Rates

Savings/Checking

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Account	Rate	APY*
Regular Savings	0.03%	0.03%
Achievers Club (under age 19)	0.03%	0.03%
Holiday Club	0.03%	0.03%
Income Checking	0.03%	0.03%
Bonus Checking	This account does not pay dividends
Free For All Checking	This account does not pay dividends
RewardsPLUS Checking (Age 50+)	This account does not pay dividends
Community Club	This account does not pay dividends

* APY = Annual Percentage Yield

Federally insured by NCUA

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Columbia Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on the Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

Personal Fee Schedule

Truth-in-Savings Disclosure

Show Account Characteristics Hide Account Characteristics

Account Characteristics

Regular Savings*	Holiday Club Savings*
Minimum to open: $5 No dividend with average daily balance below $100 Two withdrawals per month (combined total) from any savings under same account; $.50 thereafter No monthly fee if: under age 19 or addt'l deposit or loan under same account or minimum balance of $300; otherwise, $3 Free mobile banking, online banking and e-statements	Minimum to open: $1 No dividend with average daily balance below $50 Withdrawals can be made with our branch or call center staff No monthly fee Annually, balance automatically transferred to designated savings or checking on Nov. 1 Free mobile banking, online banking and e-statements
Achievers Club Savings (Under Age 19)**	IRA Savings
Minimum to open: $5 Dividends paid on average daily balance to $0 Six withdrawals per month (combined total) from any savings suffix under membership number; $.50 thereafter No monthly fee No Columbia ATM fee on withdrawals from anywhere Automatically converts to Regular Savings account characteristics on 19th birthday. Free first 150 Columbia Custom checks Checking requires a qualified adult signer when member is under age 18 Achievers 12-month certificate: $100 minimum to open; allows deposits of $50 or more anytime Free mobile banking, online banking and e-statements	Columbia offers three IRA programs: Traditional, Roth and Coverdell Education Savings Account Minimum to open: $5 Dividends paid on average daily balance to $0 No monthly fee Contributions are flexible and can be made anytime throughout the year up to your contribution limit Make regular contributions using payroll deduction and/or automatic transfers up to your contribution limit Tax-deferred or tax-free earning may apply There are eligibility requirements and contribution limits. You must be eligible to make a contribution. Please see a branch representative or your tax advisor regarding these details.
Money Market Account*	Income Checking*
Minimum to open: $1,500 Tiered yields. Dividends paid on average daily balance to $0 No monthly fee with $1500 minimum balance; otherwise $8 per month Subject to Transaction Limitations on rate and fee schedule. See Bonus Dividend Plan on rate and fee schedule. Free mobile banking, online banking and e-statements	Minimum to open: $1 Dividends paid on average daily balance to $0 No monthly fee with direct deposit or $500 minimum balance otherwise, $7 per month Unlimited withdrawals Free mobile banking, online banking, bill pay and e-statements
Free For All Checking*	Bonus Checking*
Minimum to open: $1 No dividends paid No monthly fee No minimum balance Unlimited withdrawals Free mobile banking, online banking, bill pay and e-statements	Minimum to open: $1 No dividends paid $10 monthly fee No minimum balance Unlimited withdrawals Free Columbia Custom checks and money orders No Columbia ATM fee on checking withdrawals from anywhere Free mobile banking, online banking, bill pay and e-statements
RewardsPLUS Checking (Age 50+)**	Community Club Checking
Minimum to open: $1 No dividends paid No monthly fee No minimum balance Unlimited withdrawals Free Columbia Custom checks and money orders No Columbia ATM fee on checking withdrawals from anywhere 25% discount on safe deposit box rental Free mobile banking, online banking, bill pay and e-statements	A checking for our members' community activities with limited transactions Minimum to open: $1 No dividends paid No monthly fee No minimum balance 10 withdrawals per month; $0.25 thereafter ATM and Visa Debit access not available Free mobile banking, online banking, bill pay and e-statements

Money Market

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Account	Average Daily Balance $0 - $4,999.99		Average Daily Balance $5,000.00 - $9,999.99		Average Daily Balance $10,000.00 - $24,999.99		Average Daily Balance $25,000.00 - $49,999.99		Average Daily Balance $50,000.00 - $99,999.99		Average Daily Balance $100,000.00 +
	Rate	APY ₁	Rate	APY ₁	Rate	APY ₁	Rate	APY ₁	Rate	APY ₁	Rate	APY ₁
Money Market Account	0.03%	0.03%	0.03%	0.03%	0.06%	0.06%	0.10%	0.10%	0.15%	0.15%	0.18%	0.18%
Money Market Account w/ Bonus Dividend Plan ₂	0.03%	0.03%	0.03%	0.03%	0.07%	0.07%	0.13%	0.13%	0.19%	0.19%	0.23%	0.23%

