MEMBER - 8694156.fs1.hubspotusercontent-na1

MEMBERSERVICESSEE WHAT THE BENEFITS OFSMART MEMBERSHIPHAVE TO OFFER YOUR FAMILY.

SAVINGS ACCOUNTS1 Regular SavingsBerenstain Bears Cub Account(up to age 13)Club, Holiday and Vacation AccountsIndividual Retirement Account (IRA)Money Market Account2Share CertificatesCHECKING ACCOUNTS1 Basic CheckingCU60 Checking (age 60 and over)eXtreme Checking (ages 14-21)Fresh Start CheckingPremium Checking (provides dividendearnings2)Checking Account Features No per-check chargesFree ATM deposits and withdrawals atPeach State ATMs3Overdraft protection linked to savingsC.A.R.E.S. Visa Debit Cards No annual feeNo charge from Peach State to get cashback when making purchases at manyretail locationsDebit Card/ATM managementRound Up Program1 Electronic statements: free Paper statements: 42 Fees may apply for accounts with balance requirements3 Balance inquiries: .50 each

LOANSWe offer a variety of loans to fit your life!Apply online, visit a branch, or call our LoansBy Phone Center at 770.580.6000 to speakwith a Loan Specialist.4 Auto, recreational vehicles andpersonal loansFresh Start Auto Loan ProgramReady, Set, Drive! First Time Auto LoanProgramShare SecuredVisa Platinum Credit Cards Student Visa Credit Cards availableBusiness Visa Credit Cards (COMING SOON!)Low fixed rates, no annual fees,paperless statements availableOptions with rewards4 Some loans may require additional documents to be signed inperson at a branch

FIRST MORTGAGESWe have mortgage experts on staff and offer acomplete suite of mortgage products to helpyou finance your home. Adjustable Rate Mortgages (ARMs)ConventionalConstructionFederal Housing Administration (FHA)First Time Buyer ProgramsUS Department of Agriculture (USDA)Veterans Affairs (VA)To get started, apply online or call ourMortgage Services Department at770.580.6098.HOME EQUITY LOANTake advantage of the equity you’ve built inyour home with a Home Equity Line of Credit(HELOC) or Second Mortgage.HELOCs Convenient access to money whenyou need itAdjustable rateLines up to 150,000Low closing costsNo prepayment penaltySecond Mortgages Fixed rateBorrow up to 150,000Low closing costsNo prepayment penaltyTo apply, call 770.580.6000 or visit a branch.

DIGITAL SERVICESOnline and Mobile Banking5 Same sign-on for Online and MobileBankingReset username and password 24/7View accounts, transfer money and paybillsBill Pay is free when you sign up foreStatementsSet alerts for low balances, large dollartransactions and moreMobile Check DepositMobile Wallet (pay with your smartphone)Separate login available for joint ownersSingle sign-on to access your Peach StateVisa Credit CardView and print check images andstatementsPull tax forms5 Based on your wireless plan and mobile carrier’s offering,additional message data fees may apply

ADDITIONAL SERVICESDirect DepositInsurance GAP Protection with Auto DeductibleReimbursement (ADR)Extended Warranties for VehiclesAccidental Death and DismembermentAuto, Homeowner’s, Dental and more Debt Protection for Loans Life, Disability and Involuntary UnemploymentPayroll Deduction Safe Deposit Boxes (select locations)Shared Service Centers Visit co-opfs.org/Shared-Branches-ATMs tosearch for locationsMake deposits, withdrawals and loanpayments (fee may apply)Small Business Loans and ServicesVehicle Buying Services Auto Assistance: 770.476.9770 cuautosearch.com Notary and Signature GuaranteeVisa Gift CardsWire Transfers

PEACH STATEC.A.R.E.S.A BRAND PROMISEThe heart of Peach State Federal CreditUnion is found in our dedication to:Community Arts Responsibility Education ServicePeach State C.A.R.E.S. so that our members andcommunities may continue to grow.peach state fcuC.A.R.E.S. FUNDATIONOur commitment to care guided us to create thePeach State FCU C.A.R.E.S. Foundation in 2021. TheFoundation helps our members and communitiescontinue to grow through charitable contributions, andsupport of the arts and education.The Foundation is supported by our C.A.R.E.S. VisaDebit Card Program. For every purchase made with aPeach State Visa Debit Card, Peach State will donate anickel to the C.A.R.E.S. Foundation.Members who use their Peach State Visa Debit Cardinstead of cash, checks or other cards make a meaningfulimpact in our community with every purchase!To learn more about all of the ways we serve ourcommunities, please visit peachstatefcu.org/CARES.How do I become a member?Visit any of our branch locations to complete anapplication and open a Savings Account with an initialdeposit of 5 and pay a one-time membership fee ( 5)and USA Patriot Act recovery fee ( 5). The 5 depositrepresents your share in Peach State and is held ondeposit while you’re a member. Once your SavingsAccount is opened, you’ll have immediate access to allof our products and services.6 0.05 per transaction of Peach State Federal Credit Union’smerchant interchange income from our Visa Debit Card programis used to benefit the communities we serve. We will determinewhere/how funds are disbursed. This does not affect members’accounts nor will any member information be disclosed. Youwill not incur any additional fees or charges from this program.Merchant interchange income is derived from fees that a merchantpays to accept credit/debit card payments. The C.A.R.E.S programmay or may not apply to ATM transactions, certain commercialtransactions, or other transactions not processed by Visa.

SMART CONNECTIONSPlease visit peachstatefcu.org for acomplete list of branch locations.To learn more about how Peach State cares,visit peachstatefcu.org/CARES.678.889.4328 855.889.4328MemberLine: 24/7 Telephone Banking770.338.4180 706.543.1699Loans By Phone770.580.6000Report a Lost or Stolen Visa Credit CardAfter Hours800.325.3678Report a Lost or Stolen ATM or Visa DebitCard After Hours770.338.4180Federally insured by NCUA.NMLS ID# 483559PSF-MKT-MSBR-01-205.2022

LOANS We offer a variety of loans to fit your life! Apply online, visit a branch, or call our Loans By Phone Center at 770.580.6000 to speak with a Loan Specialist.4 Auto, recreational vehicles and personal loans Fresh Start Auto Loan Program Ready, Set, Drive! First Time Auto Loan Program Share Secured Visa Platinum Credit Cards