HappeningsOPEN TO EVERYONE IN FRANKLIN, FAIRFI ELD, DELAWARE, PICKAWAY, MADISON, MORROW, LICKING, AND UNION COUNTIES.

O C T O B E R 2 0 1 8

Inside thisissue:

A First Service Federal Credit Union Publication for the Financial Advantage of Its Membership

Columbus | Grove City | Groveport | Hilliard | Reynoldsburg | 614.836.0100 | AnyHour Loan 1.800.495.0981 | FirstConnect 614.920.6300 | www.firstcu.com

SCORE BIG $AVING$ at Your Credit Union

GAIN YARDAGEwith a First Service Checking Account…It’s only $25 to open your checking account. FirstService Checking accounts come with convenient e-Services options and a network of Free ATMs.*

All checking services on approved credit. For checking account options, visit www.firstcu.com or call 614-836-0100. *Free ATMs are located at all First Service branch locations. Fees are waived for First Service Debit Card and ATM cashwithdrawals at all Fifth Third owned machines (ATMs located in Speedway locations are excluded from this free service.)

SCORE A TOUCHDOWNby using the First Service FCU Mobile& MobiMoney App!The First Service FCU Mobile app was designed tofit your busy schedule – with account informationavailable at the touch of a screen, whenever youneed it.

MobiMoney is the essential tool you’ll needto keep your debit card secure from fraud.You decide when, where, and how your

card is used – all from your mobile phone.

KICK OFFwith the Consolidation Loan Special!Consolidate all your credit cards into one easypayment; and pay off double-digit variable interestrates with a Consolidation Loan.

• Fixed Rates as low as 6.99% with a 7.40% APR*

• Terms to 60 months• Fixed payment for easy budgeting• No application fee

Download both apps for Free in the App Store on iTunes or Google Play Store. Standard text messaging and datacharges from your mobile carrier may apply.

Don’t stand on the sidelines, get into the game today!

Rush into your nearest First Service office to findout how you can take advantage of these winningservices.

C o n s o l i d a t i o nL o a n s t o L o w e r

Yo u r Pa y m e n t

S h a r e C e r t i f i c a t e s

L o v e M y C r e d i t U n i o n

R e w a r d s

Yo u t h A c c o u n t s

H o l i d a y C l u b

T r a n s f e r s|||||

All loans on approved credit. Offers do not apply to loans already financed at First Service. Current rates, terms,and offers are subject to change or withdrawal. Rates may vary according to credit qualifications. $99 loanprocessing fee or $74 with a FirstChoice Checking Account. No other discounts apply. Other rates and terms maybe available. *Payment example based on a credit score of 720 or higher with all other credit qualifications met:$10,000 consolidation loan at 6.99% rate with a 60 month repayment term and $99 loan processing fee, wouldhave a 7.40% APR and a monthly payment of $200.55 with total payments of $12,032.50.

SCOREa Great Rate with ourShare CertificatesShare Certificates are a great way to build your savings.Come in to your neighborhood branch to speak with amember service representative about your savingsneeds. They can help you find the certificate that is rightfor you. You can also go online to view curren t rates andterms at www.firstcu.com.

First Service offers a variety of Share Certificate optionsthat allow you to invest funds over an extended, fixedperiod-of-time, with terms from three months to fiveyears. It’s a simple way to boost your savings andprepare for your financial future. A JUMP Certificate witha one-time jump my rate option is also available.

Putting Our Community… FIRST!

Be sure to “Like” the First Service Foundation on Facebookto stay informed about how your credit union is givingback to the community! You can also help by designating the First ServiceFoundation as the charity of your choice for the KrogerCommunity Rewards program. You can register online atkrogercommunityrewards.com. Simply register yourKroger Plus card with the First Service Foundation (search NPO# AY377).

An Opportunity TO SERVE

If you are interested in volunteering to serve on your creditunion’s Board of Directors or Supervisory Committee, pleasesend a letter of interest that includes a brief resume of yourbackground to:

Nominating Committee ChairpersonFirst Service Federal Credit Union100 Main StreetGroveport, OH 43125

Resumes should be received no later than October 30th forconsideration by the Nominating Committee for the 2019Annual Elections. The Nominating Committee will meetduring November to consider all resumes of membersinterested in serving.

Holiday Closings:Mon., Oct. 8th • Columbus Day

Mon., Nov. 12th • Veterans Day ObservedThurs., Nov. 22nd • Thanksgiving Day

Mon., Dec. 24th • Offices closing at Noonon Christmas Eve

Tues., Dec. 25th • Christmas DayJan. 1, 2019 • New Year’s DayFirstCU Online, Mobile Banking, FirstConnect, BillPay,

Debit Cards and our ATMs will be available.

Did you know about Relationship Rewards?

Ten basis points (.10) are added to regular certificate rates when the memberhas an active First Service loan balance,

a First Service checking account, or is a Prime Time Club member,

for a maximum of thirty (.30) additional bonus points.

Relationship Rewards bonus points are not available on special promotions, zero-balance loans, or JUMP Certificates.

Penalties for early withdrawals are available in our Truth in Savings brochure and may reduce earnings.

Your credit union remains committed to helping youth achieve a lifetime of financial success byproviding online resources, starter accounts, special events, and more!

The Dollar Dog Kids Club helps kids learn to save and managemoney. It’s a perfect way to teach kids 12 and younger the valueof saving money on a regular basis. Dollar Dog Accounts can be opened with only $5.

Programs for teens and young adults are also available. You can learn more online atwww.firstcu.com or stop in any branch office to speak to a Member Service Representative.Dollar Dog and Youth Accounts require a joint account with an adult signer and acceptable identification.

