Offer Disclosures

$10 Debit Offer

*To be eligible, members must be on the targeted list, and account(s) must be in good standing. Member must use their debit card 10 times before the expiration date listed on the marketing piece to be eligible for the $10 offer. If all criteria is met, a $10 cash bonus will be automatically deposited into the member’s Alltru savings account within 15 days of qualifying behaviors being met. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. See credit union for more details.

$100 Alltru100 Offer

*To be eligible, members must be on the targeted list, use code Alltru100 on the new account or loan application, and have a new account(s) or loan(s) opened by the expiration date listed on the marketing piece. Member’s account(s) must be in good standing condition at the time of bonus disbursement. If all of the criteria are met the $100 Bonus will be deposited into the member’s regular savings account within 15 days of qualifying behaviors being met. Offer not valid for existing Alltru Credit Union auto loans. The maximum bonus payout is $100 for this offer.

The bonus will be reported to the IRS for tax purposes. You are responsible for any applicable taxes.

Pre-selection does not ensure final loan approval. Other criteria are considered in the approval process, including, but not limited to, your income, debt-to-income ratio, loan-to-value ratio, collateral value, and ability to pay in relation to the loan amount requested. See credit union for details.

$200 Rewards200 Checking Offer

*Earn rewards on TailorMade Rewards Checking accounts only. Must meet account requirements to qualify. View full account terms and conditions.

To be eligible for the $200 bonus, the member must be on the targeted list and meet the following requirements: a) Open a new TailorMade Checking account by the expiration date listed on the marketing piece using special offer code REWARDS200 at account opening b) Have a total of two $500 direct deposits within 60 days of account opening. Direct deposit may be a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency. We reserve the right to request documentation that the direct deposits qualify. c) Enroll in Alltru Online Banking and set up paperless e-statements. You must still be enrolled in paperless statements when the cash bonus is credited.

This offer is not available for existing Alltru personal checking members (including signers on joint accounts) or those who have closed an Alltru personal checking account within the past 12 months. Bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Your account must be open, in good standing, and must have a balance greater than zero when the bonus is paid via an automatic deposit into your primary savings account 15 days after all required activities are met. We reserve the right to amend or cancel any part of this offer at any time.

$200 Yay200 Offer

*To be eligible for the $200 bonus, the member must be on the targeted list and meet the following requirements: 1) Open a new Alltru Credit Card or new Checking account (TailorMade Rewards or Opportunity) using offer code Yay200 before the expiration date listed on the marketing piece. 2) Checking account must have at least one direct deposit posted to the account within 60 days of account opening. Bonus will be disbursed via an automatic deposit into member’s primary savings within 15 days of qualifying behaviors being met. Member’s account(s) must be in good standing and the account must have a balance greater than zero to be eligible for the $200 bonus. The maximum bonus payout is $200 for this offer. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. Additional criteria may apply. All loans are subject to credit qualification and approval. See credit union for full account terms and conditions.

$25 HelloAgain Offer

*To be eligible for the $25 offer, members must be on the targeted list, and account(s) must be in good standing to receive the bonus. Required activities include: opening a new High Yield Online Savings account with a minimum deposit of $25 using offer code HELLOAGAIN by the expiration date listed on the marketing piece. If all criteria are met, the $25 bonus will be automatically deposited into the member’s Alltru savings account within 15 days of qualifying behaviors being met. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. See credit union for more details.

High Yield Online Savings Account balances between $0-$25,000 will earn a 2.00% APY if qualifications are met. Balances greater than $25,000 will receive the primary savings account APY of 0.05%. Rate effective date 3/20/2023. Qualifications to earn dividends at the disclosed rate include: (a) consent to receive your periodic statements electronically; and (b) have an open, active checking account with us, with at least 1 ACH deposit or withdrawal per month. No minimum balance requirements apply. All transactions, including transfers, deposits, and withdrawals, must be conducted online. Only one High Yield Online Savings account may be opened per social security number.

$25 Kids25 Offer

*To be eligible for the $25 Youth Offer, members must be on the targeted list, and account(s) must be in good standing. Required activities include opening a new Cubby Youth Savings, StepOne savings, or StepOne checking account with a minimum deposit of $25 using special offer code KIDS25 by the expiration date listed on the marketing piece. The matching deposit is limited to one per child and will be automatically deposited into the youth member’s Alltru savings account within 15 days of qualifying behaviors being met. The maximum matching bonus equals $25. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. A joint owner over the age of 18 must be listed on all Cubby Youth or StepOne Teen accounts. See credit union for more details.

