NewsNotesCFCU Community Credit Union - Fall 2014

Using MyMoney could win you a brand new Digital SLR Camera package!

Using MyMoney makes it easy to see your entire financial picture in one place. You can view all ofyour accounts, even thosefrom other financial institutions, all on the samepage.

With MyMoney it’s simple tocreate, manage and track your personal financial goals and budgets.

Need another reason to use MyMoney? Now through October 31st, 2014 just logging into MyMoney and adding an account enters you into a drawing to win Canon Rebel Camera Package!

Picture Yourself A Winner!

CFCU & Big Red Tailgates!Join us for FREE fun, food and music at the CFCU and Cayuga Radio Group sponsored tailgating events for Cornell Football! You’ll find our tailgating events before the Cornell Football home games on the following Saturdays:

October 4thOctober 18thNovember 1stNovember 8th

November 22ndCome enjoy some snacks, make a sign to cheer on Big Red, listen to music and play some games!

NO PURCHASE NECESSARY. Go to mycfcu.com/budget for o�icial rules & alternate method of entry.

What’s your recipe for success? It shouldinclude our new Bump-Up Certificate.

Not only do we have some of the best local rates you can find, we are adding a feature you have been waiting for!

Many investors, like you, are waiting for a rising rateenvironment to invest their hard earned dollars into Certificates.

This new product from CFCU gives you the opportunity to earn some of the best local rates now, and have a chance to bump-up your rate later with our new Bump-Up Certificate!

Guaranteed returns, and a chance to bump up your rate to adapt to a rising interest rate environment? That is a recipe forsuccess.

Learn more about our new Bump-Up Certificate atmycfcu.com/bump

Option to bump up one time only during the initial term requires you to visit a CFCU branch before the maturity date. The bump up rate will stay in e�ect for the remainder of the term. The Certi�cate is automatically renewed into a regular Certi�cate closest to without exceeding the term at maturity.

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You asked, we answered.

CFCU Can Now Fit In Your Pocketwith our new Mobile Banking!

Our mobile banking features apps for the phone, tablet apps, text banking and alerts!

It’s easier than ever to access your CFCU information now. Our apps are available for both iPhone and Android devices and are designed to make your banking as quick and simple as possible.

To use our apps, simply download the app from iTunes or Google Play, enter your regular Online Banking User ID and password, and you’ll be up and running!

Our Text Banking allows you to shoot o� messages like “bal” or “bal checking” to a specified number and receive instant, up-to-date, balances and inquiries into your accounts.

To learn more about our mobile banking, head to mycfcu.com!

We’re showing our members just how much we appreciate them by celebrating International Credit Union Day on October 16, 2014.

International Credit Union Day has been celebrated since 1948. This day recognizes the achievements of the Credit Union movement, honors those who have dedicated their lives to the movement, and shows our members how much we truly appreciate them.

Stop by one of our branches on October 16th and receive a token of appreciation for your membership. We’ll be giving out treats and “Our Beautiful Fingerlakes” calendars to our members.

With the theme of, Local Service. Global Good., International Credit Union Day also aims to spread awareness about all of the good that Credit Unions do throughout their communities. To see the many ways that we give back to the community, visit mycfcu.com/impact.

Is it always smart to buy the least expensive item? What might happen?

• The cheapest item is likely to be the cheapest in quality as well. It may fall apart, or may not function as well as something that's better made (and more costly). You might end up having to buy the more expensive item a�er all.

• Buying the most expensive item isn't always wise either. Items may be "marked up" in price because of a brand name, even when the quality is the same as a less famous brand.

• Compare items carefully, reading all labels and packages. The cheaper version of a medicine or toiletry may be very e�ective if it has the exact same active ingredients as the more expensive brand. On the other hand, an imitation fashion brand might be made of flimsier material or the seams might not be finished properly. Examine items closely and comparison shop. It is also wise to look up items online and read what other people say about them. If a less expensive item still gets a five-star rating from many people, it is probably worth buying.

CFCU Insight: Cheap vs. Expensive

Don't forget the old adage: "You get what you pay for."

Worried about FRAUD? We can help!

Download our new e-book, Twists of Fake, to learn about how to avoid fraud and scams.

