O c t o b e r Refinance your way into an auto loan that fits!

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1 O c t o b e r Right Car Wrong Loan? Refinance your way into an auto loan that fits! Whether it s getting to work or getting the kids to school it s important to have a vehicle that fits your lifestyle. But, what if the right car didn t come with the right car loan? Don t settle for a one size fits all loan. Our flexible terms and convenient online access make it easy to get into an auto loan that fits your life and your budget. Pick your due date, payment frequency even the payment amount. So why wait? Call one of our loan experts at , swing by any branch or visit us online at for rates as low as 1.49% APR*! You ll be glad you did. *1.49% Annual Percentage Rate is for A credit up to 24 months on loans of at least $10, Automatic payment is required Features Holiday Loan Skips Shred Day Change in Terms HSA MerchantPro Express Lifetime Investment Federally Insured by the NCUA

2 17876 Change in Terms (effective November 1, 2015) You agree that you will not use any of your Credit Union accounts, access devices or services for unlawful Internet gambling, activity in violation of the Federal Controlled Substances Act (including the manufacture, distribution, or dispensing of marijuana), or other illegal activities. We may terminate your account relationship if you engage in unlawful Internet gambling, account activity related to violation of the Federal Controlled Substances Act, or other illegal activities. Any member may obtain a copy of the amended disclosures by contacting us at Fee schedule (effective November 1, 2015) Certain small but substantive provisions of the Credit Union fee schedule have been amended. These fee changes will not affect most Credit Union members and most are avoidable. You may review and retrieve the new fee schedule at Products and Services on our website, or receive it by calling us at or Annual Privacy Disclosure Notice Our Privacy Disclosure is publically available on our website at: We will also promptly mail our Privacy Disclosure when we receive your request at Holiday Loan Skips: Tis the Season for Holiday Loan Skips! Skip your November or December Loan payment(s) we don t mind. But remember, we need ALL loan skips requests at least 10 DAYS PRIOR TO YOUR DUE DATE! Restrictions apply. Please note: there is a $15 fee for each loan skipped. Shred Day: Help protect yourself from identity theft! Join us for Free Document shredding from 10am 2pm on Saturday, October 17th at 1123 W. Harvard Ave. Rain or Shine. Need an HSA? If you re in a High Deductible Health Plan (HDHP) or even an employer paid Section 125 HDHP and need a Health Savings Account (HSA) to complement it? Cascade Community Credit Union has the answer for you! Check out our simple member-friendly HSA! No monthly fee, and 24/7 easy online access from your computer or mobile device. With our convenient debit card, eligible expenses are paid from the tax-deferred HSA contributions you (or your employer) have made. An HSA not only helps you get a handle on rising health care costs, but provides a taxadvantaged way to save. Talk to your tax professional about the advantages and conditions of an HSA. Then let your local-only financial institution meet your HSA needs. Come by and see us today at Cascade Community Credit Union. Federally insured by NCUA

3 Douglas County 4-H program Douglas County has one of the most supported 4-H & FFA programs in the state along with Oregon s finest Open Class; livestock is well represented at our fair. On Friday evening of fair week, the Roseburg Rotary Auction takes place. Cascade Community Credit Union s CEO, Bob Dempsey was there to support Douglas Pictured above: Bob Dempsey, CCCU CEO and County s youth by Jodi Sonka and her Grand Champion Hog purchasing both the Grand Champion Hog from Jodi Sonka and a Steer from Conner Grauf this year! In our commitment to this community and providing for today s youth; the Grand Champion Hog is now going to be providing piglets this coming year to future 4-H/FFA members. Keeping the tradition of giving back alive in Douglas County. Pictured Right: Conner Grauf with his Steer Cascade Community Credit Union (541) l

