Page 4. Page 6 Low Rate Auto Loans Summer Fun d Loan AARP Driver Safety Course Back to School Promotion

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1 INSIDE Summer Heritage Loan Get a Great Rate and Fixed Monthly Payments Take Up to 48 Months to Repay No Prepayment Fee Enter to Win a $500 Payment Toward Your Loan! * Minimum loan amount $500. All MHCU loan refinances must include an additional $500 in new money. Drawing will occur in August, September and October for previous month s booked loans. Winner will be contacted via phone and $500 will be made as payment to the loan. You could win $250! See page 2 for details. Page 2 Page 3 Page 4 Page 5 Page 6 Low Rate Auto Loans Summer Fun d Loan AARP Driver Safety Course Back to School Promotion Kids Eat n Play Free Monday Christmas Club in July! Shred-It Events Did You Know? Indirect Lending SWBC 1st Mortgages estatement Promotion Scholarship Winners Annual Meeting Recap Holiday Closings Discount Amusement Park Tickets

2 2 Auto Loan Rates ALWAYS AS LOW AS 1.99% APR*! Open a car loan in July and you will have a chance to win $250! * Summer Fun d Loan It s time for some summer fun! Borrow up to $2,500 for as low as 6.90% APR*. Not only is this a great rate, but you have 12 months to repay. You will be entered to win a $200 payment from Members Heritage toward your loan! Apply Today! * 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. Your rate may be higher based on your credit history. In-house refinances require an additional $500 in new money. Auto loan rate shown is based on 100% financing. No purchase necessary for $250 drawing. Four winners will be drawn. 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 * This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates are subject to approval. Drawing will occur in September after promotion ends. Winner will be contacted via phone and $200 will be made as payment to loan. Summer Fun d Loans available 6/1/16-8/31/16. AARP Driver Safety Course Members Heritage is happy to host the AARP Driver Safety Course again this year for our membership. Where: 2420 Members Way (off Harrodsburg Rd) When: Thursday, August 11 Time: 8:30 a.m. 1:00 p.m. Cost: $15 per person (AARP members) $20 per person (non-aarp members) For adults 50 and over, you will learn how to handle age-related physical changes, declining perceptual skills, rules of the road, local driving problems, license renewal requirements and more. To enroll in the program applicants must contact Tammy at, ext Space is limited and enrollees will be processed on a first-come, first-served basis until the class is filled. Back-To-School School will be starting before you know it. Open a New Membership Youth Account in July and you will receive a $10 Walgreens gift card to help purchase all your back-to-school needs! * Account must be opened in child s name. New Membership Youth Share Savings account requires a minimum $5 deposit. Child s Social Security card must be presented when account is opened. $10 gift card will be mailed to member s residence within 2-4 weeks of promotion. Existing members opening a new subaccount do not qualify for promotion. Promotion valid 7/1/16-7/31/16.

3 3 Kids Eat n Play Free Monday Members Heritage is the proud sponsor of Kids Eat n Play Free Monday with the Lexington Legends. Kids 12 and under who attend a Monday home game will receive a voucher for a free hot dog, chips and soft drink. Just redeem the coupon at the concession stand that night for a free meal. Kids will also receive a free wristband for the play area! Remaining games this season for Kids Eat n Play Free Monday with Members Heritage are: July 18, 25 & August 8 and 22. Good luck to the Lexington Legends! For more information about our home team and the 2016 game schedule, visit Go Team! Christmas Club in July! The holidays are closer than you think! Open a Christmas Club account for just $5 and start saving today! Only 177 shopping days are left! Ask for more details. Shred-It Events Look for these Shred-It events at a branch near you this summer: Nicholasville Branch Location 1039 N. Main Street Wednesday, July 20 Noon 1 p.m. Winchester Branch Location 339 Shoppers Drive Wednesday, September 14 Noon 1 p.m. This service will be provided for personal shredding only, no businesses, please. Watch your October newsletter and mhcu.org for scheduling information in Lexington at our Park Place branch location.

