INSIDE. Let Your Money Work For You This Year! MHCU Youth Scholarship Applications Now Available.

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1 INSIDE Winter Let Your Money Work For You This Year! Introducing Jumbo Certificates! Jumbo Certificates offer higher rates for larger deposits. With a minimum of $100,000 to open, you ll earn higher dividend rates than our standard share certificate. You can choose from one to five year terms. Go to for rate information and open your Jumbo Certificate, today! Now Offering Tiered Money Market Accounts! Your money market account earns a higher interest rate than your regular saving account, so it pays to save. Your money market account is also flexible, similar to your checking account, so you can access funds when you need them! Money Market Account benefits include: Competitive rates Six transactions via check, automatic debit, online banking, telephone order or a combination Monthly interest earned on accounts carrying a balance of at least $2,500 Tiered interest rates offer higher money market account rates for higher balances Sign up for a Members Heritage Money Market Account and start earning greater returns for your money! The National Credit Union Administration (NCUA), a US government agency, protects your money market account. Funds are insured up to $250, MHCU Youth Scholarship Applications Now Available See page 5 for details. Page 2 Online Lending Auto Loan estatement Promotion Page 3 Christmas Club Heritage Loan ezcardinfo Members Insurance Services Page 4 Mobile Deposit Indirect Lending Skip-A-Payment Page 5 ScoreCard Rewards Annual Meeting Scholarship Page 6 Business Lending Holiday Closings

2 2 Open a Loan or New Membership from Your Phone! Always Low Auto Loan Rates No promotion dates. No expiration. Repayment terms are flexible 100% financing available Please call, stop by any of our convenient locations or visit our website. * This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. In-house refinances require an additional $500 in new money. Go Green Sign Up for estatements Today! Receive $10! Sign up for estatements in January and you will receive $10 deposited into your account! It s easy to sign up! Simply go online to Go to the eservices tab and click on estatement Enrollment. We know you re busy, so we want to make this easy. There s no need to come to a branch office, just visit and fill out your loan application within mere minutes! Need to open an additional account or have a family member open a new account? Now you can open a new membership account, completely online, too! Visit on your schedule, anytime, anywhere!

3 3 Consolidate Higher Rate Loans and Credit Cards With the Help of a Heritage Loan! Get a Great Rate and Fixed Monthly Payments Take up to 48 Months to Repay No Prepayment Fee Entry to Win $500! ezcardinfo Members Heritage makes managing your credit card account online easy with ezcardinfo. View your account balance, available credit, payment information, account activity and more quickly and securely. The site is encrypted and fully protected, so you ll have comfort knowing that your credit card information is secure. To enroll, or for more information, visit * Minimum loan amount $500. All MHCU loan refinances must include an additional $500 in new money. Drawing will occur in February, March and April for previous month s booked loans. No purchase necessary to be entered into drawing. To enter, send in your name, address and phone number to MHCU, Attn: Marketing, 440 Park Place, Lexington, KY Entry to Win $500! Christmas Club It s never too early to start saving for the holidays! Low $5.00 minimum opening balance. Deposits can be made by payroll deduction. Dividends calculated on average daily balance, paid quarterly. Dividend Rate (balances up to $2,500) are 1.00% above Current Share Rate. Dividend Rate (balances over $2,500) are at our Current Share Rate. No Annual Fee Early Withdrawal Fee $10.00 Early Withdrawal Penalty Account Closed Entire account balance is deposited into your primary Share Savings account (or other designated account) on October 1st. We offer Insurance! Let us help you save money. Auto, Home, Life, Business and More with Members Insurance Services. Contact us today for a competitive quote at or Open your MHCU Christmas Club account today! * Christmas Club accounts are limited to one per member.

