What's New

Save Money on Credit Card Balances

Available now, Prevail Credit Union, VISA Credit Cardholders may transfer high-cost credit balances from outside Prevail to their Prevail VISA at the astonishingly low-rate of:

3.99% APR*(Limited-Time Offer!)

It's our new offer, our CREDIT CARD BALANCE TRANSFER OFFER!

The key to this offer is, you must first already have a Prevail VISA credit card, as the process to transfer high-cost balances from outside Prevail is done exclusively over the phone. Once you initiate the transfer over the phone, you pay 3.99 APR on those transferred balances that have come to your Prevail VISA from outside the Credit Union for one-year**.

(Rate not available on purchases and cash advances. Current Prevail loan account balances are not permitted for this offer.)

HERE'S HOW IT WORKS:

• You must already have a Prevail VISA credit card
• Once you have a card, you may call Prevail's partner for our VISA portfolio, CARDHOLDER SERVICES ( Starting March 2, 2012, phone (800) 654-7728)
• You'll need your Prevail VISA credit card's 16-digit number, as well as the card or account number of the creditor from where you wish to transfer balances, to your Prevail VISA

(Important: It is essential that the actual name of the creditor be provided . For example, simply referring to them as VISA or Mastercard is not sufficient. See your monthly billing for your other creditors for the payee/creditor's name)

Already have a Prevail VISA? Start transferring those high-cost balances from your other creditors starting March 2, 2012.

Don't have a Prevail VISA yet? Apply for our VISA using our online loan application on this web site within the VISA section. The sooner you apply and receive your card, the sooner you can transfer high-cost balances and save!

APPLY TODAY!!

(*Rate and offer available based on applicant(s)/cardholder(s) - credit qualifications and available credit limit. Rate shown as Annual Percentage Rate [APR]. Must be or become a Prevail Credit Union member. You may open accounts with Prevail because you live in the State of Washington. Before applying for this 3.99% APR* Credit Card Balance Transfer Offer, you must have or obtain and activate a Prevail Credit Union VISA credit card. Upon activation you may call the designated telephone number of our service provider (24/7), CARDHOLDER SERVICES at 800.654.7728 as balance transfers qualifying for this offer may only be initiated over the telephone. This

Balance Transfer Offer is available only on balances transferred from outside Prevail to your Prevail VISA credit card. Rate not available on new or existing purchases, cash advances, or existing loan balances with Prevail Credit Union. Transfers from any existing Prevail Credit Union VISA accounts are not permitted. The transfer amount cannot exceed your Prevail VISA credit card credit limit. Normal cash advance fees will be waived for this balance transfer offer. Balance transfer requests may take up to six (6) weeks to process and it is your responsibility to continue to make timely payments on those accounts your are transferring balances from until notified otherwise by your other creditor. Prevail is not responsible for any fees (late, over-limit, etc.) that may be imposed by your other creditor(s). ** ONE YEAR at the 3.99% APR* rate for transferred balances means 365 days from the date you telephone Cardholder Services to initiate a balance transfer during this offer. Limited-time offer. Prevail is an Equal Opportunity lender.

VISA is a registered trademark of VISA International Service Association, and is used by the issuer pursuant to license from VISA U.S.A., Inc.)

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Financial Freedom is Here!

HOME STRETCH Home Loan

Rate 3.25%

(5/5 Adjustable Rate Mortgage 3.563% APR*)

Here's an opportunity to pay off your home early. If you're on the Home Stretch to financial freedom and want to save money - how about a low-cost, incredibly low-rate, and no closing costs?

Featuring:

• Your cost: $500 Loan Fee**

• Prevail pays for your appraisal**

• Prevail pays customary closing costs**

Apply online using our easy-to-use online Real Estate Loan Application on this web site.

Limited Time Offer

(* Available based on credit qualifications. Available only on owner-occupied, single-family residences within the State of Washington. Additional terms and conditions may apply. Maximum loan available for 70% Loan-to-Value [LTV]. This is a limited-time offer and not available in conjunction with any other offer. Rate is shown, as well as the Annual Percentage Rate [APR]. For the first five (5) years, the Rate is 3.25% and 3.563% APR*. The Prevail Home Stretch Loan is a 5/5, 120 month (10 year) amortization Adjustable Rate Mortgage [ARM] product with a $500 Loan Fee. The initial Rate is subject to change every 5 years by no more than 3.000 percentage points, never to exceed 3.000% above the initial rate. When your rate adjusts, your new rate will be the current LIBOR Index, plus margin, which is currently set to 2.000% with a floor rate of 3.25% APR. **You must use one of Prevail Credit Union's preferred title companies to get closing cost credits. Customary closing costs include: Title Insurance, Recording, Tax Registration, Flood Certificate, Credit Report, Wire Transfer, Escrow and Appraisal Fees. Not all applicants will qualify for Prevail's Home Stretch Home Loan. Prevail also offers Home Stretch 5/1 ARM and fixed-rate mortgages. There is no pre-payment penalty. Monitor your mortgage payments easily, online, through Prevail's secure online link. Prevail Credit Union is an Equal Housing Opportunity lender. NCUA insured. Apply today!)