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*Annual Percentage Yield (APY) effective 11/9/2026. Accurate as of the last dividend declaration date.

**APR=Annual Percentage Rate is effective 11/6/2026

¹Cash Reward Checking 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. 

² A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply.

³A minimum balance of $5.00 is required to open and earn dividends.

⁴ Saver Qualifications: In your Cash Rewards or Cash Back Rewards Checking account, (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 in estatements during the monthly periodic statement cycle. Account transactions and activities in your Cash Rewards or Cash Back Rewards Checking account may take one or more days to post and clear to your Cash Rewards or Cash Back Rewards Checking account and all must do so during the monthly periodic statement cycle in order to qualify for the Saver account rewards. When qualifications are met in your Cash Rewards or Cash Back Rewards Checking account, balances in your Saver account up to $50,000.00 earn 0.75% APY and balances over $50,000.00 earn 0.15% APY resulting in a range from 0.27% to 0.75% APY depending on the account’s balance. If qualifications are not met, 0.05% APY is received on the entire balance. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Terms and conditions subject to change. Membership requirements apply.

⁵ No dividends payable to account owner or authorized user. Dividends paid monthly will be swept from IOLTA trust account and remitted accordingly per IOLTA rules.

⁶ A minimum balance of $1,000.00 is required to earn dividends.

⁷Limit of one Reverse Tier Savings Account per member. Interest is paid at tier rates on the balances within each tier.  Total interest paid is the sum of interest earned from each balance in each tier. APY paid is a blended APY of applicable tiers.

⁸ Please consult your tax adviser for information on qualifying medical expenses.

⁹ APR calculation assumes no fees; fees may impact rate. Minimum monthly payment applies based on outstanding balance and loan terms. Membership requirements and other restrictions apply. Rates subject to change without notice.

¹⁰ Rates may vary depending on applicant's creditworthiness and year of collateral. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 66 monthly payments of $17.71 per $1,000.00 borrowed at 5.74% APR on 2023 or newer vehicles. Down payment may be required. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.

¹¹ Rates may vary depending on applicant's creditworthiness and year of collateral. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 78 monthly payments of $17.48 per $1,000.00 borrowed at 9.99% APR on 2023 or newer motorcycle. Down payment may be required. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.

¹² Rates may vary depending on applicant's creditworthiness and year of collateral. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 120 monthly payments of $12.94 per $1,000.00 borrowed at 9.49% APR on 2023 or newer recreational vehicles. Down payment is required. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.

¹³ APR calculation assumes no fees; fees may impact rate. Minimum monthly payment applies based on outstanding balance and loan terms. Membership requirements and other restrictions apply. Rates subject to change without notice.
 

¹⁴ 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: 60 monthly payments of $21.99 per $1,000.00 borrowed at 11.49% APR. Restrictions and requirements apply. Membership requirements apply. Subject to approval. Rates and terms are subject to change without notice. Equal opportunity lender.

¹⁵ APR=Annual Percentage Rate is effective 11/6/2026 and includes origination fees based on product type. Rates are subject to change. A example of a 7/6 payment for $320,000 loan with a 6.500% rate and 7.315% APR, the first 84 payments are $2,022.62, followed by 276 payments that could range from $1,416.00 to $2,988.00, based on a minimum rate of 2.75% and a maximum rate of 11.500%. Examples assume a property value of $400,000 and a loan to value of 80%. Above payment examples don’t include taxes and insurance. Actual payments may be higher. Closing costs don’t include buy downs, escrows or subordination fees (if applicable). The values are published by the Federal Reserve Bank of New York. Membership requirements apply. Restrictions and requirements apply. Program subject to change. Equal Housing Lender.

¹⁶ APR=Annual Percentage Rate is effective 11/6/2026 and includes origination fees based on product type. Rates are subject to change. A example of a 5/6 payment for $320,000 loan with a 6.150% rate and 7.625% APR, the first 60 payments are $1,944.35 followed by 300 payments that could range from $1,379.00 to $2,940.00 based on a minimum rate of 2.75% and a maximum rate of 11.150%. Examples assume a property value of $400,000 and a loan to value of 80%. Above payment examples don’t include taxes and insurance. Actual payments may be higher. Closing costs don’t include buy downs, escrows or subordination fees (if applicable). The values are published by the Federal Reserve Bank of New York. Membership requirements apply. Restrictions and requirements apply. Program subject to change. Equal Housing Lender.

¹⁷ APR=Annual Percentage Rate. APR for this loan type is 6.792%. Rate with approved credit. Terms and rates may change at any time without notice. Rates apply to Conventional 1st mortgages. Closing costs apply and range from $2,500-$5,000 depending on circumstances which do not include rate buy-down or escrows. Minimum loan amount is $40,000. Maximum loan-to-value ratio is 80%. Payment example: 360 payments of $2,591.73 at an interest rate of 6.740% based on an average $400,000 loan balance. Monthly payment amount displayed includes principal and interest only. Payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. Other restrictions and requirements may apply. Membership requirements apply. Ask a mortgage loan officer for details.

¹⁸ Membership requirements apply. Restrictions and requirements apply. Equal Housing Lender.
 

¹⁹ Must be 18 and older to qualify. Down payments are examples only and do not include closing costs, prepaid interest, taxes and homeowners’ insurance. Down payment amount and mortgage loan amount will vary based on purchase price amount, credit score and income. Payment example on a loan amount of $355,410: 360 monthly payments of $2,540.80 at 7.791% APR which includes a down payment of 1%, purchase price $359,000. Estimated closing costs of $5,397.00. Pre-paid interest, taxes and homeowners’ insurance are not included in closing costs or payment example and can vary. An AACU rewards checking account is required with direct deposit to qualify. Membership requirements apply. Restrictions and requirements apply. Program subject to change. Equal Housing Lender. 

²⁰ APR=Annual Percentage Rate. APR is determined by adding a Margin to the Index. The Index is the Prime Rate as published in the “Money Rates” table in The Wall Street Journal. The Margin is calculated based on individual credit history and loan-to-value ratio. Rates subject to change without notice. Rates may vary after account is opened. Rates are adjusted on the first day of the month following a change in the Prime Rate, as published in the Wall Street Journal. The Prime Rate in effect on 09/16/2026, is 7.00%. At no time, will the rate exceed 17.99% APR. Minimum loan amount is $10,000. Maximum loan amount is $250,000. During the Advance Period, the minimum monthly payment is the greater of $50.00 or the finance charges that have accrued during the billing cycle. During the Repayment Period, the minimum monthly payment is the greater of $50.00 or the minimum monthly principal and interest payment due based on a 120 month amortization schedule calculated by the outstanding balance at the end of the Advance Period, plus finance charges that have accrued on the outstanding balance during the billing cycle. There is no limit on the amount by which the rate can change during any one-year period aside from the rate cap of 17.99%. Floor rate 3.5%. The maximum APR of 17.99% could be reached the first month of the draw period. Closing cost range is $400-$2,000. Late fees may apply. For current index value, margins, and APR, call 800.223.1983. Restrictions and requirements may apply. Ask a mortgage loan officer for details. Membership requirements apply. Equal Housing Lender. Please Note: Colorado Properties Only

Air Academy Federal Credit Union: NMLS# 454287