Summertime. . . and the SAVING is easy

The

DIRECT

Line

June/July/Aug 2013

a communication to our valued members

Move in - Remodel - Refinance - for Lesswith our Summer Home Loan Special!

Open a 15 or 20 year fixed rate Mortgage or fixed rate Home

Equity Loan and get an extra -.25% off your already LOW

interest rate! This special is good on new applications received

June 15 - July 15, 2013.*

based on $150,000 loan with 5% down payment 10-year* 15-year* 20-year* 30-year 5/1 Arm Rate 2.750% 2.875% 3.375% 3.875% 2.250% Monthly P&I Pymt $1,431.17 $1,026.88 $860.34 $705.37 $573.37 Total interest first 5 yrs $16,012.2 $18,596.12 $23,006.14 $27,716.87 $15,869.41 Total principal first 5 yrs $85,870.20 $61,612.80 $51,620.40 $42,321.60 $34,402.20

Compare Mortgage Rates & Benefits

* Special interest rate discount valid on new loan proceeds for loans to be held in MACU's portfolio from applications submitted during the promotional period of

June 15-July 15, 2013. The special interest rate discount is applied to the Note Rate. Rates may vary and are subject to credit approval. Rates quoted were from May

24, 2013. Primary mortgage loans and home equity loans held in the MACU portfolio will be secured by owner occupied residential real estate property located in

Boone, Dekalb, Lee, McHenry, Ogle, Stephenson or Winnebago County in Illinois and Green, Rock or Walworth County in Wisconsin. Mortgage loans originated that are

secured in other counties, will be sold to the secondary market.

In This IssueChecking with Rewards

New online branch open

Keep your card info safe

Don’t Tax My CU Effort

Vacation Clubs & Vehicle Loans

Discount tickets

Through June 30, you’ll receive

a special interest rate of 6.9%

APR* on all Balance Transfers

and Cash Advances with our

VISA Platinum Rewards credit

card. If you don’t already have

a MACU VISA credit card, apply

now and bask in all the benefits: No annual fee, No balance

transfer fee, No cash advance fee; and earn Rewards points with

every purchase**! If you already have our VISA credit card, this

is a great time to transfer balances from higher interest cards or

use the cash advance at this special low rate!

Hurry and take advantage of this sunny deal before June 30!

Whether you’re buying a home, remodeling your current place,

or looking to borrow some extra cash this summer, we’ll find the

right loan at a rate and term to fit your lifestyle. You can apply

online or with any of our loan representatives. Our summer

special applies to 15 or 20 year fixed rate Mortgage or fixed rate

Home Equity loans only,* but we offer other options such as

ARMs and HELOCs as well, all at competitive interest rates. Let

us provide the best financing, and we’ll see you through from

start to closing.

Below is a helpful comparison when choosing a Mortgage loan:

*APR=Annual Percentage Rate. Promotional rate subject to qualification. For cash advances and balance transfers made between April 15-June 30, 2013, the rate is

valid until the promotial balance is paid off. Any cash advances and balance transfers made after June 30, 2013, will be at the Annual Percentage Rate documented on

your statement. **Learn more about Rewards Points and get details at www.membersalliance.org

Keep your cool with affordable credit!

Pay a visit to our new Online Branch!In mid April, we released the new version of our website at

www.membersalliance.org, sporting a totally new look,

helpful features, and easy navigation to allow you to access all

we have to offer. The new website is designed to provide an

updated, easy to use “online branch” on which you can join

the credit union, apply for a loan, do your online banking or

simply learn more about what your credit union is doing for

you and in our community!

membersalliance.org Follow us on2

Pardon Our DustWe are in the process of

remodeling some areas of our S.

Alpine Road location this summer.

On select days and times in the

coming few months, there may be

limited access to certain areas of

the S. Alpine branch. We will make

every effort to offer “business as usual”.

All of our other locations will be open and available during

regular business hours. Please excuse the temporary mess.

We apologize for any inconvenience.

Many Americans are concerned about someone stealing their

credit card, check, or debit card numbers. Though the recent

debit/credit card Schnucks/Hilander data breach was not the

fault of consumers, we want to remind you there are some

easy steps you can take to prevent thieves from stealing your

financial information:

• Shred all pre approved credit offers,

credit and debit card receipts, insurance

forms, financial statements, and other

paperwork containing personal and

financial information;

• Check credit union statements and

other financial statements monthly for

discrepancies and order a credit report

once a year (annualcreditreport.com)

to make sure no one else is using your

personal information to obtain credit cards

or services;

• Don't print your Social Security number on your checks and don't

carry your Social Security card in your wallet; and

• Be hesitant about giving personal or financial information over the

telephone or email--make sure you know the caller/sender and know

how the information will be used.

Plus, If you will be traveling out of town for a period of time,

let your credit union or credit card company know where you

will be and the time frame so they can alert fraud protection.

Online and Mobile Banking are excellent, immediate ways

of monitoring your accounts regularly, 24/7. Use this free

technology to keep track of your accounts & to watch for

suspicious transactions; and if you see fraudulent activity on

your account, report it promptly to the credit union.

The security and safety of our members is of utmost

importance. These helpful tips can lessen your chances of

being a victim of account fraud.

Copyright 2012 Credit Union ational Association Inc. Information subject to change.

Keep it Private!Use your check card.

Invite a friend. Earn Points.

Go Shopping!

Want to earn more points?

Invite a friend to join MACU

and open a checking account;

you’ll both catch some extra

Rewards points. Ask us how!

