*APY = annual percentage yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 12/01/25. Minimum deposit is $1,000. Substantial penalty may apply for early withdrawal. Dividends are paid monthly. Contact the credit union for complete details. This certificate will renew at a 6-month term unless otherwise asked for by the party holding the certificate.

¹APR = Annual Percentage Rate.

²Introductory rate of 4.99% for 12 months for LTVs up to 90%, 5.49% for 12 months for LTVs 91-100%. After promotion period, standard rate of Prime + Margin will apply. Variable APR equal to the Prime Rate as published in “The Wall Street Journal” plus a margin specific to your loan. Prime Rate (currently 7.00%) with a minimum APR of 6.50% and a maximum APR of 18.00%. Rates current as of December 1, 2025, and are subject to change based on market conditions and borrower eligibility.  Minimum advance of $10,000 at settlement required for introductory rate. Subject to credit approval. Your APR may be higher based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, combined loan-to-value, and/or property type. Minimum credit line is $10,000. Maximum credit line is $250,000 based on LTV. SkyPoint pays closing costs (excluding taxes) in exchange for a $10,000 draw at settlement. Closing costs range $200-$1,500. If the credit line is closed within three years of open date borrower is responsible to reimburse credit union for closing costs paid by the credit union. Homeowner’s insurance is required. Flood insurance may be required. Offer does not apply to existing SkyPoint credit lines. See a credit union representative for complete details.

³APR=Annual Percentage Rate. Rates as low as 6.99% APR, including .25% discount for auto pay, and are based on the borrower’s credit score and history. Loan amounts up to $5,000. Payment example of $5,000 at 6.99% APR for 36 months is $154.36 per month. Terms and conditions apply. Rate is valid as of 12/1/2025. Member can elect to defer their first payment up to 60 days after loan closing. Interest will accrue during the deferral period. Promotion can be cancelled at any time without notice. Please see a SkyPoint representative for complete details.