* Click here to view official rules.  Promotional date is February 1-November 10, 2025. Must be a member in good standing to win. at the time of drawing 

1. Annual Percentage Rate (APR). Rate effective 1/1/25 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Program, rate, terms and conditions subject to change without notice. 

2.  Qualifying borrowers may be eligible to defer their first payment for up to 90 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied.

3.Annual Percentage Yield (APY) as of January 1, 2025. Requires minimum number of debit card purchases. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Requires $500 minimum monthly direct deposit and enrollment in e-statements. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you do not receive interest for the month.

4. Direct deposits and other Automated Clearing House (ACH) credits may post to your account up to five days early with the Early Pay service. The Early Pay service is dependent upon when the deposits are originated from the sender and received by the Credit Union, and we cannot guarantee deposits will post prior to their anticipated settlement date. The Credit Union is not responsible for delays in posting due to unforeseen circumstances. The Credit Union, in its sole discretion, may determine whether certain deposit payments, deposit types, or member accounts are excluded from the service. The terms and conditions for Early Pay are subject to change, at any time, without advance notice. Not applicable to business, loan, or mortgage accounts. 

5.Annual Percentage Rate (APR). The APR is variable and is the lowest rate available. APR is based on Prime plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The maximum APR is 15%. Subject to credit approval. An Automated Valuation Model (AVM) will be used to determine equity on HELOC requests amounts less than $100,000. Members have the option to purchase an appraisal at their own cost if they disagree with the AVM value. There are closing costs on the loan that are specific to each member's situation. Subject to change without notice. Property Insurance Required.

6. Annual Percentage Rate (APR). Offer available as of 1/1/25. Balance Transfer promotional rate applicable for 6 monthly billing cycles. Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice. 

7. Rates are variable. Qualification is based on an assessment of individual creditworthiness and our underwriting standard. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Not all applicants will qualify. Contact us for more information. See full disclosure.

8. Annual Percentage Yield (APY). The rate of 3.00% APY applies to balances up to $1,000 on Volt Banking Savings accounts. Balances above $1,000 will receive the regular savings rate. Terms and conditions subject to change without notice. Account approval may be based on factors such as a qualified parent, child’s age, and verification of income.