Agriculture Federal Credit Union | agfed.org | The Sheaf

The Sheaf

Your AgFed Membership Includes Exclusive Perks!Spring 2018 Edition

Get More outof your

Membership

1. HomeAdvantage: Buying or selling your home can be a stressful and confusing process. HomeAdvantage makes it easy by offering the tools and resources you need to do it all, from start to finish! Use HomeAdvantage to find your dream home and research the market. You also have access to trusted, experienced and pre-approved real estate agents so you know you can find an agent you can trust. Using HomeAdvantage can also earn you cash rewards. A typical member earns an average of $1,500; however, if you use your agent to both buy and sell, you can double that! Learn more about HomeAdvantage and calculate your rewards at https://cumortgage.mycuhomeadvantage.com/.

2. Credit Union Travel Club: As a member of AgFed you have free access to the Credit Union Travel Club. Credit Union Travel Club members can book hotels, flights and full vacation packages online with ease. You also have access to Concierge Service where experienced travel agents can book your travel for you with 24/7 support in over 140 countries and 23 languages. Sign up or learn more at http://www.cutc.com/agfed/.

3. Love My Credit Union Rewards: Through Love my Credit

Union Rewards members can receive exclusive discounts and benefits from trusted partners. You can shop over 1,500 online retailers and earn cash back. Credit union members also receive cash rewards with Sprint, Turbo Tax and ADT. Check out the website at http://www.lovemycreditunion.org/home to start saving today!

4. TruStage Insurance: Members of AgFed are eligible to apply for insurance through TruStage. TruStage offers both term and whole life insurance, AD&D, Auto, Property and Health insurance. Visit agfed.org to learn more about TruStage and to obtain a free quote or talk to a licensed agent.

5. My Virtual Strongbox: My Virtual Strongbox stores electronic copies of your most important documents on the web, through online banking. You can save copies of your will, your passport, your insurance policy - any electronic document you just can't trust other cloud providers to protect. It's backed by our multi-factor security on redundant servers with 24-hour monitoring. Best of all, you can customize it to suit your needs. Your membership gives you up to 25 MB of storage at no cost to you and if you need more space you can purchase additional storage at a minimal annual cost.

Just from being an AgFed member you have already seen the credit union difference, but did you know that your membership comes with additional perks? Read on to learn more about the complimentary products and services that AgFed offers.

Agriculture Federal Credit Union | agfed.org | The Sheaf

AgFed News

April is Youth Savings Month!To help your children get into the savings habit, start by having them cut out pictures of something they’d like to have someday and post the images where they’ll see them often. Then help them open a savings account at AgFed Credit Union. You can open an account with as little as $5.00. Encourage your child to make regular small deposits each week. Tell them their money will earn interest while it’s in their account. If they keep this routine going, they’ll quickly see their savings grow.This April, we’re celebrating Youth Savings Month. For every new Youth Savings Account opened in April, AgFed will contribute $25 to the account and provide a bag full of fun items.* We encourage you to visit a branch to open an account to start your childrensaving for their future. Visit agfed.org to find a branch near you!

83rd AgFed Annual Meeting

AgFed’s 83rd Annual Meeting is quickly approaching! We will review the previous year

and you’ll have an opportunity to meet the Board of Directors!

When: Wednesday, April 25, 2018

Where: The back of the USDA South Building Cafeteria 1400 Independence Ave., SW Washington, DC 20250

Time: 12:00 p.m.

All non-USDA employees please use the Independence Avenue, Wing 3 entrance. Proper ID is required.

Coming Soon: Financial Education Modules on Agfed.org

AgFed is thrilled to introduce an upcoming digital education initiative to power your financial learning. The program provides AgFed Members with an engaging learning experience around critical personal finance topics such as building emergency savings, mortgage education and retirement planning.Highlights of the program include:• A series of 3-10 minute, interactive learning

modules on key financial topics.• Mobile and tablet enabled so you can learn

anytime, anywhere.• Available in English and Spanish.Stay tuned for more information on this exciting program coming soon!

Credit Union Cherry Blossom Run

Come cheer on the AgFed team as we walk/run to benefit the Children's Miracle Network Hospitals

on Sunday April 8th, 2018 at the Washington Monument Grounds.

See you at the finish line!

*Promotion valid from April 2 – April 30. The All-Stars/ Young Millionaires account must be opened and funded with a minimum of $5.00, between April 2 to April 30 to qualify for the $25.00 incentive. Existing All-Star/ Young Millionaire account holders are not eligible. Memberships opened prior to promotional period do not qualify for incentive. The bonus incentive is considered as taxable income. It is the responsibility of the account holder/ guardian to report this as income to the IRS. This is a limited time offer. AgFed reserves the right to withdraw this offer at any time without advance notice. Promotional bag only available while supplies last.

Agriculture Federal Credit Union | agfed.org | The Sheaf

AgFed: Confidence in Our Future

As the 2018 Annual Meeting approaches, I reflect back on my year of service as Chairperson of the Board of Directors. It gives me great pleasure to serve the Directors, Staff and most importantly, the Members. I am proud of and humbled by the level of trust you have placed in me and my fellow Board members. I would like to take this opportunity to thank my fellow Board members for their dedicated service, commitment and passion. They have contributed greatly to the success of the Credit Union.Let me express my confidence in the leadership of the Board of Directors. Whoever will serve as Chairperson after April 25th, whether it be me or another Director, I truly believe that the Credit Union will be in great hands. I look forward to the continued success of AgFed Credit Union and serving the membership.Thank you and I wish you all the best for the coming year!

Sincerely,

Wilhelmina BrattonChairperson, AgFed Credit Union

Chairperson's Corner

Get on the road with an AgFed Auto

Loan!

Visit agfed.org to get started!

PlanningRenovations?

Visit agfed.org to learn more about Home Equity Loans.

U.S.D.A South Building - SM2 1400 Independence Ave., SW

Washington, DC 20250

24/7 Online Banking www.agfed.org

24-hour Loan by Phone (888) 451-LOAN (5626)

Mailing Address: P.O. Box 2225

Merrifield, VA 22116-9998

24-hour Member Service (202) 479-2270 (800) 368-3552

24-hour Telephone Banking A.R.T. (Audio Response Teller):

(202) 488-3130 or (800) 872-2328

Contact us - if you’re up, we’re up - 24/7 Banking Convenience Email us at members@agfed.org

EQUAL HOUSINGLENDER

(1) APR is Annual Percentage Rate. Rates effective as of 3/15/2018. Actual rate may vary as it is determined by an evaluation of credit, amount, term and other factors. Term is determined by loan amount and/ or credit evaluation. All loans are subject to credit approval. (2) APY is Annual Percentage Yield. Rate effective as of 3/15/2018 and may change at any time without advanced notice. Certain restrictions and conditons may apply. Visit www.agfed.org for current rates.

Rates