₁ APY = Annual Percentage Yield

₂ Bonus Dividend Plan
Earn a bonus dividend on your money market balance when enrolled in the Bonus Dividend Plan ("Plan") and meet Plan requirements. Plan requirements: Columbia Credit Union personal checking account ("Checking") with a minimum balance of $2500 and either a direct deposit into Checking (in the current or previous statement period) or payment of a CCU loan in current statement period by automatic transfer from Checking. Checking, loan and money market accounts must be under the same membership number. To enroll in the Plan or to obtain additional information, visit any Columbia branch, use our secure "Contact Us" webform, online Live Chat, or call member service. Must enroll in the Plan and meet eligibility requirements by close of business on the last business day of the month to receive bonus dividend for that statement period. If the money market account is closed before a Plan dividend is credited, no portion of the accrued dividend will be received. Like regular money market account rates and yields, the Plan rates and yields are variable and may change without notice.

Federally insured by NCUA

Personal Fee Schedule

Truth-in-Savings Disclosure

IRA

IRA Certificates

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Term	Min. to Open & Earn Dividends	Average Daily Balance Up to $9,999.99		Average Daily Balance $10,000.00 - $49,999.99		Average Daily Balance $50,000.00 - $99,999.99		Average Daily Balance $100,000.00 +
		Rate	APY*	Rate	APY*	Rate	APY*	Rate	APY*
3 Month	$500.00	0.03%	0.03%	0.08%	0.08%	0.13%	0.13%	0.18%	0.18%
6 Month	$500.00	0.06%	0.06%	0.11%	0.11%	0.16%	0.16%	0.21%	0.21%
12 Month	$500.00	0.12%	0.12%	0.17%	0.17%	0.22%	0.22%	0.27%	0.27%
18 Month	$500.00	0.17%	0.17%	0.22%	0.22%	0.27%	0.27%	0.32%	0.32%
24 Month	$500.00	0.25%	0.25%	0.30%	0.30%	0.35%	0.35%	0.40%	0.40%
30 Month	$500.00	0.25%	0.25%	0.30%	0.30%	0.35%	0.35%	0.40%	0.40%
3 Year	$500.00	0.60%	0.60%	0.65%	0.65%	0.70%	0.70%	0.75%	0.75%
4 Year	$500.00	0.65%	0.65%	0.70%	0.70%	0.75%	0.75%	0.80%	0.80%
5 Year	$500.00	0.95%	0.95%	1.00%	1.00%	1.05%	1.05%	1.10%	1.10%
Achievers Club ** 12 Month	$100.00	0.12%	0.12%	0.17%	0.17%	0.22%	0.22%	0.27%	0.27%

Federally insured by NCUA

Personal Fee Schedule

Truth-in-Savings Disclosure

IRA Savings

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Account	Average Daily Balance $0 - $4,999.99		Average Daily Balance $5,000.00 - $24,999.99		Average Daily Balance $25,000.00 - $49,999.99		Average Daily Balance $50,000.00 +
	Rate	APY*	Rate	APY*	Rate	APY*	Rate	APY*
IRA Savings (SI)	0.03%	0.03%	0.10%	0.10%	0.15%	0.15%	0.20%	0.20%

