< Online Banking Upgrade Check out the fresh clean look and easy navigation.

< Welcome New JCPS Teachers from Puerto Rico

JCPS recruited 38 new employees from Puerto Rico for 2017-2018.

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News and Information for the Members of Class Act Federal Credit Union

OCTOBER / NOVEMBER / DECEMBER 2017

< Holiday Loans Don’t empty your wallet to fill those stockings.

members@classact.orgclassact.org

Loan Rates as ofOctober 1, 2017NEWS

RATE

HOLIDAY

CLOSINGS

Annual Percentage Rate*New Car & Motorcycle as low as 2.50%*Used Car & Motorcycle as low as 2.50%*New Boats/RVs/Campers as low as 4.00%*Used Boats/Rvs/Campers as low as 4.00%*Personal/Signature as low as 8.50%*Overdraft Line of Credit 15.00%Platinum Visa as low as 10.25%Share Secured as low as 5.00%Share Certificate Secured as low as 5.00%Home Equity LOC - Prime + 0% as low as 4.25%Fixed Rate 2nd Mortgage as low as 3.75%*10-30 Year Fixed Rate 1st Mortgages Call for Quote

*Rates reflect .25% discount for automatic payment, and .25% discount for CAFCU checking with direct deposit. Prime rate at time of publication is 4.25%. Rates based on borrower’s qualifications and are subject to change. Other rates and terms available.

Main Office3620 Fern Valley Road • Louisville, KY 40219-1917

(502) 964-7575 • 1-800-292-2960 • Fax: (502) 966-2061Office HoursMonday - Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

Cardinal Towne Branch331 W. Cardinal Boulevard • Louisville, KY 40208

Office HoursMonday - Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

East Branch3711 Diann Marie Road • Louisville, KY 40241

Office HoursMonday – Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

Shared Branches2925 Goose Creek Road • (502) 429-00684917-B Dixie Highway • (502) 448-1686

Office HoursMonday – Friday 9:00am – 7:00pmSaturday 9:00am – 2:00pm

“Express Line”(502) 964-7575 • 1-800-292-2960

Columbus Day October 9

Veterans Day November 11

Thanksgiving Day November 23

Christmas Day December 25

New Year’s Day January 1, 2018

CONNECT WITH US

Notice: Equifax Data BreachEquifax, one of the 3 major credit bureaus that almost all financial institutions use to gather data for loan

approvals, recently experienced a massive data breach. That means, that millions of people could have personal information that was compromised – including social security numbers and credit card numbers.

It’s important to note: The Class Act network itself has not be affected in any way and debit cards were not directly involved. Therefore, criminals should not have direct access to any savings or checking accounts. However, social security numbers are often used as a way to verify identity so criminals may be able to gain access to even more information. This is why it is important to take the necessary steps to assure that your information is safe. To see if you have been affected by this data breach please visit https://www.equifaxsecurity2017com/am-i-impacted/. If your information is determined to have been affected, Equifax is offering a free subscription to Trusted ID identity theft protection service. We strongly encourage all members to take steps to go to the site and enroll in Trusted ID.

There is more information on security tips and steps you can take to keep your information safe on Class Act’s website at https://www.classact.org/equifax-data-breach/.

Manage your Plastics with MobiMoney!Class Act members now have a convenient way to manage their Class Act debit and credit cards. MobiMoney is a mobile app that enables cardholders to easily turn their cards on or off instantly. Users can also receive instant alerts on their mobile devices, and limit usage based on location, transaction type, or dollar amounts. The app is highly customizable to your own personal preferences. MobiMoney is just one of Class Act’s many tools to help fight fraud and protect our members’ accounts. Download MobiMoney today from Google Play or the App Store.

Holiday LoansThis holiday season, don’t empty your wallet to fill those stockings. Instead, get a Holiday Loan from your credit union. Our Holiday Loans are an annual favorite for Class Act members, and for good reason. We’ve lowered the interest rate by 2% (to as low as 7.0% APY*). Borrow up to $3,000 and take up to 24 months to repay. You can even defer your first loan payment up to 60 days. Holiday loans will be available November 1st through January 31st, and are a great way to stretch your gift-buying budget during the holidays.

*Annual Percentage Rate. No other discounts apply. Rates subject to change. Payment illustration: $3,000 holiday loan at 7.0% yields 24 monthly payments of $134.31.

Credit CardsGo Platinum and Save!

Replace your high-interest credit card, with a better choice – a Platinum Visa card from your credit union! You’ll enjoy a low interest rate, plus 1% cash back on every single purchase! New cardholders will really like the 0% intro rate and low balance transfer fee.

