President's Message. Annual Meeting Notice. Chip Cards are Coming. Avoid Scams to Keep Your Information Safe. Cast Your Vote in our Upcoming Election

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1 JANUARY 2016 MEMBER NEWSLETTER President's Message Annual Meeting Notice Chip Cards are Coming Avoid Scams to Keep Your Information Safe Cast Your Vote in our Upcoming Election Win a $1,000 Scholarship Transfer and Save! Make Your Money Make the Difference Financial Planning for 2016 Save with TurboTax Community Spotlight

2 JANUARY 2016 President s Message Can you believe another year has come and gone? Your Credit Union has been busy this past year growing and improving our product offerings and of course celebrating 70 years of service to our members and community. Without you, our member owners, Day Air Credit Union would not exist. I want to thank you for being an active member in your cooperatively owned institution. I enjoy recounting stories from various members we have helped in the past year. Some members received their very first home loan, others were given a small business loan to make their dreams come true. Many members obtained a car loan, allowing them to get to work and back. We ve helped keep members away from predatory payday lenders by granting small dollar StretchPay loans. We opened checking accounts for people turned away by banks. Many members received financial counseling and advice on how to increase credit scores. Others receive more sophisticated financial advice concerning wealth management and asset allocation. Celebrating our 70th anniversary this past year led me to take a step back and see how far your Credit Union has come: from a small cigar box to a full service cooperative with five area locations. We have strived to provide you with exceptional service and want to go above and beyond expectations. As a growing organization, we encourage your continued feedback. Please let us know how we are doing or what products we can develop to meet your financial needs. Looking forward, there are many great things on the horizon. We are rolling out chip cards to our cardholders which will provide a higher level of security. A remodel of the Wilmington Pike office is in the works and may begin this year. We will be rolling out many new products and services such as new checking account options, electronic signatures, upgraded BillPayer and much more. All activities on the part of your Credit Union are purpose driven. The mission of Day Air is to enhance member s financial well being. Your Credit Union tries its very best to do just that, day in and day out. All of you who are members of your Credit Union come together to represent the good within each of us; to help and serve each other and our community. To all of you, I wish a healthy and prosperous new year! Thank you for your continued membership!

3 Annual Meeting Notice Save the date for our annual member owner meeting in April. As a member owned, not for profit financial cooperative, we invite you to join us for the 2016 Annual Meeting. Each April we hold a board meeting that is open to all members. The Annual Meeting is a great opportunity to pick up your copy of the Annual Report and learn more about the Day Air Credit Union Volunteer Board of Directors. Join us April 27, 2016 at the Kettering Branch.

4 Chip Cards are Coming Soon This month we will begin transitioning our Visa Debit Cards and Credit Cards to EMV chip technology, as part of a global effort to use more advanced technology to better protect your accounts from fraud. EMV stands for Europay, MasterCard, and Visa: three of the largest payment entities that collaborated and established a new standard for smart payment cards to address the ever growing amount of fraud resulting from flaws associated with the static design and nature of magnetic stripe cards. What is an EMV Card? An EMV or Chip Card has the same look and feel of your current Visa Debit or Credit Cards with the exception of a tiny microchip embedded on the face of the card. The microchip is a small computer that enables the chip to perform real time authentication, cardholder verification and payment authorization. The microchip produces a unique one time authorization code valid for only a single transaction. Unlike magnetic strip cards the data transmitted from the terminal to the financial institution changes on every transaction, rending this data useless for fraudsters who steal this information to produce counterfeit cards. Learn even more about this transition & how to use your new card at dayair.org/chipcard.

5 Avoid Scams to Keep Your Information Safe There are several ways that individuals can deceive unsuspecting victims. Being able to recognize a potential scam could save you a lot of money and time. ConsumerReports.org has seven scams that everyone should be aware of. These scams can be extremely difficult to recognize because the person trying to steal your information will lead you to believe they are helping you. However, ConsumerReports.org also advises what to do if you come across one of these scams and how to keep your information secure. Learn more about impersonation scams and how to avoid them. You can also learn more about keeping your personal information safe throughcu*secure an online blog with great security tips.

