Rate Card & Fee Schedule

Electric Vehicle Loan Rates
Loan Type	Min/Max Loan Amount	Term	APR as low as
¹ Clean Energy Vehicles must be either all-electric or plug-in hybrid electric. ² Visit your state DMV website to view state-specific requirements and fees. If Clean Energy CU exercises its right to file for the lien- recorded title, you will be responsible for any filing fees. ³ Vehicles are considered to be used vehicle if they have 10,000 miles+ or are model year 2020 and older. Maxium age for a used vehicle is 8 years old. ⁴ Rates shown include a 2.00% discount for automatic loan payments. ⁵ Add 1.00% to rates shown for electric motorcycles, and add 0.50% for loans that exceed 100% loan-to-value. ⁶ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
Loan Type New Electric Vehicle^{1 2}	Min/Max Loan Amount $3,000 to $90,000 up to 110% Loan-to-Value	Term 4 years	APR as low as 5.89%^{4 5 6}
Loan Type New Electric Vehicle^{1 2}	Min/Max Loan Amount $3,000 to $90,000 up to 110% Loan-to-Value	Term 5 years	APR as low as 5.99%^{4 5 6}
Loan Type New Electric Vehicle^{1 2}	Min/Max Loan Amount $3,000 to $90,000 up to 110% Loan-to-Value	Term 6 years	APR as low as 6.39%^{4 5 6}
Loan Type Used Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $90,000 up to 110% Loan-to-Value	Term 4 years	APR as low as 6.39%^{4 5 6}
Loan Type Used Electric Vehicle^{1 2 3}	Min/Max Loan Amount $3,000 to $90,000 up to 110% Loan-to-Value	Term 5 years	APR as low as 6.49%^{4 5 6}

Green Home Improvement Loans
Loan Type	Min/Max Loan Amount	Term	APR as low as
¹ Loans must be used for qualifying clean energy products and services – see list here: www.cleanenergycu.org/eligibleproducts. ² Secured loans only: secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filling fee that depends on number of filings required, FICO score, loan amount, and project location which shall be either $100 or $250 (or $350 in CA, FL, IL, MD, PA, and TN). ³ Loan processing fee: $100 due at funding. ⁴ Rates shown include a 2.00% discount for automatic loan payments. ⁵ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁶ Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the the following programs: ^a New York State NYSERDA program: 0.50% ^b Colorado State RENU program: 0.50% ^c Clean Energy Advantage “CEA” program in Maryland and Washington DC: 0.50% (d) City of Bloomington Green Home Improvement program: 0.50%
Loan Type Secured Green Home Improvement Loans^{1 2 3}	Min/Max Loan Amount $3,000 to $50,000	Term 3 years	APR as low as 5.75%^{4 5 6}
Loan Type Secured Green Home Improvement Loans^{1 2 3}	Min/Max Loan Amount $3,000 to $50,000	Term 5 years	APR as low as 6.25%^{4 5 6}
Loan Type Secured Green Home Improvement Loans^{1 2 3}	Min/Max Loan Amount $3,000 to $50,000	Term 10 years	APR as low as 7.25%^{4 5 6}
Loan Type Unsecured Green Home Improvement Loans^{1 3}	Min/Max Loan Amount $1,000 to $35,000	Term 3 years	APR as low as 8.00%^{4 5 6}
Loan Type Unsecured Green Home Improvement Loans^{1 3}	Min/Max Loan Amount $1,000 to $35,000	Term 5 years	APR as low as 9.00%^{4 5 6}
Loan Type Unsecured Green Home Improvement Loans^{1 3}	Min/Max Loan Amount $1,000 to $35,000	Term 10 years	APR as low as 10.00%^{4 5 6}

Solar PV System Loans
Loan Type	Min/Max Loan Amount	Term	APR as low as
¹ Secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filling fee that depends on number of filings required, FICO score, loan amount, and project location which shall be either $100 or $250 (or $350 in CA, FL, IL, MD, PA, and TN). ² Loan processing fee: $100 due at funding. ³ The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost. The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short term loan or 70% for long term loans. ⁴ Rate shown assumes that short-term loan balloon payment is fully repaid at maturity; if not, the interest rate is 17.99%. ⁵ Clean Energy Credit Union’s solar contractor partners may offer lower rates with modified terms. ⁶ Rates shown include a 2.00% discount for automatic loan payments. ⁷ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁸ Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the following programs: ^a New York State NYSERDA program: 0.50% ^b Colorado State RENU program: 0.50% ^c Clean Energy Advantage “CEA” program in Montgomery County (MD) and Washington DC: 0.50% (d) City of Bloomington Green Home Improvement program: 0.50%
Loan Type Short-Term Solar Electric System Loan (i.e. Solar Tax Credit Loan)^{1 2}	Min/Max Loan Amount $3,000 to $90,000 Typically 30% Loan-to-Value³	Term 12 or 18 months	APR as low as 7.49%^{4 5 6 7}
Loan Type Long-Term Solar Electric System Loan^{1 2}	Min/Max Loan Amount $3,000 to $90,000 Typically 70% Loan-to-Value³	Term 12 years	APR as low as 7.49%^{5 6 7 8}
Loan Type Long-Term Solar Electric System Loan^{1 2}	Min/Max Loan Amount $3,000 to $90,000 Typically 70% Loan-to-Value³	Term 15 years	APR as low as 7.75%^{5 6 7 8}
Loan Type Long-Term Solar Electric System Loan^{1 2}	Min/Max Loan Amount $3,000 to $90,000 Typically 70% Loan-to-Value³	Term 20 years	APR as low as 7.99%^{5 6 7 8}

Geothermal System/Ground-Source Heat Pump Loans
Loan Type	Min/Max Loan Amount	Term	APR as low as
¹ Secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filling fee that depends on number of filings required, FICO score, loan amount, and project location which shall be either $100 or $250 (or $350 in CA, FL, IL, MD, PA, and TN). ² Loan processing fee: $100 due at funding. ³ The combined amounts of a short-term and long-term loan cannot exceed 100% of the project cost. The short-term loan amount is typically 30% of the project cost, and the long-term loan amount is typically for the remaining balance (70% ). In certain instances, the member may choose to go above 30% for the short term loan or 70% for long term loans. ⁴ Rate shown assumes that short-term loan balloon payment is fully repaid at maturity; if not, the interest rate is 17.99%. ⁵ Rates shown include a 2.00% discount for automatic loan payments. ⁶ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁷ Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the the following programs: ^a New York State NYSERDA program: 0.50% ^b Colorado State RENU program: 0.50% ^c Clean Energy Advantage “CEA” program in Montgomery County (MD) and Washington DC: 0.50% (d) City of Bloomington Green Home Improvement program: 0.50%
Loan Type Short-Term Geothermal System Loan (i.e. Geothermal Tax Credit Loan)^{1 2}	Min/Max Loan Amount $3,000 to $90,000 Typically 30% Loan-to-Value³	Term 12 or 18 months	APR as low as 7.49%^{4 5 6}
Loan Type Long-Term Geothermal System Loan^{1 2}	Min/Max Loan Amount $3,000 to $90,000 Typically 70% Loan-to-Value³	Term 12 years	APR as low as 7.49%^{5 6 7}
Loan Type Long-Term Geothermal System Loan^{1 2}	Min/Max Loan Amount $3,000 to $90,000 Typically 70% Loan-to-Value³	Term 15 years	APR as low as 7.75%^{5 6 7}
Loan Type Long-Term Geothermal System Loan^{1 2}	Min/Max Loan Amount $3,000 to $90,000 Typically 70% Loan-to-Value³	Term 20 years	APR as low as 7.99%^{5 6 7}

