*APY= Annual percentage yield. HiLo Checking can earn a max of 10.47% APY* on balances up to $1,500.00 when monthly qualification requirements are met. Additional Balances over $1,500.00 earn 0.00% APY. To earn the stated APY, you must meet monthly requirements of 12 debit card purchases, one direct deposit, and enroll in and receive e-statements. If qualifications are not met, the entire balance earns 0.00% APY. Rates effective: October 5, 2026

APR = Annual Percentage Rate. Holiday Loan available to qualified borrowers for loan amounts from $1,000 to $2,000 with a 12-month term. A $25 processing fee applies and is included in the APR calculation. For example, a $2,000 loan at an 8.75% interest rate for 12 months would result in 12 monthly payments of $175.66 and an APR of 11.499%. Rates may vary based on creditworthiness. All loans subject to credit approval. Additional terms and conditions may apply. Membership eligibility required. Federally insured by NCUA.