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**Available January 1, 2025 – May 31, 2026. Offers exclusive to designated Select Employer Groups (SEGs). Offers must be initiated by member using code “AWP26” during online application process or in branch. Applicable to Mortgage/HELOC Closing Cost discount, Momentum Checking perk, and Auto Loan rate discount. Promotions, rates, terms and conditions subject to change at any time without notice.Membership required.

1. Qualifying borrowers may be eligible to defer their first payment for up to 90 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied.

2.Annual Percentage Rate (APR). Discount of 1% APR deducted from standard approved rate. Requires credit and underwriting approval. Rates are determined by your credit score and loan term at the time of application. Offer available for new or refinanced auto loans. Requires $5000 minimum loan amount.

3.$50 Perk requires $500 monthly direct deposit within 90 days of account opening. Perk is paid to your Momentum Checking account after criteria is met. Please allow 2 weeks for processing. For new Momentum Checking accounts only.

4.Annual Percentage Yield (APY) as of January 2, 2026. Requires minimum number of debit card purchases. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Requires $500 minimum monthly direct deposit and enrollment in e-statements. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you do not receive interest for the month.

5. Direct deposits and other Automated Clearing House (ACH) credits may post to your account up to five days early with the Early Pay service. The Early Pay service is dependent upon when the deposits are originated from the sender and received by the Credit Union, and we cannot guarantee deposits will post prior to their anticipated settlement date. The Credit Union is not responsible for delays in posting due to unforeseen circumstances. The Credit Union, in its sole discretion, may determine whether certain deposit payments, deposit types, or member accounts are excluded from the service. The terms and conditions for Early Pay are subject to change, at any time, without advance notice. Not applicable to business, loan, or mortgage accounts. 

6.Offer automatically deducted from closing costs during loan closing process.

7. Qualification is based on an assessment of individual creditworthiness and our underwriting standard. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Not all applicants will qualify. Contact us for more information. See full disclosure.

8. Annual Percentage Rate (APR). Offer available as of January 2, 2026. Balance Transfer promotional rate applicable for 6 monthly billing cycles. Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. 2,500 bonus points added to CURewards account after card activation.

9. Annual Percentage Yield (APY) calculated by the daily balance method. Dividends are compounded and paid quarterly. APY is variable and may change at any time. Fees may reduce earnings on the account. APY shown is accurate as of January 2, 2026