Offers and Promotions

1 The Grizzly State of Mind Sweepstakes begins at 12:01 A.M. ET 5/1/26 and ends at 11:59 P.M.ET 5/31/26. To enter, submit an MSU photo taken by you at oucreditunion.org/Grizzlystateofmind. Only one entry per participant will be accepted. Prize is one gift card to 423 Main Bar Grill & Rooftop, which is valued at $200. Chances of winning are based on the number of entries received. The winner will be randomly selected by 6/8/26. by OU Credit Union, whose decision is final. Winners 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. The Credit Union provides no warranty relative to prize. Prize may not be substituted or transferred except at the discretion of the Credit Union. Winner is responsible for applicable taxes and costs related to use of prize. Employees, Board members, and Supervisory Committee members of the Credit Union and affiliated CUSOs, and any promotion sponsors, are not eligible. No purchase necessary to enter, nor will a purchase improve chance of winning. You may also enter by sending a 3-inch x 5-inch card with your printed photo and sweepstakes name and your name, address, phone number, and email address to: OU Credit Union, ATTN: OU Credit Union Grizzly State of Mind Sweepstakes, 3777 West Rd., East Lansing, MI 48826. A winners list will be available at https://oucreditunion.org/winners . For full promotion details, visit http://oucreditunion.org/specialoffers/grizzlystateofmind .

2 The $100 Checking with Direct Deposit offer is valid beginning 5/1/26 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 for $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 as of 5/1/26, 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. A fee may be charged for early withdrawal of a fixed-term Certificate or IRA. Rates for accounts are variable and may change after account opening. To see current rate, visit https://www.oucreditunion.org/rates/checking_and_savings .

3 Offer valid 05/01/2026-05/31/2026. Annual Percentage Yield (APY) effective 05/1/26. Rate subject to change at any time. 4.00% APY valid only during promotion period for 4-year Certificates. Minimum certificate opening balance is $500. Funds cannot be currently on deposit with OU Credit Union. Certificate rate is fixed for the term of the Certificate at the time it is opened. Earnings assume funds remain on deposit for the term of the Certificate and are compounded monthly. An early withdrawal could reduce your initial investment, and penalty applies if funds are withdrawn prior to maturity. Early withdrawal penalties will not be charged for withdrawal due to disability or after death of Certificate owner.

4 Offer valid 5/1/26-5/31/26. Members who do not currently have an Insured Money Management Account (IMMA) and open an IMMA with a minimum deposit of $14,000 and maintain an IMMA balance of at least $14,000 for 30 consecutive days will receive a $100 bonus. The $100 bonus will be deposited into the members Grizzly Saver within 45 days of the promotion end date. Funds cannot be currently on deposit at OU Credit Union. IMMA must be opened and funded by 5/31/26. Offers cannot be combined. Not valid for business or youth accounts. Bonus may be taxable and reported on an IRS Form. Members who complete a qualifying May incentive activity will receive one entry into the Celebrate 400 sweepstakes drawing for a Polaris Ranger 500. No purchase necessary to enter the Celebrate 400 Sweepstakes, nor will purchase improve odds of winning. For full promotion details and official rules, visit Oucreditunion.org/Celebrate400. The Celebrate 400 Sweepstakes is live from 4/1/2026 through 7/31/2026. Offers cannot be combined with other promotions. Offer not valid for business or youth accounts. Bonus may be taxable and may be reported on IRS Form 1099-INT or 1099-MISC.