M E M B E R S 1 S T F E D E R A L C R E D I T U N I O N

AVENUESSEPTEMBER/OCTOBER 2017

Retire on your terms

Medicare open enrollment comingPage 11

Paying too much interest?We can help Page 8

Your future depends on saving Page 15

2 | AVENUES

DIRECTORY

Members 1st FCU does not promote, endorse, or ensure the accuracy of information found on any Web site or publications referenced in this publication. This newsletter is intended to be informative in nature and should not be construed as legal or financial advice.

EDITOR: Lisa M. MacDougall, Marketing Specialist

MANAGING EDITOR: Lisa Pomeroy Hess, Marketing Team Leader

©2017 Members 1st FCU5000 Louise Drive Mechanicsburg, PA 17055

Federally insured by NCUA. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

GET CONNECTEDwww.members1st.orgwww.members1stblog.org

TELEBRANCH (CUSTOMER SERVICE): Membership and account inquiries, transactions and account services

(800) 237-7288 • accountinquiries@members1st.org

Monday-Wednesday: 7:30 a.m. - 5:00 p.m. • Thursday: 7:30 a.m. - 6:00 p.m. Friday: 7:30 a.m. - 7:00 p.m. • Saturday: 8:30 a.m. - 2:00 p.m.

Do not include any personal information such as your account number, Social Security Number, credit card numbers, electronic services, PINs, passwords or mother’s maiden name in any email correspondence.

ADMINISTRATIVE HEADQUARTERS: (800) 283-2328

For additional phone numbers, go to www.members1st.org » Contact Us.

5000 Louise Drive • PO Box 40 • Mechanicsburg, PA 17055

Monday-Friday: 9:00 a.m. - 5:00 p.m.

ROUTING NUMBER: 231382241

NEED TO SEND US SOMETHING?GENERAL CORRESPONDENCE: Members 1st Federal Credit Union • PO Box 40 • Mechanicsburg, PA 17055

LOAN PAYMENTS: Members 1st Federal Credit Union • PO Box 2104 • Mechanicsburg, PA 17055-2104

VISA® CREDIT CARD PAYMENTS: Members 1st Federal Credit Union • PO Box 2109 • Mechanicsburg, PA 17055-1719

DEPOSITS: Members 1st Federal Credit Union • PO Box 2110 • Mechanicsburg, PA 17055-1710

When sending a loan payment or deposit, please include your payment coupon and/or use a deposit or loan payment ticket available at www.members1st.org.

BRANCH & ATM LOCATOR Go to www.members1st.org » Locations (top). Zip code or city search available.

SURCHARGE FREE ATMS To find a surcharge-free ATM near you go to www.members1st.org » Locations (top). Select:

Surcharge Free CO-OP ATMs Surcharge Free CU$ ATMs

We appreciate your participation in the various readership contests throughout our service area.

Members 1st has been honored with the following publication awards to date in 2017:

Thank you for all of your votes!

Harrisburg Magazine • Simply the Best Credit Union• Reader’s Choice Financial Planner:

Andy Steele

Susquehanna Style Magazine • Who’s Who in Business/ York – Credit Union

& Mortgage Company• Who’s Who in Business/Harrisburg –

Mortgage Company• Best of Harrisburg & Best of Lancaster –

Best Credit Union

Central Penn Parent • Family Favorite Award – Favorite Credit Union

Shippensburg News Chronicle • Cream of the Crop – Best Credit Union

NAFCU • Credit Union of the Year

Central Penn Business Journal Reader Rankings 2017 • Best Credit Union• Best independent Insurance Agency• Best Financial Management/Consulting Firm

Lebanon Daily News • Best of Lebanon County – 2nd Place,

Best Credit Union

Sentinel • Best of Cumberland County – Best Credit

Union• 2nd Place, Best Mortgage Lender

Lancaster Newspaper • Reader’s Choice Award – 1st Place, Favorite

Credit Union

Latino Connection • Winner Credit Union Category – Lo Mejor

De Lo Mejor

September/October 2017 | 3

As we enter the home stretch of 2017, allow me to recap what a successful year it’s been so far. We are grateful for your business and we continue to welcome new members and new businesses to our credit union family every day. With our goal of being the preferred financial institution in South Central Pennsylvania, we are humbled by those of you who choose us to help you with your finances. 2017 has been a year of growth for our credit union. With growth comes changes, new opportunities, new ways of doing business, and constantly looking ahead to the future. We will continue to provide you with exceptional member service without sacrificing who we are today or where we’ve come from.

