* APR = Annual Percentage Rate. All loans subject to credit approval and other underwriting criteria; not every applicant will qualify. APR and terms vary based on credit worthiness and other conditions.
** APY = Annual Percentage Yield. See terms and conditions.

1. $5 minimum opening balance for personal Primary Share Savings account, required to maintain membership. Rate not offered on Secondary Savings accounts or Business Saving accounts. Dividend rates and APY are variable and may vary after the account is opened. Dividend rates on your account may change at any time. This is a tiered rate account. The dividend rates and APYs applied to an account will only apply to that portion of the corresponding average daily balance within each applicable tier. The dividend rate for one tier may be the same rate, or a higher or lower rate, than the rate for a lower tier. Fees may reduce account earnings. Additional restrictions may apply. Refer to your Truth in Savings Disclosure for more information.

2. APR (Annual Percentage Rate) is a variable rate indexed to the Wall Street Journal Prime rate. Your rate may increase or decrease during the loan term based on corresponding changes in the Prime Rate. APR is based on creditworthiness and CLTV (combined loan to value). Actual APR will be discussed at the time of application. The floor APR is 4%; your APR will never exceed 18%. Your minimum monthly payment during the 10-year draw period will equal the finance charges (interest) that accrued on the outstanding balance during the preceding month. Your minimum monthly payment during the repayment period (never exceed 20 years) will be set to repay the outstanding balance, at the prevailing annual percentage rate, within the repayment period. Your payment will change if the annual percentage rate increases or decreases. Your payment will never be less than the smaller of $50, or the full amount that you owe.

HELOC Flexline: Includes an option to fix the rate on a portion or segment of the outstanding variable rate balance. This may be requested up to five (5) times during the draw period of the account. The minimum requested amount for a fixed rate segment is $5,000. The terms, including the APR and minimum monthly payment on the requested segment, will be fixed until paid off. APR and terms for a fixed rate segment are determined by creditworthiness and CLTV (combined loan to value). Term options include 60 months (5 years), 84 months (7 years), 120 months (10 years), 180 months (15 years) and 240 months (20 years), not to exceed the maturity date of the loan.

3. Lowest rates displayed are for an auto loan to an existing SESLOC member and assumes participation in the HomeFREE Discount Program with automatic recurring loan payments from a HomeFREE Checking account. APR will be higher without HomeFREE Discount Program participation. Refer to HomeFREE Discount Program for more details. Rate and APR are greater for a non-member applying for a vehicle loan through an auto dealership. APR is 2.00% higher for vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Financing available up to 120% of MSRP or Retail Kelly Blue Book, plus tax and license. Payment Example: A $25,000 loan at 4.99% for 60 months would have an estimated payment of $471.69. Financing is subject to SESLOC membership, credit approval and other underwriting criteria: not every applicant will quality. Rates are based on creditworthiness and specific vehicle qualifications.