St. Louis Checking Offer

1 4X Cash Back + T-Shirt. To receive the 4X Cashback bonus credit, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri. (2) Open a new Cashback Free or Chiefs Checking account application, which is subject to credit approval, between 3/27/2025 – 6/30/2025 (members with an open CommunityAmerica checking account, or a CommunityAmerica checking account that has closed within the past six months do not qualify), (3) enter the STL4X promo code in your new checking application and (4) meet “Qualifications for Cash Back.” Each monthly bonus credit, up to $15 maximum, will be deposited into the Cashback Free or Chiefs Checking account during the month following the month that qualifications are met. Your bonus credit may post on a different day than the standard monthly Cashback credit. Limit 12 monthly bonus credits, up to $180 maximum. The eligibility period to earn bonus credits is the 13 months following account opening. Following the promotion period for ‘4X Cashback bonus’, the Cashback Free and Chiefs Checking products will return to earning the standard 1% cash back. The account must be open and in good standing at the time of payout to qualify for the credit. Examples of ineligible accounts may include: delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings. Limit one qualifying account per member. Offer subject to change without notice and cannot be combined with any other offer. The credit(s) may be reported as income on IRS Form 1099-MISC. To receive the exclusive Spring 2025 CommunityAmerica promotional t-shirt, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri. (2) Open a new Cashback or Chiefs Checking account application, which is subject to credit approval, between 3/27/2025 – 6/30/2025. The t-shirt will be available while supplies last and will be mailed to you within 30 days of account opening at the address you provide on your application. Limit one t-shirt per account and member. The t-shirt, valued at $32.00, may be reported as income on IRS Form 1099-MISC.

2 $200 High Interest Savings Bonus. To receive the $200 credit for a new High Interest Savings account, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri. (2) Open a new High Interest Savings account application between 3/27/2025 and 6/30/2025 (members with existing High Interest Savings or Delta Share Savings accounts, or with High Interest Savings or Delta Share Savings accounts that have closed within the past six months do not qualify), (3) enter the STL4X promo code in your new High Interest Savings account application, (4) deposit a total of $2,500 or more into the High Interest Savings account within 30 days of account opening and (5) maintain at least a $2,500 balance for an additional 30 days after reaching the $2,500 balance. Eligible members are required to have opened a qualifying Cashback Free Checking or Chiefs Checking account with the promo code STL4X in the application between 3/27/2025 and 6/30/2024 to qualify for the $200 credit. Within 30 days of completing the above requirements, a $200 credit will be posted into the primary account owner’s membership savings account. The account must be open and in good standing at the time of payout to qualify for the credit. Examples of ineligible accounts may include: delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings. Limit one $200 credit per High Interest Savings account and per member. Offers subject to change without notice and cannot be combined with any other offer. The credit(s) may be reported as income on IRS Form 1099-MISC.

3 Cashback Free Checking/Chiefs 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. 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 2/28/2025 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 checking accounts. 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.

4 High Interest Savings. APY=Annual Percentage Yield and assumes interest is reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. You must maintain the minimum daily balance required to obtain the applicable APY. Fees could reduce earnings on the account. First Tier: 5.00% APY from $1.00 - $2,500, if First Tier qualifications are met. Second Tier: 0.03% APY on $2,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. First tier APY is conditional on meeting the following requirements on the day before the last day of the month to receive benefits for that same month: enrollment in eStatements; monthly direct deposit of at least $250 posted to one deposit account; 15 posted point-of-sale debit card transactions per month to a single checking account tied to the membership; OR enrollment in eStatements and 25 posted point-of-sale debit card transactions per month to a single checking account tied to the membership. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions. Each statement period that conditions are met after the account is opened, First Tier APY will be applied at the end of the statement period. If qualifications are not met, First Tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. If Checking account relationship is terminated or becomes inactive, First Tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Limit one High Interest Savings or Delta Savings account per member. Rates effective as of 2/28/2025.