dividend rates

Share and IRA Certificates
Effective Date: December 01, 2024
Type	Dividend Rate	APY1	APY with Bonus Rate2	test header
12 Month Special	3.844%	3.90%	4.00%
24 Month Special	3.357%	3.40%	3.50%
60 Months	2.673%	2.70%	2.80%
48 Months	2.575%	2.60%	2.70%
36 Months	2.526%	2.55%	2.65%
24 Months	2.477%	2.50%	2.60%
18 Months	2.477%	2.50%	2.60%
12 Months	2.084%	2.10%	2.20%
6 Months	1.492%	1.50%	1.60%
3 Months	0.996%	1.00%	1.10%
Highlighted rows are current specials. [1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Liquid Certificate
Effective Date: December 01, 2024
Type	Min & Max Amount	Dividend Rate	APY1	APY with Bonus Rate2
12 Month	$2,500 - $250,000	1.985%	2.00%	2.10%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bump Up Certificate
Effective Date: December 01, 2024
Type	Min & Max Amount	Dividend Rate	APY1	APY with Bonus Rate2
36 Month	$500 - $1,000,000	3.455%	3.50%	3.60%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Elevate Money Market
Effective Date: December 01, 2024
Minimum Amount	Dividend Rate	APY1	APY with Bonus Rate2	test header
$0	0.000%	0.00%	0.00%
$1,000	0.995%	1.00%	3.50%
$100,000	1.243%	1.25%	3.75%
$250,000	1.490%	1.50%	4.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Rewards Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market
Effective Date: December 01, 2024
Minimum Amount	Dividend Rate	APY1	APY with Bonus Rate2	test header
$0	0.000%	0.00%	0.00%
$1,000	0.150%	0.15%	0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Health Savings Account (HSA)
Effective Date: December 01, 2024
Minimum Amount	Don’t use	Dividend Rate	APY1	test header 2
$0		0.250%	0.25%
$1,000		0.499%	0.50%
$10,000		0.747%	0.75%
$25,000		0.995%	1.00%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market
Effective Date: December 01, 2024
Minimum Amount	Don't use	Dividend Rate	APY1	test header 2
$0		0.000%	0.00%
$1,000		0.100%	0.10%
$100,000		0.200%	0.20%
$250,000		0.300%	0.30%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts
Effective Date: December 01, 2024
Term	Don't use	Dividend Rate	APY1	test header 2
Membership Savings2,3		0.050%	0.05%
Achiever Savings4		0.100%	0.10%
Holiday Club		0.050%	0.05%
Youth Savings2		0.050%	0.05%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Ultra Checking
Effective Date: December 01, 2024
Account Type	Minimum Amount	Dividend Rate	APY1	test header
Base Rate	$0.00	0.050%	0.05%
Bonus Rate	$0.00	4.841%	4.95%
TOTAL Rate	$0.00	4.891%	5.00%
Base Rate	Over $10,000	0.100%	0.10%
Bonus Rate	Over $10,000	0.000%	0.00%
TOTAL Rate	Over $10,000	0.100%	0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.