Rates

share certificate rates
Account Name	Minimum to Open/Earn APY	Dividend Rate	Annual Percentage Yield (APY)
6 Months Share Certificate	$ 1,000 / $1,000	.10%	.10%
12 Months Share Certificate	$ 1,000 / $1,000	.20%	.20%
18 Months Share Certificate	$ 1,000 / $1,000	.25%	.25%
24 Months Share Certificate	$ 1,000 / $1,000	.35%	.35%
36 Months Share Certificate	$ 1,000 / $1,000	.50%	.50%

See your Valley Strong Truth-In-Savings Disclosure (About Your Credit Union Accounts) for the dividend compounding method of calculating dividends, early withdrawal penalties and general terms and conditions. There is a 10-day grace period after maturity to make changes/withdrawals with no penalty.

Rates effective as of 10/12/2021.
All rates, terms and conditions subject to change.

simple saver certificate rates
Account Name	Minimum to Open/Earn APY	Dividend Rate	Annual Percentage Yield (APY)
12 Months Simple Saver Certificate	$25 / $25	.05%	.05%

Fees may reduce earnings. Early withdrawal penalties may apply. A minimum of $25 must be deposited monthly to the  Simple Saver Certificate through some form of automated transaction (e.g. payroll deduction or automatic transfer).

Rates effective as of 10/12/2021.
All rates, terms and conditions subject to change.

Traditional/Roth/Coverdell/IRA Certificates
Account Name	Minimum to Open/Earn APY	Dividend Rate	Annual Percentage Yield (APY)
12 Months Traditional/Roth/Coverdell/ IRA Certificate	$1,000 / $1,000	.20%	.20%
24 Months Traditional/Roth/Coverdell/ IRA Certificate	$1,000 / $1,000	.35%	.35%
36 Months Traditional/Roth/Coverdell/ IRA Certificate	$1,000 / $1,000	.50%	.50%

See your Valley Strong Truth-In-Savings Disclosure (About Your Credit Union Accounts) for the dividend compounding method of calculating dividends, early withdrawal penalties and general terms and conditions. There is a 10-day grace period after maturity to make changes/withdrawals with no penalty.

Rates effective as of 10/12/2021.
All rates, terms and conditions subject to change.

HEALTH SAVINGS Account Rates
Account Name	Minimum To Open/Earn APY	Dividend Rate*	Annual Percentage Yield (APY)
Health Savings Account (Club or Checking)	$100 / $0	.10%	.10%

*Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

money market ACCOUNTS
Account Name	Minimum To Open/Earn APY	Dividend Rate*	Annual Percentage Yield (APY)
$1,000.00 - $9,999.99	$1,000 / $1,000	.05%	.05%
$10,000.00 - $49,999.99	$1,000 / $1,000	.05%	.05%
$50,000.00 - $99,999.99	$1,000 / $1,000	.10%	.10%
$100,000.00 - $249,999.99	$1,000 / $1,000	.15%	.15%
$250,000.00 - $499,999.99	$1,000 / $1,000	.20%	.20%
$500,000.00 and over	$1,000 / $1,000	.30%	.30%

*Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

Rates effective as of 10/12/2021.
All rates, terms and conditions subject to change.

Summer Pay Account Rates
Account Name	Minimum To Open/Earn APY	Dividend Rate*	Annual Percentage Yield (APY)
Summer Pay Account	$0 / $0	.10%	.10%

*Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

Rates effective as of 10/12/2021.
All rates, terms and conditions subject to change.

Club Account Rates
Account Name	Minimum To Open/Earn APY	Dividend Rate*	Annual Percentage Yield (APY)
Club Account	$5 / $5	.10%	.10%
IRA Club Account	$100 / $100	.10%	.10%

*Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

Rates effective as of 10/12/2021.
All rates, terms and conditions subject to change.

