CREDITViews FALL Inside: BETTER MOBILE BANKING CALL FOR APPLICATIONS FOR THE MEMBERS OF COLUMBUS METRO FEDERAL UNION

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1 FOR THE MEMBERS OF COLUMBUS METRO FEDERAL UNION CREDITViews CALL FOR APPLICATIONS Credit unions are member-owned cooperatives, and this is your chance to participate in the democratic process. We are currently accepting applications for our board of directors. To be considered, you must be, at minimum, a credit union member in good standing and willing to serve on a volunteer basis. You should be able to dedicate a few hours each month to board activities, including a meeting during regular business hours. To apply, send your résumé and a brief cover letter to: Nominating Committee Columbus Metro FCU PO Box Columbus, OH BETTER MOBILE BANKING Better mobile banking is just around the corner with the launch of our new mobile banking app on October 9. The new MetroWeb Mobile offers a better user experience, improved navigation and more features than ever, including: In-app password changes Mobile check deposits Log in using Touch ID/fingerprint recognition Low balance alerts In the coming weeks you ll also be able to view e-statements and check copies through the app. What you need to know about the transition to the new MetroWeb Mobile: Monday, October 8 You can use the existing MetroWeb Mobile app until 10:00 p.m. EST. (The desktop version of MetroWeb will be available throughout the mobile conversion.) Tuesday, October 9 Manually delete the existing MetroWeb Mobile app from your device. Download the new MetroWeb Mobile app Search for New MetroWeb Mobile in the App Store SM or Google Play Store. The app is available for ios 9.0 or higher and Android 4.1 or higher. Once you download the new app, you can log on with your existing MetroWeb ID and password. You ll go through a short setup process and have the opportunity to enable Touch ID or fingerprint recognition. Be sure to watch the short tutorial and then start exploring all that the new MetroWeb Mobile has to offer! (Note: Text and mobile banking via will not be available after October 8. You can download our app through the App Store or Google Play Store, or you can access MetroWeb through our website.) FALL 2018 Applications must be received by November 9, 2018, to be considered. Inside: Gift Cards Free Credit Freezes Now Available New Credit Card Fraud Alerts How To Save In The Gig Economy

2 Super Money Market $20,000 minimum % APY $50,000 or more % APY 6 Month Share or IRA Certificate $1,000 minimum % APY 12 Month Share or IRA Certificate $500 minimum % APY 15 Month Share or IRA Certificate $500 minimum % APY Allows deposits of $250 or more 36 Month Share or IRA Certificate $500 minimum % APY 60 Month Share or IRA Certificate $500 minimum % APY Education Growth Fund Certificate $250 minimum % APY Vehicle Loan (2017 to 2018) As low as %* Up to 72 months Vehicle Loan (2013 to 2016) As low as %* Up to 66 months Vehicle Loan (2012 & older) As low as %* Up to 60 months Credit Cards Visa Platinum % APR* FREE CREDIT FREEZES NOW AVAILABLE Credit reporting agencies now offer free credit freezes to all consumers, thanks to a new federal law that took effect in September. Previously, consumers had to pay to freeze their credit unless they had been the victim of identity theft. A credit freeze prevents new creditors from reviewing your credit report, which makes it harder for identity thieves to take out credit in your name. It also means that you can t apply for credit, either, unless you lift the freeze using a special personal identification number. A freeze at one bureau doesn t automatically transfer to the others, so you ll need to contact each bureau individually. You can find more information on freezing (and unfreezing) your credit online: Equifax Experian TransUnion If you have children, you may want to consider freezing their credit as well. Identity thieves often target children because the crimes can go undetected for years. If your child doesn t have a file which is usually the case then the bureau will create one and freeze it. Just be sure to safeguard the PIN for unfreezing each child s file and plan ahead to remove the freeze at the appropriate time. Home Equity Loan Fixed Rate Call for rates Up to 180 months KEY RATES Home Equity Line of Credit Redi-Line % APR First Mortgages Contact Jenniffer McNamee at ext or jmcnamee@columbusmetro.org Rates current as of 9/07/18 and subject to change without notice. See a Member Services Representative for full details. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Loans made subject to standard loan approval guidelines. *The rate you pay may vary based on your credit history and/or loan-to-value ratio. Mr. Henry T. Flint, the longtime chairman and member of the Columbus Metro FCU board of directors, retired effective August 31. Mr. Flint has been a credit union member for over 55 years. He served on the credit committee for 20 years before being elected to the board in He served as vice chairman for 12 years and as chairman for 24 years. We appreciate Mr. Flint s long and distinguished service to the credit union; his wisdom and experience will be missed! Mr. Fred Harris, the board s first vice chair, will assume Mr. Flint s duties as chairman until the board holds its next organizational meeting in March. Mr. Harris is also a longtime member of the board, having served 35 years including 23 years as treasurer. Federally insured by NCUA

