INSIDE. Home Improvements? Debt Consolidation? YOUR HOME EQUITY CAN HELP! You could win a $500 Lowe s Gift Card!

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1 INSIDE Spring Home Improvements? Debt Consolidation? YOUR HOME EQUITY CAN HELP! Looking to renovate your home or consolidate debt? A home equity line of credit (HELOC) or 2nd Mortgage can help you leverage your home s value. No Closing Costs on Home Equity Lines of Credit and 2nd Mortgages! No Fees! Low, Variable Rates!* Potential Tax Savings!** Apply online at or call or. This offer ends June 30! You could win a $500 Lowe s Gift Card! * APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval year terms available. Minimum loan amount = $5,000. MHCU refinances require an additional $2,500 in new financing. Excludes title insurance expenses, if applicable. Proof of homeowners insurance is due at closing. Member saves an average of $125-$450 on closing costs throughout this promotion. MHCU is an equal housing lender. Promotion is valid in Kentucky and Indiana, only. Drawing will occur in May, June and July 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 Promotion effective 4/1/19-6/30/19. ** Consult your tax advisor regarding potential tax benefits on interest paid. April is Youth Month! Let s Celebrate! See page 2 for details. Page 2 Youth Month MobiMoney Health Savings Accounts Page 3 Auto Loan Indirect Lending Auto Refinances Spring Things loan Page 4 Shred-It Events estatements 1 st Mortgages Page 5 Credit Cards ScoreCard Reward Points Members Insurance Services Page 6 Annual Meeting Business Lending Holiday Closings

2 2 Celebrating Youth Month! MobiMoney Consistent control. Constantly secure. Put your card and your phone together, and you have MobiMoney, the mobile app to manage your card anywhere, anytime. From spending limits to transaction alerts, MobiMoney comes with card controls to help keep your money safe. Our young members have limitless potential and starting a financial education early on can be instrumental in helping them achieve it. Help us celebrate National Credit Union Youth Month this April! New membership youth accounts opened in April will receive a $10 deposit from MHCU. With the theme, The future is yours... Picture it! Save for it! Share It! we re encouraging our young members to express themselves through pictures, sharing their vision for their own financial futures so we can help them get there. By staying true to credit union philosophy in an engaging new way, we can set our young members on the path to financial education, understanding and security. Share your vision for your financial future on Instagram or FB with #MembersHeritage and be entered to win a $50 drawing! (5 winners will be drawn.) * Account must be opened in child s name. New Share Savings account requires a minimum $5 deposit. Child s Social Security card must be presented when account is opened. To qualify for the $10 deposit as a new membership account, you must be a new member to the credit union which does not include additional or secondary accounts opened by current members. Now Offering Health Savings Accounts! What is a HSA? A tax favored savings account used to pay medical expenses. Contributions are deductible, just like an IRA. Withdrawals are not taxed when used to pay qualified medical expenses. Interest earnings are tax deferred, and tax free if used to pay qualified medical expenses. How do I know if my current health plan is HSA qualified? The plan must a High Deductible Health Plan (HDHP). Contact your insurance provider or talk to your employer if you have an employer sponsored health plan. What are qualified medical expenses for a HSA? Check out IRS.gov for a list of items Already have a HSA somewhere else? You may transfer or rollover your HSA to Members Heritage! For more information and to open your HSA today, contact us at.

3 3 Drive Home Serious Savings Check out our Always Low Auto Loan Rates! No promotion dates. No expiration. Repayment terms are flexible 100% financing available You could win a Car Care Package (valued at $200) including an oil change, car detailing and a $25 gas card! * This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Your rate may be higher based on your credit history. In-house refinances require an additional $500 in new money. No purchase necessary to be entered to win drawing. Contact us for other cost saving discounts on your auto loan! Get Your MHCU Car Loan at the Dealership MHCU s Indirect Lending Program, Easy as 1-2-3! 1 Find your dream car 2 Finance it directly on the lot 3 Drive away 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 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. $pring Thing$ Loan At MHCU, our Spring Things Loan is like a breath of fresh air! Borrow up to $2,500 for a great low rate. And, you have 12 months to repay. Apply Today! You could win $100 cash! Enter to Win $100 Cash! Have a Car Loan with Someone Else? We may be able to save you money. Refinance your car loan with Members Heritage and receive $150! First payment not due for 60 days.* * $10,000 Minimum loan amount. Does not include in-house refinances. * APR = Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates are subject to approval. Your rate may be higher based on your credit history. Drawing will occur in May and June after promotion ends. No purchase necessary. One entry per person. You may write your name and full mailing address, address and phone number on a 3 x5 index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY $pring Thing$ Loan available until 5/31/19.

