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New Member Student Bonus Disclosure

*$100 bonus offer available for current students at Maryland colleges or universities who become new SECU members and open checking between 7/15/26 – 12/31/26. Visit secumd.org/membership for membership requirements.

To qualify: 1) Open a Share Savings and SECU Total™ Checking & Rewards account during the promotional period. 2) Enter promo code STUDENT100 during online application or provide during in-branch application. 3) Within 60 days of opening checking: Set up e-statements and enroll in online and mobile banking. Existing members are not eligible for this offer. Members or former members who had a checking account in the last 24 months are not eligible for this offer. If you received a bonus for a SECU checking promo in the last 24 months, you are not eligible for this offer. Membership eligibility is required. Checking accounts are subject to terms and product approvals.

The minimum balance to open a share savings is $10. The minimum balance to open a SECU Total™ Checking & Rewards checking account is $25. All criteria must be met within 60 days of opening checking. Accounts opened without the promo code STUDENT100 will not be eligible for the offer. SECU will credit one cash bonus of $100 to the primary owner of the new SECU checking account and $10 into the Share Savings account within 30 days of meeting the requirements. Membership and accounts must be in good standing and actively enrolled in mobile and online banking to receive the bonus. Promotional period and offer are subject to change at any time without notice. The promotional bonus is limited to one per member. Advertised bonus cannot be combined with any other offer. Bonuses are considered miscellaneous income and may be reported as income to the IRS on Form 1099-MISC. Any applicable taxes are the responsibility of the member. SECU’s determination of offer eligibility is final.

APY = Annual Percentage Yield. APYs current as of 11/01/22. Rates subject to change at any time. Fees may reduce earnings on the account.

Share savings receive 0.10% APY.

APY for SECU Total™ Checking & Rewards is calculated based on average daily balance and will be a blended rate.

Platinum: For this level, balances less than $3,500 receive 0.10% APY. Balances between $3,500 and $19,999.99 receive an APY of 0.10% – 0.15%. Balances over $20,000 and $74,999.99 receive an APY of 0.10% – 0.50%. Balances over $75,000 receive APY of .10% – 2.00%.

Gold: For this level, balances less than $20,000 receive an APY of 0.10%. Balances over $20,000 receive an APY of 0.10% – 0.15%.

Silver: For this level, all balances receive an APY of 0.10%.

Bronze: For this level, the portion of your balance above $1,000 receives an APY of 0.05%.

Blended rate example: For example: If you are in the Platinum level and have a balance of $100,000, you will receive APY of 0.10% on the first $3,499.99, APY of 0.15% on the portion of your balance between $3,500 and $19,999.99, APY of 0.50% on the portion of your balance between $20,000 and $74,999.99 and receive APY of 2.00% on the portion of your balance above $75,000. This would result in a blended APY of 0.81%, if you maintain the $100,000 for the entire month.

Federally insured by NCUA.

Perks may change without notice based on partner participation. Discount(s) are applied prior to payment. Members should ensure appropriate perks have been applied. Perks require showing the merchant your Bobcat debit card. SECU is not responsible if discount is not applied. A SECU Total™ Checking & Rewards checking account is required for a Bobcat debit card to be issued. SECU membership required. Checking accounts are subject to terms and product approvals.

**10% off any FSU-branded merchandise at The University Store: Discount available to Bobcat debit card cardholders at the campus store. Note: Discount does not apply to any sale items or already reduced merchandise. To receive the discount member must show their Bobcat debit card prior to final payment. Available in store only.