E-Bike, Unsecured, and Share Secured Loans
Loan Type	Min/Max Loan Amount	Term up to	APR as low as
¹ Loans must be used for qualifying clean energy products and services – see list here: www.cleanenergycu.org/eligibleproducts. (2) Loan processing fee: $100 due at funding. ² Rates are rounded up to the nearest 0.25% ³ Rates shown include a 2.00% discount for automatic loan payments. ⁴ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics. ⁵ Residences in certain counties and states may be eligible for a 0.50% rate discount after providing proof of registration in the the following programs: ^a New York State NYSERDA program: 0.50% ^b Colorado State RENU program: 0.50% ^c Clean Energy Advantage “CEA” program in Maryland and Washington DC: 0.50% (d) City of Bloomington Green Home Improvement program: 0.50%
Loan Type E-Bike Loan or Unsecured Clean Energy Loan^{1 2}	Min/Max Loan Amount $1,000 to $35,000	Term up to 3 years	APR as low as 8.00% ^{4 5 6}
Loan Type E-Bike Loan or Unsecured Clean Energy Loan^{1 2}	Min/Max Loan Amount $1,000 to $35,000	Term up to 5 years	APR as low as 9.00%^{4 5 6}
Loan Type E-Bike Loan or Unsecured Clean Energy Loan^{1 2}	Min/Max Loan Amount $1,000 to $35,000	Term up to 10 years	APR as low as 10.00%^{4 5 6}
Loan Type Savings Account Secured Loan	Min/Max Loan Amount Up to Account Balance	Term up to 5 years	APR as low as Rate 2.5%^{3 4}
Loan Type CD Secured Loan	Min/Max Loan Amount Up to CD Balance	Term up to 10 years	APR as low as Rate 2.5%^{3 4}

Overdraft Line of Credit
Loan Type	Min/Max Line Amount	Term up to	APR as low as
⁽¹⁾ Required minimum monthly payment is 5.0% of outstanding balance ⁽²⁾ Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
Loan Type Overdraft Line of Credit¹	Min/Max Line Amount $300 to $2,500	Term up to Open Ended¹	APR as low as 12.0%^{1 2}

Checking Accounts
Deposit Balance¹	Dividend Rate²	APY
¹ Minimum opening balance requirement = $25; ongoing minimum monthly balance requirement = $0 ² Rewards checking dividend rate applies in any given month where any two of the following conditions are met: – 10 debit card transactions in that same month; – At least $1,000 in direct payroll deposits in that same month; – An outstanding Clean Energy Loan (of any type) in that same month; – At least $2,500 on deposit (combined average balance in all accounts) in that same month. Limited to one Rewards Checking account per member account (individual or joint)
Deposit Balance¹ Any Balance	Dividend Rate² 0.01%	APY 0.01%
Deposit Balance¹ $0-$15,000 (with reward checking)²	Dividend Rate² 2.55%	APY 2.55%
Deposit Balance¹ > $15,000 (with rewards checking)²	Dividend Rate² 0.12%	APY 0.12%

Savings Accounts
Deposit Balance¹	Dividend Rate	APY
¹ Minimum balance requirement = $5. ² Dividend rates for an IRA Savings Account are 0.05% higher than standard rates shown here.
Deposit Balance¹ $100	Dividend Rate 0.15%	APY 0.15%

IRA Savings Account Rates
Deposit Balance¹	Dividend Rate	APY
¹ Minimum balance requirement = $100.
Deposit Balance¹ $100	Dividend Rate 0.20%	APY 0.20%

Money Market Account Rates
Deposit Balance^{1 2}	Dividend Rate	APY
¹ Minimum opening balance requirement = $2,500; ongoing minimum monthly balance requirement = $0. ² Dividend rates for an IRA Money Market Account are 0.05% higher than the standard rates shown here.
Deposit Balance^{1 2} $2,500 – $9,999	Dividend Rate 0.95%	APY 0.95%
Deposit Balance^{1 2} $10,000 – $49,999	Dividend Rate 1.02%	APY 1.02%
Deposit Balance^{1 2} $50,000 – $99,999	Dividend Rate 1.20%	APY 1.21%
Deposit Balance^{1 2} $100,000 – $199,999	Dividend Rate 1.30%	APY 1.31%
Deposit Balance^{1 2} $200,000	Dividend Rate 1.45%	APY 1.46%

