TTCU Now Funds Student Loans831323, the only number you’ll need

www.ttcu.com

3720 E. 31st Street Post Office Box 4999 Tulsa, Oklahoma 74159-0999 Phone: 749.TTCU

Fall 2007

News ToYou

StatisticallyaSpeaking

Members’ SavingsMembers’ LoansTotal ReservesAssetsNumber of Members

Aug. 31, 2007$ 500,203,354

410,410,096106,469,326

668,799,67576,350

Aug. 31, 2006$ 458,180,096

379,059,09498,799,805

628,076,89174,434

Credit cards might look very similar, but according toConsumer Reports latest reader survey, there are plenty ofdifferences in how pleased people are with the plasticthey carry. And they weren’t just asking about interestrates, which can vary widely from one card to another.

According to the survey of over 36,000 readers’ experi-ences with nearly 62,000 cards, they found that con-sumers had far fewer billing headaches and other prob-lems with cards issued by credit unions! By contrast,some of the biggest banks (and most ubiquitous creditcard advertisers) earned scores near the bottom of therankings by consumers.

The difference is clear. Credit unions, like TTCU, are runby the members so they have a vested interest in provid-ing credit at very low rates that offer impeccable serviceto back them up. On the other hand, banks have toworry more about keeping their investors happy.

And, what about those fees? Large credit card issuerscontrol nearly 80% of the Visa and MasterCard market, sothey tend to have “take it or leave it” terms, unfair latefees and unexpected interest-rate increases. And none ofthem ranked exceptional at resolving problems.

Despite congressional hearings chastising issues forexcessive charges, and the introduction of several bills in

Congress this year that would clamp down on such prac-tices, fees continue to climb. Penalty fees for late pay-ments have more than doubled in the past 12 years, froman average of $13 in 1995 to $28 this year, with some ashigh as $39. And, after just one late payment, cardhold-ers can get hit with a penalty interest rate as high as32% by some companies.

The Consumer Reports survey respondents also reportedwide differences in how their card issuers treated themwhen something went wrong - not an uncommon occur-ance in the world of credit. Credit Unions ranked at thevery top of the list for cardholder service with CapitalOne and HSBC rated “below average” and Providian rank-ing with the lowest scores.

At TTCU we recognize the difference in having a soundrelationship with your credit card issuer. That’s whyTTCU’s member service for our credit cards is handled inour offices in Tulsa. Our interest rates haven’t changedin many years and our fees are on the lowest end of thespectrum offered. We know this is good business becauseit is what our members expect and what they deserve.

For more information in detail about the TTCU creditcards call 749.8828 or 800/234.8828 and ask a loan offi-cer for details. Or visit our website at www.ttcu.com.We recognize the difference and we know you will too!

Surprise, Surprise! Are You An Instant Winner?

A TTCU credit card is one of the best offers around andnow we’ve added another reason to apply! Be aninstant winner with a scratch off card.To participate in our Surprise, Surprise instant wingame, simply:

* Complete a credit card application at any TTCUbranch location before December 31, 2007.

* Scratch off your game prize to see if you are alucky winner of thousands of prizes including: $10,000VISA® Gift card, Sony Flat-Screen TV, Amazon.com®promotional certificates, Starbucks and BLOCKBUSTERGiftCards®.Visit our website at www.ttcu.com for rules and moreinformation.

TTCU Credit Card AdvantagesVisa Gold and Classic MasterCard both offer fixed rates

Project School Supplies andChildren’s Miracle NetworkRadiothon Huge Successes!

For the sixth year, TTCU has teamed up with local media,area businesses and TTCU members to furnish new schoolsupplies to NE Oklahoma children in need. This year near-ly 3,000 children received new school supplies to begintheir school year on the right foot.

Thanks to our members, members of the community andarea businesses TTCU was also able to present RestoreHope Ministries with a check for more than $11,000 incash donations in addition to actual school supplies. Thecash donation included a matching donation by theModern Woodmen Insurance Group.

Thank you also goes to our media sponsors, KXOJ100.9 FM radio and Cox Communications, whoworked side-by-side with us to get the word to thecommunity.

TTCU is proud to sponsor this program to help area

children and schools.Thank you continuingto make the programa huge success!

In addition, this yearTTCU was also thetitle sponsor for theCMN Radiothon heldon KWEN, K95.5 FM.The radiothon washeld in July to raisefunds for the Children’s Hospital at St. Francis. In ourfirst year as sponsor and the first year the radiothon washeld on K95, TTCU members, area businesses and radio lis-teners donated $150,000 to the Children’s MiracleNetwork.

