INSIDE. Happy Credit Union Month! What Makes Our Credit Card Amazing? Fall 2016

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1 INSIDE Fall Happy Credit Union Month! At Members Heritage, we are celebrating Credit Union Month in October. This is our way of saying thanks to each of you for your loyalty with MHCU. Specials for the month include: Auto Loans Rates always as low as 1.99% APR!* Buy a new car, get a pre-owned car or refinance your current loan from another institution and save money with Members Heritage. You will have a chance to win $500 when you book your auto loan with us during the month of October.* There will be 3 drawings for $500! We re waiving our fees on Home Equity Lines of Credit and 2nd Mortgages!** Go Green with estatements sign up for estatements and you ll receive a $10 Gift Card!*** * This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Auto Loan in-house refinances must take $1,000 in new money. Auto Loan promotion valid 10/1/16-10/31/16. No purchase necessary for $500 drawing. One entry per person. You may write your name and full mailing address, address and phone number on a 3 x 5 index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY ** APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Contact Members Heritage for current rate information year terms available. MHCU refinances require an additional $2,500 in new financing. Excludes title insurance expenses, if applicable. Proof of homeowners insurance is due at closing. Member saves an average of $100-$450 on closing costs throughout this promotion. MHCU is an equal housing lender. Promotion is valid in Kentucky, Indiana and North Carolina only. Consult your tax advisor regarding potential tax benefits on interest paid. HELOC & 2nd Mortgage promotion valid 10/1/16-10/31/16. *** estatement promotion valid 10/1/16-10/31/16. Ten dollar gift card will be sent to member s residence within 2-4 weeks after promotion ends. What Makes Our Credit Card Amazing? See page 2 for details. Page 2 Page 3 Page 4 Page 5 Page 6 Credit Cards Jingle Bills Loan Visa Gift Cards Did You Know? Indirect Lending First Mortgages Remote Deposit Shred-It Event Chip-Enabled Debit Cards Auto Refinance Skip-A-Payment Double Your Points! Christmas Club Online Banking Holiday Closings Board of Directors

2 2 Jingle Bills Loan Wrap up your holiday shopping with a little help from us! Borrow up to $2,500! Take up to a year to repay! You will be entered to win a $200 payment toward your loan! * This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates are subject to approval. Drawing will occur in November, December and January for previous month s booked loans. Winner will be contacted via phone and $200 will be made as payment to loan. Jingle Bills Loan available 10/1/16-12/31/16. Visa Gift Cards Whatever the special occasion, our Visa Gift Cards fit your needs. Whether it s the holiday season, birthday, graduation, anniversary or simply to say thanks, our Visa Gift Cards are the ideal solution. Our Cards fit everyone s style, personality and interests, because recipients can buy just what they want. Our Visa Gift Cards offer colorful designs that are as fun to give as they are to receive. Use it wherever Visa debit cards are accepted. Unlike a gift certificate for a specific store, our Visa Gift Cards can be used at millions of merchants around the neighborhood or around the world. They can even be used to order an item online or by phone. Our Visa Gift Cards are safer to carry than cash and easier to use than a check. So you re also giving the gift of security and convenience. Visa Gift Cards are available in amounts from $10-$1,000. There is a $3 fee per gift card. To purchase a Visa Gift Card, simply stop by Members Heritage or call us for more information.

