FALL. Presidents Message. amucu.org

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1 FALL 2013 Presidents Message Dear Member, WHAT IF? You had checking accounts with no monthly fees tied to them at all. No games, no tricks? You had business accounts with no monthly fees for deposit checks and transaction numbers? You had no more Overdraft fees. If Your check went to the overdraft there was not a $30-$50 fee? You had no more Visa balance transfer fees. You need money and there was no 1%-3% access fee? You were told there is a fixed rate Visa You can count on with no rate games, or hidden fees? Your Visa was a Platinum card, no matter what Your credit was, with rewards over 2%? You had the ability to transfer money from Your Visa to Your checking online with no fee? You were told that no matter what Your credit score was, the Credit Union would lend to You? You were told that Your Credit Union developed a cheaper, Express Cash loan solution to end Pay Day loans? You were told Your loan is worth money and the Credit Union would pay You Annually to get it here? You discovered that You can help Your fellow members get a loan and get paid a good dividend for that? You found out that the Credit Union is the only one in the US approved to do Peer-to-Peer lending? You could refer your friends and family to the CU and get paid up to hundreds of dollars a month? You found out this CU doesn t advertise to the masses, yet grows through referrals at 20% per year? You had a Credit Union that just invested over $1 million dollars in Your online experience and apps? You were a part of a true Co-op that will pay You an annual dividend every year that it is profitable? You found out that this Credit Union was going to pay over $500,000 back to the members this year? You had the ability to hear The Reason Why Your Credit Union did things, directly from the President? You had the ability to volunteer, vote and run for the Board of Directors of that Credit Union? You had a Credit Union with a 501c3 Charitable Foundation arm that raises thousands for charity? You found out that there is a true Credit Union left that cares about You? Would that be worth something to You? Would that Be the Difference that made a Difference in Your life? Now, What If I told you that was Your Credit Union? American United Federal Credit Union. Phillip T. Patten President/CEO amucu.org

2 Member Rewards Dividend How Much Will YOU Claim? Get ready! We re going to pay you CASH! In the spirit of what a true cooperative is all about, we re paying our members a special member reward dividend at the end of the year. This dividend is based on how much you use the Credit Union and the number of products and services you have. Take a look at what you COULD make by bringing your financial banking home to American United! To participate, members must have their products and services on their account by November 30. This is not an all-inclusive list. Product/Feature Cash Reward/Year Checking (Gold Star earns more).. Up to $ Savings (Gold Star earns more)....up to $ Overdraft...$ 5.00 Visa Debit... $ Visa Credit...$ Online Bill Pay....$ 5.00 E-Statements.... $ 7.50 Plus, receive up to $ for switching your auto loan to American United. The average member reward with checking, savings, Gold Star, VISA debit and VISA credit cards will exceed $ annually. You can access your reward online at beginning in December or can get a printed dividend menu from a branch location and redeem it there. 12th Annual Golf Tournament A Huge Success! Many thanks to the donors and sponsors of American United s 12th Annual Golf Tournament. The American United Golf Tournament raised over $20,000 for the Autism Council of Utah and 100% for Kids Foundation. FREE Individual Tax Return Analysis for Credit Union Members Meet with a licensed Certified Public Accountant (CPA) who has a Master s Degree in Taxation and over 24-years experience with individual and business tax returns. Call American United, West Jordan office at (801) for an appointment with Reagan S. Wood, CPA Each appointment takes about 30 minutes FREE Tax Analysis appointments are held at the American United West Jordan office located at 2687 West 7800 South Bring your most recent and prior year tax returns.

3 Skip A Pay It is that time of year again and everyone is looking for ways to help pay for their holiday festivities. It is also the time of year when members are looking for ways to help others in need. American United PROMOTIONS and DEALS CD Specials - American United is now offering two CD deals: a 60 Month Certificate at 2.05% APY* (new deposit, can be an aggregate of more than one CD) or a Special 15 Month Certificate 1.00% APY* for: Existing members who open an active** checking account with a debit card & overdraft or New members who open an active** account with checking, debit card & overdraft. *Annual Percentage Yield. Restrictions may apply. **Active is 5 POS/SIG transactions each month. has an easy way to do both with its annual Skip A Pay program, that lets members with loans at the Credit Union skip one payment either in November, December or January. For $25 per loan, you can skip the payment and pick it up the next month. Visit your branch for details, or go online at and fill out the form. Holiday Closures: All Branches of American United will be closed for business on the following dates: Monday, November 11, 2013 Veterans Day Thursday, November 28, 2013 Thanksgiving Day Wednesday, December 25, 2013 Christmas Day Charitable Giving Over the past year, the Credit Union has sponsored or participated in several worthwhile community events that supports its mission To Be the Difference That Makes A Difference. These sponsorship activities range from supporting Veteran outreach to supporting family and children dealing with the challenges of Autism. This year the Credit Union has supported these activities at a dollar value well over $45,000. Below are just a few of the many activities we have been involved in. Autism Council of Utah Autism Walk Utah 100% for Kids Community High School Athletic Sponsorships Influential Women in Scouting Dinner Adopt-A-Native-Elder Rug Show Visa for the Holidays - Get our American United Rewards VISA to assist you with the holidays. To make the deal sweeter, it has no balance transfer fees, no annual fee, no cash advance fees, and an always low rate. Veterans Annual Golf Tournament Warm the Soles Thank you letter from Carson Smith Phil Patten, President and Stephanie Braun, Exec. Admin. Assistant of United American present check to Autism Council of Utah

