% $ to 72 months as low as 4.97% $ or older 1 to 60 months as low as 4.72% $18.75 Traditional Motorcycle Loan s to 60 months as low as 2.69% $ to 66 months as low as 2.69% $ to 72 months as low as 3.39% $ to 60 months as low as 3.19% $ to 60 months as low as 3.94% $ or older 1 to 48 months as low as 4.94% $23.01

3 Traditional Recreational Vehicle Loan s to 60 months as low as 4.19% $ to 66 months as low as 4.69% $ to 72 months as low as 5.19% $ to 84 months* as low as 6.69% $ to 96 months* as low as 7.19% $ to 120 months* as low as 7.69% $ to 60 months as low as 4.69% $ to 66 months as low as 5.19% $ to 72 months as low as 5.69% $ to 84 months as low as 7.19% $ to 96 months as low as 7.69% $ to 120 months as low as 8.19% $ to 60 months as low as 5.69% $ to 66 months as low as 6.19% $ to 72 months as low as 6.69% $ or older 1 to 60 months as low as 6.19% $19.42 Traditional Other Secured Loan s to 60 months as low as 5.19% $ to 60 months as low as 5.69% $ to 60 months as low as 6.69% $ or older 1 to 60 months as low as 7.19% $19.90 Signature Up to $25,000 1 to 60 months as low as 8.99% $20.76 Share Secured Up to $99,999 Contact us for terms share rate % Certificate Secured Up to $99,999 Contact us for terms certificate rate %

4 Line of Credit Up to $10, % 3% of balance $15 minimum monthly payment Fixed Home Equity & Bridge Loans (Up to 80% loan to value) 1 to 60 months as low as 3.49% $ to 120 months as low as 4.24% $ to 180 months as low as 4.99% $7.91 Fixed Home Equity (80.01% to 90% loan to value) 1 to 60 months as low as 4.49% $ to 120 months as low as 5.24% $10.73 Home Improvement Loan 1 to 60 months $7,500 Max as low as 7.99% $20.28 Simply Easy Refi First Mortgage Refi Only - $199 Closing Cost - Maximum LTV 80% No Cash Out - Maximum LTV 70% 1 to 84 months as low as 2.99% $ to 180 months as low as 3.99% $7.40 Variable Home Equity Line of Credit No closing costs on advances of $10,000 or greater. Call us concerning any applicable home equity fees or closing costs. Available up to 90% LTV Call for rates s starting as low as Prime -.25% with a maximum APR which will not exceed 18.00% and a rate floor of 3.00%. Any HELOC rate changes will occur on the first of the month Equal Housing Lender Uninsured Second 1 to 60 months $10,000 Max as low as 7.99% $20.28

5 * Certain restrictions apply. Estimated monthly payment reflects minimum available APR and maximum available term. Apply online and save $40 in processing costs on all consumer loans. A fee of $40 charged for all loan modifications. Contact us for more details.