*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

**APY = Annual Percentage Yield. Dividend rate displayed is subject to change without notice. This is a tiered account. Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA.

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

***This is a tiered account. The U Rewards dividend rate applies to balances up to and including $25,000. Balances in excess of $25,000 will earn the Premier U rate. This account has a variable dividend rate which is subject to change. ATM fees on qualifying accounts are reimbursed at the end of each month. If you do not meet the monthly U Rewards rate requirements (use your UTFCU debit card at least 20 times, Log in to online or mobile banking, have direct deposit, and maintain enrollment in eStatements), your account will earn the Premier U rate and you will not receive ATM fee refunds for that period. There is no minimum balance requirement. One account per individual taxpayer ID.

*All regular (non-special/promo) certificates, with the exception of Educational IRAs, require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***APY= Annual Percentage Yield. Rate applies to new money deposits. Rate effective 10.07.2024. Rate is subject to end at any time. $10,000.00 minimum balance. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Federally insured by NCUA.

****APY= Annual Percentage Yield. Rate applies to new money deposits. Rate effective 10.07.2024. Rate is subject to end at any time. $1,000.00 minimum balance. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UTFCU branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UTFCU. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals. Contact UTFCU for more information or refer to your account disclosure for term, rate bump, early withdrawal penalty, and maturity information. Federally insured by NCUA.

*All regular (non-special/promo) certificates, with the exception of Educational IRAs, require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***APY= Annual Percentage Yield. Rate applies to new money deposits. Rate effective 10.07.2024. Rate is subject to end at any time. $10,000.00 minimum balance. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Federally insured by NCUA.

****APY= Annual Percentage Yield. Rate applies to new money deposits. Rate effective 10.07.2024. Rate is subject to end at any time. $1,000.00 minimum balance. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UTFCU branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UTFCU. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals. Contact UTFCU for more information or refer to your account disclosure for term, rate bump, early withdrawal penalty, and maturity information. Federally insured by NCUA.

*All regular (non-special/promo) certificates, with the exception of Educational IRAs, require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***APY= Annual Percentage Yield. Rate applies to new money deposits. Rate effective 10.07.2024. Rate is subject to end at any time. $10,000.00 minimum balance. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Federally insured by NCUA.

****APY= Annual Percentage Yield. Rate applies to new money deposits. Rate effective 10.07.2024. Rate is subject to end at any time. $1,000.00 minimum balance. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UTFCU branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UTFCU. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals. Contact UTFCU for more information or refer to your account disclosure for term, rate bump, early withdrawal penalty, and maturity information. Federally insured by NCUA.