N E W S F O R C E N T R A M E M B E R S J U L Y - S E P T E M B E R 2 0 1 3

Where We AreColumbus National Road 1430 National Road Columbus, IN 47201 (812) 376-9771 or (800) 232-3642

Union Street 601 Union Street Columbus, IN 47201 (812) 372-8811 or (800) 451-8185

26th Street 2020 26th Street Columbus, IN 47201 (812) 378-5962

St. Rd. 46 West 2165 Jonathan Moore Pk Columbus, IN 47201 (812) 376-7661

Walesboro 2010 W. 450 S. Columbus, IN 47201 (812) 342-4403

Edinburgh 11700 North U.S. 31 Edinburgh, IN 46124 (812) 376-9979

Mortgage Center 70 Carr Hill Road Columbus, IN 47201 (812) 314-0420

South-Central Indiana Greensburg Plaza 1803 N. Lincoln St. Greensburg, IN 47240 (812) 662-9392

Greensburg 734 W. Main St. Greensburg, IN 47240 (812) 663-5807

North Vernon 975 N. Veterans Dr. North Vernon, IN 47265 (812) 346-9596

Madison 303 Clifty Dr. Madison, IN 47250 (812) 273-8844

Seymour 520 S. Jackson Park Dr. Seymour, IN 47274 (812) 523-3230

Shelbyville 2450 E. State Rd. 44 Shelbyville, IN 46176 (317) 392-2100

Scottsburg 281 N. Gardner Scottsburg, IN 47170 (812) 752-3377

Scottsburg Walmart 1618 West McClain Scottsburg, IN 47170 (812) 752-7010

Southern Indiana Clarksville Clarksville Walmart 1351 Veterans Pkwy. Clarksville, IN 47129 (812) 284-4180

Jeffersonville 2125 Veterans Pkwy. Jeffersonville, IN 47130 (812) 288-2450

New Albany 710 Pillsbury Lane New Albany, IN 47150 (812) 944-1325

Sellersburg 7812 St. Rd. 60 Sellersburg, IN 47172 (812) 280-2820

Indianapolis Carmel 11711 N. Pennsylvania Suite 101 Carmel, IN 46032 (317) 843-5380 or (800) 421-4111

Shadeland 4562 N. Shadeland Ave. Indianapolis, IN 46226 (317) 541-1960

New York Jamestown 4720 Baker St. Lakewood, NY 14750 (716) 763-4405

North Carolina Whitakers 9377 N. U.S. 301 Whitakers, NC 27891 (252) 437-9214

Shared Branch and ATM Locations For a list of nationwide shared branches and ATM locations, visit www.centra.org.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

MH9920

Holiday ClosingsJuly 4, 2013 – All Locations ClosedSept. 2, 2013 – All Locations Closed

The Right Checking Account For YOU

Did You Know? Over 5,500 Centra members are using the new Mobile Banking App. It’s a secure and easy way to bring banking to your fingertips - anytime, anywhere, 24/7.

Credit Unions 101: Our Unique Non-Profit StructureWe’re set up to serve our communities - not shareholders.In some ways, credits unions are similar to banks. We offer financial services and products emphasizing quality, service and value, and our employees have extensive experience helping people chart a smart financial future.

But make no mistake: Credit unions are unique from all other financial service providers, including banks. We’re not-for-profit.

Our primary motivation isn’t money - it’s helping our member-owners improve their financial well-being. We don’t have investors. We don’t issue stock. We’re financial cooperatives that operate under principles ensure that all of our members’ interests are our top priority.

Because credit unions are not-for-profit member-owned financial cooperatives, we’re exempt from federal income tax. Every dollar earned beyond those we need to cover operational expenses – or socked away in reserves to cover ups and downs of the economy – is handed back to our members in the form of better rates, lower fees and a variety of other member benefits.

Talk About Savings! The Sprint Credit Union Member Discount Let us introduce you to valuable savings on monthly wireless bills – plus waived activation and upgrade fees. It’s all possible thanks to Centra, Invest in America and Sprint’s Credit Union Member Discount program.

