Account Type	Minimum Opening Balance	Minimum to Earn APY	APY*
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. *To avoid a monthly service fee, a minimum daily checking account balance of $1,000 or an aggregate daily balance of $4,000 among all credit union accounts is required.
Account Type Advantage Checking**	Minimum Opening Balance $0.00	Minimum to Earn APY $0.00	APY* 0.10%
Account Type Value Checking	Minimum Opening Balance $0.00	Minimum to Earn APY n/a	APY* n/a
Account Type Youth Checking	Minimum Opening Balance $1.00	Minimum to Earn APY n/a	APY* n/a

Account	Minimum Opening Balance	Minimum to Earn APY	APY*
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. *The APY for an account balance up to $500 in a First500 Account will be 5.00% APY when member has a First Entertainment Checking Account and has requested eStatements only (member must discontinue receipt of paper statements). Member must also have either active online Bill Pay service or Direct Deposit. Active is defined as one transaction every ninety (90) days for either service. First500 Youth Accounts will earn 5.00% APY on account balances up to $500 with Digital Banking enrollment and eStatements only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice and may vary. In certain instances when the minimum balance is not maintained and no other services or accounts are open, a low balance monthly fee may apply. Check with the credit union for complete details.
Account First500 Savings**	Minimum Opening Balance $1.00	Minimum to Earn APY $5.00	APY* 5.00%
Account First500 Savings Base Rate**	Minimum Opening Balance $1.00	Minimum to Earn APY $5.00	APY* 0.05%

Minimum Opening Balance	Minimum to Earn APY	APY**
The APY for an account balance up to $500 in First500 Youth Accounts (or Coogan Accounts) will be 5.00% APY on account balances up to $500 with Internet access and eStatement only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice. *APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. ^††There is a minimum balance requirement of $50 for this account.
Minimum Opening Balance $50.00††	Minimum to Earn APY $5.00††	APY** 0.05%

Minimum Opening Balance	Minimum to Earn APY	APY*
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. *Rate on our multi-tiered Money Market Account is based on the Account’s daily balance. Account balances below $2,500 earn no dividends.
Minimum Opening Balance $2,500	Minimum to Earn APY $2,500**	APY* 0.60%
Minimum Opening Balance $2,500	Minimum to Earn APY $25,000**	APY* 0.80%
Minimum Opening Balance $2,500	Minimum to Earn APY $50,000**	APY* 0.90%
Minimum Opening Balance $2,500	Minimum to Earn APY $100,000**	APY* 1.00%
Minimum Opening Balance $2,500	Minimum to Earn APY $500,000**	APY* 1.20%

Term	$1,000 Minimum	$25,000 Minimum	$100,000 Minimum
* Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period. **APY = Annual Percentage Yield. Rate and term valid as of January 01, 2026. New 4-month Term Savings Certificate minimum balance required of $10,000 new money or more to earn 3.75% APY. New money is described as funds that have not been on deposit in a First Entertainment Account within the past 30 days. After the account is opened, additional deposits to the account are not permitted. The 4-Month Term Savings Certificate has a maximum balance of $500,000.00. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the promotional Savings Certificate, funds will roll over to a standard non-promotional 6-month Term Savings Certificate at the then current rate. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. See Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. For complete agreement and disclosure, click here. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency. Fees and penalties may reduce principal.
Term 4 Months (Special Promo)	$1,000 Minimum N/A	$25,000 Minimum 3.75% APY (requires $10,000 minimum)**	$100,000 Minimum N/A
Term 6 Months	$1,000 Minimum 2.25% APY*	$25,000 Minimum 2.40% APY*	$100,000 Minimum 2.55% APY*
Term 1 Year	$1,000 Minimum 2.55% APY*	$25,000 Minimum 2.70% APY*	$100,000 Minimum 2.85% APY*
Term 3 Years	$1,000 Minimum 2.30% APY*	$25,000 Minimum 2.30% APY*	$100,000 Minimum 2.30% APY*
Term 5 Years	$1,000 Minimum 3.55% APY*	$25,000 Minimum 3.70% APY*	$100,000 Minimum 3.85% APY*

Credit Card	APR*	Loan Amount
* Annual Percentage Rate
Credit Card Visa^{^®} Platinum	APR* 12.99% – 20.65%	Loan Amount $500 – $30,000

Credit Card	APR*	Credit Line
* Annual Percentage Rate
Credit Card Visa^{^®} Preferred Cash	APR* 14.49% – 22.15%	Credit Line $5,000 – $30,000

Credit Card	APR*	Loan Amount
* Annual Percentage Rate
Credit Card Spotlight Visa^®	APR* 17.49% – 25.65%	Loan Amount $5,000 – $30,000

