| Features | YNCU Prime | CF Prime (Legacy prime not applicable to new credit |
|---|---|---|
| Current rate | 4.45% | 5.45% |

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Types of personal loans
Fixed rate
A fixed rate personal loan from YNCU makes budgeting easier, with an interest rate and monthly payment that stay the same throughout your term. You’re protected from rising interest rates while keeping the flexibility to pay more than your minimum monthly payment and pay down your loan faster. You can also switch to a variable rate loan at any time without penalty.
Variable rate
A variable rate personal loan from YNCU offers an interest rate linked to the YNCU Prime rate, which may be lower than a fixed rate. Your rate rises or falls as YNCU Prime changes, while your monthly payment typically stays the same. Higher rates may lengthen the time it takes to repay your loan, while lower rates may help you pay it off sooner. You can also pay more than your minimum monthly payment to reduce your balance faster.
*Actual rates of return may vary. Up to the issue date, your investment generates interest at a max annual compound rate of return of 5.67% (3 Year Term) and 6.81% (5 Year Term). Between the issue date and the maturity date, the return is based on variations in the benchmark prices, up to a maximum cumulative return of 18.00% at the end of a 3 Year Term and 39.00% at the end of a 5 Year Term.
Investment rates are expressed as annual interest rates. Interest is calculated and accrued daily and paid annually and at maturity. The indicated interest rate is subject to change at any time. The terms and conditions of this offer, including its overall availability, are at the sole and absolute discretion of YNCU and are subject to change at any time without any prior notice.
