*APY = Annual Percentage Yield. Rates effective as of 10/01/2025 and are subject to change at any time without notice. Offer expires December 31, 2025.

¹ To receive the promotional APY of 4.50% for a 4-month term, a minimum opening balance of $1,000 is required and must be maintained daily to earn dividends and avoid closure. The maximum deposit amount for the 4-month certificate is $5,000, and only one promotional certificate is permitted per owner.  Promotional certificates are not eligible for the Added Advantage rate bump or any other pricing bumps. Upon maturity, the certificate will enter a seven-day grace period. Unless otherwise instructed by the member, the certificate will automatically renew into a 3-month term at the then-prevailing APY. The stated APY assumes that principal and dividends paid monthly remain on deposit until maturity; if dividends are withdrawn before maturity, the effective APY will be lower. Withdrawn dividends may be considered a taxable distribution. Please consult a tax advisor. Early withdrawal penalties may apply, and fees could reduce earnings on the account. Refer to the full account disclosure for complete terms, conditions, and applicable penalties. Nuvision reserves the right to change or cancel the promotion without prior notice. 

NUVISION CREDIT UNION 
DIGITAL DEPOSIT APPLICATIONS CASH REWARD INCENTIVE 
TERMS & CONDITIONS 

Overview 
Nuvision Credit Union (“Nuvision”) is offering a limited-time cash reward incentive to promote self-service digital applications for share certificates between November 17, 2025 and December 31, 2025 (“Promotion Period”). No purchase is necessary. 

Eligibility 
This offer is available only to Nuvision members who received an offer via email. Member must be at least 18 years old, be a legal resident of the United States, have an active Nuvision membership with accounts in good standing for at least 30 days prior to the acceptance of the offer. “Good standing” means the account is open, not overdrawn, not subject to holds, and not otherwise restricted. Members must apply for the promotional high-yield share certificate online no later than December 31, 2025, and have an active primary savings account established at the time of membership. 

This offer applies only to the promotional 4-month certificate. All other promotional and regular term share certificates are excluded. Limit one reward per eligible member or eligible account. Joint accounts are eligible but only one reward will be issued per eligible account. 

Current and former employees, contractors, volunteers, officers, and officials of Nuvision, and their immediate family members (spouse, parents, siblings, children, and household members) are not eligible. 

How to Qualify and Receive the Reward 
To qualify, members must accept the email offer by entering the code provided in the email in the online application and funding the promotional 4-month certificate during the Promotion Period. Funding must meet the minimum funding requirements for the Certificate as published in Nuvision product materials. Nuvision will verify eligibility and compliance with these Terms prior to payment. Nuvision may require documentation to confirm identity, membership status, funding, or other eligibility criteria. 

After verification, Nuvision will deposit the $50 cash reward into the member’s primary savings account within 30 calendar days of account opening, unless extended by Nuvision for investigatory or operational reasons. Members will be notified by email once the deposit is completed. 

Nuvision reserves the right to withhold or decline payment if Nuvision determines, in its sole discretion, that the member is ineligible, has engaged in fraudulent or abusive activity, has closed the qualifying account prior to payment, or otherwise fails to meet these Terms. 

Rewards are promotional incentives and may be taxable. Nuvision will report rewards to tax authorities as required by law. Members are responsible for any tax liabilities. Members who receive $600 or more in aggregate rewards in a calendar year will receive the appropriate IRS information return in accordance with applicable law. 

Privacy and Use of Information 
Member information collected to administer this promotion will be used to verify eligibility, process the reward, and, where applicable, communicate with the member about the promotion. Nuvision does not sell personal information for marketing purposes. Nuvision may use member contact preferences and lawful bases (such as consent or legitimate interest where applicable) to deliver promotional communications. For full details, see Nuvision’s Privacy Policy. Nuvision protects personal information using industry-standard security measures. 

Additional Terms 
Nuvision reserves the right to cancel, modify, or suspend the promotion at any time for any reason, including but not limited to suspected fraud, technical failures, or events beyond its control. Where viable, Nuvision will attempt to notify affected members via email. Any attempt to manipulate or circumvent the promotion, including creating multiple accounts, falsifying information, or other deceptive practices, may result in disqualification and recovery of rewards. Nuvision reserves the right to take any action necessary, including legal remedies, in response to suspected abuse. 

Appeals and Inquiries 
Members who believe they were wrongly denied a reward may submit a written appeal within 45 days of acceptance of the offer. Appeals submitted after 45 days may be denied as untimely. Appeals must be submitted by the member and include the member’s full name, account number, date of offer acceptance, and a clear explanation of the basis for the appeal. Nuvision may request additional documentation to verify eligibility. 

How to submit an appeal: 
Email: [email protected]

Mail: Nuvision Credit Union, Attn: Promotions Appeals, 7812 Edinger Avenue, Huntington Beach, CA 92647 

Nuvision will acknowledge receipt of a timely appeal and aims to resolve appeals within 15 business days of receipt. Nuvision’s determination following review will be communicated to the member and is final with respect to these promotional Terms, except as required by applicable law. 

Phone inquiries: 
Call Member Services at (800) 444-6327 

Note: Phone inquiries are for information only; written appeal is required for consideration. 

Choice of Law 
These Term and Conditions and any dispute arising under them shall be governed by and construed in accordance with the substantive laws of the State of California, without regard to its conflict-of-law principles. Any action relating to these Term and Conditions must be brought exclusively in the state or federal courts located in Orange County, California. Any dispute relating to membership is governed by the Nuvision Credit Union Membership Agreement.