Students deserve more. Like perks that matter, and a little cash.

Enjoy getting paid up to two days¹ early, no monthly service fees or minimums, and much more with a Student Checking account at Addition Financial.

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Dream of HELOC!

Our HELOC program is offering special low rates (for a limited-time), giving you the power to consolidate your high interest debt – and potentially save thousands of dollars in future interest payments!

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Current Rates

Savings

Savings Accounts

Type	Minimum Balance to earn APY	Annual Percentage Yield (APY)	Dividend Rate
Share Savings	$50 - $999.99	0.01%	0.01%
Share Savings	$1,000 +	0.05%	0.05%
Savings Plus*	Up to $5,000.00	4.00%	3.92%
Savings Plus*	$5,000.01 +	0.05%	0.05%
Youth Savings, Holiday and Summer Share	$50 - $999.99	0.01%	0.01%
Youth Savings, Holiday and Summer Share	$1,000 +	0.05%	0.05%
IRA and Deferred Option Plan Savings***	No Minimum	0.15%	0.15%
Health Savings	$50 - $999.99	0.01%	0.01%
Health Savings	$1,000 +	0.05%	0.05%

Money Market

Minimum Balance to earn APY	Annual Percentage Yield (APY)	Dividend Rate
$1,000 - $9,999.99	0.05%	0.05%
$10,000 - $99,999.99	0.75%	0.75%
$100,000 - $249,999.99	1.01%	1.00%
$250,000 - $999,999.99	1.31%	1.30%
$1,000,000 +	1.51%	1.50%

Growth Plus Money Market**

Minimum Balance to earn APY	Annual Percentage Yield (APY)	Annual Dividend Rate (ADR)
$1,000 - $9,999.99	0.05%	0.05%
$10,000 - $99,999.99	2.02%	2.00%
$100,000 - $249,999	2.38%	2.35%
$250,000 - $999,999	2.89%	2.85%
$1,000,000+	3.41%	3.35%

Benefits Checking Account

Minimum Balance to earn APY	Annual Percentage Yield (APY)	Annual Dividend Rate (ADR)
$1,000 - $9,999.99	0.05%	0.05%
$10,000 - $99,999.99	0.75%	0.75%
$100,000 - $249,999.99	1.01%	1.00%
$250,000 - $999,999.99	1.31%	1.30%
$1,000,000 +	1.51%	1.50%

Rates are current as of 02/08/2024

For Share Savings, Savings Plus, Money Market, Growth Plus Money Market, Benefits Checking and individual retirement accounts, dividends are compounded daily and paid monthly. Fees and conditions could reduce earnings. All rates are subject to change without notice.

*Active Addition Financial checking account required for access.
**Active Benefits Checking or Classic Checking account required for access.
***Eligibility and usage restriction apply.

Certificates

Share Certificates

Type	Minimum Balance to earn Annual Percentage Yield	Annual Percentage Yield (APY)	Dividend Rate
6-11 Month Certificate	$1,000	3.92%	3.85%
12-23 Month Certificate	$1,000	3.66%	3.60%
24-35 Month Certificate	$1,000	2.27%	2.25%
36-47 Month Certificate	$1,000	3.04%	3.00%
48-59 Month Certificate	$1,000	2.53%	2.50%
60 Month Certificate	$1,000	2.78%	2.75%
6 Month Savings Builder Share Certificate*	$5	0.50%	0.50%
39 month Bump-up certificate**	$1,000	3.04%	3.00%
IRA Certificates	$1,000	Same as Certificates	Same as Certificates

Rates are current as of 11/19/2024

For all certificates, dividends are credited and compounded monthly. Fees or conditions could reduce earnings. All certificate rates are subject to change without notice. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term, with the following exceptions explained in footnote ** below. Term share certificates operate similarly to certificates of deposit (CDs) traditionally issued by retail banks.

*Savings Builder Share Certificate with Youth Savings Accounts and Community Share Accounts only.

**39 month Bump-Up Certificate - the bump-up certificate has a 39-month term and includes an option that allows you to increate or "bump up" the dividend rate and annual percentage yield once during the term to the current rate in effect at that time for a 36-month certificate. At the end of the 39-month bump up maturity term, whether or not you elected the bump-up option, your certificate will automatically renew for a term of 36 months at the prevailing rate in effect at that time for a 36-month certificate with no "bump up" (rate increase) option.

