TFCU Offers One-Stop Shopping for All Your Personal Financial Needs

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1 Summary of Services TFCU Offers One-Stop Shopping for All Your Personal Financial Needs Membership Welcome to Tinker Federal Credit Union. We invite you to take a look and see what we re all about, because we re more than just another place to cash a paycheck. Our customers are members, and each one owns an equal share of the credit union. Take a close look at the accounts and services we offer at TFCU. With over 600 ways to qualify for membership, chances are you could be taking advantage of a full range of TFCU services. Simply establish your membership by opening a share (savings) account. Call (405) , ext OKC; (918) , ext Tulsa; (405) , ext Stillwater; (580) , ext Ada; (580) , ext Enid; or , ext. 2255, to see how you can join. Savings & Checking You won t find a more comprehensive array of checking and savings services anywhere else. Savings: requires a $5 minimum deposit; establishes your membership; earns monthly dividends based on your average daily balance. Click Checking: big dividends, big convenience; high-yield online checking account; only $25 or direct deposit to open; no monthly service charge or minimum balance; no transaction limits and no

2 per transaction charges; earn higher dividends by using TFCU s online services Home Branch, BillPay Online, direct deposit, e-statements and your MoneyPlus Visa check card. Heritage Club: for members age 55 and older; no minimum to open, monthly service charge or minimum balance. You receive monthly dividends on your average daily balance, free club checks (two boxes per year) and complimentary services, such as an annual health fair and investment and insurance evaluations by TFCU Financial Advisors. Classic Checking: no monthly service charge or minimum balance; no transaction limits and no per transaction charges; only $25 or direct deposit to open. Command Fund (Money Market Account): $2,000 minimum deposit and balance; no monthly fee; checks available; earns monthly dividends based on your actual daily balance. Premium Plus (Tiered Money Market Account): $10,000 minimum deposit and average monthly balance; tiered rate structure, with earnings that increase as your balance increases; lets you earn competitive rates without tying up your money. Share Certificates & IRAs: terms from three months to 48 months, different minimum balance options and different terms give you multiple rate options to choose from. The SaveAbles Kids Club Account: special children s savings account designed to encourage good saving habits; fun gifts with each deposit your child makes in person; $5 minimum deposit and balance; earns monthly dividends based on your child s average daily balance.

3 Christmas Club Account: special savings account designed to help you save money for the holidays and other special purchases; $5 minimum deposit; $20 minimum monthly deposit (recommended); earns monthly dividends based on your average daily balance; automatic disbursement available. Loans New and Used Vehicles: fixed rate financing on new or used vehicles; on-the-spot financing at authorized dealers; 100 percent financing to qualified buyers; refinancing available. Credit Cards: Visa Platinum, Gold MasterCard, Visa Classic or Standard MasterCard; CU Rewards program points. RV & Other Secured Loans: RVs, motorcycles, boats, household goods, etc. Fixed rate financing. Personal Loans: also known as unsecured loans, signature loans or lines of credit; ideal for unexpected emergencies, debt consolidation or as overdraft protection for your checking account; access lines of credit at branches, with Command Center (telephone account access) or with Home Branch (Internet account access). Mortgage Loans: conventional and VA residential mortgage loans, long- and short-term mortgage loans; lot/construction loans; variety of terms available. Home Equity Loans & Lines of Credit: loans and lines of credit for home improvement, debt consolidation, etc.; easy application; competitive payment terms; tax deductible in most cases (check with your tax adviser).

4 Online Services Home Branch: Your 24/7 online account access. With the ability to check balances, make loan payments, transfer money and take advantage of many other features, Home Branch makes managing your money even easier. Home Branch Mobile: Managing your accounts with TFCU has become even easier with the Home Branch Mobile smartphone app. You can check balances and transaction history, transfer funds, deposit checks and pay loans on the go. e-statements, e-notices & Check Images: Switch from paper to electronic statements now and view your cleared checks online. Log on to Home Branch to switch. BillPay: Paying your bills online is easier than ever. Available through Home Branch, TFCU s BillPay service lets you pay unlimited bills at any time of the day or night. Bill payments will be automatically deducted from your TFCU checking account. Budgeting: Keeping your balance in the world of finance can be challenging. That s why TFCU has partnered with BALANCE, a financial fitness program. Visit to find out how BALANCE or its online budgeting tool, MyBalance, can help you manage your finances. TFCU s Home Branch also provides options for monitoring finances, such as Money Tools which allows you to budget and better manage where your money goes. You can also download your account history to Excel, Microsoft Money and Quicken. Mobile-Friendly Website: The mobile version of TFCU s website

5 makes information like branch locations, contact information and special events available while you re on the go. Other Convenience Services BALANCE Financial Fitness Coin Counters Direct Deposit Financial Counseling Money Orders Night Deposit Notary Services Official Checks Overdraft Transfer Payroll Deduction ProtectMyID Safe Deposit Boxes Visa Gift Card Visa Reloadable Card Command Center account access by touch-tone telephone system Your Credit Union Our mission is to help our members achieve their goals and realize their dreams. To find out how you can qualify for membership, call: (405) , ext OKC (918) , ext Tulsa (405) , ext Stillwater (580) , ext Ada (580) , ext Enid , ext. 2255

6 And, remember, once you become a TFCU member, your family members are also automatically eligible to join and enjoy the same benefits of membership. Federally Insured by NCUA RV 5/2014