Ryan Shields

^* Registration/activation required. Health Discount Savings is not insurance.

^** Bonus: Restrictions may apply. Matching deposit bonus offer is only valid on Secure Plus Checking. Coupon must be presented at account opening. This offer is valid on new checking accounts only and not in combination with other offers. To receive the $250 checking deposit match bonus: 1) Open a Secure Plus Checking account, which is subject to approval. 2)Deposit a minimum of $25 at account opening. 3) Have a direct deposit of at least $600 a month deposited to the account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as social security) from your employer or the government. Matching deposit bonus amount will be determined by the initial deposit made when opening the new checking account and will not exceed $250. All above requirements must be met within 60 days of opening the account. You will receive the bonus match as a credit to your new checking account within 40 business days once all requirements are met. The account must not have a negative balance to receive the cash bonus. Checking account with direct deposit must remain open for a minimum of six months or matching deposit bonus may be debited from account at closing. Offer ends without notice. Registration and activation are required to access benefits. Service Fee: Secure Checking Plus has no monthly fee for veterans and first responders , otherwise a $10 monthly fee will apply. Matching deposit bonus is considered interest and is re-portable on IRS form 1099-INT. Membership required.

¹ Message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.

² An overdraft fee may be imposed for covering overdrafts created by check or electronic funds transfer, including debit card transactions and Automated Clearing House transactions. If sufficient funds are not available, then any such item presented may be returned to the payee due to non-sufficient funds and all applicable fees may be charged to your Account as set forth in the Truth-In-Savings Fee Schedule.

³ This is an optional service on eligible Checking Accounts for each membership. Eligibility is at the sole discretion of the Credit Union and is based on you managing your Checking Account in a responsible manner. This service allows us to pay, at our discretion, any withdrawal order item (whether by check, electronic funds transfer, including ATM and everyday (one-time) debit card transactions and Automated Clearing House (ACH) preauthorized transactions) if you do not have enough available funds to cover the item(s) in your Checking Account. However, if you would like to include overdrafts for ATM and everyday (one-time) debit card transactions, you are required to “opt-in” (in other words, you must provide us with your affirmative consent) to the overdraft service. If we pay overdraft items for you, we will charge your Account an overdraft fee for each overdraft, as set forth in the Truth-In-Savings Fee Schedule. With Overdraft Privilege Pay, we will generally pay your overdraft items up to a total of $800.00; however, whether your overdrafts are paid is discretionary and we reserve the right not to pay an overdraft on your Checking Account. For example, we typically do not pay overdrafts if your Account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Accounts must be brought to a positive account balance within 30 calendar days.