Deposit Accounts. Deposit Accounts

Deposit Accounts Deposit Accounts Heritage Valley s local banking team provides personal service that takes the stress out of day-to-day finances. We are committed to providing an effortless banking experience by maintaining a constant openness to our members changing financial needs and continued dedication to their financial well-being. Bank Happier. Not Harder. Effortless banking begins by making your everyday banking easier, more convenient, with more choices and even more rewarding. All of our accounts offer: FREE Instant Issue VISA Debit Cards FREE Direct Deposit and Payroll Deduction FREE Online Bill Payer FREE 24-hour account access ATM, online, mobile or telephone FREE estatements FREE Mobile Deposit heritagevalleyfcu.org 1

Deposit Accounts Deposit Accounts Checking Accounts Choose the checking account that best fits your needs and is the most rewarding to you. At HV, it pays to have choices! HVChoice Rewards Checking Your Rewards. Your Way. Choose your reward. Skip the fees. It s that easy! Interest Checking Higher rate of interest for balances up to $10,000 Lower rate of interest for balances over $10,000 *See a Member Specialist or website for current rates CashBack Checking 2% cash back on up to $400 in debit card purchases each month Tunes Checking Up to $10/month cash back on purchases made at itunes, Google Play and Amazon.com. To earn rewards: receive estatements and have a least 15 debit card purchases during the month. See Member Service or website for full disclosures. Classic Checking Not interested in all that rewards business? Just looking for a regular checking account? Then Classic Checking is for you: No minimum balance requirement * FREE Starter Checks at account opening FREE Online Bill Payer FREE Check Copies through online banking Overdraft Protection Courtesy Pay FREE Mobile Deposit * No monthly service fees if you have at least $200 in combined loan and deposit account balances. Heritage Gold Checking Reserved for our Members aged 50 or better is our Heritage Gold Checking. Gold Members get all the great features of Classic Checking, plus: FREE Boxes of checks (up to 2 per year) FREE Certified Checks FREE Official Checks FREE Copying Service up to 10 pages a month Interest rate bonus on certificates of $10,000+ Interest rate discount on loan rates with automatic transfer and on all Home Equity Loans or Home Equity Lines of Credit of $10,000 or more Safe Deposit Box discounts - $15 off first-year annual fee; 20% off the annual fee in all future years you are a Gold Member * Member must maintain a $500 average daily balance in a checking account, or a $1,000 average daily balance in a savings account, or pay a $3 monthly fee. Savings Accounts Heritage Valley benefits begin with the opening of your savings account. This account gives you all the benefits of Heritage Valley membership including: Interest earned on balances of $50 or more Overdraft Protection for your checking account And much, much more! Kids and Teen Accounts Savasaurus Kids Account We believe that it s never too early to start learning the value of money and the power of saving. So for our Members who are ages 12 and younger, we offer our Savasaurus Kids Account which helps make saving fun for kids from the very start while enjoying many benefits: Receive special Sammy Savasaurus prizes as you achieve different savings goals Report Card Rewards Bring your report card into one of our offices and we will deposit $1 into your Savasaurus account for every A or its equivalent, up to $5 for each current marking period Teen Account For our Members ages 13 to 17, our Teen Account is a great way to ease into the adult world of money. Our Teen Members enjoy: Report Card Rewards Bring your report card into one of our offices and we will deposit $1 into your Money Talks account for every A or its equivalent, up to $5 for each current marking period VISA Debit Cards are available with a qualified guardian on the account Mobile banking app with remote check deposit Text banking Online banking with person-to-person payments in FREE Bill Payer Student Loans Members age 16+ can take advantage of all the benefits of our HVChoice Rewards Checking Tunes Checking account 2 717-840-4981 heritagevalleyfcu.org 3 Deposit Accounts Deposit Accounts

