¹_{Qualification Information:} 

_{To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Checking account during each Monthly Qualification Cycle:} 

• _{At least one direct deposit or ACH credit transactions} 

• _{At least 12 debit card purchases} 

• _{Be enrolled in and agree to receive eStatements} 

_{Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.} 

_{“Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.} 

_{See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.} 

_{“Banking Day” means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.} 

_{“Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.} 

_{“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. See our website or contact one of our branch service representatives for specific Statement Cycle dates.} 

_{Reward Information:} 

_{Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:} 

_{Kasasa Cash Checking: daily balances up to and including $25,000 receive an APY of 5.00%; and daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000, resulting in a range from 5.00% to 0.25% APY depending on the account’s daily balance.} 

_{Kasasa Cash Back Checking: you will receive 3% cash back on up to a total of $300 debit card purchases that post and settle to the account during that cycle period. A maximum of $9 cash back payments may be earned per Monthly Qualification Cycle.} 

_{Kasasa Saver: daily balances up to and including $100,000 in your Kasasa Saver account earn an APY of 4.00% and daily balances over $100,000 earn a dividend rate of 0.25% on the portion of the daily balance over $100,000, resulting in a range from 4.00% to 0.25% APY depending on the account’s daily balance.} 

_{You will receive reimbursements up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Checking or Kasasa Cash Back Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash Checking, or Kasasa Cash Back Checking, via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.} 

_{Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:} 

_{Kasasa Cash Checking: the entire daily balance in the Kasasa Cash account earns 0.05% APY.} 

_{Kasasa Saver: the entire daily balance in the Kasasa Saver account earns 0.05% APY.} 

_{Dividends will be credited to your Kasasa Saver and Kasasa Cash Checking accounts on the last day of the current statement cycle.} 

_{The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Checking account will be credited to your Kasasa Saver account on the last day of the current statement cycle.} 

_{If Kasasa Cash Checking or Kasasa Cash Back Checking are linked to Kasasa Saver, the following also apply:} 

_{Kasasa Cash Checking: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash Checking account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash Checking account, if the account balance is less than the transferred amount when the transfer occurs.} 

_{Kasasa Cash Back Checking: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back Checking account will be credited to your Kasasa Saver account on the last day of the current statement cycle.} 

_{APY = Annual Percentage Yield.} 

_{APYs accurate as of 03/01/2025.} 

_{APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash Checking account and $100,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.} 

_{Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.} 

_{Additional Information:} 

_{Membership restrictions may apply.} 

_{Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.} 

_{$1 minimum deposit is required to open the account.} 

_{Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver’s linked Kasasa Cash Checking or Kasasa Cash Back Checking account’s qualifications.} 

_{Limit of 1 account(s) per SSN.} 

_{There are no recurring monthly maintenance charges or fees to open or close this account.} 

_{This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.} 

_{A Kasasa Cash Checking or Kasasa Cash Back Checking account is required to have a Kasasa Saver account.} 

_{A linked Kasasa Saver account is required for automatic savings.} 

_{Advertised information and rewards are based on all account qualifications being met during each cycle period.} 

_{Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.} 

_{Federally insured by NCUA} 

Click here to view Kasasa Cycle Dates

_Trademarks: 

_{Kasasa, Kasasa Saver, Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.}

_{²Some restrictions apply.}

_{³A working Internet connection is required for use. APCU/Center Parc does not charge you a fee for using these services. However, charges from your wireless carrier may apply}