Could You Use Some KA-CHING for Home Improvements? SIGH. CRACK.

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1 Summer 2018 Could You Use Some KA-CHING for Home Improvements? ARGH! CREAK. SIGH. OOPS! DRIP. CRACK. SOUNDS LIKE YOU COULD USE SOME KA-CHING FOR HOME IMPROVEMENTS. If your house is telling you it s time to fix a few things, you ll love the sound of a home equity loan from CCFCU. From lump-sum loans to open-ended lines of credit to use as needed, we offer the cash you need with the added benefits of a low interest rate, flexible terms and fast, local decisions. It s everything you need to quickly turn argh into ahhh the peace that comes with finishing projects and going easy on the wallet. Borrow up to 85% of your home s equity Draw loan funds simply by writing a check Use and reuse funds as needed Apply easily over the phone Have you heard you can also use a home equity loan for more than home improvements? Vacations, college funding, debt consolidation whatever you need, we re all ears at CCFCU. Apply Today! Call ext 250

2 Falmouth Branch is Becoming a Teller-Free Service Center on August 1, 2018 We are proud to announce exciting changes coming to our Falmouth branch. Beginning August 1, 2018, our Falmouth Branch will operate as a Teller-Free Service Center. The Falmouth branch will be closed for renovations from Monday, July 30 to Tuesday, July 31 and will reopen on Wednesday, August 1, You ll be able to perform many types of transactions at the Falmouth branch including opening new accounts, applying for a new loan, and closing loans. As well as our existing drive-up ATM, there will be a new ATM in the entryway with smaller denominations for withdrawals and deposits. While the Falmouth branch will be teller-free, we re happy to announce the opening of our NEW, FULL-SERVICE, conveniently located Yarmouth branch on August 1, We are excited for you to visit this beautiful new location for all your financial needs! We look forward to serving you. In addition, we will be happy to perform teller transactions at: 1345 Washington Ave, Portland 43 Lewiston Rd, Gray 808 Roosevelt Tr, Windham Vocational Dr, WRVC, Westbrook 808 US Route 1, Yarmouth (right next to Hannaford) opening August 1, 2018 As always, we are grateful and appreciative of your support. We are excited to see you soon at our new, full-service branch in Yarmouth. Our closest Full-Service Branch to Falmouth is at 1345 Washington Ave in Portland. Falmouth Directions to 1345 Washington Ave, Portland Distance: 2.9 miles From 101 Gray Road, Falmouth parking lot Take a left (south) onto Gray Rd (Rte 100, Rte 26) toward Portland Continue 2.9 miles 1345 Washington Ave will be on the left, just past Portland House of Pizza Portland

3 Where Will Your Points Take You? A More Rewarding Experience? That s the Point! With a Visa Credit Card from Cumberland County FCU, you ll benefit from greater purchasing power combined with a rewards program you ll love: Low Rates No annual fees or foreign transaction fees Local servicing and support ScoreCard Rewards With a CCFCU Visa Credit Card, you can earn Bonus Points for every qualifying net dollar you spend. You can then turn your purchases into amazing Merchandise, Travel or Experience rewards! ScoreCard has top name brand name items, unbelievable vacation getaways, valuable services, and once-in-a-lifetime experiences. ScoreCard has it all! Reward options are continually updated, so you ll have the latest and greatest rewards to choose from. Call to Apply Today! ext. 250

4 Auto Loans: Putting You in the Driver s Seat With interest rates on auto loans that are typically a couple of points lower than at banks, credit unions are on a roll. In fact, credit unions extend loans at lower interest rates than banks, have more flexible payment schedules, and require lower loan minimums (or none at all, in some cases). But as important as rates may be, they aren t everything. Consider these other reasons to choose CU financing for your car or truck Finance up to 100% of your purchase Choose a loan that suits your plans and your budget: one that lets you own your vehicle sooner, or another that allows the lowest possible payments Protect your wallet by including Guaranteed Asset Protection* in your loan Refinance an auto loan from another lender to lower your rate or your monthly payments As always, we suggest shopping around for the best loan. But as millions of auto owners can testify, you re likely to find the best deals on wheels right here at your credit union. Call to Apply Today! ext. 250 * If your vehicle is stolen or totaled before the loan is paid off, GAP insurance pays the difference between its fair market value (the typical insurance reimbursement) and what you still owe.

