ISSUE IN THIS NEWSLETTER WINTER. Upcoming Events Community Events President s Message FEATURE ARTICLE: Visa Balance Transfer

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1 WINTER NEWSLETTER 2018 IN THIS ISSUE Page 2 Page 3 Page 4 Upcoming Events Community Events President s Message FEATURE ARTICLE: Visa Balance Transfer Page 5 Page 6 Page 7 Page 8 New Branch Opening in 2018! Sherpa Article Save on TurboTax Employee Spotlight

2 COMMUNITY EVENTS UPCOMING EVENTS Kid s Events Kid s Fall Fun Day on October 28 with a magician, face painting and treat bags for kids. Kid s Day on December 9, Santa visited 1 st Ed and brought treats for all the kids and posed for selfies! SCHOLARSHIPS F EBRUARY 1, 2018 is offering graduating high school students the opportunity to receive one of four $1500 scholarships to be used at the college, university, or trade school of their choice. Applications must be turned in by close of business on the 1st of February. To view more details and download the application visit 1edcu.org/scholarships. HOLI DAY C LO SIN G S PR ES ID ENTS DAY MONDAY FEBRUARY 19 ANNUAL MEETING APRIL 16, 2018 For our 80 th Annual Meeting, we welcome you, our members, to join us to learn what we accomplished over the past year and what our goals are for the upcoming year. You can also be a part of the democratic process of the credit union by running for the open positions or voting in the election for our Board of Directors. If you are interested in becoming a board member, send your biography and headshot to Laura Hess at lhess@1edcu.org by March 1, YOUTH MONTH APRIL 2018 Adopt-A-Family Throughout the year, 1st Ed Credit Union staff paid to dress down for one week a quarter and wear flipflops on Fridays in July to raise funds for the Adopta-Family campaign through the Boys & Girls Club of Chambersburg and Shippensburg. Presents were delivered to the club along with wishes for a Merry Christmas to the family. Food Drive 1st Ed Credit Union collected non-perishable food items that were donated to the South Central Community Action Program (SCCAP) Food Pantry in Chambersburg, PA from December ICU Day Last year we celebrated ICU Day during the whole week from October Our members had a chance to win a daily prize and enjoy treats throughout the week. Indoor Track has partnered with Chambersburg Area School District by securing naming rights of the indoor track at Chambersburg Area Senior High School. We look forward to our growing relationship with our local community! Financial Education continues to educate the youth of our local school districts and in the community by hosting reality fairs, budgeting and retirement classroom presentations for high school students, and saving vs. spending activities for elementary students. Schools that have recently participated include Montessori Academy, Shalom Christian Academy, Scotland Elementary 3 rd grade classes, and The Boys & Girls Club students. A M ESSAGE F R O M T H E PR ES IDENT Happy New Year! As we enter our 80 th year of serving you, we are looking forward to a year filled with plans for expansion and growth! As 1 st Ed continues to work with our community, we eagerly look to share the benefits of membership with our friends and neighbors. Last year, we partnered with Chambersburg Area School District to obtain naming rights of the indoor track at Chambersburg Area Senior High School. And, as we look toward the future, we are excited to announce our plan of opening a new location in the Greencastle area this year. N a t i o n a l C r e d i t U n i o n Yo u t h M o n t h i s c e l e b r a t e d i n A p r i l t o fo c u s o n h e l p i n g yo u n g p e o p l e d eve l o p g o o d s av i n g h a b i t s f r o m t h e b e g i n n i n g. E a ch y e a r, 1 s t E d p u t s $ 5 i n t o e a ch n ew y o u t h membership* opened during the month. Fo r m o r e i n fo r m a t i o n o n o u r yo u t h m o n t h c e l e b r a t i o n s, v i s i t 1 e d c u. o rg / yo u t h - m o n t h. I m also excited to share that 1st Ed Credit Union received the.com Award and the Extra Extra Award from the Pennsylvania Credit Union Association MIC Awards for Best Website and Best Newsletter in our category. Over the past years, you have seen first-hand how we strive to offer our members convenient and educational resources such as our website and newsletter to keep them informed on everything that is happening at the credit union. *Must be a new member, 17 years of age or younger, with no previous relationship with 1st Ed Credit Union. Sincerely, The past year has shown tremendous growth in our institution and membership. And, I hope that our members are as excited as we are to share the benefits of membership with their friends and family. After all, it makes sense to belong! Kelly Childress, President / CEO

