TIME To use. Your card! on all qualified. * See promotion disclosures inside for full details.

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1 TIME To use Your card! 4.9 % APR* on all qualified purchases * See promotion disclosures inside for full details.

2 PLUS Pointers Issue Stronger Together The Strength of Credit Unions Comes from YOU Credit unions are not-for-profit organizations that exist to serve their members rather than to maximize corporate profits. Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. But as member-owned institutions, credit unions focus on providing a safe place to save and borrow at reasonable rates. Unlike banks, credit unions return surplus income to their members in the form of dividends. Fees and loan rates at credit unions are generally lower, while deposit dividend and interest rates are generally higher than banks and other for-profit institutions. Credit unions are democratically operated by their members (those joining the credit union), allowing account holders an equal say in how the credit union is operated, regardless of how much they have on deposit at the credit union. The credit union s Board of Directors, who are elected by the members, decides who the credit union will serve. In order to join a credit union, potential members must be part of a field of membership, which is typically based on one s employment, community or membership in an association or organization. As credit unions serve members of modest means, many will actively expand their field of membership to serve other select groups and/or geographic areas when identified as needing access to quality financial services. Iowa s credit unions work to make sure all Iowans are aware of how important it is to have the choice and competition provided by credit unions in the financial service marketplace. That is why we focus on advocacy and letting people know about the credit union difference. To emphasize the importance, Financial Plus Credit Union has added a page to our website that you can visit to learn more about credit unions. Visit and go to the Learn section and look for Stronger Together. This section links to an advocacy site where you can add your name to a list to keep yourself informed about any legislative issues and action alerts related to credit unions. We hope you will take some time to learn more about November 2015 A quarterly publication for the members and affiliates of Financial Plus Credit Union. It s that time of YEar What An FPCU Credit Card Can Do for YOU! Tis the season for giving and from November 2nd thru December 31st, 2015 get 4.9% APR* on all qualified purchases good through your May 2016 billing cycle. The APR is not valid on cash advances and balance transfers. It s time to use your card, or if you don t have one, get one to see what you have been missing! *APR = Annual Percentage Rate. To qualify, you must be a cardholder currently in good standing you must have demonstrated responsible use of your card and must not have any outstanding delinquent payments at time of offer. After your May 2016 billing cycle, the rate will return to the current rate indicated on your statement. Preparing For The Holiday Season? Don t know what gifts to get your family? Get something better with a Visa Gift Card from Financial Plus Credit Union. You ll rest assured they will get what they want this year. It can be used everywhere Visa debit cards are accepted! The gift card is safe and secure. After registering, if your card is lost or stolen the remaining balance is guaranteed! It s that easy! Purchase the card for $2 in any whole dollar increments of $25 - $750. Then simply deliver the gift card to that special someone. For more information on a Visa Gift Card from FPCU, visit any of our convenient offices or call at the credit union difference! Details at in the What s New section.

3 y 24 Christmas Eve- All offices close at 1 pm calendar of events November 26 Thanksgiving Day December 25 Christmas Day 26 Closed All Day 31 New Year s Eve - Lobby closes at 1 pm; Drive-up closes at 4 pm M january 1 New Year s Day What s new: NYC Bus Trip was a fun time for all! trips September 30 - Oct 9th Montreal & Quebec City, Canada Trip is filling up fast! Contact Julie McGlynn at or jmcglynn@financialpluscu.com for more details. join us in 2016 for a trip to canada!

4 One Financial Plus Credit Union employee celebrates her anniversary this quarter. Susan Melom VP of Operations 20 years of service anniversaries Rates and Conditions AUTO Loans terms apr* 2011 & Newer up to 84 months as low as 1.99% up to 72 months as low as 3.24% 2007 & Older Call for Terms Call for Rates RECREATIONAL VEHICLE Loans terms apr* 2009 & Newer up to 120 months As low as 4.99% 2008 & Older up to 84 months As low as 5.49% SIGNATURE Loans terms apr* Personal Loans up to 48 months As low as 8.75% Kiesner_ Thank you views faves for comm your years of service and dedication. This photo was taken Developers Guidelines Feedback R using studio Canon EOS lights 50D p Flickr, a Yahoo company (from EF-S18-55m the left f/ and Skip front) a Payment & Free Up Some Extra Cash! and my ƒ/ mm on camera 1/60 flash. I used 800 Flash (o the on fired) camera Show EXIF flash as the overhe ad lighting This photo is in 1 group was not the DMACC Photojour best Fall 2015 and the 255 items You may skip your loan payment up to TWO times per 12 month period. For your convenience, you can choose the months that work best for you (back-to-back payments are excluded). If you have more than one qualifying loan :46:16 AM] you may request to skip a payment on each loan. To learn more: 1. Visit 2. Select Learn from Menu 3. Go to Online Forms 4. Open the Skip A Pay application CREDIT cards terms apr* VISA Revolving 8.25% MasterCard Revolving 8.25% REAL ESTATE Loans terms apr* Home Equity Loans up to 120 months As low as 3.25% Home Equity Line of Credit up to 180 months 4.50% 1st Mortgage Call for Terms Call for Rates *Existing loans with FPCU may not qualify for special rates. APR=Annual Percentage Rate. All rates are subject to change. Rates are quoted with all available discounts. Terms and conditions may apply.

5 LOOK INSIDE! Stronger Together It s That Time Of Year - FPCU Credit Cards Preparing For The Holiday Season? Calling All High School Seniors & Current College Students! Calendar of Events Bus Trip To NYC Employee Anniversaries Skip A Payment & Free Up Some Cash Get Something Better At Financial Plus Credit Union. Hours & Locations West Des Moines Office th Street West Des Moines, IA Phone: Fax: Fleur Drive Office 4303 Fleur Drive Des Moines, IA Phone: Fax: Euclid Avenue Office 2850 East Euclid Avenue Des Moines, IA Phone: Fax: university Avenue Office 2201 East University Avenue Des Moines, IA Phone: Fax: Hours: Monday - Lobby - 9:00am to 3:30pm Ingersoll Avenue Office th Street Des Moines, IA Phone: Fax: Hours: Monday - Thursday Lobby - 8:30am to 5:00pm Drive-up - 7:30am to 5:00pm Lobby - 8:30am to 5:00pm Drive-up - 7:30am to 6:00pm