Ways you can save:• 10% off* select personal Sprint plans • 15% off* select business Sprint plans • Waived activation fee on new activations • Waived upgrade fee • Available to new and existing Sprint customers

3 Ways to Get Your Discount:- Call 877.SAVE.4CU (877.728.3428) and tell them you’re a Credit Union member.

Ask to be a part of the NACUC_ZZM Corporate ID to save- Click LoveMyCreditUnion.org/Sprint- Visit your nearest Sprint store *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

Your Home Helps With Many Needs Whether you’re ready to make home improvements, consolidate debt or simply prepare for life’s surprises, Centra can help. With two Home Equity Line of Credit (HELOC) options and a fixed-rate Home Equity Loan choice, you can select the loan that best fits your needs. Centra’s two great variable-rate HELOC options feature:

1. No annual fee, competitive rate, minimum payments of 1% of outstanding balance2. Low introductory rate, interest only payments, annual fee

Our fixed-rate Home Equity Loan offers a fixed monthly payment over a fixed period of time, so you’ll know what your payment will be and for how long.

Either way, put the equity you’ve built in your home to work for you. Not sure which home loan is right for you? Just contact us, and we’ll be glad to help.

Introducing Three New Checking Accounts

Centra has continued to offer Free Checking when many of our competitors eliminated that option. We STILL offer Free Checking – but now we are also introducing three new checking accounts to give you more options to fit your lifestyle and needs: High Interest Checking, Rewards Checking and Student Checking.

Whether you like points to use for travel, merchandise and gift cards, you’re a student looking for the best value, you want to earn dividends on your checking account, or simple and free sounds perfect, Centra has a choice that’s just right for you – or for your family members or friends.

All of our checking accounts come with free Debit Cards, Online Banking, Mobile Banking, Email and Text Alerts, Online BillPayer, eStatements, Merchant-Funded Rewards and more. Stop by any Centra branch, call us, or open your new account online today!

If you want to earn dividends on checking, this is the option for you.

• Dividends paid on all balances.• Bonus dividends paid with

Direct Deposit, eStatements, and at least 15 debit purchases per month.

• .25% discount on many Centra loans

If you like rewards and perks, this is your account. Why not get rewarded for what you’re buying anyway?

• Reward points for travel, merchandise & gift cards

• Fraud Defender Identity Theft protection

• .25% discount on many Centra loans

• Online retail discounts

Student Checking will help you manage your money and give maximum access to your funds.

• No Centra fee on all ATM transactions

• Fraud Defender Identity Theft protection

• .25% discount on many Centra loans

• eStatements

High InterestChecking

RewardsChecking

StudentChecking

$0$0 Minimum Balance $0 Minimum Balance $0 Minimum Balance

$3 Monthly Fee $0 Monthly Fee$5 per month if over 25 years of age.

Monthly Feewith Direct Deposit, eStatements, and at least 15 debit purchases per month. $5 per month otherwise.

Your Centra Debit Card Just Got Better Three great new features have been added to all Centra debit cards:

Extended Warranty InsuranceDoubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty for a maximum of one year.

Price ProtectionIf you find a lower price within 60 days of purchase, Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.

Satisfaction GuaranteeProvides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.

Certain restrictions apply.

Found Money • Recently, one of our members wanted

to know if we could help her consolidate a few credit cards. She was paying out $716 monthly in credit card payments with no end in sight. We were able to get her a $10,000 loan, pay off eight credit cards and reduce her monthly debt by $469. She’s now paying a whopping 35% less each month!

• During one of our Loan Check-Ups, we were able to refinance our member’s auto loan and change his rate from 8.5% to 5.5%. He also opened a new Visa Platinum Credit Card, lowering his interest rate from 20.5% to 9.9%. He cut the interest he pays in half!

Call us to see how much we could save you!

