TELLERThird Quarter 2015

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1 the TELLERThird Quarter 2015 INSIDE 2 Tips to Protect Your Personal Account Information 3 Drive Happy off the Lot 4 Mobile Check Deposit is on the Way Student Loans Can Help Fill the Gap 5 Picture Your Possibilities HOLIDAYS All CEFCU offices will be closed on: Labor Day Monday, September 7 Use Your CEFCU MasterCard Credit Card Numerous Cardholder Benefits are Automatically Included Are you taking advantage of all the benefits available with your CEFCU MasterCard Credit Card? In a recent cardholder survey, CEFCU members were asked to identify what they liked and used most with their CEFCU MasterCard. If you were one of the hundreds of members who responded, thank you. We had a wide range of replies and comments covering almost every benefit available, including: Fuel Rewards Network TM savings Identity Theft Alerts Trip Cancellation Insurance MasterCard In Control TM transaction alerts Price Protection MasterRental Rental Car Coverage Extended Warranty Protection Rewards Points Travel benefits Emergency card replacement And more! Continued on page 2 Special Offer for New Accounts Switch to a CEFCU MasterCard Credit Card and you can receive: Bonus Points or a Free CEFCU MasterCard Gift Card Learn more about this special offer at cefcu.com/mycard and make the switch today. Offer available for a limited time to new accounts who complete 5 or more transactions and have $500 or more in total net purchase transactions post to the account (less any return balances). Gift cards available for new non-rewards accounts, and bonus points available for new Rewards or World MasterCard Credit Card accounts. Limit one offer per member; not valid for individuals with an existing credit card account. See cefcu.com/mycard for full offer details, or contact CEFCU.

2 Use Your CEFCU MasterCard Credit Card continued from page 1 Yet, a member from Peoria, Illinois who joined the Credit Union over 20 years ago may have stated it best: I love my CEFCU MasterCard everything about it just makes life easier! Which is one of the reasons we say the CEFCU MasterCard Credit Card is simply the nicest card you ll ever carry. If you don t have one, it s easy to get started. CEFCU even created an online tool [cefcu.com/choose] you can use to help you review how you expect to use your card. That way, you can select which CEFCU Credit Card is best for you: a Rewards, non-rewards, or World MasterCard. Simply go to cefcu.com/mycard to learn more and get started today. Members Say it Best: Love knowing Trip Cancellation Insurance was there didn t need to worry when we booked the expensive vacation we enjoyed. Brentwood, TN member since 1979 Love the discounts on fuel with Fuel Rewards! Tips to Protect Your Personal Account Information Don t respond to , text, or telephone calls asking for personal or financial information Promptly review your account activity and statements, and immediately report any suspicious or unauthorized transactions Frequently view your CEFCU account activity with CEFCU On-Line Use MasterCard In Control for your CEFCU MasterCard Credit Card, to receive real-time transaction alerts every time there is activity with your card. Get started at mastercardincontrol.com/us. Register for Identity Theft Alerts a free service from MasterCard that monitors your online identity and credit/debit card information, and notifies you if potential fraud is detected. Learn more and enroll at mastercard.us/idtheftalerts. Springfield, IL member since 2011 Rewards points are simple to earn and easy to redeem used them to book a family vacation to Florida. Washington, IL member since 2009 Love Price Protection helpful when shopping for the best deals! Peoria, IL member since 2005 Love Identity Theft Alerts I now use my card to shop online, since many online merchants don t really do much to protect my privacy and information. San Francisco, CA member since % US residents who reported using their credit card at a store, then having it stolen by hackers in % American consumers who have had personal payment information, or that of a household member, compromised * 317 Million New pieces of malware created in 2014, as cyber crooks continue attempts to steal online data ** Source: Gallup poll; CUNA.org *Source: 2015 Verizon PCI Compliance Report; cutimes.com 3/16/15 **Source: 2015 Symantec Internet Security Threat Report; Pymnts.com; CUNA.org 2

