New Qualifications Effective 10/1/2023

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Rewards Checking account each monthly qualification cycle:

• Have at least 15 debit card purchases of at least $3 post and settle each month
• Be enrolled and receive e-statements
• Have at least $1,000 in direct deposit/ACH Credits post to account each month

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest the very next month.

**Must have a Rewards Checking to qualify for a Reward Saver.

***Reward rates paid if Reward Checking qualifications are met.

Requires minimum $25 to open and an automatic payment of $25 or more to certificate once a month required. Penalty may be imposed for early withdrawal.

Maintain at least $2,500 to avoid $10 monthly fee

Maintain $25,000 to avoid $50 monthly fee

* Rates are listed in the column above. The actual Annual Percentage Rate (APR%) will be based on the collateral, term and credit history of the borrower. A $75 doc prep fee is included in the APR calculations.  Rates subject to change at any time.

Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range. The maximum annual percentage rate that may be imposed in a variable-rate plan is = 18% APR. Stated rates include a discount for automatic payments. Equal housing lender.  Rates subject to change at any time.

All HELOC loans offer a 15 year draw period followed by a 15 year repayment period. Minimum payment 1% of loan balance or $100 whichever is lower. Rate varies with the Wall Street Journal Prime. Maximum rate adjusted plus or minus 2.00% per adjustment period if the WSJ Prime changes. Intro rate not adjusted. At the current HELOC variable APR of 8.50% your payments are just $12.40 per $1,000 for 120 months. All rates are quoted on approved credit as Annual Percentage Rates (APRs) and may be subject to pricing add-ons related to credit score. APR includes $50 annual fee. Loan approval is subject to credit, income and property valuation. All HELOCs are variable rate loans and rates are subject to change daily and without further notice. The maximum rate ceiling is 18.00%. Loan closing fees and costs range from $200- $2,000. Property insurance is required. Promotion offered for a limited time and may be discontinued at any time without notice. HELOCs available exclusively for primary residences in MN or WI. Equal Housing Lender