Location:8111 Lyndale Ave S.Bloomington, MN 55420

(952) 887-8041

(800) 525-0051

Fax: (952) 948-4849

www.torofcu.org

Our Mission:Toro Employees Federal Credit Union’s sole purpose is to help Toro families save, spend and borrow money wisely to improve your financial well-being.

Toro Employees Federal Credit Union is an Equal Housing and Equal Opportunity Lender.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA a U.S. Government Agency.

Holiday Cl�ings

Independence Day

July 4thJuly 5th

Labor Day

September 3rd

Summer Lobby Hours:June 4 - August 31, 2018

Monday-Thursday: 8:00 am – 4:30 pm

Friday: 8:00 am – 12:30 pm

See back for details

�nancial Wellness Toro Credit Union has partnered with LSS Financial Counseling,a trusted, non-pro�t, and full service �nancial wellnessorganization, helping people reach their �nancial goals since 1987. What to expect from your �nancial review:

• Budget and debt counseling to �nd real solutions

• Consolidation of your payments to get out of debt faster with a Debt Management Plan

• Improve your credit score

• Expert advice on student loan repayment rights & options

• Homeownership assistance including home-buying, reverse mortgages, & foreclosure prevention

Call LSS Financial Counseling today for a Free & Con�dential Financial Review1-800-528-2926 • www.lssmn.org/toro

We Love Giving Back! At Toro Credit Union, we love giving back. Each year, we support number of charitable initiatives that serve worthy causes here at The Toro Company. Here are some of the organizations and events we've supported through the years.

United Way: Each year, Toro Credit Union donates the pizza, refreshments and dessert for the Pizza Lunch during United Way week at The Toro Company. 100% of proceeds from the pizza lunch goes directly to United Way.

Charitable Contributions: Every year Toro Credit Union donates to The Melrose Employee Critical Need Fundand The Toro Scholarship Fund because these donations match with our value of “People Helping People”.

Toys for Tots: In December, Toro Credit Union collects toys for children and teens and also donates a gift of money to this wonderful organization.

Toro Employee Groups: From time to time, Toro Credit Union donates to several Toro Employee Clubsand Groups for their various events throughout the year.

Dep�it RatesStep up your savings plan when you move your savings into an interest bearing savings account at Toro Credit Union. We push our earnings back out to our members in the form of higher deposit rates than our competitors. Get started today!

• Money Market Accounts: Dividend rates as high as 0.90% APY* • Share Certi�cates: Savings rates as high as 1.75% APY*

Don't forget that you can still earn money on your regular savings account as high as 0.25% APY*! Move your money to Toro Employees Federal Credit Union and step up your savings plan today. *APY = Annual Percentage Yield. All rates are subject to change.

Summer Issue 2018Summer Issue 2018

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Board of Directors: Grant Adams | Je� Bieber | Brandon Doherty | Sarah Hartung | Tom Lamoureux | Scott Maanum | Steven PetersonSupervisory Committee: Tyler McMahon | Diane Noland | Frank ZschocheStaff Listing: Mark Bailey | Joan Boettcher | Grant Johnson | Colleen Johnson | Fancy Lang | Nancy Mar�l | Patrick Rutten

Summer Issue 2018Summer Lobby Hours: June 4 - August 31, 2018

Monday-Thursday: 8:00 am – 4:30 pm

Friday: 8:00 am – 12:30 pm

ENTER FOR A

CHANCE TO WIN!USE YOUR DEBIT CARD WITH A SIGNATURE FOR

A CHANCE TO WIN A HOVERBOARDOne (1) Prize Winner will be selected on or about September 5, 2018 by a random drawing from all qualified entries received by a participating credit union

between July 1, 2018 and August 31, 2018. Each time an eligible member uses their debit card with their signature during the contest period they will be entered in the contest allowing for multiple entries. PIN-based transactions will not be entered in the contest. See your credit union for complete details, including contest

rules, restrictions and alternate method of entry. Void where prohibited by law.

�me for a Summer Recharge Summer is here! And with it, hopefully you have exciting plans for summer vacation. It’s a wonderful time for everyone to refresh and recharge.It’s also a great time to try out ideas of activities you would enjoy, new pursuits, and possibly a di�erent place you’d like to live in retirement. A caution, though: if you’re not careful, vacations can be just as stressful as “regular life”! Here are some important tips to make sure that you use your vacation time to fully “recharge”:

• Detach completely from technology. Turning away from technology and the media helps us empty our minds of the constant chatter, and allows us to �nd a deeper stream of ideas, insights, and recognition

• Travel somewhere to explore. It might be a place in which you would eventually want to live or do some volunteering. If you’re staying home this summer, take some day trips

• When you’re on vacation, journal every day and keep postcards, thoughts, quotes, and photos all in the journal to capture the experience. This can be especially helpful if you are contemplating retirement

Whether you’re traveling or staying at home, try something new – movie, sport, museum, or activity like biking, etc.Come home early enough from any trip to have a weekend to recoup, get organized, do laundry, relax and go to back work relaxedWith a little focus and attention, you can make any bit of summer vacation into your own mini recharge break.