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 4.74% APR would result in an estimated payment of $229.12 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. Basic Checking is subject to a $15 monthly fee. To avoid this fee, you must opt-in to electronic delivery of your periodic account statement (e-Statements), receive a minimum monthly direct deposit of $500, maintain a minimum average monthly balance of $300, or have an active loan relationship.

5. The following qualifications must be met to qualify for ATM refunds each month: have at least 12 debit card purchases post and settle, be enrolled in e-Statements, and receive at least one direct deposit into your Rewards Checking account. Monthly qualification means a monthly calendar period. When Rewards Checking qualifications are met during a Monthly Qualification Cycle, you will receive reimbursement of up to $18 for nationwide ATM refunds incurred. When qualifications are not met, ATM fees are not refunded. Rewards Checking accounts with no debit card activity in a 90-day period will be converted to a Basic Checking account.

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 4.74% APR would result in an estimated payment of $229.12 for each $10,000 financed. Additionally, as an example: a 48-month term with a fixed rate of 9.74% APR would result in an estimated payment of $252.38 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.

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 balacne within each balance range, resulting in a blended APY.