Members Cooperative Credit Union

MEMBERS
MESSENGER
A Quarterly Publication of Members Cooperative Credit Union
WINTER 2015
MAKE MERRY OH, SNAP: Welcome to
AT OUR >>>>> MCCU’s New Mobile App
H O L I D AY
OPEN HOUSES
Don’t want to bundle up in the cold to venture out to an MCCU
branch? Maybe it’s time to download the new and improved MCCU
mobile app! Check your balance, transfer money between your
MCCU accounts, set up online bill payments, or even deposit a check
from your smartphone!
Ready to get mobile? Just scan the QR code below or visit:
ENJOY TREATS FROM MCCU!
WWW.MEMBERSCCU.ORG/MOBILE_BANKING
Aitkin.................FRI, DEC 4 & 11
McGregor................FRI, DEC 4
Cloquet.................... FRI, DEC 11
Spirit Valley.............. FRI, DEC 11
Miller Hill................. FRI, DEC 18
BlueStone................FRI, DEC 18
SCAN THIS CODE WITH
YOUR SMARTPHONE
Ho, ho, ho! Our annual Santa’s Home for
the Holidays festivities will take place
on Sat., Dec 5, from 2:00 pm-5:00 pm
at our Cloquet branch. Featuring visits
with Santa, Stories with Mrs. Claus, face
painting by Maura, games, trolley/hay
rides, cookies, hot dogs, and chips!
www.santashomefortheholidays.com
FIND US ON SOCIAL
MEDIA FOR FUN
CONTESTS AND MORE!
WE'RE BRANCHING OUT Holiday Hours
What a big year 2015 has been at MCCU! The excitement continues in
2016. This Fall, we broke ground on our new Aitkin branch, which is set
to open in Spring. The modernized branch will feature an open-concept
space and pod-style teller format for a more efficient and personal member
experience.
Christmas Eve,
Thurs., Dec. 24:
Closing at NOON
Christmas Day,
Fri., Dec. 25: CLOSED
New Year’s Day,
Fri., Jan. 1: CLOSED
During this time, you’ll
be able to access our
ATMs, online banking and
mobile app.
MEMBERS MORTGAGE
Use Your Equity Flexibly!
say hello to the Sprint Credit Union Member Discount.
Learn more
• Call: 877.SAVE.4.CU
• Visit: www.SprintStoreLocator.com
• Click: LoveMyCreditUnion.org/Sprint
Keep it simple, with our flat-fee Business Checking account! No per-item charges and a low
monthly fee. A business checking account from MCCU offers:
No minimum balance to open
Unlimited withdrawals, deposits and transfers
Access online, by ATM, or MastercardTM check card
Give us a call at 218
Automatic transfers available
Online check viewing
Business debit card
625-8890 or stop by for more information! MEMBERSCCU.ORG/BUSINESS
GET A BETTER DEAL WITH US!
S AV E A N AV E R A G E O F
546
$
*
on Auto
Insurance
Get a no obligation quote: membersccu.org/insurance
Auto | Home | Renters | Business
*AVERAGE SAVINGS FIGURE OF $546 IS A NATIONAL AVERAGE SAVINGS AS OF OCTOBER 2015 OF AUTO, HOMEOWNER, AND PACKAGED POLICYHOLDERS’ SAVINGS PER CUSTOMER WHEN
COMPARED TO THE POLICYHOLDERS’ FORMER PREMIUMS. INDIVIDUAL PREMIUMS AND SAVINGS WILL VARY.
Check out our new Home Equity Line of
Credit at www.membersccu.org/mortgages
talk about savings.
GET DOWN TO
BUSINESS.
In order to allow our staff
to enjoy the holidays
with their families, MCCU
branches will observe the
following holiday hours:
Consumers
Save
10
%
Businesses
Save
or
15
%
Be sure to mention this code for
your discount
• Consumer: NACUC_ZZM
• Business: NACUC_ZDS_ZZM
Credit union membership
validation is required.
Credit approval req. Early Termination Fee (sprint.com/etf): After 14 days, up to $350/line. IL Discount: Available for eligible company employees or org. members (ongoing verification). Discounts subject
to change according to the company's agreement with Sprint and are available upon request for monthly svc charges on select plans. Discount only applies to data buy-ups/add-ons for Unlimited, My Way
and Framily plans, Talk 450, and primary line on Talk Share 700. Other Terms: Offers and coverage not available everywhere or for all phones/networks/plans. Restrictions apply. See store or sprint.com or
www.lovemycreditunion.org/Sprint. ©2014 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.
On select regularly priced
Sprint monthly service.
Plus, waived activation
& upgrade fees (up to
$36 in savings each).
INSURANCE PRODUCTS ARE NOT DEPOSITS OF MEMBERS COOPERATIVE CREDIT UNION AND ARE NOT INSURED BY THE NCUA. THEY ARE NOT GUARANTEED BY MEMBERS COOPERATIVE
CREDIT UNION AND MAY BE SUBJECT TO RISK. ANY INSURANCE REQUIRED AS A CONDITION OF AN EXTENSION OF CREDIT BY MEMBERS COOPERATIVE CREDIT UNION NEED NOT BE PURCHASED FROM MEMBERS COOPERATIVE CREDIT UNION AND MAY BE PURCHASED FROM AN AGENT OR AN INSURANCE COMPANY OF THE MEMBER’S CHOICE. MEMBERS DIRECT INSURANCE
AGENCY, LLC IS A SUBSIDIARY OF MEMBERS COOPERATIVE CREDIT UNION. BUSINESS CONDUCTED WITH MEMBERS DIRECT INSURANCE AGENCY, LLC IS SEPARATE AND DISTINCT FROM ANY
BUSINESS CONDUCTED WITH MEMBERS COOPERATIVE CREDIT UNION.
U P C O M I N G Congrats to our
S E M I N A R S recent Dollar
Topic: Building Your Retirement Income Strategy
Tuesdays at Miller Hill, from 5-6pm with Carl:
January 12th
Get your FREE Love
My Credit Union
Rewards app and
simplify credit union
membership
validation.
February 9th
March 8th
Wednesdays at Spirit Valley, from 3-4pm with Katie
January 27th
2014 Sprint Item #800-22
©2014 CU Solutions Group 091614 3528
Dog winners!
February 24th
March 30th
August:
Ashton Stansfield
Aviana Bergstand
September:
Aili Huhta
Declan Johnson
1-800-296-8871 | 1-218-625-8500 | membersccu.org
Aitkin | Cloquet | Duluth - BlueStone | Duluth - Miller Hill | Duluth - Spirit Valley | McGregor
What’s an EMV Chip?
In 2016, MCCU will be reissuing debit and credit cards with the
new EMV technology. So what’s an EMV chip?
A more secure way to pay. EMV cards will contain a tiny
computer chip that is read at sale terminals, and provides a
more secure option than traditional magnetic strips.
An easy-to-use option. You’ll simply insert your card into the
base of the sale terminal, and the terminal will read the chip,
letting you know when to remove the card.
TECHNOLOGY
IT’S IN OUR NATURE!
ONLINE BANKING & BILL PAY
Soon to be industry-standard. New laws impacting liability for
fraudulent charges mean both card issuers and retailers want to
have EMV compatibility available so they don’t end up on the
hook for losses due to outdated technology.
Good news for you! It won’t cost you anything, your account
number(s) won’t change, and we’ll keep you informed during
the transition to the new cards!
The Members Messenger is an informational advertisement for Members Cooperative Credit
Union. To be removed from our mailing list, please contact us at (218) 625-8500 or (800) 2968871; or at memberservices@membersccu.org. Federally insured by NCUA.