ATOMIC. newsletter. New Student-Run Credit Unions coming to Wellston and Oak Hill Schools! Fall 2016

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1 ATOMIC newsletter Fall 2016 New Student-Run Credit Unions coming to Wellston and Oak Hill Schools! Atomic Credit Union is very excited to announce the grand opening of a new student-run credit union! The Rockets Student-Run Credit Union will open in Wellston Intermediate and Wellston Middle School this school year, on Monday, September 19th and will take place during the l unch period. In addition to the new student-run branches in Wellston, Oak Hill Middle School will also be opening a student-run credit union this school year on Wednesday, September 28th and will take place during lunch! The Oak Hill Elementary School opened their branch during the 2014/2015 school year and we are very excited to now be a part of Oak Hill Middle School! The addition of these 3 branches will make a total of 20 student-run branches that cover the following areas: Jackson, Oak Hill, Wellston, Piketon, Beaver, Minford, South Webster and Chillicothe. For a complete list of our student-run credit union branches, or to fill out a membership application online, please visit our website at

2 Every time a register rings, a shopper gets their POINTS. Internal balance transfer rates as low as 9.5% APR. All other balance transfer rates as low as 11.5% APR. Rates, terms and conditions are subject to change and may vary based on creditworthiness. All loans subject to approval. Federally Insured by NCUA. Introducing the ScoreCard Bonus Point Program REWARDS FOR EVERYONE! Rewards for Thousands of items available Redeem EVERYONE! points 24/7 online at ScoreCardRewards.com Thousands Full of items account available access online - View Redeem points your 24/7 point online balance at ScoreCardRewards.com and rewards Full account access online - View your point options balance and Special rewards promotions options Special promotions Earn Bonus Points Even Faster with ScoreMore! Call or Click Today to Apply! Earn 2X, 3X, 4X and MORE bonus points! Shop online or in-store at participating retailers New retailers constantly added to the network Popular retailers like Macy s, JC Penney, Walmart.com and more! Internal balance transfer rates as low as 9.5% APR. All other balance transfer rates as low as 11.5% APR. Rates, terms and conditions are subject to change and may vary based on creditworthiness. All loans subject to approval.

3 Tips to Help Pay Down Student Loans "As college graduates gear up for the next stage in their life, they are filled with both excitement and anxiety. As soon as they receive their diploma, they are handed a bill for their immense college debt. A 2016 college graduate is projected to have $37,000 in student loan debt, according to Mark Kantrowitz publisher of Cappex.com. That creates an enormous amount of financial stress for an individual just starting an entry level position. Seventy percent of respondents to a 2016 Mid-Year Consumer Survey conducted by the Ohio Credit Union League either have unpaid student loans or have someone in their immediate family who does. One-fourth of those with student loan debt aren t making monthly payments at this time. Of those surveyed with student loan debt, 56 percent said they owe $20,000 or more. Eighteen percent said they owe between $10,000 and $20,000. Twenty-six percent said they owe somewhere between zero and $10,000. The country s combined student loan debt load is more than $1.35 trillion, according to Huffington Post. Student loan debt is increasing because government grants and support for postsecondary education have failed to keep pace with increases in college costs, Time reports. This has shifted much of the burden of paying for college from federal and state governments to students. Managing these high cost loans can be a burden, as well as prohibit you from making other large purchases like a house or car. So, here are some tips to help you pay down student loan debt: Use a cash windfall. If you suddenly come across extra money from an inheritance, settlement, or company bonus, use part if not all of it to pay down your student loan debt. Student loan forgiveness. Investigate job opportunities with companies offering student loan forgiveness. Certain jobs, such as public service work or teaching, may offer forgiveness for part or all of your student loans. Pay more. Make more than the minimum payment each month, even if it s only $10-$20. Anything extra will go directly towards the principal, which means less interest owed in the long run. Refinance. Consolidating and refinancing your loans can help pay off loans faster. Credit unions typically offer lower interest rates on loans. To learn more about credit unions in your community and what financial assistance they offer, visit and find a credit union in your area.

4 Annual Piggy Bank Treasure Hunt Another Success The second annual Piggy Bank Treasure Hunt began Monday, June 13th and came to a close on July 26th when the last of the 12 piggy banks was found. Below are photos of all our winners! We hope you had a great time and thank you for participating! The first piggy bank that was found belonged to the Minford branch and was returned on July 5th. The second piggy bank that was found belonged to the Oak Hill branch and was also returned on July 5th. The third piggy bank that was found belonged to the Jackson branch and was returned on July 6th. The fourth piggy bank that was found belonged to the Lucasville branch and was returned on July 11th. The fifth piggy bank that was found belonged to the Piketon branch and was also returned on July 11th. The sixth piggy bank that was found belonged to the Chillicothe branch and was returned on July 12th.

5 The seventh piggy bank that was found belonged to the Beaver branch and was returned on July 13th. The eighth piggy bank that was found belonged to the Wellston branch and was returned on July 14th. The ninth piggy bank that was found belonged to the Athens branch and was returned on July 15th. The tenth piggy bank that was found belonged to the Portsmouth branch and was returned on July 18th. The eleventh piggy bank that was found belonged to the Logan branch and was returned on July 18th. Last but not least was the Waverly pig! This pig was returned on July 26th and officially ended the 2nd Annual Piggy Bank Treasure Hunt!

6 The Atomic Credit Union Mobile App is now Available! Download it on your iphone, ipad or Android today! Make loan payments Pay another member Deposit a check using Remote Deposit Capture Pay bills via Picture Pay Bill Pay Transfer funds Manage your cards Check account balances Browse our locations View the Mobile Application FAQs on the home screen of the app for more details! Or BUY NOW Auctions! Visit our website to get amazing deals on cars, trucks, SUVs and more! Financing is available! Make your appointment today by calling ext or collections@2mycu.com

7 Members have saved over $1 billion with Love My Credit Union Rewards discounts! SPRINT Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data service. Valid in conjunction with other credit union and most Sprint national handset offers and promotions ADT, DIRECTV, Allied Receive startup equipment, a smoke communicator and a $100 Visa gift card with new ADT service Save up to $200 on new DIRECTV service Get 60% off or more on your out-of-state moves with Allied TurboTax Save up to $15 on TurboTax federal tax products CU Road Pal Get the safety and security of roadside assistance and more, for less than $1 per week* with CU Road Pal Love to Shop Earn cash back at over 1,500 online retailers Start saving today at LoveMyCreditUnion.org *Based on individual roadside assistance plan 2016 CU Solutions Group

8 Mobile Payments Are Drop-Dead Simple with Pay your bills easily through your smart phone! Safe, secure and faster than ever! Available on the Atomic Credit Union mobile app! Small Loan Program We understand that when emergencies happen, our members may need to borrow smaller amounts of money. Many consumers turn to payday lenders in fear they wouldn t qualify for traditional loans. Atomic is pleased to offer a Small Loan Program! Proceeds from the small dollar loans can help with unexpected expenses and purchases. Visit to apply today! Loan amounts from *$ $ Fixed term and payment amount Flexible terms to fit within your budget Reasonable interest rates No collateral required *Loan amount based on monthly income