News BriefsNewsletter for Members • June 30, 2017

Free SeminarsECU offers many free seminars covering topics such as home buying and selling, retirement planning, student lending, home construction, credit score, identity theft, and other topics that may interest you. For a complete schedule of all upcoming seminars offered by ECU, please visit www.ecu.org/eventsandseminars.

Federally insured by NCUA

GET MOviNG with an ECU Auto LoanIt’s time to get out of the house and on the road! What better way to enjoy summer than with a new car…unless it’s a new car with no payment until Fall 2017! That’s right – during 2017, we can postpone your payment for up to 100 days.

At Eastman Credit Union, we offer affordable auto loans with lower rates, smaller payments, and convenient features that help you make the most of your money.

Great low rates100-day payment deferralPre-qualification available 24/7 application via web or phoneElectronic signature technology via any smart mobile device – sign your loan documents from your home or officeOn-site application at select dealers via our Dealer Direct program

Are you paying more than you should for your auto loan at another lending source? Refinance with ECU and we could save you money!

Visit www.ecu.org to apply today! Important information: Loan and payment deferral subject to approval.

Federally insured by NCUA

One Loan. One Payment.Do you have multiple student loans with varying rates financed at other financial institutions or from other sources? Wouldn’t you love the simplicity of one student loan payment at a great rate? ECU can help!

At ECU, we can consolidate your existing student loans into one loan with one payment. We’ll use a weighted average of all the rates you are currently paying on each individual loan financed elsewhere to arrive at one great rate applicable to the sum of all your outstanding student loan balances.

Simplify your life by eliminating student loan payments to multiple lenders and consolidate into one easy monthly payment today! Visit www.ecu.org to apply.

Federal Loan Consolidation: Federal student loan programs offer various repayment options, such as deferment or loan forgiveness. If you consolidate or refinance your federal loans with ECU, you will no longer be eligible to participate in these federal programs.

For more information, visit www.ed.gov.

Important Information: A copy of the most recent statement showing the current rate being paid on all loans to be consolidated must be provided. Minimum rate is 4.5%. Maximum loan amount is $90,000. Student loans financed at ECU are not eligible for this promotion. Subject to approval. Certain restrictions apply.

Do you needLESS STRESS & MORE MONEY?Then, bring all of your finances to ECU!You can even transfer accounts and apply for loans online. It’s easier than ever to move all of your business to ECU! Manage accounts from anywhere and enjoy peace of mind!Have questions? Give us a call or visit a branch!

One of the most expensive investments you’ll make is the purchase of a home. As a prospective homeowner, a mortgage loan pre-qualification is extremely beneficial in establishing how much you can borrow and the price range of homes you can afford to buy.

With a mortgage loan pre-qualification, ECU reviews your finances and estimates the maximum amount of loan for which you would qualify. Pre-qualifying for a home loan is a great first step in making sure you can afford the home you desire. Knowing how much you can afford to buy upfront saves time when you start house hunting. It’s also beneficial to your real estate agent and the seller to know you qualify for a mortgage loan and are serious about purchasing the home.

Benefits of pre-qualifying for a home loan:Saves you time and possibly money in your search for a home

Improves your negotiating power with the seller

Real estate agent will be even more motivated to work with you on your search for a home

You’ll be more likely to be given preference in case of multiple offers on the home

Once you’ve decided you’re ready to search for a new home, ECU can help you find a mortgage loan that fits your lifestyle and budget.

Contact ECU at www.ecu.org to pre-qualify for your home loan today!

Why Get a Home Loan Pre-Qualification?

CONGRESSiONAL ART CONTESTEach spring, the Congressional Institute sponsors a nationwide high school visual art competition to recognize and encourage artistic talent in the nation and in each congressional district. Eastman Chemical Company and Eastman Credit Union have sponsored this event for several years, providing gift cards for the winners and professional framing for those who placed in the competition.

ECU thanks Congressman Roe (TN) and Congressman Griffith (VA) for their support of education initiatives!

