1. Advantage Save $100 Bonus Disclosure

To qualify for the $100 bonus, the Advantage Save account must be opened between 4.14.2026 and 5.31.2026 using Promo Code GET100. The account must be funded with at least $500 in new money and must maintain a minimum balance of $500 for at least 30 consecutive calendar days and be enrolled in digital banking and eStatements. New money is defined as funds not currently on deposit with AgFed Credit Union. Existing Advantage Save account holders are not eligible. Upon verification that all requirements have been met, the bonus will be paid within 45 calendar days from account opening and deposited into the member's Advantage Save account. The bonus is considered a dividend and will be reported on IRS Form 1099-INT. Certain conditions or restrictions may apply. This is a limited-time offer and may be withdrawn at any time without notice.

2. Advantage Spend $100 Bonus Disclosure

To qualify for the $100 bonus, the Advantage Spend account must be opened between 4.14.2026 and 5.31.2026 using Promo Code GET100. Member must enroll in digital banking and eStatements and establish a recurring electronic deposit(s) totaling at least $1,500 within 30 calendar days from account opening. The recurring electronic deposit(s) must be active and verified by AgFed to qualify. Transactions that do not qualify as recurring electronic deposits include, but are not limited to, transfers between AgFed accounts, deposits from an internet payment service, for example, Zelle®, and ATM deposits. Existing Advantage Spend account holders are not eligible. Upon verification that all requirements have been met, the bonus will be paid within 45 calendar days of account opening and deposited into the member's Advantage Spend account. The bonus is considered a dividend and will be reported on IRS Form 1099-INT. Certain conditions or restrictions may apply. This is a limited-time offer and may be withdrawn at any time without notice.

3. Personal Loan 0.50% Rate Discount Disclosure

To qualify for the Personal Loan rate discount, your application must be submitted between 4.14.2026 and 5.31.2026 and the loan must be disbursed by 6.16.2026. Rate discount offer of 0.50% will be applied based on the applicant’s qualified rate. This is a limited-time offer. AgFed reserves the right to terminate or amend this offer at any time without notice. Certain restrictions and conditions may apply. All loans are subject to credit approval. Post-secondary school loans are not eligible. This offer may not be combined with other Personal Loan offers. Use promo code USDA50 when applying.

4. Auto Loan 0.50% Rate Discount Disclosure

To qualify for the Auto Loan rate discount, your application must be submitted between 4.14.2026 and 5.31.2026 and the loan must be disbursed by 6.16.2026. If refinancing, loan must be transferred from another financial institution. Rate discount offer of 0.50% will be applied based on the applicant's qualified rate. This is a limited-time offer. AgFed reserves the right to terminate or amend this offer at any time without notice. Certain restrictions and conditions may apply. This offer may not be combined with other Auto Loan offers. Use promo code USDA50 when applying.

5. Advantage Save APY and Account Disclosure

APY is Annual Percentage Yield. Advertised APYs are effective as of 4.9.2026 and are subject to change at any time. Dividends are compounded and credited monthly, based on the Average Daily Balance. Advantage Save accounts are tiered. The dividend rate is paid on the portion of the Average Daily Balance within each balance tier. This results in a blended yield on your balance.

The following eligibility requirements must be met to open and maintain an Advantage Save account:

• Currently enrolled in Digital Banking.
• Currently enrolled in eStatements.

Advantage Save will earn dividends as follows:

• 3.30% APY on the portion of the Average Daily Balance from $0.01 to $15,000.00
• 1.05% APY on the portion of the Average Daily Balance from $15,000.01 to $25,000.00
• 0.15% APY on the portion of the Average Daily Balance over $25,000.01

The monthly cycle is defined as the first calendar day of the month through the last calendar day of the month. If eligibility requirements are not met during the cycle, the account will earn a reduced dividend rate. As of 3.1.2026, the reduced rate is 0.02% APY and will apply to the entire balance. The reduced rate is set by the Credit Union and is subject to change at any time.

Fees may reduce earnings on the account. Overdraft and uncollected funds fees may apply. Refer to the Credit Union’s Fee Schedule for details.

There is no minimum balance required to open an account or to earn dividends. Limited to one Advantage Save account per Social Security number. Membership qualifications apply.

The initial deposit used to open an Advantage Save account and all subsequent deposits must be made with new money, meaning the funds must originate from sources outside of AgFed accounts. Internal transfers or funds already on deposit with the Credit Union do not qualify as new money.

Click here to view the Share Rate/Truth in Savings disclosure for more information.

6. Advantage Spend APY and Account Disclosure

APY is Annual Percentage Yield. Advertised APY of 2.50% is effective as of 4.9.2026 and is subject to change at any time. Dividends are compounded and credited monthly, based on the Average Daily Balance. Rates are set by the Credit Union and are subject to change at any time. Advantage Spend accounts are tiered. The dividend rate is paid on the portion of the Average Daily Balance within each balance tier.

The following qualifications must be met monthly to earn dividends:

• Currently enrolled in eStatements.
• Have a recurring aggregate electronic deposit of $1,500.00 or more to Advantage Checking. Transactions that do not qualify as recurring electronic deposits include, but are not limited to, transfers between AgFed accounts, deposits from an internet payment service, for example, Zelle®, and ATM deposits.

If qualifications are not met at the end of the cycle, no dividends will be paid. Qualification cycle resets on the first day of the calendar month. Overdraft/uncollected fees may apply. See the Credit Union's fee schedule for additional information.

Advantage Spend will earn 2.50% APY on Average Daily Balances up to $20,000.00. No dividends will be paid on Average Daily Balances of $20,000.01 and higher. The monthly qualification cycle is defined as the first calendar day of the month through the last calendar day of the month.

There is no minimum balance required to open. Limited to one account per membership. Membership qualifications apply.

Click here to view the complete Share Rate/Truth in Savings Disclosure.

7. Membership Eligibility

Membership eligibility is required. Membership approval is subject to verification and qualification criteria.