3 Drive Happy off the Lot Just Ask for the CEFCU Loan In the market for a new car? Let your Credit Union help you get the shiny new wheels and save some green just ask your dealer for the CEFCU Car Loan! You ll enjoy: Great low rates Quick approval No hidden fees It s easy to get started. Apply online at cefcu.com/car, call Phone-A-Loan at , or visit a Member Center. Better yet, when you find your car, just ask your dealer to line you up with a loan from CEFCU. Not a bank. Better. $194 Average member benefit in 2014 from choosing a CEFCU Used Car Loan* Love your car but not your loan? It s not too late to change. If you financed a vehicle purchase with another lender during the last year or so, it s not too late to change. Yes, you can move your loan to CEFCU and it is easier than you might think. In fact, last year, over 2,700 members enjoyed significant savings by refinancing and moving their loans or credit cards to CEFCU. If your car loan isn t with CEFCU, call or visit a Member Center and see if we can help you save money. *Source: 2014 year-end report; based on Informa Research Services, NCUA, and CUNA data. Did You Know Your CEFCU MasterCard Credit Card can now be used to cover overdrafts on your Checking account. When you sign up for CEFCU s Overdraft Transfer Plan, you can make arrangements to have an overdraft covered via automatic transfers from your CEFCU Savings, Insured Money Market Account (IMMA) and now your CEFCU MasterCard Credit Card. Stop in or call for more details or to request overdraft coverage. CEFCU s First-Time Home Buyer program has helped members save hundreds of dollars even thousands depending on the home s location. The program pays select third-party closing fees for qualifying members purchasing their first home. If you re shopping for your first home or know someone who is, go to cefcu.com/home to learn more, call , ext , or visit a Member Center. 3

4 Mobile Check Deposit is on the Way A new CEFCU Mobile Banking platform is coming soon. One of the many enhancements is mobile check deposits! Using the new Android or iphone apps, you ll be able to snap a specially formatted picture of checks (both the front and back), then have funds deposited directly and securely to your CEFCU Checking account just like if you stopped by an ATM or Member Center. Then, you ll simply save the original checks (in case additional verification is needed). Plus, the enhanced CEFCU Mobile Banking will: Include the ability to access selected services with either a PIN or touch-id for qualifying phones Allow you to create and manage personal account alert preferences. Keep watching cefcu.com and CEFCU s Facebook page for more updates. Also, be sure CEFCU has your address for the most current updates. To update your address, just call CEFCU s Contact Center at Student Loans Can Help Fill the Gap When scholarships, savings, and financial aid aren t enough to cover college costs, a Private Student Loan from CEFCU can help. Borrowers enjoy: Easy online application Competitive interest rates ½% interest rate reduction for automatic repayments No origination fees 10-day grace period for payments Up to 12 years to repay* Disbursement directly to the school, for added convenience Plus, funds can be used to help pay for things like tuition, room and board, laptops, books, and more. Go to cefcu.com/student to learn more and get started today. *Repayment is deferred until 6 months after graduation unless the student drops to less than half-time. NEW CEFCU Consolidation Student Loan If you have more than one student loan you are paying off especially private student loans, consolidating can make sense. CEFCU can help with our new Consolidation Student Loan. A Consolidation Student Loan can simplify your monthly payments, and in some cases, can mean a lower interest rate, too. However, by consolidating federal student loans, you may waive some benefits available only with federal loan programs, so be sure to consider what is best for you. Call , ext to learn more or check out cefcu.com/one. CEFCU Consolidation Student Loans offer a variable rate, which could adjust quarterly, based on the Federal Prime rate. Contact CEFCU for full details. 4

