1 The $100 Checking with Direct Deposit offer is valid beginning 8/15/26 and is subject to change. Offer requires a new direct deposit of your net paycheck ($550 or more) into your OU Credit Union checking account. Allow 4 weeks after your first direct deposit of $100 to be deposited. Account must be in good standing. Not valid for funds already on deposit with OU Credit Union. Offers cannot be combined. Bonus may be taxable and reported on an IRS Form. Annual percentage yield (APY) rates vary. APY on the Money Market Checking is 1.00% for Tier 1 with a minimum balance of $2,000, 1.00% for Tier 2 with a minimum balance of $10,000, 1.35% for Tier 3 with minimum balance of $50,000, and 1.70% for Tier 4 with minimum balance of $100,000. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. Rates for accounts are variable and may change after account opening. To see current rate, visit oucreditunion.org/rates/checking_and_savings.

2 The OU Golden Workday Upgrade Sweepstakes begins at 12:00 a.m. EST 8/15/26 and ends at 11:59 p.m. EST 10/31/26. Entrants must be employed by and receive a paycheck from Oakland University to be eligible. To enter, eligible entrants must sign up for a new OU Credit Union account within the Promotion Period. Only one entry per participant will be accepted. The Golden Workday Upgrade gift package will be given to one winner. The prize is a Golden Workday Upgrade gift pack that includes, Apple AirPods Max 2, Ember Smart Mug 2, YETI Soft Cooler Lunch Box, and a $100 DoorDash Gift Card, which is valued at $843. Chances of winning are based on the number of entries received. Winner(s) will be randomly selected within 10 business days of 10/31/26 by the OU Credit Union Marketing Department, whose decision is final. Winner's account must be in good standing. Winner will be notified by email or phone and has 5 business days to respond. Failure to respond within 5 business days will result in the selection of a new winner. Winner must sign a release and consent form to receive prize. New member must be employed by Oakland University and have not had an account with the credit union within the last 12 months. No purchase necessary to enter, nor will a purchase improve chance of winning. You may also enter by sending a 3x5 card with sweepstakes name and your name, address, phone number, and email address to: OU Credit Union, ATTN: Marketing Dept, The Golden Workday Upgrade, 3777 West Road, East Lansing, MI 48826. A winners list will be available at oucreditunion.org/winners. For full promotion details and our contact information, visit oucreditunion.org/goldenworkday.

3 You will receive $100 once you spend $5,000 on net purchases within the first 90 days after OU Credit Union Visa Signature Card approval. Purchases must post to your account within the first 90 days. Once you qualify for this bonus, we will apply it to your Visa Signature card cash back account within 45 days. Qualifying purchases exclude tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Returns or other reversals of purchases conducted within the first three months will be excluded. Account must be in good standing to receive $100. Account is not in good standing if closed or suspended. If the account is closed by either you or by the Credit Union for any reason prior to the $100 bonus being credited to your card, the bonus will be considered to have been forfeited. This one-time $100 offer is valid for new, first-time OU Credit Union Visa Signature cardholders only. This offer may be canceled at any time without notice.

4 APR is annual percentage rate, and is stated for qualified members having high credit scores. Actual rates may be higher and will be determined by member's credit score.

5 Visa Signature cardholders will earn the following cash back rewards: 3% on groceries; 2% on gas, travel (airlines, hotels, motels, resorts, taxi/limo, and car rental) and universities; and 1% on all other purchases for every one U.S. dollar in eligible net purchases made on their Visa Signature Credit Cards, rounded to the nearest whole dollar. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to amount returned. Negative cash back will be given if returns or credits exceed purchases. Certain restrictions, limitations, and exclusions apply. Visa Signature Credit Card has a $10,000 minimum limit. Visit oucreditunion.org/visa for full terms and conditions. Please visit oucreditunion.org/signature for full details.

6 Annual percentage yield (APY) rates vary. Deposits can be made by payroll deductions or automatic transfer with the exception of initial deposit. Withdrawals can only be made during the months of May, June, July, and August. Funds will be transferred automatically to your MSUFCU checking or savings account.