At Access Credit Union, you benefit from all the features like the big banks without the fees or hassles.

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Melvyn Gibbs
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At Access Credit Union, you benefit from

1 WINTER 2018 THE NEWSLETTER FOR MEMBERS OF ACCESS CREDIT UNION Mobile Is Magic Need a better way to bank? Sign up for our free Checking Account, then take convenience to the next level with our free Mobile App. Pair it with hassle-free direct deposit for even more flexibility. At Access Credit Union, you benefit from all the features like the big banks without the fees or hassles. This Holiday Season, Go Mobile and Love The Added Convenience: Download your free app from the App Store or Google Play. Make transfers and loan payments, pay bills, and track balances, all from your mobile device. Remote Deposit Capture Snap a shot of your endorsed check and transmit the deposit to us via your smartphone. Save time and money and make life easier with our free Mobile App. To learn more visit us at

Build A Brighter Future Insight Advisors Can Make A Difference *

Management Department, is ready to assist with your financial

Advisors can assist with 401K rollovers, investment and retirement

Trust & Estate Planning: Manage, invest and preserve financial assets

for retirement Maintain wealth after retiring Get started on a

Just call 215-970-7171 or visit myinsightadvisors.

Firm. Buying A Home? Check out our convenient mortgage options.

10, 15, 20 & 30-Year Terms (Owner Occupied) Borrow up to 80%

2 Build A Brighter Future Insight Advisors Can Make A Difference * Serving members for nearly 20 years, Insight Advisors, our Wealth Management Department, is ready to assist with your financial planning needs. Advisors can assist with 401K rollovers, investment and retirement planning, and help guide you through any financial decision. Trust & Estate Planning: Manage, invest and preserve financial assets Trust administration Retirement Planning: Craft a strategy to plan for retirement Maintain wealth after retiring Get started on a brighter financial future. Just call or visit myinsightadvisors.com * Financial Insight Advisors is a Registered Investment Advisory Firm. Buying A Home? Check out our convenient mortgage options. We offer an array of terms, flexible repayment plans and handy escrow accounts. Best of all, you ll have peace of mind doing business locally. 10, 15, 20 & 30-Year Terms (Owner Occupied) Borrow up to 80% Loan-to-Value No Points 15 & 30-Year Terms (Non-Owner Occupied) Borrow up to 70% Loan-to-Value Stop in to start your application or learn more at Rates depend upon underwriting criteria. Call for current rates, terms, and conditions. Origination, closing costs and fees apply.

3 We re Bilingual! If you need assistance in Spanish, ask for Abby or Guillermo. They re ready to serve you and take care of your financial needs. Abby Guillermo We Love Our Members! Did you know that once you re a member of Access Credit Union, you re ALWAYS a member? Just because something changes in your life it doesn t mean you have to say goodbye to Access Credit Union. Whether you relocate, retire or change jobs, we re always here for you! ATMs, Mobile and Home Banking also ensure you can do business from anywhere. Share Us With A Friend They ll appreciate the opportunity to save money on their finances and easy access to their money. Spread the News We re open to anyone who lives, works, worships, owns a business or attends school in Bucks County, as well as their family members. Remember, joining is easy and we serve all of Bucks County! Holiday Shopping Alert: Take Along Your Access Credit Union VISA Card and Save! Rates as low as 8.88% APR * Credit limits up to $30,000 Earn ScoreCard Rewards Shop in-store and online securely Manage your card online with our E-Z Card Benefits Apply today at or call * APR=Annual Percentage Rate. Rate based on creditworthiness of individual applicant and subject to change without notice. Approval based on normal lending guidelines.

4 Homeowners Take Note: Home Equity Loans are your best financing solution. Using your home as collateral, a home equity loan or credit line offers a lower rate than most other types of financing. And, you can use the loan for practically any reason such as home improvements, a new car, college even an investment opportunity. You can also use this type of financing for debt consolidation. It makes managing the overall debt easier, and instead of juggling multiple monthly payments, you re making only one. Since your home is used as collateral for the loan (via a second lien), there is some risk. But when you take a sensible approach and make diligent payments, you can control your debt and pay off the loan off faster. Versatile options: Fixed-Rate Home Equity Loan (closed-end) A set loan amount and fixed rate make this a prudent choice. Fixed payments make budgeting easier. Use it to pay off debt or for a one-time purchase. Variable Rate Home Equity Line-of-Credit (open-end) It serves as an ongoing credit line, with funds available as you repay. Use it to consolidate debt or for approaching needs. Call us to learn more at Both home equity options offer the potential for tax savings. See your tax advisor for assistance. Stuff Your Stockings! With Our Holiday Loan As Low As 7.99% APR* Terms Up To 12 Months First Payment Deferred Until 1/15/2019 Relax, and shop for the holidays with ease! Buy gifts, entertain or dine out, or deck the halls. Whatever you need, this low-cost loan is the perfect solution. Call or apply online at *APR = Annual Percentage Rate. Rate effective December 1, 2018, and subject to change without notice. Contact the credit union for the complete details.

5 Member Appreciation Day Thank you for joining us on November 1 st! We enjoyed the fun, food and giveaways and added camaraderie. Holiday Convenience With Apple Pay and Google Pay! Forget about carrying large amounts of cash this holiday season. Simply download our new Apple Pay or Google Pay app to your smartphone. Use at stores, restaurants, hotels, online and more. It takes just a few taps to link your Debit Card to Apple Pay or Google Pay. Both apps are convenient and secure. If you love your smartphone, you ll love our payment app! Visit mbanking.php to get started Holiday Closings Christmas Day 2018 Tuesday, December 25 New Year s Day Tuesday, January 1 Martin Luther King Jr. Day Monday, January 21 Presidents Day Monday, February 18 Memorial Day Monday, May 27 Independence Day Thursday, July 4 Labor Day Monday, September 2 Columbus Day Monday, October 14 Thanksgiving Day Thursday, November 28 Christmas Day Wednesday, December 25 New Year s Day 2020 Wednesday, January 1

6 23 Commerce Circle, Bristol, PA Office: Toll Free Fax: Routing Number IN THIS ISSUE... Mobile Banking Insight Advisors Holiday Loans Home Equity Benefits Car Buying Checklist Lobby & Drive Up Hours Mon - Wed: 8:00 AM to 5:00 PM Thurs & Fri: 8:00 AM to 6:00 PM Saturday: 8:00 am to 12:00 pm Federally insured by NCUA PRSRT STD U.S. POSTAGE PAID BOYERTOWN, PA PERMIT NO

INSIDE. Happy Credit Union Month! What Makes Our Credit Card Amazing? Fall 2016

INSIDE. Happy Credit Union Month! What Makes Our Credit Card Amazing? Fall 2016 INSIDE Fall 2016 www.mhcu.org Happy Credit Union Month! At Members Heritage, we are celebrating Credit Union Month in October. This is our way of saying thanks to each of you for your loyalty with MHCU.