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Auto LoanIndirect LendingAuto RefinancesSpring Things loan

Page 6Annual MeetingBusiness LendingHoliday Closings

Page 5Credit CardsScoreCard Reward PointsMembers Insurance Services

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Shred-It EventseStatements1st Mortgages

Spring 2019IN

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www.mhcu.org

April is Youth Month! Let’s Celebrate!

See page 2 for details.

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Youth MonthMobiMoneyHealth Savings Accounts

* APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. 5-20 year terms available. Minimum loan amount = $5,000. MHCU refinances require an additional $2,500 in new financing. Excludes title insurance expenses, if applicable. Proof of homeowners insurance is due at closing. Member saves an average of $125-$450 on closing costs throughout this promotion. MHCU is an equal housing lender. Promotion is valid in Kentucky and Indiana, only. Drawing will occur in May, June and July for previous month’s booked loans. No purchase necessary to be entered into drawing. To enter, send in your name, address and phone number to MHCU, Attn: Marketing, 440 Park Place, Lexington, KY 40511. Promotion effective 4/1/19-6/30/19.

** Consult your tax advisor regarding potential tax benefits on interest paid.

Home Improvements? Debt Consolidation? YOUR HOME EQUITY CAN HELP!

Looking to renovate your home or consolidate debt? A home equity line of credit (HELOC) or 2nd Mortgage can help you leverage your home’s value.

No Closing Costs on Home Equity Lines of Credit and 2nd Mortgages!

No Fees! Low, Variable Rates!* Potential Tax Savings!**

Apply online at www.mhcu.org or call 859-259-3466 or 800-359-3466.

This offer ends June 30!

You could win a $500 Lowe’s Gift

Card!

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Celebrating Youth Month!

Our young members have limitless potential and starting a financial education early on can be instrumental in helping them achieve it.

Help us celebrate National Credit Union Youth Month this April! New membership youth accounts opened in April will receive a $10 deposit from MHCU.

With the theme, ‘The future is yours ... Picture it! Save for it! Share It!’ we’re encouraging our young members to express themselves through pictures, sharing their vision for their own financial futures so we can help them get there. By staying true to credit union philosophy in an engaging new way, we can set our young members on the path to financial education, understanding and security.

Share your vision for your financial future on Instagram or FB with #MembersHeritage and be entered to win a $50 drawing! (5 winners will be drawn.)* Account must be opened in child’s name. New Share Savings account requires a minimum $5 deposit. Child’s Social Security card must be presented when account is opened. To qualify for the $10 deposit as a new membership account, you must be a new member to the credit union which does not include additional or secondary accounts opened by current members.

MobiMoney

Consistent control. Constantly secure.

VMB006 04.16©2016, Vantiv, LLC.

All rights reserved

Put your card and your phone together, and you have MobiMoney™, the mobile app to manage your card anywhere, anytime. From spending limits to transaction alerts, MobiMoney™ comes with card controls to help keep your money safe.

Members Heritage Credit Union 859.259.3466www.mhcu.orgNow Offering Health Savings Accounts!

What is a HSA?A tax favored savings account used to pay medical expenses.

• Contributions are deductible, just like an IRA.• Withdrawals are not taxed when used to pay qualified

medical expenses.• Interest earnings are tax deferred, and tax free if used to pay

qualified medical expenses.

How do I know if my current health plan is HSA qualified?The plan must a High Deductible Health Plan (HDHP). Contact your insurance provider or talk to your employer if you have an employer sponsored health plan.

What are “qualified” medical expenses for a HSA?Check out IRS.gov for a list of items

Already have a HSA somewhere else?You may transfer or rollover your HSA to Members Heritage!

For more information and to open your HSA today, contact us at 859-259-3466.

3

Have a Car Loan with Someone Else?

We may be able to save you money. Refinance your car loan with Members Heritage and receive $150! First payment not due for 60 days.** $10,000 Minimum loan amount. Does not include in-house refinances.

Enter to

Win $100

Cash!