The Value of Centra Membership How much is your Centra membership worth to you? We hope your answer to that question is “priceless!” But if you haven’t given much thought to the topic, please take a minute to see the dollars and cents answer to the question.

Value = better rates, lower fees, more convenience, better serviceOur goal is to bring value to you, our members. We do that through better savings and loan interest rates, lower fees, more free ATMs, better service, more convenience, and options that help you choose the right financial products to help you and your family achieve your financial objectives. We want to save you money, save you time, and treat you like a real person, not a number.

With financial value as a top priority, we have good news to report. An industry study conducted in 2012 by CUNA (Credit Union National Association) shows that credit unions save their members $5.8 billion annually over rates and fees charged by banks across the country. Using a similar survey methodology and Centra’s rates and fees, we have calculated the savings for active Centra members versus banks in our own market areas. The results are impressive.

$9.4 million savings over banks Over the course of one year, Centra saved active members a total of $11.6 million. That’s $5.1 million saved or gained in lower loan rates and higher deposit rates, and $6.5 million saved through lower fees. That equates to $187 extra per active household and keeps money in your pocket instead of being paid to a bank.

We are committed to saving you money. We achieve this by running an efficient company. So, you won’t see our ads running on Superbowl Sunday, but you will see our rates on top of the leader board year-round. We work hard every day to make sure we’re living up to our goal of providing outstanding value to our members and the communities we serve. Seeing these results is proof positive!

Please spread the word to your family and friends so they, too, can share in the savings and value of Centra membership. Don’t keep the good news to yourself!

Doug Harris President

Scholarship and Educator WinnersThe Centra Foundation is pleased to announce the recipients of its first scholarships and educator awards! As a new charitable organization, Centra Foundation has taken over administration of the Loretta M. Burd Scholarship and Awards Program previously handled by Centra Credit Union.

This year’s student winners of $1,000 scholarships are Chelsea Wieland, Columbus North High School, Columbus, IN and David M. Navarra, Greensburg Community High School, Greensburg, IN.

Receiving this year’s Financial Literacy Educator Awards are Jeff Farmer, grades K-5 Physical Education and Life Skills teacher at Wilson Elementary School in Jeffersonville, IN; and Michelle Russell, grades 7-12 Special Education teacher at North Decatur High School in Greensburg, IN. They each received $1,000 grants for use in their classrooms.

In addition, Centra Foundation presented a $1,000 grant to the Indiana University Foundation in support of the 2013 IUPUC Outstanding Student in Finance Award. This year’s award went to IUPUC student Randy Pangburn.

Centra Foundation hopes to expand the awards available through the Loretta M. Burd Scholarship and Awards Fund in the years to come through member and community donations. Centra Credit Union is offering a dollar-for-dollar match for contributions to this fund. Donations may be sent to Centra Foundation, PO Box 789, Columbus IN 47202 or brought to any Centra Credit Union branch. All contributions are tax deductible as allowed by law.

It’s in the News and It’s Scary, but You Can Rest Easy with Centra!

You may have heard about DDoS attacks in the news. These are Distributed Denial of Service attacks on websites that can jam a website with so much traffic that it takes the entire site down. Financial institutions have been the targets of some of these attacks. The attacks can emanate from many sources and are nearly impossible to prevent,

but there is one key point to remember: Your accounts are safe before, during and after a DDoS.

• A DDoS means that our outside Internet presence is under attack, not our internal computer system where account data is stored.

• We have many layers of protection to ensure the security of your accounts. This is of utmost concern and priority to us.

• Our Information Technology staff is well-versed in what to do if a DDoS attack were to occur.

• If a DDos attack were to involve Centra, it could most likely affect our website, CentraLink, Centra ATMs, and email. Point of Sale transactions should still be available. Our phones would likely still be operational, but might be overloaded with calls if our online presence were temporarily disabled. We will communicate with you as best we can if that were to happen.

• You can help prevent such an attack by keeping your own computers up-to-date with malware protection and through being cautious about opening links in your email or going to websites that might be potentially harmful sites.