From January 1 through July 31, we have welcomed into our credit union family 45,001 new individual members and 625 new Select Employer Groups (SEGs). For those of you who don’t know, a SEG is a business, school, church, or organization who partnered with us to be able to offer credit union membership to their employees, students, members or volunteers. Many of our SEGs are referrals from members like you.

Referrals are an important part of our membership growth and as shown by the numbers referenced above, we know you’re out there talking about us. Did you know that through our CASH4U program, you can earn $5 for every referral you make to us that opens an account? Visit any branch to pick up our CASH4U flyer to hand out to family, friends, neighbors, and co-workers.

"We are committed to providing genuine, personal attention to each other and all of our members."

We are pleased to report that the results of our 2017 Annual Membership Satisfaction Survey have been received and the percentage of respondents who indicated they are Satisfied, Very Satisfied or Extremely Satisfied remains at 96.9% which is the same percentage as 2016. This score represents how effectively we are serving our members, how efficient our systems are performing, and how you perceive us. Thank you for your continued confidence!

We are committed to providing genuine, personal attention to each other and all of our members. We make it our responsibility to make a difference. Delivering unparalled experiences to you, whether in person, on the phone, or via electronic communication is our number one priority. We aim to connect with you, be responsive and take ownership of any concern or issue you may have, recognize your needs and expectations, and exceed your idea of what you consider to be outstanding service.

As we continue moving ahead, remember we want to improve processes, products or services, and we encourage you to provide us with your feedback. We invite you to fill out a “Let Us Know Comment Card” or send an email to accountinquiries@members1st.org.

Thank you for being a member. We wouldn’t be who we are today if it wasn’t for you.

George NahodilActing President & CEO

Here to Serve You!

George NahodilActing President/CEO

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Holiday ClosingsMonday, October 9, 2017 (Columbus Day)Administrative Headquarters and branch locations, excluding our in-store Giant Branches

Saturday, November 11, 2017 (Veteran’s Day)Administrative Headquarters and branch locations, excluding our in-store Giant Branches

Thursday, November 23, 2017 (Thanksgiving Day)Administrative Headquarters and branch locations, including our in-store Giant Branches

Free SeminarsHOMEBUYER’S SEMINARWednesday, October 11, 20176-8 p.m.RSVP online or at (800) 283-2328, ext. 6026

HOME CONSTRUCTION LOAN SEMINARWednesday, October 18, 20176-8 p.m.RSVP online or at (800) 283-2328, ext. 6026

Seminars are held in the David L. Foreman Community Room at our Administrative Headquarters located at 5000 Louise Drive, Mechanicsburg. Park around the rear of the building and enter through the back door.

Directions: members1st.org » Locations

Visit New York City! Member Bus Trip - A Day on your Own

Saturday, December 16, 2017

Departs Administrative Headquarters (Mechanicsburg) at 7 a.m.

Departs NYC at 7 p.m.

Cost: $50.00 per person

RSVP Deadline: Friday, November 17

Bus trips are for members and their guests.

Register ONLINE at www.members1st.org/bus-trips

Payments must be made in advance by personal check or money order, payable to Members 1st. Drop off at any branch or mail to Tim Wortman, Marketing Department, 5000 Louise Drive, Mechanicsburg, PA 17055.

September/October 2017 | 5

Celebrate International Credit Union Day on October 19!Join credit unions around the world in celebrating that at credit unions, Dreams Thrive Here. The theme is meant to serve as a reminder of how effective credit unions like us are at helping all people chase and achieve their biggest dreams in life.

Be sure to celebrate with us and stop by to pick up your 2018 Members 1st Calendar as our gift to you.

Congratulations to our Calendar Contest WinnersThank you to everyone who submitted photos for our 2018 Calendar Photo Contest. Our judges were very impressed with your photography skills, talent and creativity. After viewing all of the photos (and there were a lot!), we’ve selected one cover photo winner and 12 photos to represent each month.

Congratulations to the following members:

COVER WINNER:John Nicolson

MONTHLY WINNERS:Brian WilsonChris Kuhm

Brandon RyderWilliam Martin

Alexander McFaddenStacey Steinberg

Melissa WilsonPavel Stolyarov

Christina Smith Frank Dziennik

Adriane HorningMark Ditmer

All winners have been contacted and the winning photos will be posted to our Facebook page soon.

Remember to stop by your nearest branch on October 19th to pick up a copy of the calendar and celebrate International Credit Union Day with us!

Hummingbird Ornaments Once again we are partnering with the Penn State Children’s Hospital and our local Children’s Miracle Network (CMN) to bring you something specialfor the holiday. Starting on November 24, you may purchase a CMN hummingbird ornament for $20 at any of our branches. All proceeds will directly benefit the children and families who receive services at Penn State Children’s Hospital.

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George Nahodil recently presented three local college students each with a $2,500 scholarship for completion of the summer internship program.

Thanks for your help this summer!

Look for application information about our 2018 Internship Program on our website soon!

Our recipients this year included Jonathan Wishnow, finance intern from University of Pittsburgh; Jacob Egenrieder, real estate lending intern from Millersville University; and Madeline Szekeres, card services intern from Lebanon Valley College.

The students received their scholarships after successfully completing a twelve-week internship. The internship opportunities offered were within the Marketing, Real Estate Lending, Card Services and Finance departments.

To be eligible for the award, applicants must be members of our credit union and currently be attending an accredited college, university or technical school. Preference is given to students from Central Pennsylvania majoring in a business or communication related field. The award consists of a paid twelve-week internship and a $2,500 scholarship.

Congratulations to our Interns!

Considering your options?We offer a wide variety of career opportunities for all ages, skill levels, and professional interests. From full-time to part-time, from having direct member contact working in a branch to working behind the scenes in our administrative offices, we have a career path for everyone.

We want our associates to get up every morning and have something to look forward to other than a paycheck. In addition to excellent benefits, competitive salary, opportunities for professional development and career advancement, we offer a pleasant, fun, and family-friendly working environment.

If you’re looking for a job or a second career check out our current openings at:

Be sure to check out our #Facesof M1st feature on Facebook, Twitter, LinkedIn and Instagram to learn more about our associates!

We are an Equal Opportunity Employer.

September/October 2017 | 7

Overdraft Protection & Courtesy Pay in a Nutshell

Overdraft ProtectionMembers 1st offers fee-free Overdraft Protection. You select the savings accounts or lines of credit that you want as overdraft sources and the funds are automatically transferred to your checking account when needed to cover any overdrafts you may have. Be aware that overdraft transfers from savings accounts are subject to the Regulation D limitation allowing a maximum of six (6) electronic transfers per calendar month. You can set up your overdraft sources and the order of these accounts on Members 1st Online, at a branch, or by calling TeleBranch.

Courtesy PayCourtesy Pay is a discretionary service offered to eligible checking accounts to pay checks, ACH debits, bill pay or recurring debit card transactions. It can be used for payment in the event that you have insufficient available balances to cover the item(s). Courtesy Pay can help you avoid the embarrassment and inconvenience of returned items. Having Courtesy Pay will often prevent returned item fees or late charges imposed by merchants or other payees. If used, your account will result in a negative balance up to the amount of your Courtesy Pay Limit and you will be charged a $37 Courtesy Pay fee for each item paid. The limit amount may change periodically and is based on your account remaining in good standing. You can view your Courtesy Pay Limit on Members 1st Online under your Checking Account Details. You are automatically enrolled for this service and may opt out at any time by notifying us.

Have you ever wondered what services Members 1st offers its members to prevent insufficient funds or declined payments? We offer three types of overdraft services.

Extra Courtesy PayExtra Courtesy Pay is an optional service provided to members that are qualified for Courtesy Pay and choose to opt in for the Extra Courtesy Pay coverage. Extra Courtesy Pay covers one-time ATM and debit card purchases using your Courtesy Pay limit. Once enrolled, members can opt out by notifying us via Members 1st Online or in person.

For more information on Overdraft Services, please check members1st.org/products-services/deposit-accounts/checking, or contact Deposit Operations at (800) 283-2328 ext. 6022, TeleBranch (Customer Service) at (800) 237-7288 or visit any branch.

By Deb SmolukSVP of Member Services

8 | AVENUES

1.90% 9.25-18%

PROMO RATE: AFTER PROMO RATE:

Apply for our VISA® Platinum Rewards Credit Card and transfer your high interest balances today.

Limited time offer expires Dec. 31, 2017.

APR* for 6 months APR* thereafterNo Balance Transfer Fee & No Cash Advance Fee

TRANSFER & SAVEVISA® Platinum Rewards Card

*The 1.90% Annual Percentage Rate (APR) on Balance Transfers using the specific form or online submission is a “Discounted” rate that will bein effect from the time of the posting of the balance transfer to your card account for six consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. After the expiration of your “Discounted” rate the remainingunpaid portion of the original balance transfer request will be subject to your normal APR as outlined on your monthly statement based on the specific Members 1st FCU credit card selected. Current rates range from 9.25% APR to 18% APR. Consumer Cards (Business Cards and SecuredCards are ineligible) may have up to 10 individual balance transfers open at any given time period. If you default through becoming 60 days or more delinquent we may increase your APR on the balance transfer and other balance amounts as defined within the cardholder agreement anddisclosure, which is provided upon card issuance and available online at www.members1st. org. All payments received on your account in excess of your minimum payment requirement will be applied first to the highest rate balances, secondly to the lowest rate balances and finally to newpurchases. All rates are effective as of August 1, 2017 and this offer may be withdrawn at any time. Other restrictions or conditions may apply.You may not pay off any other Members 1st credit card, line of credit or loan product by using this balance transfer option. For current rates, fees and other cost information, please reference the VISA® Balance Transfer disclosure or contact the Members 1st FCU Card Services Group at (800)283-2328, ext. 6035. Offer expires December 31, 2017.

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

— with our —

Online: www.members1st.org • Log in to Members 1st Online• Click Services• Select Card Services• Select VISA® Balance Transfer

Call Card Services: • (800) 283-2328, ext. 6035

In person: • Visit your local branch

September/October 2017 | 9

Set-up your preferences and save time when you use our ATMs! Our ATMs allow you to pre-set your user preferences so you don’t have to answer the same questions every time your insert your card.

Here’s how this works:

Insert your card

Select your language preference

Enter your PIN number and select “Set Up Transaction Preferences” located at the bottom of the screen.

Choose the preference(s) that you would like to set-up; preferred language, preferred fast cash amount, preferred receipt option.

For your preferred language, select English, Spanish or Always prompt. You will receive a confirmation screen for your choice. Simply choose yes or no.

For your preferred fast cash amount, choose the amount that you would like to appear. You will receive a confirmation screen for your choice. Simply choose yes or no.

For your receipt option, choose from: always print a receipt, never print a receipt or always give me an option. You will receive a confirmation screen for your choice. Simply choose yes or no.

Press “Exit and Save Preferences”.

When you have completed setting up your preferences simply click “Go to Main Menu” to perform your transaction.

The next time you visit one of our ATMs your preferences will be in place and you will no longer need to answer these prompts when you are performing a transaction.

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10 | AVENUES

Did you know we have our very own Insurance Services division? This department was developed primarily for members to take advantage of an additional insurance resource when applying for loans through the credit union or just to shop for insurance coverage. Our independent agency has the capability to secure competitive insurance quotes through the various carriers

they represent. Along with protecting your vehicles, your home, and your family, we can also protect you with Life coverage, Long-Term Care coverage, Medicare Supplemental plans, and even your dog or cat with Petplan coverage. For your business, we have Group Health plans available.

Since its initiation, the agency continues to experience growth. Starting in 2010 with Lisa Richardson, Insurance Operations Manager, and Kari Fite, Account Manager, they now have increased to 8 licensed and experienced staff and are ready to help you with your insurance needs.

The staff doesn’t work for an insurance company, they work for you! They take the personal approach to understanding your unique insurance needs so they can provide you with coverage and options to best protect you and your valued assets.

If you haven’t shopped your insurance coverage recently, call them or go online to request a free quote. You never know if you will save money or need better protection until you talk with them! Plus, many of the personal lines carriers extend an additional Members 1st discount to our members as an additional valuable membership benefit.

So give them a call or visit their newly expanded office space! They can meet with you in person at their office, over the phone, or you can still request an appointment at your favorite branch to meet with them. Contact us today!

Personal insurance services available to PA and MD residents only.

Leah Warren gives information to a member in the new reception area.

Jolene Kleiser discusses personal insurance options.

The Insurance Services team. Front row: Robin Brice, Faduma Hasson, Ben Laush, Kari Fite. Back row: Leah Warren, Jolene Kleiser, Clinton Forry, and Lisa RichardsonThe Insurance Services team. Front row: Robin Brice, Faduma Hasson, Ben Laush, Kari Fite. Back row: Leah Warren, Jolene Kleiser, Clinton Forry, and Lisa RichardsonThe Insurance Services team. Front row: Robin Brice, Faduma Hasson, Ben Laush, Kari Fite. Back row: Leah Warren, Jolene Kleiser, Clinton Forry, and Lisa Richardson

September/October 2017 | 11

Are you on Medicare?

Concerned about your choices and need some guidance? Let’s get together for a FREE consultation to review the best Medicare options for you.

Contact Ben Lausch, Health Benefits Specialist, at (800) 283-2328, ext. 5245 or lauschb@members1st.org.

Watch our website for details about scheduling your free consultation.

The annual enrollment period is here! From October 15th through December 7th, you can make changes to your Medicare Advantage (Medicare Part C) or Medicare Prescription Drug Coverage Plan (Medicare Part D). We’ll also determine if we can offer you a better rate on a Medicare Supplement.

When was the last time you took a good look at your premiums?Get a FREE QUOTE on your Auto and Homeowners Insurance!*Go to our website and click Products & Services » Insurance Services.

Members have saved hundreds of dollars when they’ve switched their auto insurance to Members 1st Insurance Services.

Plus, you may qualify for an additional discount on your personal insurance premiums!

CALL NOW TO SEE IF YOU CAN SAVE MONEY!

To discuss your insurance options, call us at (800) 283-2328, ext. 5245.

Personal insurance services available to PA and MD residents only.

12 | AVENUES

5 Tips for Getting the Most Out of Your Rewards Credit Card

1. Pick a card that offers rewards you'll actually useIt's easy to get caught up in the excitement around a new card that's just hit the market. But before you apply, consider whether the card comes with a rewards program that actually fits your lifestyle. Otherwise, you might get stuck with a bunch of points or miles that you'll never redeem — something that happens to 1 in 5 consumers, according to NerdWallet's research on rewards cards.

Doing some digging upfront to find a card that will be valuable to you is the key to ensuring you'll get the most out of your plastic.

2. Know your card's rewards earning structureBy investing a little time in reading your card's terms and conditions, you might find there are ways to score extra points on certain kinds of spending.

For example, it's common for travel credit cards to award extra points or miles for every dollar spent on dining out. Consequently, using your travel card when you take your family out to dinner or pick up your morning coffee is a smart idea, because it will help you get to

One of the best things about choosing to use a rewards credit card for your day-to-day spending is the points, miles or cash back you can earn every time you swipe. But it can be tricky. To make sure you're getting the most out of your card, take a look at the tips below.

Which Members 1st VISA Rewards Card is Best for You?Choose your Rewards! • Cash Back – Earn cash back for everyday purchases. • Points – Earn points to use towards great items. • Low Rate – No frills, just a low interest rate.

For more details, visit members1st.org » products & services » VISA credit cards.

Already have a Members 1st VISA credit card? Ask for a credit line increase!

your next vacation faster. Knowledge is power, so get familiar with the ins and outs of how to maximize earning your rewards.

3. Budget carefully every monthIf you're carrying a balance on your card and justifying it with all the rewards you're earning, here's a wake-up call: You're paying out much more than you're bringing in. Most credit cards return only about 1% of your spending in rewards, and charge double-digit interest rates on unpaid balances.

To make the math work in your favor, stick to a budget so you don't put more on your card than you can pay off each month.

4. Keep your account in good standingOne of the biggest mistakes you can make with a credit card is to fall behind on payments. Miss one and your account will no longer be in good standing and your ability to earn rewards could be jeopardized. Also, your credit score will suffer.

The solution? Pay your credit card bill on time each month or at least the minimum due. Online bill pay can make that process fast and easy.Article courtesy of NerdWallet, Inc.

September/October 2017 | 13

You may be eligible to SKIP your Loan Payment!*

Skipping your loan payment means more money in your hands when you need or want it most. To see if you have a current loan that qualifies*: • Log in to Members 1st Online and click on your loan. • If your loan qualifies, you’ll see “Skip Your Payment.” • Follow the Prompts.Questions? Visit your local branch or call us at (800) 283-2328, 6040.*All eligible loans must be current for Skip-A-Pay. A $30 processing fee will be assessed from your Regular Savings Account. If adequate funds are not available in your savings account, the $30 processing fee will be transferred from your Checking Account. Your current loan will continue to accrue interest even though you choose to skip your payment. The maturity date of your loan will also be extended. If your loan includes optional insurance coverage enhancements, please reference those policies. They may expire on the original loan maturity date and may affect your coverage. Skip-A-Pay may not have been made on this loan within the last 90 days. Limited to two skips per calendar year. Real estate secured and business loans are not eligible for this offer. Other exclusions may apply. Ask for details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Questions may be directed to our Loan Center at (800) 283-2328, ext. 6040.

Need a Change of Scenery next Summer? Start your Vacation Club now!Hard to believe summer’s over. Were you stuck at home with a staycation again? We have a way to help you save so you can take that trip that you’ve always dreamed about.

Start your vacation club today. It’s very easy to do with an automatic transfer from your regular savings or checking account right into your vacation club. Each payday have a set amount transfer to your vacation club; you won’t even have to think about it!

We then transfer your funds automatically to your regular savings on April 1st, so the funds are accessible for your 2018 dream trip!

Go to Members 1st Online to set up your Vacation Club account. Now is the time to start saving!*There is an early withdrawal fee of $10 per occurrence, if withdrawn before maturity. Account matures on April 1 and transfers to regular savings. Federally insured by NCUA.

14 | AVENUES

The Rough Consequences of Not Saving for Retirement

September/October 2017 | 15

The Rough Consequences of Not Saving for Retirement

More than a quarter of seniors have no retirement savings. To be more specific, the Government Accountability Office says 29% of households headed by people 55 or older have no savings in a retirement account and no possibility of receiving an employer pension.1

Late last year, a PWC survey revealed that 37% of baby boomers had less than $50,000 in retirement assets. Just 24% of baby boomer households PWC polled had saved more than $300,000 for their “second acts.”2

What kind of future awaits boomers who have saved less than $50,000 for retirement? It is hard to say exactly what may happen to them financially, but it is possible to make some educated guesses.

They will likely try to work into their seventies. If their health permits, they will attempt to stay employed at least part time. Their earnings will presumably drop as they age.

They will probably rely heavily on Social Security & home equity. Social Security income by itself will prove insufficient to retire on, so they will look at selling their homes or arranging reverse mortgages to help fund their retirement (if they own homes to begin with).

A fortunate few may have a third option: augmenting their inadequate retirement savings with proceeds from a business sale. Some small business owners save relatively little, believing that the money they get from selling their company will fund their future. That is not a given. It may take years for their business to sell, and it may sell for far less than they assume.

Within a few years, they will need to accept a significantly lower quality of life. They may be forced to scale back creature comforts, live in tiny quarters, or relocate to a cheaper, less desirable area (assuming they can handle relocation costs). They may end up doing all of this.

At some point, they may start spending down their assets. If they do enough of that, they will be eligible for Medicaid – a grim consolation in a sad process. Debts may impel them to whittle away their net worth even faster.

Then, they may need help from their children. Having little or no income besides Social Security, they will struggle mightily to keep up with the bills. If they own their homes free and clear, at least they will be able to stay in them; if not, they may choose the apartment of last resort and move in with one of their adult children.

Will this be your future? If you want to plan to avoid this financial nightmare, then you must save and invest for retirement. Save and invest as if your entire future depends on it, for it may. Saving and investing now could help you save your quality of life someday.

Sources1 smartasset.com/retirement/average-retirement-savings-are-you-normal [3/29/17]

2 fool.com/retirement/2016/12/17/baby-boomers-average-savings-for-retirement.aspx [12/17/16]

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates.

Saving for retirement may seem a thankless task. But you may be thanking yourself later. Putting away a percentage of one’s income, money that could be used for any number of bills or luxuries, is a sacrifice made in the present in order to avoid a larger trouble down the road.

By Kumi SmalanskasVice President, Investment Services Program Manager

To find an INVEST representative at a branch near you, call (800) 283-2328 or visit www.Members1stInvestments.com.

YOUR RETIREMENT PLANNING PROFESSIONALS

Registered Representative of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services and certain insurance products and are not affiliated with Members 1st Investment Services or Members 1st Federal Credit Union. Products offered are: • Not NCUA insured • Not a deposit or other obligation of or guaranteed by any credit union • May lose value including the possible loss of principal amount invested. INVEST does not offer tax or legal advice.

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plet

e de

tails

incl

udin

g N

on-P

urch

ase

Entr

ies,

see

Offi

cial

Rul

es w

ww

.Vis

a.co

m/N

FLdr

eam

seas

on.

PIN

-bas

ed a

nd A

TM t

rans

actio

ns a

re n

ot

elig

ible

. Sep

tem

ber P

rize:

Aut

omat

ic e

ntrie

s m

ust b

e re

ceiv

ed b

y 11

:59:

59 P

M P

T 9/

30/1

7. M

ail-i

n en

trie

s m

ust

be p

ostm

arke

d by

9/3

0/17

and

rece

ived

by

10/1

0/17

. Oct

ober

Priz

e: A

utom

atic

ent

ries

mus

t be

rece

ived

by

11:59

:59

PM P

T 10

/31/

17. M

ail-i

n en

trie

s m

ust

be p

ostm

arke

d by

10/3

1/17

and

rec

eive

d by

11/7

/17.

Nov

embe

r Pr

ize:

Aut

omat

ic e

ntrie

s m

ust

be r

ecei

ved

by 1

1:59:

59 P

M P

T 11/

30/1

7. M

ail-i

n en

trie

s m

ust

be p

ostm

arke

d by

11/

30/1

7 an

d re

ceiv

ed b

y 12

/7/1

7. D

ecem

ber

Priz

e: A

utom

atic

ent

ries

mus

t be

rec

eive

d by

11:5

9:59

PM

PT

12/

31/1

7 in

ord

er t

o be

elig

ible

. Mai

l-in

entr

ies

mus

t be

pos

tmar

ked

by 1

2/31

/17

and

rece

ived

by

1/8/

18.

Swee

psta

kes

ends

12/3

1/17

. The

NFL

Ent

ities

hav

e no

t offe

red

or s

pons

ored

this

Sw

eeps

take

s in

any

way

.