Introducing Oregon State Credit Union Insurance Agency*

New year, new beginnings From your trusted credit union comes a range of financial services to help you in 2015: new insurance services, personal loans, guidance for building your financial house, and free, easy-to-use online money management tools at www.oregonstatecu.com. Introducing Oregon State Credit Union Insurance Agency* Protect your financial future Oregon State Credit Union Insurance Agency is your source when you need to insure what s dear to you. You trust Oregon State Credit Union to provide you financial services, now you can get insurance, affordable and with superior service, just right for life s unpredictable events. Get free no-obligation quotes on: Auto. Accidents can happen at any time. Auto insurance protects you, your passengers and your vehicle. Home. Your property a major investment needs to be covered in the event of damage, destruction or theft. Life. Protect your family and others who depend on you for financial support. Many other insurance options: business, renters, pet and more. Call 844-215-7868, or go to www.oregonstatecu.com/insurance for a free quote. * Business conducted with Oregon State Credit Union Insurance Agency is separate and distinct from any business conducted with Oregon State Credit Union. If you are purchasing insurance for yourself or as part of a credit union loan, you need to be aware of some important information. Insurance products are not deposits of Oregon State Credit Union and are not insured by the NCUA. They are not guaranteed by Oregon State Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Oregon State Credit Union may be purchased from an agent or an insurance company of the member s choice. Oregon State Credit Union Insurance Agency is an affiliate of Oregon State Credit Union. Get the loans you need: affordable rates, flexible terms We often save members money on monthly bills by financing or refinancing personal loans for all kinds of needs. We re happy to help you at any branch, when you call 800-732-0173, or at www.oregonstatecu.com. All-purpose loans Whether it s a vacation, wedding, landscaping, tax payments, new tires or appliances, an all-purpose loan offers an excellent rate, flexible terms, no application fee and loan amounts from $250 $75,000. Vehicle loans Finance or refinance your new or used auto, truck, RV or sport-craft with great rates and flexible terms. Refinancing can be a great way to lower your monthly payments or reduce your loan term. continued on page 2 www.oregonstatecu.com winter edition 2015

...continued from page 1 Get the loans you need: affordable rates, flexible terms Credit cards Our Visa cards offer no cash advance fee, no balance transfer fee, no minimum finance charge, no penalty interest rate, no-cost auto collision damage waiver on rental cars, plus more. Visa Value: Great low rates. Visa Rewards: Earn rewards points for everyday purchases. Home loans Convenient service, low closing costs and the flexibility to structure your rate and fees based on your situation. Choose from a variety of home loan options, including: Construction. One-closing constructionto-permanent loans for the construction of your owner-occupied home on approved properties within Oregon with lower payments during the construction period. Fixed-rate mortgage loans: Flexible terms to meet your needs. Principal and interest payments remain unchanged for the life of the loan. First-time homebuyer. Extra discounts and credits may be available. Home equity. Use this revolving credit line, secured by your home, for almost any reason. See page three for more information. Jumbo. For mortgages more than $417,000. Equal housing lender Build and maintain your financial house with Oregon State Credit Union Investment Services Available through CUSO Financial Services, L.P. Avoiding your important financial decisions procrastinating won t make financial problems disappear. In fact, it usually makes things worse. But with a lot going on work, family and household finding time to get your plan built can be difficult. We can help, starting with six financial blocks that are the foundation of your financial house. Take action today to get your house in order with financial house seminars (see page 6 of this newsletter) or go to www.oregonstatecu.com/investments for more information, including helpful checklists at the Investments tab. Learn about the foundation of a strong financial house: Wills and estate planning Protection Emergency fund Debt management Retirement Discretionary spending Ready to help Barb Koontz and Greg Elker at Oregon State Credit Union Investment Services are your financial advisors registered through CUSO Financial Services, LP, located at Oregon State Credit Union. They can help you make financial decisions. For more information, call 800-732-0173, ext. 4296 or 541-714-4296. * 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. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. 2 Try these powerful, easy-to-use tools FinanceWorks Log into your credit union s free Online Account Access at www.oregonstatecuonline.com and use FinanceWorks to see your complete financial picture. Create an overview using credit union and non-credit union accounts. View and categorize transactions. Review spending, income and saving trends. Set alerts and updates and, most importantly, mark progress toward goals. SavvyMoney Checkup Use SavvyMoney at www.oregonstatecu.com online for free and get an easy to understand evaluation of your financial health. Anonymous, easy to use, SavvyMoney steps you through a simple questionnaire, then organizes your information into income, debt and expenses. This is a great way to better understand your financial health and, if you choose, contact a credit union staff member.