Credit Cards

Credit Card Type	Term	Range of Variable APR**
Visa® Platinum	Revolving	14.50% - 18.00%
Visa® Premier Rewards	Revolving	14.50% - 18.00%
Visa® Premier Cash	Revolving	14.50% - 18.00%
Visa® Business Rewards	Revolving	16.00% - 18.00%

Rates are current as of 11/13/2024

*Total aggregate unsecured debt with Addition Financial cannot exceed $100,000.

**Annual Percentage Rates (APR). Your APR will vary. All credit card rates are subject to change without notice. The rate you receive will be based on your credit history. All loans are subject to qualification of the borrower. The rate for purchases, cash advances and balance transfers is based on the U.S. Prime Rate (Wall Street Journal Index). The Wall Street Journal Index is published in the Money Rates table of the Wall Street Journal on the 15th of each month or the next business day if not published on the 15th. The maximum APR will not exceed 18.00%. The Penalty APR will be applied to your account if you are 60 days past due and will apply until you make six consecutive minimum payments when due.

Home Loans

Fixed Rate

Type	Purchase Interest Rate / APR* As Low As	Refinance Interest Rate / APR* As Low As
10 Year Fixed Rate	6.000% / 6.487%	6.125% / 6.500%
15 Year Fixed Rate	6.125% / 6.309%	6.250% / 6.516%
20 Year Fixed Rate	6.500% / 6.650%	6.625% / 6.842%
30 Year Fixed Rate	6.750% / 6.865%	6.875% / 6.916%

First Time Homebuyer

Type	Purchase Interest Rate / APR* As Low As
30 Year First Time Homebuyer	6.875% / 6.991%
30 Year A+ Heroes First Time Homebuyer	7.000% / 7.070%

Low Closing Cost

Type	Purchase Interest Rate / APR* As Low As	Refinance Interest Rate / APR* As Low As
15 Year Fixed (Low Closing Cost)	6.375% / 6.560%	6.500% / 6.768%
20 Year Fixed (Low Closing Cost)	6.750% / 6.901%	6.875% / 7.094%
30 Year Fixed (Low Closing Cost)	7.000% / 7.116%	7.125% / 7.294%

Fast Track

Type	Refinance Interest Rate / APR* As Low As
5 Year Fast Track Refinance Mortgage**	5.875% / 6.577%
10 Year Fast Track Refinance Mortgage**	6.125% / 6.500%

Adjustable Rate

Type	Purchase Interest Rate / APR*	Refinance Interest Rate / APR*
5 Year Adjustable Rate	6.750% / 6.865%	6.750% / 6.916%

HELOC

Type**	Interest Rate As Low As	APR* As Low As
First-Lien HELOC	7.750%	7.750%
Second-Lien HELOC	7.750%	7.750%

Second Mortgages

Type	Maximum Term	Rates As Low As	APR* As Low As
Second Mortgage	60 Months	6.000%	6.556%
Second Mortgage	120 Months	6.250%	6.547%
Second Mortgage	180 Months	6.500%	6.712%

Specialty Loans

Type	Purchase Interest Rate / APR*	Refinance Interest Rate / APR*
Construction to Permanent	8.875% / 9.131%	8.875% / 9.063%
5 Year Lot Loan	8.750%	8.750%
10 Year Lot Loan	9.250%	9.250%
15 Year Lot Loan	9.750%	9.750%

Rates are current as of 11/20/2024

*Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. APR is based on the following assumptions unless otherwise noted: Purchase APR is calculated using a $200,000 purchase price with a $160,000 loan amount. Refinance balance-only APR is calculated using a $150,000 estimated value with a loan amount of $120,000. The APR you see are estimates and are intended for informational use only. Rates are subject to change without notice. Rate is not guaranteed until lock-in. Other restrictions may apply. APRs assume the loan will have a required minimum loan-to-value ratio of 80%.

Mortgages are underwritten to secondary market standards. Secondary market guidelines may require adjustments to the interest rate, points paid or amount of down payment. Your rate, points and closing costs may vary based upon loan features, geography and/or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate and fees shown here are available to borrowers with an excellent credit history. The interest rates, APRs, closing costs and discount points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.

