Personal Rates

Savings Accounts

Anticipated Dividends
January 1 - March 31, 2020

• _{Dividends compounded and paid quarterly. Balances earn the dividend rate within the disclosed tier where applicable.}
• _{Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day your deposits are posted to your account.}
• _{WINcentive Savings account is a restricted savings account type, early withdrawal penalties will apply. See WINcentive Member Participation Agreement for complete disclosures.}

Checking Accounts

Anticipated Dividends
January 1 - 31, 2020

• _{Dividends compounded and paid monthly.}
• _{Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day if the balance is above the required minimum stated above. Dividends will begin to accrue on the business day your deposits are posted to your account.}

_{† To qualify for the Hi Yield Checking, you must meet the following requirements between the first and 27th of each month: 1) Maintain a minimum end-of-day balance of $1,000 (waived the month of account opening); 2) Complete 15 Hiway debit or credit card purchases (must post to your account); and 3) Maintain enrollment in eDocuments. If requirements are met, the APY will vary based on the account balance. The rate paid on balances up to $25,000 will be the higher rate and the rate paid on balances $25,001 and over will be the lower rate, resulting in a blended APY. Accounts closed before calendar month end will not qualify for the higher rate. Primary account holder must be 18 years of age or older. Not available for business accounts. Rates subject to change. Activity between 28th and end of the month will not be counted toward qualifications.}

Money Market Accounts (includes HSA)

Anticipated Dividends
January 1 - 31, 2020

• _{A minimum deposit of $500 is required to open a money market. Balances earn the dividend rate within the disclosed tier. Dividends will be compounded and paid monthly.}
• _{Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day your deposits are posted to your account.}
• _{Minimum withdrawal is $500 with three (3) free withdrawals per month without incurring a fee.}

Certificate Accounts (includes IRA and CESA)^†

Anticipated Dividends
January 10 - 16, 2020

• _{A minimum balance of $500 is required to open a certificate and obtain the stated APY.}
• _{IRA and CESA Certificates are available in terms of 12 – 60 months and may be subject to IRS penalties. Consult your tax advisor for details.}
• _{An IRA is required to have an IRA Certificate and a CESA is required to have a CESA Certificate.}

• _{A minimum balance of $25 is required to open a Certificate Builder and obtain the stated APY.}
• _{Certificate Builder requires a monthly deposit using automatic transfer or direct deposit.}
• _{Certificate Builder is not available in an IRA or CESA.}
• _{Early withdrawal penalties may apply and are calculated on the balance at the time of withdrawal.}

_{† The APY is quoted for three- and six-month certificates in those categories and dividends are paid at maturity. Other certificate dividends are paid monthly to another account or compounded and credited quarterly. Certificate Builder, IRA and CESA Certificates are compounded and credited quarterly. Dividends will begin to accrue on the business day your deposit is posted to your account. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Early withdrawal penalties may apply. See Certificate Account disclosure for complete details.}

_{* APY is the Annual Percentage Yield and assumes dividends remain in the account. This document is a supplement to account disclosures. Rates are subject to change without notice. Fees or other conditions may also reduce earnings. Refer to the Service Fee Schedule for current fee information. Contact us at 651.291.1515 or 800.899.5626 for further information about applicable fees and terms.}

Consumer Loan Rates - Closed End

Consumer Loan Rates - Open End

_{*Annual Percentage Rate (APR) and Daily Periodic Rate (DPR) may vary based on credit history, age of collateral and length of loan. Rates quoted on auto, recreational vehicle, personal and personal computer loans include a 0.25% discount for having Automatic Payments. Rates are effective 1/1/2020 and are subject to change without notice. Contact a Hiway loan officer for details.}

_{+An example of a 4-year fixed rate monthly payment at the quoted rate would be 48 monthly payments of $22.16 per $1,000 borrowed.}

_{†An example of a 15-year fixed rate monthly payment at the quoted rate would be 180 monthly payments of $96.70 on a $10,000 loan.}

Mortgage Loan Rates

Rates effective: January 17, 2020

Rates for our most popular home mortgage products are below and any changes are usually posted by 12:00 noon Central Time. However, we recommend using our Loan Consultant to calculate your rate based on your specific circumstances and needs. You can also call us to receive current quotes or for information on options to lock in your interest rate.

_{*APR is the Annual Percentage Rate. Rates posted are indications only and may vary based on your individual circumstances and credit history. Rates are subject to change without notice.}

_{+An example of a 30-year fixed rate monthly mortgage payment at the rate quoted above would be $4.63 per $1,000 borrowed. Example calculation is based on a loan amount of $150,000. Payment example does not include taxes or insurance premiums.}

_{*APR is the Annual Percentage Rate. Rates are subject to change without notice.}

_{**Home Equity Line of Credit (HELOC) Introductory Rates as listed above are not based on the index and margin used to make later rate adjustments. You will receive the Introductory Rate for 12 months. This rate will adjust on the 1st day of the calendar quarter following the initial 12 month Introductory Period. The rate will continue to adjust quarterly until it reaches Hiway's current index plus margin rate as described below.}

_{The HELOC is a variable rate product and the Annual Percentage Rate (APR) and payment may change. The rate may adjust on the 1st day of each quarter based on an index plus margin and then rounded to the nearest 0.125%. The rate cannot increase or decrease by more than 0.5% per adjustment. The maximum APR is 14%. The APR does not include costs other than interest. 10 Year Draw Period: Payment will be 1.25% of any outstanding balance as of the last day of the billing cycle or $50, whichever is greater. 5 Year Repayment Period: During the Repayment Period, payments will be due monthly. Your minimum monthly payment will equal the balance that was outstanding at the end of the Draw Period fully amortized over 60 months, but will never be less than $50 or the full amount due. Loan approval is based on credit worthiness.}

_{Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year as listed in the Wall Street Journal. The index as listed on 1/16/2020 was 1.54% added to the margin of 3.750%, the current HELOC rate is 5.250% APR for a LTV up to 80%. The margin for a LTV of 80.01% to 100% is 4.750% resulting in a current rate of 6.250% APR.}

*APR is the Annual Percentage Rate. Rates are subject to change without notice.

Services and Fees

_{*Rates are effective 11/4/2019 and are subject to change without notice.}

<sub>1. Standard data rates apply.
2. Single Service accounts have a Share Savings only. Fees are waived if balance is above $500.</sub>