Lake in the Hills

^1. Annual Percentage Yield. CCU’s free Rewards Checking account is a tiered rate account. For all tiers, balances from $10,000.01 - $25,000.00 earn 0.20% APY and balances $25,000.01 and greater earn 0.10% APY. Please see all terms and conditions on the qualifying rate tiers. Fees may reduce earnings. No minimum balance required.

^2. Receive a cash bonus when you open a new CCU Rewards Checking Account as part of our Lake in the Hills Branch (LITH) Grand Opening promotion. The account must be opened between 9/01/2025 and 10/31/2025 to qualify. Current CCU checking accounts are not eligible for the cash bonus. May not be combined with any other checking account cash bonus offers. To qualify, the account must be opened in person at the LITH branch or through the LITH landing page, and the account must remain in good standing through the date the bonus is paid. The cash bonus will be awarded in the form of a direct deposit to your CCU savings account within 90 business days from the account opening date.

^3. We offer over 30,000 surcharge-free ATMs nationwide, and we refund fees charged by other bank ATMs when you meet your minimum Rewards Checking requirements.

^4. Early Direct Deposit fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason, we cannot guarantee early deposits in all cases.

^5. Receive a cash bonus when you finance your auto loan with CCU as part of our Lake in the Hills (LITH) Branch Grand Opening promotion. Auto application must be submitted 9/01/2025 –10/31/2025 and loan funded by11/30/2025 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash bonus. Current CCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash bonus offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC) and Loan Payment Protection (LPP). To qualify, the loan must be opened in person at the LITH branch or through the LITH promotional landing page. The cash bonus will be awarded in the form

^6. APR = Annual Percentage Rate. Rates accurate as of: 09/01/2025. Rates are subject to change, and can vary based on credit worthiness, CCU Member discounts, age of vehicle, and terms of the loan. Offer subject to credit approval. Rate applies to 2023 and newer vehicles with a loan term of up to 60 months (based on credit worthiness). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Car Buying Service. To receive this discount, an auto loan must be booked through CCU, and the purchase must be made at a certified dealers through CCU’s Car Buying Service purchasing process. The rate listed also assumes an automatic payment method. For details, please visit myconsumers.org/borrow/loans/rate-discounts. Individual rates may vary based on credit score and other factors. An example of payment terms is as follows: an amount financed of $20,000with with an APR of 3.99% and a term of 60 months would have a monthly payment of $368.00.

^7. APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR. For details, please ask a CCU representative. Existing CCU loans are not eligible for a discount. No down payment required for qualified buyers.

^8. All rates and “no payment for first 60 days” are subject to change based on market conditions, term of loan, creditworthiness of borrower and percentage of loan-to-value. Interest and payment protection fees

^9. Receive a cash bonus when you open a new Home Equity Line of Credit (HELOC) with CCU as part of our Lake in the Hills Branch (LITH) Grand Opening promotion. HELOC application must be submitted between 9/01/2025 and 10/31/2025, and the loan must be funded by 11/30/2025 to qualify. The HELOC must be approved, opened, and include an initial draw of at least $10,000 at the time of closing to receive the cash bonus. Current CCU HELOCs are not eligible for the cash bonus. May not be combined with any other home equity cash bonus offers. To qualify, the loan must be opened in-person at the LITH branch or through the LITH landing page, and the promo code LITH245 must be entered or mentioned during the application process. The cash bonus will be awarded in the form of a direct deposit to your CCU savings account within 90 business days from the funding date of the loan.

*15-Year Fixed Rates are available for a limited time and are subject to change without notice. All loans are subject to credit approval, membership eligibility and underwriting guidelines. The advertised rate applies to owner-occupied properties and assumes excellent credit, a qualifying loan-to-value (LTV) ratio, and other eligibility factors. Additional terms, conditions, and restrictions may apply. Contact us for full details. Payment Example: A $200,000 loan with 20% down at a 5.99% APR on a 15-year fixed mortgage would result in a monthly principal and interest payment of approximately $1,865. This does not include taxes and insurance, which will increase the total payment.

^Annual Percentage Yield. APY is subject to change without notice. Earn a 5.00% APY when you open a new 10-month certificate as part of our Lake in the Hills (LITH) Branch Grand Opening promotion. To qualify, the certificate must be opened in person at the LITH branch 9/01/2025–10/31/2025. Minimum deposit required to open the certificate is $250. Dividends compound daily and are paid monthly. Penalties will apply for early withdrawal of funds. At maturity, the promotional term certificate will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See the Truth-In-Savings Disclosure for full details.