Debra Scott-$100 Cash David Williamson-LibertyOne Board Member ($100 Donation to St. Jude Children’s Research Hospital)Anita McDowell-Google Home MiniCheryl Long-George Foreman Indoor/Outdoor GrillDenise Tappin-Wi-Fi Wireless Security CameraDerek Burley-Cooler Bag with MP3 SpeakerKishalan Ford-Zebco Spincast Fishing PoleJonathan Jackson-Coca-Cola Personal Mini RefrigeratorLisa Robertson-30 oz. Yeti TumblerSteven Kenley-Wa�e MakerHerta Smith-LibertyOne Board Member’s Spouse ($100 Donation to St. Rose De Lima Catholic Church)Saline Jones-$100 CashJayvon E Walker-Google Home MiniOlivia Carrillo-Ozark Trail 10-Person Family TentHoward Holmes-Waterproof Bluetooth Speaker

�is year’s Annual Meeting was held on April 21, 2018, at �e Southern Cross and it was bigger and better than ever! Over 500 members, family members, Board members, and sta� showed up to help us celebrate another successful year! Although the day began a little gloomy, we didn’t let the rain spoil our fun. Everyone was still able to enjoy a traditional barbecue bu�et, with brownies and bread pudding for dessert. A�er lunch we had a short meeting followed by the prize giveaways! Over 50 prizes were given away, but our lucky winner was Sir Serges Castano, as he got to take home a brand-new iPhone X! �ere were a lot of fun activities that both the adults and the kids enjoyed, from face painting, bingo, arts and cra�s to other entertaining activities! LibertyOne would like to take the time to thank everybody for attending this year’s meeting, making it a big success! �e following is a list of this year’s winners:

A D U LT P R I Z E S

K I D P R I Z E S

Summer 2018

A Quarterly Newsletter for LibertyOne Credit Union Members

Delia Woods-S’mores MakerLatasha Jones-Women’s Rose-Gold Michael Kors WatchBeverly Rollison-Red Keurig Co�ee MakerLavanda Sanders Crock-PotVenner Morah-Coca-Cola Refrigerator and FreezerPamela Carter -Roku Streaming StickRafael Marquez-Bluetooth Shower SpeakerJaleesa Hall Henry-$100 CashAlexandria Young-Google Home MiniRose Wilks-Men’s Black & Gold G-ShockFrederick Owens-Electric Griddle with WarmerHelen Adger-Bissell PowerForce Turbo Bagless Vacuum CleanerLevi Farris-Black & Decker Cordless Drill (44 Piece kit)Wanda Garrett-Telescopic Graphite Fishing Rod and ReelDonna Sooby-$200 CashOzella Campbell-50” TV Sir Serges Castano-IPhone X

Blaize Flood-Coca-Cola Popcorn MakerLuke Madden-Illuminated LED FootballLeah Sims-Toilet Trouble GameKameron Callahan-Coco-Cola Pop-Up Hot Dog ToasterSky Rider Drone-Jacob JacksonColton Danger Willis-Color-Changing Bluetooth Speaker Tarik Wright Jr-Zebco 202 Slingshot Fishing PoleJahdyn Young-Ozark Trail Kid TentLamarr Frazier Jr-Speak Out Kids vs Parent GameJasmyne Farris-Google Home Mini

Joseph Mccray Jr-Glow-in-the-Dark BasketballJames Barclay-Winged Box KiteMikayla Cooper-SkateboardAakiyah Surrell-22 Channel Walkie TalkiesReese Verheul-Floating Magic Sand (Paradise Island)Jace Walker-Pie Face Sky High Game Mason G Ward-Cheetah King Remote Control RC CarHarmony Sims-Gyro HelicopterEmily Jaramillo-32” TVJayden C McGaughey-Portable Basketball Goal

83rd Annual Membership Meeting Was A Success

[02/02/1951]

Employees

$

5 Tips for Getting the Best Deal on a New Car

So, you've found the perfect car. You’ve shopped around, and this car has your name

on it. Well, not quite yet. Not if you want the best deal anyway. Here are �ve simple

things that can help you a�ord the car of your dreams:

1. Contact LibertyOne and get preapproved for an auto loan.Because credit unions are not-for-pro�t, and owned by their members, you can get

better borrowing rates and terms. Plus, knowing exactly how much you can spend,

your interest rate, and what your monthly payment will be really gives you con�dence

when sitting across the desk from the salesperson.

2. Price check. You’re online anyway, so check out LibertyOne’s Member Auto Center to get the NADA

value! Member Auto Center also has preferred dealers, car buying advice and much

more; to access, visit www.libertyonecu.com. Also, shop around to �nd out how other

dealers are pricing your make and model.

