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*APR=Annual Percentage Rate, WAC=With Approved Credit. Promotional offer runs November 15, 2025 - January 15, 2026. 1.00% Off Qualified APR offer is applicable to the following fixed rate loans only: auto, motorcycle and recreational vehicles (60-month and higher terms), fixed rate second mortgages (LTV of 80% or less), and fixed rate signature loans. Lowest possible rates under this promotional offer are as follows: 4.70% APR on Auto loans, 5.74% APR on Motorcycle loans, 6.49% APR on Fixed Rate 2nd Mortgages, 7.24% APR on RV Loans, and 10.00% APR on Signature Loans. May not be combined with any other promotions or rate reductions. Existing Space Age Loans are eligible to be refinanced under this promotion, but are subject to a 1% refinance fee. 90-Days of no payments begins on loan origination date. Interest continues to accrue during the 90-days of no payment. One chance to catch the Gingerbread per member per loan. Member will draw an envelope (to “Catch” the Gingerbread Man) at the time of closing, and in the presence of a Space Age Financial Services Representative. Prizes vary in value, with the “grand prize” for catching the Gingerbread Man being a $250 VISA Gift Card. Free Gingerbread Man Cookie with every loan, while supplies last. Space Age Credit Union reserves the right to cancel or extend this promotion at any time without notice.