IRA Money Market Account Rates
Deposit Balance^{1 2}	Dividend Rate	APY
¹ Minimum opening balance requirement = $2,500; ongoing minimum monthly balance requirement = $0. ² Dividend rates for an IRA Money Market Account are 0.05% higher than the standard rates shown here.
Deposit Balance^{1 2} $2,500 – $9,999	Dividend Rate 1.00%	APY 1.00%
Deposit Balance^{1 2} $10,000 – $49,999	Dividend Rate 1.07%	APY 1.08%
Deposit Balance^{1 2} $50,000 – $99,999	Dividend Rate 1.25%	APY 1.26%
Deposit Balance^{1 2} $100,000 – $199,999	Dividend Rate 1.35%	APY 1.36%
Deposit Balance^{1 2} $200,000	Dividend Rate 1.50%	APY 1.51%

Clean Energy Certificate of Deposit (CD) Rates
Terms⁽²⁾	$1,000 – $24,999⁽¹⁾		$25,000 – $99,999		$100,000+
(1) Minimum balance requirement = $1,000. (2) Early withdrawal penalties may apply to certificates of deposits. See Truth In Savings for details. (3) Dividend rates for an IRA clean energy CD are 0.05% higher than the standard rates shown here. (4) One time only, during the 3 year term, member has the option to reset dividend rate to the rate in effect at the time of the reset.
Terms⁽²⁾	$1,000 – $24,999⁽¹⁾ Dividend Rate⁽³⁾	APY	$25,000 – $99,999 Dividend Rate⁽³⁾	APY	$100,000+ Dividend Rate⁽³⁾	APY
Terms⁽²⁾ 6 months	$1,000 – $24,999⁽¹⁾ 3.50%	3.56%	$25,000 – $99,999 3.60%	3.66%	$100,000+ 3.70%	3.76%
Terms⁽²⁾ 1 year	$1,000 – $24,999⁽¹⁾ 3.75%	3.82%	$25,000 – $99,999 3.85%	3.92%	$100,000+ 3.95%	4.02%
Terms⁽²⁾ 2 years	$1,000 – $24,999⁽¹⁾ 2.75%	2.78%	$25,000 – $99,999 2.80%	2.84%	$100,000+ 2.85%	2.89%
Terms⁽²⁾ 3 years	$1,000 – $24,999⁽¹⁾ 2.05%	2.07%	$25,000 – $99,999 2.10%	2.12%	$100,000+ 2.15%	2.17%
Terms⁽²⁾ 3 years (bump up option)⁽⁴⁾	$1,000 – $24,999⁽¹⁾ 2.00%	2.02%	$25,000 – $99,999 2.05%	2.07%	$100,000+ 2.10%	2.12%
Terms⁽²⁾ 4 years	$1,000 – $24,999⁽¹⁾ 2.10%	2.12%	$25,000 – $99,999 2.15%	2.17%	$100,000+ 2.20%	2.22%
Terms⁽²⁾ 5 years	$1,000 – $24,999⁽¹⁾ 2.15%	2.17%	$25,000 – $99,999 2.20%	2.22%	$100,000+ 2.25%	2.27%
Terms⁽²⁾ 10 years	$1,000 – $24,999⁽¹⁾ 2.25%	2.27%	$25,000 – $99,999 2.30%	2.32%	$100,000+ 2.35%	2.38%