APR^** (as low as)	Maximum Term	Loan Amount
^If at any point during the life of your Loan you no longer meet the direct deposit or automatic loan payment requirements, we may terminate the APR discount, at our sole discretion, and increase your APR and payment to the original amount on your Loan Agreement accordingly. A grace period of up to 90 days will be provided to accommodate any gaps in employment and/or payroll changes. ^*APR = Annual Percentage Rate. This rate is effective per the effective date indicated above for Personal Loan Rates. Lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account and automatic loan payments made from the same account.¹ 10.40% APR (11.15% APR without discounts) is the preferred rate for personal loans for amounts from $500 to $30,000 and up to a three (3) year term. Not all members will qualify for the preferred rate. Proof of income may be required depending on the applicant’s credit rating and other underwriting factors. For example, the monthly payment per $1,000 for 36 months at 10.40% APR is $32.46 (this rate includes discounts). The payment example is for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
APR^** (as low as) 10.40%	Maximum Term 3 Years	Loan Amount $500 – $30,000
APR^** (as low as) 10.90%	Maximum Term 4 Years	Loan Amount $5,000 – $30,000
APR^** (as low as) 11.15%	Maximum Term 5 Years	Loan Amount $10,000 – $30,000

APR^** (as low as)	Maximum Term	Loan Amount
^If at any point during the life of your loan you no longer meet the direct deposit or automatic loan payment requirements, we may terminate the APR discount, at our sole discretion, and increase your APR and payment to the original amount on your Loan Agreement accordingly. A grace period of up to 90 days will be provided to accommodate any gaps in employment and/or payroll changes. ^*APR = Annual Percentage Rate. Lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account and automatic loan payments made from the same account. 8.90% APR (9.65% APR without discount) is the preferred rate for union dues for amounts from $500 to $10,000 and up to a three (3) year term. Not all members will qualify for the preferred rate. Proof of income may be required depending on the applicant’s credit rating and other underwriting factors. For example, the monthly payment per $1,000 for 36 months at 8.90% APR (this rate includes discount) is $31.75. The payment example is for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates.
APR^** (as low as) 8.90%	Maximum Term 3 Years	Loan Amount $500 – $10,000

Home Equity Fixed Rate
Type of Ownership	Interest Rate	APR*	Maximum CLTV**	Loan Amount
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a 45 day Locked Commitment. APR examples above are based on an owner-occupied, detached single family residence, loan amount of $200,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 45-day lock commitment. Disclosed APR includes 15 days of estimated prepaid interest. APR – Annual Percentage Rate- The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees. * Combined Loan to value (CLTV) All second liens greater than 80% are limited to Owner Occupied transactions.
Type of Ownership Owner Occupied 60%	Interest Rate 6.625%	APR* 6.655%	Maximum CLTV** Maximum 60%	Loan Amount $45,000-$500,000
Type of Ownership Owner Occupied 70%	Interest Rate 6.625%	APR* 6.669%	Maximum CLTV** Maximum 70%	Loan Amount $45,000-$500,000
Type of Ownership Owner Occupied 80%	Interest Rate 6.625%	APR* 6.669%	Maximum CLTV** Maximum 80%	Loan Amount $45,000-$500,000
Type of Ownership Owner Occupied 90%	Interest Rate 7.625%	APR* 7.677%	Maximum CLTV** Maximum 90%	Loan Amount $45,000-$250,000
Type of Ownership Non-Owner Occupied (Investment) 60%	Interest Rate 7.625%	APR* 7.677%	Maximum CLTV** Maximum 60%	Loan Amount $45,000-$250,000

Fixed and Adjustable Rate Mortgages
Term	Rate	APR*
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000. *APR – Annual Percentage Rate The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan) and adjusts the interest rate on your note.
Term 30 YEAR FIXED	Rate 6.375%	APR* 6.432%
Term 30 YEAR FIXED JUMBO	Rate 6.375%	APR* 6.410%
Term 15 YEAR FIXED	Rate 5.500%	APR* 5.586%
Term 10/1 ARM	Rate 5.875%	APR* 5.971%
Term 7/1 ARM	Rate 5.750%	APR* 5.926%
Term 5/5 ARM	Rate 5.625%	APR* 5.906%
Term 5/1 ARM	Rate 5.500%	APR* 5.858%
Term 3/3 ARM	Rate 5.375%	APR* 5.802%