Deposit Accounts Investment Accounts Whether you want your investment accounts to be short-term, long-term, or something in between, Heritage Valley has secure accounts with competitive interest rates for you! Money Market If you are interested in a savings account that pays higher interest, a Heritage Valley Money Market may be for you. FREE Starter Checks VISA Debit Card access available Higher interest rates are paid on higher balances Minimum balance to earn interest and avoid a monthly service fee is $2,500 Three withdrawal transactions permitted each month Certificates Earn higher interest rates if you can deposit your money for a fixed period of time: Balances as low as $500 Terms ranging from 90 days to 60 months Interest compounded monthly 10-day grace period after maturity Penalty for early withdrawal Deposit Accounts Individual Retirement Accounts (IRAs) An IRA is a special savings plan authorized by the Federal government to help you accumulate funds for your retirement. Accounts are available for Traditional, Roth, and Coverdell IRAs. Heritage Valley offers a variety of IRA account options, including: IRA Savings Account Heritage Valley s IRA Savings Account is an easy way to accumulate funds, up to the contribution limits, through payroll deductions. IRA Money Market Our IRA Money Market is great as a temporary place for accumulating IRA funds from direct transfers. You get the same benefits as our traditional Money Market, plus you have immediate access to move your IRA funds into an IRA Certificate or other IRA custodian account with no credit union imposed withdrawal penalties. IRA Certificate This account offers all of the benefits of our traditional Certificate with IRA retirement benefits. Best of all this Certificate has a low minimum balance requirement of only $250. Health Savings Accounts (HSAs) HSAs* are tax-advantaged accounts that you can use to pay medical expenses not covered by health insurance. These are individual accounts which allow Members to use pre-tax dollars to pay for future medical expenses. For your convenience, Heritage Valley offers an HSA account with these benefits: FREE Starter Checks and Debit Cards for the HSA owner and authorized user Earn interest No set-up or administrative fees No minimum balance requirements or per check charge FREE Online Bill Payer FREE Direct Deposit and Payroll Deduction YOU own and control the account forever * Anyone with a qualifying high-deductible health plan who has no other first-dollar coverage may establish an HSA. Examples of firstdollar coverage are: Medicare, Tricare Coverage, Flexible Spending or Health Reimbursement Arrangements. 4 717-840-4981 heritagevalleyfcu.org 5

Deposit Accounts Club Accounts At Heritage Valley, we know that it can be hard to save extra money for big ticket events like holidays, vacations, or just something special, so we offer our Members choices that best fit their needs. Holiday Accounts No minimum balance You can start any time, with any amount! Traditional enrollment begins on October 1st Club matures on September 30th of the following year Your funds are automatically deposited to your savings account at maturity Loans & Credit Services Vacation Accounts Earn competitive interest rates with: No minimum balance Not just for vacation. Use to save for WHATEVER! For current rates or more information, visit our website at heritagevalleyfcu.org or contact a Member Specialist at (717) 840-4981. Loans & Credit Services Heritage Valley has a full line of lending products to meet all of your borrowing needs. Whether it s a new car, a home of your own, a college degree or something else that s in your future - HV is here to help! Loan Solutions Heritage Valley s competitive loan rates and flexible repayment terms can meet all of your borrowing needs. All Heritage Valley loans offer: Easy payment options including: automatic transfer, payroll deduction, phone, mobile and online banking, or in person at any of our locations Flexible terms to fit your budget Low-cost payment protection against death, disability and unemployment. Apply online 24-hours-a-day or with a Loan Officer during regular office hours. 6 717-840-4981 heritagevalleyfcu.org 7

Loans & Credit Services Home Financing First Mortgage Loans Heritage Valley is proud to offer our Members a wide array of home financing options. We realize that a home mortgage is one of the most important financial decisions that a Member can make. We will walk you through the entire process and help you find the best mortgage to fit your situation. Loan Solutions Loans & Credit Services Heritage Valley s mortgage program offers: Conventional, FHA and VA loans Purchase & refinance transactions Flexible terms up to 30 years available Easy payment options via auto transfer, online, mail or over-the-counter Personalized and experienced professional service to help you save time and money! Vehicle Loans Mortgage Free Faster You could be mortgage free within the next 15 years with HV s Mortgage Free Faster Loan! Refinance your current mortgage without having to pay any closing costs, you can even take cash out! No closing costs No minimum loan amount Cash out option may be available Terms from 1 to 15 years Whether you need a car, truck, motorcycle, RV, or boat, Heritage Valley has a loan program for you. New or used, you may be eligible for up to 100% financing, plus taxes and tags. Quick approvals in most circumstances No down payment needed Less than Perfect credit options available Options available if you owe more than your car is worth Pre-approval available Affordable Guaranteed Asset Protection (GAP) coverage available Home Equity Loans This is a great option to leverage the equity in your home to pay off high-interest debt or make a large purchase while reducing your tax liability. Heritage Valley offers competitive fixed-rate home equity loans and variable-rate home equity lines of credit. Receive your money in just a matter of days Easy application process Terms up to 15 years Interest may be tax deductible Need help paying for college? Apply in person, online or over the phone today! Student Loans A Better Way to Pay for College: Heritage Valley s Student Choice Private Loan Solution With zero origination fees, low interest rates and flexible repayment options, it is easy to see why our private student loan solution is a better way to pay for college. Whether you are a student yourself or the parent of a student, Heritage Valley is here to help. Visit us online or call 877-342-3823 for more information and to apply. 8 717-840-4981 heritagevalleyfcu.org 9

