consumer loan rates

Arkansas

Fixed Rate New & Used Auto Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 36 Months	All Years**		6.60%
Up to 48 Months	All Years**		6.70%
Up to 60 Months	All Years**		6.85%
Up to 72 Months	2017 or Newer**		7.15%
Up to 84 Months	2019 or Newer		7.85%
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older. A 0.25% rate discount is available for electric vehicles.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans
Effective Date: September 01, 2023
Amount	Maximum Term		APR1 As Low As*
$25,000+	180 months		7.85%
$15,000 to $24,999	144 months		7.90%
$0 to $14,999	84 months		8.25%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 48 Months	All Years**		7.70%
Up to 60 Months	All Years**		7.85%
Up to 72 Months	2017 or Newer**		8.15%
Up to 84 Months	2019 or Newer		8.85%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older.

Fixed Rate Other Vehicle Loans
Effective Date: September 01, 2023
Minimum Amount			APR1 As Low As*
$1,000			11.39%
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2023
Loan-to-Value	Loan Amount	Term	APR1 As Low As*
80% or Less	$25,000 and above	120 months	8.75%
80% or Less	Less than $25,000	120 months	9.25%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score.

Home Equity Closed End, Fixed Rate Loans
Effective Date: September 01, 2023
Loan-to-Value	Maximum Term		APR1 As Low As*
80% or Less	60 Months		8.80%
80% or Less	120 Months		9.00%
80% or Less	180 Months		9.20%
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards
Effective Date: September 01, 2023
Card Type	Minimum Payment		Variable APR1*
Visa U Boost	2% of Balance or $20, whichever is greater		17.00% APR2
Visa U First	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-17.00% APR2
Visa U Rewards	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 17.00%-17.00% APR2
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Secured	Up to 60 Months		4.50%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month.

Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Certificate - CD Secured	Certificate Maturity		Certificate Rate + 3.25%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month.

Signature Loan
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Signature	Up to 60 Months		14.89%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: September 01, 2023
Loan Types		Minimum Payment	APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate*		3% of balance or $30 minimum whichever is higher	18.00%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate.

Indiana

Fixed Rate New & Used Auto Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 36 Months	All Years**		6.65%
Up to 48 Months	All Years**		6.75%
Up to 60 Months	All Years**		6.90%
Up to 72 Months	2017 or Newer**		7.15%
Up to 84 Months	2019 or Newer		7.70%
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older. A 0.25% rate discount is available for electric vehicles.

Fixed Rate New & Used RV, Boat Loans, and Horse Trailers
Effective Date: September 01, 2023
Amount	Maximum Term		APR1 As Low As*
$25,000+	180 months		8.80%
$15,000 to $24,999	144 months		8.90%
$0 to $14,999	84 months		9.20%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 48 Months	All Years**		7.75%
Up to 60 Months	All Years**		7.90%
Up to 72 Months	2017 or Newer**		8.15%
Up to 84 Months	2019 or Newer		8.70%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older.

Fixed Rate Other Vehicle Loans
Effective Date: September 01, 2023
Minimum Amount			APR1 As Low As*
$1,000			11.39%
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2023
Loan-to-Value	Loan Amount	Term	APR1 As Low As*
80% or Less	$25,000 and above	120 months	9.00%
80% or Less	Less than $25,000	120 months	9.50%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score.

Home Equity Closed End, Fixed Rate Loans
Effective Date: September 01, 2023
Loan-to-Value	Maximum Term		APR1 As Low As*
80% or Less	60 Months		9.05%
80% or Less	120 Months		9.25%
80% or Less	180 Months		9.45%
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards
Effective Date: September 01, 2023
Card Type	Minimum Payment		Variable APR1*
Visa® U Boost	2% of Balance or $20, whichever is greater		18.00% APR2
Visa U First	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2
Visa U Rewards	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Secured	Up to 60 Months		4.50%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month.

Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Certificate - CD Secured	Certificate Maturity		Certificate Rate + 3.25%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month.

Signature Loan
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Signature	Up to 60 Months		14.89%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: September 01, 2023
Loan Types		Minimum Payment	APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate*		3% of balance or $30 minimum whichever is higher	18.00%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate.

