Loan Specials

Spring Savings Auto Loan Special

• Get up to $200 in Extra Cash¹²
  Use code SPRINGAUTO26 when applying.
• Receive your cash bonus within 48 Hours of loan closing²
• Rates as Low as 5.59% APR¹²
• NO Payments for first 90 DAYS³

Available on Auto Purchase Loans and Auto Loan Refinances from other financial institutions only. See full details in disclosure below.

OFFER ENDS MARCH 20th, 2026!

Disclosures:

1. APR = Annual Percentage Rate. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. A new hard inquiry credit report pulled by US Community Credit Union is required. All loans subject to approval. 2. ffer expires March 20, 2026. Excludes all loans currently financed with US Community Credit Union and all USCCU loans made through indirect lending at dealerships. Offer valid on auto loan refinances from other financial institutions and new or used auto loans financed directly with US Community Credit Union. All auto loans with a balance of $20,000 and over will receive $200 cash and all auto loans with a balance of $10,000 to $19,999.99 will receive $100 cash upon loan closing when entering promotional code SPRINGAUTO26 during application. Special cash o er will be deposited into qualifying member’s account within 48 hours of loan closing, barring extenuating circumstances. Cannot be combined with another offer. Rates current as of 3-1-2026. 3. Interest begins accruing upon disbursement of loan. Deferred payment option available upon request. FEDERALLY INSURED BY NCUA

Spring Savings HELOC Special

Tap into your home’s value with a HELOC and enjoy great rates and more possibilities!

• Up to $500 Towards Closing Costs excluding appraisal fee*
• Introductory Rate of 4.99% APR* for First 12 Months
• No Annual Fee
• Interest may be Tax Deductible**

OFFER ENDS MARCH 31st, 2026!

Disclosures:

*APR=Annual Percentage Rate. Introductory APR for well qualified borrowers at a maximum Loan to Value ratio (“LTV”) of 90% depending on borrower’s loan scenario. Introductory Home Equity Line of Credit (HELOC) rate of 4.99% APR for the first twelve (12) months. After twelve month introductory period, APR will default to qualifying rate as determined and disclosed at the time of the loan closing. As of 3/1/2026, qualifying interest rates are as low as 5.75% APR with a product floor rate of 4.00% APR and the maximum is 18.00% APR. Rates are based on the Prime Rate published in the Wall Street Journal Money plus a margin. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. Home value is based on US Community Credit Union verified source such as an appraisal, which may be required. Borrower pays appraisal fee. Property insurance will be required, including flood insurance if applicable. To qualify, $35,000 new money must be included in loan request. Must have a credit score of 620 or higher at the time of your application. Early loan termination fees may apply. Home Equity products available in Tennessee only. Limited time o ers subject to credit approval. Offers subject to change or may expire without notice. Application for HELOC promotion must be submitted by 3/31/2026. All loans are subject to credit approval. Closing costs are estimated to range between $500.00 and $1,000.00 (or more depending on the loan amount). US Community Credit Union will pay up to $500 toward closing costs for HELOCs $35,000 and higher (new money), excluding the appraisal fee. Appraisal fee not part of closing costs. Membership required. Terms and conditions may apply. Contact the credit union for any questions regarding promotion. ** Contact a tax advisor concerning tax-deductibility FEDERALLY INSURED BY NCUA. EQUAL HOUSING LENDER. NMLS: 363210