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, 2025, and ends at 1:59 p.m. ET on October 24, 2025. You can enter the sweepstakes by completing the online entry form at www.edfed.org/sweepstakes before 1:59 pm on October 24, 2025. 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 APR = Annual Percentage Rate. All loans are subject to approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates start as low as 5.34% APR. Quoted rates include a 0.10% discount for electronic loan payment. Electronic payments may be made by payroll deduction or Automatic Transfer. Rates and terms may not apply to all borrowers and a down payment may be required. For example, a $20,000 loan with a 72-month term at 6.41% APR will have monthly payments $338.91. To qualify for the 0.25% rate discount, pre-approval must be obtained by 10/18/2025. The 0.25% rate discount and 90-day payment deferral are only valid for vehicles purchased on 10/18/2025 from a participating preferred dealership at the Car Sale and financed with EdFed. Loan must be funded by 10/18/2025. Finance charges begin from the date of loan disbursement. Offer not valid on existing loans and cannot be combined with any other programs or offers except the Summer Skip Program.

³ Offer good on all new EdFed auto, boat, recreational vehicles, and motorcycle loans. Offer may be discontinued at any time without prior notice. Cash will be provided as a $100 credit applied to the primary borrower's Prime Share within 30 days of loan funding. Loan must remain open with a balance for a minimum of 14 days to qualify.