8.50% APR 13.50% APR 15.00% APR**

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Revolving

(25-day grace period) Revolving

(25-day grace period)

Model Year Term Annual Percentage

Rate Estimated Monthly Payments Per $1,000 Borrowed**

2013-2016 1 to 60 months as low as 2.34% $17.68

2013-2016 73 to 84 months* as low as 3.99% $13.67

Annual Percentage Rates(APR)* and yields effective as of December 24, 2015 and are subject to change.

*The rate may vary depending on each individual's credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice.

Current Prime Rate is 3.50% effective 12/17/2015 as published in the Wall Street Journal

Add .50% for each 25,000 miles (or fraction of 25,000) over 100,000 miles up to a 2%

MyChoice Plus Visa 15.00% APR**

There may be costs associated with the use of a Heritage Federal Credit Union Visa Card. For more specific information about such costs, call us at (812) 853-7306. For long distance,

call 1-800-858-1693. You may also write to us: Heritage Federal Credit Union

Visa Dept., P.O. Box 189,

Newburgh, IN 47629-0189.

**Variable rate credit cards will use Wall Street Journal prime as the index, plus a margin to determine the final rate. Rates can adjust monthly based on the rate as published in the Money Rates Section of the Wall Street Journal in effect on the last day of each calendar month. For external balance transfers, there is no balance transfer fee. For balances transferred from an existing HFCU Visa Classic or HFCU Platinum Visa, a 4% fee will apply.

Traditional Auto and Truck Loan Rates

MyChoice Visa 13.50% APR**

MyPreferred Visa 7.00% APR**

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2008 or older 1 to 60 months as low as 4.59% $18.69 2008 or older 61 to 66 months as low as 5.09% $17.41 2008 or older 67 to 72 months as low as 5.74% $16.46

2008 or older 1 to 60 months as low as 4.72% $18.75

2013-2016 1 to 60 months as low as 2.69% $17.84 2013-2016 61 to 66 months as low as 2.69% $16.32 2013-2016 67 to 72 months as low as 3.39% $15.37 2011-2012 1 to 60 months as low as 3.19% $18.06 2009-2010 1 to 60 months as low as 3.94% $18.40 2008 or older 1 to 48 months as low as 4.94% $23.01

Traditional Watercraft Loan Rates

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Up to $25,000 1 to 60 months as low as 8.99% $20.76

Up to $99,999 Contact us for terms share rate + 3.00%

Up to $99,999 Contact us for terms certificate rate + 3.00%

Certificate Secured Share Secured

Traditional Recreational Vehicle Loan Rates

Traditional Other Secured Loan Rates

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3% of balance $15 minimum monthly payment

1 to 60 months as low as 3.49% $18.19 61 to 120 months as low as 4.24% $10.24 121 to 180 months as low as 4.99% $7.91

1 to 60 months as low as 4.49% $18.64 61 to 120 months as low as 5.24% $10.73

1 to 60 months $7,500

Max as low as 7.99% $20.28

1 to 84 months as low as 2.99% $13.21 85 to 180 months as low as 3.99% $7.40

Call for rates

Rates starting as low as Prime Rate -.25% with a maximum APR which will not exceed 18.00% and a rate floor of 3.00%.

Call us concerning any applicable home equity fees or closing costs.

Any HELOC rate changes will occur on the first of the month

1 to 60 months

$10,000 Max as low as 7.99% $20.28

Uninsured Second

Variable Rate Home Equity Line of Credit

No closing costs on advances of $10,000 or greater.

Available up to 90% LTV

Equal Housing Lender Home Improvement Loan

Simply Easy Refi

First Mortgage Refi Only - $199 Closing Cost - Maximum LTV 80% No Cash Out - Maximum LTV 70% (80.01% to 90% loan to value)

Line of Credit

Up to $10,000 15.00%

Fixed Rate Home Equity & Bridge Loans

(Up to 80% loan to value)

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* Certain restrictions apply. Estimated monthly payment reflects minimum available APR and maximum available term. Apply online and save $40 in processing costs on all consumer loans. A fee of $40 charged for all loan modifications. Contact us for more details.

8.50% APR** 13.50% APR** 15.00% APR**

8.50% APR 13.50% APR 15.00% APR**