4 BRANCH OFFICES: Draper Branch-Big Valley: 247 W S, #C / Fort Union Branch: 2277 E 7000 S / Kearns Branch-Newspaper: 4770 S 5600 W / Main Street Salt Lake Branch: 3226 S Main St. / Salt Lake Branch-VAMCU: 500 S Foothill / Sandy Branch: 8621 S 700 E / Veterans Affairs-VAF: ATM located on ground level West Jordan Branch: 2687 W 7800 S / PO Box 1030 West Jordan, UT INFO NOW Line Lost VISA Credit/Debit Cards: During Business Hours (9 am 5 pm) After Business Hours Visit us online at: for current savings and loan rates and to locate service center locations/atms locally and across the country. *Not all products/services available. See branch for details. IN THIS ISSUE: Presidents Message Member Rewards Dividend Golf Tournament Skip A Pay Promotions and Deals Holidays Charitable Giving Insert: Mobility Apps Insert: Remote Deposit Capture Have You Seen the News? 60 Month Certificate at 2.05% APY* (new deposit, can be an aggregate of more than one CD) OR Special 15 Month Certificate 1.00% APY* for: Existing members (who open an active** checking account with a debit card & overdraft) New members (who open an active** account with checking, debit card & overdraft) Tell your family and friends! *Annual Percentage Yield. Restrictions may apply. **Active is 5 POS/SIG transactions each month. It s time to think about the holidays We can help you with our Holiday loan with rates as low as 7.99% APR, OAC* Low fixed rate VISA with rates as low as 9.99%* We ll pay you $25 cash* when your VISA is approved. *Annual percentage rate, on approved credit. Rates and terms vary based on credit and Credit Union history. Restriction apply.

5 Mobility Apps and Remote Deposit Capture (RDC) Your Credit Union, American United, is continuing to invest in the latest and greatest technology to make accessing your account and managing your finances as convenient as possible. Take a look at what s coming: New Interactive Website Sharper and cleaner look Search features by entering a word or two for quicker response Drop down menus are broken down into more user-friendly tabs to speed up your search Customize the background the way you want Apply for an auto, mortgage, home equity or personal loan online New Mobility Apps Supports both ios and Android platforms Consistent user experience across mobile devices Touch-based and gesture-driven design Comprehensive account overview information Transfer money to internal and external accounts Pay bills Allows users to deposit checks via mobile RDC Graphical dashboard with account details Search for ATMs and branch locations with mapping capabilities New Remote Deposit Capture This product will allow members to make deposits from anywhere, at any time, using the same login as used in your online banking experience. This will provide quicker access to your funds, and save time and gas by not needing to drive into a branch to make a deposit. How does it work? Take a look on the back of this page: You may never need to come into a branch again; but please don t stay away, we love our members! amucu.org

6 American United enjoys providing cutting-edge technology to our members. Here s how the Remote Deposit Capture will help you: Convenience - Make deposits from anywhere, at any time, using the same login as used in your online banking experience. Easy to Use - Easily and quickly deposit funds into your accounts. Access - Funds are available faster than if deposit was mailed. Save Money - Save gas by not having to drive to the branch to make a deposit. Expanded Footprint - Better technology than many larger financial institutions, allowing our members to receive the very best. Utilize Security Measures - Utilizing the highest security measures to ensure deposits are correct and provide ease of mind. The RDC allows you to use your mobile device camera to capture check images and deposit the funds into your American United account. It is that easy! Here are step-by-step instructions on how the RDC works: Launch Q2 Mobility Apps Select Deposit Check Enter Deposit Information App sends data to American United s mobile RDC software for processing Info. uploaded to app and new deposit appears in Mobile RDC History page Submit Deposit Take a picture of the front and back of the check. (Best to take photo on dark background) For assistance with the new mobility apps or remote deposit capture, please call member support at Not every mobile device supports all features of these new mobility apps. A device s operating system and capabilities affect the overall user experience.

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