deCU Bi-ANNUAl NeWsleTTer • FAll 2017

217-875-2301

800-542-6474 (outside Decatur)

loCations:

dividend2600 E. Dividend Drive, Decatur

Forsyth 260 W. Marion Avenue, Forsyth

Mt. Zion4855 Aldi Drive, Decatur

1st Community550 N. Edward Street, DecaturDriVe-up faCilitY

earthmover

Whether it is the first or twenty-first car you’re considering, it’s good to have a partner in theprocess. At Earthmover Credit Union we not only offer low rates, we have several tools availableonline to assist you in the process of purchasing your next vehicle. Use the AUTOSmart link toshop and compare costs on both new and used vehicles, click on the Calculator to estimatewhat your payments will be, and use the NADA Guide link to find out what your current caris worth.

Our growing Indirect Dealership Network helps make us more available to you.Dealerships can process your Earthmover loan right in their office. All the paperwork isdone behind the scenes and can be signed electronically by email, including duringevening and weekend hours when the credit union is closed.

Still have questions? Stop in and talk to a loan officer. Our experienced staff ishere for you and will not only equip you with the knowledge you’ll need tonegotiate the best deal, but will do all they can to make your car-buyingexperience fast, convenient, and seamless.

So, if you’re thinking new 2018 convertible or used (new-to-you)SUV – perfect for tailgating with friends and family, let’s partner-up!The right vehicle paired with the right loan... it doesn’t get anybetter than that!

Visit decu.com to apply online today!

new or new-to-You Vehicle!Partner-Up with deCU for your next Vehicle loan

Angie Manns is the Director of the DECUIndirect Lending Program. Earthmover recentlyadded several auto dealerships in the surroundingcounties to our lending program. And beginning inOctober, non-members will be able to join the creditunion at the dealership before getting their car loan.DECU continues to expand our family ofdealerships, to bring you even more buying options.

Meet angie Manns

...at DECUWhy do over 231 million people world -

wide choose credit unions? Because creditunions have a “people-first” philosophy that impels them to

constantly improve the communities and lives of their members. As cooperativeand democratic financial institutions, credit unions’ success depends on thesuccess of their members and their community. Your best interest is in our bestinterest. This year’s theme, “Dreams Thrive Here,” celebrates how credit unionand other financial cooperatives serve as catalysts to make different professions,personal choices and career paths real. On Thursday, October 19, DecaturEarthmover Credit Union will join more than 68,000 credit unions from 109countries and their 231 million members to celebrate International Credit UnionDay®. At our Mt. Zion branch from 3 p.m. – 5 p.m., DECU will give the first40 kids the $25 initial deposit to open a savings account. Each child will needtheir social security card.

Credit unions strive to make the world a better place for their members byoffering affordable rates and high quality service that simplify their lives andempower them to meet their financial goals. Visit decu.com to learn more aboutInternational Credit Union Day and how credit unions fuel a force of globalgood. Dreams truly do thrive at DECU!

DECU is Expanding To better serve our members and continue

strong growth, DECU has expanded itsservices to everyone who lives or works inChristian, Sangamon, Logan, McLean,and Champaign Counties. In addition toMacon, DeWitt, Piatt, Moultrie, andShelby Counties that brings us up to 10counties.

While we don’t currently have plans toopen additional offices, we will nolonger have to turn people away whowant to do business with us. Memberscan do many things on our website andwith online banking.

online BankingStudies show that approximately 89% of

people manage their finances online. It’scost effective, time efficient, and paperless,so it’s even kind to the environment!Online banking at DECU gives you thefreedom to take care of business when youneed to – 24/7 access no matter where youare and on whatever device is convenient,be it your computer, phone, tablet, glasses,watch and who knows what’s next.

While you’re at it you may as well pay yourbills online, too.

If you pay your bills by going to eachcompany’s website, it might be easier toschedule them all when you’re in onlinebanking with online bill pay. Schedule billsto be automatically paid by the due dateand view your schedule at a glance.

Whether you need to check yourbalance, deposit a check, transfer money orpay your bills, sign up for DECU onlinebanking today. It’s super easy! Go towww.decu.com/online-banking, follow theinstructions and you will be literally 2 clicksaway from making your life a whole lotsimpler. DECU... we are where you are!

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Platinum VISA With the holidays fast approaching, if you

don’t have a DECU Platinum Visa card, nowis the perfect time to apply. As an Earth -mover Platinum Visa cardholder you havetwo reward options – 1.) A cash back rebateof 1% of purchases (up to a $500 rebate peryear) with an annual percentage rate from8.9% to 16.9% OR 2.) A 1% lower annualpercentage rate ranging from 7.9% to 15.9%.You choose the reward that best fits the wayyou use your card. But regardless of whichreward you choose, you'll receive manybenefits with your Platinum Visa card:• No Annual Fee• 25-day grace period on purchases• Minimal monthly payment• Auto Rental Coverage• Acceptance around the world• Cash advances for quick funds• Easy transfer of other credit card balances• eStatements and online account access.

Visit decu.com to apply online or for moreinformation on the many benefits of being anEarthmover Platinum Visa cardholder!

protect YourselfHelp protect yourself from identity theft by

signing up (online or at a branch near you)for pre-authorization alerts on both yourdebit and credit card. Get a text or emaileach time your account is used so you canstop thieves before they rack up a lot ofpurchases with your card.

Skip-A-Pay Pick 2!There are certain times of the year you

could probally use some extra cash like a longawaited vacation, kids going back to school,or the holidays. That's why we offer the Skip-A-Pay program.

As long as your account is in goodstanding, you can pick one or two monthseach calendar year to skip your personal loanor car payment for a fee. A portion of theSkip-A-Payment fee goes to support localcharities.