4 4 Did? You Know?? We now have Cash Back Credit on Members Heritage Credit Cards! Exciting news for our membership! You can now redeem your ScoreCard reward points for any of the following: Cash Back Credit Gift Cards Charity Gift Card choose from over 1,000 charities to donate money! Gifting to another individual* And don t forget, we will also continue to offer merchandise and travel rewards with our ScoreCard program. * Some restrictions apply. See scorecardrewards.com for complete details about gifting to another individual. We now have Cash Back Credit on Members Heritage Credit Cards! Indirect Lending 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 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 or. $pring Thing$ Loan At MHCU our $pring Thing$ Loan is like a breath of fresh air! Borrow up to $2,500 for as low as 6.90% APR*! Not only is this a great rate, but you have 12 months to repay. Apply Today! Considering a home purchase or refinance this summer? I can help! As a member of Members Heritage Credit Union, you are entitled to a special mortgage lending program through SWBC Mortgage Corporation. HomePlus TM offers a one-stop shopping experience with a team of qualified * APR = Annual REALTORS Percentage and Rate. Mortgage This credit Lending union and Professionals. its policies comply CONTACT with the ME Equal Credit Opportunity Act. All credit offers and rates are subject to approval. Your rate TODAY to learn more about this special program from Members Heritage. may be higher based on your credit history. $pring Thing$ Loan available until 5/31/16. JAMIE MORRISON Financial Institution Loan Officer NMLS #6298 GA License # Park Place Lexington, KY Direct: Toll Free: , ext jmorrison@swbc.com Apply online at SWBC. All rights reserved Loans are subject to credit and property approval. Programs and guidelines are subject to change without notice. Rates change daily. Certain restrictions and conditions may apply. First mortgage services provided by our partner SWBC Mortgage. Corporate Office located at 9311 San Pedro, Suite 100 San Antonio, Texas NMLS #9741 (www. nmlsconsumeraccess.org). Georgia Residential Mortgage Licensee Save the Environment. Sign Up for FREE estatements! Sign up for estatements in August and receive a $10 Walgreen s Gift Card! Benefits include: 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 8/1/16-8/31/16.

5 Scholarship Winners We are happy to announce the three winners of the 2016 Youth Scholarship Program: Kyra Leigh Seevers, Colby Birkes and Ashley Richmond. These students have excelled, not only in their studies, but also in many extracurricular and leadership activities. Kyra Leigh Seevers is a graduate of Paul Laurence Dunbar High School and plans on attending the University of Kentucky in the fall, majoring in Computer Science. Colby Birkes graduated from George Rogers Clark High School. He plans on attending Bellarmine University in the fall, pursuing a Biology and Pre-Med degree. Ashley Richmond is a graduate of George Rogers Clark High School and plans on attending the University of Pikeville in the fall, majoring in Biology, Pre-Optometry and Business. These students received $2,000 from Members Heritage to help finance their continuing education. L to R: Bobby A. Flynn, Board Chairman; Kyra Leigh Seevers; Colby Birkes; Ashley Richmond; and Pat Ferry, President. Annual Meeting Notes MHCU s Annual Meeting was held on Friday, April 22. There were 175 members in attendance at the meeting. Speakers included the Board Chairman, Vice Chairman, President and Treasurer. Reports were given by the Supervisory Committee Chair, Mark Mefford; Education Committee Chair, Mike Harding; and standing in for Nominating Committee Chair, Lonnie Johnson. Board Chairman, Bobby A. Flynn recognized the following volunteers for their years of service and presented them with a service pin. 35 years Mike Proctor 10 years Jim Allen Amanda Plakosh It was reported by President Pat Ferry that, 2015 was another extremely busy and challenging year. This was our first year under our new community charter, and we increased our membership from 44,894 to 46,120 an increase of 1,226. The new charter had a positive effect for us. New services added in 2015 included payments by phone, remote deposit capture on phones, chip and PIN credit cards with the debit cards to be issued this year, he continued. We added the cash back option to our credit card rewards program. We continue to review and evaluate new products and services to enhance our members credit union experience. President Ferry went on to say, In July, we completely reorganized the credit union to better market our services and products to the membership. We now have three main areas: Lending, Service and Support, with each one concentrating on their specific area. Thank you for everyone s patience during this transitional time. We are working through the bugs with our goal to give exceptional service and products to the membership. President Pat Ferry concluded with, 2015 was a good year. Thank you for your support and usage of the Credit Union. I want to assure you that your credit union is Safe, Sound and Secure! We are excited about 2016! There was one vacancy on the board to be filled. The Nominating Committee nominated Mike Harding to fill the vacancy. With no other nominees being submitted, a three-year appointment to the Board of Directors was declared for Mike Harding by acclamation. At the Board s reorganizational meeting the following offices were filled: Officers Bobby A. Flynn, Chairman Jim Allen, Vice Chair Mike Proctor, Secretary Les Burton, Treasurer Mike Harding, Director Michelle Thomas, Associate Director The meeting was closed with a door prize drawing courtesy of Members Heritage and area vendors/business partners who donated items.

6 Holiday Closings Independence Day Monday, July 4 Labor Day Monday, September Park Place Lexington, KY Like us on Facebook! Columbus Day Monday, October 10 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 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. 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 4 p.m. 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. Zebulon 125 E. Gannon Ave. Zebulon, NC Fax Lobby & Hours M F 8:30 a.m. to 5 p.m. M F 8 a.m. to 4:30 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 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 24-Hour Lending Apply for a loan anytime! Evenings and weekends, call Federally Insured by NCUA Discount Amusement Park Tickets MHCU offers discount tickets at our teller lines at the Park Place, Pimlico and Members Way locations for the following amusement parks: Cincinnati Zoo Newport Aquarium Kings Island Louisville Zoo Ky Kingdom Dollywood (these tickets sold only at Park Place branch) Pricing information can be found at 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