[1] [3] [4] 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.

[2] Subject to program CardPerks Terms and Conditions. View Terms and Conditions for more information.

[5] Bonus rate of 0.50% 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); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

[6] You can use your United debit card to access money at ATMs anytime and anywhere. Enjoy free withdrawals at ATMs owned by United Federal Credit Union. Members are entitled to five (5) free withdrawals per month through CO-OP Network and Alliance One ATMs: CO-OP Network – Access at nearly 30,000 network ATMs nationwide. Text Messaging and GPS available! Alliance One – ATMs in 39 states and territories

Transactions at ATMs not owned by United Federal Credit Union may incur an additional surcharge from the ATM owner. This fee is not collected nor controlled by United Federal Credit Union

[7] ATM foreign surcharge fees will be refunded monthly, up to $10/month; excluding international ATMs, balance inquiry, and ATM deposit fees. Members must meet the following monthly requirements to earn ATM foreign surcharge fee refunds: (a) enrollment in eDocuments; (b) at least 1 direct deposit or ACH per month; and (c) a combined total of at least 20 cleared signature (swipe-and-sign/non-PIN) transactions on an Ultra or Rewards Checking account or 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.