3 FEATURE ARTICLE: VISA BALANCE TRANSFER NEW BRANCH OPENING IN 2018! THE HOLIDAYS ARE OVER AND NOW YOU RE PAYING FOR IT. Start the year off right, with a Visa balance transfer. We ll even give you 16 months at our special rate of.99% APR* to pay off the transferred balance. Simply roll over your current credit card balances onto a 1 st Ed Credit Union Visa card and save while you pay them off! Plus, as an added bonus, we ll provide 3 free months of SHERPA Identity Protection! The New Year is bringing exciting news we re opening a new location in Greencastle! Our new branch will be located at 526 N Antrim Way, Greencastle, PA in the Greencastle Market Place. We are also excited to announce that Amanda Dickson will be serving as Branch Manager there upon its opening. Amanda has been with 1 st Ed since August 2010 when she started out as a Member Service Representative on the teller-line. Since then, she has worked her way to her current position as Senior Financial Service Representative where she assists members by offering accounts and loans to best serve their needs as well as leads workshops and seminars for students and prospective members throughout the community. NO BALANCE TRANSFER FEES, ANNUAL FEE OR CASH ADVANCE FEE** ANYONE WHO TRANSFERS A BALANCE DURING THE PROMOTION WILL RECEIVE SHERPA FREE FOR 3 MONTHS And, with a Visa card, you can control your balances and payments securely through CardNav on our new app! For more details, see the article on page 7. *APR=Annual Percentage Rate. Introductory APR for balance transfers is 0.99% for sixteen billing cycles. After the expiration of the introductory APR, rate will be credit union s normal rate; current rates range from 8.9% to 9.9%. No balance transfer fee. Promotional offer available from January 15, 2018 to March 17, 2018, to qualified borrowers. All loans subject to credit approval. Current 1st Ed Credit Union loan or lines of credit may not be paid off by using the balance transfer option. Contact the credit union for complete details or visit 1edcu.org/balance-transfer. **Finance charges apply when balances are not paid in full and are assessed on all cash advances at the time of the advance. Continue to watch our website 1edcu.org for more updates.

4 Y o u re a V i c t i m o f I d e n t i t y Ta x Fra u d! NOW WHAT? No one expects to be a victim of identity theft. Identity tax fraud is no exception to this. Billions of dollars are put into the hands of criminals who are imposing on your tax return each year. All it takes is a breach of your social security number to steal your identity and file a false tax return, causing you weeks of headaches and misery as you try to correct your return. How will I know if I am a victim? Knowing whether you have been victimized is quite simple. Your return will be rejected. If filing electronically, you will receive a message stating your tax return has already been filed. On the other hand, if you file by mail, your return will be followed by a letter from the IRS stating you have a duplicate return on file. I am a victim of identity tax fraud! What can I do? Once you have discovered that you are the victim of identity tax fraud act quickly. This will help you prevent any further damage to your good name. Following these steps are a good start to regaining your identity: Visit the IRS Reporting Identity Theft webpage to download and complete Form 14039, Identity Theft Affidavit, to flag your account. You may contact the IRS for specialized assistance at or reference Publication 5027, Identity Theft Information for Taxpayers. Report the use of your social security number to the FTC by visiting IdentityTheft.gov. This information will be helpful to provide to credit reporting agencies to prove you were a victim of identity theft. Check your credit reports at all three credit reporting agencies. Report any inaccuracies immediately. Continue to monitor your credit file regularly. SAVE ON AND GET A CHANCE TO WIN 25,000 $ As a 1st Ed Credit Union member, you can save up to $15 on TurboTax the #1 best-selling tax software.* With TurboTax, you ll get your taxes done right and your largest possible refund plus a chance to win $25,000! NEW: Expert review of your return. With TurboTax Live, you can have a live CPA or Enrolled Agent (EA) by your side to answer questions and review your tax return. Get a head start on your taxes. Snap a photo of your W-2, or import it into TurboTax from over 1 million companies. Either way, you ll save time and get a jump-start on your tax return. Be sure nothing gets missed. TurboTax CompleteCheck reviews ever y detail in your return, walks you through any final changes, and gives you the green light to file. To be automatically entered to win the $25K Grand Prize or one of twelve $1,000 First Prizes, just try TurboTax Online for FREE (and provide your address) by February 15th.** Start TurboTax now and save at 1edcu.org/turbotax! *#1 Best-Selling brand of tax software based on aggregated sales data for all tax year 2016 TurboTax products. Visit for TurboTax product guarantees and other important information. **Limited time offer for TurboTax Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. 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SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, UNPRECEDENTED, REAL-TIME CONTROL OVER YOUR DEBIT AND CREDIT CARDS THROUGH YOUR SMARTPHONE OR TABLET CardNavSM adds another level of security to your cards by letting you decide how and when they can be used and alerting you when any types of transactions you specify take place. You can even use CardNavSM to set personal spending limits that help you stay within your budget goals. Turn cards on or off in seconds. Use GPS to restrict transactions to businesses within a designated area. Consider an identity theft protection ser vice to help protect, monitor and repair your good name. Once your social security number is compromised, fraud and additional identity theft cases may creep up on you for years to come. Limit card use to specific merchants or purchases. Receive real-time, in-app alerts that let you stop unauthorized purchases before they re complete. Receive alerts when you re getting close to any personal spending limits you ve set. Protection can begin quickly & easily by signing up for SHERPA at 1edcu.org/services/sherpa-identity-protection. In just minutes, you can gain the security and control of CardNavSM by CO-OP. All it takes to get started is a free download on the App Store or Google Play.

5 1156 KENNEBEC DRIVE CHAMBERSBURG, PA (717) EDCU.ORG EMPLOYEE SPOTLIGHT Debbie Murray Credit Recovery Specialist Last fall, Debbie joined the 1 st Ed team with 20 years of experience in collections. Over the past two decades, she has found that no two situations are the same, but that kindness goes a long way to produce a happy medium for the member and the institution. While Debbie will admit to not wanting children; having married someone with children, she now has four grandchildren who are the center of her world. When she isn t spending time with the grandkids, she can be found at flea markets and antique shops searching for treasures to decorate her home.