3. Shop on a weekday, at the end of the month, and even better, at the end of the year.Yes, if you can slip out of work on a weekday when there aren’t a lot of potential buyers

out there, the dealership will be eager to make a deal. At the end of the month, dealer-

ships will be trying to hit their monthly sales goals, and you can take advantage of that

situation. And, if you can hold o� ‘til the end of the year, most dealerships are trying to

unload inventory, that’s a great time to buy!

4. Stick to the price of the car.Don’t get pulled in another direction with options for add-ons, trade-in value or a

lower monthly payment. You can negotiate those things after you’ve con�rmed the

price of the car—that’s the number you should be negotiating. Everything else is a

distraction. Your trade-in and the purchase of the car are two separate transactions so

don’t tell them you have a trade-in until you are comfortable with the price they’re

o�ering you on the new car. And, never tell them what you want your monthly

payment to be!!

5. And if the price is still too high, don’t be afraid to walk away.Even if you believe this car is perfect, be prepared to let it go, and don’t look back. If

you’ve followed these tips, you’ll know if it just wasn’t meant to be anyway. And when

it is meant to be, LibertyOne will still be there to give you a loan you know you’ll be

able to a�ord.

Vacation Loans Are Here!

Need a summer getaway? Come

in and apply for a Vacation Loan

today. We have a variety of terms

that will �t your needs! Vacation

loans are available year-round!

Call today at 214-413-5588 or

apply online at

www.libertyonecu.com.

DISCOUNT CLUB - WE’VE GOT YOU COVERED!

The unexpected can happen to anybody at any time, but will your

family be �nancially prepared? Leave your loved ones protected

by having a Discount Club Checking Account. You receive $10,000

of Accidental Death & Dismemberment Insurance. Additionally,

you also receive $20,000 in Common Carrier Insurance in the

event an accident occurs while being a commercial passenger.

Talk to a credit union employee about opening a Discount Club

account today for only $3 a month!

Line of CreditBorrow funds at a low �xed rate with us

today! You have the option to advance the

funds at any time, and best of all, as you’re

making the payments the funds become

available for you to advance again!

Fun All Summer Long!Can’t �gure out what to do this summer? LibertyOne has you

covered on all the summer fun you can imagine. We have Hawaiian

Falls Water Park, Six Flags, Hurricane Harbor, Schlitterbahn, Big

Rivers, and Dallas Zoo tickets available on our website. We also have

Fort Worth Zoo, and AMC movie tickets available at any of our three

branches.

Boost Your Savings with a CD

It’s time to review your saving habits and

move your money into accounts that can

help you build your savings. With our

Certi�cates of Deposit (CDs), you can do just

that. For as little as $1,000, you can choose

from terms of six months to �ve years. For

help starting a CD, contact LibertyOne at

214-413-5588.

FREE CASH!!

$100 CASH REWARD WITH EACH NEW LINE* Another BENefit of membership!

Visit LoveMyCreditUnion.org/Sprint to calculate your cash rewards. *Restrictions apply.

141224_Sprint_BEN_Newspaper_8.5x2.5_F1.indd 1 5/23/18 10:36 AM

[12/08/1983]

Notice Of Availability Of DocumentsUpon request, a member is entitled to review or receive a copy of the most recent version of the following credit union documents:1. Balance Sheet and Income Statement2. A summary of the most recent annual audit3. Written board policy regarding access to incorporation, bylaws, rules, guidelines and board policies4. Internal Revenue Service Form 990To request this information please call 214-413-5588 ext 135 or write us at the following address:

Arlington, TX 76006

Each quarter, you will have a chance to win $50.00 just by reading your newsletter!

Read each issue of Here’s the Scoop and if you �nd your birthday listed in brackets, for example [1/12/63], then just let us know prior to the next issue being published, and we’ll give you $50.00 cash!!

�at’s all there is to it!!

Credit Union ClosingsIndependence Day, Wednesday, July 4

Labor Day, Monday, September 3

$

5 Tips for Getting the Best Deal on a New Car

So, you've found the perfect car. You’ve shopped around, and this car has your name

on it. Well, not quite yet. Not if you want the best deal anyway. Here are �ve simple

things that can help you a�ord the car of your dreams:

1. Contact LibertyOne and get preapproved for an auto loan.Because credit unions are not-for-pro�t, and owned by their members, you can get

better borrowing rates and terms. Plus, knowing exactly how much you can spend,

your interest rate, and what your monthly payment will be really gives you con�dence

when sitting across the desk from the salesperson.

2. Price check. You’re online anyway, so check out LibertyOne’s Member Auto Center to get the NADA

value! Member Auto Center also has preferred dealers, car buying advice and much

more; to access, visit www.libertyonecu.com. Also, shop around to �nd out how other

dealers are pricing your make and model.