If you don’t already have a checking account with MACU, or

have your checking account but with no VISA check card, dive

in to CHECKRewards! Your check card can earn you valuable

points to redeem for exciting gifts you’ll flip over! It’s easy and

free. And your check card can be used for purchases anywhere

VISA is accepted.

Reel in your friends and Catch a Reward!

Vacation Club? Good Plan!

You Can Rely On Us! 3

Your first step toward an affordable vacation is to save for it.

When you plan a trip, consider using a Vacation Club account

at MembersAlliance.

You can set up a Vacation Club account specifically to save

for a vacation. That way the money is slightly less accessible

and you're less inclined to dip into it for other expenses. You

can set aside a specific amount from each paycheck to ensure

that you have enough money when your vacation rolls around.

MembersAlliance pays out our Vacation Club accounts on

June 1st of every year. Ask a member service rep to get you

started and look forward to a great getaway!

Get the Low-Down for Smooth Summer SailingWhether you're looking for an RV (recreational vehicle) for

traveling cross-country or a boat for relaxing on the lake,

we can help with all your recreational needs by offering low

interest rates, flexible terms and low down payments on

Vehicle Loans. Boats, travel trailers, campers, motorcycles,

RVs–whatever your chosen mode for summer fun, we can help

make it happen. Avoid the rough waters of a high-interest loan.

Apply online at membersalliance.org or come see us today.

YOU can help protect your credit union!

You may have heard that politicians in

Washington are considering an overhaul of the

federal tax code. We want to alert you to an idea

being discussed that could greatly harm credit

unions and their members.

As a member, you know that MembersAlliance

is owned and directed by you. Unlike banks that

maximize profits for a small group of investors,

credit unions exist to serve their members,

including working families, small businesses, and the local community.

Because we return benefits to our members, we are able to offer

higher returns on savings and lower fees. That’s why your credit union

is not-for-profit and tax exempt.

Now banks and some politicians in Washington are talking about

taxing credit unions like MembersAlliance, despite the fact that we

are not-for-profit. They say we can balance the budget by taxing credit

unions, even though credit unions hold only 6% of all financial assets

nationwide, and banks hold the rest.

Since credit unions are not-for-profit, taxing credit unions could even

destroy credit unions as we know it, eliminating financial choice for

consumers.

Moreover, taxing credit unions won’t even help our budget deficit. In

fact, for every $1 of their tax exemption, credit unions return $10 to

consumers in better rates and lower fees. That’s a solid investment in

our communities and economy. But if Congress taxes credit unions,

these benefits go away, and your credit unions may go away too.

A tax on credit unions is really just a tax on you the member.

The President and Board of Directors of MembersAlliance, along

with the local Chapter of Credit Unions, urge you to send a strong

message to Congress: “Don’t Tax My Credit Union!”

It’s easy to take action: just visit www.DontTaxMyCreditUnion.org

to contact your U.S. Representative and Senators. While there, you

can also watch a video, and learn more about how you can help us

tell Congress, “Don’t Tax My Credit Union!” Click on the Take Action

icon and follow the easy steps to make a difference!

You can also find this link on the membersalliance.org website.

www.DontTaxMyCreditUnion.org

See us around town all summer long

Midway Village Museum Center’s

“CommUNITY Pick-nic” Sun., June 23, 12-5pm

Join us at this FREE event that will bring together

every neighbor who calls the Rock River Valley

home. Shop the flea market, listen to music, and

enjoy entertainment while you relax and picnic in the

beautiful ambiance of the Victorian Village.

Rockford Aviators Professional Baseball

We are a corporate supporter & sponsor of the MACU

All Star Kid of the Game. Look for the Aviators vehicle driving

around town, sponsored by Wheels by RT & MACU!

RPD Music in the Park Concert Series

We continue our support of this longtime Rockford

tradition. Local and regional talents work their musical

magic under the stars in the historic Sinnissippi Park

Music Shell, and all performances are free!

Prsrt StdUS Postage

PAIDRockford, IL

Permit No 781Main office 2550 S. Alpine Rd.Rockford 815.226.2260 Perryville branch6951 Olde Creek Rd.Rockford 815.484.1160 Inside Walmart3902 W. Riverside Blvd.Rockford 815.484.53507219 Walton St.Rockford 815.484.5345 4781 E. Rockton Rd. Rockton 815.484.1250

Calendar of Events *

*Subject to change.

Members $ave at area attractions

Your deposits are insured to $250,000 per account.

This institution is not federally insured.

printed on paper from recycled components

membersalliance.org

Members can purchase discount tickets to the following

summer attractions at any MACU location*:

One Day Admission = $17.00

(savings of up to $7)

discount tickets also available for purchase online;

see MACU for code.

One Day Pass = $39.00

(savings of up to $24.85)

Season Pass = $69.00

(savings of up to $10.30)

June 15 - July 15 Summer Home Loan Special -

see pg. 1

April 15 - June 30 VISA Credit Card Special

see pg. 1

June 8 Magic Waters Waterpark opens

June 23 Midway Village CommUNITY Pick-nic

see pg. 3 www.midwayvillage.com

July 4 Independence Day - all offices closed

July 23 Ribbon Cutting at Rockton branch

by Roscoe Chamber - 12noon

Aug. 1 Music in the Park “Matt Ulery’s Loom”

Sinnissippi Band Shell

Aug. 8 Music in the Park “Ernie Hendrickson

Band” Sinnissippi Band Shell

Sept. 2 Labor Day - all offices closed

*Subject to availability.

You Can Rely On Us!