Award winner Michelle Russell, Principal Gary Cook, Greensburg Branch Manager Maryann Redmon

Ways Centra Can Save You More

Loans for your home!

$100offclosing costs on a first mortgage

or home equity loan.

Plans for a new car?

.25%offon a vehicle loan closed at a

Centra location.

All loans are subject to credit approval. Offer expires September 15, 2013. This offer is good for new loans to Centra, cannot be

combined with any other offers, and is not valid with home equity lines of credit. One coupon per member. Please present coupon.

All loans are subject to credit approval. Offer expires September 15, 2013. The rate reduction is good for passenger vehicle loans

only that are closed at a Centra location and that are new loans to Centra. The coupon does not apply toward unsecured loans, mortgages or business loans. This offer is for loans over $7,500 to members who use automatic deduction of payment from a

Centra checking account. The lowest rate including the discount would be 2.49% APR (normally 2.74%APR). APR equals

Annual Percentage Rate. Offer is subject to change without notice. Please present coupon.

How much can YOU save at Centra? Balance Rate Savings (Millions) (Thousands)LOAN Auto ......................................................................$227 ...................... $997 Home ...................................................................$214 .........................— Home Equity ......................................................$58 .........................$75 Credit Card ..........................................................$24 ....................... $726

DEPOSITS Checking .............................................................$132 .........................— Saving ..................................................................$317 ...................... $190 Money Market ..................................................$203 ...................... $709 CD/IRA .................................................................$372 .....................$2,398

Total Annual Savings Interest Rate...........................................$5,095 Total Annual Fee Savings .............................................................$6,478

Grand Total Savings ..................................................................... $11,573

Benefit per Active Household = $187

2013 Trips for Centra from Conway ToursSeptember 16-23: CANYON COUNTRYBreathtaking sites include Las Vegas, Sedona, Grand Canyon National Park, Lake Powell, Bryce National Park, Zion National Park.September 28-October 6: NEW ENGLAND FALL FOLIAGE Newport, RI; Cape Cod; Kennebunkport, Maine; Vermont; New Hampshire; Lake Placid, NY and much more.October 21-28: MYSTERY TRIP – MOTORCOACH. Always a sellout!!

Additional exciting trips are planned for late 2013 and early 2014. Call 812-379-9811 or toll-free 877-866-5619 for details.CONWAY TOURS INC.2323 PENNSYLVANIA STREET COLUMBUS, IN 47201 www.conwaytoursindiana.com

New Ways to Make and Accept PaymentsPopmoneyHow can you send or receive funds quickly?

Send and receive money at the speed of life using mobile numbers and email. Popmoney makes the long wait for money transfers a thing of the past.

With Popmoney there’s:

• No need for stamps • No waiting for checks to clear • No trips to the bank to deposit money

Have questions about Popmoney or other online banking services? Contact Centra or visit your local Centra office today, or click on the Popmoney link under Personal Services at centra.org.

Take Credit Card Payments for your Own Business with SpotPayNow you can take secure payments for your small business on the spot – wherever you choose to be! With Centra’s new SpotPay service, your customers will enjoy the freedom and convenience of paying for products and services using their credit, debit or prepaid cards. SpotPay is fast, secure and gives you valuable opportunities to expand your business and your bottom line – whether you run a vendor booth at various locations, have multiple yard sales throughout the year, or have a set location for your business.

SpotPay instantly turns your Apple or Android mobile device into a point-of-sale system, and is less expensive than most payment processing alternatives. Find out more by clicking on the SpotPay link under Business Services at centra.org.

Web Payments CenterNeed to make your loan payment electronically by credit card or from your checking account at another financial institution?

You can use Web Payments Center to quickly and securely make your consumer loan payments using funds from another checking or savings account or using a credit card.

This is going to allow you to make payments to your personal loans (excluding Centra credit card or mortgage payments) using either a one-time ACH pull from another financial institution (pay from your checking at another bank), or with any credit card (Centra or other financial institution). The transaction will post to your account in 1 – 2 days. For more information, click on the Make a Loan Payment option in the YOU Can drop-down menu at centra.org.

