Essential Checking

Rates effective as of: January 30, 2026

Disclosures

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit us at FitzsimonsCU.com or call us at 303-340-3343 to speak to a member service representative for specific Monthly Qualification Cycle dates.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to $25,000 in your Kasasa Cash account earn a dividend rate of 2.959% resulting in an APY of 3.00%; and daily balances over $25,000 earn a dividend rate of 0.250% on the portion of the daily balance over $25,000 resulting in a range from 3.00% to 0.80% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.049% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of 03/01/2020. APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information:Membership restrictions may apply. Monthly eStatement enrollment, etc. are a condition of this account. See accompanying schedule of Consumer Fees and Changes for fees that may apply to this account. Limit of one (1) account(s) per Social Security Number. If the previous qualifications outlined are not met in a calendar month, a nominal rate of interest will be earned on the full balance; however, this will be less than the interest rate reward that would be earned if the qualifications are met. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Visit us at FitzsimonsCU.com or call 303-340-3343 to speak to a member service representative for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Disclosures

1. The Dividend Rate and Annual Percentage Yields set forth above are accurate as of the effective date indicated above. If you wish to obtain current rate information please call the credit union at (303) 340-3343. Fees could reduce earnings on certain accounts. Penalties may be imposed for early withdrawal.

** At least minimum balance must be obtained to receive dividends. For Share Savings accounts, a minimum balance of $250 must be maintained to receive dividends. See Standard Disclosure for balance to earn dividends.