• 0% intro rate on purchases and balance transfers for 6 months

• Rates as low as 10.25% following intro period

• Low 1% balance transfer fee (most other cards charge 3% to 5%)

• Unlimited 1% cash back on ALL purchases

Apply today to maximize your savings during the upcoming holiday shopping season!

*Annual Percentage Rate. 10.25% rate current as of 10.1.2017. Rates will vary with market based on the Prime Rate & based on credit history. Cash back rewards paid annually in December. Account must be open and current to earn rewards.

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Welcome St. Francis School!Class Act is pleased to announce the newest addition to our credit union family - St. Francis School! St. Francis School is s an independent, coeducational, college preparatory day school with two campuses. Grades K thru 8 are located in Goshen,

while the high school is located downtown on Broadway. St. Francis School’s faculty and staff are comprised of approximately 100 eduployees, and we are eager to meet and serve them all. Welcome St. Francis School!

Welcome New JCPS Teachers from Puerto Rico!Just before two devastating hurricanes would crash over the U.S. territory of Puerto Rico, some of its citizens were becoming part of the Class Act family. Our foundingpartner, JCPS, recently recruited 38 new employees from Puerto Rico for the 2017-2018 school year. Although they did receive a generous relocation package throughJCPS, the money wouldn’t arrive in the hands of the employees until their first paycheck. That’s where Class Act stepped in.

Recruiters from JCPS reached out to Class Act for any help that we could offer. After a short deliberation, Class Act calledthem back and said that we would offer these “eduployees” a $1,000 loan – funds guaranteed - to help carry them over to their first U.S. mainland paycheck. Through this loan, as well as other Class Act products, these newcomers were able to find a place to live, transportation to work, and they made it to their first paycheck! To hear the full story, visit https://www.classact.org/news. Please encourage these new JCPS teachers and make them feel welcome here in our community.

New “mini credit union” at Shelby ElementaryWe are excited to share news of the grand opening of the Shelby Elementary Traditional Academy Star Bucks program with Class Act!

On Thursday, September 7th, we opened the teller lines to Shelby Elementary students so that they could deposit their Star Bucks paychecks. Right now, there are 5 qualified, Shelby Elementary students who have been trained by Class Act staff members as tellers. They know how to make simple transactions like deposits and withdrawals and they even know how to open new accounts!

This branch differs from any of our others, as it takes only Star Bucks rather than U.S. dollars. Students at Shelby can earn these dollars through good behavior,

attendance, and putting forth good effort. Every two weeks they receive a paycheck that they can then deposit at the Class Act Mini Branch. To hear the full story, visit www.classact.org/news.

Proudly Serving Educational Employee Groups and the Students and Alumni of the University of Louisville News and Information for the Members of Class Act Federal Credit Union CH

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By joining Class Act Federal Credit Union, you made the smart choice to protect your family’s financial future. Class Act is a not-for-profit financial cooperative owned by members like you. Because credit unions are not-for-profit and member-owned, they are exempt from federal income taxation. (We do however, pay many other federal, state and local taxes; and the salaries of all Class Act staff members are fully taxed just like any other U.S. citizens.) Unlike for-profit banks, we aren’t concerned with generating ever-larger returns for wealthy stockholders. Our only concerns are promoting financial wellness and providing high-quality services and products to our members at the most affordable rates possible. That’s why we return any gains to you

through lower interest rates on loans and higher dividend rates on savings and even higher rates on certain checking accounts.Powerful political lobbyists for the banking industry continuously press Washington lawmakers to restrict credit unions and to take away their tax exempt status. You, as an owner-member of the credit union have a personal stake in this ongoing battle. If we want to stay strong and protect our families’ financial futures, we have to ensure credit unions stay top-of-mind for lawmakers in Washington, D.C., and state legislatures. Elected officials hear from bank lobbyists all the time. To match them, we must all step up and tell Congress and state lawmakers the credit union story, that credit unions are a consumer’s safest and best option in financial services. Nothing is more powerful to elected officials than when they hear from their constituents. Your voice, as a credit union member, is more effective than any bank lobbyist, period. To that end, you may be receiving periodic updates and opportunities to share your views about credit unions in the months ahead. To learn more, visit www.classact.org/about and select “What is a Credit Union” from the menu.Thank you for being a member of Class Act Federal Credit Union. Take your membership to the next level by helping us fight for the protection of credit unions. As one of 105 million credit union members across the country, your opinion matters. Thank you for supporting your credit union.