Michigan

Fixed Rate New & Used Auto Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 36 Months	All Years**		6.65%
Up to 48 Months	All Years**		6.75%
Up to 60 Months	All Years**		6.90%
Up to 72 Months	2017 or Newer**		7.15%
Up to 84 Months	2019 or Newer		7.70%
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older. A 0.25% rate discount is available for electric vehicles.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans
Effective Date: September 01, 2023
Amount	Maximum Term		APR1 As Low As*
$25,000+	180 months		8.30%
$15,000 to $24,999	144 months		8.40%
$0 to $14,999	84 months		8.75%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 48 Months	All Years**		7.75%
Up to 60 Months	All Years**		7.90%
Up to 72 Months	2017 or Newer**		8.15%
Up to 84 Months	2019 or Newer		8.70%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older.

Fixed Rate Other Vehicle Loans
Effective Date: September 01, 2023
Minimum Amount			APR1 As Low As*
$1,000			11.39%
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2023
Loan-to-Value	Loan Amount	Term	APR1 As Low As*
80% or Less	$25,000 and above	120 months	8.75%
80% or Less	Less than $25,000	120 months	9.25%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score.

Home Equity Closed End, Fixed Rate Loans
Effective Date: September 01, 2023
Loan-to-Value	Maximum Term		APR1 As Low As*
80% or Less	60 Months		8.80%
80% or Less	120 Months		9.00%
80% or Less	180 Months		9.20%
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards
Effective Date: September 01, 2023
Card Type	Minimum Payment		Variable APR1*
Visa U Boost	2% of Balance or $20, whichever is greater		18.00% APR2
Visa U First	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2
Visa U Rewards	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Secured	Up to 60 Months		4.50%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month.

Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Certificate - CD Secured	Certificate Maturity		Certificate Rate + 3.25%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Signature	Up to 60 Months		14.89%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: September 01, 2023
Loan Types		Minimum Payment	APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate*		3% of balance or $30 minimum whichever is higher	18.00%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate.

Nevada

Fixed Rate New & Used Auto Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 36 Months	All Years**		6.35%
Up to 48 Months	All Years**		6.45%
Up to 60 Months	All Years**		6.60%
Up to 72 Months	2017 or Newer**		6.90%
Up to 84 Months	2019 or Newer		7.60%
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older. A 0.25% rate discount is available for electric vehicles.

Fixed Rate New & Used RV, Boat Loans, and Horse Trailers
Effective Date: September 01, 2023
Amount	Maximum Term		APR1 As Low As*
$25,000+	180 months		8.30%
$15,000 to $24,999	144 months		8.35%
$0 to $14,999	84 months		8.70%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 48 Months	All Years**		7.45%
Up to 60 Months	All Years**		7.60%
Up to 72 Months	2017 or Newer**		7.90%
Up to 84 Months	2019 or Newer		8.60%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older.

Fixed Rate Other Vehicle Loans
Effective Date: September 01, 2023
Minimum Amount			APR1 As Low As*
$1,000			11.39%
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2023
Loan-to-Value	Loan Amount	Term	APR1 As Low As*
80% or Less	$25,000 and above	120 months	9.00%
80% or Less	Less than $25,000	120 months	9.50%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score.

Home Equity Closed End, Fixed Rate Loans
Effective Date: September 01, 2023
Loan-to-Value	Maximum Term		APR1 As Low As*
80% or Less	60 Months		9.30%
80% or Less	120 Months		9.50%
80% or Less	180 Months		9.70%
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards
Effective Date: September 01, 2023
Card Type	Minimum Payment		Variable APR1*
Visa U Boost	2% of Balance or $20, whichever is greater		18.00% APR2
Visa U First	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2
Visa U Rewards	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Secured	Up to 60 Months		4.50%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month.

Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Certificate - CD Secured	Certificate Maturity		Certificate Rate + 3.25%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month.

Signature Loan
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Signature	Up to 60 Months		14.89%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: September 01, 2023
Loan Types		Minimum Payment	APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate*		3% of balance or $30 minimum whichever is higher	18.00%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate.

North Carolina

Fixed Rate New & Used Auto Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 36 Months	All Years**		6.10%
Up to 48 Months	All Years**		6.20%
Up to 60 Months	All Years**		6.35%
Up to 72 Months	2017 or Newer**		6.65%
Up to 84 Months	2019 or Newer		7.35%
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older. A 0.25% rate discount is available for electric vehicles.