SHARE ACCOUNTS
Account Name	Minimum Opening/Earn APY	Dividend Rate*	Annual Percentage Yield (APY)
Share Accounts thru $999.99	$5 / $5	.05%	.05%
Share Accounts $1,000 thru $4,999.99	$5 / $5	.05%	.05%
Share Accounts $5,000 thru $9,999.99	$5 / $5	.05%	.05%
Share Accounts $10,000 and Over	$5 / $5	.05%	.05%

*Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

Rates effective as of 10/12/2021.
All rates, terms and conditions subject to change.

CHECKING
Account Name	Minimum to Open/Earn APY	Dividend Rate	Annual Percentage Yield (APY)	Fees and Charges
CentsAble Checking	$25 / $0	.00%	.00%	**

**$0 monthly for Members who maintain a direct deposit or conduct twelve (12) or more check card or electronic debit transactions or maintain an average daily balance of $5,000 per month. Members who do not meet the above monthly qualifications will be charged a $5 service fee per month. Rates for checking accounts are variable and may change after the account is opened. Fees may reduce earnings.

CHECKING
Account Name	Minimum to Open/Earn APY	Dividend Rate	Annual Percentage Yield (APY)	Fees and Charges
Kappa Checking Account (ages 11 through 17)	$25 / $0	.00%	.00%

Rates for checking accounts are variable and may change after the account is opened. Fees may reduce earnings.

Personal Plus loan rates
Repayment Terms	Loan Amount	Fixed Rate Annual Percentage Rates2	Estimated Payment per $1,000.00
		Lowest – Highest	Lowest – Highest
Up to 60 months	< $10,000	10.50% - 17.75%	$21.49 - $25.26
Up to 120 months	$10,000 - $35,000	10.50% - 17.75%	$13.00 - $18.00

 

Rates Effective As 05/01/2022.
All rates, terms and conditions subject to change.

Account must be in good standing. Proof of income and credit approval required.
*Loan is unsecured and is not a mortgage product. Proof of home ownership required. Limit one per household.
¹No other discounts may apply. 
²Rates and terms will vary based on the credit worthiness of individual applicants.

Fixed-rate Mortgage Rates
Loan Term*	Rate	Points	Annual Percentage Rate
30 Year	5.125%	0.50%	5.214%
20 Year	4.625%	0.50%	4.743%
15 Year	4.25%	0.000%	4.323%
10 Year	3.875%	0.000%	3.979%

Rates Effective As 05/06/2022.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
Upon underwriting approval, the appraisal fee will be collected before the appraisal will be ordered.
*Conventional Payment Example: A loan amount of $647,200 for 30 years at 5.125% APR would have a monthly payment of $3,524 This example does not include taxes and insurance. Your actual payment obligation will be higher. 

Jumbo Fixed-rate Mortgage Rates
Loan Term*	Rate	Points	Annual Percentage Rate
30 Year	4.5%	1.000%	4.789%

Rates Effective As 05/06/2022.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
Upon underwriting approval, the appraisal fee will be collected before the appraisal will be ordered.
*Conventional Payment Example: A loan amount of $750,000 for 30 years at 4.5% APR would have a monthly payment of $3,800.This example does not include taxes and insurance. Your actual payment obligation will be higher.
Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo Loans. Private Mortgage Insurance is required on loans over 80% LTV

Construction loan Rates
Loan Term*	Rate	Points	Annual Percentage Rate
30 Year - Fixed	4.50%	1.0%	4.795%
30 Year - Adjustable (ARM*)	3.125%	5%	2.748%

Rates Effective As 05/06/2022.
All rates, terms and conditions subject to change.
*ARM - Adjustable Rate Mortgage. Interest rate and payment may change after loan funding.
Rates and terms will vary based on the credit worthiness of individual applicants.
Upon underwriting approval, the appraisal fee will be collected before the appraisal will be ordered.
*Payment Example: A loan amount of $647,200 for 30 years at 4.283% APR would have a monthly payment of $3,184. This example does not include taxes and insurance. Your actual payment obligation may be higher.
Annual Percentage Rates (APR) are based on loan amounts of $647,200 for conforming loans. Private Mortgage Insurance is required on loans over 80% LTV.

