^* APY = Annual Percentage Yield

1. Offer applies to members using tax services and receiving a refund only. No other funds may be deposited. Fees may reduce earnings. Dividends will be compounded monthly and credited monthly. Penalty may apply for early withdrawal, which could reduce earnings. Rate effective 1/1/2026 and available through 5/31/2026. Rate is subject to change or end without notice. Minimum opening deposit of $1,000 required to obtain APY. Term is 8 months. At maturity, this Certificate will automatically roll into a 12-month share certificate at the then-current rate. The renewal rate and APY will be determined on the maturity date. Other terms may differ. See your maturity notice for details.

2. To be eligible for this giveaway, you must file your 2025 tax returns with Firefighters First Tax Services between January 1 and April 15, 2026. Only Firefighters First Credit Union members are eligible to participate. Eligible filers will receive one entry for individual returns. Joint filers will receive one entry per couple. Employees and Board Members of Firefighters First Credit Union or Firefighters First Tax Services are not eligible to win. Tax extensions and business returns are not eligible for this promotion. The prize includes the winner’s choice of either Disneyland Resort or Walt Disney World Resort: a 3-day park pass for up to four (4) people, a hotel credit of up to $1,500, and a $1,500 gift card for airfare. Park passes and hotel accommodations must be booked in 2026 through the Firefighters First Marketing team. Airfare may be booked directly by the winner using the provided gift card. The winner will be selected via a random drawing from all eligible entries. The drawing will be conducted by a representative from Firefighters First Tax Services or Firefighters First Credit Union and verified by a Marketing representative from Firefighters First Credit Union. The drawing will be recorded. The winner will be notified via the contact information provided on their tax filing. We will make three attempts to contact the winner via email or phone. The winner must acknowledge their winnings by May 15, 2026, or a new winner will be drawn. Winners are responsible for any federal, state, or local taxes based on prize value. Consult a tax professional for more information. Disney is in no way affiliated with this promotion. See official terms and conditions for details.