5 Money Market Savings Accounts Earn higher dividends with our Money Market Savings Account. A minimum deposit of $2,500 is required. No monthly fees no limits on the number of times you may withdraw funds. Bonus Your Money is Safe at CCFCU. You can take great comfort in knowing that your savings at CCFCU are safe, sound and protected by a well-capitalized insurance fund. CCFCU is insured with federal and private excess share insurance. Contact a Service Specialist to open your Money Market Savings Account Today! service@myccfcu.com or ext. 260 Westbrook Food Pantry Presented with a Check Cumberland County Federal Credit Union recently presented a check for $1,000 to the Westbrook Community Food & Resource Center. The Food & Resource Center depends on and greatly appreciates the generosity of friends and neighbors who regularly make donations and work tirelessly to ensure that the shelves are stocked and families are provided for. Michelle Broderick (left), vice president of marketing at CCFCU, presented the donation to Tom Degifico (right), of Westbrook Community Food & Resource Center.

6 Five Easy Ways to Protect Yourself from Hackers Tired of worrying about hackers? Security experts say more people could protect their home computers by doing five simple things: 1. Don t rely on simple passwords. A popular password like won t stop the typical hacker for a millisecond. Instead, use a different password for each account, combining letters, numbers, and symbols. 2. Keep up with patches. If you require your computer to ask before downloading a software update, be sure to permit legitimate patches that may solve a security issue. 3. Stop spam. Malware that rides in on an ad or a phishing can steal account and password data, or even take over your computer. If you need better protection, try a Web-based spam blocker. 4. Encrypt your Wi-Fi. If your home network isn t password-protected, any drive-by hacker can jump onto it. To change this, enter your wireless router s IP address in your Internet browser. Log in with your user name and password, then select Wi-Fi Protected Access (WPA or WPA2) and create a strong password for the network. 5. Keep your online doors shut. Marketers are touting Internet connectivity for appliances, thermostats, and other devices, but be careful what you hook up to your network. Administrative passwords may be easy to guess or hack, opening a back door into your computer files. If a device doesn t need to be online, take it off. Last, back up your most valuable files regularly. Whether you store them on a flash drive or external hard drive or in the cloud, a hacker won t be able to rob you of important programs, photos, music, and documents. That can take away a lot of worry, too. Experts advise creating a complex password that s unique for each online account, so hackers who gain entrée to one of your accounts won t have access to others.

7 Holiday Closing Schedule Independence Day Wednesday, July 4 Labor Day Saturday, September 1 Monday, September 3 Branch Information Falmouth Office 101 Gray Road Falmouth ME (207) Fax (207) Lobby Drive-Thru Mon-Thurs: 8:30-4:30 8:30-4:30 Friday: 8:30-5:00 8:00-5:00 Saturday: Closed Closed Gray Office 43 Lewiston Road Gray ME (207) Fax (207) Portland Office 1345 Washington Avenue Portland ME (207) Fax (207) Windham Office 808 Roosevelt Trail Windham ME (207) Fax (207) Lobby Drive-Thru Mon-Thurs: 8:30-4:30 8:30-4:30 Friday: 8:30-5:00 8:00-5:00 Saturday: 8:30-12:00 8:30-12:00 Westbrook Service Center Vocational Drive Westbrook ME (207) Fax (207) Service Center Hours Lobby Monday Thursday: 9:00-4:30 Friday: 9:00-5:00 Saturday: Closed It s Me 247 Online Banking CU*Talk Federally Insured by NCUA Equal Opportunity Lender