Jumbo Construction loan Rates
Loan Term*	Rate	Points	Annual Percentage Rate
30 Year - Fixed	4.5%	1.000%	4.788%
30 Year - Adjustable	3.125%	0.000%	2.742%

Rates Effective As 05/06/2022.
All rates, terms and conditions subject to change.
ARM - Adjustable Rate Mortgage
Rates and terms will vary based on the credit worthiness of individual applicants.
Upon underwriting approval, the appraisal fee will be collected before the appraisal will be ordered.
Payment Example: A loan amount of $750,000 for 30 years at 4.788% APR would have a monthly payment of $3,800. This example does not include taxes and insurance. Your actual payment obligation may be higher.
Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo Loans. Private Mortgage Insurance is required on loans over 80% LTV.

Investment loan rates
Conventional/Conforming – Fixed Rate Investment Mortgage
Loan Term*	Rate	Points**	Annual Percentage Rate
15 Year	4.5%	3.375%	4.897%
Rates Effective As 05/06/2022. All rates, terms and conditions subject to change. Rates and terms will vary based on the credit worthiness of individual applicants. *Investment Payment Example: A loan amount of $647,200 for 15 years at 4.5% APR would have a monthly payment of $4,951. This example does not include taxes and insurance. Your actual payment obligation may be higher. Minimum 20% down payment is required on 1 unit properties. Minimum 25% down payment is required on 2-4 unit properties. Annual Percentage Rates (APR) are based on loan amounts of $647,200 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio. Private Mortgage Insurance is required on loans over 80% LTV. **Base point structures listed are for loan-to-values up to 75%. If you are applying for a loan that has a loan-to-value between 75-80%, then the base point structure is increased by 1.000% additional points.
Adjustable Rate Investment Mortgage (ARM)
Loan Term***	Rate	Points	Annual Percentage Rate
15 Year 5/5 Adj Margin 1.750% Cap 2/5	2.625%	0.000%	2.536%
30 Year/15 Year Balloon³ 5/5 Adj Margin 1.750% Cap 2/5	3.0%	0.000%	2.625%

Rates Effective As 05/06/2022.
All rates, terms and conditions subject to change.
Rates and terms will vary based on the credit worthiness of individual applicants.
***Investment ARM Payment Example: A loan amount of $647,200 for 15 years at 2.625% APR would have a monthly payment of $4,354. This example does not include taxes and insurance. Actual payment obligation may be higher.
Minimum 20% down payment is required on all property types.
Annual Percentage Rates (APR) are based on loan amounts of $647,200 for conforming loans plus prepaid fees and 80% loan-to-value (LTV) ratio and does not included Private Mortgage Insurance (PMI). PMI is require on loans over 80% loan to value (LTV).
Adjustable Rate Mortgages 5/5 (ARM) has a fixed rate for an initial period of five years; then adjusts every five years thereafter and requires a minimum 20% down. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States treasury securities adjusted to a constant maturity of five years.
³A balloon payment will be due and payable on the 15- year maturity date. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of five years.

lot loan rates
Loan Term*	Rate	Points	Annual Percentage Rate
10 Year with balloon**	4.500%	1.000%	4.612%

Rates Effective As 05/06/2022.
All rates, terms and conditions subject to change.   *Payment Example: A loan amount of $150,000 for 30 years amortization with balloon payment at end of 10 years at 4.612% APR would have a monthly payment of $425. This example does not include taxes and insurance.
**A balloon payment will result; the amount and timing of the balloon payment that will result if the consumer makes only the minimum payments for the maximum period of time that the consumer is permitted to make such payments.
Rates and terms will vary based on the credit worthiness of individual applicants.
Upon underwriting approval, the appraisal fee will be collected before the appraisal will be ordered.
Annual Percentage Rates (APR) are based on loan amounts of $150,000 for Lot Loans. 
Residential Lots only, no Raw Land or excessive acreage  

Manufacturing housing rates
Loan Term*	Rate	Points	Annual Percentage Rate
30 Year	5.375%	.75%	5.488%
20 Year	4.875%	.75%	4.994%

