_{¹Qualification Information:}

_{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 www.apcu.com or contact Member Services 800-849-8431 or 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 www.apcu.com or contact Member Services 800-849-8431 or one of our branch service representatives for specific Statement Cycle dates.}

_{Reward Information:}

_{When your linked Kasasa Cash Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Kasasa Saver account earn a dividend rate of 3.930% resulting in an APY of 4.00%; and daily balances over $100,000 earn a dividend rate of 0.250% on the portion of the daily balance over $100,000, resulting in a range from 4.00% APY to 0.25% APY depending on the accounts daily balance.}

_{When your linked Kasasa Cash Checking account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.050% resulting in an annual percentage yield of 0.05% APY. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.}

_{APY = Annual Percentage Yield.}

_{APY is accurate as of 03/01/2025.}

_{APY calculations are based on an assumed balance of $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.}

_{$1.00 minimum deposit is required to open the Kasasa Cash Checking account.}

_{$1.00 minimum deposit is required to open the Kasasa Saver account.}

_{Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.}

_{One Kasasa Checking and Kasasa Saver account is allowed per social security number.}

_{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 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.}

_Trademarks:

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

_{²Qualification Information:}

_{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 www.apcu.com or contact Member Services 800-849-8431 or 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 www.apcu.com or contact Member Services 800-849-8431 or one of our branch service representatives for specific Statement Cycle dates.}

_{Reward Information:}

_{When your linked Kasasa Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Kasasa Saver account earn a dividend rate of 3.930% with an APY of 4.00% and daily balances over $100,000 earn a dividend rate of 0.250% on the portion of the daily balance over $100,000, resulting in a range from 4.00% APY to 0.25% APY depending on the account’s daily balance.}

_{When your Kasasa Cash Back Checking account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.050% resulting in an annual percentage yield of 0.05% APY. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. 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.}

_{APY is accurate as of 03/01/2025}

_{APY calculations are based on an assumed balance of $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.}

_{* Note: When linked to your Kasasa Saver account, if the account balance is less than the amount to be transferred, the transfer will not take place and will not overdraft your Kasasa Cash Back Checking account.}

_{Additional Information:}

_{Membership restrictions may apply.}

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

_{$1.00 minimum deposit is required to open the Kasasa Cash Back Checking account.}

_{$1.00 minimum deposit is required to open the Kasasa Saver account.}

_{Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.}

_{One Kasasa Checking and Kasasa Saver account is allowed per social security number.}

_{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 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}

_Trademarks:

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