3 3 Did You Know? MHCU Offers Business Accounts and Loans! Companies can choose from our Basic and Classic Business Share Draft Checking accounts. We also offer Commercial Real Estate Loans, Corporate Vehicle Loans and Secured Operating Lines of Credit.* For more details on Business Accounts, please contact us at ; for details regarding business loans, contact our Cooperative Business Services partner, Sean Riley, at Indirect Lending Your time is money and at MHCU, our Indirect Lending program can save you both! Find your dream car and finance it with Members Heritage right on the lot at participating dealerships. Simply tell the salesperson you are a Members Heritage member and request that your loan be with us no need for a special trip to the credit union. Indirect Lending 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. * Minimum loan amount = $50,000. Membership eligibility requirements apply. Remote Deposit Deposit Checks On-the-Go Considering a home purchase or refinance this fall? 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 TM 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 #6298 GA License # 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 (www. nmlsconsumeraccess.org). Georgia Residential Mortgage Licensee Deposit checks without driving to a branch or putting checks in the mail! Use the Members Heritage Mobile App to make deposits in a snap with your iphone or Android device, or scan and upload check images for electronic deposit into your account. Deposits are quick, convenient and secure. Remote Deposit helps: Make check deposits any time day or night, even on weekends Save time and money by reducing trips to the credit union and eliminating the need to buy stamps and envelopes Speed reconciliation time with online deposit history. Remote Deposit is available to qualified members* by downloading the free Members Heritage App from Apple s App Store or from Google Play for Android. * You must be enrolled in online banking in order to access to mobile app. Eligibility for Remote Deposit is subject to Credit Union approval. Remote deposit is for checking accounts only. There is currently no cost for using this service. iphone is a trademark of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android and Google Play are trademarks of Google, Inc. Members Heritage is not endorsed, sponsored, affiliated with or otherwise authorized by Apple, Inc. or Google, Inc.

4 4 Shred-It Event Members Heritage is hosting a Shred-It event for members on International Credit Union Day, Thursday, October 20 from 10 a.m. to 1 p.m. at our Park Place location. This service will be provided for personal shredding only. No businesses, please. Skip-A-Payment Need a little more cash around the holidays? You can now skip a loan payment* and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped. To take advantage of this offer, print out a coupon online at (Under Quick Links/Applications/Skip- A-Payment) and return by mail or bring it to one of our convenient locations. * In order to participate, all loans must be current and accounts must be in good standing. Loans that have an extension or payment modification within the last year may not qualify. This offer does not apply to first mortgages, home equity loan/second mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability and/or credit life insurance may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply. Nov. Dec. Jan.

5 5 Double Your ScoreCard Points! 2X Nov. 21 Dec. 31 From November 21 through New Year s Eve, you can earn Double ScoreCard Points on your Members Heritage MasterCard or Visa credit card! For every dollar you spend, you ll double your points! ScoreCard gives you great options on redeeming points. ScoreCard provides everything from cash back credit, gift cards and charity gift cards, to merchandise and travel options! To redeem your points, go to Don t forget to use your credit card this holiday season and Double Your Points! Christmas Club It s time to go shopping! For those of you who opened a Christmas Club account this year, your balance will be deposited in your primary account on Oct. 1. Happy Shopping! Remember: It s never too early to start saving for next year! Open a Christmas Club account for just $5 and add to it anytime, in any amount you wish. Ask us for more details. * Christmas Club accounts limited to one per member. Online Banking Interested in online banking? You can sign up online! Simply go to and in the upper right of the page, click New User Click Here. You will then follow the prompts and fill out the appropriate information. This service offers security, confidentiality and convenience.

6 Holiday Closings Columbus Day Monday, October 10 Veterans Day Friday, November 11 Thanksgiving Day Thursday, November 24 Christmas Day Monday, December 26 New Year s Day Monday, January Park Place Lexington, KY Like us on Facebook! 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 M F 8 a.m. to 4:30 p.m. 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. M Th 8 a.m. to 5:30 p.m. Fri. 8 a.m. to 6 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. 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 Mike Harding Director Michelle Thomas Associate Director 24-Hour Lending Apply for a loan anytime! Evenings and weekends, call Federally Insured by NCUA Get Involved at Members Heritage The Board of Directors is made up of qualified, volunteer credit union members. As a member of our Board, you can help shape the future of the credit union while using your skills to contribute to its mission. Anyone wishing to run for the Board of Directors must notify the Nominating Committee by Nov. 30, Contact Lisa at x 7239 for more information and to learn the necessary qualifications to volunteer. Don t want to run for the Board? MHCU has several volunteer committees that meet monthly to make decisions about our operations, marketing, compliance issues and more. Member involvement is key to our success! Look for our January 2017 newsletter for our Annual Membership Meeting date to be held in April. 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 istock and/or Fotolia Members Heritage