¹Home Equity Line of Credit (HELOC) Referral Terms:
Important Information: We cannot disclose any information about your friend’s accounts. By referring someone, you authorize the sending of communication to the referred person and indemnify Valley Strong Credit Union for any claims that arise from the communication. You authorize Valley Strong Credit Union to include your name and the referred individual's first name in the referral communication to identify the source of the referral.

Eligibility:
The referring Member must be 18 years of age and have a current Membership with Valley Strong Credit Union that is in good standing. You are not eligible for a referral bonus if you or anyone associated on your account uses your own referral code to open a new HELOC. To receive a bonus, the referred person must meet all offer criteria. Referring Members can make an unlimited number of HELOC referrals; however, can only earn a maximum of $2,000 per calendar year in HELOC referral bonuses. In the event the HELOC referral bonuses exceed the $2,000 limit, you may be awarded a partial amount to keep your total bonus at $2,000.

The referred Member must enter the referral code and submit an application online before closing on a new home equity line of credit (HELOC) offered by Valley Strong Credit Union. A Share Savings with a minimum balance of $5 is required for Membership. Upon funding, all disbursements from your new HELOC must be deposited via ACH wire transfer into your Valley Strong account. No other disbursement methods or destination accounts will be permitted. Funding for your new HELOC must occur within 30 days. Membership must remain open and in good standing for 60 calendar days from your HELOC funding date. The HELOC referral bonus offer is available to eligible Members approximately 61 days after the loan has been funded and will be deposited into the Member's Share Savings account. The referral promotion may be used once per referred Member, regardless of eligibility or outcome. Subsequent attempts by the same referred Member are not eligible. Referred Members may still refer others who open a HELOC and earn referral bonuses of up to $2,000, subject to program terms and limits.

Good Standing:
Your account is in "good standing" if it is:
• Currently open
• Not flagged for overdrafts
• No more than 30 calendar days past due on any loan payments, if applicable
• Not flagged for fraudulent activity of any kind

Bonus:
Eligible home equity line of credit (HELOC) will earn a $500 bonus.

Trust accounts, managed accounts and business accounts are not eligible. Employees of Valley Strong are not eligible.

The Valley Strong Credit Union Home Equity Line of Credit is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. A Valley Strong Credit Union HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Offer valid for home equity line of credit applications received after 4/1/2026. This offer does not apply to loans where the application was submitted prior to 4/1/2026. This is not a commitment to lend. Additional restrictions and conditions may apply. Loans are subject to credit approval. Rates may differ and are based on evaluation of credit history, loan-to-value ratio, and loan term. Rates are subject to change at any time.

Taxes due are the sole responsibility of the recipient. Valley Strong Credit Union will report to the state and federal agencies as required by applicable law. We may be required to send you, and file with the IRS, Form 1099MISC. Please consult with your tax advisor for questions about the impact of this form.

Valley Strong Credit Union reserves the right to modify, restrict, change or terminate the Referral program at any time. If you are flagged for abuse of the program, you will be ineligible for future referral bonuses. By participating in the Program, you agree to these Terms and Conditions. For any questions, please contact Valley Strong Credit Union directly.