$5 Debit Offer

*To be eligible, members must be on the targeted list, and account(s) must be in good standing. Member must use their debit card 10 times by the expiration date listed on the marketing piece to be eligible for the $5 offer. If all criteria is met, the $5 bonus will be automatically deposited into the member’s Alltru savings account within 15 days of qualifying behaviors being met. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. See the credit union for more details.

$50 1st Year Anniversary Offer

*To be eligible, members must be on the targeted list and use offer code 1Year50 on the new checking or savings account application and open the new account(s) before the expiration date that is listed on the marketing piece. Member account(s) must be in good standing to be eligible for the $50 offer. The maximum bonus dispersed is $50. The $50 bonus will be automatically deposited into the member’s Alltru savings account within 15 days of meeting qualifications. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. See credit union for more details.

$50 Annual Anniversary Offer

*To be eligible, members must be on the targeted list and use the offer code HappyDay on new savings or checking account applications and open a new account(s) before the expiration date that is listed on the marketing piece. Member account(s) must be in good standing to be eligible for the $50 offer. The maximum bonus dispersed is $50. The $50 bonus will be automatically deposited into the member’s Alltru savings account within 15 days of meeting qualifications. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. See credit union for more details.

$25 Matching Offer

*To be eligible, members must be on the targeted list, and account(s) must be in good standing. Member must deposit $25 into the account by the expiration date listed on the marketing piece. If all criteria is met, the $25 bonus will be automatically deposited into the member’s Alltru savings account within 15 days of qualifying behaviors being met. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. See credit union for more details.

$100 AlltruAuto Offer

*To be eligible, members must be on the targeted list, use code AlltruAuto on the new account or loan application, and have a new account(s) or loan(s) opened by the expiration date listed on the marketing piece. Member’s account(s) must be in good standing condition at the time of bonus disbursement. If all of the criteria are met the $100 Bonus will be deposited into the member’s regular savings account within 15 days of qualifying behaviors being met. Offer not valid for existing Alltru Credit Union auto loans. The maximum bonus payout is $100 for this offer.

The bonus will be reported to the IRS for tax purposes. You are responsible for any applicable taxes.

Pre-selection does not ensure final loan approval. Other criteria are considered in the approval process, including, but not limited to, your income, debt-to-income ratio, loan-to-value ratio, collateral value, and ability to pay in relation to the loan amount requested. See credit union for details.

Deposit $25, get $50

*To be eligible, member must be on the targeted list and $25 must be deposited into their Alltru account by expiration date listed on marketing piece. Members account(s) must be in good standing to qualify. $50 bonus will be automatically deposited into the members Alltru savings account within 15 days of qualifying behaviors being met. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. Contact the credit union for more details.

Add Checking, Savings, or Loan, get $50

*To be eligible, member must be on targeted list and add a new savings account, checking account, or loan to their existing Alltru membership by expiration date listed on marketing piece. Account(s) must be in good standing to qualify. If all criteria is met, a $50 cash bonus will be automatically deposited into the member’s Alltru savings account within 15 days of qualifying behaviors being met. The bonus will be included as earned interest, is taxable, and may have tax implications; please consult your tax attorney for additional information. All loans are subject to normal lending criteria and approval. See credit union for more details.

$300 Home Depot Gift Card

APR = Annual Percentage Rate. Rates effective 3/1/2023. Loans are subject to normal lending criteria and approval. If approved, your rate will be based on your credit history and loan term, and may be higher. The quoted 3.99% APR is a special fixed introductory rate for the first 6 months on Home Equity Lines of Credit (HELOCs). After 6 months the introductory rate will expire, the new rate will be based on the current Prime Rate plus margin. The current maximum HELOC rate is 18.00% APR. HELOCs have a variable rate that can adjust monthly based on changes in the Prime Rate. Rates and terms subject to change based on market conditions and borrower eligibility. HELOCs are only available in Missouri and Illinois and are not valid for homes in a trust. Minimum loan amount of $10,000. 1. Earn a $300 Home Depot eGift Card when you open a Home Equity Loan or Home Equity Line of Credit by June 30, 2023. Must mention this offer to Alltru representative prior to loan opening to receive egift card. The gift card will be distributed to member via email after loan opening. NMLS ID #408163

We reserve the right to amend or cancel any part of these offers at any time.

Updated 3/31/23