When you are ready to apply for a Federal GuaranteedStudent Loan, look no further than your credit union!TTCU now funds student loans and all you need to do isdesignate TTCU as your lender of choice. Remember ournumber, 831323 when you apply at your financial aidoffice or apply online at the Oklahoma Student LoanAuthority (OSLA) website at www.osla.org. You can

find a quick link on ourwebsite at www.ttcu.com,as well as a handy card toprint out with our OSLAnumber and all the perti-nent information you need.

The election of the TTCU’s Board and Committee membersoccurs each year at the annual meeting in late March. TheBoard of Directors is accepting applications for nominationfrom members who wish to run for office. Applications maybe obtained from the main office and require the endorse-ment of twenty-five (25) credit union members.

Applications must be submitted no later than January 15thto be on the ballot at the annual meeting. Nominations willnot be accepted from the floor. Candidates for office shouldbe active credit union members in good standing.

Nominations will be accepted for the 2007 annual meetingfor Board position numbers 1 and 2 and SupervisoryCommittee position 3.

Board & Committee Elections at Annual Meeting

Surprise, Surprise!

Main3720 E. 31st St.

Tulsa, 74135918/749.8828800/234.8828

Fax: 918/743.9701

Eastland14501 E. 21st St.

Tulsa, 74169ext. 5100

Fax: 918/438.8852

Southeast10081 E. 81st St.

Tulsa, 74147ext. 5400

Fax: 918/254.5501

Plaza8222 S. LewisTulsa, 74137

ext. 5050Fax: 918/299.8296

North Pointe140 E. PineTulsa, 74106

ext. 5000Fax: 918/592.1512

Broken Arrow1050 S. 20th St.

Broken Arrow, 74012ext. 5125

Fax: 918/518.5990

Jenks105 S. 9th St.Jenks, 74037

ext. 5025Fax: 918/518.5990

Owasso11725 E. 96th St. N.

Owasso, 74055ext. 5200

Fax: 918/274.1874

Tahlequah778 E. 4th St.

Tahlequah, 74464ext. 5300

Fax: 918/456.1981

749-TTCU800/234.TTCU

Is it your dream to purchase your ownland or platted lot to build your dreamhome one day? TTCU now offers loans onland parcels up to 20 acres on which youplan to build your primary residence.The land must be located in the TTCU“trade area” of the 14 counties inNortheastern Oklahoma and be vacant.Call 749.8828 or 800/234.8828 and askto speak with a mortgage loan officer formore information or visit our website atwww.ttcu.com for more information andcurrent rates.

Does your child long to hang out with some big-time college foot-ball players? Apply on our website to participate in the TTCU Kick-off Kid program with the University of Tulsa football team. Yourchild (must be 12 or younger) will win the opportunity to run onthe field following the opening TU kick-off to pick-up the kickingtee. In addition, your family wins four tickets to the game, an autographed TU football,a TTCU kids Blast Off! t-shirt and the chance to be on the sideline with the GoldenHurricane football team. One winner will be drawn for each TU home game. Don’t wait,the sooner you enter your child, the more chances they have to win! TTCU is a proudsponsor of the University of Tulsa.

Current Dividends Rates

Share Certificate Interest Rates

Traditional and Roth IRA Share Certificate Interest Rates

Money Market Account

Shares & Clubs$25.00 - $10,000.00$10,000.01 - $20,000.00$20,000.01 - $40,000.00$40,000.01 - AboveShared Drafts - Classic & Rewards$25.00Trad, Educ & Roth IRA’s$25.00 - $20,000.00$20,000.01 - $40,000.00$40,000.01 - Above

6 Month$1,000$50,00012 Month$1,000$50,00018 Month$1,000$50,00024 Month$1,000$50,00036 Month$1,000$50,00048 Month$1,000$50,000

12 Month$1,000

24 Month$1,000

36 Month$1,000

48 Month$1,000

$25.00 - $5,000.00$5,000.01 - $20,000.00$20,000.01 - $30,000.00$30,000.01 - $50,000.00$50,000.01 & higher

