INSIDE. Heritage Loan. We ve Lowered Our Auto Loan Rates! Summer 2015

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1 INSIDE Summer Heritage Loan With the Heritage Loan, you can BORROW UP TO $15,000 with a Great, Low Rate! Enjoy the great benefits of a Heritage Loan: Get a Great Rate and Fixed Monthly Payments Take up to 48 Months to Repay No Prepayment Fee The Heritage Loan is back and it s for a limited time only. So, what are you waiting for? Apply today by calling us, visiting any of our locations or going to * Minimum loan amount $1,500; maximum loan amount $15,000. Other signature loan options are available. All MHCU loan refinances must include an additional $1,500 in new money. Heritage loan available 7/1/15-9/30/15. We ve Lowered Our Auto Loan Rates! See page 2 for details. Page 2 Page 3 Page 4 Page 5 Page 6 Summer Fun d Loan AARP Driver Safety Course Back-to-School Promotion Kids Eat Free Mondays Christmas Club Shred-It Events Chip-enabled Cards Indirect Lending SWBC Mortgage Scholarship Winners Annual Meeting Recap Holiday Closings Discount Amusement Park Tickets

2 2 We ve Lowered Our Auto Loan Rates! No promotion dates. No expiration. Always low rates on auto loans! Repayment terms are flexible 100% financing available Please call, stop by any of our convenient locations or visit our website. Summer Fun d Loan Borrow up to $2,500 and take up to a year to repay! Summer Fun d Loan available 6/1/15-8/31/15. Apply today! AARP Driver Safety Course Members Heritage is happy to host the AARP Driver Safety Course again this year to our membership. Where: 2420 Members Way (off Harrodsburg Rd.) When: Thursday, Aug. 6 Time: 8:30 a.m.-12:30 p.m. Cost: $15 per person (AARP members) $20 per person (non-aarp members) For adults 50 and over, you will learn how to handle age-related physical changes, declining perceptual skills, rules of the road, local driving problems, license renewal requirements and more. To enroll in the program, applicants must contact Tammy at, ext Space is limited and enrollees will be processed on a first-come, first-served basis until the class is filled. Be Ready for Back-to-School Time School will be starting before you know it. Open a New Membership Youth Account July 13-31, and you will receive a $10 Walgreens gift card to help purchase all your back-to-school needs! * Account must be opened in child s name. New Membership Youth Share Savings account requires a minimum $5 deposit. Child s Social Security card must be presented when account is opened. $10 gift card will be mailed to member s residence within 2-4 weeks of promotion. Promotion valid 7/13/15-7/31/15.

3 3 Christmas Club in July! The holidays are closer than you think! Open a Christmas Club account for just $5 and start saving today. Only 177 shopping days are left! Ask for more details. Kids Eat Free Monday Members Heritage is a sponsor of Kids Eat Free Monday with the Lexington Legends. Kids 12 and under who attend a Monday home game will receive a voucher for a free hot dog and soft drink. Just redeem the coupon at the concession stand that night for a free meal. Remaining games this season for Kids Eat Free Monday with Members Heritage include: July 6 and 27 Aug. 3 and 17 Sept. 7 Good luck to the Lexington Legends! For more information about our home team and the 2015 game schedule, visit Go team! Open a Christmas Club account for just $5 Members Heritage Fees The following fee changes will occur on Sept. 1, 2015: Shred-It Events Want to safely get rid of personal documents you no longer need? Members Heritage will be hosting Shred-It Events at the following locations: Nicholasville Branch Wednesday, July 22, from 11 a.m. to 1 p.m. at our Nicholasville branch location at 1039 N. Main Street Winchester Branch Wednesday, Sept. 16, from 11 a.m. to 1 p.m. at our Winchester branch location at 339 Shoppers Drive Fee Type Fee Return Fee/Overdraft Privilege $29 ACH/Debit Card Overdraft $29 Returned Deposit Item $10 Undeliverable Mail* $5 Garnishment Processing $50 Drilling of Boxes/Key Replacement $90 per occurrence * Undeliverable mail fee goes into effect after 4 consecutive periodic statements. This service is provided for personal shredding only. No businesses, please.

4 4 New ATMs at Speedway We ve added new ATMs in the following Speedway locations for your added convenience: Did You Know? US 27 & Ladish Rd., Cynthiana, KY 611 Maysville Rd., Mount Sterling, KY 39 S Maple St., Winchester, KY 510 Eastern Bypass, Richmond, KY 125 Darby Dr., Georgetown, KY 3585 Lexington Rd., Versailles, KY 5 th & Main St., Danville, KY Your Members Heritage Credit Card Is Now Chip Enabled To use your card with a chip card reader: 1. Insert the chip end of the card into the terminal (chip facing up) 2. Keep the card in the terminal throughout the transaction and follow the prompts on the screen. (Removing the card too soon will cancel your purchase.) 3. Remove your card when prompted. You may need to sign or enter your PIN for your purchase. If the merchant is not yet chip-activated, you can still swipe your card to pay. Learn more at Dealer Direct Put yourself behind the wheel of a new car this year with MHCU s Indirect Lending program. You can find your dream car, finance it directly on the lot and drive away, all in the same day! Simply tell the salesperson that you are a Members Heritage member, and you want your loan with us no need for a special trip to the credit union. Indirect dealers can even open new accounts, so your family may also be eligible for our financing. For a list of participating dealerships close to you, go to Or give us a call at. Considering a home purchase or refinance? I can help! As a member of Members Heritage Credit Union, you are entitled to a special mortgage lending program through SWBC Mortgage Corporation. HomePlus offers a one stop shopping experience with a team of qualified REALTORS and Mortgage Lending Professionals. CONTACT ME TODAY to learn more about this special program from Members Heritage. JAMIE MORRISON Financial Institution Loan Officer NMLS # Park Place Lexington, KY Direct: Toll Free: , ext jmorrison@swbc.com Apply online at SWBC. All rights reserved. Loans are subject to credit and property approval. Programs and guidelines are subject to change without notice. Rates change daily. Certain restrictions and conditions may apply. First mortgage services provided by our partner SWBC Mortgage. Corporate Office located at 9311 San Pedro Suite 100, San Antonio, Texas NMLS #9741 (

