*The Holiday Christmas Club promotional dividend rate is 8.00% Annual Percentage Yield (APY) on balances up to and including $2,000. Any portion of the balance exceeding $2,000 will earn the standard dividend rate and Annual Percentage Yield currently in effect for the account, which is 0.15% APY. Promotional rates are accurate as of July 1, 2026, and are subject to change after September 30, 2026. Fees or other conditions may reduce earnings on the account. The promotional 8.00% APY is available only during the promotional period beginning July 1, 2026, and ending September 30, 2026. After the promotional period ends, the account will revert to the standard Holiday Christmas Club dividend rate and APY in effect at that time unless otherwise disclosed by Thinkwise Credit Union. Membership eligibility and account requirements apply. Holiday Christmas Club accounts are subject to the terms and conditions outlined in the Truth in Savings Disclosure, Membership and Account Agreement, and applicable credit union policies. Early withdrawals or account closures may be subject to restrictions or penalties in accordance with account terms.