Minimum to Earn Dividends $50.00 $0.00 $0.00 $0.00 $0.00

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1 Share Rate Sheet as of March 5, 2018 Share/Savings Accounts Dividend Rate Regular Savings Savings (Additional) Savings IRA Holiday Club Vacation Club Minimum to Open $5.00 Minimum to Earn Dividends $50.00 Share Certificates & IRA Certificates 3 Months 6 Months 12 Months 24 Months 36 Months 48 Months 60 Months Dividend Rates 0.75% 1.51% 1.60% 1.76% 1.87% 2.00% 0.75% 1.52% 1.61% 1.77% 1.89% 2.02% Transfers and withdrawals from the saving accounts listed above to another account of yours or third parties by preauthorized or automatic transfer, telephone,, home banking or check, draft, debit card or similar order payable to third parties are limited to six per month. Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Money Market Accounts Tier 1 Tier 2 Tier 3 Tier 4 Minimum $1,000 $2, $2,500 $9, $10,000 $24, $25,000 or More Dividend Rate 0.30% 0.40% 0.45% APY 0.30% 0.40% 0.45% Transfers and withdrawals from a Money Market account to another account of yours or to third parties by preauthorized or automatic transfer, telephone, home banking or check, draft, debit card or similar order payable to third parties are limited to six per month. IRA Certificate Promotions 12 Months Dividend Rates 2.00% 2.02% This offer including the stated Annual Percentage Yield (APY) is effective March 1, 2018 and will end effective March 31, Amounts deposited into this account must be new money only. New money is defined as funds not already on deposit at XCEL FCU. Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly.

2 Share Rate Sheet as of March 5, 2018 Kasasa Savings Account Kasasa Cash Kasasa Saver Dividend Rate 1.99% 1.00% 2.01% 1.00% To qualify members need to be signed up for E Statements and 12 debit transactions a month. If qualifications are met for Kasasa Cash, balances up to $25,000 receive 2.01% APY; and balance over $25,000 earn 0.30% APY on the portion of the balances over $25,000, resulting in a range from 0.30% to 2.01% APY depending on the account s balance. If qualifications are met for Kasasa Saver, balances up to $15,000 receive 1.00% APY; and balance over $15,000 earn 0.30% APY on the portion of the balances over $15,000, resulting in a range from 0.30% to 1.00% APY depending on the account s balance. If qualifications are not met for Kasasa Cash & Kasasa Saver, all balances in the account earn.03% APY. Checking Accounts Checking Tier 2 Minimum Dividend Rate 0.00% $2, % 0.00% 0.05% Rates are subject to changee without notice. Fees may reduce earnings.

3 Fixed Rate Mortgages Interest Rate 30 Year Fixed 4.50% 20 Year Fixed 4.25% 15 Year Fixed 4.00% 10 Year Fixed 3.875% 4.703% 4.527% 4.352% 4.381% Fixed Rate Home Equity 5 Year Fixed 3.99% 10 Year Fixed 4.49% 15 Year Fixed 4.99% Maximum Loan Amount Maximum Combined LTV Rates may vary subject to loan amount, loan term, loan to value ratio and credit rating. Therefore, your rate, and fees may differ. Private Mortgage Insurance is required for down payments that are less than 20%. Property insurance is required. Flood insurance may be required. An escrow account for payment of taxes and insurance will be established. Financing available on 1 4 Family Owner Occupied Primary Residences and Second Homes. All loans are subject to credit app proval. Home Equ uity Line of Credit Home Equity Line 4.50% Interest Only** 4.50% * = Annual Percentage Rate. Rates are subject to change at any time. Rates are based on an evaluation of credit history; therefore, your rate may differ. Approvals are Fixed Rate Home Equity Loans are availablee on primary residence and second homes. A sample loan payment based on $100,000 at a rate of 4.99% for 15 years would have a monthly payment of $ XCEL FCU will pay most of your closing costs on a home equity application excluding government recording charges and taxes when required.. Loans paid off and closed in less than two years from the loan origination will require reimbursement of all closing costs paid by XCEL FCU. Closing costs depend on the location of the property and the amount of the Equity Loan. Maximum Loan Amount Maximum Combined LTVV *= Annual Percentage Rate. Rates are subject to change at any time. Rates are based on an evaluation of credit history; therefore, your rate may differ. Approvals are subject to our underwriting criteria. All Home Equity Lines are variable rate products based on the Prime Rate as published in the Wall Streett Journal. The minimumm (floor rate) that can apply is 4.00% and the maximum (ceiling rate) is 18.00%. Home Equity Lines of Credit are available on primary residences and second homes. Members may borrow against their available credit line for a period of 10 years, after which any existingg balance must be paid in full within the following 15 years. **Payments are interest only for 7 years and then change to principal and interest for the remaining 15 years. XCEL FCU will pay most of your closing costs on a home equity application excluding government recording charges and taxes when required. Home Equity Lines paid off and closed in less than two years from the loan origination will require reimbursement of all closing costs paid by XCEL FCU. Closing costs depend on the location of the property and the amountt of the Home Equity Line of Credit.

