¹ No purchase necessary to enter or win. The 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 begins at 12:00 a.m. ET on October 1, 2023, and ends at 2:59 p.m. ET on October 27, 2023. You can enter the sweepstakes by completing the online entry form at www.edfed.org/sweepstakes before 2:59 pm on October 27, 2023. All requested information on the online entry form must be completed to be valid. Entries are limited to one (1) per accountholder per week. 40 winners will be drawn to receive one $100 Amazon e-Gift card. One winner will be drawn to receive a grand prize of one Dream Vacation Gift Bundle valued at $2,500.00 (USD). Prizes cannot be redeemed for cash. For complete sweepstakes rules, visit www.edfed.org/sweepstakes.

² For a complete list of participating preferred dealers, visit www.edfed.org/autosale.

³ Offer may be discontinued at any time without prior notice. Combined incentives include a $150 gift card provided by the applicable participating preferred dealership, which is not redeemable for cash. An additional $100 in cash will be provided by EdFed as a credit applied to the primary borrower's Prime Share within 30 days of loan funding. Offer good on all new and used EdFed auto loans for vehicles purchased between 10/01/2023 and 10/31/2023 from a participating preferred dealership during the Member Appreciation Month Virtual Auto Sales Event. To qualify, vehicle purchase must be arranged by EdFed's Auto Advantage Service and financed with EdFed. The loan must remain open with a balance for a minimum of 14 days to qualify.

⁴ The 90-day payment deferral offer is available on all new and used auto loans for vehicles purchased between 10/01/2023 and 10/31/2023 from a participating preferred dealership during the Member Appreciation Month Virtual Auto Sales Event. To qualify, vehicle purchase must be arranged by EdFed's Auto Advantage Service and financed with EdFed. Finance charges begin from the date of loan disbursement. Loan must be funded by 11/15/2023. Offer not valid on existing loans and cannot be combined with any other programs or offers except the Summer Skip Program.