APY = Annual Percentage Yield.

APR = Annual Percentage Rate.

²Lafayette Federal membership is required. Offer is valid through December 31, 2026. Offer is subject to change without notice. $200 checking account offer not available to existing Lafayette Federal members. You can receive only one checking account related bonus per membership. Promo is good for one-time use per membership. Member must open a Lafayette Federal checking account, debit card, and online banking to be eligible. To receive $200, member must first set up and maintain at least one (1) qualified direct deposit (QDD) of at least $500 per month. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security, or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. QDD must be established within 45 days of account opening. $200 will be deposited within 60 days of meeting requirements.  Savings account and loan offer eligible to all new memberships within first 45 days of account opening. To earn additional $50, member must then open a Preferred or Premier savings account and deposit at least $100 into the savings account within the first 45 days of account opening. $50 will be deposited within 60 days of meeting requirements. To earn the final $50, member must apply for an eligible consumer loan within the first 45 days of account opening. Eligible consumer loan applications include Credit Cards, Signature Loans, Redi Cash Loans, Credit Builder Loans, and Auto Loans. Excluded products include mortgages, Home Equity Loans and Lines of Credit, and Home Improvement Loans. Loan approval is subject to creditworthiness. $50 will be deposited within 60 days of meeting requirements. A $50 minimum balance is required to open and maintain a Lafayette Federal share savings account and earn 0.10% APY (Annual Percentage Yield). APY is subject to change.

³APR = Annual Percentage Rate. Rates as of August 4, 2026. Lafayette Federal Credit Union Home Equity Line of Credit (HELOC) refers to an owner-occupied primary residence. HELOC products are not available for investment properties. The maximum combined loan-to-value (CLTV)⁵ on home equity lines of credit is 99%, which assumes that the total of all existing loans amount does not exceed 95% of the appraised property value. The Annual Percentage Rate (APR) for variable rate loan products may increase in accordance with the Wall Street Journal Prime Rate (“Index” currently 6.75% as of August 4, 2026), a Margin 0.50% will be added to loans with a CLTV greater than 80%. The maximum APR at any time is 18.00%. Rates and offers are in effect for a limited time and subject to change without notice. A minimum initial draw of $10,000 is required on the variable rate HELOC and a minimum initial draw of $100,000 is required for the fixed rate HELOC. Other terms and conditions apply. Closing Cost is estimated to range from $1,000 to $3,000, depending on the loan amount and the property location. Total closing costs will be at the expense of the borrower. Homeowner’s insurance is required to have sufficient dwelling coverage. All loan applications are subject to credit approval. Home Equity Loans and Home Equity Lines of Credit are not available in Texas. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change at any time without notice. Please consult with a loan officer at 240-292-5562 for more information on a Lafayette Federal Home Equity Line of Credit. ⁵CLTV = Combined Loan-to-Value. Ratio measures all secured loans on a property compared to its total appraised value.

⁴Rebate is based on the total home price, not the amount mortgaged. Realty Rewards is an exclusive service provided by Lafayette Federal Credit Union in partnership with Century21 New Millennium. Terms and conditions apply. Equal Housing Lender. NMLS#: 464425