One in 20 will be a victim of Identity Theft. Don’t let it be YOU.We are here to help with Fraud DefenderWe’ve partnered with one of the nation’s most trusted names in identity theft protection to bring you Fraud Defender – the most comprehensive fully managed identity theft recovery services solution available today. If you suspect identity theft for ANY reason, you will be assigned a professional identity theft recovery advocate who is assigned to you and will work on your behalf to recover your good name – no matter how long it takes.

What Does Fraud Defender Include?If your identity is compromised in any way, or you suspect identity theft, your Professional and Certified Recovery Advocate will:• Place fraud alerts at the three major

credit bureaus.• Review all three of your credit reports

to identify fraudulent activity.• Research and document all fraudulent

transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.

• Work with local and federal law enforcement to try to stop the criminal(s) using your identity.

• Provide follow-up for 12 months after identity restoration to make sure no other problems surface.

Fraud Defender Basic Protection is included with Rewards Checking and Student Checking.For more information or to purchase Fraud Defender coverage for you and your family, click on the Fraud Defender link under Personal Services or visit any Centra location.

ERROR RESOLUTION NOTICEIn case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly

as you can why you believe it is an error or why you need more information.(3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our inves-tigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

Centra Credit Union P. O. Box 789 1430 National Road Columbus, IN 47202

Business Days: Monday through Friday Excluding Federal Holidays

Phone: 800-232-3642 or (812) 376-9771MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

ASK ABOUT OUR

Your Centra Debit Card Just Got Better Three great new features have been added to all Centra debit cards:

Extended Warranty InsuranceDoubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty for a maximum of one year.

Price ProtectionIf you find a lower price within 60 days of purchase, Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.

Satisfaction GuaranteeProvides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.

Certain restrictions apply.

Found Money • Recently, one of our members wanted

to know if we could help her consolidate a few credit cards. She was paying out $716 monthly in credit card payments with no end in sight. We were able to get her a $10,000 loan, pay off eight credit cards and reduce her monthly debt by $469. She’s now paying a whopping 35% less each month!

• During one of our Loan Check-Ups, we were able to refinance our member’s auto loan and change his rate from 8.5% to 5.5%. He also opened a new Visa Platinum Credit Card, lowering his interest rate from 20.5% to 9.9%. He cut the interest he pays in half!

Call us to see how much we could save you!

The Value of Centra Membership How much is your Centra membership worth to you? We hope your answer to that question is “priceless!” But if you haven’t given much thought to the topic, please take a minute to see the dollars and cents answer to the question.

Value = better rates, lower fees, more convenience, better serviceOur goal is to bring value to you, our members. We do that through better savings and loan interest rates, lower fees, more free ATMs, better service, more convenience, and options that help you choose the right financial products to help you and your family achieve your financial objectives. We want to save you money, save you time, and treat you like a real person, not a number.

With financial value as a top priority, we have good news to report. An industry study conducted in 2012 by CUNA (Credit Union National Association) shows that credit unions save their members $5.8 billion annually over rates and fees charged by banks across the country. Using a similar survey methodology and Centra’s rates and fees, we have calculated the savings for active Centra members versus banks in our own market areas. The results are impressive.

$9.4 million savings over banks Over the course of one year, Centra saved active members a total of $11.6 million. That’s $5.1 million saved or gained in lower loan rates and higher deposit rates, and $6.5 million saved through lower fees. That equates to $187 extra per active household and keeps money in your pocket instead of being paid to a bank.

We are committed to saving you money. We achieve this by running an efficient company. So, you won’t see our ads running on Superbowl Sunday, but you will see our rates on top of the leader board year-round. We work hard every day to make sure we’re living up to our goal of providing outstanding value to our members and the communities we serve. Seeing these results is proof positive!

Please spread the word to your family and friends so they, too, can share in the savings and value of Centra membership. Don’t keep the good news to yourself!

