Benefits of banking with MIDFLORIDA

1. Offer valid as of December 8, 2024, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. Incentive not available for Freedom Banking or High Yield Checking accounts. Paper statements are not routinely provided for Free Checking accounts. See associate for details regarding fees and terms. To qualify for the incentive, you must open a new Free Checking account with direct deposit ($500 cumulative which must post within 60 days of account opening; Cash transfer app deposits do not qualify); accept and open online banking, eStatement, and a debit card; and complete 5 debit card purchase transactions which must post in one calendar month (to be completed within the first 60 days of account opening). No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. The incentive will be deposited to the new Free Checking account within 14 days after all qualifications have been met and will be reported to the IRS. Minimum to open Free Checking is $50.

2. High Yield Savings: Offer and rate valid as of November 1, 2024, and may be canceled at any time without notice. Membership and eligibility requirements apply. No institutional funds. Fees may reduce earnings. Minimum to open is $25,000. Not available for commercial accounts. This is a tiered product. 3.00% Annual Percentage Yield (APY) currently applies to all tiers regardless of balance. Rates may change after the account is opened, without notice. APY shown is accurate as of October 1, 2024. Contact employees for further information on fees and terms.

3. Certificate of Deposit Special: Offer and rate valid as of December 2, 2024, and may be canceled without notice. Annual Percentage Yield (APY) for 6-month certificate is 4.50% and 4.50% for 36-month. Available for new and existing members. Eligible for Consumer, IRA, and Business accounts. Membership and eligibility requirements apply. Fees may reduce earnings. Minimum to open $1,000. The initial deposit cannot exceed $5 million per member or $10 million per address. Advertised APY is based on the assumption that funds will remain in the certificate until maturity. Penalties may apply for early withdrawal. Contact employees for further information on fees and terms.

4. Personal Loan Offer: Valid as of November 15, 2024, and may be canceled at any time without notice. Credit and eligibility requirements apply. Payment example: a 72-month fixed-rate loan for $20,000 at 10.99% and an Annual Percentage Rate (APR) of 11.221% would have a monthly payment of $380.56, which includes principal and interest.

5. Home Equity Offer: Offer valid as of November 15, 2024, and may be canceled without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. Approval subject to application, eligibility, credit and acceptable property (must be your primary residence, manufactured homes excluded; acceptable appraisal and title required; condos or townhouses eligible only if loan pays off all other mortgages and liens). Property insurance required. Flood insurance when required. Online appraisal typically used to determine home value. Not available for refinance or consolidation of existing MIDFLORIDA loans. Loan amounts from $10,000 to $500,000. Not all homes will qualify to be mortgaged for more than their original purchase price. Other terms and conditions apply. See your loan officer for details. Home Equity Loan payment example: A 20-year fixed rate loan for $100,000 at 80% LTV at 7.337% and an Annual Percentage Rate (APR) of 7.353% would have a monthly payment of $795.92, which includes principal and interest. Payment example does not include taxes and insurance premiums; the actual payment obligation will be greater. For home equity line of credit: The variable Annual Percentage Rate (APR) may be 7.75% to 18.00%, depending on creditworthiness. Variable rate is based on the Wall Street Journal Prime Rate (7.75% as of 11/15/2024) and is subject to change quarterly. Maximum APR is 18.00%. $25 fee for advances less than $100. Bridge loans have origination fee of $500 or 0.5% of loan amount, whichever is greater. "No Closing Costs" applies to eligible loan up to and including $400,000 on primary residence on platted lot less than ½ acre with a combined loan to value (CLTV) of 75% or less. Does not apply to purchase transactions. Appraisal, survey, title policy and other closing costs at borrower's expense may be required on other loans. Costs subject to recapture within 36 months.