Summer 2019

SCU is Where Smart Money GrowsYou may have noticed some changes at SCU over the past few weeks, including the introduction of our new tagline “Where Smart Money Grows”. Where Smart Money Grows is really about you, our members. Every day, we meet with members who want to do more with their money, who strive to make good decisions about how to save and borrow, and who look for guidance as they plan for their future. And we’re here for you, every step of the way.

Your money grows in smart ways when you have a financial partner in your corner, who can offer you advice and guidance, along with tailored solutions to help you maximize your savings.

Smart money also grows when you make wise borrowing choices, choosing lending solutions that serve your immediate needs and set you up for future financial success. That might be a custom mortgage solution that offers great rates and benefits that match what you’re looking to do. Or, it can mean finding a lending solution that allows you to borrow today to invest for the future.

We offer a highly specialized business model that positions employees as experts in their roles. This specialized model means that we can offer sound advice along with a robust suite of products and services for personal, business, and agricultural members. Our services range from day-to-day banking, to wealth management, and lending solutions that meet our members’ every need.

As an SCU member, you already know what it means to choose a financial partner who serves your needs first and foremost.

Member News™

®SCU Direct is a registered trademark of Steinbach Credit Union Ltd.

If you're looking to explore how SCU can support you with achieving your financial goals visit us in-branch or at scu.mb.ca/myjourney to continue the conversation.

Source: The Little Black Book of Scams, The Competition Bureau of Canada, 2018

Conversation before calculationFinding your dream home isn’t always easy, but financing it can be. We’re here to help, with a team of dedicated experts who will work alongside you to build the right mortgage for your ideal home. It all starts with a conversation, so call us at 1.800.728.6440 to book an appointment with a lending specialist.

Learn more about our mortgages scu.mb.ca/personal/mortgages

Online shopping is a favourite pastime for many consumers. But many deals you see online—from inexpensive designer purses to significantly discounted electronic goods—are too good to be true.

Fraudsters can create accounts on legitimate auction sites, such as eBay, or on an online marketplace, like Kijiji or Craigslist. They will advertise their products at very low prices, enticing you to buy them. At the end of the day, if you do get something, it might be of poor quality or a bad imitation of what you expected.

In other instances, fraudsters will lure you into clicking on sponsored links that will direct you to a seemingly genuine website. If you decide to buy from there, you won't benefit from any protection or services that legitimate websites offer.

If a site or offer stands out dramatically from the rest, there's likely something off.

Online shopping scamsNOT ALL ONLINE VENDORS ARE REPUTABLE!

Tips to protect yourself

• Buy from companies or individuals you know by reputation or from past experience.

• Beware of sellers from far away and those who have limited or no online reviews.

• Be wary of websites that contain spelling mistakes and grammatical errors.

• Read the refund and return policies carefully, including the fine print.

• Ask the supplier questions and confirm service delivery timelines and the total cost.

• Any requests for personal information such as account numbers, card numbers, usernames, or passwords is a big red flag that the message is fraudulent.

Learn more about how to protect yourself from fraud: scu.mb.ca/insights-advice

Member News | Summer 2019

Tell your friends and family about SCU. When you do, and they join us with your referral card, you'll be entered into a draw to win 1 of 6 $500 savings accounts.

It's easy! Visit us at scu.mb.ca/referral to enter your referral online, download a referral card, or pick one up in-branch. Deadline to enter is December 31, 2019. Two prizes will be awarded per branch!

Refer a new member for a chance to win!

Wealth management that works

Tips to protect yourself

Simplicity, convenience and the freedom to manage all of your investments in one visit – that’s the advantage of Wealth Management with Steinbach Credit Union. SCU partners with Aviso Wealth to provide you with specific expertise in wealth management, while ensuring you experience the same level of unparalleled service and community values that you have come to expect from SCU.

Whether you need assistance with diversifying your portfolio, risk management, or business succession planning, our specialists are ready to help. We’ll guide you in decisions that can support you now, and help achieve your vision for the future.

It starts with creating a strategy that’s personalized to you and your goals, one that’s based on creative ideas and proven approaches that will propel your savings to new heights. We build these strategies in partnership with our Credential wealth advisor team.

Want to learn more? Visit scu.mb.ca/wealth-management

Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

Stay Informed!We have a great summer lineup of events that includes charity barbeque's in Steinbach, and Assiniboine Movies in the Park in Winnipeg. Find us on Facebook to see our calendar of events.

Our new websiteWe are thrilled to announce that we've updated our website! We've added some new features, and made it easier than ever to login to online banking, find an ATM, and even open select accounts online!

Explore our website today: scu.mb.ca

RobertDueckDirector

Doris Martens

Director

Russ Fast

Director

Member NewsDo you have what it takes to serve as a passionate leader and have a strong interest in how your credit union operates? Are you interested in joining a board dedicated and committed to leading SCU into the future? SCU is one of the largest credit unions in Canada, and we’re looking for strong leaders to help shape our vision.

If you are interested in becoming a director, or know someone who would be, please contact the Board of Director’s Nomination Committee by October 1, 2019. Elections will be held at our Annual General Meeting in March 2020.

This year, SCU members will be electing three directors. Note that Board nominations will not be accepted at the Annual General Meeting. Nominations or questions should be sent to:

NOMINATION COMMITTEESteinbach Credit Union333 Main St., Steinbach, MB R5G 1B1Or, email rfunk@scu.mb.ca

Call for Board Nominations

Switch to online statements In addition to helping protect the environment and reducing paper waste at home, switching to online statements is a great way to help you organize your statement history. SCU Direct® keeps seven years' worth of statements all in one location.

Ready to go paperless? Simply call us at 1.800.728.6440, visit us in-branch, or login to SCU Direct to make the switch today!

Go paperless for a chance to win! Between July 2 and September 30, if you sign up to receive online statements or register to combine your printed statements, you’ll be automatically entered to win 1 of 3 Apple iPad minis (one prize per branch)!

Shred Day is on September 14 SAVE THE DATE!Bring your unwanted documents to any SCU branch between 9:30 a.m. and 1:00 p.m. on September 14 and our partner, Iron Mountain will shred them, free of charge! Or, stop by any branch before September 14 to drop off your documents in our locked collection bins. For those who have larger quantities to shred, we kindly ask that you visit us on Shred Day so that we have space in our collection bins to accommodate all members.

Bruce PennerDirector

Henry Van de Velde

1st Vice-Chair

Reg PennerChairman

RobPennerDirector

MariaReimer

2nd Vice-Chair

AmandaPetersDirector

All information in this newsletter is subject to change without notice and is not binding on decisions made by SCU.

®SCU Direct is a registered trademark of Steinbach Credit Union Ltd.