3 NEW CREDIT CARD FRAUD ALERTS Protecting your Columbus Metro Visa Platinum card from fraud requires 24/7/365 monitoring. Now, thanks to new fraud alerts, that protection is better than ever. Fraud alerts notify cardholders in real time if suspicious activity is detected. If you tell us the transaction is legitimate, you can continue to use your card without interruption. If you tell us it s unauthorized, your card will be blocked immediately to prevent further fraudulent activity. How we contact you If we have a mobile phone number on file for your card, we will send you a text message asking you to confirm the transaction(s) in question. The message will arrive with a five-digit code (99350) and contain the credit union name, the dollar amount of the transaction, and merchant name. Simply reply Y you authorized the transaction or N it is fraudulent. You ll receive a confirmation text with more information. If we do not have a mobile phone number or do not receive a reply to the text, you will receive a call from our interactive voice response system. The message will contain the credit union s name, your name, and the last four digits of your card number as well as a tollfree number to call to verify the recent transactions on your card. How you can help You can help us protect your card by keeping us up to date with your current contact information, including your mobile phone number(s). If you are traveling, contact us prior to your departure and we ll make our monitoring more flexible while you re away from home. FIND YOUR PLATINUM LINING Celebrate 70 years of International Credit Union Day On October 18, credit union members around the world will celebrate International Credit Union Day, an annual event to commemorate the credit union industry s impact and achievements. This year s theme combines the traditional 70th anniversary gift of platinum and a play on the saying every cloud has a silver lining. It s a chance to look back and celebrate the lives and communities that have been improved as a result of credit unions people-first philosophy. There are over 89,000 credit unions in 117 countries around the world. Many people would not have been able to afford to own homes, start new businesses or attend school without the help of their credit unions. And in some areas of the world, people would have no access to financial services at all without credit unions. At Columbus Metro, we traditionally spend the month of October collecting items for a local food pantry. You can join in by dropping off non-perishable food items at any branch throughout the month, and we ll make sure those items get to those in our community who need a little help right now.

4 HOW TO SAVE IN THE GIG ECONOMY If you drive for Uber or Lyft, rent out a room through Airbnb, or shop for Instacart or Shipt, then you re one of the growing number of Americans earning money in the gig economy. The gig economy offers flexibility and access to many employment opportunities. But without a predictable paycheck or employer-sponsored savings or health coverage, selfemployed workers are less likely to save. Preparing for an emergency or saving for a goal such as purchasing a new home doesn t have to be difficult, but you do need to make it a priority. Use these tips to get started: Step 1: Save automatically The easiest and most effective way to save is automatically. An advantage to the high-tech gig economy is that as a rule, most paychecks are directly deposited into your bank account. If your check is deposited to your checking account, we can automatically transfer money into your savings account each month. Step 2: Build an emergency fund An emergency fund is simply savings that you set aside for unexpected expenses. An emergency fund is especially important for workers without a steady paycheck because it will cover things like a period of unemployment or repairing the car you need to get to work. If you have an emergency fund, you can cover these expenses without taking on more debt. If you don t have an emergency fund yet, $500 is a good goal to aim for. Step 3: Open a retirement account You don t need an employer-sponsored account to save for retirement and receive tax benefits. You can open an Individual Retirement Account and contribute up to $5,500 each year ($6,500 if you are age 50 or older). There are two main types of IRAs, traditional and Roth; each has its own set of rules and offers different tax benefits. For more information on both options, go to BILL PAY GETS A MAKEOVER While our mobile banking app is getting a complete overhaul, MetroWeb Bill Pay is getting a makeover. You ll notice an improved user interface that includes larger font sizes, text resizing up to 200%, and the ability to tab between fields. There will also be a new Payees tab where you can edit or delete payees, schedule single payments and more. The bill pay interface will automatically update on October 10; no action is required of users. BY PHONE BY FAX BY cmfcu@columbusmetro.org BY MAIL P.O. Box Columbus, OH VISIT US 4000 E. Broad St. Columbus, OH E. Main St. Reynoldsburg, OH N. Hamilton Rd. Gahanna, OH DSCC Building 20 Room B110S DFAS Building 21 Room A HOUR SERVICES MetroWeb Bill Pay Support Visa Balance & Payment Inquiries Lost or Stolen Visa Lost or Stolen Debit MasterCard CONTACT US

5 IMAGINE THE POSSIBILITIES GIFT CARDS New couples New homeowners New parents And everyone in-between! Any reason is a good reason, because it s really all about them. Want to Know More? Visit: [Logo Here] Purchase fee of up to $6.95. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $5.00. Visa gift cards and MasterCard gift cards are issued by MetaBank, Member FDIC. MasterCard is a registered trademark of MasterCard International Incorporated.

6 P.O. Box Columbus, OH Presorted STD U.S. Postage PAID WC HOLIDAY CLOSINGS CREDITViews VETERANS DAY Monday, November 12 THANKSGIVING DAY Thursday, November 22 CHRISTMAS DAY Tuesday, December 25 NEW YEAR S DAY Tuesday, January 1 DON T LET A WRECKED VEHICLE WRECK YOUR FINANCES Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume that your new vehicle will depreciate on average 20% the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it s deemed a total loss due to an accident or theft. Our GAP program can help fill the gap between what your vehicle insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000 or more. Contact us today to learn more about adding GAP Plus to your vehicle loan so you can worry less about tomorrow. * Car Depreciation 5 Things to Consider, CARFAX, May 18, 2017 Your purchase of MEMBER S CHOICE Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP CUNA Mutual Group, All Rights Reserved.