Schedule of Fees & Charges – Personal Accounts
Item Description	Fee or charge
^See Member Account Agreement and Disclosure for specific details on the terms of this account/service and when this fee is charged. ^^See Member Account Agreement and Disclosure for specific details on the Overdraft program. ^^**No charges are assessed in connection with the investigation of an alleged billing error.
Item Description Cashier’s Checks Payable to Third Party	Fee or charge $10.00
Item Description Account-to-Account ACH Returns	Fee or charge $20.00
Item Description Check Printing	Fee or charge varies by style
Item Description Daily Negative Balance Fee (when account balance is negative more than 3 calendar days)	Fee or charge $5.00
Item Description Escheat Notice	Fee or charge $2.00
Item Description Insufficient Funds (NSF)(each)	Fee or charge $14.00
Item Description IRA Annual Maintenance Fee	Fee or charge $15.00
Item Description IRA Transfer to Another Institution	Fee or charge $40.00
Item Description Legal Processing (per hour, except where prohibited by law)	Fee or charge $50.00
Item Description Levy, Subpoena Processing (each)	Fee or charge $75.00
Item Description Monthly Service Fee (First500 Savings Account)^*	Fee or charge $6.00
Item Description Monthly Inactive Account Fee (no member-initiated activity for 12 months)	Fee or charge $5.00
Item Description Monthly Paper Statement Fee	Fee or charge $6.00
Item Description Overdraft Fee (each)^**	Fee or charge $14.00
Item Description Overdraft Protection Transfers from Savings (per transaction)^^	Fee or charge $3.00
Item Description Par Value	Fee or charge $1.00
Item Description Payments by Phone	Fee or charge $5.00
Item Description Research/Account Reconciliation (per hour) ($25.00 minimum plus any related document copy fees, except if prohibited by Law)^^*	Fee or charge $25.00
Item Description Returned Deposited/Cashed Item^^*	Fee or charge $20.00
Item Description Rush Delivery Charges (cards or documents requested for expedited delivery)	Fee or charge $50.00
Item Description Skip-a-Pay/Loan Extension	Fee or charge $30.00
Item Description Stop Payment Request (check or ACH)^^*	Fee or charge $20.00
Item Description Verification of Deposit	Fee or charge $15.00
Item Description Wire Transfer – Domestic (outgoing)	Fee or charge $30.00
Item Description Wire Transfer – International (outgoing)	Fee or charge $50.00
Item Description Zelle^{^®}	Fee or charge $0.00
Item Description Notary Fee (per notarized signature)	Fee or charge $5.00

Value Checking Account Fees
VALUE CHECKING	Fee or charge
*Additional surcharges may apply. Fee is not charged to Value Checking accounts with at least $1,000 per month in direct deposits and receive up to $15 per month in ATM surcharge-fee rebates per month.
VALUE CHECKING Monthly Service Charge With eStatements	Fee or charge $0
VALUE CHECKING Monthly Service Charge Without eStatements	Fee or charge $6.00
VALUE CHECKING Per-Check charges	Fee or charge None
VALUE CHECKING Dividend bearing	Fee or charge None
VALUE CHECKING eStatements, Bill Pay, and Mobile Deposits	Fee or charge Free
VALUE CHECKING Transactions at First Entertainment and more than 30,000 CO-OP Network ATMs (locations nationwide, including 7-Eleven^{^®} and select Costco^{^®} stores)	Fee or charge Free
VALUE CHECKING Out-of-Network ATM Withdrawals (each)*	Fee or charge $2.00

APR^* (as low as)	Loan Amount
* APR = Annual Percentage Rate. APR ranges from 12.24% to 18.00% The rate is variable, based on the Prime Rate, as published in the Wall Street Journal, plus a margin. The interest rate is based on creditworthiness and credit history. All Credit Union loan programs, rates, and conditions are subject to change without notice. Loan Proceeds may not be used to refinance existing First Entertainment Credit Union Loans. Debt Consolidation Loans are subject to direct pay to the creditors. All loans are subject to credit approval. The Maximum unsecured amount per member is $30,000, which includes the combined totals on Personal Loans, Union Dues, Personal Line of Credit, and Credit Cards.
APR^* (as low as) 12.24%	Loan Amount $500 – $30,000