Loans & Credit Services Loan Solutions Personal Loans Your good name, good credit record and signature are the foundation for a Personal Loan from Heritage Valley. Whether you are using the funds for auto repairs, school tuition, or planning a long-awaited vacation, a personal loan may be right for you. No collateral needed Flexible terms and low fixed rates A great solution for immediate cash HV s Platinum VISA Loans & Credit Services Debt Consolidation Loans Don t spend another day worrying about your debt. Take charge of it with a Heritage Valley Consolidation Loan. One low monthly payment Great rates with flexible terms Limit those endless payments and get out of debt NOW! Credit Building Solutions No matter what your situation, don t assume you can t get a loan from your credit union. We re here to help whether you re looking to build a solid credit foundation or repair damaged credit. We offer various solutions to help better your financial well-being. Secured VISA Credit Card Get on the path to good credit with a HV Secured VISA Credit Card. It works like any other card, is accepted worldwide and with responsible use over time, you may have the opportunity to be upgraded to an unsecured credit card. No fees Borrow against your HV savings with as little as $250 Maximum interest rate of 18% Credit Builder Loans If you need to rebuild your credit rating, Heritage Valley can help. Borrow money at our special Credit Builder rate and deposit it into a Heritage Valley savings account. The money is held in the account while you repay your loan from it or another source and helps to improve your credit score! Savings or Certificate Secured Loans Savings or Certificate Secured Loans can be used for any purpose. They allow you to preserve your deposit with the credit union while having funds available when you need them. Use a Secured Loan to buy a car, make a large ticket purchase, finance an education or any other purpose at one of the credit union s lowest rates and continue to earn dividends on your funds. Very attractive low rates lower than unsecured loans Borrow up to 100% of the balance in your deposit accounts Continue to earn interest on your deposits while using them as collateral Heritage Valley Platinum VISA Credit Card Tired of rising interest rates? Higher monthly payments? Terms and fine print that keep changing? Heritage Valley can help take the frustration out of your credit card with a low fixed rate, no-hassle card. The HV Platinum VISA Credit Card can be used at millions of merchants worldwide, is a great way to pay bills while earning rewards, make secure online purchases and cash advances at thousands of VISA ATMs or participating financial institutions. FREE Rewards Program - earn points for every dollar spent and redeem for name brand merchandise or travel rewards. Low fixed rate and no penalty rate No balance transfer fees No annual fee Cash advances at same low rate and no fees 0% liability on unauthorized transactions 25-day grace period for purchases Easy payment options online or at any of our convenient locations Low cost payment protection VISA accepted worldwide Special promotions Secured VISA Credit Cards available 10 717-840-4981 heritagevalleyfcu.org 11

Loans & Credit Services Other Loan Services for You Credit Check-up When it comes to your personal credit history, it pays to know your score; particularly if you owe money. Why? Through our FREE Credit Check-up, we ve helped hundreds of area borrowers drive up their credit score, consolidate debt and pay less each month. And we ve found success helping folks with past credit difficulties reduce interest rates, eliminate fees and get back on the road to financial success. With this free, no obligation service we will review your credit, and make sure you are financially sound and educated about your score. This exceptional service includes a view of your full credit report and score along with a personal review of your current and prospective credit. Skip-A-Payment We know there are times when you could use a little extra cash. That s why we offer the convenience and year round ability to skip a loan payment up to two times per year. For a small fee, Skip-A-Payment is a service that allows Members to skip one full payment on most loans. You choose the month that best fits your budget while interest continues to accrue during the month you skip. It s that effortless! 24 hour account access & other Member services 24-Hour Account Access & Other Member Services Payment Protection Options Payment Protection Plus At Heritage Valley FCU we realize that unforeseen events can occur in an instant, so we offer our members an optional debt cancellation program known as HV Payment Protection Plus. This unique program takes care of your loan payments should you become involuntarily unemployed, disabled or experience loss of life. Best of all, you only purchase enough protection to cover your loan balance which makes the program extremely affordable. While we love to see you in our offices, a key part of making banking effortless is making it convenient and flexible. That is why Heritage Valley offers so many ways for you to access your accounts and do your banking when it s best for you. Heritage Valley wants to be your full-service banking partner. We offer convenient and friendly services to make your banking as simple as possible including: Direct Deposits and Payroll Deduction Instant Issue VISA Debit Cards Online Solutions and Online Bill Payer Mobile access Telephone options Courtesy Pay And much more! Guaranteed Asset Protection (GAP) If the vehicle you are financing through Heritage Valley becomes lost, stolen, or totaled during your loan, GAP will pay the difference between what your insurance company covers and the loan balance. Plus, you can also get $1,000 toward the purchase of your replacement vehicle when you finance it through Heritage Valley. For current rates or more information, visit our website at heritagevalleyfcu.org or contact a Loan Officer at (717) 840-4981. 12 717-840-4981 heritagevalleyfcu.org 13

