APY=Annual Percentage Yield

APY accurate as of 10/1/2023. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Rates are based on current rates at the time of renewal. [1] Rate includes a 0.10% APY increase when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Rate may change after the account is opened. If requirements are not met, rate is 5.25% APY for 9 months and 5.05% APY for 12 months. Minimum balance required is $500. Only personal share certificates are eligible for advertised rate; business share certificates also available although rates may differ.

[3] APY accurate as of last dividend declaration date and subject to change after account is opened. Advertised rate includes a bonus increase of 2.50% APY when all of the following requirements are met: You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield. Fees may reduce earnings on the account. The dividend rate and annual percentage yield may also change every dividend period based on whether or not all of the following conditions are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. APY dependent on balance. If requirements are not met, rates are 0.00% APY on balances less than $1,000; 1.00% APY on balances of $1,000+; 1.25% APY on balances of $100,000+; and 1.50% APY on balances of $250,000+. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications.

[4] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.