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Prepped and Ready with a HELOC from MPSCUHurricane season is here and now’s the time to make sure your home is ready to weather any storm. Whether you need to add a generator, install impact windows and doors, purchase hurricane shutters or make last minute repairs to reinforce security, you can use the equity in your home to provide the needed cash flow.

1APR = Annual Percentage Rate. Lender will pay closing costs. The introductory APR will be 2.90% for the first 12 months. After that, the APR will be based on the then prime rate, with a floor rate of 4.0%. The maximum APR is 18.0%. Flood and/or homeowners insurance is required. Other restrictions apply. The Wall Street journal Prime Rate Index as of 3/31/2019 is 5.50%. Minimum draw at time of funding is $25,000. 2If HELOC is closed within the first 24 months from date opened, the borrower will be required to repay all closing costs. Maximum loan to value is 80%. Monthly payments will include principal and interest. 3Consult your tax advisor about possible tax savings. The offer does not apply to existing MPSCU home equity loan products and does not apply to fixed rate home equity products. This offer cannot be combined with any other offer. Subject to change and cancellation at any time without notice. Equal Opportunity Lender.

Home Equity Line of Credit

Stop by a branch and get a FREE comprehensive hurricane checklist or download one at mpscu.org.

With a rate this low, you need to ask yourself, what can your home do for you?2.90 APR1

%for the first 12 months

Rate then tied to prime for the life of the loan

Lines up to $200,000

No Closing Costs2

Flexible Terms

Easy Online Application

Fast Closings

Enjoy Possible Tax Savings3

Get hurricane ready with a Home Equity Line of Credit

Apply Today!

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Upgrade your Summer Fun

2 SAVE TIME, APPLY ONLINE AT WWW.MPSCU.ORG

Outfitting kids to return to school can be stressful and expensive. Let MPSCU make back to school shopping easy with our Visa® Platinum Card.

With our card you can expect:• A low fixed rate • No balance transfer fees• No annual fee • Rewards for all purchases made• No over the limit fee • A grace period on all purchases

If you’re looking to save a little money this summer, then refinance your vehicle from another lender and we’ll give you $90 in gas money AND try to lower your monthly payment*.

Start saving today!

...with a boat loan from MPSCU

With a Boat Loan From MPSCU you are:

• Guaranteed rates as low as 3.99% APR*

• Offered Flexible Terms • Never penalized for prepayment • Easily Pre-Approved

Switch & Save this Summer! Plus, We’ll Put Gas In Your TankAUTO REFI:

in GAS MONEY

$90

Make all your purchases with our Platinum Card!For Back to School:

4.90%APR*

Intro rate

for 6 months

* APR represents Annual Percentage Rate. Subject to Credit Union lending guidelines. Certain restrictions apply. Mention this ad to get the cooler. $40,000 minimum loan amount to receive the cooler. Offer expires 9/30/19. Rate is accurate as of 6/1/19 and is subject to change.

Apply today!

Shop Smart for Back to School

Don’t have our card in your wallet?

* Introductory rate of 4.90 % Annual Percentage Rate (APR) on MPSCU Platinum Card for 6 months. After that, the standard 9.90% APR will be applied to outstanding balances. Rate accurate as of 06/01/19. Subject to credit union approval guidelines.

*The cash back will be deposited into your MPSCU savings account after the loan has been funded. Maximum cash back amount is $90. Cash back amounts are subject to all applicable taxes and are the responsibility of the member. Offer available for the refinancing of non-MPSCU auto loans only and is valid for a limited time only. Minimum loan amount to qualify for cash back is $10,000.

There’s nothing more enjoyable than an afternoon of sun and fun. Always dreamed of owning your own boat? It’s time to envision yourself in the captain’s chair with an MPSCU Boat Loan. Whether you decide to buy new, used or refinance the craft you own, we can help! Take me home

with your boat loan!Plus, we will give you a

Yeti Tundra Cooler!

3

• Visit www.mpscu.org or• Download the CO-OP

Shared Branch app or• Call 888-748-3266 or• Text a Zip Code to 91989

to find nearby Shared Branch Locations. Over 5,500 credit union branches nationwide

Be Hurricane Ready TodayWhile we all hope to avoid another active hurricane season, at MPSCU we believe that now is the time to prepare. Should there be an active storm, please be advised of our Action Plan:

When a Hurricane WATCH is issued, we will remain open as long as it is reasonably safe to do so.

Should a Hurricane WARNING go into effect, MPS Credit Union will be closed for the safety of our employees and their families.