* APY = Annual Percentage Yield

** Upon reaching the age of 19, renewal will no longer be at Achievers Club terms.

Federally insured by NCUA

Personal Fee Schedule

Truth-in-Savings Disclosure

Show Account Characteristics Hide Account Characteristics

Personal Certificate

Personal Certificates

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Term	Min. to Open & Earn Dividends	Average Daily Balance Up to $9,999.99		Average Daily Balance $10,000.00 - $49,999.99		Average Daily Balance $50,000.00 - $99,999.99		Average Daily Balance $100,000.00 +
		Rate	APY*	Rate	APY*	Rate	APY*	Rate	APY*
3 Month	$500.00	0.03%	0.03%	0.08%	0.08%	0.13%	0.13%	0.18%	0.18%
6 Month	$500.00	0.06%	0.06%	0.11%	0.11%	0.16%	0.16%	0.21%	0.21%
12 Month	$500.00	0.12%	0.12%	0.17%	0.17%	0.22%	0.22%	0.27%	0.27%
18 Month	$500.00	0.17%	0.17%	0.22%	0.22%	0.27%	0.27%	0.32%	0.32%
24 Month	$500.00	0.25%	0.25%	0.30%	0.30%	0.35%	0.35%	0.40%	0.40%
30 Month	$500.00	0.25%	0.25%	0.30%	0.30%	0.35%	0.35%	0.40%	0.40%
3 Year	$500.00	0.60%	0.60%	0.65%	0.65%	0.70%	0.70%	0.75%	0.75%
4 Year	$500.00	0.65%	0.65%	0.70%	0.70%	0.75%	0.75%	0.80%	0.80%
5 Year	$500.00	0.95%	0.95%	1.00%	1.00%	1.05%	1.05%	1.10%	1.10%
Achievers Club† 12 Month	$100.00	0.12%	0.12%	0.17%	0.17%	0.22%	0.22%	0.27%	0.27%

* APY = Annual Percentage Yield

Federally insured by NCUA

Personal Fee Schedule

Truth-in-Savings Disclosure

Business Deposits

Savings

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Account	Rate	APY*
Regular Savings	0.03%	0.03%

Checking

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Account	Rate	APY *
Business Plus Checking	0.03%	0.03%
FreeB Checking	This account does not pay dividends

High Yield Checking

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Average Daily Balance	Rate	APY*
$0 - $24,999.99	0.00%	0.00%
$25,000.00 - $49,999.99	0.10%	0.10%
$50,000.00 - $99,999.99	0.15%	0.15%
$100,000.00 - $249,999.99	0.18%	0.18%
$250,000.00+	0.20%	0.20%

Money Market Account

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Average Daily Balance	Rate	APY*
$0 - 9,999.99	0.03%	0.03%
$10,000.00 - $24,999.99	0.06%	0.06%
$25,000.00 - $49,999.99	0.10%	0.10%
$50,000.00 - $99,999.99	0.15%	0.15%
$100,000.00 - $499,999.99	0.18%	0.18%
$500,000.00 +	0.20%	0.20%

* APY = Annual Percentage Yield

Business Fee Schedule

Show Account Characteristics Hide Account Characteristics

Account Characteristics

Business Savings	Money Market Account
Minimum to open is $50 No dividend with average daily balance (ADB) below $100	Minimum to open is $1,500 Earns tiered dividends No monthly maintenance fee with $1,500 average minimum balance. Otherwise, $8 per month 20 transactions free per month; thereafter $0.20 per withdrawal/deposit 20 deposited checks free per month; thereafter $0.20 each $2,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*
Checking Accounts
FreeB	Basic
Minimum to open is $100 No monthly maintenance fee 100 transactions free per month; thereafter $0.20 per withdrawal/deposit 100 deposited checks free per month; thereafter $0.20 each $2,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*	Minimum to open is $100 No monthly maintenance fee with minimum $2,500 average daily balance. Otherwise $10 per month 100 transactions free per month; thereafter $0.20 per withdrawal/deposit 100 deposited checks free per month; thereafter $0.20 each $2,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*
Plus	High Yield
Minimum to open is $100 Earns dividends No monthly maintenance fee with $5,000 average daily balance. Otherwise, $15 per month 200 transactions free per month; thereafter $0.20 per withdrawal/deposit 200 deposited checks free per month; thereafter $0.20 each $5,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*	Minimum to open is $100 Earns tiered dividends No monthly maintenance fee with minimum $10,000 average daily balance. Otherwise, $15 per month 300 transactions free per month; thereafter $0.20 per withdrawal/deposit 300 deposited checks free per month; thereafter $0.20 each $5,000 cash withdrawn/deposited free per month; thereafter $0.10 per $100*

*Assessed the first week of each month for the prior month's cash activity.

