Minnco Credit Union

Hurry—your pre-approved offer ends November 30, 2020.

You're pre-approved
for a Minnco loan!*

Dear %LOANENGINENAMEFIRST%,

You've been pre-approved for a new loan with Minnco Credit Union!

You can choose any one of the loans below. Whatever big purchase you’ve wanted to make—now is the perfect time to act! And with your pre-approved status, you’re one step closer to having what you want! If one of your offers is an Auto or RV/Boat/Toys loan, ask us about additional rate breaks available to you! You could save up to .5% off already low rates for qualifying Minnco relationships.†

Choose one of these offers:

%IF in_string('New Or Used Auto', $LOANENGINENEWORUSEDAUTON )%

NEW OR USED AUTO1
%LOANENGINENEWORUSEDAUTOR% APR** for %LOANENGINENEWORUSEDAUTOT% months — Pre-Approved up to %LOANENGINENEWORUSEDAUTOA%

%/IF%%IF in_string('Home Equity Line', $LOANENGINEHOMEQUITYLINEN )%

HOME EQUITY LINE2
%LOANENGINEHOMEQUITYLINER% APR** — Pre-Approved up to %LOANENGINEHOMEQUITYLINEA%

%/IF%%IF in_string('Home Equity Loan', $LOANENGINEHOMEQUITYLOANN )%

HOME EQUITY LOAN3
%LOANENGINEHOMEQUITYLOANN% APR** for %LOANENGINEHOMEQUITYLOANT% months — Pre-Approved up to %LOANENGINEHOMEQUITYLOANA%

%/IF%%IF in_string('RV/Boat/Toys', $LOANENGINERVBOATTOYSN )%

RV/BOAT/TOYS4
%LOANENGINERVBOATTOYSR% APR** for %LOANENGINERVBOATTOYST% months — Pre-Approved up to %LOANENGINERVBOATTOYSA%

%/IF%%IF in_string('Personal', $LOANENGINEPERSONALLOANN )%

PERSONAL LOAN5
%LOANENGINEPERSONALLOANR% APR** for %LOANENGINEPERSONALLOANT% months — Pre-Approved up to %LOANENGINEPERSONALLOANA%

%/IF%

Note: You have been pre-approved for your choice of one of the above offers. If you would like to take advantage of more than one offer, or would like to request more than your approved amount, please contact us. A full application may be required. See below for details.

It's as easy as 1-2-3!

1. Select your offer

For Online/Mobile Banking members: Apply right through your Online Banking or Mobile app.
Don't have Online or Mobile Banking access?
Just go to www.minnco.com/loan-offers from your computer or smart device and enter code: %LOANENGINECOUPONCODE% to see your great offers!
Your zip code: %LOANENGINEZIP%

2. We'll contact you

After you've indicated the offer you'd like, one of our lenders will contact you to complete the necessary paperwork.

3. Receive your funds

Sign the documents—either in-person or remotely with electronic documents—and we'll deposit the funds into your account!

HURRY! Offer ends November 30, 2020. If you have questions, call us at 763-689-1071.

Federally Insured by NCUA

EQUAL HOUSING LENDER

235 1st Ave. W., Cambridge, MN 55008

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE† below for more information about prescreened offers.

†PRESCREEN & OPT-OUT NOTICE
This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria for creditworthiness. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-888-5OPT-OUT (1-888-567-8688); or visit the website at www.optoutprescreen.com or write:
Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123
TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013

%IF in_string('New Or Used Auto', $LOANENGINENEWORUSEDAUTON )% %/IF%%IF in_string('Home Equity Line', $LOANENGINEHOMEQUITYLINEN )% %/IF%%IF in_string('Home Equity Loan', $LOANENGINEHOMEQUITYLOANN )% %/IF%%IF in_string('RV/Boat/Toys', $LOANENGINERVBOATTOYSN )% %/IF%%IF in_string('Personal', $LOANENGINEPERSONALLOANN )% %/IF%

* We used information that we obtained on you from a consumer reporting agency in connection with this "Pre-Approved" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the criteria used to select you for this offer or any other applicable criteria bearing on creditworthiness, or if you do not provide the required collateral. Not all applicants will qualify for the lowest rate. Membership eligibility is required.

