*To be eligible to join the Credit Union, an individual must submit a membership application in a Credit Union branch or online, in which they agree to conform to BCU’s bylaws and amendments and subscribe for at least one share ($1.00). The $1 in the Share-01 Regular Savings account required to open a membership will be deposited by the Credit Union on behalf of the member. The $1 balance must be maintained in the Share-01 Regular Savings account for the duration of the membership. A person seeking Credit Union membership must also meet at least one of the criteria found at www.BCU.org/Membership-Eligibility.

**Offer available to new HCA Credit Union members, existing HCA Credit Union members and their family members, who fund the certificate with new money. This offer is limited to new money that has not previously on deposit with BCU in the past 90 days. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. Rates, terms and conditions are subject credit approval and may change at any time without notice.

¹Average cash rewards calculated based on 495 home closings with a real estate agent in the HomeAdvantage^® network of approved agents between 1/1/2021 and 12/31/2021. HomeAdvantage^® program is made available to you through a relationship between BCU and HomeAdvantage^®. Program Cash Rewards are awarded by HomeAdvantage^® to buyers and sellers who select and use a real estate agent in the HomeAdvantage^® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage^® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage^® program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage^® at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage^® is a registered trademark of HomeAdvantage^®.

^1BTo be eligible for the corporate affinity pricing rate discount, you must be a current HCA Healthcare employee. You may need to provide proof of employment or affiliation. For first mortgage purchase and refinance transactions of a primary residence, the maximum corporate affinity pricing rate discount is 0.125% off current BCU published rates. Corporate affinity pricing rate discount and relationship pricing rate discount may be eligible to be combined. Corporate affinity pricing rate discount may not be combined with any Relocation Services program benefits, or any other home loan promotional offers. Certain mortgage types and/or terms may not be eligible for the stated rate discount. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

²APR is Annual Percentage Rate. Published rates are accurate as of 9/1/2023, and subject to change. Offer subject to credit approval. Rate applies to 2022 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 5.89% and a term of 75 months would have a monthly payment of $401.23.

³A credit report is required to complete your application. By submitting an application, you are voluntarily agreeing to a credit report inquiry. If you opt out of having your credit report pulled, your application will be withdrawn and your request for credit will not be reviewed.

^4ALoans are subject to approval. Rates, terms and conditions are subject to change without notice. Variable Rate is based on the Prime Rate as published in The Wall Street Journal “Market Data Center” Section (Index). Your rate will be calculated each quarter by adding a margin between -1.51% and +2.42% to the Prime Rate and is based on your credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

^4BFixed Rate will be set when the loan is conditionally approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner’s, if applicable) credit history and the repayment term you select. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

^4CTo qualify, the loan application must be started after 12/8/21 and before 9/30/22. Upon disbursement of the loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The repayment term of the loan will begin three months after disbursement, when the promotional period ends. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.

^5ATo earn monthly dividends and unlimited reimbursements of other banks’ ATM surcharge fees, your account must meet these two monthly requirements: Monthly direct deposits totaling at least $500 into your PowerPlus™ Checking account and completion of at least fifteen (15) transactions that include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees. Rates accurate as of 8/1/2023. The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. PowerPlus™ Checking is available as a personal account only and is limited to one account per member. If you do not have sufficient available funds in your checking account to clear a presented item, funds may automatically transfer from your savings or money market share and may count towards withdrawal limitations for that savings or money market share (Electronic funds transfers from savings and money market shares, which include overdraft transfers are limited to six per month. Each electronic funds transfer in excess of six per month is subject to a $3 excessive withdrawal fee. See Service Charges and Fees Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.

^5BEnhanced Direct Deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on Enhanced Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.

⁶APR is Annual Percentage Rate. APR is subject to change. The rate listed assumes an automatic payment method, a loan term up to 36 months and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500.00 or more into a credit union checking account; at least $25,000.00 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a posted transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit verification and approval. The rate shown is the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500.00 with an APR for 8.99% and a term of 60 months would have a monthly payment of $172.14.

⁷Offer only available on new accounts, open on or after 4/1/22. You will receive 35,000 CURewards bonus points upon making purchases totaling at least $1,500 (exclusive of credits, returns and adjustments) that post to your account within 90 days of your account open date. Account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to your rewards balance.