Loan Rates

Loans Term APR*
Model year 2007-2017
New/Used Vehicles
0-36 months 3.10%-13.30%
Model year 2007-2017
New/Used Vehicles

37-60 months  3.30%-14.70%
Model Year 2007-2017
New/Used Vehicles **
61-72 months 3.50%-16.95%
Model Year 2007-2017
New/Used Vehicles ***
73-84 months 4.00%-17.90%
Model Year 2007-2017
New/Used Vehicles***
85+ months 5.00%-18.00%
Signature**** Up to 60 months  9.15%-18.00%
Share Secured Loan Up to 48 months  4.15%
Term Share Certificate Loan Maturity of CD Certificate Rate + 4.15%

*APR is Annual Percentage Rate.

All loans are subject to credit approval. Rates subject to change without notice and determined by credit tier. Mileage and primary residential restrictions may apply.

**Min. of $10,000 required for term of 72-83 months. Applies to Direct Vehicle Loan Applications Only.

***Min. of $20,000 required for 84 month term. Applies to Direct Vehicle Loan Applications Only.

****Max loan amount is $15,000. 60 month term available only on $7,500 and above.

Savings Rates

Account Minimum to Open Balance Required to Earn Interest Interest Rate APY*
Complete Savings Account $15.00 $50.00 0.10% 0.10%
Prosperity IRA Savings $50.00
0.10% 0.10%
ePriority Checking $0.00 $0.00 to $9,999.99 3.00% 3.03%
ePriority Checking $0.00 over $10,000.00 0.10% 0.10%
Abundance Money Market $2,500.00 $2,500.00 to $24,999.99 0.15% 0.15%
Abundance Money Market $2,500.00 $25,000 to $99,999.99 0.45% 0.45%
Abundance Money Market $2,500.00 over $100,000.00 0.75% 0.75%
Christmas 360 Account
$5.00 -
0.10% 0.10%
Vacation 360 Account
$5.00 -
0.10% 0.10%

Dividends are paid from current earnings available after required transfers to reserves and only after the Board of Directors of evolve Federal Credit Union formally declares the dividend rate at the end of each quarter. The rates listed are prospective dividend rates and are subject to change without prior notice. The APY is accurate as of the last dividend declaration date. For Abundance Money Market accounts there is a minimum average daily balance of $2,500.00 required to avoid a $5.00 service fee for the dividend period. Fees could reduce earnings on the account. For Complete Savings, Prosperity IRA Share, and Abundance Money Market Accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

*APY is Annual Percentage Yield. As an ePriority Account holder, you must process 45 qualified transactions per quarter. If an eAccount holder does not meet the requirements or disqualifies for the quarter the ePriority account will not earn a dividend for that quarter and the credit union ATM withdrawal fees will be charged. Refer to Truth-in-Savings Share and Share Draft Disclosures for complete list of account requirements.

The APY is accurate as of October 01, 2016.

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CD Rates

Account Minimum to Open Balance Required to Earn Interest Interest Rate APY*
3 Month Boost Term Share $500.00 $500.00 0.35% 0.35%
6 Month Boost Term Share $500.00
$500.00
0.45% 0.45%
1 Year Boost Term Share $500.00
$500.00
0.75% 0.75%
2 Year Boost Term Share
$500.00
$500.00
0.95% 0.95%
3 Year Boost Term Share
$500.00
$500.00
1.30% 1.31%
4 Year Boost Term Share
$500.00
$500.00
1.50% 1.51%
5 Year Boost Term Share
$500.00
$500.00
1.85% 1.86%
1 Year Boost Advantage CD Saver $50.00
$50
0.50% 0.50%


Jumbo CD Rates

Account Minimum to Open Balance Required to Earn Interest Interest Rate APY*
12 Month Boost Term Share $100,000.00 $100,000.00 0.85% 0.85%
24 Month Boost Term Share $100,000.00
$100,000.00
1.05% 1.05%
36 Month Boost Term Share $100,000.00
$100,000.00
1.40% 1.41%
48 Month Boost Term Share $100,000.00
$100,000.00
1.60% 1.61%
60 Month Boost Term Share $100,000.00
$100,000.00
1.95% 1.96%

*APY is Annual Percentage Yield. Early withdrawal penalties for terms of 1 year or less is 90 days' interest. Early withdrawal penalties for 2 year term is 180 days' interest, 3 year term is 270 days' interest, for 4 year term is 360 days' interest, and for 5 year term is 450 days' interest. Dividends are paid from current earnings available after required transfers to reserves and only after the Board of Directors of evolve Federal Credit Union formally declare the dividend rate at the end of each quarter. The Rates listed are prospective dividend rates and are subject to change without prior notice. Refer to Truth-in-Savings Term Share Certificate Disclosures for complete list of terms and penalties.

The APY is accurate as of October 01, 2016.

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