4 4 Easy MHCU Car Financing at the Dealership Put yourself behind the wheel of a new car this year with MHCU s Indirect Lending Program. You can find your dream car, finance it directly on the lot and drive away, all in the same day! Simply tell the salesperson that you are a Members Heritage member, and you want your loan with us no need for a special trip to the credit union. Indirect Lending dealers can even open new accounts, so your family may also be eligible for our financing. For a list of participating dealerships close to you, go to Or give us a call at. Mobile Deposit Anytime. Any place. Skip-A-Payment Need a little cash after the holidays? You can now skip a loan payment* and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped. To take advantage of this offer, print out a coupon online at (under Loans/Apply online/skip-a-payment) and return by mail or bring it to one of our convenient locations. * In order to participate, all loans must be current and accounts must be in good standing. Loans that have an extension or payment modification within the last year may not qualify. This offer does not apply to first mortgages, home equity loan/second mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability, credit life insurance and/or GAP claims may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply. Use the Members Heritage Mobile App to deposit checks in a snap with your iphone or Android device. Deposits are quick, convenient and secure.

5 5 Annual Meeting Have ScoreCard Reward Points to Redeem? Come and celebrate MHCU s 59th Anniversary this year at the Annual Membership Meeting! Date: April 2019 Go to ScoreCardRewards.com and enjoy a diverse range of products to choose from: Location: Fayette County Extension Office Cashback credit Gift cards Charity gift card choose from over 1,000 charities to donate money! Gifting to another individual* Light Refreshments: 6 p.m. Meeting: 7 p.m. Tickets will be available at all branch locations in March. Meeting date to be announced. And don t forget, we also offer merchandise and travel rewards with our ScoreCard program! * Some restrictions apply. See scorecardrewards.com for complete details about gifting to another individual MHCU Youth Scholarship MHCU is pleased to announce the return of our annual Youth Scholarship program. Graduating high school seniors are encouraged to apply for the $2,500 award Graduating high school seniors are encouraged to apply for the $2,500 award. To qualify, a student: Must be a member of the credit union, Plan to be enrolled full-time in undergraduate study at an accredited college or university in fall 2019, and Have a minimum grade point average of 3.00 An impartial committee comprised of MHCU volunteers and employees will select recipients. Winning students will be notified before the close of the school year. Deadline for entry is March 31, For more information, pick up a brochure at any of our locations or visit for full details and an application form. A total of four winners will be chosen

6 Holiday Closings New Years Day Tuesday, January 1 Martin Luther King Day Jr. Day Monday, January 21 Presidents Day Monday, February Park Place Lexington, KY Like us on Facebook! Locations and Hours Park Place 440 Park Place Lexington, KY Fax M F 8 a.m. to 5 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Federal Medical Center (FMC) (Employee Access Only) 3301 Leestown Road Lexington, KY Fax M F 8 a.m. to 4:30 p.m. Pimlico 3202 Custer Drive Lexington, KY Fax M F 8 a.m. to 5 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Members Way 2420 Members Way Lexington, KY Fax M F 8 a.m. to 5 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Winchester 339 Shoppers Drive Winchester, KY Fax M F 9 a.m. to 5 p.m. M F 9 a.m. to 5:30 p.m. Lexmark (Employee Access Only) Lexmark Building 003 Lexington, KY M F 8 a.m. to Noon Nicholasville 1039 N. Main Street Nicholasville, KY Fax M F 9 a.m. to 5 p.m. M F 9 a.m. to 5:30 p.m. Visit Us Online. Be sure to check out on a regular basis. Find news, articles and information about your credit union. MHCU Board of Directors Bobby A. Flynn Chairman Jim Allen Vice Chairman Mike Proctor Secretary Manlus Les Burton Treasurer Mike Harding Director Michelle Thomas Associate Director Federally Insured by NCUA Business Lending MHCU offers Business Accounts and Loans! Companies can choose from our Basic and Classic Business Share Draft Checking accounts. We also offer Commercial Real Estate Loans, Corporate Vehicle Loans and Secured Operating Lines of Credit.* For more details on Business Accounts, please contact us at ; for details regarding business loans, contact Cooperative Business Services at cbscuso.com. * Minimum loan amount = $50,000. Membership eligibility requirements apply. This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from istock and/or Fotolia Members Heritage