Business Certificate

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Term	Min. to Open & Earn Dividends	Ave. Daily Balance $0 - $9,999.99		Ave. Daily Balance $10,000.00 - $49,999.99		Ave. Daily Balance $50,000.00 - $99,999.99		Ave. Daily Balance $100,000.00 - $249,999.99		Ave. Daily Balance $250,000.00
		Rate	APY*	Rate	APY*	Rate	APY*	Rate	APY*	Rate	APY*
3 Month	$500.00	0.03%	0.03%	0.08%	0.08%	0.13%	0.13%	0.18%	0.18%	0.23%	0.23%
6 Month	$500.00	0.06%	0.06%	0.11%	0.11%	0.16%	0.16%	0.21%	0.21%	0.26%	0.26%
12 Month	$500.00	0.12%	0.12%	0.17%	0.17%	0.22%	0.22%	0.27%	0.27%	0.32%	0.32%
18 Month	$500.00	0.17%	0.17%	0.22%	0.22%	0.27%	0.27%	0.32%	0.32%	0.37%	0.37%
24 Month	$500.00	0.25%	0.25%	0.30%	0.30%	0.35%	0.35%	0.40%	0.40%	0.45%	0.45%
30 Month	$500.00	0.25%	0.25%	0.30%	0.30%	0.35%	0.35%	0.40%	0.40%	0.45%	0.45%
3 Year	$500.00	0.60%	0.60%	0.65%	0.65%	0.70%	0.70%	0.75%	0.75%	0.80%	0.80%
4 Year	$500.00	0.65%	0.65%	0.70%	0.70%	0.75%	0.75%	0.80%	0.80%	0.85%	0.85%
5 Year	$500.00	0.95%	0.95%	1.00%	1.00%	1.05%	1.05%	1.10%	1.10%	1.14%	1.15%

* APY = Annual Percentage Yield

Business Fee Schedule

Truth-in-Savings Disclosure

Vehicle Loans

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New Vehicle (2016-2012) Vehicle Model & Mileage May Limit Loan Term
Repayment Period	Fixed Rate
24-48	Rates between 2.99% and 13.99% APR*
49-60	Rates between 2.99% and 14.99% APR*
61-72	Rates between 2.99% APR* and 16.99% APR*
73-84	Rates between 3.24% APR* and 16.99% APR*
Used Vehicle (2011-2009)
Repayment Period	Fixed Rate
24-48	Rates between 2.99% APR* and 13.99% APR*
49-60	Rates between 2.99% APR* and 14.99% APR*
61-72	Rates between 2.99% APR* and 16.99% APR*
All Other Secured Loans (2008 and Older Autos, Misc Loans with Collateral)
Repayment Period	Fixed Rate
24-36	Rates between 3.74% APR* and 15.99% APR*
37-48	Rates between 4.24% APR* and 16.99% APR*
over 48	Rates between 5.24% APR* and 16.99% APR*

*APR=Annual Percentage Rate. Your qualifying rate depends on credit qualifications including value of vehicle, term of loan, year of vehicle, residential status, credit and employment history. Discounts described below reduce your qualifying rate to as low as 2.99% APR. Payment example: If you borrow $20,000 for 60 months with an APR of 3.24% your monthly payment would be $361.51.

Discounts

Checking Relationship: Provides a .25% APR discount off your qualifying rate for automatic loan payments from a Columbia checking. Auto pay can be set up through online banking or by a Columbia representative; excludes payments with online bill pay.

E-Go Green Auto Provides a .25% APR or .50% APR discount off your qualifying rate for vehicles designated by the Environmental Protection Agency as SmartWay or SmartWay Elite. E-Go discounts require free paperless, e-statements.

All discounts subject to a minimum 2.99% APR.

Boats, RV's and Motor Homes

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Repayment Period	Fixed Rate
72	Rates Between 5.00% APR* and 16.99% APR*
96	Rates Between 5.00% APR* and 16.99% APR*
120	Rates Between 5.00% APR* and 16.99% APR*
144	Rates Between 5.00% APR* and 16.99% APR*
180	Rates Between 5.00% APR* and 16.99% APR*

Your APR depends on credit qualifications including value and year of vehicle, term of loan, residential status, credit and employment history. Rates accurate as of the date above and Columbia CU may offer other rates in the future. Maximum loan is $50,000. Contact us for other borrowing options for larger loan amounts. Payment example: If you borrow $30,000 for 120 months with an APR of 5% your monthly payment would be $318.20.

Discounts

Membership required to borrow.

ATVs and Snowmobiles

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Repayment Period	All Loan Amounts; Fixed Rate
36	Rates Between 6.74% APR* and 17.99% APR*
48	Rates Between 6.99% APR* and 17.99% APR*
60	Rates Between 7.24% APR* and 17.99% APR*
72	Rates Between 7.49% APR* and 17.99% APR*
84	Rates Between 7.74% APR* and 17.99% APR*

Your APR depends on credit qualifications including value and year of vehicle, term of loan, residential status, credit and employment history. Rates accurate as of the date above and Columbia CU may offer other rates in the future. Payment example: If you borrow $20,000 for 60 months with an APR of 7.24% your monthly payment would be $398.29.

Discounts

Membership required to borrow.

Motorcycles

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Repayment Period	Annual Percentage Rate (APR)
36	4.94% APR - 17.99% APR
48	4.94% APR - 17.99% APR
60	4.94% APR - 17.99% APR

Your APR depends on credit qualifications including value and year of vehicle, selected repayment period, residential status, credit and employment history. Rates accurate as of the date listed above and Columbia CU may offer other rates in the future. Payment example: If you borrow $8,000 for 60 months with an APR of 4.94% your monthly payment would be $150.75.

Discounts

Checking Relationship: Provides a .25% APR discount off your qualifying rate for automatic loan payments from a Columbia checking. Auto-pay transfers are easy to set up in Personal Online Banking or a Columbia CU representative can assist.

Membership required to borrow.

Fixed Home Equity

$0 - $49,999.99

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	Repayment Period	730+	690-729	670-689	640-669	620-639	619 & less
70% & Less LTV	60	4.50%	4.50%	4.75%	5%	5.25%	5.75%
	120	5%	5.38%	5.50%	5.75%	NA	NA
	180	5.25%	5.50%	5.75%	6%	NA	NA
71-80% LTV	60	4.75%	4.75%	5%	5.25%	5.50%	6%
	120	5.25%	5.63%	5.75%	6%	NA	NA
	180	5.50%	5.75%	6%	6.25%	NA	NA
Greater than 80% LTV	60	5.25%	5.25%	5.50%	5.75%	NA	NA
	120	5.75%	6.13%	6.25%	6.50%	NA	NA
	180	6%	6.25%	6.50%	6.50%	NA	NA

$50,000.00 - $100,000.00

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	Repayment Period	730+	690-729	670-689	640-669	620-639	619 & less
70% or less LTV	60	4%	4%	4%	4.25%	4.50%	5%
	120	4.25%	4.63%	4.38%	5%	NA	NA
	180	4.50%	4.75%	5%	5.25%	NA	NA
71-80% LTV	60	4%	4%	4.25%	4.50%	4.75%	NA
	120	4.50%	4.88%	5%	5.25%	NA	NA
	180	4.75%	5%	5.25%	5.50%	NA	NA
Greater than 80% LTV	60	4.50%	4.50%	4.75%	5%	NA	NA
	120	5%	5.38%	5.50%	5.75%	NA	NA
	180	5.25%	5.50%	5.75%	5.75%	NA	NA

APR = Annual Percentage Rate.

Equity Loan APR is fixed for the selected term. APR is determined by the amount requested, term selected, credit risk/Credit Score and LTV.

Membership required to borrow. All lines and loans subject to application and credit approval. Equal Housing Opportunity.

HELOC

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Credit Score	730+	690-729	670-689	640-669	620-639	619 & less
70% or less LTV	4%	4%	4%	4.25%	NA	NA
71-80% LTV	4%	4%	4.25%	5.25%	NA	NA
Greater than 80% LTV	4.50%	4.50%	4.75%	5.25%	NA	NA

APR=Annual Percentage Rate. APRs are variable and are based on the Wall Street Journal Prime rate (as quoted on the 10th business day before the end of the preceding quarter) plus a margin ranging from 0.75%-2% depending on your creditworthiness and loan-to-value. The minimum lifetime APR is 4% and the maximum lifetime APR is 15%. No annual fee the first year, thereafter $50. Typical closing costs range from $90-$1050, of which $400 (other than appraisal, if required) is waived. Columbia CU HELOCs are subject to application and credit approval. Please consult your tax advisor regarding tax deductibility of interest and charges. Homeowner's insurance is required. Membership required to borrow.

Home

Renew Home Improvement Loan Rates

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Repayment Period	Loan Amount	Annual Percentage Rate (APR*)
60 months	up to $4,999.99	7.74% - 11.74%
72 months	$5,000.00 to $7,499.99	7.74% - 11.74%
84 months	$7,500.00 to $10,000.00	7.74% - 11.74%

Renew Home Improvement Loan * APR = Annual Percentage Rate. Your qualifying rate depends on credit qualifications including term of loan, residential status, credit and employment history. Renew loans must be used for home improvement. Lowest rate available with checking relationship discount. Checking Relationship Discount provides a .25% APR discount off your qualifying rate for automatic loan payments from a Columbia checking. Auto pay can be set up through online banking or by a Columbia representative; excludes payments with online bill pay. Plan excludes lines of credit, credit card, share secured loans, 1st mortgages, home equity, Equity Builder and business loans.

