Make the Savings Honor Roll this Back-to-School Season!

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1 July 2016 We ll Pay You to Share the Good News! Helpful Back to School Tips for Your Child. Looking for Student Loans? Get Some Extra Credit. Volume 34, Issue 3 % Save with 2.99 APR* for six months on your back-to-school purchases made July 1 st through August 31 st. back to Make the Savings Honor Roll this Back-to-School Season! Back-to-school season is here. Whether you re heading back to school or just back to your daily routine, you ll save on all the purchases you need with your ABECU Visa. Save with 2.99% APR for six months on all your back-to-school purchases from July 1 st thru August 31 st at qualifying retailers. After the six month promotional period, your purchase APR will apply (7.15% % based on Visa type and underwriting criteria).* Shop smart and save! Take your ABECU Visa with you shopping today. Don t have an ABECU Visa? Apply today: Online: abecu.org In Person: at your local branch By Phone: CU4U *APR = Annual Percentage Rate. Variable rate may change with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the APR. The APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment. 2.99% APR available for six months on purchases made 7/1/2016-8/31/2016 at qualifying discount, department, clothing, office supply, and electronics merchants (transactions assigned to merchant category 5192, 5310, 5311, 5411, 5651, 5661, 5691, 5732, 5734, 5942, 5943 or 8220). Purchases made with Home Equity Access or Business Visa do not qualify. savings

2 $25 BONUS It s easy to get your we ll pay you to share the good news! Share your great experiences as a member of the Credit Union offering FREE checking, low rate loans and other benefits. $25 For You Added to your savings account for each referral who joins the Credit Union and opens another account.* $25 For Your Referral. MobiMoney TM Control & Protect Your CU Debit Card MobiMoney is a mobile app for your smartphone or tablet that offers a convenient way to manage your debit card. With the MobiMoney app, you can activate and deactivate your cards, as well as receive instant alerts. You can even set limit usage based on transactions, locations, merchant preferences, and spending limits. These innovative features can help you protect your debit card from fraudulent activity. MobiMoney is compatible with any Apple phone using ios 6.x or newer or any Android phone using 3.x OS or newer. Enjoy the benefits and peace of mind MobiMoney offers. Get started today! Questions? Get answers with our helpful FAQ at

3 Save with a 2.99% APR* for 12 months, plus NO balance transfer fee and of course, NO annual fee. (After the promotional period, your purchase APR applies; purchase rates range from 7.15%-20.15% APR, as of 6/1/16, based on Visa account features and underwriting.) Transferring balances is easy. Log in to your OnlineAccess account, click "Secure Forms" and select "Credit Card Balance Transfer Request", complete and return the form below, or, call ext Transfer today! This special offer ends July 31, Please print Member Name Credit Union Visa Account # Authorized Signature Date Balances to Transfer Card Issuer Exact Amount to Pay Account Number Payment Address City/State/Zip Please allow several weeks for balances to be transferred. You may need to continue to make payments on your existing accounts to maintain their current status. These accounts will remain open even if the entire balance is paid. You are responsible for closing these accounts if you choose. Requests are subject to credit availability and existing credit union accounts must be current in order for transfer requests to be processed. This option cannot be used to pay a loan. The credit union reserves the right to refuse to process any transfer request. If you participate in our Rewards! program, promotional balance transfers will not earn Rewards! points. After completing the form, please return it to your local branch, mail it to: ABECU and Division, Attn: Card Services, 1001 Lynch Street, St. Louis, MO Or, fax the form to

4 Raise your interest with our special CDs For a limited time only, open a Special Rate 18, 35 or 50 month certificate and earn a yield that's tops in the market, here at your Credit Union. 1.06% APR* 18-MONTH CD 1.51% APR* 35-MONTH CD 1.81% APR* 50-MONTH CD Open your account online today at Or, stop by your local Credit Union office or call CU4U. *APY=Annual Percentage Yield. APY available as of 5/31/2016; limited time offer and may be withdrawn at any time. Specials available for standard and youth account CDs, Traditional IRA CDs, and business member CDs only. Cannot be combined with any other promotional offer; additional rate bonuses do not apply. Minimum $1,000 opening balance required; youth account CDs may be opened with $500 minimum balance. Subject to penalty for early withdrawal; see disclosure for complete terms and conditions. Membership eligibility required. All members are required to open and maintain a minimum $5 balance in a regular savings account.