Drive Home Serious Savings

Check out our Always Low Auto Loan Rates!

No promotion dates. No expiration. Repayment terms are flexible 100% financing available

You could win a Car Care Package (valued at $200) including an oil change, car detailing and a $25 gas card!* This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Your rate may be higher based on your credit history. In-house refinances require an additional $500 in new money. No purchase necessary to be entered to win drawing. Contact us for other cost saving discounts on your auto loan!

$pring Thing$ Loan

At MHCU, our Spring Things Loan is like a breath of fresh air! Borrow up to $2,500 for a

great low rate. And, you have 12 months to repay.

Apply Today! You could win $100 cash!

www.mhcu.org 859-259-3466

Get Your MHCU Car Loan at the Dealership

MHCU’s Indirect Lending Program, Easy as 1-2-3!

1 Find your dream car2 Finance it directly on the lot3 Drive away same day!

Simply tell the salesperson that you are a Members Heritage member, and you want your loan with us – no need for a special trip to the credit union. Indirect dealers can even open new accounts, so your family may also be eligible for our financing. For a list of participating dealerships close to you, go to www.mhcu.org. Or give us a call at 859-259-3466.

* APR = Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates are subject to approval. Your rate may be higher based on your credit history. Drawing will occur in May and June after promotion ends. No purchase necessary. One entry per person. You may write your name and full mailing address, email address and phone number on a 3”x5” index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY 40511. $pring Thing$ Loan available until 5/31/19.

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Save the Environment. Sign Up for FREE eStatements!

Sign up for eStatements in April and receive a $10 deposit into your account!

Benefits include:

Convenience – Access your eStatement anytime. Security – Your eStatement is protected by the latest security measures. Privacy – Your eStatement notice is sent directly to your email address. Flexibility – Ability to print a paper copy or to save to your personal computer. Statement Archive – Statements are archived for 18 months. And eStatements are FREE!

Go to www.mhcu.org and sign up today or stop by any of our convenient locations! Hurry, this is a limited time offer!*Offer valid 4/1/19-4/30/19.

Ready to move into a new home, or refinance your existing one? I can help!

As a valued member of Members Heritage Credit Union, you are entitled to a special mortgage lending program through SWBC Mortgage Corporation. Contact me today to learn more about this special program and how we can help you reach your goals of homeownership this year.

SPRING IS A GREAT TIME TO BUY!

© 2018 SWBC. All rights reserved. Loans are subject to credit and property approval. Other restrictions and conditions may apply. Programs and guidelines are subject to change without notice. Rates are subject to change daily. Corporate office located at 9311 San Pedro Avenue, Suite 100, San Antonio, TX 78216. SWBC Mortgage Corporation, NMLS #9741 (www.nmlsconsumeraccess.org). Georgia Residential Mortgage Licensee. First Mortgage Services provided by SWBC Mortgage Corporation.

JAMIE MORRISON SWBC MORTGAGE CORPORATION FINANCIAL INSTITUTION LOAN OFFICER

NMLS #6298 | GA LICENSE #47227

440 Park Place | Lexington, KY 40511

DIRECT: 859.455.7373 | TOLL FREE: 800.359.3466 ext 7373 EMAIL: jmorrison@swbc.com | Apply Online at www.mhcu.org

Receive

$10!Shred-It Events

Members Heritage is happy to provide the following Shred-It events for you this year:

MayThursday, May 16 @ PP440 Park Place, Lexington

10 am-1 pm

July Thursday, July 18 @ NICH

1039 N. Main St, Nicholasville12-1 pm

SeptemberThursday, Sept. 19 @ WIN339 Shoppers Dr, Winchester

12-1 pm

OctoberThursday, Oct. 17 @ PP440 Park Place, Lexington

10 am-1 pm

Personal shredding only. No businesses,

please.

Be on the look-out for our NEW Online Banking in June!

