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Payment Allocation: Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Minimum Payment Due to the owed monthly interest, fees and highest balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

1 Qualifying transactions of $4,000 or more made within 6 months following the account opening will earn 30,000 bonus points. Qualified transactions of $.50 or more qualify for CU SoCal Dream Points with the following exceptions: cash advances; balance transfers, convenience checks, quasi-cash (purchases that are directly convertible to cash such as casino gaming chips, money orders, wire transfers, travelers checks), finance charges, fees, unauthorized/fraudulent transactions, and credit card purchases for less than $.50. Qualified credit purchases will result in one (1) point for every one ($1) dollar spent, rounded to the nearest dollar. All transactions and points are subject to verification. The point balance is the total of points awarded, less points that are deducted for returns and adjustments. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point balance during the dispute period. Points will be posted 30 days after meeting the requirements. Offer effective September 1, 2023 for new Cardholders and is subject to change without notice.

2  All CU SoCal Debit and Credit Card purchases qualify with the following exceptions: cash advances; balance transfers; convenience checks; quasi-cash (purchases that are directly convertible to cash such as casino gaming chips, money orders, wire transfers, travelers checks); finance charges, fees, and credit insurance; purchases made by or for a business; unauthorized/fraudulent transactions; debit card purchases for less than $1.50; and credit card purchases for less than $.50. Qualified debit purchases will result in one (1) point for every five dollars ($5) spent, rounded at each increment of $1.50. Qualified credit purchases will result in one (1) point for every one ($1) dollar spent, rounded to the nearest dollar. Bonus points are occasionally awarded for merchant specific and CU SoCal special promotions. All transactions and points are subject to verification. The point balance is the total of points awarded, less points that are deducted for returns and adjustments. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point balance during the dispute period. If the transaction is reinstated, the points will be reinstated. Offer subject to change without notice. Merchant specific incentive bonus points may be awarded for qualified online and in-store purchases by the merchant funded Ampre program. All eligible CU SoCal cards are automatically enabled to receive the incentive bonus points. The incentive bonus points will be delivered to your point balance from the merchant within 30 days of the transaction date. The merchant offers are described on WWW.DREAMPOINTS.COM/CUSOCAL. You may visit WWW.DREAMPOINTS.COM/CUSOCAL to learn about the current offers, and if you provide your email address you may agree to receive all future Ampre correspondence and notices electronically to that email address. New merchant offers are updated periodically and email is the primary method to notify you. It is your responsibility to update changes to the email address on file at WWW.DREAMPOINTS.COM/CUSOCAL. Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000).