*APR=Annual Percentage Rate. Rates as low as 4.99% APR for new vehicles, as low as 5.49% for used vehicles for 60-month loan terms.  Other terms and rates are available. Your rate may be higher than the rate stated based on certain credit worthiness criteria. The above auto loan rates include a 0.25% discount for automatic transfer payments. If the automatic transfer payment stops, for any reason, the APR may increase to the undiscounted rate. Rates are dependent on individual qualifications. The offered rate is valid until close of business on December 13, 2024. Up to 60 days no payments. Interest will continue to accrue during deferral period. Payment example: $25,000 at 4.99% APR; 60 monthly payments of approximately $471.65. Contact the credit union for full details.

****APR=Annual Percentage Rate. Introductory rate of 5.24% APR for 12 months for LTVs up to 90%, 5.74% 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 with a minimum APR of 7.75% and a maximum of 18.00%. Rates 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 credit qualifications, the amount of your credit line, combined loan-to-value, and/or property type. Minimum credit line of $10,000. Maximum credit line of $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 the credit union for closings costs paid by the credit union. Homeowner’s insurance required. Flood insurance may be required. Offer does not apply to existing SkyPoint credit lines. Offer expires at close of business on December 13, 2024. See a credit union representative for complete details.

**APY=Annual Percentage Yield. Rate on 24-month Certificates is valid until the close of business on December 13, 2024. Members may add funds to the Certificate one time during the term, after 12 months. Members may withdraw all or some of the funds from the Certificate during the 24-month term without penalty.

***New or existing members that set up a new recurring direct deposit into a SkyPoint Checking account can receive $50 after the deposit has been established. Allow up to 60 days for the direct deposit to post and SkyPoint to verify before funds are received. $50 rewards will be deposited into the member’s SkyPoint Checking account.