Type of Ownership	Maximum CLTV	Interest Rate	Loan Amount	Maximum Years to Pay
Annual Percentage Rates and terms subject to change without notice. All loans are subject to credit, income, and collateral approval. Combined Loan to value (CLTV) – 1st mortgage balance and new HELOC loan amount Prime Rate is based on that published by the Wall Street Journal. Alternative rates and terms apply depending on applicant’s credit and collateral qualifications.
Type of Ownership Owner Occupied 60%	Maximum CLTV Maximum 60%	Interest Rate 7.25%	Loan Amount $25,000-$500,000	Maximum Years to Pay 10 year draw/15 year repayment
Type of Ownership Owner Occupied 70%	Maximum CLTV Maximum 70%	Interest Rate 7.49%	Loan Amount $25,000-$500,000	Maximum Years to Pay 10 year draw/15 year repayment
Type of Ownership Owner Occupied 80%	Maximum CLTV Maximum 80%	Interest Rate 7.75%	Loan Amount $25,000-$500,000	Maximum Years to Pay 10 year draw/15 year repayment
Type of Ownership Owner Occupied 90%	Maximum CLTV Maximum 90%	Interest Rate 7.99%	Loan Amount $25,000-$250,000	Maximum Years to Pay 10 year draw/15 year repayment
Type of Ownership Non-Owner Occupied (Investment)	Maximum CLTV Maximum 60%	Interest Rate 9.75%	Loan Amount $25,000-$250,000	Maximum Years to Pay 10 year draw/15 year repayment

APR* (as low as)	Maximum Years to Repay**	Minimum Amount Financed
NEW vehicles: Any current year or previous year models with less than 10,000 miles. APR = Annual Percentage Rate. This rate is effective per the effective date indicated above for Auto Loan Rates. Lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account and automatic loan payments made from the same account. You may also receive a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant’s credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes both discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes both discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. *Rate And Term Dependent on Loan Amount. Maximum Loan amount financed – NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max).
APR* (as low as) 4.74%	Maximum Years to Repay** 3 Years*	Minimum Amount Financed $2,500
APR* (as low as) 5.24%	Maximum Years to Repay** 4 Years	Minimum Amount Financed $8,500
APR* (as low as) 5.49%	Maximum Years to Repay** 5 Years	Minimum Amount Financed $10,000
APR* (as low as) 5.74%	Maximum Years to Repay** 6 Years	Minimum Amount Financed $15,000
APR* (as low as) 6.24%	Maximum Years to Repay** 7 Years	Minimum Amount Financed $25,000

APR* (as low as)	Maximum Years to Repay**	Minimum Amount Financed
USED vehicles: Any vehicle that doesn’t match NEW vehicle requirements. APR = Annual Percentage Rate. This rate is effective per the effective date indicated above for Auto Loan Rates. Lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account and automatic loan payments made from the same account. You may also receive a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant’s credit rating and other underwriting factors. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes both discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes both discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. *Rate And Term Dependent on Loan Amount. Maximum Loan amount financed – NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max).
APR* (as low as) 4.99%	Maximum Years to Repay** 3 Years*	Minimum Amount Financed $2,500
APR* (as low as) 5.49%	Maximum Years to Repay** 4 Years	Minimum Amount Financed $8,500
APR* (as low as) 5.74%	Maximum Years to Repay** 5 Years	Minimum Amount Financed $10,000
APR* (as low as) 6.24%	Maximum Years to Repay** 6 Years	Minimum Amount Financed $15,000
APR* (as low as) 6.74%	Maximum Years to Repay** 7 Years	Minimum Amount Financed $25,000

ADVANTAGE CHECKING	Fee or charge
*Additional surcharges may be assessed by ATM Operators.
ADVANTAGE CHECKING Monthly Service Charge With Daily Minimum Balance Requirement ($1,000 in Checking or an aggregate daily balance of $4,000 among all credit union accounts)	Fee or charge $0
ADVANTAGE CHECKING Monthly Service Charge Without Daily Minimum Balance Requirement (if daily balance drops below $1,000 in Checking or below $4,000 aggregate among all credit union accounts)	Fee or charge $8.00
ADVANTAGE CHECKING Per-Check charges	Fee or charge None
ADVANTAGE CHECKING Dividend Bearing (Balance required to earn Dividends)	Fee or charge $0.00
ADVANTAGE CHECKING eStatements, Bill Pay, and Mobile Deposits	Fee or charge Free
ADVANTAGE CHECKING Transactions at First Entertainment and more than 30,000 CO-OP Network ATMs (locations nationwide, including 7-Eleven^{^®} and select Costco^{^®} stores)	Fee or charge Free
ADVANTAGE CHECKING 6 Free Out-of-Network ATM Withdrawals (each thereafter)*	Fee or charge $2.00

YOUTH CHECKING	Fee or charge
*Additional surcharges may be assessed by ATM Operators.
YOUTH CHECKING Monthly Service Charge	Fee or charge $0
YOUTH CHECKING Per-Check charges	Fee or charge None
YOUTH CHECKING Dividend bearing	Fee or charge None
YOUTH CHECKING eStatements, Bill Pay, and Mobile Deposits	Fee or charge Free
YOUTH CHECKING Transactions at nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven^{^®} and select Costco^{^®} stores)	Fee or charge Free
YOUTH CHECKING Out-of-Network ATM Withdrawals (each)*	Fee or charge $2.00