Half-Off Transferred Loans¹

1 Half-off promotion not available on credit card, real estate secured (including HELOC, home mortgage, mortgage refinance), or commercial loans. No more than 50% of aggregate refinanced loan amount may be currently held with Advia Credit Union. 2 Estimated YTD 2021 member savings. 3 Interest begins to accrue at the time of disbursement. Applies to Auto, RV, and Signature Loans only. 4 Estimated savings based on 2020 member savings. 5 Promotion not available on credit card, real estate secured (including HELOC, home mortgage, mortgage refinance), or commercial loans. No more than 50% of aggregate refinanced loan amount may be currently held with Advia Credit Union. Subject to credit approval and creditworthiness; debt and income verification may be required. Must be 18 years or older and approved for financing with a minimum of $10,000 in transferable loans held elsewhere; loan funding is not required to earn incentive. If aggregate interest savings equals less than $500 on qualifying transferred loans, $100 will be applied to member’s Share Savings account on or before 10/1. Must be a member in good standing, with no delinquent loan balance, current or previously charged off account with Advia, negative share balance, or other indicator of an account not in good standing at time of incentive disbursement. Offer valid starting 6/1/21 and subject to change at any time. 6 Annual Percentage Rate for 36 months. Longer terms may be subject to higher rates. See adviacu.org for more details. Estimated monthly payment for $10,000 new vehicle loan for 36 months at 1.99% APR is $286.38. 7 APR for an RV Loan new and transferred from outside institutions at a 63-month term based on creditworthiness of applicant and type of collateral secured. Rates vary by term, see adviacu.org for more details. Estimated monthly payment for $10,000 RV loan for 63 months at 4.74% APR is $179.61. 8 APR of 6.99% is for Signature Loans, new and transferred from outside institutions only, for terms 12-36 months. 9 Fixed Card APR: 8.90% to 16.90%. Variable Cards APR: 8.25% to 18.00%. Penalties apply for late/missed payments. Variable Rate Information: On variable rate programs, your APR may vary quarterly. 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. Rates vary based on creditworthiness of borrower(s) at time of application. Must be 18 or older to apply; subject to credit approval. 10 Promotional APR on balance transfers made during the first 18 billing cycles after date of transfer during promotional period February 1, 2020 – September 30, 2021. A balance transfer fee of either $10 or 3% of the amount transferred, whichever is greater, will be assessed for each balance transfer processed on that account. Following the promotional balance transfer period of 18 months, the Fixed Card APR of 8.90%-16.90%, Variable Card APR of 8.90%-16.25%, or Advantage Points Variable Card APR of 10.25%-18.00% will apply beginning the first day of new billing cycle. Failure to make the minimum periodic payment within 60 days from the due date during any card promotion, the non-promotional APR in effect on that account will be applied to the remaining promotional balance. If account is delinquent or over-limit at time of transfer, the promotional rate will not apply. Loans held with Advia are ineligible for this promotion. 11 Earn rewards when you use your 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. Up to 3% back on aggregate purchases up to $1,500 in select categories made on/between October 1, 2019 and September 30, 2021. 3% back on qualifying dining and restaurant delivery transactions; must have required merchant code signifying the transaction for purchases for dining transactions (merchant codes 5812 and 5814). 2% back on qualifying gas and grocery transactions; must have required merchant code signifying the transaction for purchases for gas and grocery transactions (merchant codes for gas: 5541 and 5542; merchant codes for grocery: 5411 and 5300). Purchases that exceed $1,500 in each category will earn the standard 1% back. 1% back (equal to $0.01) for every $1 of Net Purchases charged to the card each billing cycle for accounts in good standing. Transactions with other establishments do not apply and we do not control how merchants are categorized. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for bonus rewards offers. The minimum cash reward redemption in a single transaction is $50.00 and the maximum is $800.00. Rewards expire three (3) years from the time they are earned. Allow up to two (2) billing cycles for bonus rewards to post to account. Restrictions may apply. Visa Cardholder Agreement and full reward information can be viewed at adviacu.org. 12 $200 statement credit not valid on Business Visa, card reissues, or multiple cardholders. Must meet all qualifications in initial two (2) statement cycles following date of card issuance to receive credit of $200: 1) a minimum of 20 purchases and 2) aggregate purchases of at least $2,000; credits or returns to card within this timeframe will be deducted from aggregate amount. Cash advances and balance transfers don’t apply. Credit will be applied to member’s card account within 45 days of meeting stated qualifications. Offer valid between October 1, 2019 and September 30, 2021 and subject to change at any time. Must be 18 or older to apply. 13 Promotional APR with Combined Loan-to-Value of 70% or below on Advia’s Interest-Only Variable HELOC for the first 12 billing cycles after closing. Estimated monthly payment for a $10,000 HELOC during the promotional period for the following APRs: 1.99% = $16.35; 2.49% = $24.66; 3.49% = $28.68. Minimum credit score of 740. Following the promo period of 12 months, the APR will revert to a variable rate, which may change quarterly based on the value of an index of Prime Rate as stated 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 the Prime index + or - a margin. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and Combined Loan to Value (CLTV) of secured real estate at the time of application. 14 No closing costs unless an appraisal is required for Home Equity Lines of Credit (HELOC). 15 Source: freddiemac.com as of April 1, 2020. 16 Your purchase of MEMBER’S CHOICE™ Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of MEMBER’S CHOICE™ Borrower Security. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid. All offers and rates effective July 27, 2021 and subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval. Advia is an Equal Opportunity Lender. HELOC NMLS #401863. Mortgage Center NMLS # 282701.