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Great ReturnsNews for our member owners April 2018

IMPORTANT DATES

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Saturday, April 28, 2018 Annual Meeting & Dinner

Frontier Fire Hall

Monday, May 28th, 2018 Memorial Day - CLOSED

Wednesday, July 4th, 2018

Independence Day - CLOSED

Wed. August 1st - Sun. August 5th Niagara County Fair

Check out our booth!

August 27th, 2018 Annual Charity Golf Outing See page 2 for more info

Mobile App

Locations available at: www.niagaraschoice.org

We are going paperless!

Starting in July, our quarterly Newsletter will only be available on our website.

If you would like to be notified when the newsletter is ready please sign up on our home

page.

It’s easy to do:1. Go to www.niagaraschoice.org2. Click on “Newsletter Sign up”

(Underneath online banking login)3. Enter your email address and hit “Sign Up”

You will receive an email once the newsletter has been posted to our site!

All past, present, and future newsletters can be found by entering this link:

https://niagaraschoice.org/resources/newsletters

3 Easy Steps:

1. Login to Online Banking

2. Click on the

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3. Choose loan application

LOAN SALE

Vacation

Education

Home Improvements

TAKE ADVANTAGE OF THE EQUITY IN YOUR HOME!

Rates as low as 3.85% APR*

NOT A HOMEOWNER? NO EQUITY? LOOKING FOR A SPRING RESET?

Borrow $5,000 for up to 60 month. PAYMENTS AS LOW AS $98.97 PER

MONTH**

* Promotional Rate. Loan eligibility and membership in good standing required. Annual Percentage Rate. Interest Rate and annual percentage rate (APR) may vary based on credit worthiness, loan to value ratio under 85% and owner occupancy. Other rates and terms may

apply. Monthly loan payment example: a $20,000 loan at 4.15% for 120 months, with no additional payment protection, would be $203.92. Rates accurate as of 3/1/2018 and subject

to change without notice. Published rates are for new Niagara’s Choice FCU Loans only.

** Promotional Rate. Loan eligibility and membership in good standing required. Annual Percentage Rate. Rate listed assumes credit worthiness. Other rates and terms may apply. Monthly loan payment example: a $5,000 loan at 6.99% for 60 months, with no additional

payment protection, would be $98.97. Rates accurate as of 3/1/2018 and subject to change without notice. Published rates are for new Niagara’s Choice FCU Loans only.

4th Annual CharityGolf Outing

When: Monday August 27th11am Start

Where: Niagara FrontierCountry Club

Youngstown, NY

More details to follow!

MARK YOUR CALENDARS!

Interested in a loan?

Employee Spotlight

Mary Anne PayneYears of Service: 12

Position: Member Service Representative Why do you like working for Niagara’s Choice?: I like working at Niagara’s Choice because I like working with the members and enjoy helping them out. We also have a great staff to work with.

Favorite memory at Niagara’s Choice: The day I was made a Member Service Rep! Your hobbies outside of work?: Cooking, shopping, and spending time with my son.

Raj KapoorYears of Service: 12

Position: Staff Accountant Why do you like working for Niagara’s Choice?: I got my first break when I started at Niagara’s Choice. I was unemployed and was dealing with personal issues. I heard so many good things about the credit union and its employees and CEO. Everything was true and I am glad to be here. The credit union has grown and I love my job. Favorite memory at Niagara’s Choice: Having cooking classes with co-workers. Your hobbies outside of work?: Cross Country Skiing, Oil Painting on canvas, Swimming, Bike riding, and Cooking.

April is Credit Union Youth Month!

All members ages 0 to 16 are entered to win a Family Membership to the Buffalo Museum

of Science.

Every Deposit of $5 or more increases your chances of winning!

Ask a representive for more details!

1: Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2018 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In Value is not available for customer’s vehicle, Enterprise will provide a fair & competitive value for customer’s vehicle. Additional trade-in value of $500 is available only on passenger vehicles and light duty trucks with a Kelley Blue Book Trade-In Value & when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration & all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. See a Sales Consultant for details. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA and Washington D.C. Offer valid 04/01/18–04/30/2018. No cash advances. Offer cannot be combined. Not valid on previous purchases. Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. Photo for illustration only. The “e” logo & Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2018 Enterprise Car Sales.

