Disclosures:

1. Promotional balance transfer rate of 3.99% is available for existing cardholders and applies to balance transfers within the promotional period; excludes existing balances. Existing cardholders must contact the Credit Union to request promotional convenience checks to transfer balances from their other credit cards to their Visa Power Card™, up to their credit card limit. Promotional convenience checks cannot be used to pay your existing Visa Power Card™ balance or any other UECU loans. The promotional period starts when promotional convenience checks are issued to the cardholder and ends 12 months after issuance date. Following 12 complete monthly UECU credit card statement cycles, any remaining promotional balances will accrue interest at your regular variable or fixed rate identified in your credit card agreement and opening disclosures. APR will not exceed 18%. Offer may be withdrawn at any time without notice.

2. Rate based on 90% loan to value (LTV) & 60-month term. Rate shown is our lowest rate which is based on an evaluation of credit and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rate will differ based on term, credit review and collateral evaluation.

3. APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions.

4. APR=Annual Percentage Rate. Introductory rate of 1.99% APR applies to any advances added to your UECU Visa® Power Card™ during the first 12 months after its issue. At the time of your card application, your regular variable interest rate is based on an evaluation of credit-worthiness criteria and is identified in your credit card agreement and disclosures. Not all applicants will qualify for approval. Following 12 complete monthly UECU credit card statement cycles, all balances, existing and new, will accrue interest at your regular variable rate, which is the Wall Street Journal Prime Rate (“index”) plus or minus the “margin” as disclosed in your credit agreement and disclosure. APR will not exceed 18%. The intro rate offer of 1.99% APR is for first time cardholders only. Offer may be withdrawn at any time without notice.

5. APR=Annual Percentage Rate. UECU’s lowest auto loan rate of 4.24% APR is based upon an evaluation of credit worthiness criteria and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rate quoted for a 36-month term; your actual rate may differ. Limited time offer. Offer is subject to change without notice. Rate quoted is for new loans only; refinancing of existing UECU auto loans are not eligible. Certain auto model year and term restrictions apply.

6. Dividend rate and APY are stated as of 1/1/2026 and may change after the account is opened. Rates are subject to change at the Credit Union’s discretion, without notice. A $10.00 service fee will be assessed if your account balance falls below $2,500 on one or more days in a statement cycle. Fees could reduce earnings on the account(s). The dividend rate used, for the entire balance of your account, is the dividend rate of the highest tier that corresponds to the balance.