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Mortgage (ARM) is ideal for home buyers wanting to put less money

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UP TO 97% FINANCING • 30 YEAR TERM

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Baton Rouge • Denham Springs • Zachary • Prairieville • Gonzales

NMLS #409483

Approval and rate for a mortgage loan is based on credit worthiness. Rates are subject to change without notice. Other rates, terms and programs available. EFCU Financial Federal Credit Union membership is required. *APR subject to change every 5 years. For example, on a $10,000, 5-year adjustable rate loan for 360 months with an initial interest rate of 4.0% APR, the maximum that the interest rate could increase under this program is 5.0 percentage points to 9.0% APR. Monthly payments of $47.74/$10,000 borrowed at 4.029% APR for 30 years.

disclosures edited 01/23/19 Call 225-215-2740 for information on our mortgage programs.

NMLS #409483 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States

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P.O. Box 91001 • Baton Rouge, LA 70821 efcuFINANCIAL.com

In this isue... PAGE

Mortgage Loans 1 2019 Holiday Schedule 1

Love My Credit Union & TurboTax 2 Groundbreaking for New Branch 2

Enterprise Car Sales 3 Board Election Process & Annual Meeting 3

Mortgage Loans 4

EFCUNEWS 225-214-6800 • 1-800-963-3328 • efcuFINANCIAL.org • P. O. Box 91001 Baton Rouge, LA 70821

WINTER 2019, Vol. 7 | A newsleter for EFCU Financial Credit Union Members

2019 Holidays All EFCU Financial locations will

be closed on the following dates.

Jan 1 New Year's Day

Jan 21 MLK Day

Feb 18 Presidents' Day

May 27 Memorial Day

Jul 4 Independence Day

Sept 2 Labor Day

Mortgage) features a minimum 3% down payment with no PMI (Private Mortgage Insurance). The interest rate on this loan is subject to an adjustment every five (5) years but only up to a 2% maximum per adjustment period or just 5% over the life of the loan.

HELOC Another option for homeowners is a Home Equity Line of Credit (HELOC). Put your home's equity to work for you with this revolving line of credit that lets you borrow funds as you need them.*** Use the money for renovations, tuition, a vacation or a large purchase. An EFCU Financial HELOC can make it happen for you!

For more information, contact our mortgage experts at mortgage@efcufinancial.org or call 225-215-2740.

*Approval and rate for a mortgage loan is based on credit worthiness. Rates are subject to change without notice. Other rates, terms and programs available. EFCU Financial Federal Credit Union membership is required.

**APR subject to change every 5 years. For example, on a $10,000, 5-year adjustable rate loan for 360 months with an initial interest rate of 4.0% APR, the maximum that the interest rate could increase under this program is 5.0 percentage points to 9.0% APR. Monthly payments of $47.74/$10,000 borrowed at 4.029% APR for 30 years.

*** Up to your credit limit.

Columbus Day

Veterans Day

Thanksgiving Day

Thanksgiving Ext.

Christmas Eve

Christmas Day

Oct 14

Nov 11

Nov 28

Nov 29

Dec 24

Dec 25

branches open 8:30 - 12:00

branches open 8:30 - 12:00

Keep your accounts at your fngertips. Download the EFCU Financial app today!

disclosures edited 01/23/19

MORTGAGE LOANS MORE OPTIONS FOR OUR MEMBERS Whether you're purchasing your first home, upgrading to a new home, or looking to refinance, EFCU Financial has a variety of mortgage products* to help you meet your goals. With everything from conventional mortgage loans to FHA loans, our great rates and our knowledgeable staff are sure to get you into the home of your dreams. "We’ll work with you to find the loan to best fit your home buying needs. And no matter which loan type you choose, we guarantee that you’ll receive exceptional service from our all local staff of professionals." said Lori Soileau, our Vice President of Mortgage Lending.

WELCOME HOME LOAN Our Welcome Home Loan** is a great option for home buyers that want to avoid a large down payment. This 5/5 ARM (Adjustable Rate

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Love My Credit Union MEMBERS SAVE UP TO $15 ON TURBOTAX

AND GET A CHANCE TO WIN $25K!

This year, get your biggest possible tax refund and the chance to win $25,000. And, as a credit union member, you can save up to $15 on TurboTax this tax season.

• Get a chance to win $25K. Just try TurboTax Online for free by February 14th (and provide a valid email address) to be automatically entered to win the TurboTax $25,000 Sweepstakes.* • TurboTax has you covered. TurboTax is up to date on the latest tax laws and guarantees 100% accurate calculations, so you can be confdent your taxes are done right. • Real CPAs review your return. With TurboTax Live, you can talk with a CPA or EA onscreen for unlimited advice and a fnal review of your return.

To enter the sweepstakes and access the member discount, click on the TurboTax web banner located on www. efcuFINANCIAL.org. Start today and save!

*TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the 50 United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/14/19. Subject to complete Offcial Rules and all applicable federal, state and local laws. For Offcial rules including participating Financial Institutions and business, odds of winning, alternate method of entry, and prize descriptions, visit the Offcial Rules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG 2A-03 22E, San Diego, CA, 92129.

GROUNDBREAKING HELD NEW EFCU FINANCIAL BRANCH COMING IN 2019

Ground was broken on December 18, 2018 for a new EFCU Financial location. This 3,150 square foot branch will be located at 9802 Perkins Road, next door to Tari’s School of Dance, near Bluebonnet Boulevard. This will be the eighth EFCU Financial location in the Greater Baton Rouge Area.

The Perkins branch will feature an open concept lobby and meeting center, and will include a self-serve coffee counter, USB charging stations and an area for kids. There will be four teller windows and fve offces, plus four drive thru lanes and an ATM. This branch will belong to the Shared Branching Network.

“We are excited to add to our footprint in Baton Rouge and be able to serve an area where we do not currently have a presence,” said Tyler Grodi, Chief Executive Offcer. “We look forward to being closer to our members in the Bluebonnet and Essen areas, and we also look forward to serving new members living and working near our newest branch.”

Construction will begin in early 2019 and plans are to open later in the year.

Pictured left to right: Jan Shaw, Vice President of Construction, Labarre Associates

Neal Chollete, Board Member, EFCU Financial Karon Musemeche, Chief Administrative Offcer, EFCU Financial

Jim Phillips, Chairman of the Board, EFCU Financial Tyler Grodi, Chief Executive Offcer, EFCU Financial Rick Myers, Chief Financial Offcer, EFCU Financial

Phillip Kern, Architect, Labarre Associates Neal Elkins, Board Member, EFCU Financial

Billy McDonald, Chief Information Offcer, EFCU Financial Bryan Lummen, Construction Administrator, Labarre Associates

Wynter Roy, Chief Operations Offcer, EFCU Financial

COMMITTEE ANNOUNCES NOMINATIONS FOR BOARD

The 2019 Nominating Committee, consisting of Board Members Kim Bardell, Keith Carpenter, and Neal Elkins, respectfully submits the following names for the upcoming vacancies on the Board of Directors:

3-Year Term: Celeste Francois Joyce Dunn Rick Bergeron

Nominations by petition signed by 1% of the voting membership (minimum 500 signatures of qualifed voting members) will be accepted until February 14, 2019.

The fnal slate of nominees (including petitions) will be posted at all EFCU Financial offces by February 19, 2019, with a brief statement of qualifcations and biographical data on each candidate. If no petitions are received, the Nominating Committee’s candidates will be elected by acclamation at the March 26, 2019 Annual Membership Meeting.

If you’re a member in good standing, and want to serve your credit union and fellow members, and possess strong leadership and business management skills, mail the properly signed petition, your résumé and cover letter to:

Nominating Committee EFCU Financial PO Box 91001 Baton Rouge, LA 70821

Petitions must be received by February 14, 2019, to be included on the election slate.

ANNUAL MEETING Our Annual Meeting will be held on March 26, 2019 at our

Enterprise Car Sales The qualities that make Enterprise a trusted name in rental cars are the same qualities that make our car buying experience stand out exceptional customer service and a wide selection of quality, 1 3 year old vehicles.

As people who genuinely care about our customers, we get that car buying can be intimidating. That’s why we’ve committed to make everything simple. Our transparent pricing means the price you see is the price you’ll pay. And we’ll be here to help, making sure you drive away feeling completely satisfed.

Visit our locations in Baton Rouge or Metairie to see how Enterprise makes it easy.

Used vehicles were previously part of the Enterprise rental feet and/or an affliated company s lease feet or purchased by Enterprise from sources including auto auctions, customer trade ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. The “e” logo and Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2018 Enterprise Car Sales.

Operations Center located at 10719 Airline Highway in Baton Rouge. The meeting will begin at 5:30 pm and will

last about an hour.

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