¹All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. The .25% Member Appreciation Month promotional discount only applies to the loan types listed on this advertisement. Loan must be financed or refinanced with EdFed between 10/01/2018 and 10/31/2018 to qualify for the discount. Offer excludes refinances of loans currently financed with EdFed. Offer cannot be combined with any other discounts or offers except the Summer Skip Program.²All Credit Union loans are subject to approval. To receive the promotional rate, the balance transfer or cash advance must take place between 08/01/2018 and 10/31/2018. Transferred balances or cash advances will continue at the reduced rate through the closing date on your January 2019 statement, at which time the promotion will terminate and the balance will revert to the normal rate. Normal VISA® Credit Card variable rates range from 11.50% to 18% APR. This APR will vary with the market based on the Prime Rate and is subject to change. Throughout the promotion, existing balance(s) and new purchases will continue at the normal rate. Each balance transfer or cash advance will reduce your available credit just like any other transaction. Balance transfers and cash advances are contingent upon approval of the credit limit needed to accommodate the request. Total balance is subject to a 1.5% minimum monthly payment or $25, whichever is greater.³All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Property must be the borrower's primary residence, located in the State of Florida, and meet all other underwriting criteria. The $250 Member Appreciation closing cost discount applies to mortgages financed or refinanced with EdFed. Offer excludes refinances of loans currently financed with EdFed. Loan application must be in process by 10/31/2018 to qualify for the discount. Offer cannot be combined with any other discounts or offers.⁴The Member Appreciation Month Sweepstakes ("sweepstakes") is open to all accountholders of Educational Federal Credit Union (EdFed) who are 18 or older at the time of entry. Sweepstakes is sponsored by EdFed, 7800 SW 117 Ave, Miami, FL 33183. Prizes are furnished and funded by Kendall Toyota, 10943 S Dixie Hwy, Miami, FL 33156; Allied Solutions, 350 Veterans Way, Carmel, IN, 46032; and Enterprise Rent-A-Car, 600 Corporate Park Drive, St. Louis, MO, 63105. Sweepstakes begins at 12:01 a.m. ET on October 1, 2018 and ends at 11:59 p.m. ET on October 31, 2018. No purchase is necessary to enter or win. You can enter the sweepstakes by completing a sweepstakes entry ticket at any EdFed branch on or before October 31, 2018. All requested information on the entry ticket must be completed to be valid. Entries are limited to one (1) per accountholder, per branch, per day. Odds of winning will depend on the number of valid entries received. The winners will be selected from among all valid entries via a random drawing to be conducted at the EdFed office located at: 7800 SW 117 Avenue, Miami, FL 33183. Three winners will be drawn to receive one of the following prizes: two Disney Platinum Passes valued at $1,552.78, a one-week car rental from Enterprise Rent-A-Car valued at $266, and a grand prize of a new 2019 Toyota Corolla LE with an MSRP value of $20,798.00 (USD). All taxes and fees, and all other costs associated with the acceptance and redemption of the above prizes are the sole responsibility of the applicable winner. For full sweepstakes rules, visit www.edfed.org/memberappreciation.