5 Helpful Back to School Tips The first day of school will be here before you know it. Ease your child back into the school routine with these simple tips. Keep learning. Have your child read a book or two during the summer to keep his/her reading skills and speed in tune. Adjust sleep schedule. During the summer it s nice to sleep in and stay up late, but as it gets closer to the first day of school, gradually adjust your child s sleep time to at least eight hours a night. Get supplies early. Many back-to-school sales start in July. Get the supplies you know your child will need such as notebooks, folders, pens, pencils, highlighters and binders. Check the closet. Have your child try everything on and donate clothes he/she can t or won t wear again. It ll be easier to shop for new clothes if you know what your child needs. Looking for Student Loans? Get Some Extra Credit! Make the wise choice and avoid multiple applications with our convenient line of credit. Student Choice Loans are available at your Credit Union. A Student Choice Loan can help fill the gaps that federal aid may not cover. Apply once and get financing throughout your student s college years. And, since the Student Choice Loan is offered through your Credit Union, you know you re getting the best deal with money-saving terms, including: No origination fees Lower loan rates Easy online application Flexible repayment options Who is eligible? Eligible members must have a qualified co-borrower and be enrolled at least half-time in a degree granting program. Learn more and apply today! Online: abecu.studentchoice.org. On the phone: In person: stop by your local branch Visit the Resources & Tools section of the Student Choice site today. You ll find everything from calculators to budget planning worksheets. Wash all your child s clothes, even the new ones, at least three days before the first day of school. You ll want a variety of options to choose from on the first day. Figure out transportation at least two weeks before school starts. Will you take your child to school? Will he/she ride the bus? Or, drive himself/herself?

6 BRANCHES Baldwinsville Cartersville Columbus Cedar Hill/Dallas Fairfield Fort Collins Houston Jacksonville Los Angeles Merrimack Newark Orlando San Antonio San Diego St. Louis Lynch Street Nestlé Purina Chippewa Street West County Creve Coeur Crestwood SoCounty/Union Rd SoCounty/Tesson Ferry Fenton Florissant Jefferson County O'Fallon, MO Shiloh, IL Tampa Williamsburg CONTACT US CALL CENTER CU4U (2848) CUE PHONE LOAN BY PHONE OnlineAccess Serving those who serve our nation and communities everyday! Your Credit Union offers a special mortgage product exclusively for teachers, firefighters, law enforcement officers, current military members, civil service workers, healthcare workers and emergency medical professionals. The Community Contributor Mortgage is designed to give to those who give to our community. You ll benefit with this 97% purchase product with NO mortgage insurance, and quick preapprovals!* Plus, our experienced Mortgage Loan Officers will guide you through your home buying experience from start to finish. For additional information on the Community Contributor Mortgage or other loan products, contact a Mortgage Loan Officer at Our Field of Membership... ABECU serves the employees and retirees of Anheuser-Busch Companies, whollyowned subsidiaries and distributors of Anheuser-Busch products. The Credit Union serves contract employees reporting to Anheuser-Busch employees as well as family members of its members including spouse, children, stepchildren, parents, brothers and sisters, grandparents and grandchildren, aunts, uncles, nieces and nephews, plus in-laws. The Credit Union also serves the household members of its members including those living in the same residence, maintaining a single economic unit. Becoming a member is easy. Apply online at or call CU4U (2848) to request a new member packet. ABECU is an independent financial institution, chartered by the state of Missouri, which is owned and operated by its membership. The Credit Union is not a subsidiary of Anheuser-Busch Companies, Inc., or any of its affiliates. Follow us: Community Contributor Mortgage is a limited time offering which may be withdrawn at any time. *Membership eligibility required. Underwriting requirements apply. Valid only on single family owner occupied property. American Eagle Credit Union is a division of Anheuser-Busch Employees' Credit Union, an independent financial institution chartered by the state of Missouri, which is owned and operated by its membership. The credit union is not a subsidiary of Anheuser-Busch Companies, Inc. or its affiliates. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# Member Survey Let us know how we are doing! Your Credit Union has partnered with Satmetrix to provide our members with a secure and convenient way to share their comments with us about our service. You may have already seen or participated in one of our survey invitations asking about your experience during a transaction or your thoughts about the Credit Union overall. Your feedback is essential in how we measure member satisfaction and strive to deliver the best possible service and products to you. is published quarterly for all members. Questions and comments are always welcome. Contact: Joel McDaniel, Editor 1001 Lynch Street, St. Louis, MO (800) ext marketing@abecu.org Your deposit accounts are insured up to $250,000 and IRA accounts up to $250,000 by the NCUA, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. NMLS#