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*Offer available as of October 1, 2025. Offer subject to change or end without notice. New Members who open a first-time Free Checking account and add direct deposit with a monthly cumulative deposit amount of $1,000.00 within the first 90 days of account opening, will earn $100.00. Eligible direct deposits are limited to verified regularly scheduled electronic direct deposits of payroll, pension, and government benefit payments. If requirements are met within 90 days of Free Checking account opening, incentive will be deposited within 30 business days following completion of promotional requirements. Limit one promotional offer per individual. May not be combined with any other promotional offers. Certain restrictions apply. Membership eligibility is required. Residence within eligible Georgia or Florida field of membership counties required.

**Offer available as of October 1, 2025. Offer subject to change or end without notice. New Members who open a first-time Classic Checking account and add direct deposit with a monthly cumulative deposit amount of $1,000.00 within the first 90 days of account opening, will earn $200.00. Eligible direct deposits are limited to verified regularly scheduled electronic direct deposits of payroll, pension, and government benefit payments. If requirements are met within 90 days of Classic Checking account opening, incentive will be deposited within 30 business days following completion of promotional requirements. $5 monthly service fee is waived on required minimum direct deposit(s). Limit one promotional offer per individual. May not be combined with any other promotional offers. Certain restrictions apply. Membership eligibility is required. Residence within eligible Georgia or Florida field of membership counties required.

⁺Offer available as of October 1, 2025. Offer subject to change or end without notice. New Members who open a first-time Benefits Checking account and add direct deposit with a monthly cumulative deposit amount of $2,000.00 within the first 90 days of account opening, will earn $300.00. Eligible direct deposits are limited to verified regularly scheduled electronic direct deposits of payroll, pension, and government benefit payments. If requirements are met within 90 days of Benefits Checking account opening, incentive will be deposited within 30 business days following completion of promotional requirements. There is no minimum balance required to open account. However, you must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed annual percentage yield. $15 monthly service fee is waived on required minimum direct deposit(s) or debit card transaction per month. Limit one promotional offer per individual. May not be combined with any other promotional offers. Certain restrictions apply. Membership eligibility is required. Residence within eligible Georgia or Florida field of membership counties required.

¹Pay Early: With Pay Early, funds from an eligible incoming electronic direct deposit may be available for your use up to two days before the scheduled deposit date. Not all direct deposits are eligible for Pay Early. Eligible direct deposits are limited to verified regularly scheduled electronic direct deposits of your payroll, pension, and government benefit payments. Early availability of direct deposits is not guaranteed. Transaction limits and risk screening processes apply.

²ATM fee rebates: ATM fee rebates are specific to the AFCU fee for transacting at a non-Addition Financial ATM. Rebates do not cover ATM fees charged by other financial institutions or ATM owners.  Benefits and Student Checking are eligible for a maximum of 4 foreign ATM fee rebates a month. Classic Checking is eligible for a maximum of 2 foreign ATM fee rebates a month.

³AddsUp Savings Program: Enrollment in the Debit Card AddsUp Savings Program the credit union will round up your debit card purchases to the nearest whole dollar and transfer the difference to your Share Savings Account. The program is subject to change or cancellation.

⁴Rate Discounts: A loan discount cannot be applied to credit cards. Consumer loan rate discount applies to newly funded vehicle loan or new signature loan origination only. Rate discount terms and conditions are subject to change. The mortgage rate discount requires Premier Credit Card, and active consumer loan. Applies to new real estate loan origination only. Mortgage discount does not apply to variable rate products. Rate discount terms and conditions are subject to change. Loans are subject to credit approval. Benefits Checking eligible for a 0.40% rate discount for new consumer loans, and 0.375% rate discount on new mortgages. Classic Checking eligible for 0.25% rate discount on new consumer loans and mortgages. Student Checking eligible for 0.25% rate discount on new consumer loans.

⁵To avoid a monthly fee the Classic Checking account must have a cumulative direct deposit of $1,000.00 or 10 debit card transactions each month. To avoid a monthly fee the Benefits Checking account must have a cumulative direct deposit of $2,000.00 or 20 debit card transactions each month.  Please see the Fee Schedule for current fees that may apply to this account.

⁶Rate Information: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors.  View current rates. Compounding and crediting - Dividends will be compounded every day. Dividends will be credited to your account every month.

Federally Insured by NCUA.