CommunityAmerica At Work Disclosure

† Checking Offer. All account applications are subject to approval. Valid promo code must be included on application. Only for new Chiefs Checking or Cashback Free Checking accounts with a limit of one per membership. Offer valid through 12/31/2023. Minimum balance is not required to obtain the bonus offer or open the checking account. Within 60 days of opening the new checking account, the member must have a monthly direct deposit of at least $250 posted to the new checking account. $200 will be deposited into primary savings account within 30 days of meeting qualifications. Must be an employee of a CommunityAmerica At Work Company. Please consult your tax advisers concerning the reporting to Internal Revenue Service of bonus payments as interest on accounts. Chiefs/Cashback Free Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Chiefs Checking account or a Cashback Free Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account on the day before the last day of the month to receive benefits for that same month. Cash back will be deposited into the Chiefs Checking or Cashback Free Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 05/01/2023 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. Limit one Chiefs Checking or Cashback Free Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, or Loan Advantage. Qualifications for cash back: The membership account number tied to the Chiefs Checking or the Cashback Free Checking account must complete the following: Enrolled in eStatements; one direct deposit of $250 or more per month, not aggregated; 15 posted point-of-sale debit card transactions per month to a single checking account; OR enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking account. Transactions exclude refunds, credits, fees, pre-authorizations, and ATM transactions.

‡ Mortgage Offer. Limited time offer and only valid on one new or externally refinanced mortgage loan per member. All loans are subject to approval. Offer expires on 12/31/2023. Must be an employee of a CommunityAmerica At Work Company. The $200 offer will appear as a lender credit on the final closing disclosure for the mortgage.

§ Auto Refinance Offer. Rates and offers current as of 11/13/2023 and are subject to change. The vehicle refinance $200 bonus is eligible on loan amounts of $10,000 and greater and must be refinanced from another institution. Valid on current auto refinance applications. This is a limited time offer. Must be an employee of a CommunityAmerica At Work Company. Purchases, cash out refinances and existing CommunityAmerica Credit Union loans are not eligible for this promotion. Minimum loan amount required is $10,000. All loans and rates are subject to credit and underwriting guidelines and approval. The loan’s first scheduled payment must be made to be eligible for the $200 bonus. The bonus will be deposited to the members membership share savings account within 60 days after the first scheduled payment is made. If at any point your loan is past due more than 30 days, you will forfeit your eligibility from this o­ffer. CommunityAmerica may discontinue or change the promotion at any time. Other restrictions may apply. APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Refinancing your loan with CommunityAmerica Credit Union does not guarantee lower interest rates or monthly payments. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. For used vehicles, maximum used car loan advance will be determined by CommunityAmerica using a NADA value. Refinance Loan Payment Example: $20,000 at 6.94% APR; 36 monthly payments of approximately $618.78. APR as low as 6.94% APR available, subject to credit approval. Programs, offers, rates, terms and conditions are subject to change and expiration without notice and vary based on creditworthiness, qualifications, collateral, and loan terms. The credit may be reported as income on IRS Form 1099-MISC.

∔ Credit Card Offer. Applications are subject to approval. Valid promo code must be included on application. Must be an employee of a CommunityAmerica At Work Company. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back, when you spend $2,000 on purchases in the first 90 days from account opening of the VISA® Signature Credit Card. Cash back is applied as a statement credit. "Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, interest, unauthorized or fraudulent charges, and fees of any kind. Points deducted if purchase returned. If you earn the 20,000 bonus points when you spend $2,000 in purchases within 90 days of account opening, please allow up to 6-8 weeks for bonus points to post to your account. The 20,000 bonus points may post in multiple transactions. Offer not available to current CommunityAmerica credit card holders or prior CommunityAmerica credit card holders whose account was closed within the past 6 months. Account must be open and not in default at the time of fulfillment. Offer may be revoked, restricted or changed at any time at CommunityAmerica's discretion. Credit Card Rates: APR=Annual Percentage Rate. Offers subject to credit approval; terms may vary. Intro rate not available to current card holders. APR for Purchases for Visa Signature: 0% Introductory APR for 18 months. After that, your Standard APR will be 17.49% or 19.49% depending on your credit history. This APR will vary with the market based on the Prime Rate. Click here for rate and fee information, and here for our Credit Card Agreement. The information about costs of the card are accurate as of 10/01/2023. Visa® Signature: Earns unlimited 1.5% cash back on every dollar spent. Example: $1,000 spent earns 1500 points, which may be redeemed for $15 cash back. Cash back not earned on cash advances. Cash back is applied as a statement credit: minimum $10 needed to redeem.

♢ Wealth Management by CommunityAmerica. Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), Member FINRA/SIPC. Copper Financial is a SEC registered investment adviser. Copper Financial is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by Copper Financial. For important disclosures from Copper Financial, including our Form CRS, please visit here. Investment and insurance products, including annuities:

 

Are Not Deposits

Are Not NCUA or otherwise Federally Insured

Are Not Obligations of or Guaranteed by the Credit Union

May Lose Value