NAFCU Journal January February 2022

With Upstart, you can quickly grow your consumer loan portfolio while staying within your desired risk profile. Available for personal and auto refinance loans. Volume $1M-$50M Net annualized return1 ~8% Live in 60 Days PER MONTH Learn more at Program lending parameters are highly configurable and set within the bank’s risk tolerance. Net annualized return (NAR) is calculated as weighted average coupon minus expected annualized losses. Represents the three month average NAR as of 2/28/2021 received by Upstart bank partners using the Upstart Referral Network. 1. Our mission is to bring the best products and services to our members as well as help improve their overall financial health and well-being. Our partnership with Upstart’s all digital, AI lending solution allows us to drive more inclusive lending outside of our branch footprint and help even more people improve their financial wellness. RICHARD WADA Chief Lending Officer Patelco Credit Union “ EXCESS DEPOSITS? Put Your Cash to Work & Gain New Members A better option to loan purchase NAFCU Preferred Lending Partner