4 Cascade Community Credit Union ranks as one of the Healthiest Credit Unions in America Each year DepositAccounts.com evaluates the financial health of every federally insured credit union in the United States more than 6,600 total. Each institution is graded on a number of factors, including capitalization, deposit growth, and loan to reserve ratios, in order to determine a comprehensive health score. From the list of 6,655 credit unions, DepositAccounts.com recognizes those who have shown exceptional fiduciary responsibility in its 2015 edition of the Top 200 Healthiest Credit Unions in America We are very happy to announce that Cascade Community Credit Union was ranked 3rd in the United States and the Safest Credit Union in Oregon! About DepositAccounts.com DepositAccounts.com is the largest and most comprehensive online publication in the U.S. dedicated to banking/savings (deposits) information for consumers. It covers all 14,000 federally insured banks and credit unions and utilizes its patented technology to track more than 275,000 consumer deposit rates, each updated nightly. The site features more than 10,000 editorial articles detailing depository strategies and highlighting current bank rates and offers. It is also home to one of the largest communities of depositors on the Web, hosting more than 90,000 comments, customer reviews, and forum threads. Cascade Community Credit Union (541) l

5 44790 Merchant Pro Express Do you want to accept credit cards? Cascade Community Credit Union can help; we have teamed up with MerchantPro Express (MPX) to provide merchant services for our business accounts. MPX is powered by First Data to provide state-of-the art processing services and advanced point of sale equipment to our business member community. MPX merchant solutions are easily customizable for businesses of different sizes and needs. As a one-stop-shop merchant services provider, MPX has everything you need to accept all major credit cards and process payment transactions directly into your Cascade Community Credit Union business account. The MPX program offers: Cost-effective pricing for all business types including non-profit organizations and seasonal businesses. Smart Card and Near Field Communication equipment that is compliant in all demographics. In-the-field representation and support that covers every aspect of your business operation, whether it be equipment or logistical. Online reporting in real-time that can be accessed from any PC or mobile device. The mission of Cascade Community Credit Union is to serve our community with excellence by serving our members well. We want your business member experience to be a rewarding one. As you know, Cascade Community Credit Union is a memberowned, local-only credit union, operating in Douglas County and serving our Douglas County neighbors. The benefit is a shared commonality and respect, as well as a unique neighbor-to-neighbor approach to service. We can answer questions about your Cascade Community Credit Union account and help you understand the services we offer. The friendly representatives at MPX can assist you with merchant services that may be right for you. Contact an MPX representative at or , or at merchantproexpress.com

6 48893 Lifetime Investment Founded in 1995, LIFETIME investment solutions provides professional investment management and financial planning services, through LPL Financial, to local individuals and businesses. We recognize each situation is unique, and strive to provide advice tailored to personal, financial, and market conditions. We also understand that trust is earned not given and focus on educating, managing, and helping our clients succeed regardless of market conditions. LIFETIME investment solutions is powered by the resources of LPL Financial, the nation s largest independent broker/dealer (based on total revenue as reported by Financial Planning magazine, June ). This relationship provides us with unbiased research and a comprehensive array of tools, resources, and technology. Because LPL Financial has no proprietary products to sell, we have the freedom to offer clients objective financial guidance and investment recommendations based on their personal hopes, dreams, and aspirations. We look forward to working with you. Easy Money Look inside our newsletter to see if your account number is 1 of the 10 chosen this month and if you find it jackpot! Call us and we ll give you $20. Holiday Closures We will be closed for business on the following holidays during the next quarter: Columbus Day Monday, October 12th Veteran s Day Wednesday, November 11th Thanksgiving Day Thursday, November 26th Christmas Day Friday, December 25th new year s Day Friday, January 1, 2016 But Remember! You can access your account through: Touch Tone Teller or WebTeller/MobileTeller Joel Jellesed Wealth Advisor Zack Fuchs Wealth Advisor Surcharge-free ATM access is available in 3 local locations: 1123 W Harvard Ave 1871 NE Stephens (ESD parking lot) 531 E Central Ave (Sutherlin) * NOT NCUA INSURED. NO CREDIT UNION GUARANTEE. MAY LOSE VALUE. Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Plus, you also have access to 30,000 Co-op ATMS nationwide, including most 7-Eleven stores. A complete directory of surchargefree ATMs can be found on our website by clicking on the ATM Locator icon on our home page. General Information: (541) Garden Valley Branch 1070 NW Garden Valley Blvd, Roseburg OR Harvard Branch 1123 West Harvard, Roseburg OR Sutherlin Branch 127 E Central Ave, Sutherlin OR 97479