Madeline C Habuda Mary K Crooks

MaryLou Shewan Michael C Russo Michael Crooks Michael S Butry

Michalene M Harbridge

Jacob T Abrey Jeffery Bernhard

Jerzy Kieres John E Kendzie

John Ferritt Kelly A Farewell

Lynette A Maggard

Deborah A Hicks Dominic J Notarianni Duane W Zastrow

Emily R Carr Eric Cassick

Ginelle R Husted Henrietta Ingham

Nicholas Occhipinti Ronald L Martin

Stephane R Moore Steven P Dinieri Thomas A Abrey Tremell R Jordan

Verne F Hout

Aishah L Mulkey Amado F Abaya

Brian McDonough Caleb Thiele

Christopher J Cheff David Everett

Dawn H Brimmer

Rate Board

2017-2018 BOARD OF DIRECTORS AND VOLUNTEERSGerard Petito - President Margo Hall - Vice PresidentPat McCune - TreasurerPeter Eodice - Secretary Thomas Culbreth Anthony Dell’IsolaWallace GawoskiPaul MontaniPaul Roman COMMITTEE MEMBERS Jos eph Cr imi Michael DelGobbo Nancy Kasprzak-Whitmore Sharon Luskin Scott Medole Mary E. Smith

BRANCH INFOMAIN OFFICE3619 Packard Road, Niagara Falls Lobby & Drive ThruMonday - Wednesday 8:30am - 5:00pmThursday - Friday 8:30am - 5:30pmSaturday 8:30am - 12:00pm24hr Drive-Up ATMPhone (716) 284-4110

LOCKPORT260 West Avenue, Lockport Lobby & Drive Thru Monday - Wednesday 8:30am - 5:00pm Thursday - Friday 8:30am - 5:30pmSaturday 8:30am - 12:00 pm 24hr Drive-Up ATM Phone (716) 434-4180 N. TONAWANDA 3577 Niagara Falls Blvd., North Tonawanda Lobby & Drive ThruMonday - Wednesday 8:30am - 5:00pmThursday - Friday 8:30am - 5:30pmSaturday 8:30am - 12:00pm24hr Drive-Up ATMPhone (716) 693-5140

SAWYER DRIVE 2131 Sawyer Drive, Wheatfield Lobby & Drive ThruMonday - Wednesday 8:30am - 5:00pmThursday - Friday 8:30am - 5:30pm24hr Walk-Up ATMPhone (716) 923-1466 NIAGARA FALLS 900 Main Street, Niagara Falls Lobby & Drive Thru Monday–Friday 9:00am - 5:00pm 24hr Drive-Up ATM Phone (716) 434-4180 www.niagaraschoice.org mailbox@niagaraschoice.org Telephone Banking System (716) 284-6747 (716) 434-4180 opt 4

LOAN RATES New and Used Vehicles Rates as low as 1.60% APR*(Terms up to 84 months. Rates are based on credit rating and vehicle year.) Personal & Signature Loans Rates as low as 8.00% APR* Home Equity Line of Credit Rates as low as prime +0% APR Home Equity Loan Rates as low as 4.00% APR All loan rates based on your credit history and the term you choose. * These rates reflect a .25% APR discount that is applied when payments are made w/AutoPay.

Rates current as of 04/01/2018 but subject to change relative to market conditions. Call for the most up-to-date rates. Rates have been projected by the Board of Directors based on a forecast of income and available funds to declare a dividend. *Dividend rates compounded daily and credited quarterly to all types of share accounts. A min $250.00 balance is required on all but Youth accounts to earn a dividend. **Minimum certificate deposit is $500. Certain penalties apply if funds are withdrawn prior to certificate maturity.

MASTERCARD Rates range from 8.90% APR to 15.00% APR based on credit history. No Annual Fee. DEPOSIT RATES* RATE APYRegular Savings .05% .05%

IRA Savings .15% .15%

Club Savings .05% .05%

Certificates** 3-Month .10% .10%

6-Month .10% .10%

12-Month .10% .10%

24-Month .10% .10%

36-Month .25% .25%

48-Month .50% .501%

60-Month .75% .753%

Thank A VetNiagara’s Choice offers a 1% discount on auto, and personal loans to all Niagara County Thank A Vet members!Please be sure to bring your Niagara County Thank A Vet photo ID card.

Notice of Abandoned PropertyThe members listed here have not had any activity and their accounts are considered

abandoned under New York state law. We have been unsuccessful in trying to contact them.

According to New York State’s Abandoned Property Law, accounts that have had no activity for a period of one year are considered dormant. Accounts that have no activity for three years

are considered abandoned.

The quarterly posting of dividends is not considered activity according to this law. Consequently, all financial institutions in New York are required to remit abandoned funds to

the State of New York Taxation and Finance Department.

If you know how we can reach any of these individuals, please call Denise Morreale at (716) 284-4110 x204.