* The FreeStar Star Member grand prize winner receives $5,000 in cash. FreeStar Financial Credit Union will provide a 1099 to the winners, in accordance with IRS regulations. Winners agree to sign a promotional photo release. Offer subject to change. 10 Star Member finalists will be invited to a Star Member event on December 21, 2024, where one (1) grand prize winner and two runner-up winners will be randomly selected from the finalists. No purchase required to participate. Odds of receiving a winning FreeStar Star Member ticket are 1 in 1,000. To be eligible for the grand prize, finalist must be a FreeStar member in good standing with an open membership, no charge-offs or negative account balances. Void where prohibited. NCUA insured. Equal Housing Lender.

** Choose the Boomerang Rewards checking plan that fits your lifestyle. Option 1: Cash Back Rewards offers 4% cash back on purchases every month, up to $8 per month. Option 2: Dividend Cash Rewards lets you earn 4% Annual Percentage Yield  on balances up to $7,500 every month. Balances over $7,500 will be paid at 0.05% APY. Valid on regular checking accounts, must be at least 16 years old. In order to earn a cash back or dividend reward, the following requirements must be satisfied each monthly qualification cycle: 1) A minimum of 15 FreeStar Financial debit Mastercard point of sale (POS) purchases of $5 or more must post to the account. 2) Member must be enrolled in monthly eStatements, with a valid email address, for the account.

A monthly qualification cycle is defined as the first day of the current statement cycle through the end of the day on the last day of the month. Members must be considered in good standing to qualify for a reward. If one of the following exists as of the last day of the month, the member will not qualify for a reward:

• The required $10 in the share (primary savings) account is not maintained.
• Cannot be 30 days or more delinquent on a loan.
• Cannot be 30 days or more with a negative balance in any account.
• The overdraft protection limit of $750 cannot be exceeded.

*** APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term, and other determining factors. The “as low as” rate of 5.99% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A loan of $20,000 at 5.99% APR for 60 months would have a monthly payment of $386.56. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender.