DISCLOSURES:
*Benefits are based on your Added Advantage (AA) score and are available exclusively to Nuvision Credit Union members who have enrolled in the program. Your score will appear on the first statement following enrollment. Nuvision Credit Union reserves the right to change or discontinue the program at any time.

¹ Identity Theft & Fraud Protection: Eligible members receive one year of complimentary monitoring from Experian upon activation. Available only to members with an AA score of 100 or higher. Enrollment is not automatic – members must redeem the code provided by a Nuvision representative. This benefit may be subject to year-end tax reporting and could be included on a 1099-MISC form. 

² Certificate Rate Increase: Applies to both new and renewing certificates (including IRA certificates), up to a combined balance of $250,000. The increased rate is valid for the initial term only and requires a minimum term of 12 months. Renewal rates are based on your AA score at the time of renewal. Early withdrawals may incur penalties that could reduce earnings. This offer cannot be combined with any other promotion. AA enrollment will not affect existing certificate accounts until renewal. For current rates, visit the Nuvision Credit Union website.

³ Auto Loan Rate Discount:  Exclusively offered through Nuvision Credit Union for new and used Auto, RV, Motorcycle, and Recreational Toy loans. This discount is not available for Personal, Mortgage, Credit Card, Student, or Share Secured loans, and excludes variable or promotional rate loans unless otherwise disclosed. Eligibility is based on the member’s AA score at the time of application. May only be combined with the Automatic Payment Discount and AA Auto Loan Cash Back benefit. All loan rates are based on individual creditworthiness and subject to credit approval. Auto loan rates cannot fall below the established floor rate. Rates are subject to change without notice, and additional restrictions may apply. For current rates, visit the Nuvision Credit Union website. 

⁴ Auto Loan Cash Back: Available for new or used auto loans financed through Nuvision Credit Union. Refinancing an existing Nuvision auto loan is not eligible. Cash back amount is based on the member’s AA score at the time of application. To qualify, members must be enrolled in AA prior to applying. Cash back will be deposited into the member’s primary savings account within 45 calendar days of loan funding. Limited to one Auto Loan Cash Back benefit per member every 12 months. May only be combined with the Automatic Payment Discount and AA Auto Loan Rate Discount benefit. Subject to credit approval and may be reported on a 1099-MISC form.

⁵ Mortgage Loan Cash Back: Available for new or refinanced 1st Trust Deed Mortgage loans through Nuvision Credit Union, with a minimum loan amount of $250,000. To qualify, members must be enrolled in the AA program prior to submitting a loan application. Cash back amount is based on the member’s AA score either at the time of application or within 90 days prior to loan funding - whichever is closer to the funding date. Cash back will be credited to the member’s primary savings account within 45 calendar days of loan funding. Limited to one Mortgage Loan Cash Back benefit per eligible household every 12 months. Cannot be combined with any other promotions. Subject to credit approval and may be reported on a 1099-MISC form for tax purposes. 

⁶ HELOC Annual Fee: The annual fee for a Home Equity Line of Credit (HELOC) is waived for members who are enrolled in the AA program with a qualifying score of 100 or higher. The waiver is not retroactive and will apply to the next scheduled annual fee following enrollment.

⁷ Cashier’s Check Fee: The $5.00 fee for a cashier’s check is waived for members with a qualifying AA score of 100 or higher. This waiver does not apply at shared branch locations.

⁸ Domestic Wire Fee: Members enrolled in the AA program with 200 or more points receive one domestic wire fee waiver per month.

⁹ Bounce Protection Limit Increase: Members with an AA score of 200 or higher automatically receive an increased Bounce Protection limit. To qualify, members must be opted into Bounce Protection and meet all program requirements. The standard Bounce Protection base limit is $750.

¹⁰ Debit Card Limit Increase: Members enrolled in the AA program may request an increase to their debit card limits, subject to eligibility and approval.