Fixed Rate New & Used RV, Boat Loans, and Horse Trailers
Effective Date: September 01, 2023
Amount	Maximum Term		APR1 As Low As*
$25,000+	180 months		8.30%
$15,000 to $24,999	144 months		8.40%
$0 to $14,999	84 months		8.70%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 48 Months	All Years**		7.20%
Up to 60 Months	All Years**		7.35%
Up to 72 Months	2017 or Newer**		7.65%
Up to 84 Months	2019 or Newer		8.35%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older.

Fixed Rate Other Vehicle Loans
Effective Date: September 01, 2023
Minimum Amount			APR1 As Low As*
$1,000			11.39%
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2023
Loan-to-Value	Loan Amount	Term	APR1 As Low As*
80% or Less	$25,000 and above	120 months	9.00%
80% or Less	Less than $25,000	120 months	9.50%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score.

Home Equity Closed End, Fixed Rate Loans
Effective Date: September 01, 2023
Loan-to-Value	Maximum Term		APR1 As Low As*
80% or Less	60 Months		9.05%
80% or Less	120 Months		9.25%
80% or Less	180 Months		9.45%
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards
Effective Date: September 01, 2023
Card Type	Minimum Payment		Variable APR1*
Visa U Boost	2% of Balance or $20, whichever is greater		18.00% APR2
Visa U First	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2
Visa U Rewards	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Secured	Up to 60 Months		4.50%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month.

Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Certificate - CD Secured	Certificate Maturity		Certificate Rate + 3.25%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month.

Signature Loan
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Signature	Up to 60 Months		14.89%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: September 01, 2023
Loan Types		Minimum Payment	APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate*		3% of balance or $30 minimum whichever is higher	18.00%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate.

Ohio

Fixed Rate New & Used Auto Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 36 Months	All Years**		6.85%
Up to 48 Months	All Years**		6.95%
Up to 60 Months	All Years**		7.10%
Up to 72 Months	2017 or Newer**		7.35%
Up to 84 Months	2019 or Newer		7.90%
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older. A 0.25% rate discount is available for electric vehicles.

Fixed Rate New & Used RV, Boat Loans, and Horse Trailers
Effective Date: September 01, 2023
Amount	Maximum Term		APR1 As Low As*
$25,000+	180 months		8.00%
$15,000 to $24,999	144 months		8.10%
$0 to $14,999	84 months		8.40%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 48 Months	All Years**		7.95%
Up to 60 Months	All Years**		8.10%
Up to 72 Months	2017 or Newer**		8.35%
Up to 84 Months	2019 or Newer		8.90%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older.

Fixed Rate Other Vehicle Loans
Effective Date: September 01, 2023
Minimum Amount			APR1 As Low As*
$1,000			11.39%
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2023
Loan-to-Value	Loan Amount	Term	APR1 As Low As*
80% or Less	$25,000 and above	120 months	9.25%
80% or Less	Less than $25,000	120 months	9.75%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score.

Home Equity Closed End, Fixed Rate Loans
Effective Date: September 01, 2023
Loan-to-Value	Maximum Term		APR1 As Low As*
80% or Less	60 Months		9.15%
80% or Less	120 Months		9.50%
80% or Less	180 Months		9.55%
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards
Effective Date: September 01, 2023
Card Type	Minimum Payment		Variable APR1*
Visa U Boost	2% of Balance or $20, whichever is greater		18.00% APR2
Visa U First	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2
Visa U Rewards	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Secured	Up to 60 Months		4.50%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month.

Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Certificate - CD Secured	Certificate Maturity		Certificate Rate + 3.25%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month.

Signature Loan
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Signature	Up to 60 Months		14.89%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: September 01, 2023
Loan Types		Minimum Payment	APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate*		3% of balance or $30 minimum whichever is higher	18.00%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate.

Oklahoma

Fixed Rate New & Used Auto Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 36 Months	All Years**		6.60%
Up to 48 Months	All Years**		6.70%
Up to 60 Months	All Years**		6.85%
Up to 72 Months	2017 or Newer**		7.15%
Up to 84 Months	2019 or Newer		7.85%
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older. A 0.25% rate discount is available for electric vehicles.

