Forest Area Federal Credit Union

The Promotion begins at 12AM EDT on 9/1/2026 and ends at 11:59 PM EDT on 10/31/2026 (the "Promotion Period"). Who May Participate The referring member must be at least 18 years of age, and an existing FAFCU member in good standing when the referral is submitted and when the referral reward is paid. The referred person must be at least 18 years or older, eligible for FAFCU membership, and must not have been an FAFCU member during the six months immediately preceding the referral. *The field of membership shall be limited to having the following common bond: Persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in the following counties: Alcona, Alpena, Antrim, Arenac, Benzie, Charlevoix, Cheboygan, Chippewa, Clare, Crawford, Emmet, Gladwin, Grand Traverse, Iosco, Kalkaska, Lake, Leelanau, Mackinac, Manistee, Mason, Missaukee, Montmorency, Ogemaw, Osceola, Oscoda, Otsego, Presque Isle, Roscommon, or Wexford Counties, Michigan. How a Referral Is Credited The referral must be submitted through an approved FAFCU referral card or online referral form before or at the time the referred person opens the new membership. A referral cannot be added after account opening. Maximum aggregate new member reward limit: $300. The reward structure: Participant Requirement Reward Referring member Qualified referral $50 New member New member w/ Regular Share acct $50 New member Opens Superior Checking account $50 New member Completes additional qualification $200 + promotional APY Existing members may earn $50 for each qualifying referral, with no stated referral cap, subject to these Terms. A $10 minimum opening deposit and $10 minimum balance are required to establish and maintain membership. Superior Checking Account. No minimum opening deposit is required. To earn the additional $200 reward, the new member must achieve Qualified Dividend Status for at least one qualifying monthly cycle during the first 60 days after the Superior Checking Account is opened. Qualified Dividend Status: To qualify, members must complete ALL of the following requirements. Complete at least 10 debit card transactions Sign on to online banking at least 4 times Have a direct deposit of at least $100 Be enrolled in e-statements Annual Percentage Yield and Minimum-Balance Disclosures Regular Share Account: $10 minimum opening deposit and balance. Superior Checking Account: 5.12% APY*, (or) 8% PROMOTIONAL APY* during promotional dates of 9/1/2026-12/31/2026, no minimum opening deposit, $15,000 maximum balance to earn dividends. Dividends paid out monthly. APYs are variable and may change after account opening. Fees may reduce earnings. The applicable FAFCU accounts and memberships must remain open and in good standing through the reward payment date. Promotion Participants must be natural persons with whom the member has at least a passing acquaintance. Right to Cancel, Modify or Terminate Promotion rewards cannot be combined with any other account opening offer.