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EVERYTHING YOU NEED

for What’s Next

Explore the benefits, products, and support included with your Blue membership.

Membership means more at Blue. Discover the credit union difference. Blue is owned by our members—not outside investors. That means the money we earn can be reinvested in better rates, helpful financial tools, personalized support, and the communities we share. When you join Blue, you are more than a customer. You are a member and an owner, with a financial partner committed to helping you move forward.

Financial guidance for every chapter of life. Money decisions can feel complicated. Blue helps make them clearer with convenient tools, practical guidance, and people who take the time to understand what matters to you. Whether you’re just starting out or eagerly planning for retirement, Blue is invested in you—your goals, your dreams, and your big-picture financial future.

Blue is your lifelong champion.

Bank anywhere benefits: 5,0 0 0 + B RA N C H E S S H A R E D N E TW O R K A C C E S S

M O B IL E A P P

F O R A PPL E A N D A N D R O I D

O N L IN E B A N K ING W I TH F R E E B I L L P A Y

3 0,0 0 0 + A T M s SURCHARGE-FREE

Checking that keeps life moving Make everyday money management easier. Access your money wherever life takes you, manage bills and transfers digitally, and use your Blue debit card for everyday purchases.

Every personal checking account at Blue has these great features: • No required opening balance • Free Visa® debit card instantly when you open your account at a branch • Overdraft protection options (not available on uAccounts Youth

• Get spending and security alerts on your debit card activities through our mobile banking app • Cleared checks archived online • Electronic statements

Checking)

Round up savings with Smart Cents If you have a Blue debit card, you can enroll in Smart Cents that “rounds up” your purchase to the nearest dollar and transfers the difference from your checking to your savings. Sign up takes seconds—just ask us how.

Straightforward checking for everyday banking Simple, everyday checking with no minimum

B AS IC C HECKIN G

balance and no monthly fees—giving you easy access to your money without the extra cost.

Enjoy the perfect youth checking account

uA C CO UN T YO UT H C HECKIN G

This is the perfect option for members up to 23 years of age, as it has no overdraft protection fees and no minimum balances.

Discover money-saving benefits Receive great perks and earn great dividends on balances up to $15,000 with this account. See more details on the following pages.

We’ll help you make the switch. A Blue representative can walk you through the process, answer your questions, and help set up your account around the way you manage your money.

With a NOVA Perks™ by Blue checking account, you get more than just banking. Alongside all the advantages of a traditional Blue membership, NOVA Perks™ by Blue offers exclusive benefits, nationwide discounts, and much more—all in one convenient package.

Features exclusive to NOVA Perks™ by Blue: Interest Benefits 5.00% interest rebate on loans; 0.50% increase on

Shop Local, Save Local with BaZing Savings

term share.

Local discounts and national retailer deals to save you money on shopping, dining, travel, and more.

Billshark Let our team of experts negotiate your internet,

Accidental Death Coverage

TV, cell phone, and home security services on your

Peace of mind for the unexpected.

behalf, or cancel subscriptions you no longer want or need.

Great Dividends on Checking Balance On balances up to $15,000.

ID Theft Aid Includes identity restoration & payment card resolution, personal identity theft benefit, credit monitoring & credit report, credit score & scoretracker, score simulator, and identity

Roadside Assistance Available 24/7 and free to use. Up to $80 in covered

monitoring.

service charges.

Buyer’s Protection and Extended Warranty

Health Savings Card

Items are protected for up to $2,500 per item if

Save money on prescriptions, eye exams, frames, lenses, and hearing services.

Cell Phone Protection Pay your cell phone bill with your NOVA Perks™

theft or accidental breakage occurs.

Anywhere Banking Tools Online banking, mobile banking, bill pay, debit card, eStatement, and more.

checking account, and you’re covered.

Maximum dividend obtained through Elite Checking account up to $15,000 balance. Monthly fees apply to Elite and Premium Checking. Certain criteria must be met to avoid monthly fee on Basic Checking. See website for full product benefits and requirements disclosure. Fees subject to change without notice. Insured by NCUA.

