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¹ APR = Annual Percentage Rate. Rates listed reflect a 1.00% APR discount for account relationship pricing. To qualify for this discount, one of the following is required: 1) An active Mills42 FCU checking account with a minimum of twenty (20) debit card transactions monthly or eight (8) electronic debit/credit transactions monthly. Maintaining a qualifying Rewards Checking Account will also satisfy this requirement. 2) Direct Deposit to pay loan (automatic distribution of direct deposit to satisfy monthly loan payments). 3) An existing loan with Mills42 that has a current balance (excludes VISA Credit Card and overdraft protection). All rates and fees are subject to change without notice. Some restrictions may apply. Member eligibility is required.

² Applicant will pay no closing costs, provided the loan remains outstanding for at least three (3) years of the loan’s closing date. If the loan is closed and paid in full prior to that three-year period, the loan’s closing costs that had been paid by Mills42 FCU will be added to the final loan payoff amount.

³ APY Is The Annual Percentage Yield. Minimum balance of $500 is required to open account and earn dividends. The Annual Percentage Yield is the highest dividend rate available. Highest dividend rates require eStatements. If you have eStatements when you open or renew a Mills42 Certificate, you'll automatically earn the highest published dividend rate for that certificate. Without eStatements, our lower standard rate will apply, inquire within for other rates. Rates are subject to change without notice. Once a certificate is issued, the rate will remain in effect for the term of the certificate. Dividends are compounded daily and posted monthly and at maturity date. Dividend penalties may apply for early withdrawals. Refer to the Mills42 FCU Fee Schedule and Certificate Account Disclosure and Agreement. Member eligibility is required.

⁴ Annual Percentage Yield listed applies to balances up to $10,000 when account requirements are met during each eligibility cycle. Eligibility cycle begins on the first day of each calendar month and ends the last day of each calendar month. The yield listed is a variable rate and may change at any time after account is opened. To earn maximum yield listed, account must have: 1) A minimum average daily balance of $500.00; 2) A minimum of twelve (12) posted debit card transactions monthly (excluding ATM usage); 3) eStatements as statement delivery option; and 4) Have at least one recurring ACH (Automatic Clearing House) debit transaction or Bill Payer transaction per month. If above requirements are not met during an eligibility cycle, account will earn 0.00% APY. If account shows a negative balance at any time during the eligibility cycle, account will earn 0.00% for that eligibility cycle. Balances greater than $10,000 will earn 0.20% APY. Other restrictions and terms may apply. Business accounts do not qualify for Rewards Checking. Rates and terms are subject to change without notice. Dividends are compounded and credited monthly based on the average daily balance in the account. Member eligibility is required.

⁵ With each Mills42 MasterCard™ Debit card transaction, Mills42 will round up the transaction amount to the next whole dollar. This difference will then be deposited into the associated Mills42 Round Up Savings account. Round Up Savings balance will earn Annual Percentage Yield listed above. Dividends are compounded and credited monthly based on the average daily balance in the Round Up Savings account. Maintaining a Mills42 checking account with Mills42 MasterCard™ Debit card are required. Rates and terms are subject to change without notice. Member eligibility is required.

⁶ Rates listed reflect a 1.00% APR discount for account relationship pricing. Rates are determined by your personal credit history, loan term, and statement settings. To qualify for this discount, you must be enrolled in eStatements, without eStatements rate is 1.00% higher. Other rates and terms available.

⁷ Current Annual Percentage Rate (APR) is zero percent. Must meet program eligibility requirements to participate. Eligibility for the HEAT Loan is based on findings from the Home Energy Assessment and require pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval. Additional terms and conditions apply.