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1 /):\WESTERN ~ ROCKIES Federal Credit Union fallinlov[with ~ov~ No payments for 3 Months! During August, September, and October -PLV5 Credit Builder Loans! More Information on Page 6 CA~

2 More Savings - More Possibilities More money in your pocket, thanks to Western Rockies FCU and Love My Credit Union Rewards. Saving on the products and services you need and use every day is easy with Love My Credit Union Rewards. As a member of Western Rockies, you can get discounts and rewards that include: Get a $100 cash reward for each new line you activate, up to 3 lines. Plus, get a $50 cash reward every year for as long as you are a Sprint customer.* Up to $15 off TurboTax federal products! An exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. You must call to receive this special offer through the Love My Credit Union Rewards Program. Trusted protection at true savings with the TruStage Auto & Home Insurance Program. Cash back at over 1,500 online retailers with Love to Shop. Sign up now and join the credit union members who have saved nearly $2 billion in discounts. Visit LoveMyCreditUnion.org today! LOVE MY CREDIT UNION REWARDS >Sprint "Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers : Avail. for eligible credit union members & member employees with qualifying corp. id. (ongoing verification ). $100 Cash Reward for new smartphone line activ. up to 3 lines. Req. activ. at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrs., replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. No add'i. discounts apply. Loyalty Reward: $50/line/yr. Cash Reward up to 3 lines when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $50 Cash Reward for up to 3 smartphone lines transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards & click on "Cash Rewards Tracker" Other Terms: Offer/coverage not avail. everywhere or for all phones/networ ks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

3 6 Ways to Handle Unexpected Vet Bills If you're an animal lover with a few pets, you do your best to take care of your furry or feathered friends. Like you, they'll need health check-ups and will get sick or injured at some time, requiring medical attention. To make sure those expenses don't become a financial burden, or are so costly that you can't afford the treatment, here are six ways to help you prepare for and deal with them. 1. Create a savings account specifically for pet expenses. If you have many pets or one with a known medical condition, put aside a set amount each pay period in a separate account just for those expenses. 2. Pet insurance. There are quite a few pet insurance companies to choose from, like Figo Pet Insurance, Healthy Paws, and Trupanion. Many won't cover pre-existing conditions, so choose an insurance company before your pet develops a chronic condition. 3. Negotiate an installment plan. If you've been a customer in good standing, your vet may be willing to accept payment in monthly installments. 4. Find animal welfare organizations or charities in your community. Some animal shelters offer veterinary loans and grant programs, and many veterinary schools run low-cost clinics. 5. Care Credit. Many vets accept this credit card which is specifically made for health care expenses, including your pet's. It offers different financing options, some even foregoing interest charges for 24 months, as long as you make minimum monthly payments and pay the amount in full by the end of the promotional period. If you do not, interest is charged from the original purchase date. 6. Apply for a personal loan. If your pet's treatment is going to be a major expense, then consider asking the credit union for a personal loan. The loans usually have a fixed rate and must be repaid in monthly installments within a set amount of time. Copyright 2018 Credit Union National Association Inc North Ave, Grand Junction, CO marketing@westernrockiesfcu.org

4 TruStage INSURANCE PRooucrs INSURANCE PROTECTION FOR WHAT'SIMPORTANT Designed for credit union members Different life stages mean different responsibilities. As those commitments build, grow and change, make sure to evaluate the insurance coverage you need to protect them. Insurance can be complex, but you don't have to be an expert. That's why we're here to help you with sound information and the tools you need to make the right decisions. Trusted by your credit union Our partnership with credit unions like yours goes back more than So years. In that time, we've built our reputation on exceptional value, superior service and a commitment to serve the memberfocused mission of credit unions everywhere. Cal I us today to find out how we can help you Visit us at TruStage.com - F..:5 trustage - TruStageInsuranceAgency GEN TruStage Insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union North Ave, Grand Junction, CO marketing@westernrockiesfcu.org

5 DividendRates WESTERN ROCKIES Federal Cred i t Union Share Savings Share Certificates 1 Year 2 Year 3 Year 5 Year IRA Accounts IRA Savings 3 Year 5 Year APR* APY** 0.03% 0.03% 0.20% 0.20% 0.40% 0.40% 1.15% 1.15% 0.03% 0.03% 0.60% 0.60%

6 ~ WESTERN ly'rockies Federal Credit Union Fall In Love With Your Car Western Rockies is offering 3 months of no payments on auto loans closed this August, September, and October. Please speak to a loan officer if you are interested. Don't have stellar credit? Don't stress, we can still help you take advantage of this promotion, and we offer credit builder loans. Western Rockies At 2018 PBS Kids Fest - August 11th On August 11th, Western Rockies participated in the Rocky Mountain PBS Kids Fest. The Western Rockies crew showed up with treasure chest piggy banks, play pirate gold, and even a pirate chest filled with treasure for the lucky child that received the correct key and won a $50 cash prize. This child centered event occurs every August, and Western Rockies was proud to be a sponsor this year to contribute to the growth, education, and entertainment of Western Colorado children. Find The Perfect Vehicle Right From Our Website If you've been thinking about a new car, we can do more than just provide you with the loan! Search through inventory from local Western Colorado Car Dealerships, right from our website! Whether you need to keep it under a specific price range, or search by make and model, or even the year of the vehicle, you can filter down your results to your specific needs! Once you've found the perfect vehicle, our loan officers can help you get the loan you need so you can call that new car your own. Visit for more information about Autosmart! 3 months no payments on new loans closed with Western Rockies during the months of August, September, or October. You must be a member in good standing. Vehicle loans must have current insurance. This promotion excludes Real Estate, Visa, and Overdraft Line of Credit North Ave, Grand Junction, CO I I marketing@westernrockiesfcu.org I