6 Cast Your Vote in our Upcoming Election As a member owned financial cooperative, we are democratically controlled. Each year, member owners vote for those individuals who will serve as representatives of the membership on the Board of Directors. Electronic balloting will again be utilized for the 2016 election. When the ballot opens, you may vote directly within Online Banking. If you are not an online banking member, ask us how to enroll today. Paper ballots are available upon request, just contact us at , mail@dayair.org or visit any branch to request one. Thank you for being a member owner.

7 Win a $1,000 Scholarship Members who are either graduating high school seniors or continuing undergraduate college students who will be attending a two or four year college or university for the academic year are eligible for the scholarship. Learn more here. Scholarships are awarded based on: Academic achievement Extracurricular activities Community service involvement A financial literacy essay each applicant writes To be considered, we must have your completed application by February 17, Apply Today

8 <<Previous Article Table of Contents Next Article >> Transfer and SAVE! Are you carrying around a high balance store card from holiday shopping? Then it s time to transfer and save! With Day Air s Platinum Low Rate credit card, you ll be able to pay down that debt faster while saving money. Rates are as low as 6.25% APR* and you will enjoy no annual fee, no overlimit fee and a 25 day grace period. Unlike other card offers where the transfer rate changes to a higher rate in 3 months, 6 months, or even a year, our balance transfer rate is good for the life of the balance! Apply Today *APR = Annual Percentage Rate. Rates are subject to creditworthiness. The table above is for estimates only. APR will vary with the market based on the Prime Rate.

9 Make your Money Make a Difference Be a part of something bigger than banking. Because we are member owned and funded, when you open a checking account at Day Air Credit Union, your money stays local to help fund the hopes and dreams of other members in the form of home loans, college tuition, car loans and more. Sure our checking andsavings accounts offer great rates, but the greatest return you get is something you can t put a price on. That s the Day Air Difference. Open a Checking or Savings Account Log into Online Banking, click on New Accounts then More Share Info. Once there, just choose which account you d like to add! Don t have online banking? Use our Account Opening Form.

10 Financial Planning for 2016 Day Air is ready to ring in the New Year by helping you work to improve your financial condition! You can rest assured that Day Air is in a great position to continue to help all member owners. Whether it s retirement planning, stocks and bonds, IRAs, college planning, mutual funds or anything else, just call us at to schedule your complimentary, no obligation appointment with CFS* Investment Advisor Luke Neff today! There is no better time to start fresh than the New Year! Learn more about our Financial Planning Center today *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ( CFS ), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Day Air Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

11 Save with TurboTax Day Air Credit Union has teamed up with TurboTax to provide great member savings. This year, file your taxes the smarter way, and get your biggest possible refund guaranteed. TurboTax translates taxes into simple questions about your life and puts everything in the right forms for you. It searches over 350 deductions and credits, so you won t miss a thing. TurboTax also runs error checks and a final review to help make sure your taxes are done right. Plus you can save on TurboTax federal products. Day Air Routing Number: l The TurboTax credit union member discount is just one of many member discounts available with the Love My Credit Union Rewards program. Members have saved over $1.4 billion with exclusive offers from these great partners: Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data service. Plus, waived activation fee on new lines and upgrade feeds ($36 savings each) Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal Save up to $200 on new DIRECTV service with monthly bill credits and a $140 gift card Receive a $100 gift card and smoke communicator with a new ADTmonitored home security system Earn cash back when you shop at over 1,500 online retailers with Love to Shop The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.

12 Thank you for helping us Do Good! A HUGE thank you to our entire membership for helping Do Good in 2015 as part of our 70th anniversary! As part of our initiative, we were able to collect: Over 900 pounds of food and donated over $1,500 to the Dayton Foodbank. We could not have done this without your support. Thank you for actively participating in your credit union and joining forces to continue our cooperative mission.