We will re-open as quickly as possible to serve you, our members.

Hurricane season in South Florida began on June 1st and now is the perfect time to stock your home with items that you will likely need to safely weather a storm such as:

• Three days’ worth of nonperishable food and water

• A sturdy flashlight

• Fresh batteries in several sizes

• A small supply of cash in case ATMs are down

• First Aid supplies

• A waterproof and fireproof container for important documents

Don’t Get Caught In The Eye of A Storm:Consider signing up with your local emergency management agency for text alerts and warnings. Finally, make sure you know your evacuation route and shelter options should they be necessary.

And while most of us spend plenty of time preparing our homes, we don’t always think about being financially ready to ride out a storm.

Here are a few helpful tips: • Sign up for Direct Deposit ...this will keep your recurring deposits in your account even if you can’t get to work.

• Arrange to pay your bills with mobile banking ... a hurricane could interrupt major services causing you to miss payments and incur late charges.

• Have your credit union debit card and credit card available ...you may need them for large purchases.

• Be aware of CO-OP Shared Branch locations ...these outlets will serve you as if you were in our own offices. For a list of CO-OP Shared Branches, go to mpscu.org.

Keep A Hurricane Checklist At HomeA full hurricane checklist is available at all branches for your convenience. Please feel free to stop in any branch and pick one up or download one at mpscu.org to keep in your home this season.

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We’re Branching Out so You Can Bank Everywhere!

Shared Branching provides credit unions with the extra reach of larger banks by sharing their branches, nationwide and abroad. You’ll be able

to get cash wherever you are, with the confidence that the service you enjoy at your credit union is now always available to you. Whether by mobile or by branch, you can access your credit union whenever, wherever it’s convenient for you!

Traveling this summer? Worried that you might not have access to cash when you’re far from home?

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4Federally insured by the NCUA

Main Office2190 NW 72 Ave.Miami, FL 33122Hours for the Main OfficeMonday, Tuesday, Thursday, Friday:9:00 am to 5:00 pmWednesday: 9:30 am to 5:00 pmPostal Paydays: 8:30 am to 6:00 pmMiami Gardens Branch6171 N.W. 183 St.Hialeah, FL 33015Pinecrest Branch12677 S. Dixie Hwy.Pinecrest, FL 33156Hours for the Miami Gardensand the Pinecrest BranchMonday, Tuesday, Thursday:9:00 am to 5:00 pmWednesday: 10:00 am to 4:00 pmFriday: 9:00 am to 6:00 pmSaturday: 9:00 am to 1:00 pmCO-OP Shared BranchesVisit our web site for alocation near you.PhoneDade: 305.592.7733Broward: 954.832.3078Toll Free: 1.800.782.3630Express24Dade: 305.477.5167Toll Free: 1.888.477.1400Emailmemberservices@mpscu.orgWebsitewww.mpscu.orgMobile BankingWhen our offices are closed, youstill have 24/7 access to youraccount at ATMs, Express 24,online and on your phone.

Follow us on: NL062019

2019 Scholarship Challenge

A Threepeat-Best of the Best!Once again, MPS Credit Union was voted best of the best by Florida Villager readers. We are proud to be voted as one of the top credit unions of the Reader’s Choice Awards hosted by The Florida Villager Magazine. Thanks for the honor for the third year running!

Back to School HelpThis summer at each of our branches we will be collecting school supplies to help those less fortunate in our communities. Consider dropping off school supplies at any branch, throughout the summer. Your donations make a world of difference.

2019 Scholarship Challenge

Community Connections

A Threepeat

of Being the Best

Back toSchool

Help

CASH Giveaway Winners

MARCHMarilin Alfonso

APRILIlya Rikhter

MAYEric Calderon

INDEPENDENCE DAY Thursday, July 4, 2019

LABOR DAY Monday, September 2, 2019

UpStart

Program

Laptop DonationWe at MPS Credit Union were lucky enough to meet the students in the Up Start Program at Miami Southridge High School and participate in donating laptops to these amazing kids. Congratulations graduates!!!

We’re so proud of the MPS Annual Scholarship Challenge winners! These superstar students were chosen based on academic achievement, community service and an essay submission. Congratulations!

Jennifer Gerson (VP of Marketing), Karina Bumpers, Jace Gerson (accepting for Hannah Stiepleman),

Jace Reyes (President & CEO), Tyra Crenshaw, Maritza Rodriguez-Gomez and Ashley Gomez (brother).