** APR=Annual Percentage Rate

† Members can receive a .25% discount on consumer loans for the following Minnco relationships: Direct Deposit of payroll or government check; setting up Auto Pay on this loan; having another loan with Minnco within the past 6 months. Limit of two discounts may be applied, totaling .5%.

1 New or Used Auto: Offer based on loan term of %LOANENGINENEWORUSEDAUTOT% months. Minnco Credit Union finances 125% of MSRP plus tax, title, license (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 18% APR, and the minimum approved loan amount is $5,000. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 125% of Loan-to-Value. LTV requirement is based on Credit Tier. Not all applicants will qualify for the lowest rate. Rates can be further discounted up to .5% with qualifying Minnco relationships. See a lender for more details. Payment example: A %LOANENGINENEWORUSEDAUTOT%-month loan of %LOANENGINENEWORUSEDAUTOA% at %LOANENGINENEWORUSEDAUTOR%% fixed APR will have %LOANENGINENEWORUSEDAUTOT% monthly payments of %LOANENGINENEWORUSEDAUTOP% per $1,000 borrowed. Rates current as of August 24th, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers.

2 Home Equity Line: Variable APR equal to "The Wall Street Journal" Prime Rate (currently 3.25%) with a minimum APR of %LOANENGINEHOMEQUITYLINER% and a maximum APR of 18%. Rates current as of August 24th, 2020, and are subject to change based on market conditions and borrower eligibility. Subject to credit approval. Your APR may be higher based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, combined loan-to-value, and/or property type. Minimum credit line is $15,000. 5-year draw period followed by a 10-year repayment period. Homeowners property insurance is required. Flood insurance may be required. Loan fees range from $0 to $500. Credit line together with any other mortgage(s) cannot exceed 80% of the property value on 1- to 4-family owner-occupied properties. Non-owner-occupied properties subject to different terms. Offer does not apply to existing Minnco Credit Union credit lines.

3 Home Equity Loan: Your APR may be higher based on your credit qualifications, the amount of your home equity loan, combined loan-to-value, and/or property type. Minimum home equity loan amount is $15,000. Maximum home equity loan amount is %LOANENGINEHOMEQUITYLOANA%. Payment example: A %LOANENGINEHOMEQUITYLOANT%-month loan of %LOANENGINEHOMEQUITYLOANA% at %LOANENGINEHOMEQUITYLOANR% fixed APR will have %LOANENGINEHOMEQUITYLOANT% monthly payments of %LOANENGINEHOMEQUITYLOANP% per $1,000 borrowed. Rates current as of August 24th, 2020, and are subject to change based on market conditions and borrower eligibility. Homeowners property insurance is required. Flood insurance may be required. Loan fees range from $0 to $500. Home equity loan together with any other mortgage(s) cannot exceed 80% of the property value on 1- to 4-family owner-occupied properties. Non-owner-occupied properties subject to different terms. Offer does not apply to existing Minnco Credit Union home equity loans.

4 RV/Boat/Toys: Offer based on loan term of %LOANENGINERVBOATTOYST% months. Minnco Credit Union finances 125% of MSRP plus tax, title, license (new recreational vehicles, boats or toys) or the NADA Retail Value (used recreational vehicles, boats or toys). The maximum interest rate for this offer is 18% APR and the minimum approved loan amount is $10,000. This offer may also be withdrawn if the value of the recreational vehicle you are purchasing exceeds 125% of Loan-to-Value (LTV). LTV requirement is based on Credit Tier. Not all applicants will qualify for the lowest rate. Rates can be further discounted up to .5% with qualifying Minnco relationships. See a lender for more details. Refinance restrictions apply. Payment example: A %LOANENGINERVBOATTOYST%-month loan of %LOANENGINERVBOATTOYSA% at %LOANENGINERVBOATTOYSR% fixed APR will have %LOANENGINERVBOATTOYST% monthly payments of %LOANENGINERVBOATTOYSP% per $1,000 borrowed. Rates current as of August 24th, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers.

5 Personal Loan: Payment example: A %LOANENGINEPERSONALLOANT%-month loan of %LOANENGINEPERSONALLOANA% at %LOANENGINEPERSONALLOANR% fixed APR will have %LOANENGINEPERSONALLOANT% monthly payments of %LOANENGINEPERSONALLOANP% per $1,000 borrowed. Rates current as of August 24th, 2020, and are subject to change based on market conditions and borrower eligibility. The minimum approved loan amount is $2,500.