For program details and to fill out a form,visit www.decu.com/skip-a-pay or stop byone of our four branches.

upcomingEducational Seminars

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a Clear Direction on the road to retirementTuesday, October 24, 6 p.m. at The Decatur ClubPresented by: Mike Mason, CUNA Mutual Financial Group

Plan your retirement income today to meet your goals tomorrow. At thisseminar, learn strategies that will help you start building your retirement incomeplan. You’ll learn answers to questions such as:

• How do I get the most from Social Security and my pension or 401(k)?• How should I invest to generate income during my retirement?• How can I make sure that I can meet my health care needs?• What sources of income should I draw upon and when?

savvy Women, smartinvestorsWednesday, November 8, 6 p.m. at The Decatur ClubPresented by: Massachusetts Financial Services

Ladies, take charge of your financial future.At this seminar, we’ll discuss the unique financialpressures women face today. Subjects include:

• Balancing your goals with your current needs• Caring for aging parents• Education and Retirement planning.

These no-cost, no-obligation seminars will be hosted by Phil Cruikshank, Earth moverInvestment and Retire ment Services Repre sent ative*. Phillip is experienced at help ingpeople to, and through, retire ment. Reservations: 872-4110.

MEMBERS Insurance & Investments and MEMBERS are marketing names for the products, services andprograms offered by CMFG Life Insurance Company (CMFG Life), MEMBERS Life Insurance Company(MEMBERS Life) and other leading carriers. MEMBERS® is a registered trademark of CMFG Life. CUNAMutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company,its subsidiaries and affiliates.Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, aregistered broker/ dealer and investment advisor. CBSI is under contract with the financial institution to make

securities available to members. Not NCUA/ NCUSIF/FDIC insured,may lose value, no financial institution guarantee. Not a deposit of anyfinancial institution.

*Representatives are registered, securities are sold and investmentadvisory services offered through CUNA Brokerage Services, Inc.(CBSI), member FINRA/SIPC, a registered broker/dealer andinvestment advisor, 2000 Heritage Way, Waverly, IA 50677,866.512.6109. Nondeposit invest ment and insurance products are notfederally insured, involve investment risk, may lose value and are notobligations of or guaranteed by the financial institution. CBSI is undercontract with the financial institution, through the financial servicesprogram, to make securities available to members. MassachusettsFinancial Services is not affiliated in any way to CUNA BrokerageServices, Inc. or it’s representatives.

RP-1895255.1-0917-0117

phil Cruikshank

Christmas ClubaccountOn November 1, we willdeposit the balance ofyour Christmas Clubaccount, including yourdividends, into yoursavings. The accountwill start over with yournext deposit.

Congratulations...And Best Wishes to the following employees whorecently tied the knot or welcomed new babies intotheir families:

Rachel Coleman (Financial Services Representativeat the Call Center) married Adam Gensler on

March 11, 2017.

Jes Younghouse (Business Develop mentRepresentative) and husband, Kurt,

welcomed baby girl, Lincoln AnnMarie,on June 5, 2017.

Check out our BlogWith all the decisions you need tomake, sometimes a little extra tidbitof infor mation could make all thedifference. Whether you are research -

ing the best way to sell your home,newlyweds wondering whether to

combine your finances, or just need a fewtailgating tips, you’ll find the answers and/or

solutions you’re looking for and so much more!

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Dividend ratesRates on Regular Accounts, IRA Accounts, Share Certificates andLoans are available by phone. Dividends on all accounts are calculatedon the daily balance and posted on the last day of the month.

Your savings federally insured to at least $250,000 and backed by thefull faith and credit of the United States Government. Each accountis insured up to an additional $250,000 through ASI’s excess shareinsurance.

Member report:as of 7/31/17

Assets . . . . . . . . . . . . . $262,959,919Loans . . . . . . . . . . . . . . $122,631,090Shares . . . . . . . . . . . . . $236,107,873Reserves . . . . . . . . . . . . $23,733,271Members . . . . . . . . . . . . . . . . . 23,783

Next Chapter for dale Dale Nihiser, long-time Financial Services Representative at ourDividend and Mt. Zion branches retired from DECU on the 1st ofFebruary, 2017. Congratulations to Dale and many, many thanks for theyears of service and dedication to Earthmover Credit Union. As you enterthis chapter of your life, please know you will be missed! Enjoy!

same-day Transactions Be aware that Same-Day ACH Debits became effective September 15,2017. This means any payments made by check, telephone or internetcould clear your account on the same day you write a checkor authorize a transaction.

Branch Hours

Lobby Hours (All Branches): Monday – Friday 9 a.m. to 5 p.m.Saturday 8 a.m. to 12 p.m.

Drive-Up Hours:Mt. Zion & 1st CommunityMon. – Thurs. 8 a.m. to 5:30 p.m.Friday 7:30 a.m. to 5:30 p.m.Saturday 8 a.m. to 1 p.m.

Dividend & ForsythMon. – Thurs. 8 a.m. to 5:30 p.m.Friday 7:30 a.m. to 5:30 p.m. Saturday 8 a.m. to 12 p.m.

Memos to MembersFrom: Barry Schmidt, President

Announcements

Call Center Hours

Monday – Friday 8:00 a.m. – 5:30 p.m.Saturday 8:00 a.m. – noon

217-875-2301 or 800-542-6474

Columbus Day – Monday, October 9Veterans’ Day – Saturday, November 11

Thanksgiving Day – Thursday, November 23Christmas Day – Monday, December 25New Year’s Day – Monday, January 1, 2018MLK Day – Monday, January 15, 2018

Presidents’ Day – Monday, February 19, 2018

Decatur Earthmover Credit Union Will Be Closed

Holiday Hours