Doug Harris President

Scholarship and Educator WinnersThe Centra Foundation is pleased to announce the recipients of its first scholarships and educator awards! As a new charitable organization, Centra Foundation has taken over administration of the Loretta M. Burd Scholarship and Awards Program previously handled by Centra Credit Union.

This year’s student winners of $1,000 scholarships are Chelsea Wieland, Columbus North High School, Columbus, IN and David M. Navarra, Greensburg Community High School, Greensburg, IN.

Receiving this year’s Financial Literacy Educator Awards are Jeff Farmer, grades K-5 Physical Education and Life Skills teacher at Wilson Elementary School in Jeffersonville, IN; and Michelle Russell, grades 7-12 Special Education teacher at North Decatur High School in Greensburg, IN. They each received $1,000 grants for use in their classrooms.

In addition, Centra Foundation presented a $1,000 grant to the Indiana University Foundation in support of the 2013 IUPUC Outstanding Student in Finance Award. This year’s award went to IUPUC student Randy Pangburn.

Centra Foundation hopes to expand the awards available through the Loretta M. Burd Scholarship and Awards Fund in the years to come through member and community donations. Centra Credit Union is offering a dollar-for-dollar match for contributions to this fund. Donations may be sent to Centra Foundation, PO Box 789, Columbus IN 47202 or brought to any Centra Credit Union branch. All contributions are tax deductible as allowed by law.

It’s in the News and It’s Scary, but You Can Rest Easy with Centra!

You may have heard about DDoS attacks in the news. These are Distributed Denial of Service attacks on websites that can jam a website with so much traffic that it takes the entire site down. Financial institutions have been the targets of some of these attacks. The attacks can emanate from many sources and are nearly impossible to prevent,

but there is one key point to remember: Your accounts are safe before, during and after a DDoS.

• A DDoS means that our outside Internet presence is under attack, not our internal computer system where account data is stored.

• We have many layers of protection to ensure the security of your accounts. This is of utmost concern and priority to us.

• Our Information Technology staff is well-versed in what to do if a DDoS attack were to occur.

• If a DDos attack were to involve Centra, it could most likely affect our website, CentraLink, Centra ATMs, and email. Point of Sale transactions should still be available. Our phones would likely still be operational, but might be overloaded with calls if our online presence were temporarily disabled. We will communicate with you as best we can if that were to happen.

• You can help prevent such an attack by keeping your own computers up-to-date with malware protection and through being cautious about opening links in your email or going to websites that might be potentially harmful sites.

Award winner Michelle Russell, Principal Gary Cook, Greensburg Branch Manager Maryann Redmon

Ways Centra Can Save You More

Loans for your home!

$100offclosing costs on a first mortgage

or home equity loan.

Plans for a new car?

.25%offon a vehicle loan closed at a

Centra location.

All loans are subject to credit approval. Offer expires September 15, 2013. This offer is good for new loans to Centra, cannot be

combined with any other offers, and is not valid with home equity lines of credit. One coupon per member. Please present coupon.

All loans are subject to credit approval. Offer expires September 15, 2013. The rate reduction is good for passenger vehicle loans

only that are closed at a Centra location and that are new loans to Centra. The coupon does not apply toward unsecured loans, mortgages or business loans. This offer is for loans over $7,500 to members who use automatic deduction of payment from a

Centra checking account. The lowest rate including the discount would be 2.49% APR (normally 2.74%APR). APR equals

Annual Percentage Rate. Offer is subject to change without notice. Please present coupon.

