HELOC: *APR = Annual Percentage Rate. Offer good through September 30, 2026. Introductory rate will be in effect for the first six (6) months after account is opened. Upon expiration of introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR), which can range from Prime -0.25% to Prime +1.0% using the Wall Street Journal Prime Rate (currently an APR of 6.75% not to be less than 4.99% or exceed 15.00% at any time. Rates cannot increase more than 2% annually and 6% over the life of the loan, based on the original non discounted rate. Information accurate as of 03/16/2026. After the promotional period, variable standard APR will be based on Loan-to-Value (LTV) and a review of your credit application as disclosed in your loan agreement. All HELOC products, conditions, and rates are subject to our standard underwriting criteria, LTV limitations, lien positions, property use, and location. Up to 90% of the value of your home, less first mortgage balance and any other existing liens can be used to establish the line (based on credit qualifications). This offer is available for new equity line members and subject to change without notice. Offer available to existing HELOC members who borrow an additional 50,000. Hazard insurance required. Flood insurance required where applicable. Loan amounts range from $10,000 to $500,000. Most closing costs paid by First Commerce Credit Union. Minimum initial advance of $30,000 or full loan amount if less than $30,000 borrowed. Exclusions and limitations apply. Refer to HELOC Early Disclosure or ask a Financial Service Officer for details. Please consult your tax advisor regarding interest deductibility. This offer may be withdrawn at any time. Call 850.488.0035 or 1.800.533.5772. This offer may not be combined with any other offers or discounts. NMLS#774895

TRIPLE OPTION CD: 1 Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after June 1, 2026) may open one Triple Option CD during promotional period with no cap on maximum dollar amount. 3 After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate – visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. 4 Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 13-month term of the certificate (CD). APY is accurate as of 6-1-26. Minimum balance to open and earn dividends is $1,000. Maturing 13-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.

MOMENTUM MONEY MARKET: Members’ dividends will be calculated at 4.00% for balances between $0.01 and $9,999.99, 3.00% for balances between $10,000 and $24,999.99, 2.00% for balances between $25,000 and $49,999.99, 1.50% for balances between $50,000 and $99,999.99, 1.00% for balances between $100,000 and $249,999.99, and 0.75% for balances $250,000 or more. APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA.

INVESTING: Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration does not imply a certain level of skill or training. AdvisiFi is a wholly-owned subsidiary of InvestiFi Inc (“InvestiFi”). Brokerage services are provided by InvestiFi Securities LLC (“InvestiFi Securities”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers and members of FINRA/SIPC. Brokerage services are available only to residents of the United States and in jurisdictions where InvestiFi Securities is registered. Brokerage and advisory accounts are not held with the financial institution and are held with AdvisiFi, InvestiFi Securities, and RQD, respectively. You may check the background of these firms by visiting FINRA’s BrokerCheck. Cash and securities offered by InvestiFi Securities and held by RQD are (1) not insured by the FDIC, NCUA or other government agency, or by any private insurance offered in lieu of FDIC or NCUA coverage, (2) not guaranteed, (3) not financial institution deposits or obligations, and (4) may lose value.

INVESTING: Digital assets (cryptocurrencies) are made available and held in a digital asset wallet operated by BitGo Bank & Trust, National Association (N.A.) (“BitGo”), not First Commerce Credit Union, InvestiFi, or its affiliates. BitGo is a separate entity from, and not an affiliate of, First Commerce Credit Union or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of First Commerce Credit Union or BitGo; (3) not guaranteed by First Commerce Credit Union or BitGo; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow member recourse; and (7) by a third party. First Commerce Credit Union may receive compensation from your purchase of digital assets. Digital assets (i.e., cryptocurrencies) held in your digital asset wallet operated by BitGo (i.e. Crypto ) are not insured by any government or private entities, including, but not limited to, NCUA or ASI/ESI. Your digital investing does not support wallet-to-wallet transferring of your digital assets (i.e. Cryptocurrencies). You should carefully consider whether buying or holding digital assets is suitable for you, given your financial situation. Digital assets are not obligations of First Commerce Credit Union or BitGo and are not guaranteed by First Commerce Credit Union or BitGo.