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DISCLOSURES

1.  Annual Percentage Yield (APY) is accurate as of 10/01/2026. Limited time offer subject to change at any time without notice. See share certificate agreement for current rates, terms and requirements. Minimum balance to open share certificate varies per certificate with a maximum of $5,000,000. After maturity, if you choose to roll over your CD, you will earn dividends according to the CD agreement or at the then current APY as stated on flcu.org at that time. A penalty may be imposed for early withdrawals which may reduce earnings. Fees may reduce earnings.

2. Subject to credit approval. APR = Annual Percentage Rate. This is a special and limited time offer that can be discontinued anytime based on market conditions. Your rate may be higher based on your creditworthiness and property valuation. An adjustable-rate mortgage loan (ARM) with a fixed interest rate for the first 5 years. Afterward, the 5/1 ARM switches to an adjustable interest rate for the remainder of its term. The rate adjusts based on the Secured Overnight Financing Rate (SOFR) published by the Federal Reserve. Special rate for in-house portfolio loan only. 5/1 Year ARM with no points and an estimated $4,000 closing cost monthly payment example: The payment on a $250,000 loan would be $1,580.17 per month at an adjustable interest rate of 6.50% and a 6.66% APR with a 360-month term. ARM rates subject to increase during the loan term. This payment and rate would be in effect for the first five years with annual adjustments thereafter according to the disclosure above. Rate quoted as of 10/14/2026. Down payment requirements and interest rate are based on borrower’s creditworthiness.

3. Existing FCU vehicle loans are not eligible for refinancing. Rebate based upon total loan amount. Cash back bonus is considered interest and will be reported on IRS form 1099-INT.

4. Offer can be canceled at any time. Free membership is open to anyone within Florida Credit Union’s 48 county field of membership. Anyone who has held a checking account with FCU in the past 24 months will not qualify for the incentive. Must be 18 years old or older to qualify. One bonus per household. Credit approval and initial $5 open deposit required. $500 cumulative direct deposit amount must be made to this account within the first 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or, government benefit (such as SSI) from your employer or the government. Person-to-person payments (such as Cash App, Venmo, or PayPal) are not considered a direct deposit. If the requirements are met and the account remains open and in good standing for 90 days, the $300 will be credited to account. $300 is considered interest and will be reported on IRS form 1099-INT.