You Care,

We Reward

¹ To receive the $250 bonus, open a Cash Rewards Checking account or a Cash Back Rewards Checking account and: (a) deposit $200; (b) have your direct deposit post to your account; (c) post and clear one non-ATM transaction with your Visa® Debit Card within 45 days of account opening. Bonus will be credited into your rewards checking account within 2 business days after meeting the requirements. Offer valid on personal accounts only and limited to 1 account per member. Bonus is considered taxable income. Must mention offer at time of account opening for bonus eligibility. Offer not valid for current Rewards Checking account holders or members with accounts closed within the past 180 days. Accounts closed within 180 days of account opening will be charged a $25 early closure fee. Cannot be combined with another checking account offer or used for an existing checking account. Offer availability subject to change. Restrictions and requirements apply. Must be a Colorado resident to qualify.

² Examples of qualifying direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through a teller, Zelle® transactions, ATM, or the AACU mobile app are ineligible direct deposits.

³ Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) enroll to receive your periodic statements electronically during the monthly periodic statement cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Back Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. You will receive 10.00% cash back on up to a total of $250.00 debit card purchases that post and clear to the account during the qualifying monthly periodic statement cycle. A maximum of $25.00 cash back may be earned per monthly periodic statement cycle. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change.

⁴ Annual Percentage Yield (APY) effective 10/19/2026. Accurate as of the last dividend declaration date.

⁵ Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) enroll to receive your periodic statements electronically during the monthly periodic statement cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. Balances up to $15,000.00 earn an APY of 1.25%; and balances over $15,000.00 earn 0.15% APY on the portion of balance over $15,000.00. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change.

⁶ Must be approved for a qualifying mortgage product to receive rate reduction. Offer applies to 1st mortgages only. First-Time Homebuyer Mortgage does not qualify for this offer. Other restrictions and requirements may apply. Ask a mortgage loan officer for details. Subject to approval. Equal Housing Lender.

⁷ APY=Annual Percentage Yield. $500 minimum balance required to earn dividends. 6 month to 60 month terms available. Fees may reduce earnings. Early withdrawal penalties apply. Rates subject to change.

⁸ Average annual interest refunded calculated based on an average loan balance of $10,552 at an average rate of 11.24% APR. In order to receive the interest refund, You must make your first 12 scheduled monthly payments on time (within the grace period stated in your loan disclosure). First payment due within 45 days of date of loan disbursement. Any late or missed payments will result in interest not being refunded. Restrictions and requirements apply. Subject to approval. We do business in accordance with the Equal Credit Opportunity Act.

⁹ APR=Annual Percentage Rate. Rates may vary depending on applicant’s creditworthiness and term of loan. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 48 monthly payments of $25.84 per $1,000.00 borrowed at 10.99% APR. Rates and terms are subject to change without notice. Restrictions and requirements apply. Subject to approval. We do business in accordance with the Equal Credit Opportunity Act.

¹⁰ Estimated annual value based on utilizing and maximizing all Select Employee Group special offers.

¹¹ Average annual certificate earnings based on an average certificate balance of $32,400, as of 2/28/2026. The annual rate increase savings is calculated based on an average certificate balance of $32,400.

¹² Average annual savings based on 30-year 1st mortgage products funded from January, 2025 to December, 2025. The annual rate reduction savings is calculated based on an average loan amount of $508,555.

Limited Time Offer. Subject To Change.