**Loan-to-value restrictions apply. Home Equity Loan APRs are based on Wall Street Journal (WSJ) Prime Rate.

Second mortgage loan APRs are calculated using a $50,000 loan amount and term as indicated.

Vehicle Loans

Auto Loans

Type	Term*	APR As Low As***
New Auto	24-66 Months	4.44%
New Auto	67-84 Months	4.94%
Used Auto (Purchase Only)	24-66 Months	4.99%
Used Auto (Purchase Only)	67-84 Months	5.49%

Recreational Vehicle Loans

Type	Term**	APR As Low As***
New Motorcycle	24-66 Months	7.99%
Used Motorcycle	24-66 Months	8.44%
New Boat / New RV	24-66 Months	7.99%
Used Boat / Used RV	24-66 Months	8.44%
New Boat	67-84 Months	8.49%
Used Boat	67-84 Months	8.94%

Rates are current as of 11/15/2024

*Based on vehicle/vessel year, underwriting, and/or amount borrowed. Certain requirements may apply. Maximum term may be determined by the specific loan request made. Maximum term may impact APR. For example, auto loans with 67-78 month terms are subject to an additional 50 bps or .50% rate increase, auto loans with 79-84 month terms are subject to an additional 100 bps or 1.00% rate increase.

**Based on vehicle/vessel year, underwriting, and/or amount borrowed. Certain requirements may apply. Maximum term may be determined by the specific loan request made. Maximum term may impact APR. For example, motorcycle loans with 67-78 month terms are subject to an additional 50 bps or .50% rate increase, motorcycle loans with 79-84 month terms are subject to an additional 100 bps or 1.00% rate increase.

***All loan rates are subject to change without notice. All loan rates are based on an Annual Percentage Rate (APR). Monthly Addition Financial loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term. For example, a new vehicle loan of $10,000 with an 84 month term and a 7.44% APR, monthly payments would approximately be $153.56; and for a used vehicle loan of $10,000 with an 84 month term and a 7.99% APR, monthly payments would approximately be $156.32. A loan processing fee will be charged. The fee is 2% of the loan amount issued with a minimum fee of $30 and a maximum fee of $85. The loan processing fee will affect the APR shown.

Personal Loans

Type*	Maximum Term	APR As Low As
Signature Loan	60 Months	12.00%
Share Loan	120 Months	60 months Certificate Rate + 3%
Certificate Loan	Certificate Term	60 months Certificate Rate + 3%

Rates are current as of 09/22/2023

*Total aggregate unsecured debt with Addition Financial cannot exceed $100,000.

All loan rates are subject to change without notice. All loan rates are based on an Annual Percentage Rate (APR). Monthly Addition Financial loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term. A loan processing fee is charged on signature loans. The fee is 2% of the loan amount issued with a minimum fee of $30 and a maximum fee of $85. The loan processing fee will affect the APR shown.

Business Accounts

Type	Minimum Balance to earn APY	Annual Percentage Yield (APY)	Dividend Rate
Business Member Share	$50 - $999.99	0.01%	0.01%
Business Member Share	$1,000 +	0.05%	0.05%
Business Savings	$50 - $999.99	0.01%	0.01%
Business Savings	$1,000 +	0.05%	0.05%
Business Enterprise Checking	$25,000 +	0.05%	0.05%
Business Nonprofit Checking	$50,000 +	0.05%	0.05%

Business Premium Money Market Accounts

Type	Minimum Balance to earn APY	Annual Percentage Yield (APY)	Dividend Rate
Premium Money Market	$1,000-$24,999.99	0.05%	0.05%
Premium Money Market	$25,000- $99,999.99	1.01%	1.00%
Premium Money Market	$100,000-$249,999.99	1.51%	1.50%
Premium Money Market	$250,000-$999,999.99	2.02%	2.00%
Premium Money Market	$1,000,000+	2.79%	2.75%

Rates are current as of 01/17/2024

For business share savings, and premium money market accounts, dividends are compounded daily and paid monthly. Fees or conditions could reduce earnings. All rates are subject to change without notice.