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Online Banking Upgrade!Regular online banking users may have noticed our recent upgrade. Hopefully, you like the fresh clean look and easy navigation. But beyond aesthetics, there are some new features, most important of which may be the responsive design that allows the page to reformat itself to fit any screen size, so whether you login by way of phone, tablet, or desktop computer, you will have full access to the page without the need to scroll left to right. You can also now make external transfers to other financial institutions which is a feature that members have asked for. Please test drive the new online banking and let us know what you think. We appreciate your feedback. Our goal is to make banking here as convenient as possible.

Skip-a-Pay in December!Class Act’s Skip-a-Pay is an easy and affordable way to stretch your holiday budget. Class Act members may elect to keep extra money in their pockets by skipping certain loan payments this December. By paying a $25 fee per loan, members can skip December loan payments for car loans or personal signature loans. It doesn’t matter if you make your payments weekly, bi-weekly, or monthly – you can skip them all and pay just one fee per loan. Open-ended lines of credit, and real estate loans are not eligible for Skip-a-Pay. Interested members must apply by November 27th to skip their December loan payments. For more information, call 502.964.7575 or download the form at www.classact.org/current-promotions and return to any branch by November 27th. Skip-a-Pay, just one more way we give you Straight A’s for your Money!

Board Nominations NoticeEnclosed with your statement is an Official Notice of the 2018 Annual Meeting and Nomination Procedure form. Please take a moment to read this form and call your Credit Union with any questions. Members who receive e-Statements will receive the Nominations form by way of email.

Exclusive Discounts from Love My Credit Union Rewards

Get a $100 Cash Reward for Every New Line You Switch to Sprint

This new exclusive cash rewards offer is our best one EVER! Now, as a Class Act Federal Credit Union member, you can earn $100 for every line when you switch to Sprint®.

Here’s how it works:

❤ Members get a $100 cash reward for every new line when you switch to Sprint®.

❤ Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards.

❤ Plus, get a $50 loyalty cash reward every year for every line.

Here’s how to sign up for Sprint cash rewards:

1. Become a Sprint customer.

2. Register at LoveMyCreditUnion.org/SprintRewards or in the Love My Credit Union Rewards® app.

3. Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!

Make the switch today and save with the Sprint Credit Union Member Cash Rewards!

Welcome St. Francis School!Class Act is pleased to announce the newest addition to our credit union family - St. Francis School! St. Francis School is s an independent, coeducational, college preparatory day school with two campuses. Grades K thru 8 are located in Goshen,

while the high school is located downtown on Broadway. St. Francis School’s faculty and staff are comprised of approximately 100 eduployees, and we are eager to meet and serve them all. Welcome St. Francis School!

Welcome New JCPS Teachers from Puerto Rico!Just before two devastating hurricanes would crash over the U.S. territory of Puerto Rico, some of its citizens were becoming part of the Class Act family. Our founding partner, JCPS, recently recruited 38 new employees from Puerto Rico for the 2017-2018 school year. Although they did receive a generous relocation package through JCPS, the money wouldn’t arrive in the hands of the employees until their first paycheck. That’s where Class Act stepped in.

Recruiters from JCPS reached out to Class Act for any help that we could offer. After a short deliberation, Class Act called them back and said that we would offer these “eduployees” a $1,000 loan – funds guaranteed - to help carry them over to their first U.S. mainland paycheck. Through this loan, as well as other Class Act products, these newcomers were able to find a place to live, transportation to work, and they made it to their first paycheck! To hear the full story, visit https://www.classact.org/news. Please encourage these new JCPS teachers and make them feel welcome here in our community.

New “mini credit union” at Shelby ElementaryWe are excited to share news of the grand opening of the Shelby Elementary Traditional Academy Star Bucks program with Class Act!

On Thursday, September 7th, we opened the teller lines to Shelby Elementary students so that they could deposit their Star Bucks paychecks. Right now, there are 5 qualified, Shelby Elementary students who have been trained by Class Act staff members as tellers. They know how to make simple transactions like deposits and withdrawals and they even know how to open new accounts!

This branch differs from any of our others, as it takes only Star Bucks rather than U.S. dollars. Students at Shelby can earn these dollars through good behavior,

attendance, and putting forth good effort. Every two weeks they receive a paycheck that they can then deposit at the Class Act Mini Branch. To hear the full story, visit www.classact.org/news.