5 Picture Your Possibilities CEFCU Can Help! Imagine what you could make happen: An updated kitchen Remodeled basement Backyard pool A college education. Whatever you want or need, your house and a CEFCU Home Equity Loan or Credit Line can help. Plus, CEFCU will now pay all closing costs for Home Equity Loans and Credit Lines.* That means choosing CEFCU Home Equity is now an even better value for members! You ll enjoy low rates and personalized service without the surprises of hidden fees, high minimum initial withdrawals, early pay-off penalties, or other costs you might find with a loan or credit line from other lenders. Stop by a Member Center or call Phone-A-Loan at or to learn more and get started, or go to cefcu.com/equity. *CEFCU s closing cost assistance offer is available for a limited time for qualified CEFCU members in good standing who are opening a Home Equity Credit Line or Fixed-Rate Home Equity Loan using their owner-occupied home as collateral. To qualify, that home cannot be listed for sale; Bridge Loans and Lot Loans are not eligible for closing cost assistance. Closing cost assistance excludes Transfer Taxes or Mortgage/Intangible Taxes (applicable in certain states but not applicable to Illinois or California properties). Contact CEFCU for full details. Over $1 Million Saved on ATM fees in 2014 by CEFCU Members, thanks to CO-OP ATMs Free CO-OP ATMs Save You Money As a CEFCU Member, you can use your CEFCU Debit MasterCard at 30,000 surcharge-free CO-OP ATMs throughout the U.S. and Canada to get cash and access your CEFCU account(s).* Plus, there are over 5,000 CO-OP Shared Branch locations throughout the U.S., too, for in-person transactions. Chances are students away at college, members traveling, or you if you live outside of our Member Center areas, can find a CO-OP ATM or Shared Branch location nearby. Of course, CEFCU s free Money Center 24 ATMs are still conveniently located in our member-service areas, too. Go to cefcu.com/locations and use the easy tool to find ATM or shared branch locations near you. *For ATM transactions on non-co-op and non-money Center 24 ATMs, there is a $1 service fee. The ATM owner may also charge a fee. Refer to the CEFCU Fee Schedule regarding international ATM fees. 5 Look for This Logo!

6 Stay Connected! CONTACT CENTER TTY (for the hearing impaired) WEB/MOBILE...cefcu.com PHONE-A-LOAN TOUCH-TONE TELLER Check Rates and Transfer Funds 24/7 LOCATIONS...cefcu.com/locations (CEFCU Member Centers, CO-OP Shared Branches, and FREE CO-OP and Money Center 24 ATM Networks) PRESORTED STANDARD U.S. POSTAGE PAID PEORIA, IL PERMIT NO. 512 INVESTMENT SERVICES Toll-free , ext WEALTH MANAGEMENT Toll-free , ext CFS INSURANCE Toll-free Think Safety at ATMs Use these safety tips and your own common sense to help protect yourself and your CEFCU account when using an ATM. Memorize your Personal Identification Number (PIN). Do not write your PIN on your card or keep it in your wallet or purse. Do not reveal your PIN to anyone. Have your card ready in hand before you approach an ATM. Choose only well-lit ATMs, park close to the machine, and have another person accompany you when using an ATM or Fast Track Teller at night. Be aware of suspicious activity trust your instincts. If you feel uncomfortable, do not use the ATM. Immediately cancel your transaction and leave, if necessary. Shield the keyboard and display with your body or car so others cannot see your transaction. Pocket your money immediately and be sure to take your receipt. Verify your transaction privately as soon as you can, and destroy any ATM receipts after comparing them to your monthly statement. Keep your car doors locked and leave the engine running when using a drive-up ATM. Be sure all windows, except your own, are closed. Never open a locked door for anyone you don t know if using a machine in a facility that requires your card for access. Report any crimes immediately to the police, CEFCU, and the ATM owner. If your CEFCU Debit MasterCard or CEFCU Credit Card is lost or stolen, report it to CEFCU immediately at Don t agree to cash or deposit checks for someone else even someone you know. Federally Insured by NCUA MasterCard. MasterCard, Debit MasterCard, and the MasterCard brand marks are trademarks of MasterCard International Incorporated.

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