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Choose MHCU Credit Cards

Members Heritage credit cards give you the freedom of worldwide acceptance at millions of locations. Now, MHCU credit cards have a fixed rate as low as 9.75% APR.* Apply for your MHCU VISA and enjoy the following benefits:

NO annual fees NO balance transfer fees Earn ScoreCard bonus points with every purchase Option to view statement online Cash advances at teller window or ATMs And more!

We’re happy to transfer balances from higher interest cards to your MHCU card for savings. Apply for your card today and get the credit you deserve.* APR = Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. Set credit card rates will range from 9.75%-18.00% APR. Variable VISA credit card rates will range from 10.50%-18.00%. Your rate may be higher based on your credit history.

Redeeming Your ScoreCard Reward Points

If you have a Members Heritage VISA credit card, you are accumulating ScoreCard Reward points. For every $1 you spend, you receive 1 ScoreCard Reward point! Members Heritage is happy to provide this extra bonus to members who carry and use our credit card.

Redeem your ScoreCard Reward points for any of the following:

Cash Back Statement Credit Gift Cards Merchandise Travel Charity Gift Card – choose from over 1,000 charities to donate money! Gifting to another individual*

The more you spend, the more points you receive! Use your Members Heritage credit card and get the most out of your ScoreCard Rewards Paoints program.* Some restrictions apply. See scorecardrewards.com for complete details about

gifting to another individual.

Members Insurance Services offers competitive rates on Home, Auto, Business, Life, Pet insurance and much more!

For a quote, go to www.mhcu.org or call 844-431-8569.

Let us help you save money! Contact Members Insurance Services, today!Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Members Heritage CU need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice.

Time to Shop Insurance Rates?

440 Park Place | Lexington, KY 40511

MHCU Board of Directors Bobby A. Flynn – ChairmanJim Allen – Vice ChairmanMike Proctor – SecretaryManlus “Les” Burton – TreasurerMike Harding – DirectorMichelle Thomas – Associate Director

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from ©iStock and/or ©Fotolia. ©2019 Members Heritage

Federally Insured by NCUA

Like us on Facebook!www.fb.com/MembersHeritage

Holiday ClosingsHoliday Closings

Park Place440 Park PlaceLexington, KY 40511859-259-3466800-359-3466Fax 859-455-7281Lobby HoursM–F 8 a.m. to 5 p.m.Sat. 9 a.m. to NoonDrive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Federal Medical Center (FMC)(Employee Access Only)3301 Leestown RoadLexington, KY 40511859-255-7687800-359-3466Fax 859-255-7687Lobby HoursM–F 8 a.m. to 4:30 p.m.

Pimlico3202 Custer DriveLexington, KY 40517859-259-3466800-359-3466Fax 859-455-7255Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Members Way2420 Members WayLexington, KY 40504859-259-3466800-359-3466Fax 859-455-7302Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Winchester 339 Shoppers DriveWinchester, KY 40391859-737-3671800-359-3466Fax 859-737-3675Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to Noon

Lexmark(Employee Access Only)Lexmark Building 003Lexington, KY 40511859-259-3466 800-359-3466Lobby Hours M–F 8 a.m. to Noon

Nicholasville1039 N. Main StreetNicholasville, KY 40356859-887-3674800-359-3466Fax 859-887-3819Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to Noon

Locations and Hours

Memorial DayMonday, May 27

Independence DayThursday, July 4

INS

IDE

Annual Meeting Reminder

Ticket holders: Don’t forget to attend the Annual Meeting, on Friday, April 12, at the Fayette County Cooperative Extension Office in Lexington.

Visit Us Online. Be sure to check out www.mhcu.org on

a regular basis. Find news, articles and

information about your credit union.

MHCU Offers Business Accounts and Loans!

Companies can choose from our Basic and Classic Business Share Draft Checking accounts. We also offer Commercial Real Estate Loans, Corporate Vehicle Loans and Secured Operating Lines of Credit.**

For more details on Business Accounts, please contact us at 859-259-3466. For details regarding business loans, contact our Cooperative Business Services partner, Miller DeWeese at 502-551-4935. *Minimum loan amount = $50,000. Membership eligibility requirements apply.