¹Applicant must qualify for membership and be 18 years or older at time of account opening. $5 is required to open and maintain a Primary Savings account. The Annual Percentage Yield (APY) on a Regular Savings is 0.15% as of 10/1/2024.Rates are subject to change without notice and may change after account is opened. Brightside Checking has a standard $10 monthly maintenance fee (called Brightside Fee). Fees may reduce earnings. Bonuses earned may be subject to IRS reporting. There is no credit score requirement for Brightside Checking. Brightside Savings Jar opens automatically with Brightside Checking with automatic roundup from debit card to Savings Jar account set up at account opening. Federally Insured by NCUA. Annual Deposit Match: Every year on the anniversary of the account opening, we will match either the balance or the amount of roundup deposits to the account(lesser of the two) up to $250. Example: If account is opened on 7/30/24, on7/30/25 we will look at roundup deposits from 7/31/24-7/30/25. Match will be deposited on 7/30/25.

²Overdraft Protection: Brightside Checking comes with $250 in Standard Courtesy Overdraft Protection (checks and ACH transactions). Not eligible for Courtesy Plus. Member must still opt in or out of Standard Courtesy ODP.

³APY=Annual Percentage Yield. Must qualify. HI Checking earns 0.49% APY on balances between one penny and $10,000, 0.05% APY paid on all amounts above $10,000, and ATM refunds up to $15 when the four requirements are met each month. HI Checking Requirements: 1. 20 Debit Card Transactions (PIN- based or Signature). 2. Spend $500 or More in Debit Card Transactions (PIN- based or Signature). 3. Setup Direct Deposit. 4. Enroll in eStatements. If the requirements are not met, your account will still function as a free checking account; however, you will not receive interest or ATM refunds for that month. The merchant determines how your debit card transactions are processed. APY is variable and may change after account opening. The annual percentage yield is effective 08.01.2024. No minimum balance required to open or earn the APY. No monthly service charge. Only one HI Checking account per member. Federally insured by NCUA.

⁴Other institution fees may still apply. No surcharge at any Money Pass or Alliance One ATMs.
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‍⁵Account holder receives one box annually or $7 credit for checks of their choice.