APY = Annual Percentage Yield.

Advertised Share Certificate:  The advertised share certificate APY is for a regular compounding 36 Month share certificate. The regular 36 month share certificate annual percentage yield (APY) is accurate as of February 1, 2020. The minimum balance required to open the regular 36 month share certificate and earn the disclosed APY is $1,000. Once a share certificate is opened, the dividend rate and APY will be in effect for the term of the account. Fees and other conditions could reduce earnings on the account. A penalty may be imposed for early withdrawal.

As of February 1, 2020 the 36 month share certificate Annual Percentage Yield for the 36 month share certificate is 2.02% APY. Share Certificate rates are subject to change weekly.

Automated Savings (Redstone Round Up): Must have checking account with debit card and Brighter Day Savings account to enroll in Redstone Round Up. Contact us for more information. Restrictions may apply.

²You will receive 10,000 MyChoice Rewards bonus points. To qualify and receive the bonus MyChoice Rewards points, you must charge the qualifying amount or more in purchases (minus returns, credits and adjustments) within the first 90 days from account opening (promotional period), using your Redstone Visa Signature credit card. The bonus MyChoice Rewards points do not apply to balance transfers, credit card checks, or overdrafts. Your Redstone Visa Signature credit card must be open and in good standing at the time of bonus MyChoice Rewards points fulfillment. Allow 45 days after promotional period has ended for bonus MyChoice Rewards points to post to your account.

³Balance Transfers Introductory Offer:
0% Intro Annual Percentage Rate (APR) for 6 months on Balance Transfers, after that, the standard variable APR will range from XX-xx for Visa Signature, and is based on creditworthiness when the account is opened. 0% Intro APR will apply through the end of the 6th billing cycle after the account is opened for all Balance Transfers made within 30 days of account opening. The standard variable Balance Transfer APR applies to Balance Transfers made after 30 days of account opening. Your introductory Balance Transfer APR will not end due to your account being delinquent. After the Introductory period ends, your APR will revert to the variable Balance Transfer APR in effect at the time. Rates, Terms, and Conditions are subject to change.

⁴As of February 1, 2020, the APRs are as low as XX for Visa Signature and may vary. APRs are based on creditworthiness at account opening. Variable APRs will vary with the U.S. Prime Rate.

Only one Brighter Day Savings Account is allowed per member. There is no minimum balance required to open a Brighter Day Savings Account. There is no minimum account balance required to earn the 5.09% annual percentage yield (APY), but the maximum account balance to earn this APY is $2,500. Any account balance over $2500 will earn 0.40% APY. As of February 1, 2020, the annual percentage yields for the Brighter Day Savings Account are current and both are subject to change monthly after the account is opened. Fees and other conditions could reduce the earning on the account. The APYs are accurate as of the last dividend declaration date. Please contact RFCU for current share savings rate information.

RFCU does not provide tax advice. Please consult your tax advisor with your specific questions. RFCU and AARP are separate entities. RFCU does not warrant, guarantee, or insure any product or service offered by AARP