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**Must present this email to your BCU Representative at time of application to qualify for the $500 off closing costs. Offer is valid on mortgage Purchase or Refinance mortgages only. Excludes home equity loans and lines of credit. Applications must be submitted and approved by 3/31/21 and closed within 90 days following the application submission to receive $500 of at closing.

¹Offer available only to GEICO associates and GEICO associate families. Upon approval and funding of the loan, you will receive a cash rebate of $350.00. A minimum loan amount of $10,000 is required to receive a cash rebate. Current BCU loans or GFCU loans are not eligible. May not be combined with any other vehicle cash promotional offers. The total loan amount may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance, and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a deposit to your Credit Union savings account within 3 business days from the funding date of the loan. Offer expires 3/31/2021.

²APR is Annual Percentage Rate. Published rates are accurate as of 3/1/2021, and subject to change. The rate listed includes an additional 0.75% 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. Rate applies to 2021 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 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 2.14% and a term of 75 months would have a monthly payment of $357.04.

³Offer only available on new accounts opened on or after 8/17/2020. Rebates are automatically earned by making eligible purchases with your Cash Rewards Visa card. Each eligible purchase made by you, or someone you authorize, will earn a cash rebate of 5% on net purchases (purchases less credits, returns and adjustments) that post to your account within 90 days of the account open date. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Offer expires 3/31/2021. Visa® is a registered trademark of Visa.

⁴You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments) that post to your account after 90 days of account opening. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

⁵HomeAdvantage® program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services 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. CU Realty Services 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: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, MA, MD, MI, MN, MO, NC, NH, NM, NV, NY, OH, PA, TX, VA, WI, and WV. 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 CU Realty Services, LLC. HomeAdvantage® is a registered trademark of CU Realty Services, LLC.

⁶Combined cash reward savings calculated based on 561 home closings with a real estate agent in the HomeAdvantage network of approved agents between 1/1/2020-12/21/2020.

⁷To 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 1/1/2021. 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.

⁸Rainy Day Savings is a tiered, interest-bearing account based on qualifying activity and balance. To qualify for the stated APY, a monthly deposit must be made of at least $25, not to exceed $500. During the first calendar month only, a member may deposit up to $1,000. Deposit amounts exceeding the monthly maximum deposit will be transferred to the member’s Regular Savings account. Balances for the first 12 consecutive qualifying calendar months; beyond the first 12 months, but less than $25,000; and above $25,000 will earn different rates as posted. For months in which the minimum deposit requirement is not fulfilled, the Regular Savings rate will be paid. Rates accurate as of 1/1/2021. The dividend rate and annual percentage yield (APY) may change at any time. Two withdrawals are allowed per calendar year. Each additional withdrawal will result in a $25 excessive withdrawal fee which will reduce earnings. Rainy Day Savings is available as a personal account only and limited to one account per member. Rainy Day Savings™ is a trademark of BCU.

⁹APR is Annual Percentage Rate. Published rates are accurate as of 1/1/2021, and 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: Monthly direct deposit of at least $500 or more into a 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 Cards. 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. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 12.75% and a term of 60 months would have a monthly payment of $171.41.

¹⁰APR is Annual Percentage Rate. Published rates are accurate as of 1/1/2021, and subject to change. 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 -1.26% and +2.77% 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.

¹¹APR is Annual Percentage Rate. Published rates are accurate as of 1/1/2021, and subject to change. Fixed 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.