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1 Estimated savings based on 2017 member savings. No additional Member Advantage Program or automatic payment discounts apply. Promotional offer excludes loans currently held with Advia Credit Union, as well as transferred mortgage, home equity, and business loans. All loans subject to approval. Advia Credit Union is an Equal Opportunity Lender. 2 Member Advantage Program Current Discounts: eChecking & Advantage Plus Checking = 0.50%; Advantage Checking = 0.25%; Automatic monthly payment from Advia deposit account = 0.25%. Floor rates apply, and Member Advantage loan discount rewards not applicable to commercial loans, lines of credit, mortgage, home equity or Visa Credit Cards. 3 No out-of-pocket costs at closing when home’s loan-to-value is at or below 60% or when no appraisal necessary. Annual percentage rate (APR) may vary based on credit score and combined loan to value ratios. Advia's Interest only HELOC is a variable rate product and APR may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal (includes a lifetime interest rate cap of 8% over initial loan rate). We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Some products and services may vary based on geographical region. Offer and rates subject to change. Subject to credit approval. 4 Consult a tax advisor regarding tax deductibility; subject to change at any time. 5 Advia applies a penalty on promotional rates for late or missed payments. Variable Card APR will be 10.00% to 18.00%, based on your creditworthiness; this APR will vary with the market based on the Prime Rate. The APR may vary quarterly, and will be determined according to an index. The index is the highest Prime rate charged by banks as published in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to, as low as Prime index + 7.00%. An increase in the index will result in an increase to your APR. Fixed Card APR will be 8.90% to 16.90%%, based on your creditworthiness. Rates vary based on creditworthiness of borrower(s) at time of application. Any increase or decrease in the APR will take effect on the first day of the following months billing cycle. The maximum APR will be 18.00%. Must be at least 18 years old to apply. 6 Earn rewards when you use your Advantage Points card to make purchases; minus returns, credits and adjustments ("Net Purchases"). The following transactions are not considered Net Purchases and will not earn rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, and fraudulent transactions. Earn 1% cash back (equal to $0.01) for every $1 of Net Purchases charged to the card each billing cycle for accounts in good standing. The minimum cash reward redemption in a single transaction is $50.00 and the maximum is $800.00. Rewards expire three years from the time they are earned. Offer subject to change at any time.