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¹ APR denotes Annual Percentage Rate. Rates, terms, and conditions are subject to change. Please see the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Credit Card Account Opening Disclosure and the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure for full terms and conditions.

²The average APR on credit card accounts carrying a balance was approximately 21% in February 2026 (Federal Reserve). The average credit card balance was approximately $6,768 in 2025 (Experian). Based on a simple annual interest comparison using these figures, a 9.90% APR could reduce annual interest costs by up to hundreds over time. Illustrative example only. Actual savings may vary.

³ You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. Some exclusions may apply. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.

⁴ Rates, terms, and conditions are subject to change. Please see the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Credit Card Account Opening Disclosure and the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure or the Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement and Disclosure and the Visa® Founder's and Visa® Alumni Rewards Credit Card Account Opening Disclosure for full terms and conditions.

⁵ APR denotes Annual Percentage Rate. Rates, terms, and conditions are subject to change. See the Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement and Disclosure and the Visa® Founder's and Visa® Alumni Rewards Credit Card Account Opening Disclosure for full details.

⁶ PSECU Visa® Classic Card/Visa® Alumni Classic Card/Secured Visa® - Introductory APR Offer: APR denotes Annual Percentage Rate. PSECU is offering an introductory rate of 0.00% APR for purchases made with newly acquired Visa® Classic Card, Visa® Alumni Classic Card, and Secured Visa® credit cards opened by members between July 1, 2026 and September 30, 2026. To activate the introductory rate, your first purchase must post to your account by September 30, 2026. Once activated, you will have 3 months from the date your first purchase posts to your account to make additional purchases at 0.00% APR. This is referred to as the “Purchase Window”. To be eligible for the 0.00% APR, all purchases must post to your account during the Purchase Window. The 12-month Promotional Period for the 0.00% APR begins on the date your first purchase posts to your account (the “Promotional Period”). If you make multiple purchases throughout the Purchase Window, only purchases posting to your account on that first day will receive the full Promotional Period of 12 months. Additional purchases posting to your account after the date your first purchase posted to your account will receive 0.00% APR, but only for the remainder of the 12-month Promotional Period.

Example: If your first purchase posts on September 1, 2026, you will receive 0.00% APR on that purchase for the full 12-month Promotional Period through September 30, 2027 (Promotional Period end date). The 3-month Purchase Window ends on December 1, 2026. You may make additional purchases at the promotional rate through December 1, 2026 (end of the 3-month Purchase Window). Any purchases made during the Purchase Window, such as one that posts on November 1, 2026 will also receive 0.00% APR through September 30, 2027 (the same Promotional Period end date as the first purchase but resulting in 10 months at the 0.00% APR).

After the Promotional Period ends, any remaining balance from those purchases (and any new purchases posted after the Purchase Window) will be subject to the standard APR for purchases, which is 9.90% as of 07/16/2026 08:44:40 PM and is subject to change at any time. Purchases are limited to the available credit of your Visa credit limit. Cash advances and balance transfers are not eligible for this introductory rate. PSECU Visa Business Cards are not eligible for this introductory rate offer. Subject to credit approval. See your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure and Visa Classic, Visa Alumni Classic, and Secured Visa Credit Card Account Opening Disclosure for terms of your Visa Classic Card and how payments will be applied. PSECU is not responsible for delays caused by force majeure, acts of God, or third parties in the posting of your purchases. PSECU may terminate this introductory rate offer at any time and without any notice. PSECU will honor this introductory rate for any applications in-process on the date of such termination.

⁷ PSECU Visa® Classic Card/Visa® Alumni Classic Card - Promotional Visa Balance Transfer Rate Offer: PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on July 1, 2026 through September 30, 2026 (“promotional period”). Any Visa balance transfers that post to your account after September 30, 2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply to Visa balance transfers made during the promotional period until June 30, 2027. Thereafter, any remaining unpaid portion of your original balance transfer(s) made during the promotional period will be subject to the current APR for balance transfers, which is 9.90% APR as of 07/16/2026 08:44:40 PM and is subject to change at any time. A Balance Transfer Fee equal to 2.9% of each transfer will be charged when the transfer posts to your account. This fee is separate from any interest or other charges. The total of the balance transfer amount and the Balance Transfer Fee cannot exceed your available credit limit. APR denotes Annual Percentage Rate. Visa balance transfers are limited to the available credit of your Visa credit limit. PSECU Visa Business Cards are not eligible for this promotional rate offer. Payments will be applied as stated in your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure. A minimum of $250 must be requested for balance transfers through digital banking. The 0.00% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s), or co-maker(s). Balance transfers access credit under the terms of your Visa® account as stated in the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure.

⁸ PSECU Visa® Founder's Card/Visa® Alumni Rewards Card - Promotional Visa Balance Transfer Rate Offer: PSECU is offering a promotional rate of 4.90% APR on all Visa balance transfers that post to your account on July 1, 2026 through December 31, 2026 (“promotional period”). Any Visa balance transfers that post to your account after December 31, 2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply to Visa balance transfers made during the promotional period until December 31, 2027. Thereafter, any remaining unpaid portion of your original balance transfer(s) made during the promotional period will be subject to the current APR for balance transfers, which is 15.90% APR as of 07/16/2026 08:44:40 PM. APR denotes Annual Percentage Rate. This is a variable rate equal to the Prime Rate plus a margin of 9.15% and is subject to change at any time. Visa balance transfers are limited to the available credit of your Visa credit limit. PSECU Visa Business Cards are not eligible for this promotional rate offer. Payments will be applied as stated in your PSECU Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement and Disclosure. A minimum of $250 must be requested for balance transfers through digital banking. The 4.90% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s), or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa® Founder's Card/Visa® Alumni Rewards Card account as stated in the PSECU Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement and Disclosure.