*APR = Annual Percentage Rate. Discounted rate applies to 36-month (or less) Personal Loan and is the lowest rate available. Automatic payments are required to earn the fully discounted rate. $25,000 maximum loan amount. New or existing UHFCU Checking account required to qualify for special rate. Offer begins 3/15/26 and ends 4/15/26. Loan must fund by 4/18/26. This offer requires a minimum $1,000 loan amount. Credit will be pulled if requesting more than the pre-approved amount. Rate may vary depending on each individual’s credit history and underwriting factors. Payment example (based on qualifying guidelines with automatic payment): Loan amount of $3,500 at 6.49% for 36 months would have a monthly principal and interest payment of $107.27. Rates, programs, and conditions are subject to change based on market conditions and borrower eligibility. Subject to meeting credit underwriting criteria. Other factors and restrictions may apply. Not all respondents will qualify for this offer. You must be eligible for membership in UHFCU to qualify for a personal loan. Same-day funding possible for offer acceptances received prior to 4pm each business day, Monday through Friday, and 12pm on Saturday. Subject to meeting credit underwriting criteria. Other factors and restrictions may apply.

**Offer valid from 1/1/26 through 12/31/26. 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.