Elite Checking

Premium Checking

1.75% APY*

0.35% APY*

$1,000 /claim $2,000 / year

$800 / claim $1,600 / year

Interest Benefits

Billshark Earn Dividends on Your Checking Balance Roadside Assistance

Health Savings Card

Cell Phone Protection

Shop Local, Save Local with BaZing savings Accidental Death Coverage

$25,000

Accidental Death

$10,000

ID Theft Aid

Buyer’s Protection and Extended Warranty Anywhere Banking Tools

$10,000

Travel Accidental Death

$2,500

personal ID theft benefit, identity restoration, credit/ identity monitoring

during first 180 days of purchase

during first 90 days of purchase

Also receives priority in our contact center call queue.

Our best account for only $9/mo.

$2 discount for military, first responders, and students 23 and under.

Only $7/mo.

*Annual Percentage Yield.

For full details about NOVA Perks™ by Blue Chat with one of our Blue representatives to get started, make an appointment online, or visit bluefcu.com/nova.

Savings for what matters next When you open a Share Savings account at Blue, you become a member and an owner. Ownership is one of our greatest assets and the reason why we return profits through great rates and dividends. Each one of our savings accounts is designed with flexibility in mind, so you can easily withdraw whenever a new opportunity arises.

A savings account with Blue can empower you to meet your financial goals both now and in the future. • Bank from anywhere

• Save for a rainy day

• No monthly maintenance fees

• Earn the best rates around

Become an owner of Blue Establishes and maintains membership at Blue,

MEMBERSHIP SHARE

which provides eligibility to use all our products and services. Simply maintain a $5 minimum balance.

Grow your savings faster Term share certificates are an excellent and low-risk

Term Share Certificates

way to invest your money. Ask a Blue Representative about our market-leading rates.

Accelerate your path to financial freedom Earn 5.00% APY* on balances up to $1,000. Continue

ACCELERATED SAVINGS

to accelerate your savings beyond $1,000 with this tiered account. The sky’s the limit on what you can earn This savings account allows you to save and earn

SKY HIGH SAVINGS

higher yield dividends with no balance minimums or maximums. Grow your savings while keeping it within reach Blue Money Market Accounts offer competitive dividends and convenient access to your funds—

MONEY MARKET

without locking your savings into a long-term investment. Save now and enjoy when it matters most Start saving throughout the year for one lump-sum withdrawal right before the holidays. You can earn

CHRISTMAS CLUB

1.25% APY* on balances up to $5,000! There for you when medical expenses add up A HSA allows you to deposit pre-tax dollars to help

HEALTH SAVINGS ACCOUNT (HSAs)

pay for eligible healthcare expenses alongside your HDHP healthcare plan—and it comes with a free Visa® debit card.

Build toward your future with an IRA

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

An IRA offers a simple way to save with potential tax advantages while keeping to your long-term goals.

Expand your membership to new vistas The all-new Vista Savings pays our best rate (Prime + 1.00%) on your Blue dividends, maximizing your

VISTA SAVINGS

earnings. Enjoy the full benefit of membership by opening yours today!

*Annual Percentage Yield. Rates subject to change without notice. Request current rate disclosure or see website for rate, dividend compounding, and balance requirements. Limitations may apply. Insured by NCUA.

Credit cards that fit how you spend All of our credit cards give you convenience and security for day-to-day expenses, large purchases, travel, and even the unexpected. You can select a card with rates, rewards, and cash back options that fit how you typically use your credit card.

• No annual fees • Competitive low rates • Tap to Pay and mobile pay ready

• Protection from unauthorized purchases • Backed by the security and network of Visa®

• Free credit score and credit education

Unauthorized purchase protection is for cardholders that have exercised reasonable care in safeguarding card from unauthorized use and have not reported two or more unauthorized events in the past 12 months. Coverage may vary for business accounts. Price Protect benefits are for qualifying purchases only. All VISA ® benefits are subject to change. For full details, visit bluefcu.com/credit-cards. Underwriting qualifications apply. Insured by NCUA.

