* $100.00 Incentive to New Members and Existing Members who refer a person 18+ to open a new membership and eligible personal checking account with Firstmark Credit Union (Firstmark). Refer–a–Friend promotion effective July 28, 2026. Firstmark reserves the right to modify or discontinue this promotion at any time. Eligibility for friends and family of current members only. Primary account owner must be age 18 (and up) to be eligible. Youth, Trust, Memorial, and Rep Payee are not eligible for promotion. The minimum required balance to open a personal checking account is $25.00. To qualify for the incentive, the referred individual must open a new membership and an eligible Firstmark personal checking account – Basic (Free), Power of the Dollar® or Power of the Dollar® MAX checking account, maintain the account throughout the 60-day qualification period, complete ten (10) debit card transactions of at least $10 each, enroll in Digital Banking, and remain in good standing with the Credit Union with no negative balances. Signature- and PIN-based debit card transactions qualify. ATM transactions do not qualify. After all qualification requirements have been met, both the referring member and the new member will receive the $100 incentive on the 61st day. If the referred member does not satisfy all requirements, neither party will receive the incentive. There is a limit of five (5) referrals per member in a calendar year. If an existing member has met the referral limit on previous referral programs, they are not eligible for the bonus. Individuals who previously held a Firstmark membership or account that was closed within the past six (6) months are not eligible. No other promotions or offers may be combined with this promotion unless otherwise stated. Incentives are considered a bonus and will be reported to the IRS Form 1099-INT (or Form 1042-S if applicable). APY = Annual Percentage Yield. Accurate as of 07/28/2026. The Credit Union may offer other rates in the future. Compounded monthly. Fees or other conditions could reduce the earnings on the account. Power of the Dollar® MAX is a tiered APY account. Rates are subject to change. Minimum daily balance of $500 to earn APY. Balances $500 to $10,000, the Dividend Rate is 2.96% with an APY of 3.00%; Balances $10,000.01(+), the Dividend Rate will revert to 0.01% with an APY of 3.00% to 0.01%. Rates, fees, and terms applicable can be located on the Firstmark Truth-in-Savings Disclosures. The Credit Union may offer other rates for these types of accounts in the future. Firstmark reserves the right to withhold incentives in the event there is incorrect information, suspected fraud, and/or false information provided at account opening. Federally insured by NCUA.