r e b m e M s ’ t a h W ? e g a t n Adva ith all w u o y s d r a w e am that r r g o r p E cts and E u R d F o r p E It’s a T G g t for usin s ju , e r o et in m g d o n t p u this a n ig s o need t ’t n o d lly in a u ic o t Y a . s m e o t u a e servic – you’r e g a t n a v d A onth! m h c a Member e s t n e equirem r e h t it h u o y s once Waived fee .25% APY increase on new and e renewal shar s certificate rate * Y P A % 9 2.4 on checking and savings balances up to $500 ** .25% APR upfront discount on er new consum loans $250 towards first mortgage es application fe & closing costs & other discounts tage n a v d a r e b em m / g r o . l a i c n gtefina How Do I Qualify? required Savings plus: have 2 of the following plus: perform 1 of the following Credit Card 8 debit card signature-based purchases Free Checking Consumer Loan Three virtual banking transactions: eStatements Mortgage † GTE Online Banking transactions ‡ Money Market , IRA, or Share Certificate Phone Banking transaction Payroll Direct Deposit Bill payment or Popmoney transfer using GTE Bill Pay Automobile, Homeowners, Boat, Motorcycle, or Personal watercraft insurance through Insurance Services GTE Investment Group Mobile Banking transaction ATM deposit Remote deposit made with Deposit2GO ACH transaction Have a minimum of one completed Member Referral *APY=Annual Percentage Yield as of December 1, 2015. Fees may reduce earnings. Rates, terms and conditions subject to change without notice. 2.49% APY only available on your primary checking account. U22 Checking accounts are not eligible for Member Advantage. | **APR=Annual Percentage Rate. Loan approval, APR, and down payment required based on payment method, creditworthiness, collateral, and ability to repay. Rates, terms, and conditions are subject to change. Minimum APR available on auto loans is 1.74% based on qualifications. .25% discount does not apply to Mortgages, Lines of Credit, Cash Secured Loans, and Credit Cards. | Federally insured by NCUA.