24-Hour Account Access & Other Member Services Online Solutions FREE Online Solutions Don t worry about banking hours or whether you are wearing your pajamas. If you have Internet access, you can securely: View and print up to 12 months of account history Transfer money between your Heritage Valley accounts Pay your HV loan or Credit Card See cleared check images less than 6 months old Download your account information into your financial software, including Quicken Apply for loans or apply Skip-A-Payment for your next loan payment Pay your bills with FREE Online Bill Payer FREE estatements View pending transactions Effortlessly jump from viewing separate memberships you re authorized to access And much more! FREE Online Bill Payer With rising postage costs, you can save money and time by scheduling your payments online at our Heritage Valley website. We will do the rest. The payments will be made on the day that you request and the dollar amounts will be automatically deducted from your checking account. Best of all, the service is FREE. 24-Hour Account Access & Other Member Services Direct Deposits & Payroll Deduction Save a trip. Have your government, pension, or payroll checks directly deposited into your Heritage Valley accounts for FREE. Using payroll deduction, we will gladly transfer any amount that you designate into your other Heritage Valley accounts or to make loan payments. And of course, this service is FREE, too! Instant Issue VISA Debit Cards You can receive a VISA Debit Card before you leave our lobby! (Available at our Pleasant Valley Rd. Office. Other locations will have just a one business day delay for delivery.) No more waiting for that new card to arrive in the mail. You can immediately access your funds with our instant issue card. Use your Heritage Valley VISA Debit Card anywhere you see the VISA logo displayed. The purchase amount will be automatically deducted from your checking account. Convenient ability to change/reset PIN over the phone FREE Mobile Access Banking with Heritage Valley has never been more convenient! We want to make it as easy as possible to access your finances even when you re on the go. Access your accounts using your Apple or Android devices, SMS text or internet enabled smartphone (WAP)! View your account balances, histories and pending transactions Transfer funds between your accounts and to other Members to whom you are authorized to transfer Find an ATM or branch View checks that have cleared FREE Mobile Deposit FREE Bill Payer And much more! 14 717-840-4981 heritagevalleyfcu.org 15

24-Hour Account Access & Other Member Services Phone Options Access your account information with a touch-tone telephone and your personal PIN number. Our FREE 24-Hour Phone Banking system allows you to: Obtain account balances Listen to specific transaction details Transfer funds between accounts And much more! Courtesy Pay Heritage Valley s Courtesy Pay is designed with your protection and convenience in mind. The vast majority of our Members do not overdraw their accounts; however, life doesn t always go according to plan and overdrafts do occur. In addition to covering your checks and ACH transactions, Heritage Valley may approve everyday debit card and ATM transactions to help you avoid those potentially embarrassing situations like standing at the ATM when you need some cash and being told you have insufficient funds or standing in line at the grocery store and your card comes back declined. To be protected by this additional Courtesy Pay Protection service, you must give your opt-in authorization. Contact Member Services to find out if you are eligible and to protect your account today! Other Member Services Banks benefit bankers. Credit unions benefit Members. As a Member, you get a vote in who represents you on the Board of Directors to help steer the future and build the strength of YOUR credit union. You also have access to: $1,000 FREE Accidental Death Insurance Wire Transfers Money Orders Official and Cashier s Checks Safe Deposit Boxes FREE Financial Seminars For more information about Heritage Valley and our Member benefits, visit our website at heritagevalleyfcu.org or contact a Member Specialist at (717) 840-4981. 16 717-840-4981