Journey there with a Members First Boat, Motorcycle, RV, or Auto loan.

850.434.2211

CURRENT LIVINGTHE LATEST CREDIT UNION NEWS AND PROMOTIONS FOR OUR MEMBERS

WWW.MEMBERSFIRSTFL.ORG

HOLIDAY HOURS/CLOSINGS

JULY 2018

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MFCU APP DOWNLOADS

All Offices will be closed on the following dates:

Wednesday, July 4................................................................................Independence Day Monday, September 3.........................................................................................Labor Day Monday, October 8......................................................................................Columbus Day

Summer MemoriesMade Possible With A Members First Lifestyle Loan

9.95% APR*Ratesas low as

*APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. Offer subject to change without notice. NCUA Insured. Equal Housing Lender.

APPLY AT MEMBERSFIRSTFL.ORG | 850.434.2211

BORROW UP TO $15,000 FOR UP TO 60 MONTHS

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates and terms are based on individual credit worthiness. NCUA Insured. Equal Housing Lender. NMLS# 405711.

WE HAVE THE RIGHT HOME LOAN FOR YOU!Are you dreaming of buying your first home? At Members First, every member is part of our family; and family should always have a place to call home. We offer a large variety of terms and rate options that will make buying your first home simple and affordable. So stop by, and let’s unlock the door to your new home. Why Choose Members First?• Affordable Rates & Flexible Terms • FREE Pre-qualification • No Origination Fee & No Points • No Prepayment Penalty First Time Home Buyer Program:• Down Payment as low as 3% • Seller Contribution Allowed • Additional Gift Money Allowed • No Private Mortgage Insurance (PMI)

GET PRE-QUALIFIED TODAY!MEMBERSFIRSTFL.ORG | 850.434.2211

Before you take your motorcycle or RV on the road or put your boat on the water, it may pay to be certain your insurance is ship-shape. Motorcycles, RVs, and boats are often significant investments, and the right insurance policy can help protect them. Here are a few tips, courtesy of Quorum Insurance. Evaluate your specific needs. Insuring a boat, motorcycle, or RV is different than insuring your car or home. A specialized motorcycle policy, for instance, can provide coverage for custom paint jobs and aftermarket equipment that might not be covered if the bike were just added to a generic auto policy. Similarly, a specialized boat policy could cover things like the cost to replace lost or damaged fishing gear and costly services, such as emergency on-water towing and fuel-spill cleanup. You

probably wouldn’t get this coverage by adding a boat to a homeowner’s policy. Traveling the open road in an RV can be a great adventure, but sometimes it gets a little bumpy. An RV policy would cover your recreational vehicle on and off the road. Consult with an independent agency - like Quorum Insurance. Unlike “captive” agents who represent only one company, independent insurance agents and brokers are licensed insurance professionals who represent several companies. They can offer you a variety of coverages, review and evaluate your policies, suggest new coverage options that meet your changing needs, and answer your questions. To learn more, contact Quorom Insurance at 800-714-1447 or visit www.quoruminsurance.com.

TIPS FOR PROTECTING BOATS, MOTORCYCLES, AND RVS

All loans are subject to credit approval. NCUA Insured. Equal Housing Lender.

Autos, Boats, RVs & Motorcycles

Journey There With A LoanFrom Members First

• Low Payments• Competitive Rates• New, Used, & Refinance

MEMBERSFIRSTFL.ORG850.434.2211

APPLY AT

Our Skip-a-Payment program gives you more time and money when you need it.

Subject to approval. Restrictions apply. For complete terms & conditions go to membersfirstfl.org/skipapay. NCUA Insured. Equal Housing Lender.

APPLY AT MEMBERSFIRSTFL.ORG/SKIPAPAY | 850.434.2211

SPECIAL OFFER FOR OUR MEMBERS!

