SAVINGS DISCLOSURES

_{*Annual Percentage Yield (APY) is accurate as of Monday, November 2, 2026. All rates are subject to change at any time. Federally insured up to $250,000 by the NCUA.}

_{CERTIFICATES OF DEPOSIT (CDS)
The annual percentage yield (APY) is available for as long as you maintain the required minimum daily balance. New Money only for 6-month CD. Penalties for early withdrawal may apply. Fees may reduce account earnings. All fees are disclosed, in full, at the time of application. CD will automatically renew at maturity to the same term at the non-promotional interest rate and APY in effect at the time of renewal unless we notify you otherwise. After the 6-month promotional term is up, the CD will roll into the 6-month term. After the 12-month promotional term is up, the CD will roll into the 12-month term.}

_{IRAS
New Money to First Atlantic Federal Credit Union only. Consult your tax advisor to determine what type of IRA is right for you. Uncle Sam may have annual IRA contributions limits for deposits and IRA tax laws may have early withdrawal tax and/or penalties for withdrawals.}

_{MONEY MARKET ACCOUNT
The minimum balance required to open this account is $25,000.00. You must maintain a minimum daily balance of $25,000.00 in your account each day to obtain the disclosed annual percentage yield. Tiered rates and annual percentage yields are subject to daily balances. Maintain a balance of $1,000 - $9,999.99 for 2.00% APY, $10,000 - $24,999.99 for 2.75% APY, and $25,000 and above for 3.50% APY. Fees could reduce the earnings on the account.}

_{MEGA MONEY MARKET ACCOUNT
This offer is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union. Transfers from existing First Atlantic accounts do not qualify. A minimum deposit of $25,000 is required to open this account and earn the 3.50% APY. To earn the stated APY, you must maintain the minimum daily balance in your account each day. Interest is calculated daily and credited monthly. Fees could reduce the earnings on this account. The interest rates and annual percentage yields may change at any time. 
Tier 1: If your daily balance is $1,000.00 or more, the interest rate paid on the entire balance in your account will be 1.99% with an annual percentage yield (APY) of 2.00%.
Tier 2: If your daily balance is $10,000.00 or more, but less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be 2.72% with an annual percentage yield (APY) of 2.75%. 
Tier 3: If your daily balance is $25,000.00 or more, but less than or equal to $49,999.99, the interest rate paid on the entire balance in your account will be 3.45% with an annual percentage yield (APY) of 3.50%. 
Tier 4: If your daily balance is $50,000.00 or more, but less than or equal to $99,999.99, the interest rate paid on the entire balance in your account will be 3.54% with an annual percentage yield (APY) of 3.60%. 
Tier 5: If your daily balance is $100,000.00 or more, the interest rate paid on the entire balance in your account will be 3.54% with an annual percentage yield (APY) of 3.60%.}  

_{MAGNUM MONEY MARKET ACCOUNT
This offer is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union. Transfers from existing First Atlantic accounts do not qualify. A minimum deposit of $100,000 is required to open this account and earn the 3.75% APY. To earn the stated APY, you must maintain the minimum daily balance in your account each day. Interest is calculated daily and credited monthly. Fees could reduce the earnings on this account. The interest rates and annual percentage yields may change at any time. 
Tier 1: If your daily balance is $1,000.00 or more, the interest rate paid on the entire balance in your account will be 1.99% with an annual percentage yield (APY) of 2.00%.
Tier 2: If your daily balance is $10,000.00 or more, but less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be 2.72% with an annual percentage yield (APY) of 2.75%. 
Tier 3: If your daily balance is $25,000.00 or more, but less than or equal to $49,999.99, the interest rate paid on the entire balance in your account will be 3.45% with an annual percentage yield (APY) of 3.50%. 
Tier 4: If your daily balance is $50,000.00 or more, but less than or equal to $99,999.99, the interest rate paid on the entire balance in your account will be 3.54% with an annual percentage yield (APY) of 3.60%.  
Tier 5: If your daily balance is $100,000.00 or more, the interest rate paid on the entire balance in your account will be 3.69% with an annual percentage yield (APY) of 3.75%.}  
 

LOAN DISCLOSURES

_{*Annual Percentage Rate (APR) is accurate as of Monday, November 2, 2026. All rates are subject to change at any time. Contact us for complete details, terms, conditions, and eligibility requirements. Equal Opportunity Lender.} 

_{HOME EQUITY LINE OF CREDIT 
¹Get 4.99% APR for six (6) months with a minimum line amount of $30,000 and an LTV max of 80%. Maximum loan amount of $500,000. Must maintain an average outstanding balance of $10,000 per month. The promotional rate is for new loans only and is subject to creditworthiness. Additional conditions may apply. After the 6-month promotional period ends, the rate will revert to the prevailing APR. APR is based on The Wall Street Journal Prime Rate ("Prime") published on the 25th day of the previous month. The interest rate will not go below Prime, currently at 7.00% APR, and not above 18.00% APR. Eligible properties include owner-occupied 1-to 4-family properties, condominiums, and 2nd/vacation homes. Ineligible properties include, but are not limited, to an investment property (defined as non-owner-occupied property), a co-op, a mobile home, or manufactured housing. Home equity lines of credit are available in first or second-lien positions. Not available for homes currently for sale. Property insurance is required. Flood insurance may be required.} 

_{7-YEAR HOME EQUITY LOAN
Available for new money, first-lien position only, with a minimum loan amount of $20,000 and max loan amount of $250,000. Loan amounts exceeding $250,000 may require an appraisal, and a higher APR may apply. Rates may vary based on creditworthiness, loan-to-value ratio, property type, and other underwriting criteria. 
²A $350 processing fee is waived at closing; if the loan is paid in full within 24 months, the waived fee will be added to the payoff amount. Contact us for complete details, terms, conditions, and eligibility requirements.}

_{13-YEAR HOME EQUITY LOAN
¹Available for first-lien position only. APRs reflect no closing costs for home equity loans up to $250,000.00. Higher loan amounts are available but will include appraisal fees based on the value of the home, and a higher APR will apply. Rates may vary based on creditworthiness, property type, and other factors. 
²A $350 processing fee is waived at closing; if the loan is paid in full within 24 months, the waived fee will be added to the payoff amount. Contact us for complete details, terms, conditions, and eligibility requirements.}