Rates Effective As 05/06/2022.
Rates and terms will vary based on the credit worthiness of individual applicants.
*Manufactured Payment Example: A $647,200 loan for 30 years at 5.375% APR would have a monthly payment of $3,624. This example does not include taxes and insurance. Your actual payment obligation will be higher Annual Percentage Rates (APR) are based on loan amounts of $647,200 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio and does not include Private Mortgage Insurance (PMI). PMI is required on loans over 80% LTV.
Manufactured homes must be on a permanent foundation and a recorded “Notice of Manufactured Home, Mobile Home, or Commercial Coach Installation on a Foundation system,” also known as 433A, must be presented to us prior to approval. (Primary Residence and Vacation Homes).

5/5 ARM Conforming and Jumbo Loan Rates
Loan Program	Loan Term	Rate	Points	Adjustable Annual Percentage Rate
5/5 Conforming Adjustable Margin 1.750% Cap 2/5	30 Year	2.625%	0.00%	2.414%
5/5 Jumbo Adjustable Margin 1.750% Cap 2/5	30 Year	2.625%	0.00%	2.632%

Rates Effective As 05/06/2022.
Rates and terms will vary based on the credit worthiness of individual applicants.
5/5 ARM Conforming loan payment example: A loan amount of $647,200, for 30 years at 2.625% APR would have a monthly payment of $2,599. This example does not include taxes and insurance. Your actual payment obligation may be higher.
5/5 Jumbo ARM loan payment example: A $750,000 loan for 30 years at 2.632% APR would have a monthly payment of $3,213. This example does not include taxes and insurance. Actual payment obligation will be higher.
Jumbo loans are loan amounts starting at $647,201. Minimum 10% down required.
Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
*Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

7/1 ARM Conforming and Jumbo Loan Rates
Loan Program	Loan Term	Rate	Points	Adjustable Annual Percentage Rate
7/1 Conforming Adjustable Margin 2.375% Cap 5/2/5	30 Year	2.625%	0.00%	2.838%
7/1 Jumbo Adjustable Margin 2.625% Cap 5/2/5	30 Year	2.625%	0.00%	2.842%

Rates Effective As 05/06/2022.
Rates and terms will vary based on the credit worthiness of individual applicants.
7/1 ARM Conforming loan payment example: A $647,200 loan for 30 years at 2.838% APR would have a monthly payment of $2,599. This example does not include taxes and insurance. Actual payment obligation will be higher.
Annual Percentage Rates (APR) are based on loan amounts of $647,200 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
7/1 ARM Jumbo loan payment example: A $750,000 loan for 30 years at 2.842% APR would have a monthly payment of $3,576. This example does not include taxes and insurance. Actual payment obligation will be higher.
Jumbo loans are loan amounts starting at $647,201. Minimum 20% down required.
Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
*Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

powerhouse loan rates
Loan Type	Annual Percentage Rate	Maximum Term**	Maximum Loan-To-Value
Powerhouse 80	6.50%	20 Years	80%
Powerhouse 85	5.50%	15 Years	85%
Powerhouse 90	4.50%	10 Years	90%

Rates Effective As 03/29/2022.
Rates and terms will vary based on the credit worthiness of individual applicants.
**Payment Example: A $35,000 loan at 6.50% would have 240 monthly payments of $261. Property must be owner occupied. A full appraisal may be required based on the loan amount or combined loan to value.

prime equity loan rates
Loan Type	Adjustable+ Annual Percentage Rate	Max Repayment	Max Loan Amount	Draw Period
Prime Equity	As low as 4.75%	25 Years	Up to 80% CLTV	First 10 Years

Rates Effective As 05/06/2022.
Rates and terms will vary based on the credit worthiness of individual applicants.
The above Annual Percentage Rates were calculated using a loan of $35,000.
+Additional information about our Adjustable Rate Mortgage (ARM) - The APR, interest rate, and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index. The APR cannot increase more than 2% per year. The APR will never exceed 15%.
Property must be owner occupied. Hazard insurance is required on the property being used as collateral. Interest may be tax deductible, consult your tax advisor for more information. A full appraisal may be required based on the loan amount or combined loan to value.