VISIT WWW.MEMBERSFIRSTFL.ORG

RECEIVE A $20.00 GAS CARD JUST FOR VISITING PARTICIPATING AUTO DEALERS OR UPGRADE TO A $50 VISA GIFT CARD WHEN YOU FINANCE WITH MEMBERS

FIRST CREDIT UNION.

Find the right vehicle with the right loan from us!Find a vehicle in local dealer inventory through AutoSMART and apply for an auto loan with great rates and low payments with Members First! Visit www.membersfirstfl.org to start shopping.

Your Credit union CAN HELP YOU BE AutoSMART...

1-800-714-1447www.quoruminsurance.com

Request A QuoteAuto • Homeowner • Renters

Business • Other

Quorum is an affiliate of Members First Credit Union of FL

Claim your no-cost AD&D Insurance. Add more coverage starting between $1 - $1.50 a month.*

You’re entitled to $1000 of no-cost TruStage® Accidental Death and Dismemberment Insurance—an exclusive member benefit paid for by Members First Credit Union of Florida. All you have to do is claim it.

Acceptance is guaranteed—with no health questions or medical exam. Don’t miss out on this valuable, no-cost benefit of your credit union membership. Scan QR code for more information or to claim it now. Or call toll-free 1-800-798-8798.

*Cost is between $1 and $1.50 per month for every $10,000 of individual TruStage AD&D Insurance. TruStage® AD&D Insurance is offered by TruStage Insurance Agency, LLC, and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. AD&D Base Policy Series E10-ADD-2012 and E10a-014-2012. ADD-1607683.1

How to Protect yourself against online scams

©2016 Department of Homeland Security | Stop.Think.Connect. Campaign

Keep Ahead of the Game! Con artists are constantly coming up with new ways to scam you online. To protect you from cyber criminals, the AARP offers the Fraud Action Network. Receive email alerts about the latest frauds and scams, access to resources, and tips about avoiding threats when you join.

The AARP Fraud Action Network is free and available to people of all ages, including non-members. Scan the code to visit the Fraud Action Network and sign up.

According to the U.S. Department of Homeland Security, Americans young and old are using the Internet and mobile devices on a daily basis. Specifically, older Americans are increasingly utilizing mobile phones, tablets, and wearables to stay connected, informed, and involved with family and friends. This increased connectivity has many advantages, but it also presents a unique set of risks for people over 65.

Cyber criminals often target older Americans, believing they are more likely to fall for online scams like phishing, online fraud, and identity theft. For example, a cyber criminal may email an older adult claiming to be a real financial or government organization, like their bank or the Internal Revenue Service (IRS), asking for money or for them to share their sensitive personal information.

Learning how to protect your identity and personal information online – and how to spot an online

scam – is just as important as understanding how to use the latest technology.

Since cyber criminals are more likely to attack aging Americans, it is critical to equip them with the knowledge to protect themselves online. The Department of Homeland Security encourages older Americans, and all citizens, to follow these three tips to be safe online:

• Beware of “free” gifts or prizes. If something is too good to be true, then it probably is.

• Most businesses or organizations don’t ask for your personal information over email. Beware of any requests to update or confirm your personal information.

• It is important to add only people you know on social media sites and programs like Facebook and Skype; adding strangers could expose you and your personal information to scammers.

MEMBERSFIRSTFL.ORG/DIGITALWALLET

Jet To Class & Buy New Kicks Digital wallets make purchasing online and in-store easy, secure, and convenient. Add your Members First debit or credit card(s) to Apple Pay™, Android Pay™, Samsung Pay®, or Visa® Checkout and start your digital wallet experience today. Take control of your debit card with the CardValet® app or manage your credit card with SecurLOCK™ Equip. See our website for more details.

Enjoy More Rewards.

The benefits of membership have never been better with Members First Credit Union of FL.

* Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Avail. for eligible credit union members & member employees with qualifying corp. id. (ongoing verification). $100 Cash Reward for new smartphone line activ. up to 3 lines. Req. activ. at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrs., replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. No add’l. discounts apply. Loyalty Reward: $50/line/yr. Cash Reward up to 3 lines when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $50 Cash Reward for up to 3 smartphone lines transferred to Cash Reward Program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards & click on “Cash Rewards Tracker.” Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2018 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

Saving on products and services you want and need has never been easier. Your Members First Credit Union of Florida membership can help you save money today with exclusive discounts and benefits from trusted partners. Members have saved nearly $2 billion with great offers, such as:

• Get a $100 cash reward for each new line you activate, up to 3 lines. Plus get a $50 cash reward every year for as long as you are a Sprint customer.*

• Up to $15 off TurboTax® federal products!

• An exclusive smoke communicator and a $100 gift card with a new ADT® monitored home security system. You must call 844-703-0123 to receive this special offer through the Love My Credit Union® Rewards Program.

• Cash back at over 1,500 online retailers with Love to Shop.

Learn more about these and other valuable discounts at membersfirstfl.org or lovemycreditunion.org and start enjoying yet another benefit of being a valued Members First Credit Union of Florida member.

SP TLIGHT

Sara Legg | 5 Years FSR IV/Loan Officer

Congratulations &

Thank you for your years of

service!

MEMBERS FIRST WOULD LIKE TO SPOTLIGHT AN EMPLOYEE WHO HAS REACHED A MILESTONE IN HER CAREER, WHILE HAPPILY SERVING OUR MEMBERS.

And the Winner Is...

Congratulations to V. Parker on winning $200 in our February Love Our CU Members drawing. All members who applied for a loan in the month of February, were entered to win. Congratulations again to Ms. Parker. We hope you enjoyed saving or spending your winnings!

V. Parker February Love Our CU Members Winner

You too can be a winner! For a chance to win, look out for upcoming sales and promotions throughout the year.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)It’s Never Too Soon to Plan For Retirement.

You’ve landed your first “real” job, got an awesome new apartment, and you’re ready to conquer the world. Believe it or not, this is the perfect time to think about your retirement. Once you take care of bills and expenses and contribute to your employer’s 401(k), think about opening a Roth IRA (individual retirement account).

A Roth IRA lets you set aside a specified dollar amount of income after taxes, providing tax-free growth of your money. You won’t get a tax deduction as you make contributions. However, starting at age 591/2, when you start making withdrawals, you won’t pay taxes. With a traditional IRA, contributions are tax-deductible, but you’ll pay taxes on withdrawals at retirement.

For young people, especially, a Roth IRA can be a great investment because of the following:

• Early withdrawals. You’ll avoid the 10% early withdrawal penalty if you’re using the money as a first-time home buyer, or if you’re disabled.

• Low tax rates. If you’re in your 20s, you’re most likely paying a lower rate than the anticipated higher tax bracket when you retire, making it a better deal for you to pay taxes now.

• Ease and simplicity. When you retire, it’s easier to take tax-free withdrawals than to calculate what you’ll need for living expenses after taxes and to send estimated payments to the Internal Revenue Service.

• Benefits of compounding. Because of your early start, you’ll far outpace any progress your peers make if they start 10 years later, even though their incomes and ability to make contributions could be higher then.

When you open a Members First Individual Retirement Account (IRA), you can invest by making tax-deductible deposits (called “contributions”) in a savings program. Our IRAs let you invest up to $5,500 a year ($6,500 if you’re 50 or older), tax free. There is no minimum balance required to open a MFCU IRA.

We offer Traditional, Roth, and Coverdell IRA accounts with a 12-month & 24-month CD term. Funds are insured up to $250,000 by the NCUA. Qualifying funds from other institutions can be directly transferred or rolled over to an IRA at Members First. Call 434-2211 today for more information or to set up your IRA account.

It’s Never Too Soon to Plan For Retirement.

Need A More Secure IRA? We’ll Make It Easy!

