*Annual Percentage Rate. Rates, terms and first payment dates vary, are subject to change and are based on individual creditworthiness. Cash back is based on amount financed. Offer ends 12/31/25. Offer is valid on qualifying Purchase Money Mortgage Loans (primary residence only) and qualifying 1st Lien Home Equity Loans in the amount of $20,000 or more new money for members with an advantage checking and debit card. On Mortgage Loans, the maximum loan-to-value is 95%. On Home Equity Loans, the maximum loan-to-value is 80%. The no closing costs apply to loan amounts below title insurance and regulatory appraisal thresholds, unless an appraisal is requested. A typical payment example: 360 monthly payments of $5.77 per $1,000 borrowed. Taxes, fees, and insurance are not included in this example, your actual payment may be higher. Autos: Offer available on loans of $20,000 or more new money on pre-approved, refinanced, and direct auto loans only. Auto refinances must be from another institution. Rate quoted includes all available discounts and is based on an A+ credit rating for a 60-month term. Other restrictions may apply. Contact credit union for complete details.