3. Shop on a weekday, at the end of the month, and even better, at the end of the year.Yes, if you can slip out of work on a weekday when there aren’t a lot of potential buyers

out there, the dealership will be eager to make a deal. At the end of the month, dealer-

ships will be trying to hit their monthly sales goals, and you can take advantage of that

situation. And, if you can hold o� ‘til the end of the year, most dealerships are trying to

unload inventory, that’s a great time to buy!

4. Stick to the price of the car.Don’t get pulled in another direction with options for add-ons, trade-in value or a

lower monthly payment. You can negotiate those things after you’ve con�rmed the

price of the car—that’s the number you should be negotiating. Everything else is a

distraction. Your trade-in and the purchase of the car are two separate transactions so

don’t tell them you have a trade-in until you are comfortable with the price they’re

o�ering you on the new car. And, never tell them what you want your monthly

payment to be!!

5. And if the price is still too high, don’t be afraid to walk away.Even if you believe this car is perfect, be prepared to let it go, and don’t look back. If

you’ve followed these tips, you’ll know if it just wasn’t meant to be anyway. And when

it is meant to be, LibertyOne will still be there to give you a loan you know you’ll be

able to a�ord.

Vacation Loans Are Here!

Need a summer getaway? Come

in and apply for a Vacation Loan

today. We have a variety of terms

that will �t your needs! Vacation

loans are available year-round!

Call today at 214-413-5588 or

apply online at

www.libertyonecu.com.

DISCOUNT CLUB - WE’VE GOT YOU COVERED!

The unexpected can happen to anybody at any time, but will your

family be �nancially prepared? Leave your loved ones protected

by having a Discount Club Checking Account. You receive $10,000

of Accidental Death & Dismemberment Insurance. Additionally,

you also receive $20,000 in Common Carrier Insurance in the

event an accident occurs while being a commercial passenger.

Talk to a credit union employee about opening a Discount Club

account today for only $3 a month!

Line of CreditBorrow funds at a low �xed rate with us

today! You have the option to advance the

funds at any time, and best of all, as you’re

making the payments the funds become

available for you to advance again!

Fun All Summer Long!Can’t �gure out what to do this summer? LibertyOne has you

covered on all the summer fun you can imagine. We have Hawaiian

Falls Water Park, Six Flags, Hurricane Harbor, Schlitterbahn, Big

Rivers, and Dallas Zoo tickets available on our website. We also have

Fort Worth Zoo, and AMC movie tickets available at any of our three

branches.

Boost Your Savings with a CD

It’s time to review your saving habits and

move your money into accounts that can

help you build your savings. With our

Certi�cates of Deposit (CDs), you can do just

that. For as little as $1,000, you can choose

from terms of six months to �ve years. For

help starting a CD, contact LibertyOne at

214-413-5588.

FREE CASH!!

$100 CASH REWARD WITH EACH NEW LINE* Another BENefit of membership!

Visit LoveMyCreditUnion.org/Sprint to calculate your cash rewards. *Restrictions apply.

141224_Sprint_BEN_Newspaper_8.5x2.5_F1.indd 1 5/23/18 10:36 AM

[12/08/1983]

Notice Of Availability Of DocumentsUpon request, a member is entitled to review or receive a copy of the most recent version of the following credit union documents:1. Balance Sheet and Income Statement2. A summary of the most recent annual audit3. Written board policy regarding access to incorporation, bylaws, rules, guidelines and board policies4. Internal Revenue Service Form 990To request this information please call 214-413-5588 ext 135 or write us at the following address:

Arlington, TX 76006

Each quarter, you will have a chance to win $50.00 just by reading your newsletter!

Read each issue of Here’s the Scoop and if you �nd your birthday listed in brackets, for example [1/12/63], then just let us know prior to the next issue being published, and we’ll give you $50.00 cash!!

�at’s all there is to it!!

Credit Union ClosingsIndependence Day, Wednesday, July 4

Labor Day, Monday, September 3

B O A R D O F D I R E C T O R SDavid Williamson, Chair Jacqueline Dixon, Vice ChairCharley Ramirez, Treasurer

Don Rawe, Director Calvin Smith, DirectorDedric Ayo, Advisory Director Martha Garcia, Advisory Director

Linda CarmonaAngelia CarterRolando DallasGloria EscobarBrad FergusonPorsche FinleyDonna FullenMike FunkTwasha HudsonCindy JohnsonRyan JonesJennifer Kahan

H O W T O R E A C H U SDALLAS SERVICE CENTER1100 Commerce #615Dallas TX 75242

FARMERS BRANCH SERVICE CENTER4050 Alpha Road #120Farmers Branch TX 75244

ARLINGTON SERVICE CENTER2221 E. Lamar Blvd. #110Arlington TX 76006

24-HOUR TELEPHONE TELLER214-413-5588, option 1800-672-1320, option 1

PHONE214-413-5588800-672-1320

FAX214-752-2499

HOME LOANS832-912-2151

MASTERCARD CUSTOMER SERVICE800-442-4757www.gotomycard.com

WEBSITEwww.libertyonecu.com

E-MAILlibertyone@libertyonecu.com

Here’s the Sc�p!