Contribution limits effective 2016.

Teach Your Kids to Save For A Super Future!

Help your little one build a bright financial future with a Youth Savings. Features Include:

> UnderSea News > Savings Rewards> Spotlight SaverOur monthly newsletter is full of fun educational articles and activities.

Receive 1 token for each deposit. Bring 3 tokens for a prize.

The child with the most deposits each quarter will receive 2 FREE movie tickets and be featured in our UnderSea News.

membersfirstfl.org | 850.434.2211

Refer-A-Friend & Earn Up to $60! *Tell a friend, neighbor, or family member about the great service you receive at Members First. When they open their account, you’ll get $10 deposited in yours.*

*Restrictions apply. For details, terms, and conditions, go to membersfirstfl.org/referafriend.

Earn $50 for every new member you refer for a new loan (as long as it is approved and opened with Members First). Plus, we’ll add $50 to the new member’s savings account.* That’s a win-win!

To receive credit, make sure the person you refer brings this coupon with them to their local Members First Credit Union of FL branch.

Your Name: Address: Friend’s Name: Date:

Office Use Only | Branch ____________ Teller# _________ Referring Acct# _________________ Referred Acct# _______________ Referral Total _________

5-Star Rating ~ Bauer Financial

LOCATIONS AND HOURS

Web: www.membersfirstfl.orgEmail: mfcufl@mfcufl.orgPhone: 1.850.434.2211Telephone Teller: 1.877.433.8350Mailing Address: P.O. Box 12983

Notice: “Current Living” is an official publication of Members First Credit Union of Florida, and it serves as official notice to the Credit Union membership of matters contained within. *APR=Annual Percentage Rate. APY=Annual Percentage Yield. All offers subject to approval.

INSTITUTION NMLS ID # 405711

DOWNTOWN PENSACOLA251 W. Garden St, 32502Mon-Fri Lobby 9AM - 4:30PMMon-Thur Drive-thru 8:30AM - 4:30PMFri Drive-thru 8:30AM - 5PMATM ● Drive Thru ● Night Drop

NORTH PENSACOLA 250 W. Airport Blvd, 32505Mon-Fri Lobby 9AM - 4:30PMMon-Thur Drive-thru 8:30AM - 4:30PMFri Drive-thru 8:30AM - 5PMSat Drive-thru 8:30AM - 12:00PMATM ● Drive Thru ● Night Drop

EAST PENSACOLA7176 N. 9th Ave, 32504Mon-Fri Lobby 9AM - 4:30PMMon-Thur Drive-thru 8:30AM - 4:30PMFri Drive-thru 8:30AM - 5PMSat Lobby 9:00AM - 12:00PMSat Drive-thru 8:30AM - 12:00PMATM ● Drive Thru ● Night Drop

WEST PENSACOLA4240 W. Fairfield Dr, 32505Mon-Fri Lobby 9AM - 4:30PMMon-Thur Drive-thru 8:30AM - 4:30PMFri Drive-thru 8:30AM - 5PMATM ● Drive Thru ● Night Drop

PACE5005 Hwy 90, 32571Mon-Fri Lobby 9AM - 4:30PMMon-Thur Drive-thru 8:30AM - 4:30PMFri Drive-thru 8:30AM - 5PMSat Lobby 9:00AM - 12:00PMSat Drive-thru 8:30AM - 12:00PMATM ● Drive Thru ● Night Drop

CONTACT INFORMATION

Pensacola, FL 32591

MANAGEMENTCaryl A. Greene.............President/Chief Executive Officer

Michele Williams...................EVP/Chief Operating Officer

Tom Painter......................................Chief Lending Officer

Debbie Cosson................................Chief Financial Officer

Jeff Crutchfield....................VP of Information Technology

Adetoun Sanders...................VP of Marketing & Business Development

Martha Tubb................................VP of Human Resources

Douglas T. Zepp, CCUE................. VP of Members Services