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in Person2845 Davison Road East of Dort Hwy.

5091 W. Pierson Road West of Linden Road

1091 W. Hill Road West of Fenton Road

1441 S. State Road South of I-69

9050 Holly Road East of I-75

14265 Fenton Road North of S. Long Lake Road

1724 DeMille Road West of Main Street Lapeer

TelePhone810.767.8390800.521.3796

DoRt By PHone810.600.4093866.388.7336

LoSt/StoLen VISA800.543.5073

inTerneTwww.DortOnline.org feedback@dortfcu.org

MAilP.O. Box 1635 Flint, MI 48501-1635

business servicesbusiness@dortfcu.org

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MorTgAge officesLapeer Mortgage office700 S. Main Street, Suite 102BLapeer MI 48446 810.244.3910

Flint Mortgage office5045 Gateway Center, Suite CFlint, MI 48507 810.244.2595

enjoy the Home & garden of Your dreams with a dort Federal Home equity line of Credit

1.79% intro APr for First 12 Months!*

*Current APrs range from 4%-13.75%APPly thrOugh June 30th, 2017

our HeloC loans help you make your dreams into reality. Some of the features and benefits include:n 15 year draw periodn Credit available when you need itn Minimum loan amount is $5,000n Variable rates based on Prime plus a margin (margin

identified at time of application, is defined as the number of percentage points the lender adds to the index rate to determine the annual percentage rate to be charged)

n Competitive rates

* Introductory Annual Percentage Rate (APR) of 1.79% begins on date of closing and is effective for 12 months. After the 12 month period, the variable rate APR as disclosed in your Home Equity Line of Credit Account Credit Agreement and Disclosure Statement will apply. Current APRs range from 4.00% to 13.75%. Maximum APR that may apply is 18.00%. Minimum loan amount of $5,000. Closing costs typically include appraisal, title insurance, recording fee and range from $350 to $1,200. These costs are initially waived by the credit union. Repayment of waived costs will be required if the HELOC is closed and cancelled within 24 months of origination. Property insurance required. Monthly payments based on a 20 year amortization with a minimum monthly payment of $50.00. Programs, rates, terms and conditions are subject to change without notice. Introductory APR offered on new Dort Federal HELOCs. Members who currently have a Home Equity Line of Credit through Dort Federal are not eligible. Offer valid on owner occupied property only where collateral loan to value is 80% or less and excludes all loans already financed at the credit union. Proof of income required, subject to normal underwriting guidelines. Other restrictions may apply. Introductory APR offer good April 1, 2017 through June 30, 2017. **Consult your tax advisor about potential tax benefits.

eQuAl housing oPPorTuniTY

On Tuesday, April 18th Dort Federal Credit Union held its 65th Annual Membership Meeting.

Following the election, the Board of Directors held an organizational meeting where executive officers for the 2017-2018 year were elected and committee appointments announced.

Dort federal credit union board of Directors

Douglas KiddChairman of the Board

Harry AwdishFirst Vice Chair

Wayne Natzke Second Vice Chair

Adam Chapman Volunteer

Amy LamsonVolunteer

Roxana Johnson-DePalmaVolunteer

Jeff SellsAssociate Director

Beverly KittleDirector

Diane PiercyDirector

Dana StoddardSecretary

Bruce AllanTreasurer

S u p e r v i S o ry Co m m i t t e e

The Member’s committeeMade up of volunteer members appointed by the Board

of Directors, your Supervisory Committee plays an important role in the credit union. The committee is responsible for helping protect the assets of all members. Their stewardship role is unique to credit unions.

Their key responsibilities include maintaining oversight of financial statements and activities to ensure safety and soundness; independent audits; verification of member accounts; investigating and responding to suspicious or unsafe activity; and protecting strict confidentiality. The committee retains a Certified Public Accounting firm to assist in carrying out their responsibilities in a professional and thorough manner, including an annual audit.

The committee ensures that Dort Federal operates within the requirements set forth by the National Credit Union Administration (NCUA), an agency of the federal government responsible for regulating federally chartered credit unions. In addition, this committee confirms that policies prescribed by the Board of Directors are followed.

