Recreational Vehicles

1 No payments all winter (90 days maximum); interest begins to accrue at the time of disbursement. 2 Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate on personal loans only for the life of the loan; additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. Combined discounts may not go below floor rate at time of loan; offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards. 3 Terms available: 63-240 months 2014 and newer; 63-144 months 2013 and older. 75 months minimum $15,000; 144 months minimum $25,000; 180 months minimum $40,000; 240 months minimum $75,000. Estimated monthly payment for $10,000 RV loan for 63 months at 4.74% APR is $179.61. 4 Annual Percentage Rate. 5 Annual Percentage Yield to be paid on balances held in Regular and Assurance Checking when account activity meets qualifications as Advantage Plus up to $5,000. Balances above $5,000 will earn our non-promotional stated rate with no maximum balance applicable. Dividend rate premium not eligible on balances held in Money Market Checking. Members may hold multiple Checking shares, however promotional rate will be paid on first Regular or Assurance Checking share ID only. 6 A credit for the amount of service charges incurred, up to $10, will be applied to member’s share account following month-end processing for months in which member qualifies as Advantage Plus status. The following service charges are eligible for credit: CU Service Center transactions, paper statement, Advia check orders, non-Advia ATM transactions, and overdraft transfer fees from shares or lines of credit. 7 Advantage Plus CD Rate Premium = 0.25% APY on new CDs (excluding promotional and EZ Saver CDs); will be applied for the full term of the CD held. Early CD withdrawal penalties may apply. See Certificate of Deposit for details. 8 Mechanical Breakdown Protection, powered by Route 66, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. 9 Max term 84 months; max loan-to-value 115%; maximum benefit of $50,000. Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. 10 Must have an Advantage Plus Checking status at time of purchase to receive discount. Offer and rates effective January 21, 2022 and subject to change at any time. See adviacu.org/advantageplus for Advantage Plus qualifications. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to approval. Advia is an Equal Opportunity Lender.