Rate1.74%1.99%2.23%2.725%

.75%

3.70%3.945%4.18%

APY*1.75%2.00%2.25%2.75%

.75%

3.75%4.00%4.25%

4.96%5.01%

4.86%4.91%

4.86%4.91%

4.86%4.91%

4.96%5.005%

5.005%5.05%

5.05%5.10%

4.95%5.00%

4.95%5.00%

4.95%5.00%

5.05%5.10%

5.10%5.15%

4.91%

4.91%

5.005%

5.05%

5.00%

5.00%

5.10%

5.15%

2.23%2.96%3.925%4.41%4.51%

2.25%3.00%4.00%4.50%4.60%

APY=Annual Percentage YieldShare, Club, Draft and Money Market accounts are variable rate accounts andmay change after account opening. The APYs are effective as of the last divi-dend declaration date and are subject to change. Fees could reduce the earn-ings on the account. The Certificate APYs are effective as of September 14,2007 and are subject to change. A penalty may be imposed for early with-drawal. Please contact an employee for current rates, APYs and further infor-mation about applicable fees and terms.

Credit Union Holiday ScheduleTTCU will be closed for the following holidays:

Columbus Day, Monday . . . . . . . . . . . October 8thVeteran’s Day, Monday . . . . . . . . . November 12thThanksgiving Day, Thursday . . . . . November 22ndChristmas Day, Tuesday . . . . . . . . December 25thNew Year’s Day, Tuesday . . . . . . . . . . . January 1st

NINE Locations toServe You!

Planning to Build Your Dream Home?TTCU now offers “Land Loans” for property intended for your primary residence

Managing Your Credit ScoreIt’s more than paying your bills on time

Be the TTCU Kick-off Kid!Calling all kids

Need to Get Money to Your College Kid?CUSC available at both OU and OSU this fallThere’s no reason to look for banking serv-ices in your child’s college town. We’vegot you covered. Your student can haveimmediate access to their TTCU accountsand all the credit union services throughthe CUSC networks conveniently located onCampus Corner in Norman and in theUniversity & Community Federal CreditUnion in the Student Union in Stillwater.And of course, our branch in Tahlequah ishappy to serve all students attending NSU.

A CUSC facility is like having a TTCU branchin more than 2600 locations across theUnited States and around the world. Youcan make deposits, withdrawals and make

loan payments at anyCUSC office the sameas you would if youwalked in a TTCU branch. It’s that easy.

And, TTCU operates CUSC outlet locationsat our Plaza, Owasso and North Pointebranches so you can transact business youmight have at another credit union at ourbranches as well.

Click on the “Swirl” on our homepage atwww.ttcu.com to find the nearest CUSC toyour location.

Most everyone who extends credit today reviews your creditscore. They want to know if you pay your credit in full and ontime, as well as your current debt ratio to establish whether youare a good credit risk. Bad risk credit applicants pay more inter-est on their loans, and have more restrictive terms from creditorsthan good risk credit applicants. Credit scorers place your creditdata into their computer programs and out pops a number. Butthey can’t tell you precisely how they calculated that figure. Theprocess of establishing a credit score is completed through a com-plex series of calculations, however below are some helpful tips onhow to raise your credit score.

1. Number of open accounts - You can have too few or toomany. The optimum number probably ranges between six andeight.2. Balances - Open accounts with balances reduces your scoremore than open accounts per se.3. Balance/limits - Numerous accounts with balances sittingclose to the limit will bring down your score.4. Credit inquiries - Whenever someone checks your credit file, itcounts against your score. However, multiple checks within twoweeks may not hurt as much as if it appears that you’re merelyshopping different lenders for one loan. Your personal inquiriesdon’t affect your score.5. Payment record - Obviously, late payments hurt your score.But, supposedly FICO doesn’t distinguish between late mortgagepayments and late payments on your Visa or student loan.(Mortgage lenders though, most certainly do care. Always pay yourmortgage or rent first.)6. Recency counts - Late payments two years ago don’t hurt asmuch as two months ago.7. Black marks - Multiple lates on multiple accounts, collections,unpaid judgments, and tax liens devastate your score.

Some categories weigh more than others:• Age of credit (15 percent)• Mix of credit (10 percent)• Amount of balances (30 percent)• Payment history (35 percent)• Recent credit inquiries (10 percent)

The above clues shed some light on the credit scoring process.Perhaps most importantly, they show why “perfect credit” in thesense of “no lates” does not necessarily generate the highestcredit score. To improve your score, you must not only pay yourbills on time but also manage your credit according to the credit-scoring programs.