Winter Haven - South

1. Offer valid as of September 8, 2026, and may be canceled at any time. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for details regarding fees and terms. Freedom Banking, fiduciary and minor accounts and secondary checking accounts excluded. Other terms and conditions apply. To qualify for the $400 incentive, you must open a new Free Checking account with direct deposit ($4,000 cumulative which must post within 75 days of account opening); accept and open Online Banking, eStatement, and a debit card; and complete 40 debit card purchase transactions which must post within 75 days of account opening. To qualify for the $200 incentive, you must open a new Free Checking account with direct deposit ($2,000 cumulative which must post within 75 days of account opening); accept and open online banking, eStatement, and a debit card; and complete 20 debit card purchase transactions which must post within 75 days of account opening. Direct deposit must be an automated clearing house (ACH) credit of your paycheck, pension or government benefits from your employer or the government; tax refunds, cash transfer app deposits and transfers from another MIDFLORIDA account do not qualify. No dividends are paid on Free Checking. Annual Percentage Yield is 0.00%. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. Account must remain open and unrestricted at least 90 days to qualify for the incentive. After all qualifications have been met, the incentive will be deposited to the new Free Checking account within 90 days of account opening and will be reported to the IRS. Minimum to open Free Checking is $50.

2. High Yield Savings: Offer and rate valid as of September 8, 2026, and may be canceled at any time without notice. Membership and eligibility requirements apply. No institutional funds. Fees may reduce earnings. Minimum to open is $25,000. Not available for commercial accounts. This is a tiered product. 3.00% Annual Percentage Yield (APY) currently applies to all tiers regardless of balance. Rates may change after the account is opened, without notice. APY shown is accurate as of September 8, 2026. Contact employees for further information on fees and terms.

3. 60-Month Certificate of Deposit Special: Offer and rate valid as of September 8, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. Minimum to open $1,000. The initial deposit cannot exceed $5 million per member or $10 million per address. 4.00% APY (Annual Percentage Yield) is based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

4. Personal Loan Offer: Valid as of September 8, 2026, and may be canceled at any time without notice. Credit and eligibility requirements apply. Payment example: a 72-month fixed-rate loan for $20,000 at 10.99% and an Annual Percentage Rate (APR) of 11.221% would have a monthly payment of $380.56, which includes principal and interest.

5. Home Equity Offer: Offer valid as of September 8, 2026, and may be canceled without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. Approval subject to application, eligibility, credit and acceptable property (must be your primary residence, manufactured homes excluded; acceptable appraisal and title required; condos or townhouses eligible only if loan pays off all other mortgages and liens). Property insurance required. Flood insurance when required. Online appraisal typically used to determine home value. Not available for refinance or consolidation of existing MIDFLORIDA loans. Loan amounts from $10,000 to $500,000. Not all homes will qualify to be mortgaged for more than their original purchase price. Other terms and conditions apply. See your loan officer for details. Home Equity Loan payment example: A 15-year fixed rate loan for $100,000 at 80% CLTV at 6.99% and an Annual Percentage Rate (APR) of 7.004% would have a monthly payment of $898.48, which includes principal and interest. Payment example does not include taxes and insurance premiums; the actual payment obligation will be greater. Borrow up to 100% applies only to closed-end loans.