Becoming. A Family Member

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1 Becoming A Family Member Are you an employee of one of our Community Partners? Do your children attend school in one of our partnering schools in Jackson and Ingham counties? Are you involved with any of the organizations or churches included in our field of membership? Are you a family member of a current member? Our vast field of membership makes it easy for nearly everyone to join. Over the years we have grown to serve businesses, organizations and schools in the Jackson, Brooklyn, Parma and Mason areas. Joining our family is easy, and all you need is a one-time $1 membership fee plus a $5 minimum deposit in your savings account. This is your share in the Credit Union, which allows you to vote for your Board of Directors. Visit any of our convenient locations or call us at (517) to join today! 1

2 We Go Everywhere There are so many reasons to love banking with us, and saving time is a huge benefit with these services: Shared Branching We re part of the CU Service Centers Network, a national coalition of credit unions handling transactions for each other s members from coast to coast. CO-OP ATM Locator Find a nationwide network of surcharge-free ATMs at co-opnetwork.org. Teller 24 Check balances, transfer funds, withdraw funds and more by calling (517) or (800) Online and Mobile Banking FREE Online and Mobile Banking allows you to view realtime balances, transfer funds, pay bills and much more. 2

3 Convenient Services Saving time and earning free rewards should come to mind when you think of banking with us. Or, consider the amount of convenient services we offer. Online and Mobile Banking, Bill Pay - FREE Products that are simple to use with high levels of security. View real-time balances, transfer funds and pay bills. estatements - FREE Reduce clutter and make it easier to retrieve information. ScoreCard Rewards Debit Card Earn valuable rewards with every purchase. Shared Branching A national coalition of credit unions handling transactions for each other s members from coast to coast through CU Service Centers Network. CheckMate Overdraft Privilege Limited coverage upon qualification, or opt-in for full protection. Financial Hardship Solutions - FREE Anonymous financial counseling and assistance. Additional Services CO-OP Concierge Program, Direct Deposit, Notary Service, Safe Deposit Boxes, Teller 24 and more. Member Discounts Exclusive member discounts at cpfederal.com.

4 Online Banking & Bill Pay Kick back and relax because online banking can save you tremendous time and money. This free service lets you manage your accounts from the convenience of your home, office, hotel, or anywhere you find an Internet connection. Free service available 24/7 Simple to use Transfer funds View balances in real-time Highest level of security FREE online Bill Pay: Pay unlimited bills through one screen Enter payee info only once Eliminate fees Set up recurring payments and more cpfederal.com https://hb.cpfederal.com 4

5 Mobile Banking Being on-the-go isn t a problem with our Mobile Banking application, CP Federal. CP Federal can be downloaded from the App Store SM, or by using Google Play Store app. View account balances View loan balances and history Transfer funds View privacy policy Share us via and social network sites Change your password Locate ATMs Contact us View marketing messages There is no charge to download the CP Federal app, but data and connectivity charges from your mobile service provider may apply. Please contact your mobile service provider for more information. Apple, the apple logo, and itunes are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google Inc. Download CP Federal today! 5

6 Savings & Investments Our sole mission is to strengthen your financial health. We do that with better savings options and deeper relationships. Regular Share* Account Gives you a say in everything we do. Kasasa Saver** - FREE High interest savings account. CP Money Tree Earn competitive dividends and gain greater flexibility. Super Cash Enjoy tiered rates for greater earning potential. Club Accounts Earn greater dividends than regular shares with a Vacation or Christmas Club account. Share Certificates Earn guaranteed, investment-level returns with zero risk. Individual Retirement Accounts (IRAs) Enjoy competitive dividends that are federally insured. Health Savings Accounts (HSAs) The perfect tool to gain wealth for your health. *Required for membership. **See Member Disclosure for full details. 6

7 Checking Accounts We deliver checking accounts designed around you. You choose the one that fits your lifestyle. Kasasa Cash* This FREE, high interest checking account earns massive interest and ATM fee refunds (up to $20 per month when monthly qualifications are met) nationwide without costing you a cent! There are no monthly fees or balance requirements in order to earn. Just big time rewards for using your MasterMoney Debit Card, having Direct Deposit or one automatic payment, and using estatements. Also, add our FREE Kasasa Saver account to earn more. Choice Checking* Enjoy an amazing set of rewards and identity protection for a low monthly fee. Plus, there are ways you can reduce or eliminate your monthly service fee altogether by using your MasterMoney Debit Card and receiving estatements. These are simple things you probably already do. Golden Power Checking (members 50 and over)* We invite you to enjoy the valuable benefits of Golden Power Checking featuring Benefits Plus with the first year being free. Allow us to help you save money with discounts and rebates on travel, entertainment, groceries and much more. *See Member Disclosure for full details. 7