5 Scholarship Winners We are happy to announce the three winners of the 2015 Youth Scholarship Program: Anne Marie Place, Michaela Carter and Chelsea Faught. These students have excelled not only in their studies but also in many extracurricular and leadership activities. Anne Marie Place is a graduate of Henry Clay High School and will attend the University of Louisville in the fall. Anne Marie will major in Dental Hygiene with plans to become a dentist. Michaela Carter graduated from Tates Creek High School and will attend Western Kentucky University. Michaela is majoring in Biology/ Pre-Med with plans on becoming a pediatrician. Chelsea Faught is a graduate of Lexington Catholic High School and will also be attending Western Kentucky University this fall. Chelsea will major in Broadcasting. These students received $2,000 from Members Heritage to help finance their continuing education. Pictured left to right: Pat Ferry, President; Anne Marie Place; Michaela Carter; Chelsea Faught; and Board Chairman, Bobby A. Flynn. Annual Meeting Notes MHCU s Annual Meeting was held on Friday, April 10. There were 171 members in attendance at the meeting. Speakers included the Board Chairman, Vice Chairman, President and Treasurer. Reports were given by Mark Mefford, Supervisory Committee Chair; Jeff Sterne, Education Committee Chair; and Jesse Northcutt, standing in for Nominating Committee Chair. Board Chairman Bobby A. Flynn recognized the following volunteer for her years of service and presented her with a service pin. Norma Houston 20 years It was reported by President Pat Ferry that 2014 was another extremely busy and challenging year. We added additional services for the membership. These included our mobile banking app, remote deposit capture of checks, external transfers to and from other financial institutions and also ramped up our eservice staff. We added an Everyday Spend Card, which is a great enhancement to our gift card program. ATM machines in Richmond and Hamburg were added. Other ATMs are being planned for different areas for our members convenience. The big news is that we switched from a Federal chartered credit union to a State chartered credit union, said Pat Ferry. This change allows us to add new members in the 22 counties surrounding Lexington. It also has led to a decrease in our regulatory fee of approximately $50,000 per year. We want to reassure you that this change will not affect your share insurance. We are still Federally Insured by the NCUA. President Pat Ferry concluded with, 2014 was a great year for what we were able to accomplish. Thank you for your support and usage of the Credit Union. I want to assure you that your credit union is safe, sound and secure! We are excited about 2015, especially with our new State charter! There were two vacancies on the board to be filled. The Nominating Committee nominated Bobby A. Flynn and Les Burton to fill the two vacancies. With no other nominees being submitted, a three-year appointment to the Board of Directors was declared for Bobby A. Flynn and Les Burton by acclamation. The meeting was closed with a door prize drawing courtesy of Members Heritage and area vendors/business partners who donated items. At the Board s reorganizational meeting, immediately following the annual meeting, the following offices were filled: Officers: Bobby A. Flynn, Chairman Jim Allen, Vice Chairman Mike Proctor, Secretary Manlus Les Burton, Treasurer Jeff Sterne, Director Michelle Thomas, Associate Director

6 Holiday Closings Independence Day Friday, July 3 and Saturday, July 4 Labor Day Monday, Sept Park Place Lexington, KY Like us on Facebook! Columbus Day Monday, Oct. 12 Locations and Hours Park Place 440 Park Place Lexington, KY Fax M F 8 a.m. to 5 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Federal Medical Center (FMC) (Employee Access Only) 3301 Leestown Road Lexington, KY Fax Pimlico 3202 Custer Drive Lexington, KY Fax M F 8 a.m. to 5 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Members Way 2420 Members Way Lexington, KY Fax M F 8 a.m. to 5 p.m. Winchester 339 Shoppers Drive Winchester, KY Fax M F 9 a.m. to 5 p.m. M F 9 a.m. to 5:30 p.m. Lexmark (Employee Access Only) Lexmark Building 003 Lexington, KY M F 8 a.m. to 4 p.m. Nicholasville 1039 N. Main Street Nicholasville, KY Fax M F 9 a.m. to 5 p.m. M F 9 a.m. to 5:30 p.m. Zebulon 125 E. Gannon Ave. Zebulon, NC Fax Lobby & Hours M F 8:30 a.m. to 5 p.m. M F 8 a.m. to 4:30 p.m. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 p.m. Visit Us Online. Be sure to check out on a regular basis. Find news, articles and information about your credit union. MHCU Board of Directors Bobby A. Flynn Chairman Jim Allen Vice Chairman Mike Proctor Secretary Manlus Les Burton Treasurer Jeff Sterne Director Michelle Thomas Associate Director 24-Hour Lending Apply for a loan anytime! Evenings and weekends, call Federally Insured by NCUA Discount Amusement Park Tickets MHCU offers discount tickets at our teller lines at the Park Place, Pimlico and Members Way locations for the following amusement parks: Cincinnati Zoo Creation Museum Newport Aquarium Kings Island Louisville Zoo The Beach Coney Island Kentucky Kingdom Holiday World Pricing information can be found at This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from one or more of these sources: istock, Fotolia Members Heritage