4 Vehicle Loans Personal & Secured Loanss New Auto/Truck/Motorcycle** Used Auto/Truck/Motorcycle** 1.99% 2.49% 2.79% 2.99% 3.49% 2.49% 2.99% 3.49% 3.99% 4.49% Up to 36 months months months Up to 36 months months months Personal/Debt Consolidation 4.99% 9.99% 5.99% 11.99% 7.99% 13.99% Share Secured Certificate Secured 9.49% 14.99% Share Rate % Certificate Rate % Line of Credit 9.99% Up to 12 months months months months Up to 120 months *= Annual Percentagee Rate. Rates are subject to change at any time. Motorcycle s are 1.00%above the advertised rate. Rates are based on an evaluation of credit history; therefore, your rate may differ. Approvals are Loan Payment Example: New auto loan of $25,000 for 60 months at 2.79% will have a monthly payment of $ New Vehicles are year models 2018 & 2017 with 10,000 miles or less. Used Vehicles are 5 years old or newer. Refinancing available on loans with other lenders. Rates are based on an evaluation of credit history; therefore, your rate may differ. Approvalss are In some cases, XCEL will pay your debtor directly then request the account be closed. Personal/Debt Consolidation Loans: Loan Payment Example: Personal Loan of $3,000 for 12 months has a payment range of $257 to $264. Share Secured Loans: As the loan is paid off, more shares become available to you. Shares continue to earn dividends. Loan Payment Example: Share Secured Loan of $1,200 for 12 months at 2.10% will have a monthly payment of $ Certificate Secured Loans: Loan amount cannot exceed thee amount of shares in the certificate. The loan term must be equal to or less than the certificate term. Loan Payment Example: Certificate Secured Loan of $3,000 for 24 months at 3.44% will have a monthly payment of $

5 Boat & Recreational Vehicle Loan New Boat & Recreational Vehicle Used Boat & Recreational Vehicle 8.00% 9.00% 10.00% 11.00% months 8.50% 9.50% 10.50% 11.50% months Credit Cards Credit Card Type Platinum Visa 10.99% *= =Annual Percentage Rate. Rates are subject to change at any time. Credit Cards are variable rate products based on the Prime Rate as published in the Wall Street Journal and are subject to change monthly. See credit card terms and conditions for more details. Variable Rates are based on an evaluation of credit history; therefore, your rate may differ. Approvals are subject to ourr underwriting criteria. Repayment terms of 3% of the outstanding balance or $10; whichever is greater. Rates are based on an evaluation of credit history; therefore, your rate may differ. Approvals are Loan Payment Example: New boat loan of $30,000 for 60 months at 8.00% will have a monthly payment of $ Boat and Recreational Vehicles must be used for recreational purposes only.