Proudly Serving Educational Employee Groups and the Students and Alumni of the University of Louisville News and Information for the Members of Class Act Federal Credit Union CH

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MESSAGEPRESIDENT’S

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By joining Class Act Federal Credit Union, you made the smart choice to protect your family’s financial future. Class Act is a not-for-profit financial cooperative owned by members like you. Because credit unions are not-for-profit and member-owned, they are exempt from federal income taxation. (We do however, pay many other federal, state and local taxes; and the salaries of all Class Act staff members are fully taxed just like any other U.S. citizens.) Unlike for-profit banks, we aren’t concerned with generating ever-larger returns for wealthy stockholders. Our only concerns are promoting financial wellness and providing high-quality services and products to our members at the most affordable rates possible. That’s why we return any gains to you

through lower interest rates on loans and higher dividend rates on savings and even higher rates on certain checking accounts.Powerful political lobbyists for the banking industry continuously press Washington lawmakers to restrict credit unions and to take away their tax exempt status. You, as an owner-member of the credit union have a personal stake in this ongoing battle. If we want to stay strong and protect our families’ financial futures, we have to ensure credit unions stay top-of-mind for lawmakers in Washington, D.C., and state legislatures. Elected officials hear from bank lobbyists all the time. To match them, we must all step up and tell Congress and state lawmakers the credit union story, that credit unions are a consumer’s safest and best option in financial services. Nothing is more powerful to elected officials than when they hear from their constituents. Your voice, as a credit union member, is more effective than any bank lobbyist, period. To that end, you may be receiving periodic updates and opportunities to share your views about credit unions in the months ahead. To learn more, visit www.classact.org/about and select “What is a Credit Union” from the menu.Thank you for being a member of Class Act Federal Credit Union. Take your membership to the next level by helping us fight for the protection of credit unions. As one of 105 million credit union members across the country, your opinion matters. Thank you for supporting your credit union.

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Online Banking Upgrade!Regular online banking users may have noticed our recent upgrade. Hopefully, you like the fresh clean look and easy navigation. But beyond aesthetics, there are some new features, most important of which may be the responsive design that allows the page to reformat itself to fit any screen size, so whether you login by way of phone, tablet, or desktop computer, you will have full access to the page without the need to scroll left to right. You can also now make external transfers to other financial institutions which is a feature that members have asked for. Please test drive the new online banking and let us know what you think. We appreciate your feedback. Our goal is to make banking here as convenient as possible.

Skip-a-Pay in December!Class Act’s Skip-a-Pay is an easy and affordable way to stretch your holiday budget. Class Act members may elect to keep extra money in their pockets by skipping certain loan payments this December. By paying a $25 fee per loan, members can skip December loan payments for car loans or personal signature loans. It doesn’t matter if you make your payments weekly, bi-weekly, or monthly – you can skip them all and pay just one fee per loan. Open-ended lines of credit, and real estate loans are not eligible for Skip-a-Pay. Interested members must apply by November 27th to skip their December loan payments. For more information, call 502.964.7575 or download the form at www.classact.org/current-promotions and return to any branch by November 27th. Skip-a-Pay, just one more way we give you Straight A’s for your Money!

Board Nominations NoticeEnclosed with your statement is an Official Notice of the 2018 Annual Meeting and Nomination Procedure form. Please take a moment to read this form and call your Credit Union with any questions. Members who receive e-Statements will receive the Nominations form by way of email.

Exclusive Discounts from Love My Credit Union Rewards

Get a $100 Cash Reward for Every New Line You Switch to Sprint

This new exclusive cash rewards offer is our best one EVER! Now, as a Class Act Federal Credit Union member, you can earn $100 for every line when you switch to Sprint®.

Here’s how it works:

❤ Members get a $100 cash reward for every new line when you switch to Sprint®.

❤ Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards.

❤ Plus, get a $50 loyalty cash reward every year for every line.

Here’s how to sign up for Sprint cash rewards:

1. Become a Sprint customer.

2. Register at LoveMyCreditUnion.org/SprintRewards or in the Love My Credit Union Rewards® app.

3. Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!

Make the switch today and save with the Sprint Credit Union Member Cash Rewards!

< Online Banking UpgradeCheck out the fresh clean look and easy navigation.

< Welcome NewJCPS Teachersfrom Puerto RicoJCPS recruited 38 new employees from Puerto Rico for 2017-2018.