2017 Congressional Art Competition winners from Tennessee’s first district pictured with Congressman Phil Roe, Gary Tucker, ECU Senior VP Government & Business Relations, and Eastman Chemical representative Jason Meredith.

Winners were 1st place Chloe Cox from Daniel Boone High School, 2nd place Sidney Moore from Dobyns-Bennett High School, and 3rd place Stephen Muszik from Gatlinburg-Pittman High School. Honorable mentions were awarded to Pedro Rodriguez, Jr. from Morristown East High School and Colton Short from Volunteer High School.

Virginia’s ninth district winners pictured with Congressman Morgan Griffith and Gary Tucker, ECU Senior VP Government & Business Relations.

This year’s winners include 1st place Isaiah Melozzi from Salem High School, 2nd place Sienna Harrah from Harrah Homeschool Academy, and 3rd place Autumn Cox from Salem High School.

What’s Better than Receiving Rewards with Every Purchase?  Receiving EvEN MORE Rewards with Every Purchase!For a limited time, you’ll earn 1.5% rewards on all purchases you make with your ECU Visa® Platinum Preferred or Cash Rewards credit cards. That’s extra for all your purchases! Whether it’s online, in a store, or an automatic payment you’ve set up to cover a bill, you earn more rewards with ECU Visa®!

Apply for your ECU Visa® at www.ecu.org today!

For more details about ECU’s products and services, visit www.ecu.org, or call 423.229.8200 or 800.999.2328.

The Eastman Credit Union logo, ECU Online, ECU, Equity Express, It’s Your Money and Lifeline are registered service marks of Eastman Credit Union. Information in this newsletter is accurate as of date of

printing and is subject to change at any time without notice.

Not NCUA Insured Not Credit Union Guaranteed May Lose Value

Eastman Credit Union offers members access to a full range of investment programs and services through ECU Asset Management. Among the programs and services offered are:Retirement Planning College Savings Plans

Individual Retirement Accounts (IRAs) Comprehensive Financial Analysis

Mutual Funds Business Retirement Plans

Tax-deferred Annuities Stocks and Bonds Please call today for a free consultation with an ECU Asset Management Financial Consultant.William Osborne Ryan Nesseth Claude AdkinsDavid Moore Johnson City Bristol Kingsport 423.232.2073 423.578.3512 423.578.7369

Phishing: Don’t Take the BaitWhat is Phishing? This refers to email messages that appear to come from a trusted company or individual. The fraudsters want you to click on a link or open an attachment that will compromise the information housed on your computer including bank account and personal information. Hackers are notorious for stealing your personal contacts and personal information and sending emails to your friends that appear to be from you. The fraudsters want to trick you into opening the email. Emails may be disguised to be from a friend or other trusted source to entice you to click on links or attachments. When you click on one of their disguised links or attachments, your computer can become infected.

What are the warning signs?Do you recognize the email address? Even if the answer is yes, you must still proceed with caution. Are there attachments? Do you normally receive attachments from this person or business? Does the file name look strange? Does the email request any personal information? Does it ask you to send credit card or account number information or log-in or password information?Are there grammatical or punctuation errors? Does the email seem generic or vague?Are there links? If so, check the link. Mouse over the URL and see if it looks suspicious.

When in doubt, find out!Before clicking on anything, contact the person or company by another method to see if the communication is legitimate! Online resources are provided by the Federal Trade Commission on Privacy, Identity & Online Security. Visit these links to learn more. www.consumer.ftc.gov/scam-alerts www.consumer.ftc.gov/topics/privacy-identity-online-security Sources: www.ftc.gov; Intuit, Inc; Turbo Tax

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Insurance products offered through LPL Financial or its licensed affiliates.

ECU Asset Management is a brand name under which LPL Financial Representatives offer securities and insurance products

through LPL Financial to Eastman Credit Union members. Eastman Credit Union and ECU Asset Management are not

registered brokers/dealers and are not affiliates of LPL Financial.