Recreational Vehicles

1 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 5.74% APR is $. 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 To receive waived valuation fee, you must apply by September 30, 2022 and loan must close to receive refund of valuation cost. Mortgage must be between $40,000 and $647,200 to be eligible. Mortgage rates current as of June 20, 2022 and assumes a 30-year fixed-rate purchase or refinance of a detached, owner-occupied property with loan to value ratio of 80% and credit score of 740. A loan amount of $200,000 at an interest rate of 5.625% and APR of 5.79% has a payment of $1,151.31 with 1 point due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Exclusive Advantage Plus Membership offer for $300 off admin fees, waived valuation fee, and 0.125 rate discount must apply by September 30, 2022 and loan must close to receive full offer. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes FHA, VA, and Home Equity Loans and Lines of Credit. Advia Credit Union membership required. Offer may not be combined with any other promo or discount. The promo has no cash value and is non-transferable. Terms subject to credit and mortgage approval. Other restrictions may apply. All promotional offers associated with Advantage Plus are effective September 28, 2022 and are subject to change at any time. 9 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. 10 Your purchase of GAP Advantage is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP Advantage. This information will include a copy of the GAP Waiver which will contain the terms and conditions of the GAP Advantage benefit. There are eligibility requirements, conditions, and exclusions, including a loan-to-value maximum that may cap the benefit you receive from GAP Advantage. You should carefully read your GAP Waiver for a full explanation of the benefits, rules, terms, and conditions of the program. 11 Must have an Advantage Plus Checking status at time of purchase to receive discount. Offer and rates effective September 28, 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. Federally Insured by NCUA. All loans subject to approval. Advia is an Equal Opportunity Lender. Mortgage Center is an Equal Housing Lender, NMLS #282701.