Equity Builder Loan Rates

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	730+	690-729
70% or less LTV	5.25%	5.50%
71-80% LTV	5.50%	5.75%
Greater than 80% LTV	6%	6.25%

Equity Builder Loan *APR = Annual Percentage Rate. Your qualifying rate is determined by the amount requested, term selected, credit risk/Credit Score and LTV. Equity Builder Loans must be used for home improvement. Assume you borrow $50,000 with a $500 loan fee. The calculated APR on a 10 year loan with an interest rate of 7.99% would be 8.46% APR with monthly payments of $303.19. **Consult your tax advisor for your deductibility status.

Membership required to borrow.

Mortgage

Today's Rates

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RetireIt!

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Repayment Period	LTV	Fixed APR*
Up to 5 years	Up to 75%	3.24% - 3.99%
10 years	Up to 75%	3.74% - 4.24%
12 years	Up to 75%	3.99% - 4.74%

*Rates as low as 3.24. APR = Annual Percentage Rate. A $50,000 loan at 3.24% APR would have 60 monthly principal and interest payments of $903.27. Payment does not include taxes and insurance. If applicable, the actual payment obligation will be greater. Other low RetireIt! Mortgage APRs with terms of up to 12 years are available through our RetireIt! Mortgage refinance program. Maximum loan amount is $175,000. Maximum loan-to-value of 75%. Your APR depends on the mortgage term selected and your credit qualifications. Available for refinances only. $500 in closing costs for Washington properties. $1000 closing costs for Oregon properties. Membership required to borrow. The credit union may offer other loan rates and terms in the future. Membership required to borrow.

Custom Construction

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Loan Type	LTV	Note Rate*	Loan Fee	APR
Custom Construction 5/1 ARM (Variable)	up to 90%	4.00%	1.50%	4.23%
Custom Contruction Conforming* 30 Yr with 15 Yr Balloon (Fixed Rate Loans)	up to 90%	4.38%	1.50%	4.61%

*NOTE: For Jumbo Custom Construction Loans (>$417,000), please add .500% to rate. For loan amounts above $600,000 call for pricing. Other adjustments may apply. Please consult with a CCU Loan Officer.

Membership required to borrow.

Lot/Land

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Loan Type	Term	LTV	Note Rate*
Lot Loan	25 year amortization / 1/3/5 year Call - Fixed Rate	75%	Rates starting at 6.75% - 7.75%

Membership required to borrow.

Share/Certificate Secured Loans

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Share or Certificate Rate + 4.0% APR* rounded to the next .25% APR*

Personal Line of Credit

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10.00% APR* (variable)
18.00% APR* (fixed)

* APR = Annual Percentage Rate. The credit union offers various fixed and variable rates for loans. The periodic rate and corresponding APR (for fixed rate loans) and the margin that is added to the index (for variable rate loans) may depend on your credit profile, the loan type and other factors. There are no fees to apply for any personal Columbia loan.

**This line of credit rate is variable, based on the Wall Street Journal Western Edition prime rate as of the last day of November, February, May and August, plus a margin of 3.25%. Rates will adjust quarterly on the first calendar day of January, April, July and October and will not be less than 10% nor more than the maximum rate permitted by law.

Membership required to borrow.

All Other Personal Loans

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Repayment Period	Loan Amount	Fixed Rate
36	0 to $4,999.99	Rates between 11.00% and 17.99% APR*†
48	min $5,000.00	Rates between 11.00% and 17.99% APR*†
60	min $7,500.00	Rates between 10.50% and 17.99% APR*†

† Lowest rate available with checking relationship discount. Checking Relationship discount provides a qualifying rate discount of .25% APR for automatic loan payments from Columbia checking. Auto pay can be set up via online banking or through a Columbia representative; excludes payments with online bill pay. Plan excludes lines of credit, credit card, share-secured loans, 1st mortgages, home equity, and business loans.

All Other Personal Loan rates are not variable, may differ by applicant and are based on credit qualifications. Payment example: If you borrow $3,000.00 for 36 months at an APR of 12.00% your monthly payment would be $99.64

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$0 - $49,999.99

$50,000.00 - $100,000.00

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