Golf Fundraiser Benefits NationwideChildren’s Hospital First Service Federal Credit Union held its Golf for Kids Charity Golf Outing on Monday,June 25th at the Pinnacle Golf Club in GroveCity.  Through this effort, and the generosity ofits golfers and sponsors, the Foundation wasable to present Nationwide Children’s Hospitalwith a check for $10,417 for the kids!

SAVING ON THE PRODUCTS AND SERVICES YOU USE EVERY DAY IS EASY WITH LOVE MY CREDIT UNION REWARDS. AS A FIRST SERVICE MEMBER, YOU CAN GET DISCOUNTS AND REWARDS THAT INCLUDE:

❤ Get a $100 cash reward with each new line you activate, up to 3 lines. Plus, get a $50 cash reward every year for as long as you are a Sprint!® customer.

❤ Up to $15 off TurboTax® federal products!❤ Get an exclusive smoke communicator and a $100 gift card with a new ADT® monitored home security system.

You must call 844-703-0123 to receive this special offer through the Love My Credit Union Rewards Program.❤ Cash back at over 1,500 online retailers with Love to Shop.Sign up now and join the credit union members who have saved nearly $2 billion in discounts.Sign up now at www.firstcu.com or LoveMyCreditUnion.org today!*Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Rewards Offers: Avail. for eligible credit union members and member employees with qualifying corp. id. (ongoing verification). $100 cash reward for each new smartphone lineact. up to 3 lines. Req. activation at point of sale. Excludes CL, MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. Noadd’l. discounts appy. Loyalty Reward: $50/line/yr. Cash Reward up to 3 lines when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $50 Cash Reward for upto 3 smartphone lines transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited toyour Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards and click on “Cash Rewards Tracker.” Other Terms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinablewith other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2018 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint.Other marks are the property of their respective owners.

There’s a Lot to Like About Youth Accounts

How to Reach Us614-836-0100 • www.firstcu.comFirstConnect: 614-920-6300AnyHour Loan: 800-495-0981Fax: 614-836-4578Lobby HoursMonday - Thursday..................................9:00 am – 5:00 pmGroveport Lobby ....................................9:00 am – 4:30 pmFriday ......................................................9:00 am – 6:00 pmSaturday..................................................9:00 am – 1:00 pmDrive Thru HoursMonday - Thursday..................................8:30 am – 5:00 pmFriday ......................................................8:30 am – 6:00 pmSaturday..................................................8:30 am – 1:00 pmGROVEPORT100 Main St • Groveport, Ohio 43125GROVE CITYGeorgesville Square • 1660 Holt Rd • Columbus, OH 43228REYNOLDSBURG7610 E. Main St • Reynoldsburg, OH 43068HILLIARD2164 Hilliard Rome Rd • Hilliard, OH 43026Nationwide Childrens Hospital255 Main St • Columbus, OH 43215Phone: (614) 355-0590 • Fax: (614) 355-0595Lobby Hours: 7:30 a.m. - 4:00 p.m. (Monday - Friday)ATM ServicesFree ATMs are located at all branch locations. Cash withdrawalsare free at U.S. Bank branches and Fifth Third Bank ATMs(other than Speedway locations).FirstCU Online Account Access – www.firstcu.comAccount InformationMembership Account: To participate in member services, a minimum$5 share savings account balance must be maintained formembership.You must maintain a minimum daily balance of $5.00 in your accounteach day to obtain the disclosed annual percentage yield.Relationship Account: A $5.00 monthly fee is assessed on accountsthat have been opened more than 6 months with a balance lower than$250 and no other relationships such as checking, loan, e-statements,or direct deposit on this account.Dormant/Inactive Account: A $5.00 monthly dormant fee is assessedon accounts that have had no activity other than dividends for twoyears. These accounts are transferred to the State of Ohio after fiveyears of inactivity.Charges: Usage charges apply to some services and are subject tochange. A current Fees and Charges Schedule is available uponrequest.Funds Availability: Some check deposits may not be available forimmediate withdrawal. A disclosure of funds availability is availableupon request.Cash Withdrawals: Member cash transactions are limited to $1,500 incurrency. Larger amounts must be requested in advance.Patriot ActThe purpose of the USA Patriot Act is to help protect you, your familyand our country from terrorism by providing appropriate tools tointercept and obstruct terrorist acts. In compliance, the credit unionverifies the identity of members and those doing business with us.These documents are required for all new accounts, for existingmembers who are adding an account, when adding a signatory to anaccount, when executing loan documents, and when doing businesswith us. We thank you for your understanding as we work to supportthese efforts to maintain the security of our country.© The material in this publication is copyrighted by First Service Federal CreditUnion. All rights reserved. Material may not be reproduced without writtenpermission from First Service Federal Credit Union.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS #412995

Happenings is published to keep our members informed of the activities of their credit union and productsand services available. Any advice offered here is for general guidance only.All loans are on-approved-credit based on current lending criteria. Rates and terms are subject to change fromthe time of this publication. We suggest you consult your tax advisor for deductibility of home loan interest.Dividends are subject to change by the Board of Directors. Call for current rates, fees and terms. Refer toyour “Important Account Information for Our Members” brochure for specific rules and fees that governFirst Service accounts.Programs, promotions and offers may be changed or withdrawn at any time.

Holiday Club Transfer TimeReady, Set, SHOP!

Transfers from your Holiday Club Account to your savings orchecking option will be made available on October 15th, so you can get a head start on your plans for the holidays!

To increase your holiday savings, withdrawals are not allowed from the Holiday Club Account during the year.

Need extra money for holiday expenses?

Apply for a Holiday Helper Loan onlineat www.firstcu.com or call 614-836-0100for additional information.

All loans on approved credit. Maximum term for Holiday Helper Loan is 12 m onths.