Open an Investment Account! Cumberland County FCU has investment accounts to fit your needs

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1 Fall 2015 Open an Investment Account! Watch Your Investment Grow! Cumberland County FCU has investment accounts to fit your needs Money Market Accounts Earn Higher Dividends With Easy Access Money Market Savings: The ease of a savings account with higher rates. No monthly fees no limits on the number of times you may withdraw funds. Money Market Checking: A great, high-yield checking account that earns higher dividends while allowing immediate access to your funds. Certificates Lock It Up To Earn More Fixed Rates: Your great rate won t change for the term of the certificate, giving you steady returns. Options: We currently offer 6, 9, 12, 24, 36, 48 and 60 month certificates. IRAs Save For Your Future Traditional IRA: Contributions may be tax deductible and due to the deferral of all taxes on earnings, the power of compound earnings is strengthened. Roth IRA: Contributions are allowed at any age and qualified distributions are tax-free. Call x260 today or service@myccfcu.com Not intended to provide tax advice. Contact a tax professional.

2 Special Holiday Loan Packages for Members! Help brighten your holiday season with one of these two loan packages: $700 for 7 Months 7.00% APR* with direct deposit 9.00% APR* without direct deposit for 12 $1,500 Months 9.00% APR* with direct deposit 11.00% APR* without direct deposit Call (207) x250 *APR = Annual Percentage Rate. All loans are subject to loan approval. Direct deposit must be present in account prior to loan disbursement in order for discounts to apply. Offer cannot be combined with any other offer. Offer valid from 10/1/15 to 12/31/15. Payment example: Payments on a $700 loan with a term of 7 months at a rate of 7.00% APR would be $ Holiday Club Transfer Holiday Club Account transfers will be made on Friday 10/9/2015. The transfer will move your funds into your savings account unless you have previously requested a transfer to your checking account. Let the shopping begin!

3 Account Services Fee Schedule Account History $2/month/account suffix Account Reconciliation/Research $25/hour; 1 hour minimum Bill Pay no fee Canadian Items $15/item Check Cashing no fee - members On-Us/Cashier s Check >$100 $2/item nonmembers Checks fee depends on style of checks ordered Closed Account Within 90 Days $20 Of Opening Copies Of Cleared Checks $3/check Cashier s Checks $2/item Cashier s Checks Escheatment $20/ item Cashier s Checks Replacement $5/item Courtesy Pay $28/ item/withdrawal Dormant Primary Share Account $3/month Item Returned After Deposit $10/item Mail Receipt For Telephone $1/call Transaction Overdrafts Created By Checks, In Person Withdrawal, ATM or Other $28/item/withdrawal Electronic Means Prepaid VISA Cards Gift and Youth cards $3/card Travel Cards $4/card Replacement Card $12/card Returned Mail $2/item Service Charges Personal Checking Account no fee Non-Profit Checking Account no fee DBA Checking Accounts $5/month Other Business Checking $14/month accounts IRA / HSA Maintenance $10/year Statement Copy $3/statement Stop Payment One-Time $15/item Consecutive Checks $15/group Recurring VISA Check Card Debits $30/request SWBC Payment By Telephone $5/payment SWBC Payment Online $3/payment Transfers from Share Account $3/item/withdrawal to Cover Overdrafts A2A Incoming or Outgoing $1/per item Transfer Fee via Online Banking Text banking $.04/text Wire transfers Incoming no fee Outgoing Domestic $15/transfer Outgoing International $25/transfer Western Union Domestic $25/wire International $ $30/wire International >$ $30/wire+ 2% of principal This Account Services Fee Schedule is accurate and effective as of December 1, 2015.

4 Make Fall Fun! As the leaves change and the days shorten, get out there and enjoy all that Maine has to offer during this autumn. Wherever you travel, you can enjoy the benefits of CCFCU with the SURF ATM network. You don t want to miss these fall events happening here in Maine. Freeport Fall Festival October 3 4 Freeport The Freeport festival will have live music all day, chowder to sample and more than 100 artists showing their works and wares. Damariscotta Pumpkinfest and Regatta October Damariscotta Enjoy this multi-day pumpkin festival on the coast of Maine. From seedlings to giant pumpkins, to pumpkin boats and parades this is everything you need for a gourd time! Fryeburg Fair October 4 11 Fryeburg Don t miss the largest agricultural fair in Maine! Enjoy livestock shows, harness racing, horse pulling and horticultural and culinary contests. Swine & Stein October 10 Gardiner This event celebrates the 6th annual year. Come enjoy a trifecta of local beer, food, and music. Fun games and prizes will also be featured at this outdoor event. Fall Festival October 10 Wolfe s Neck Farm, Freeport If it s fall-related and farm-related, it s probably happening at the Fall Festival. PetFest October 17 Old Orchard Beach There will be a pet parade at noon plus other events, vendors, rescue groups and plenty of human friendly food. Harvest on the Harbor October Portland Harvest on the Harbor is Maine s popular Food and Wine Festival. Eat, drink, and enjoy exceptional food, beer, wine, and spirits from Maine and around the world. This event features award-winning chefs, epicurean presentations, and live entertainment. Rolling Slumber Bed Races November 14 Brunswick Ready to watch teams rolling beds down the street? This race is part of Brunswick s Early Bird shopping event and includes five-person teams representing local businesses charging down the street, rolling beds and sporting costumes. Don t Let ATM Fees Take Advantage of You This Fall Autumn is here and you know what that means pumpkin flavored everything. Here at Cumberland County FCU, we don t want you to lose your pumpkin spice latte funds to ATM fees. That is why we are part of the SURF ATM network, the largest surcharge-free ATM network in Maine. Travel across the state using one of over 230 SURF ATMs and save your money for better things like pumpkin pie. To find a SURF ATM near you Visit mainecreditunions.org/surf-atm-locator/ for locations.

5 FREE Yourself from Fees and Surcharges! At CCFCU, it s easy to Cumberland find freedom County with our FCU has free investment checking! accounts to fit your needs No monthly fees No required debit card usage No minimum balance required Money Market Accounts Earn Higher Dividends With Easy Access Money Market Savings: The ease of a savings account with higher rates. No monthly fees no limits No on required the number of direct times you deposit may withdraw funds. Money Free Market Online Checking: Banking A great, high-yield checking account that earns higher dividends while allowing immediate access to your funds. Free Mobile Banking Free estatements Certificates Lock It Up To Earn More Fixed Rates: Your great rate won t change for the term Surcharge-Free of the certificate, giving ATM you steady usage returns. Options: at SURF We currently ATMs offer in 6, 9, Maine 12, 24, 36, 48 and 60 month certificates. Open Yours Today! IRAs Save For Your Future Traditional IRA: Contributions may be tax Call deductible and due to the x260 deferral or of all taxes on earnings, the power of compound earnings is strengthened. service@myccfcu.com. Roth IRA: Contributions are allowed at any age and qualified distributions are tax-free. Call x260 today or service@myccfcu.com

6 Mobile Check Deposit Now you can quickly and safely deposit checks into your CCFCU account with just a few taps on your mobile device. Deposit checks 24/7 Safe and secure Free to download and use* CCFCU Mobile Check Deposit is now available for Android TM and iphone. *You may be responsible for data charges through your mobile carrier. Internet connection is required.

7 Holiday Closing Schedule Columbus Day Monday, October 12 Veterans Day Wednesday, November 11 Thanksgiving Day Thursday, November 26 Christmas Day Thursday, December 24 closing at 1:00 Friday, December 25 New Year s Day Thursday, December 31 closing at 1:00 Friday, January 1 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