4 4 Shred-It Events Members Heritage is happy to provide the following Shred-It events for you this year: May Thursday, May PP 440 Park Place, Lexington 10 am-1 pm July Thursday, July NICH 1039 N. Main St, Nicholasville 12-1 pm September Thursday, Sept. WIN 339 Shoppers Dr, Winchester 12-1 pm October Thursday, Oct. PP 440 Park Place, Lexington 10 am-1 pm Personal shredding only. No businesses, please. Receive $10! Save the Environment. Sign Up for FREE estatements! Sign up for estatements in April and receive a $10 deposit into your account! Benefits include: SPRING IS A GREAT TIME TO BUY! Ready to move into a new home, or refinance your existing one? I can help! As a valued member of Members Heritage Credit Union, you are entitled to a special mortgage lending program through SWBC Mortgage Corporation. Contact me today to learn more about this special program and how we can help you reach your goals of homeownership this year. JAMIE MORRISON SWBC MORTGAGE CORPORATION FINANCIAL INSTITUTION LOAN OFFICER NMLS #6298 GA LICENSE # Park Place Lexington, KY DIRECT: TOLL FREE: ext jmorrison@swbc.com Apply Online at Convenience Access your estatement anytime. Security Your estatement is protected by the latest security measures. Privacy Your estatement notice is sent directly to your address. Flexibility Ability to print a paper copy or to save to your personal computer. Statement Archive Statements are archived for 18 months. And estatements are FREE! Go to and sign up today or stop by any of our convenient locations! Hurry, this is a limited time offer! *Offer valid 4/1/19-4/30/ SWBC. All rights reserved. Loans are subject to credit and property approval. Other restrictions and conditions may apply. Programs and guidelines are subject to change without notice. Rates are subject to change daily. Corporate office located at 9311 San Pedro Avenue, Suite 100, San Antonio, TX SWBC Mortgage Corporation, NMLS #9741 ( Georgia Residential Mortgage Licensee. First Mortgage Services provided by SWBC Mortgage Corporation. Be on the look-out for our NEW Online Banking in June!

5 5 Choose MHCU Credit Cards Members Heritage credit cards give you the freedom of worldwide acceptance at millions of locations. Now, MHCU credit cards have a fixed rate as low as 9.75% APR.* Apply for your MHCU VISA and enjoy the following benefits: NO annual fees NO balance transfer fees Earn ScoreCard bonus points with every purchase Option to view statement online Cash advances at teller window or ATMs And more! We re happy to transfer balances from higher interest cards to your MHCU card for savings. Apply for your card today and get the credit you deserve. * APR = Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. Set credit card rates will range from 9.75%-18.00% APR. Variable VISA credit card rates will range from 10.50%-18.00%. Your rate may be higher based on your credit history. Time to Shop Insurance Rates? Members Insurance Services offers competitive rates on Home, Auto, Business, Life, Pet insurance and much more! For a quote, go to or call Let us help you save money! Contact Members Insurance Services, today! Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Members Heritage CU need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer s choice. Redeeming Your ScoreCard Reward Points If you have a Members Heritage VISA credit card, you are accumulating ScoreCard Reward points. For every $1 you spend, you receive 1 ScoreCard Reward point! Members Heritage is happy to provide this extra bonus to members who carry and use our credit card. Redeem your ScoreCard Reward points for any of the following: Cash Back Statement Credit Gift Cards Merchandise Travel Charity Gift Card choose from over 1,000 charities to donate money! Gifting to another individual* The more you spend, the more points you receive! Use your Members Heritage credit card and get the most out of your ScoreCard Rewards Paoints program. * Some restrictions apply. See scorecardrewards.com for complete details about gifting to another individual.

6 Holiday Closings Memorial Day Monday, May 27 Independence Day Thursday, July Park Place Lexington, KY Like us on Facebook! Annual Meeting Reminder Ticket holders: Don t forget to attend the Annual Meeting, on Friday, April 12, at the Fayette County Cooperative Extension Office in Lexington. 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 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 our Cooperative Business Services partner, Miller DeWeese at *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