² 30-Day Closing on Mortgages: From the date Earthmover CU receives complete, signed loan application through date of closing, the mortgage process can take as little as 30 days for a home purchase and an average of 30 to 45 days for a mortgage refinance. The timelines quoted are contingent upon: (1) borrower providing all requested documents and information by the date(s) stipulated; (2) availability of appraiser to conduct on-site appraisal, if one is necessary; and, (3) available schedule of Earthmover CU loan processors and underwriters.

³ Home Equity Loan: APR = Annual Percentage Rate. APR as low as 6.75% based on loan amount of $50,000 for 60-month term with a monthly payment of $986.78. Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Loan amounts under $15,000 are subject to $150 closing costs. 650 minimum credit score for 180 months terms. Minimum loan amount is $5,000. Subject property must be primary residence. Appraisal cost due up front and credited back to member at closing. Appraisal cost is non-refundable if the loan is declined due to insufficient equity for the amount requested or canceled on or prior to the funding date of the loan.

⁴ Earn 1.5x Points: Applies to Earthmover Credit Union Visa Curva cardholders only. Credit union membership required. Cardholders earn 1.5 points per $1.00 spent on qualifying purchases. Points are earned through the uChoose Rewards® program. Certain restrictions and terms apply. See uchooserewards.com or your credit card agreement for complete details. Offer subject to change without notice.

⁵ Personal Loans: APR = Annual Percentage Rate. Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Estimated monthly payment example = $89.00 per $1,000 (payment example is based on 10.74% APR and a term of 12 months).

⁶ Velocity Checking / Earn 2.50% APR: 2.50% APY: APY = Annual Percentage Yield. Earthmover Credit Union membership required. In order to qualify for 2.50% APY on account balance, members must maintain a minimum account balance of $0.01, must be enrolled and active in Earthmover's Online Banking, be enrolled in paperless statements (eStatements) or be 65 years of age or older, have an active Earthmover Visa Credit Card and complete at least one (1) transaction OR make a minimum of 15 Visa debit card transactions per month with a $10.00 minimum per transaction amount (does not include ATM withdrawal), and have a total direct deposit amount of at least $500.00 in savings and/or checking. Direct deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g. IRS tax refunds), do not constitute direct deposit activity. 2.50% APY is only valid up to $5,000.00. Any balance greater than $5,000.00 will be paid at the stated dividend rate and APY for that tier. Dividends earned will be posted to the account on the second business day of the month following the dividend period. Offer and rate is subject to change without notice. See an Earthmover Credit Union team member for more details.

⁷ Certificates / Earn 4.00% APY: Credit union membership is required. APY = Annual Percentage Yield and is accurate as of October 10, 2026. This is a limited time offer and may be withdrawn at any time. The dividend period begins on the first day of the term and ends on the maturity date. For all certificate accounts, after your certificate account is opened, you may make withdrawals subject to the early withdrawal penalties as outlined in the Truth-in-Savings (TIS) Disclosure. Withdrawals of dividends are not subject to penalty. The frequency with which interest will be compounded and credited is monthly. The "month" begins on the first calendar day of the month and ends on the last calendar day of the month. Minimum balance and other fees may apply. Please refer to our separate Schedule of Fees and Charges and Truth-in-Savings (TIS) disclosure for additional account details.

⁸ Member Referral: To qualify for the referral bonus, the member making the referral must use the online referral form. The referred person must open a membership with Earthmover Credit Union with a share savings account and open at least one additional account within 30 days of the referral date. The referred new member's accounts must remain open for at least 365 days. Bonuses will be awarded via deposit to share savings accounts up to 45-60 days after all criteria have been met and verified. In the event more than one member refers the same individual, Earthmover Credit Union will award the bonus to the first member making the referral. Referred member must be new to Earthmover Credit Union. There is no limit to the number of referrals a member may submit. You must qualify for and establish membership at Earthmover Credit Union and be of legal contract age to apply. All accounts are subject to our normal approval process. Members and accounts must be in good standing and accounts must have recent account activity such as debit transactions, credit card transactions, direct deposit, etc. to receive bonuses. Earthmover Credit Union rules and regulations apply. Members who have closed the Earthmover Credit Union membership within three months prior to being referred are not eligible. Fees can reduce earnings on the account. This offer is non-transferable and may be canceled without prior notice. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. Local non-profit donation will be paid once all criteria has been met and verified. Earthmover Credit Union reserves the right to terminate the program at any time, revise program terms or refuse bonuses upon our discretion. Ask us for details. Cash incentive will be reported on IRS form 1099-INT.