*Offer valid from 1/1/25 through 12/31/25. To qualify, you must register in-branch or online at www.referlive.com/uhfcuoffers using offer code “SCORE100”. Receive a $100 Visa® Reward Card when you open a new checking account and complete the following within 60 days of account opening: 1) Complete five (5) UHFCU debit card purchases totaling at least $50 AND 2) Enroll in e.Statements. This offer is available to new UHFCU members who open a new UHFCU checking account within 90 days of establishing membership (Note: Existing members should ask about our Referral Program!). Membership eligibility requirements apply. Must be 18 years or older to participate. Accounts must be in good standing at the time of qualification and reward distribution to receive a reward card. The primary owner of the new account must have a social security number on file. Reward will be granted to primary owners only. One reward per account only. Allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements. Reward Card may be reported as income to the IRS. Recipient is responsible for any federal, state, and/or local taxes on reward items. May not be combined with any other offer. Terms and conditions are subject to change at any time without notice. Certain restrictions may apply.

1) Annual Percentage Rate (APR). Percentage includes 0.25% reduction for automatic payment. 6.49% rate applies to 36-month (or less) Personal Loan and is the lowest rate available. 1.00% discount off qualifying rate applies to applicants with credit scores between 645 and 719. $25,000 maximum loan amount. New or existing UHFCU Checking account required to qualify for special rate. Offer begins 3/1/25 and ends 4/15/25. Loan must fund by 4/19/25. Rate may vary depending on each individual’s credit history and underwriting factors. Payment example: Loan amount of $5,000 at 6.49% for 36 months would have a monthly principal and interest payment of $153.22. Rates, programs, terms, and conditions are subject to change at any time without notice. Certain restrictions apply. **Same-day funds possible for applications received prior to 12pm each business day, Monday through Friday. Subject to meeting credit underwriting criteria. Other factors and restrictions apply.

2) Annual Percentage Yield (APY). $1,000 minimum balance. Unless otherwise paid, dividends will be credited and compounded monthly. Fees or other conditions could reduce earnings on the account. A penalty may be imposed for withdrawals before maturity. Rate is accurate and effective as of 1/28/25 and subject to change without prior notice. While supplies last.