37Purchase APR: 0.00% introductory APR for 12 months. After that 13.49% to 23.49%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer APR: 0.00% introductory APR for 12 months from account opening date for balance transfers completed within 60 days from the account opening date. After that, Balance Transfer APR will be 13.49% to 23.49%, based on creditworthiness and will vary with the market based on Prime rate. Cash Advance APR will be 18.49% to 28.49%, based on creditworthiness and will vary with the market based on Prime rate.

33The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 12/09/2024. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. There is a minimum balance requirement of $100,000 to open the jumbo certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.

32Promotion is for a 7-month CD with an APY of 4.00% or a 13-month CD with an APY of 3.75%. Annual percentage yield (APY) accurate as of 12/09/2024. Minimum balance of $500 to open certificate and obtain APY. Fees may reduce earnings. Early withdrawal penalty may apply. Offer may end at any time, contact OCCU for more details.  

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