C R E D I T U N I O N S T A F F

Linda Kunze, Secretary Steve Hammonds, Director

Claudia LopezKarla LopezSimona MarmalichiMisti MartinCandice MillsTina MorganKim PurintunKelly ShuttMinerva SierraHolly StipeDon Waddell

Rates for July 2018

F I N A N C I A L F O O T N O T E Sas of May 31, 2018

Total Assets........................................................................................................................... $129,298,159Total Capital .......................................................................................................................... $13,761,441Total Deposits.....................................................................................................................$114,678,425Total Loans..............................................................................................................................$85,817,433 YTD Net Income........................................................................................................................ $281,750

BOARD OF DIRECTORS

CREDIT UNION STAFF

David Williamson, Chair Calvin Smith, Vice ChairWanda Russell, Treasurer

SecretaryLinda Kunze. DirectorCharles Ramirez, DirectorDon Rawe, DirectorJacqueline Dixon, Advisory DirectorSteve Hammonds, Advisory Director

Angelia CarterTara DickinsonBrad Ferguson Donna FullenMike FunkJulie GarrisHilary GengoCindy JohnsonBrooke JonesYvonne McCloud

Mary LarsonClaudia LopezSimona MarmalichiChandra McPhearsonKiley PriddyKim PurintunMinerva SierraMinnie TitsworthFrederick TysonKristina Williams

H O W T O R E A C H U SDALLAS SERVICE CENTER1100 Commerce Ste. 615Dallas TX 75242

FARMERS BRANCH SERVICE CENTER4050 Alpha Road Ste.120Farmers Branch TX 75244

ARLINGTON SERVICE CENTER2221 E. Lamar Blvd. Ste.110Arlington, TX 76006

24-HOUR TELEPHONE TELLER 214-413-5588, option 1800-672-1320, option 1

PHONE214-413-5588800-672-1320

FAX: 214-413-5593

HOME LOANS: 800-366-6041

MASTERCARD CUSTOMER SERVICE800-299-9842www.eZCardinfo.com

WEB SITE: www.libertyonecu.com

E-MAIL: libertyone@libertyonecu.com

B A S E L O A N R A T E S

24 Months 36 Months 48 Months 60 Months 72 Months 84 Months

2.49% 2.59% 2.69% 2.79% 2.89% 2.99%

120 Months

4.00%

12 Months 24 Months 36 Months 48 Months

8.99% 9.99% 10.49% 10.99%

Platinum 7.90% Introductory 2.90% - 1st six monthsShare Secured 6.90%

10.99%

60 Months 84 Months 120 Months 180 Months

4.00% 4.00% 5.00% 5.00%

4.50% *Rate as of 6/18/18

RATE APY

$100 to $4,999.99 0.10% 0.10%$5,000 to $24,999.99 0.35% 0.35%$25,000 and over 0.70% 0.70%

All balances

All balances

All balances

0.55% 0.55%

0.10% 0.10%

0.10% 0.10%

(Rates as of 6/30/18)

Bonus of Additional 1% available

6 Month Regular 1.25% 1.25%6 Month Jumbo 1.35% 1.35%1 Year Regular 1.35% 1.35%1 Year Jumbo 1.45% 1.46%2 Year Regular 1.50% 1.51%2 Year Jumbo 1.60% 1.61%

3 Year Regular 1.60% 1.61%3 Year Jumbo 1.70% 1.71%4 Year Regular 1.75% 1.76%4 Year Jumbo 1.85% 1.86%5 Year Regular 1.90% 1.91%5 Year Jumbo 2.00% 2.01%

Please call the credit union at 214-413-5588 for current rates, terms and fees.

D E P O S I T R A T E S

NEW/USED AUTOMOBILES (Includes motorcycles, boats and RVs)

NEW/USED BOATS

SHARE AND CD SECURED 2% over the underlying collateral

SIGNATURE LOANS

CREDIT CARD LOANS

LINE OF CREDIT

HOME EQUITY LOANS

HOME LOANS

Rates as of 6/30/18

SHARE SAVINGS

IRA SAVINGS

CHRISTMAS CLUB

PRIME CHECKING

CERTIFICATES OF DEPOSIT – IRA OR REGULAR

120 Months 180 Months

4.00% 5.00%

NEW/USED RVs

RATE APY RATE APY

Discounts available for up to 1% o�Excludes MasterCard, Line of Credit and Home Loans