1 APY = Annual Percentage Yield. APYs accurate as of 1/1/2026. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account. For Summit High Yield account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 6.00%; and balances over $10,000 earn 0.50% dividend rate on the portion of balance over $10,000, resulting in a range from 6.00% to 1.00% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Summit High Yield account on the last day of statement cycle. When Summit High Yield qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Summit High Yield APY is based on compounding dividends. The SaverPlus APY may be less than Summit High Yield APY. If qualifications are met in your Summit High Yield or Cash Back account during the Monthly Qualification Cycle, the balance in the SaverPlus earns 2.00% APY. If Summit High Yield or Cash Back qualifications are not met, the balance in the SaverPlus earns 0.05% APY. Limit one (1) Rewards checking and SaverPlus per social security number. View schedule of fees.

2 APYs accurate as of 1/1/2026. Rates and rewards are variable and may change after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account. When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 6.00% cash back on up to a total of $100.00 in debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Cash back payments and ATM fee reimbursements will be credited to your Cash Back account on the last day of statement cycle. When Cash Back qualifications are not met no cash back payments are made and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. If member has a SaverPlus account, cash back payments earned in Cash Back account are automatically transferred to SaverPlus each statement cycle. If qualifications are met in your Summit High Yield or Cash Back account during the Monthly Qualification Cycle, the balance in the SaverPlus earns 2.00% APY. If Summit High Yield or Cash Back qualifications are not met, the balance in the SaverPlus earns 0.05% APY. Limit one (1) Rewards checking and SaverPlus per social security number. View schedule of fees.

3 You will receive $0.50 cash back on each everyday debit card transaction, up to an aggregate amount of $4.00 per monthly statement cycle, that posts and settles to your account during the monthly statement cycle. The cash back rewards will be credited to your account on the last day of the statement cycle. Only debit card transactions processed by merchants and received by us as point-of-sale (POS) transactions will qualify to earn cash back. Debit card transactions processed by merchants and received by us as ATM transactions do not count as POS transactions. Statement Cycle means the period of time for which Cinfed provides a summary of the financial activities and transactions that post and settle to your account. Limit one Zoom Rewards checking per social security number. Account owner must be between the ages of 14 and 22. Members under 18 years of age are required to have a parent/guardian sign as a joint owner. Rates and rewards are variable and, at our discretion, may change after account is opened without notice to you. View schedule of fees.

4 Cinfed Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Cinfed Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 09/25/2028. Offer subject to change and partner participation.

5 Overdrafts are paid at our discretion; we do not guarantee that we will always authorize and pay any type of transaction. For example, we will not allow you to overdraw your account via ATM withdraw. For questions, please contact our Member Services Department at 513-333-3800.