How much can YOU save at Centra? Balance Rate Savings (Millions) (Thousands)LOAN Auto ......................................................................$227 ...................... $997 Home ...................................................................$214 .........................— Home Equity ......................................................$58 .........................$75 Credit Card ..........................................................$24 ....................... $726

DEPOSITS Checking .............................................................$132 .........................— Saving ..................................................................$317 ...................... $190 Money Market ..................................................$203 ...................... $709 CD/IRA .................................................................$372 .....................$2,398

Total Annual Savings Interest Rate...........................................$5,095 Total Annual Fee Savings .............................................................$6,478

Grand Total Savings ..................................................................... $11,573

Benefit per Active Household = $187

2013 Trips for Centra from Conway ToursSeptember 16-23: CANYON COUNTRYBreathtaking sites include Las Vegas, Sedona, Grand Canyon National Park, Lake Powell, Bryce National Park, Zion National Park.September 28-October 6: NEW ENGLAND FALL FOLIAGE Newport, RI; Cape Cod; Kennebunkport, Maine; Vermont; New Hampshire; Lake Placid, NY and much more.October 21-28: MYSTERY TRIP – MOTORCOACH. Always a sellout!!

Additional exciting trips are planned for late 2013 and early 2014. Call 812-379-9811 or toll-free 877-866-5619 for details.CONWAY TOURS INC.2323 PENNSYLVANIA STREET COLUMBUS, IN 47201 www.conwaytoursindiana.com

N E W S F O R C E N T R A M E M B E R S J U L Y - S E P T E M B E R 2 0 1 3

Where We AreColumbus National Road 1430 National Road Columbus, IN 47201 (812) 376-9771 or (800) 232-3642

Union Street 601 Union Street Columbus, IN 47201 (812) 372-8811 or (800) 451-8185

26th Street 2020 26th Street Columbus, IN 47201 (812) 378-5962

St. Rd. 46 West 2165 Jonathan Moore Pk Columbus, IN 47201 (812) 376-7661

Walesboro 2010 W. 450 S. Columbus, IN 47201 (812) 342-4403

Edinburgh 11700 North U.S. 31 Edinburgh, IN 46124 (812) 376-9979

Mortgage Center 70 Carr Hill Road Columbus, IN 47201 (812) 314-0420

South-Central Indiana Greensburg Plaza 1803 N. Lincoln St. Greensburg, IN 47240 (812) 662-9392

Greensburg 734 W. Main St. Greensburg, IN 47240 (812) 663-5807

North Vernon 975 N. Veterans Dr. North Vernon, IN 47265 (812) 346-9596

Madison 303 Clifty Dr. Madison, IN 47250 (812) 273-8844

Seymour 520 S. Jackson Park Dr. Seymour, IN 47274 (812) 523-3230

Shelbyville 2450 E. State Rd. 44 Shelbyville, IN 46176 (317) 392-2100

Scottsburg 281 N. Gardner Scottsburg, IN 47170 (812) 752-3377

Scottsburg Walmart 1618 West McClain Scottsburg, IN 47170 (812) 752-7010

Southern Indiana Clarksville Clarksville Walmart 1351 Veterans Pkwy. Clarksville, IN 47129 (812) 284-4180

Jeffersonville 2125 Veterans Pkwy. Jeffersonville, IN 47130 (812) 288-2450

New Albany 710 Pillsbury Lane New Albany, IN 47150 (812) 944-1325

Sellersburg 7812 St. Rd. 60 Sellersburg, IN 47172 (812) 280-2820

Indianapolis Carmel 11711 N. Pennsylvania Suite 101 Carmel, IN 46032 (317) 843-5380 or (800) 421-4111

Shadeland 4562 N. Shadeland Ave. Indianapolis, IN 46226 (317) 541-1960

New York Jamestown 4720 Baker St. Lakewood, NY 14750 (716) 763-4405

North Carolina Whitakers 9377 N. U.S. 301 Whitakers, NC 27891 (252) 437-9214

Shared Branch and ATM Locations For a list of nationwide shared branches and ATM locations, visit www.centra.org.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

MH9920

Holiday ClosingsJuly 4, 2013 – All Locations ClosedSept. 2, 2013 – All Locations Closed

The Right Checking Account For YOU

Did You Know? Over 5,500 Centra members are using the new Mobile Banking App. It’s a secure and easy way to bring banking to your fingertips - anytime, anywhere, 24/7.

