Ultra Rewards — Checking that Pays and Saves

Earns more than savings, AND rebates ATM fees

Make a smart financial move for the New Year — switch to Point Loma Credit Union checking with Ultra Rewards!

You’ll earn a higher yield than on savings (APR: 0.35%, APY²: 0.35%) plus receive ATM fee rebates up to $10 a month.

High yields, ATM fee rebate and all the other ‘must-haves’:

• FREE transactions at 28,000 CO-OP ATMs nationwide
• FREE Visa Check Card
• FREE online and phone banking
• FREE e-Statements

More free ATMs than banks! ATMs¹   PLCU's COOP 28,000   BofA 18,000   Wells Fargo 12,350   Union Bank 600

Compare Ultra Rewards to banks' dividend checking accounts! APY²   PLCU Ultra Rewards 0.35%   Bank of America Prima 0.05%   Union Bank Tiered Interest 0.01%   Wells Fargo Preferred Package 0.01%

To Qualify

Start by joining Point Loma Credit Union and opening a checking account with e-Statements and direct deposit.  Then make at least 12 debit card transactions a month.  It’s easy — use it at the supermarket, mall, movie theater, restaurant or online.

Add Ultra Rewards to your PLCU checking account today!  Complete the Enrollment Form and mail* it, stop by your nearest branch, contact the Call Center (888-495-3400), or log into Home Banking and sign up online.

* Attn: Call Center
Point Loma Credit Union
9420 Farnham St.
San Diego, CA 92123

¹ Figures gathered by survey of institutions’ web sites 5/7/12 and subject to change.

² Annual Percentage Yields are anticipated rates, are accurate as of 5/25/13 and are subject to change at any time.  Other institutions may require a minimum balance to earn stated yields.  Ultra Rewards is available only on PLCU checking accounts.  Requires the following for the eligible checking account: recurring direct deposit, minimum of 12 debit card transactions per month, and e-Statements.  0.35% Annual Percentage Yield (APY) applies on balances up to $25,000; 0.02% APY applies on balances above $25,000 each statement cycle when minimum requirements are met.  Not available to members with AccessBuilder Checking or Electronic Transfer Accounts. ATM refunds up to $10 per cycle if minimum requirements are met.  Otherwise, account reverts to appropriate Lighthouse Relationship Program level with no ATM refunds and no dividend premium for that statement period; monthly service fees may apply.  Minimum checking opening balance: $25. No additional minimum balance required.  Member may opt out of Ultra Rewards checking program at any time.  Only one Ultra Rewards checking benefit is allowed per member.