Your dreams come true with home equity line of credit Get a home equity line of credit from your credit union and get more out of your home and life: Consolidate debt Pay for tuition or home remodel Pay for taxes or vacation Purchase a vehicle Cover medical costs Make many other purchases Benefits of a home equity line of credit include: Use funds when you re ready Interest may be tax deductible (consult your tax advisor) Apply today Save with affordable rates for flexibility and purchasing power. Visit any branch or www.oregonstatecu.com/homeloans Call 800-732-0173. Equal housing lender Fast approval Flexible, easy access to funds Awards go to credit union for community financial education Your credit union has been awarded two Alphonse Desjardins Financial Education Awards for its leadership addressing youth and adult financial literacy by the Northwest Credit Union Association. The youth award recognized our work with the Boys and Girls Club of Corvallis to teach financial basics and for its 2013-14 partnership with Junior Achievement to offer financial education to 89 local classrooms. Your credit union was also selected for its adult financial education provided to the inmate population in several state correctional institutions. Program participants attended an eight-week curriculum assisting their efforts to lead more stable lives. Both honors will be eligible for national consideration in March. From left: Steve Wilder, Chairman of the Northwest Credit Union Foundation Board; Laurie Roe, AVP Organizational Development, Oregon State Credit Union; Kim Vu, Executive Director of the Northwest Credit Union Foundation; and Susan Streifel, Vice Chair of CUNA s Board. Volunteer board: a credit union difference Credit unions are not-for-profit cooperatives that help members realize their financial goals and dreams. Volunteer members, elected by and from the membership, serve on the Board of Directors. Directors help set credit union policies, objectives and long-term goals, and share their business experiences, leadership skills and management capabilities in a team effort. Unpaid, and offering valuable time to help guide the credit union, your Board of Directors is one way you experience the credit union difference. Thanks for being a member-owner and choosing your credit union. 3

Stay connected to your accounts Online and Mobile Banking Solutions Available 24/7! Bill Pay makes it easy to pay your bills on time and without the hassle of checks and postage. Schedule one-time or recurring payments to any person or company in the U.S. who can accept a check! Sign up for FREE Bill Pay in online banking and get started today. Text Banking is a quick and secure way to check account balances, transfer funds, receive customized alerts and more, right to your phone. It works just like texting a friend but instead of sending LOL, you send simple text banking keywords including BAL, BAL CHK and TRANS $$$. Just log in to online banking from a computer to activate this feature and personalize your settings.* Not registered for Online Account Access? Make sure you have your member number and temporary password (or PIN) ready, and visit www.oregonstatecuonline.com. If you ve lost your PIN, please call 800-732-0173 or visit your nearest branch. * While Oregon State Credit Union does not charge for mobile or text banking, your wireless provider may apply minutes or text messaging rates, and/or require you to subscribe to a data plan. For more information, please consult your wireless provider. Save time, ditch clutter and protect yourself from identity theft with free Estatements at www.oregonstatecuonline.com. Secure: Estatements are stored securely in Online Banking, reducing the risk of someone stealing your information from the mailbox or trash. Convenient: No more paper clutter or shredding needed. Estatements are archived for up to two years and available for you to view, save and print whenever you need. Fast: Receive your Estatements days earlier than mailed statements. Plus, email alerts notify you when your statement is ready to view. It s easy to sign up! 1. Log in to Online Account Access. 2. Select Estatements from the top menu. 3. Complete the registration form. 4. Enjoy your Estatements! Simplify with Estatements Mobile check deposit All your accounts, one app! Deposit checks to your accounts from anywhere, anytime! Download the Sprig by CO-OP app to make deposits conveniently and securely right from your smartphone. Download the app by searching Sprig by CO-OP in itunes or Google Play and sign in using your Oregon State Credit Union account information. ALL BRANCHES 800-732-0173 Mailing address PO Box 306, Corvallis, OR 97339-0306 Phone Access Teller (PAT) 541-714-4040 or 800-541-1348 www.oregonstatecu.com ALBANY 1394 Clay Street SE 633 Hickory Street NW, Suite 120 CORVALLIS 1980 NW 9 th Street 148 NW 25 th Street DALLAS 210 Orchard Drive KEIZER 4990 River Road North (inside Safeway) LEBANON 3330 Cooperative Way MONMOUTH 464 South Pacific Highway NEWPORT 1923 North Coast Highway PHILOMATH 1446 Main Street SALEM (WEST) 510 Wallace Road WOODBURN 1550 North Pacific Highway (inside Safeway) The articles in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your attorney, accountant or financial tax advisor with regard to your individual situation. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from one or more of these sources: Thinkstock, istock, Fotolia. Entire publication Oregon State Credit Union 2015. All rights reserved. Federally insured by NCUA. 4

