Disclosures

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

18. Quoted rates include a 0.50% discount for automatic payments from a Palisades Credit Union account. Maximum loan term is 84 months. As an example: a 48-month term with a fixed rate of 4.49% APR would result in an estimated payment of $227.99 for each $10,000 financed.

2. APY = Annual Percentage Yield.

9. Minimum $500 opening deposit is required. Early withdrawal penalties may apply; fees may reduce earnings on account.

4. Foundation Checking is subject to a $2.95 monthly fee. To avoid this fee, you must opt-in to electronic delivery of your periodic account statement (e-Statements).

5. Neighborhood Checking is subject to a $15 monthly fee. To avoid this fee, you must maintain an aggregate minimum of $1,000 monthly direct deposit(s) or maintain a daily minimum balance of $1,500 in your Neighborhood Checking account.

6. Cornerstone Checking is subject to a $25 monthly fee. To avoid this fee, you must maintain an aggregate minimum of $5,000 monthly direct deposit(s), maintain a daily minimum balance of $10,000 in your Cornerstone Checking account, or maintain a combined daily balance of $25,000 across all membership shares (checking, savings, money market, certificates, and IRAs).

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

3. Prime Rate as of 1/1/2026 is 6.75%.

2. APY = Annual Percentage Yield.

9. Minimum $500 opening deposit is required. Early withdrawal penalties may apply; fees may reduce earnings on account.

10. Tax laws are subject to change. Consult a tax professional for more details.

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

20. Quoted rate includes a 0.50% discount for automatic payments from a Palisades Credit Union account. Maximum loan term is 60 months. As an example: a 60-month term with a fixed rate of 7.49% APR would result in an estimated payment of $200.33 for each $10,000 financed.

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

2. APY = Annual Percentage Yield.

3. Prime Rate as of 1/1/2026 is 6.75%.

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

19. Quoted rates include a 0.50% discount for automatic payments from a Palisades Credit Union account. Maximum loan term is 60 months (motorcycle), 120 months (boat), and 120 months (RV). As an example: a 48-month term with a fixed rate of 4.49% APR would result in an estimated payment of $227.99 for each $10,000 financed. Additionally, as an example: a 48-month term with a fixed rate of 9.49% APR would result in an estimated payment of $251.18 for each $10,000 financed.

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

3. Rate is subject to a 3.50% floor rate and maximum rate of 15.00%. The rate is based on the current published WSJ Prime Rate minus a margin of 0.10%. The margin is based on credit worthiness, loan-to-value, and lien position and will vary. Standard HELOcs have a 10-year draw period and 15-year repayment period.

10. Tax laws are subject to change. Consult a tax professional for more details. Prime Rate as of 1/1/2026 is 6.75%.

16. As an example: a 180-month term and a 70% total loan-to-value for a home equity loan with a fixed rate of 6.50% APR would result in an estimated payment of $9 for each $1,000 financed.

17. Closing costs are waived on loans/lines up to $250,000; additional conditions and geographic limitations may apply. 

24. Minimum loan amount is $25,000, maximum loan amount is $500,000. HELOCs have a floor rate of 3.50% and a ceiling of 15.00%. After the introductory rate period, rates will adjust based on the Wall Street Journal Prime Rate. Closing costs are waived on credit lines up to $250,000, additional conditions and geographic limitations may apply.

25. Minimum loan amount is $50,000, maximum loan amount is $500,000. The $500 rebate will be deposited directly after eligible loan is funded. Rates for this product are as low as 5.99%, subject to applicant credit, property details, loan term, and total amount financed. Closing costs are waived on loans up to $250,000, additional conditions and geographic limitations may apply.

2. APY = Annual Percentage Yield.

7. Minimum $2,500 opening deposit required. A $20 monthly fee will be assessed if minimum balance is not maintained. A maximum of six withdrawals is allowed per statement cycle; additional withdrawals will be imposed a fee. See Fee Schedule for details.

8. Minimum $10,000 opening deposit required. A $25 monthly fee will be assessed if minimum balance is not maintained. A maximum of two withdrawals is allowed per statement cycle; additional withdrawals will be imposed a fee. See Fee Schedule for details. Stated APY is variable and subject to change without notice.

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2. APY = Annual Percentage Yield.

11. At the age of 22, account is automatically converted into a Foundation Checking account.

12. At the age of 22, account is automatically converted into a Share Savings account.

13. Each dividend rate will apply only to the portion of the account balance within each balance range, resulting in a blended APY.