8 Teller Hour Telephone Access Dial (517) or (800) anytime to conveniently access your account. Whether you re standing in the checkout line, relaxing by the pool, or running errands your accounts are always a dial away. Services available through Teller 24 are: Balance inquiries Transfer funds Withdraw funds Other services Joint member inquiries Loan services and more 8

9 Loans Rather than treat your dreams like a spreadsheet, we take your needs personally and find solutions. Home Mortgage and Equity Loans Fixed and adjustable rate options; New home purchases and refinances; construction loans; vacant land loans; VA, FHA and Rural Housing. Also, Fixed and Line of Credit Home Equity loans. Personal Loans and Revolving Line of Credit Unsecured loans accessible through our teller line, Teller 24, Online Banking or Mobile Banking. Consumer Loans New or used autos, trucks, vans, recreational vehicles, motor homes, campers, boats, snowmobiles and more. Partnering Auto Dealers We have streamlined the car buying experience with our partnering auto dealers* into just one visit. Become a member of CPFCU while at the dealership Experience a fast and easy approval process at partnering auto dealers Simply drive home in your new vehicle Online Applications Visit cpfederal.com to apply online. *Visit cpfederal.com/personal/loans/auto-loans.html for a list of our partnering auto dealers. 9

10 Visa Credit Cards The worldwide purchasing power of Visa is made even better when paired with our hometown local touch. We offer three cards to choose from: Platinum, Gold and Classic which are all serviced in-house and can be issued on-the-spot at select locations. Applying is easy, so don t wait to get the card that gives you more of what you want. Visa Platinum Preferred* Receive our lowest interest rate of just 3.00% Annual Percentage Rate (APR) above Prime. The benefits with this card are no annual fee and a ScoreCard Reward program which earns one point for every $1.00 spent. Credit limits start at $5,000 and include Travel Accident Insurance of $1,000,000. Visa Gold* Offering a lower APR than the Classic with no annual fee and low monthly payments. Credit limits start at $3,000. Visa Classic* Receive a low interest rate with low monthly payments. Credit limits up to $10,000 with a $10 annual fee. Online Applications* Visit cpfederal.com to apply online. *Subject to Credit Approval 10

11 Mortgage & Home Equity Loans We are committed to removing any obstacles in the way of home ownership dreams. We are proud to have the lowest closing costs in the area and great low rates to match. Just as important, we provide truly personal service at an unmatched level. We work closely with you every step of the way. Visit cpfederal.com to inquire about Mortgage and Home Equity loans online. Mortgage Loans Low, competitive rates Local and quick decision-making Lowest closing costs in the area Golden Power and Choice Checking members receive $100 off closing costs Close within 3-4 weeks Non-conforming loans available FHA, VA and Rural Development in partnership with Member First Mortgage Home Equity Loans Low, competitive rates Local decision-making Interest may be tax deductible* No closing costs** Amount based on equity in home Use funds for any purpose *Consult a tax advisor. **Appraisal may be required. 11

12 Leading Financial Education is our motto of The Vault program here at CP Federal Credit Union. It is our goal to provide real life financial experiences and information to the youth in our community in order to nurture financially productive adults. 12

13 Investment Services We were founded with the goal of assisting our members in every aspect of their financial lives. That includes day-to-day banking as well as more long-term financial and investment needs. We can assist you in the following areas: Annuities, bonds and mutual funds Life insurance Retirement College and more Visit cpfederalinvestmentservices.com to learn more. Registered representative of and securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Investments are: Not FDIC/ NCUSIF insured - May lose value - Not financial institution guaranteed - Not a deposit - Not insured by any federal government agency. Cetera is under separate ownership from any other named entity Clinton Road, Jackson, MI (800)

14 Business Services Small businesses have to work harder for every dollar. And, that s why we are proud to offer products and services that work harder for you. Business Checking* Interest bearing Low monthly fee No minimum balance requirements No per check fees CheckMate Overdraft Privilege Business Loans Commercial real estate mortgages Purchasing and refinancing Lines of credit Equipment and vehicle loans Business Visa Merchant Card Services Credit and check card processing Check services (conversion, verification, guarantee and recovery) Gift cards *See Member Disclosure for full details. 14

15 Community Partners & Business Services (cont.) Community Partners Join the over 350 businesses and organizations that make up our field of membership Offer membership to your employees as an added benefit Have access to onsite trainings and educational sessions provided by us Advertise your business by providing discounts to members through our checking account programs Health Savings Accounts Complements your employees High Deductible Health Care Plan Competitive rates Check and debit card access Contributions can be made by you or your employee No monthly maintenance fees 15

16 Credit Unions Around the World Since 1953, we have demonstrated our ability to improve the lives of individuals, families, communities and countries around the world. Throughout our history we have had many loyal and dedicated volunteers and staff to serve our membership, making us one of the strongest and financially healthy credit unions in Michigan. We appreciate your membership as we strive to remain focused on our people helping people philosophy. 16

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