IRA Certificate of Deposit (CD) Rates
Terms⁽²⁾	$1,000 – $24,999⁽¹⁾		$25,000 – $99,999		$100,000+
(1) Minimum balance requirement = $1,000. (2) Early withdrawal penalties may apply to certificates of deposits. See Truth In Savings for details. (3) Dividend rates for an IRA clean energy CD are 0.05% higher than the standard rates. (4) One time only, during the 3 year term, member has the option to reset the dividend rate to the rate in effect at the time of the reset.
Terms⁽²⁾	$1,000 – $24,999⁽¹⁾ Dividend Rate⁽³⁾	APY	$25,000 – $99,999 Dividend Rate⁽³⁾	APY	$100,000+ Dividend Rate⁽³⁾	APY
Terms⁽²⁾ 6 months	$1,000 – $24,999⁽¹⁾ 3.55%	3.61%	$25,000 – $99,999 3.65%	3.71%	$100,000+ 3.75%	3.82%
Terms⁽²⁾ 1 year	$1,000 – $24,999⁽¹⁾ 3.80%	3.87%	$25,000 – $99,999 3.90%	3.97%	$100,000+ 4.00%	4.07%
Terms⁽²⁾ 2 years	$1,000 – $24,999⁽¹⁾ 2.80%	2.84%	$25,000 – $99,999 2.85%	2.89%	$100,000+ 2.90%	2.94%
Terms⁽²⁾ 3 years	$1,000 – $24,999⁽¹⁾ 2.10%	2.12%	$25,000 – $99,999 2.15%	2.17%	$100,000+ 2.20%	2.22%
Terms⁽²⁾ 3 years (bump up option)⁽⁴⁾	$1,000 – $24,999⁽¹⁾ 2.05%	2.07%	$25,000 – $99,999 2.10%	2.12%	$100,000+ 2.15%	2.17%
Terms⁽²⁾ 4 years	$1,000 – $24,999⁽¹⁾ 2.15%	2.17%	$25,000 – $99,999 2.20%	2.22%	$100,000+ 2.25%	2.27%
Terms⁽²⁾ 5 years	$1,000 – $24,999⁽¹⁾ 2.20%	2.22%	$25,000 – $99,999 2.25%	2.27%	$100,000+ 2.30%	2.32%
Terms⁽²⁾ 10 years	$1,000 – $24,999⁽¹⁾ 2.30%	2.32%	$25,000 – $99,999 2.35%	2.38%	$100,000+ 2.40%	2.43%

Account Fees

Insufficient Funds	$0
Returned Deposit	$15
Returned Deposit (Member to Member)	$15
Inactive Savings Account (per month) (After 24 months of no activity)	$5
Inactive Checking Account (per month) (After 6 months of no activity, excludes earned interest/dividends)	$5
Returned Payment	$25

ATM Usage and Debit Card Fees

In-Network ATM Withdrawal	$0
Out-of-Network ATM Withdrawal	$3
Debit Card International Transaction* (Percent of transaction amount)	1.0%
Replacement Cost for Debit Card	$10
Expedited Mail for Replacement Debit Card	$30

Post-Origination Loan Fees

Late Payment	$20
Loan Coupon	$20
Loan Document Revision	$25
Loan Refinance	$100
Loan Re-Amortization	$75
Loan Re-Amortization (if prepayment is made that is 15% or more of the original loan principal)	FREE
Loan Subordination Processing	$100
UCC-3 Filing Temporary Removal	$250

Wire Transfer Fees – Outgoing

Domestic	$20
International	$40

Share Certificates Fees

Early Withdrawal – CDs (See account disclosures)	Varies

Overdraft Fees

Non-Sufficient Funds (NSF) Fee	$0
Overdraft Transfer Fee – from Checking or Savings Account	$0
Overdraft Transfer – from Overdraft Line of Credit	$5

Miscellaneous Fees

*International transactions may include online transactions conducted at retailers located outside the United States.
Paper Statements by Mail	$7
Returned Mail/Bad Address	$5
Cashier Check	$5
OTC Check/Deposit Check	$5
Collection Item	$2
Check Copy	$3
Stop Payment – Cashier Check Lost/Stolen	$25
Stop Payment – ACH, Check or Bill Pay	$25
Foreign Item Fee	Up to $5
Inactive Bill Payment (After three months)	$5
Statement Copy/Interim Account History	$7
Levy/Garnishment/Legal	$40
Account Research (15 minute increment)	$30
Phone Initiated ACH Transfer	$10
Expedited Mail	$15+
Shared Branch Transaction	$0