Hold the date: April 1, Annual Business Meeting Thanks to all our member-owners, local decision making and financial cooperation mean your loans and deposits work hard, giving you and your community trusted, secure financial services. Attend the Annual Business Meeting and learn about the past year s achievements from the Chairman of the Board and the President/CEO. Other business will include filling vacant positions on the Board of Directors and meeting winners of the Tomorrow s Leaders Today (TLT) scholarships. Annual Business Meeting on April 1, 2015 6 p.m. doors open 6 6:30 p.m. registration 6:30 7:15 p.m. meeting Majestic Theater, 115 SW 2 nd Street, downtown Corvallis Meet your volunteer nominees This is your opportunity to meet member candidates seeking to serve as your Board of Directors. Board members, elected by fellow members, are unpaid volunteers from the community who determine the strategic direction of the credit union. Board members donate their time, ability and experience to help your credit union prosper in the years ahead. Nadine Davison (incumbent) Nadine is an attorney with Smith, Davison & Brasier, PC in Corvallis, where she represents clients in the areas of estate planning and adoption, and advises nonprofit organizations. She has been a director and treasurer for two other nonprofit organizations in Corvallis: Beit Am Jewish Community and Community Outreach, Inc. She has served on the credit union Board, April 2009 to present. Paul Dickey (incumbent) A retired Procter and Gamble engineer and manager, Paul was a founder of the Academy for Life Long Learning and is Treasurer of the Corvallis-Benton County Public Library Foundation. He is an instructor and counselor for AARP TaxAide. His credit union volunteer service includes: the Board of Directors, April 2008 to present; Supervisory Committee, November 2002 to April 2008, and June through December 2008. Ron Stevens (incumbent) Ron is currently Director of Pension Services at Samaritan Health Services, where he has held various management positions since May of 1985. He was previously employed with a CPA firm from January 1979 until April 1985. His credit union volunteer service includes: Board of Directors, in a variety of roles including two terms as Chairman, June 1999 to present; several Board committees; Supervisory Committee 1995-1999; and service with O.S.U. FCU Financial Services, LLC, 1999 to 2013. Voting and nomination procedures The Nominating Committee has proposed one candidate for each vacancy on the Board of Directors. No nominations will be allowed from the floor at the Annual Business Meeting. No member shall have more than one vote. Election will be conducted by voice vote. Prior to the Annual Business Meeting, any member can petition to nominate another member to run for election to the Board by taking the following steps: 1. Obtain a petition packet. 2. Verify that the member you wish to nominate is willing to serve. Have the member sign a Certificate of Willingness to Serve, included with the petition packet. 3. Obtain a written Statement of Qualifications and a biographical statement from your nominee and submit them with the petition. 4. Collect member signatures on a nominating petition. In accordance with credit union bylaws, at least 500 signatures are required to nominate a candidate by petition. Please return the completed documentation to Vicki Stevens, Oregon State Credit Union Financial Center, PO Box 306, Corvallis, OR 97339 by February 6, 2015. 5

Don t miss the January 31 scholarship application deadline Applications are due January 31 for the annual TLT Scholarship for college-bound teens. Visit us on Facebook Like, share, follow, friend us on Facebook. Check out financial tips and tools. Stay informed. Learn about events, activities and promotions at facebook.com/oregonstatecu. See you at #oregonstatecu. Get details and applications at www.oregonstatecu.com/college/scholarship PO Box 306 Corvallis, OR 97339-0306 Seminars from Investment Services and CFS* Seminars can fill fast. Be sure to RSVP through the investments seminar tab at www.oregonstatecu.com/investments. PERS a Piece of the Retirement Puzzle (Tier 1 & 2) January 27 5:30 6:30 p.m. Financial Center Branch, Board Room 1980 Northwest 9 th Street, Corvallis February 24 5:30 7 p.m. Novak s 2306 SE Davidson Street, Albany February 24 5:30 7 p.m. Murphy s Grill 288 E. Ellendale, Dallas March 31 5:30 7 p.m. del Alma 136 SW Washington Avenue, Corvallis How to Build and Maintain Your Financial House January 20 6 7 p.m. February 18 5:30 6:30 p.m. Keizer Heritage Center Financial Center Branch, Board Room 980 Chemawa Road NW, Keizer 1980 Northwest 9 th Street, Corvallis Basic Investment Principles March 11 6 7 p.m. Keizer Heritage Center 980 Chemawa Road NW, Keizer * 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. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Remember to RSVP at www.oregonstatecu.com/investments