The Supervisory Committee is the member’s committee. The committee encourages you to discuss any questions or concerns regarding credit union policy or regulatory compliance with a member of the credit union staff. After doing so, should you wish to address an issue further we welcome your inquiry by writing to:

Supervisory Committee PO Box 1194 Grand Blanc, MI 48480

2017-2018 Dort federal board of Directors

CoMPetitive Auto loAns

low loan rates

easy online Application

close Your loan online

financing comparison calculators

d o r t o n l i n e . o r g

Kick off the summer season with a day of fun at Cedar Point! Cedar Point is scheduled to open

May 6th and will feature Valravn, the world’s TALLEST, FASTEST & LONGEST dive coaster! Climb 223 feet above the midway before you’re held over the edge for 4 seconds. Then, DIVE STRAIGHT DOWN at a 90-degree angle on an exhilarating flight on the king of all dive coasters!Dort Federal offers discounts on Good Any Day Tickets. Save time and money by purchasing your discounted tickets from any Dort Federal teller at all seven locations.*

DISCounteD RAteS:

ticket type Cedar Point Gate Price

DF Member Price

DF Members Save!

Good Any Day $67 $50 $17

Ride & Refresh $54 – adds unlimited Coca-Cola fountain beverages for only $4 more!

* tickets available in branches while supplies last.

Discount Cedar Point admission Now available!

Shopping for a new car, truck, or SUV? Dort Federal has a quick financing process and low rates so you drive home happy.

Would you like a lower payment on your existing vehicle? We can make that happen!

Dort Federal offices will be closed on

MondAY, MAY 29, 2017 remember, the Dort Federal mobile app, www.DortOnline.org, and Dort By Phone are availableto make transfers, check balances or process a loan payment. Plus, your Dort One Card provides quick access to cash at nearly 30,000 surcharge-free AtMs, just look for the CO-OP network logo.

MeMoriAl dAY Closing

effective April 1st, the dividend on our 08 share draft account will be paid monthly on the first of each month instead of quarterly.

great news! Share Draft monthly Dividend Change

Fun Time!Sun Time

Grand PlansSummer Loan

$1,000 Loan Quick, 12-Month Payback no credit check

Have some extra summer fun this year with the Grand Plans Summer Loan from Dort Federal Credit Union. It’s the quick and affordable way to add extra cash to your summer budget!

Qualifications: Loan subject to having a minimum direct deposit equaling $1,500 or more per month into your Dort Federal Credit Union account for the past three months. Loan is based on 17.9% annual percentage rate and a 12-month term with payments of $95.00 per month. One loan per member. If you have more than one special program loan outstanding, proceeds from this new loan will be used to pay off one of the existing loans. Approval is based on no anticipated changes to financial status for the next 12 months. Other restrictions may apply. See a Dort Federal Member Service Representative for details. Rates, terms and conditions may vary and are subject to change at any time without notice. Offer good through 8/31/2017.

Beginning June 5th, 2017!

Create a vacation budgetDecide how much money you can afford to spend on a summer vacation. Start by updating your monthly budget. Review your income, expenses, and debt obligations and be sure to set aside money for emergencies. Then decide how much you can direct towards a summer vacation. Add up the total estimated costs of your trip in advance, before making final plans. Then, put away money each month into a savings account.

involve your familyOnce you’ve determined how much money you can afford for a vacation, decide how best to spend it. Include your family members to decide on where to go and what to do. If your budget is limited, consider an at-home vacation like a grand picnic with families, friends and neighbors. You could also host a pool party at a local pool or visit tourist attractions in your area.

Research your vacation optionsUse the internet to get information on sightseeing, tourist attractions, and discount travel and lodging. Ask travel agents for information on seasonal discounts. Read the latest travel guides available online, in newspapers, and through local visitor and tourism associations. Get advice from friends and relatives who’ve traveled to places you plan to visit. They can help direct you to places that are fun and affordable.

Plan your itinerary in advanceMap out your daily activities and routes to ensure that you’re staying on-course and on budget. Unplanned activities can often amount to unplanned spending. Before you know it your budget will be busted.

Have a credit planCheck credit card balances on your accounts well before you travel. Make sure they are paid off or under half the limit that you can charge. Credit cards are helpful on the road. They’re safer than cash because they can be replaced if lost or stolen. They can make it easy to overspend, though, so be sure to limit your charges to budgeted expenses. Also, limit credit card cash advances. This is expensive cash because you could be assessed a flat fee and charged interest as of the date the advance is taken. If you need cash, use your ATM or debit card instead. Only use one or two credit cards and be sure to keep all receipts and record your charges in a ledger. When you return home, pay off the credit card charges using the money that you saved for the vacation.

Keep Your budget in Mind When

Planning a VacationVacations don’t have to be expensive to be memorable and fun. Here are some suggestions to plan a successful vacation.

Article provided by greenPath Financial Wellness Program. you can take advantage of the greenPath Financial Wellness program, a free financial education and counseling program of Dort Federal Credit union. greenPath counselors are available Monday through thursday 8 AM to 10 PM (eSt), Friday 8 AM to 7 PM and Saturday from 9 AM to 6 PM to use this service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.