Promotional 13-Month Bump Up Certificate

Effective date: April 1, 2026

The rates set forth on this sheet are subject to change without notice.

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Truth in Savings Disclosure for Promotional 13-Month Bump Up Share Certificate Accounts

For Promotional Certificates: This is an addendum to the Truth In Savings Disclosure–Certificate, Rate Sheet, and Fee Schedule. Please refer to these documents for further information and terms applicable to this account.

Additional Terms and Conditions Applicable to Promotional 13-Month Bump Up Share Certificate Accounts

1. Bump Up Share Certificates: If your account has the Bump Up feature, we list the dividend rate and Annual Percentage Yield (APY) on your Certificate Receipt for your Bump Up Share Certificate account. Your Maturity Date will remain the same as stated on your Certificate Receipt.

   1. You have the option within each twelve (12) months of the current term for terms equaling or exceeding twenty-four (24) months, or once per term for Bump Up products with a term less than twenty-four (24) months, of exchanging the dividend rate for a new dividend rate that is currently offered on term share certificates at no cost to you.

   2. You have the option within each twelve (12) months of the current term for terms equaling or exceeding twenty-four (24) months, or once per term for Bump Up products with a term less than twenty-four (24) months, to make one (1) additional deposit. The maximum amount you can deposit is up to the original amount of the certificate at the start of the current term.

2. Qualifications: Available for new Promotional 13-Month Certificate accounts only. Eligible only for funds not currently or previously held in a First Tech Federal Credit Union (First Tech) or Digital Federal Credit Union (DCU) account at the time of this offer. Funds must be deposited from a source outside First Tech and DCU ; transfers between First Tech accounts, DCU accounts or their affiliates will not qualify for this promotional rate.

3. Upon maturity, the account will automatically convert to the rate offered for the standard 13-Month Bump Up Share Certificate account. Please refer to our Rate Sheet for current dividend rates and annual percentage yield information.