*Offers may be canceled at any time. General eligibility requirements: (1) KeyPoint Credit Union membership required; (2) only funds not already on deposit with KeyPoint (“new money”) count towards bonus eligibility; (3) referred Member must provide promo code “RAF25” and referring Member’s name at account opening. Referring Member may receive one $100 bonus for each bonus-eligible KeyPoint service a referred Member opens for a maximum of $300. Referred Member may receive up to $500 by meeting each bonus’s eligibility requirements; referred Member cannot open the same account multiple times for additional bonuses. ¹Checking bonus: Referred Member must (1) not have an account or loan with KeyPoint in the previous two years, (2) open a KeyPoint checking account with at least $10, (3) establish minimum $1,000 recurring monthly direct deposit to KeyPoint from net pay, pension, or retirement benefit and (4) have first direct deposit post within 60 days of account opening. Referring Member will get $100 90 days after account opening if eligibility requirements are met. Referred Member receives bonus of up to $300 in six monthly $50 installments, one for each consecutive month account receives at least $1,000 by direct deposit. Disruption of direct deposit during first six months will terminate bonus payments. Recurring transfers or deposits from other sources, such as other accounts at KeyPoint or accounts at other institutions, do not qualify. Not available for Kids Checking or Student Checking. ²Certificate bonus: $100 paid to referring and referred Members 30 days after opening of qualified KeyPoint certificate. Certificates may be subject to early withdrawal penalties. ³Loan bonus: Referred Member must apply, be approved for, and fund either a new KeyPoint auto loan ($10,000 minimum) or personal loan ($5,000 minimum; include debt consolidation and signature home improvement loans). Refinances of existing KeyPoint debt are not eligible. All loans subject to credit approval. Bonuses paid 30 days after loan funding. ADDITIONAL INFORMATION. (1) Offers cannot be combined with other promotions. (2) KeyPoint employees and officials and their immediate families cannot participate. Other restrictions may apply. (3) Taxes on bonuses, if any, are the recipient’s responsibility. KeyPoint complies with federal and state tax reporting laws.

⁴KeyPoint will automatically rebate ATM fees within a few business days.  System differences with the owners of the ATMs you use may not allow automatic rebates and you would then need to manually request rebates.  ⁵Just use your KeyPoint debit card to make ten (10) purchases within the month, and you pay no account fee. You can also waive the account fee with a direct deposit of at least $1,000.  ⁶$2 monthly paper statement fee.