Credit Unions 101: Our Unique Non-Profit StructureWe’re set up to serve our communities - not shareholders.In some ways, credits unions are similar to banks. We offer financial services and products emphasizing quality, service and value, and our employees have extensive experience helping people chart a smart financial future.

But make no mistake: Credit unions are unique from all other financial service providers, including banks. We’re not-for-profit.

Our primary motivation isn’t money - it’s helping our member-owners improve their financial well-being. We don’t have investors. We don’t issue stock. We’re financial cooperatives that operate under principles ensure that all of our members’ interests are our top priority.

Because credit unions are not-for-profit member-owned financial cooperatives, we’re exempt from federal income tax. Every dollar earned beyond those we need to cover operational expenses – or socked away in reserves to cover ups and downs of the economy – is handed back to our members in the form of better rates, lower fees and a variety of other member benefits.

Talk About Savings! The Sprint Credit Union Member Discount Let us introduce you to valuable savings on monthly wireless bills – plus waived activation and upgrade fees. It’s all possible thanks to Centra, Invest in America and Sprint’s Credit Union Member Discount program.

Ways you can save:• 10% off* select personal Sprint plans • 15% off* select business Sprint plans • Waived activation fee on new activations • Waived upgrade fee • Available to new and existing Sprint customers

3 Ways to Get Your Discount:- Call 877.SAVE.4CU (877.728.3428) and tell them you’re a Credit Union member.

Ask to be a part of the NACUC_ZZM Corporate ID to save- Click LoveMyCreditUnion.org/Sprint- Visit your nearest Sprint store *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

Your Home Helps With Many Needs Whether you’re ready to make home improvements, consolidate debt or simply prepare for life’s surprises, Centra can help. With two Home Equity Line of Credit (HELOC) options and a fixed-rate Home Equity Loan choice, you can select the loan that best fits your needs. Centra’s two great variable-rate HELOC options feature:

1. No annual fee, competitive rate, minimum payments of 1% of outstanding balance2. Low introductory rate, interest only payments, annual fee

Our fixed-rate Home Equity Loan offers a fixed monthly payment over a fixed period of time, so you’ll know what your payment will be and for how long.

Either way, put the equity you’ve built in your home to work for you. Not sure which home loan is right for you? Just contact us, and we’ll be glad to help.

Introducing Three New Checking Accounts

Centra has continued to offer Free Checking when many of our competitors eliminated that option. We STILL offer Free Checking – but now we are also introducing three new checking accounts to give you more options to fit your lifestyle and needs: High Interest Checking, Rewards Checking and Student Checking.

Whether you like points to use for travel, merchandise and gift cards, you’re a student looking for the best value, you want to earn dividends on your checking account, or simple and free sounds perfect, Centra has a choice that’s just right for you – or for your family members or friends.

All of our checking accounts come with free Debit Cards, Online Banking, Mobile Banking, Email and Text Alerts, Online BillPayer, eStatements, Merchant-Funded Rewards and more. Stop by any Centra branch, call us, or open your new account online today!

If you want to earn dividends on checking, this is the option for you.

• Dividends paid on all balances.• Bonus dividends paid with

Direct Deposit, eStatements, and at least 15 debit purchases per month.

• .25% discount on many Centra loans

If you like rewards and perks, this is your account. Why not get rewarded for what you’re buying anyway?

• Reward points for travel, merchandise & gift cards

• Fraud Defender Identity Theft protection

• .25% discount on many Centra loans

• Online retail discounts

Student Checking will help you manage your money and give maximum access to your funds.

• No Centra fee on all ATM transactions

• Fraud Defender Identity Theft protection

• .25% discount on many Centra loans

• eStatements

High InterestChecking

RewardsChecking

StudentChecking

$0$0 Minimum Balance $0 Minimum Balance $0 Minimum Balance

$3 Monthly Fee $0 Monthly Fee$5 per month if over 25 years of age.

Monthly Feewith Direct Deposit, eStatements, and at least 15 debit purchases per month. $5 per month otherwise.