Pathways Low-Interest Variable Rate For those looking to establish or build credit, to those just wanting a great card for life’s “what ifs”—the Pathways card helps members discover their path to life’s possibilities. Pathways Credit Credit Pathways

Everyday Rewards Offering 1 point for every $1.00 spent on all purchases. With special bonuses of: • 4x points on streaming/digital subscriptions • 3x points on utilities and mobile bills • 2x on dining and gas purchases Rewards Credit Credit Rewards

Redeem your points for cash, travel, and more!

Premium Cash Back Earn 1.50% cash back on all purchases made using this card. Plus all NOVA Perks™ by Blue members receive an additional 0.50% bonus to their cash back earnings! Cash Back Credit Credit Cash Back

Business Rewards For business members looking to earn rewards, offering 1 point for every $1.00 spent on all purchases. With special bonuses of: • 3x the points on gas, travel, dining, office supplies, bills (utilities, mobile, internet) Business Credit Credit Business

Redeem your points for cash, travel, and more!

Loans for financing life’s possibilities Ready for your next big adventure? Whatever comes your way, Blue can help you find a loan that suits your needs—from a small personal loan to a mortgage for your dream home. Plus, you can take advantage of the competitive rates with flexible repayment options.

REAL ESTATE LOANS

Mortgages for every season in life Buying a home is one of the most important investments you can make. A knowledgeable Blue team member will be with you every step of the way, guiding you through the process and helping you get the best rate possible.

F I RS T M ORT GAGE | FIXED- RAT E SECOND MOR T GAGE HOME EQUIT Y LINE OF CREDIT (HELOC)

Student loans through Sallie Mae® Whether you’re headed to college for the first time

S T U D ENT L O AN S

or returning to pursue a new career, we can help you set up a student loan with the money you need to reach your goals.

MU L TI P L E RE P A Y M E NT OPT IONS | 1 0 0 % US- BASED ST UDENT L O AN SP EC I AL I ST S A CHO I CE O F COMPET IT IVE FIXED & VARIABLE INT ER EST R AT ES NO O RI GINAT ION FEE | NO PREPAYMENT PEN AL T Y I NT EREST RAT E REDUCT ION AVAILABLE

Financing for two wheels or more Get the most out of your ride with an auto loan that prioritizes your financial needs. We’ll help you

VEHICLE LOANS

purchase whatever vehicle is at the top of your wish list.

PERSONAL LOANS

Extra cash to keep you on track With a personal loan, Blue can help you cover unexpected expenses, take advantage of a new opportunity, or consolidate debt at a fixed interest rate.

U N S ECURE D | TE RM S HARE CERT IFICAT E SECURED | SHARE SEC UR ED | SMAR T L O AN

Financial flexibility for the holidays Need a little boost to get you through the winter? At the beginning of each holiday season, you can apply

SEASONAL LOANS

for a Blue Holiday Loan with a 12-month repayment period to help spread out the cost. This is an exclusive benefit if you have been a Blue member 90 days or more!

Skip-a-Payment Program Many Blue loans are eligible for our Skip-a-Payment program, where you can sign up to take a month off from your loan payment.* Enroll through online banking today! * Qualifications must be met; exclusions apply on certain loan products.

BLUE MAKES A DIFFERENCE IN THE COMMUNITY

The Blue Foundation Our charitable arm, the Blue Foundation, is an independent 501(c)(3) non-profit organization that was founded to help champion, fund, and celebrate the local organizations that keep our community strong.

Learn more at bluefcu.com/foundation

Blue It Forward by Doing Good Blue is an agent of positive change in the world. That’s why we prioritize doing good every single day—with our co-workers, members, and out in the community.

We live here too.

READY TO SEE WHAT A BLUE MEMBERSHIP CAN DO FOR YOU?

Stop into a Blue neighborhood branch, call us at 1 (800) 368-9328, or open an account online. We’ll help manage the switch, so your transition is hassle-free. Select your preferred financial tools and start using your benefits.

Visit bluefcu.com/support to learn more.

Discover more at bluefcu.com Membership required. Insured by NCUA. An equal housing lender. November 2026

For You. For Life.