Fixed Rate New & Used RV, Boat Loans, and Horse Trailers
Effective Date: September 01, 2023
Amount	Maximum Term		APR1 As Low As*
$25,000+	180 months		7.85%
$15,000 to $24,999	144 months		7.90%
$0 to $14,999	84 months		8.25%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 48 Months	All Years**		7.70%
Up to 60 Months	All Years**		7.85%
Up to 72 Months	2017 or Newer**		8.15%
Up to 84 Months	2019 or Newer		8.85%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older.

Fixed Rate Other Vehicle Loans
Effective Date: September 01, 2023
Minimum Amount			APR1 As Low As*
$1,000			11.39%
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2023
Loan-to-Value	Loan Amount	Term	APR1 As Low As*
80% or Less	$25,000 and above	120 months	8.75%
80% or Less	Less than $25,000	120 months	9.25%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score.

Home Equity Closed End, Fixed Rate Loans
Effective Date: September 01, 2023
Loan-to-Value	Maximum Term		APR1 As Low As*
80% or Less	60 Months		8.80%
80% or Less	120 Months		9.00%
80% or Less	180 Months		9.20%
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards
Effective Date: September 01, 2023
Card Type	Minimum Payment		Variable APR1*
Visa U Boost	2% of Balance or $20, whichever is greater		17.00% APR2
Visa U First	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-17.00% APR2
Visa U Rewards	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 17.00%-17.00% APR2
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Secured	Up to 60 Months		4.50%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month.

Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Certificate - CD Secured	Certificate Maturity		Certificate Rate + 3.25%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month.

Signature Loan
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Signature	Up to 60 Months		14.89%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: September 01, 2023
Loan Types		Minimum Payment	APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate*		3% of balance or $30 minimum whichever is higher	18.00%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate.

Other

Fixed Rate New & Used Auto Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 36 Months	All Years**		6.85%
Up to 48 Months	All Years**		6.95%
Up to 60 Months	All Years**		7.10%
Up to 72 Months	2017 or Newer**		7.55%
Up to 84 Months	2019 or Newer		8.05%
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older. A 0.25% rate discount is available for electric vehicles.

Fixed Rate New & Used RV, Boat Loans, and Horse Trailers
Effective Date: September 01, 2023
Amount	Maximum Term		APR1 As Low As*
$25,000+	180 months		8.80%
$15,000 to $24,999	144 months		8.90%
$0 to $14,999	84 months		9.20%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans
Effective Date: September 01, 2023
Term	Vehicle Model Years		APR1 As Low As*
Up to 48 Months	All Years**		7.75%
Up to 60 Months	All Years**		7.90%
Up to 72 Months	2017 or Newer**		8.35%
Up to 84 Months	2019 or Newer		8.85%
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2018 and older.

Fixed Rate Other Vehicle Loans
Effective Date: September 01, 2023
Minimum Amount			APR1 As Low As*
$1,000			11.39%
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2023
Loan-to-Value	Loan Amount	Term	APR1 As Low As*
80% or Less	$25,000 and above	120 months	9.25%
80% or Less	Less than $25,000	120 months	9.75%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score.

Home Equity Closed End, Fixed Rate Loans
Effective Date: September 01, 2023
Loan-to-Value	Maximum Term		APR1 As Low As*
80% or Less	60 Months		9.15%
80% or Less	120 Months		9.50%
80% or Less	180 Months		9.55%
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards
Effective Date: September 01, 2023
Card Type	Minimum Payment		Variable APR1*
Visa U Boost	2% of Balance or $20, whichever is greater		18.00% APR2
Visa U First	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2
Visa U Rewards	2% of Balance or $20, whichever is greater		As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Secured	Up to 60 Months		4.50%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month.

Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Share Certificate - CD Secured	Certificate Maturity		Certificate Rate + 3.25%
1APR = Annual Percentage Rate. *Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month.

Signature Loan
Effective Date: September 01, 2023
Loan Types	Term		APR1 As Low As*
Fixed Rate Signature	Up to 60 Months		14.89%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: September 01, 2023
Loan Types		Minimum Payment	APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate*		3% of balance or $30 minimum whichever is higher	18.00%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate.