in this issue >>>

Main: 640 South Federal Avenue

Branch: 4063A 4th Street SW

Mason City, Iowa 50401

3rd Quarter

July 2015

Credit Unions: Changing Lives Worldwide

the

square

NOW—September 27

Discounted Adventureland

Tickets for sale at both NICCU

locations. $30 per ticket

July 30

NICCU Annual Pool Party

Mason City Aquatic Center

8:30pm-10:00pm

August 21 NICCU is sponsoring Main Street

Mason City’s Friday Night Live

Event. Free to the public-

The Hepperly Band Live, River City

Street Rods Classic Car Show and

free kids activities.

September 7

Both NICCU locations are closed in

observance of Labor Day

October 12

Both NICCU locations are closed in

observance of Columbus Day

October 12-16

International Credit Union Week

October 15

International Credit Union Day Open

House 9:00am-5:00pm

October 15

Semi-Annual Shred Event

Time and Location information is

currently being finalized.

North Iowa Community Credit Union

community

Enjoy the Benefits of Your New Chip Card

hand up, not a handout," credit unions give

hardworking families a chance to take their first steps

out of poverty.

You don't have to make a trip around the world to get

the help you need. Visit North Iowa Community Credit

Union today and you'll see the true spirit of people

helping people.

North Iowa Community Credit Union recently made the transition from mag-

stripe credit cards to chip-enhanced credit cards. For now this changeover is only

on our 10.99% APR* MasterCard Credit Card, but later this year we will start to

transition our MasterCard Debit Cards as well. Chip cards are the latest in pay-

ment card technology, providing increased acceptance around the world and

heightened security. Here are just a few examples of how the chip card will

make life easier:

Use your card at millions of locations worldwide – Your chip card allows

you to pay at national and international merchants where chip cards are

the standard. In addition, the chip card has a magnetic stripe on the back,

and you can still make purchases by swiping your card at merchants that

have not yet switched to chip-enabled terminals.

Pay with confidence – Your chip card comes with enhanced security and

protection against card counterfeiting and fraud.

Continue to enjoy your favorite benefits – Your new card includes all the

benefits you received with your previous card.

If you have questions, please call the customer service number on the back of

your credit card or contact us at North Iowa Community Credit Union,

641-424-2281 or 1-888-424-2281.

As a member of North Iowa Community Credit Union

you know firsthand how credit unions benefit us here in

the U.S., but did you know that credit unions help

people all around the globe? The World Council of

Credit Unions (WOCCU), Madison, Wis., reports

nearly 57,000 credit unions in 103 countries serving

more than 207 million people.

WOCCU is a global trade association and development

agency helping credit unions and other financial

cooperatives provide people with high-quality,

affordable financial services. Worldwide, credit unions

give members life-changing opportunities for such

ventures as starting small businesses, building family

homes, and educating their children. In some countries,

members encounter their first taste of democratic

decision-making through their member-owned credit

unions.

In Bolivia, 45% of people live below the poverty line,

with extreme poverty focused in rural areas. Credit

unions have expanded into these areas—where no other

financial institutions exist—enabling residents to

borrow small amounts of money at low interest rates.

Such a microloan might help a farmer buy seeds for

planting. A credit union savings account would help

him or her save the resulting income.

In many parts of the world, people survive on less than

a dollar a day and lenders often charge interest of 100%

or more. From Antigua to Zimbabwe, by offering "a *APR is Annual Percentage Rate. No monthly fee. The annual percentage rate may vary after the account is

opened. Normal credit standards apply. Apply in person at NICCU or online at NICCU.com.

Copyright 2013-2015 Credit Union National Association Inc.

Information subject to change without notice. For use with mem-

bers of a single credit union. All other rights reserved.

Prepare to be Floored!

It's a tough choice for a homeowner: Move into a new house, or improve the one you have. It seems so easy to call

a real estate agent and arrange a showing. But your current home has something no new home can offer--equity.

Home equity is on the rise, providing homeowners a ready financing source to turn home sweet home into home

sweet dream home. On average, homeowners spend 18 months planning home improvements. It's time well spent;

some renovations pay off better than others. Bathroom and kitchen renovations provide the greatest return, between

72% and 82%. Home office remodels hold the low end at 48%.

As you plan, look beyond your house to your neighborhood. Will renovations put you in a different league--and

price range--than your neighbors? Also, keep in mind how long you'll be in your house. If you're going to fix it up

and sell in six months, you'll get all the pain of remodeling and not much gain. But if you plan to live in the house

more than three years, it makes economic sense to remodel.

With rates as low as 3% APR* for up to 10 Years you should stop and see Sharon or Jamie (Main Office) or Dan-

ielle (West Branch) at North Iowa Community Credit Union now to help you calculate your equity and discuss

your home equity loan options today. This deal won’t stick around forever!

*APR is Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary

based on creditworthiness, qualifications and collateral conditions. New money loans only, exist-

ing NICCU loans do not qualify. Sample repayment schedule: 120 monthly payments of $95.85

per $10,000 borrowed. Sample repayment schedule does not include taxes and insurance premiums.

All loans are subject to approval. Please apply in person.

Your Credit Union Leaders

Herman Meyer Chairman Mark Brosz Vice Chairman Scott Shipman President Kevin Easley Secretary

Richard Blunt Director Roger Eskildsen Director Vicky Ginder Director Frank Pearson Director Mike Shannon Director

BOARD OF DIRECTORS

MANAGEMENT TEAM

Scott

Shipman

President

Susan

Hendershot

Chief

Operating

Officer

Brian

Berg

Chief

Lending

Officer

Danielle

Pace

West

Branch

Manager

APR is Annual Percentage Rage. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. New money loans only. Only available for vehicles 2013 or newer. All loans are subject to approval.

VIRTUAL BRANCH—Our online banking tool, Virtual Branch, is easy,

convenient and secure. Keep track of direct deposit, transfer money between

checking and savings accounts, pay loans in a matter of seconds and track your

account in real-time, anytime. You can also set up email or text alerts for balance

and deposit tracking, to notify you when a check clears, to be notified if the ATM

has been used to withdraw funds or if a Point of Sale transaction has been rejected

for insufficient funds. It’s quick to set up and easy to use. Go to www.NICCU.com

and click “Sign Up For On-Line Banking!” right in the middle of the page under

the log in field. BILL PAY—Use our FREE Bill Pay service to schedule single or recurring

payments, track payment history at a glance, save money on checks and stamps,

increase your privacy as only you can access your account information, and main-

tain tighter control of your account with real-time access to your payment activity.

Be sure to use this service once a month to avoid inactivation. 3 months of inactivity

will suspend your Bill Pay services until a staff member reactivates it for you. E-STATEMENTS—With your Virtual Branch log in, your monthly statement is

safe and secure. E-Statements are FREE. You’ll receive them on the 1st of every

month instead of waiting for them to arrive in the mail around the 4th. There is no

risk of theft from your mailbox or garbage. You download and/or print when you

are ready. Available for multiple accounts under the same Virtual Branch log in. Do

your part. Go green and help to reduce unnecessary waste. Your e-Statements save

online for 6 months so if you’ll want them longer be sure to download them to your

computer. MOBILE MONEY—Did you know we have a mobile app? Go to the Google Play

store or App Store and search “Touch Banking” Follow the prompts (our Mobile

App code is “GoMobile0233”) and you’ll have access to Virtual Branch from your

phone. Did we mention it’s FREE? POP MONEY—Now you can send money to another person with only their email

address or cell phone number. Requests are made through Virtual Branch or Mobile

Money and are secure. Transactions can take up to three days and are processed

electronically. There is no fee to sign up for this service and a small fee of $0.50

per transaction will be added to the initiated party’s transaction. For more information on any of these services please visit our new, easy to use and

responsive (mobile and tablet friendly) website at www.NICCU.com. As always, if

you have any questions about any products and services we offer let us know. We

are here to help in anyway possible!