P3

P4

INSIDETAKE A LOOK

Sto

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News and Information for the Members of Class Act Federal Credit Union

OCTOBER / NOVEMBER / DECEMBER 2017

< Holiday LoansDon’t empty your wallet to fill those stockings.

members@classact.orgclassact.org

Loan Rates as ofOctober 1, 2017NEWS

RATE

HOLIDAY

CLOSINGS

Annual Percentage Rate*New Car & Motorcycle as low as 2.50%*Used Car & Motorcycle as low as 2.50%*New Boats/RVs/Campers as low as 4.00%*Used Boats/Rvs/Campers as low as 4.00%*Personal/Signature as low as 8.50%*Overdraft Line of Credit 15.00%Platinum Visa as low as 10.25%Share Secured as low as 5.00%Share Certificate Secured as low as 5.00%Home Equity LOC - Prime + 0% as low as 4.25%Fixed Rate 2nd Mortgage as low as 3.75%*10-30 Year Fixed Rate 1st Mortgages Call for Quote

*Rates reflect .25% discount for automatic payment, and .25% discount for CAFCU checking with direct deposit. Prime rate at time of publication is 4.25%. Rates based on borrower’s qualifications and aresubject to change. Other rates and terms available.

Main Office3620 Fern Valley Road • Louisville, KY 40219-1917

(502) 964-7575 • 1-800-292-2960 • Fax: (502) 966-2061Office HoursMonday - Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

Cardinal Towne Branch331 W. Cardinal Boulevard • Louisville, KY 40208

Office HoursMonday - Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

East Branch3711 Diann Marie Road • Louisville, KY 40241

Office HoursMonday – Friday 9:00am – 5:00pmSaturday 9:00am – 1:00pm

Shared Branches2925 Goose Creek Road • (502) 429-00684917-B Dixie Highway • (502) 448-1686

Office HoursMonday – Friday 9:00am – 7:00pmSaturday 9:00am – 2:00pm

“Express Line”(502) 964-7575 • 1-800-292-2960

Columbus Day October 9

Veterans Day November 11

Thanksgiving Day November 23

Christmas Day December 25

New Year’s Day January 1, 2018

CONNECT WITH US

Notice: Equifax Data BreachEquifax, one of the 3 major credit bureaus that almost all financial institutions use to gather data for loan

approvals, recently experienced a massive data breach. That means, that millions of people could have personal information that was compromised – including social security numbers and credit card numbers.

It’s important to note: The Class Act network itself has not be affected in any way and debit cards were not directly involved. Therefore, criminals should not have direct access to any savings or checking accounts. However, social security numbers are often used as a way to verify identity so criminals may be able to gain access to even more information. This is why it is important to take the necessary steps to assure that your information is safe. To see if you have been affected by this data breach please visit https://www.equifaxsecurity2017.com/am-i-impacted/. If your information is determined to have been affected, Equifax is offering a free subscription to Trusted ID identity theft protection service. We strongly encourage all members to take steps to go to the site and enroll in Trusted ID.

There is more information on security tips and steps you can take to keep your information safe on Class Act’s website at https://www.classact.org/equifax-data-breach/.

Manage your Plastics with MobiMoney!Class Act members now have a convenient way to manage their Class Act debit and credit cards. MobiMoney is a mobile app that enables cardholders to easily turn their cards on or off instantly. Users can also receive instant alerts on their mobile devices, and limit usage based on location, transaction type, or dollar amounts. The app is highly customizable to your own personal preferences. MobiMoney is just one of Class Act’s many tools to help fight fraud and protect our members’ accounts. Download MobiMoney today from Google Play or the App Store.

Holiday LoansThis holiday season, don’t empty your wallet to fill those stockings. Instead, get a Holiday Loan from your credit union. Our Holiday Loans are an annual favorite for Class Act members, and for good reason. We’ve lowered the interest rate by 2% (to as low as 7.0% APY*). Borrow up to $3,000 and take up to 24 months to repay. You can even defer your first loan payment up to 60 days. Holiday loans will be available November 1st through January 31st, and are a great way to stretch your gift-buying budget during the holidays.

*Annual Percentage Rate. No other discounts apply. Rates subject to change.Payment illustration: $3,000 holiday loan at 7.0% yields 24 monthly payments of $134.31.

Credit CardsGo Platinum and Save!

Replace your high-interest credit card, with a better choice – a Platinum Visa card from your credit union! You’ll enjoy a low interest rate, plus 1% cash back on every single purchase! New cardholders will really like the 0% intro rate and low balance transfer fee.

• 0% intro rate on purchases and balance transfers for 6 months

• Rates as low as 10.25% following intro period

• Low 1% balance transfer fee (most other cards charge 3% to 5%)

• Unlimited 1% cash back on ALL purchases

Apply today to maximize your savings during the upcoming holiday shopping season!

*Annual Percentage Rate. 10.25% rate current as of 10.1.2017. Rates will vary with market based on the Prime Rate & based on credit history. Cash back rewards paid annually in December. Account must be open and current to earn rewards.

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