The book goes into detail about popularscams and the ways you can safeguardyour personal information. You’ll findhelpful chapters such as, “Beta Bots, Malware and Scams,” “Online Scams,”“Phishing,” and much, much more!

At CFCU, we want you to feel confident in your financial security.Download this FREE e-book today atmycfcu.com/insights.

You don’t have to sacrifice style just because you’re on a budget. If you are looking to style a new home or simply to revamp your current home, there are multiple options available. Here are some simple home decor options on a budget:

Children’s Rooms- Instead of buying art, pick a varietyof black frame sizes and rotate your children’s art for a true gallery appearance without the cost.

Furniture- Shop garage sales, estate sales and local re-sale stores that specialize in second-hand options from hotels. You will typically find great bargains at rock bottom prices. Plus, you can o�en negotiate the prices down too! There are great local places where you can find deals on used items.

Accessories- Search around your own home for items you can rearrange or repurpose. Add pillows to sofas or chairs- rather than buying the pillows (unless you find a great deal), search for bargain fabrics and make them yourself.

Paint/ Wallpaper- Adding paint to any room, whether wall-to-wall or on a focus wall, will transform the space for a small investment. Add a similar e�ect by choosing wallpaper to place either within a small space, such as a powder room, or on a single wall to act as an accent. With so many color and texture choices, you will be able to find something to work around your existing decor.

Any one of these ideas can add style to your home within any budget!

talk about savings.

C redit approval req. E arly Termination F ee (s print.com/etf): After 14 days, up to $350/line. IL Discount: Available for eligible company employees or org. members (ongoing verification). Discounts subjectto change according to the company's agreement with S print and are available upon request for monthly svc charges on select plans. Discount only applies to data buy-ups/add-ons for Unlimited, My Wayand F ramily plans, Talk 450, and primary line on Talk S hare 700. Other Terms : Offers and coverage not available everywhere or for all phones/networks/plans. R estrictions apply. S ee store or sprint.com orwww.lovemycreditunion.org/S print. ©2014 S print. All rights reserved. S print and the logo are trademarks of S print. Other marks are the property of their respective owners.

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Home Decor On A BudgetYes, there really is a "right" day to shop for clothes (and a right day for groceries, home décor, airline tickets, electronics and more). Shopping at the right time will save you cash at the checkout, so if you want to stretch your dollar just a little bit further, read on!

Thursday is the DayMost retail shops start getting ready for the weekend rush on Thursdays. They begin to mark down the weekend's sale items so they can restock racks with new merchandise. The later in the day you shop, the more items you will find that are discounted.

Shop O�-SeasonIt's tempting to go for the new fashions right as the new season begins. But if you wait until mid-season, you're sure to get a much better deal. That's when deep sale prices begin. Of course, you might miss out on the most popular pieces, but large chain retailers can o�en transfer in garments from other stores. Or, you can go for the not-as-popular but much more original pieces that are still on the racks.

Go for ClearanceIf you plan ahead, you can find some great deals on end-of-season outfits. Pick up next year's winter coat at the beginning of spring, and stay motivated to eat right during the winter by buying next summer's bathing suit in the fall.

Shop for Clothes on the Right DayCFCU Insight: CFCU Insight:

Say hello to the Credit Union Member Discount.

Be sure to mention this codefor your discount:

Credit Union membership validation is required.

Learn more- Call: 877.SAVE.4.CU- Visit www.sprintstorelocator.com- Click: LoveMyCreditUnion.org/Sprint

Get your FREE LoveMy Credit Union Rewards app andsimplify credit unionmembership validation.

On select regularly pricedSpring monthly service.

Plus, waived activation &upgrade fees (up to $36 insavings each).

Protect what is really important.We o�er FREE $1,000 Accidental Death & Dismemberment coverage to all of ourmembers through TruStage.

Visit mycfcu.com/free to get your FREE coverage today!

TruStage products and programs are made available through TruStage Insurance Agency. Affiliates of TruStage have been providing insurance and financial services designed for credit unions and members for more than 75 years, serving more than 13 million credit union members.TruStage™ Auto Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance o�ered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be o�ered and is entitled to compensation from TruStage.*

Figure reflects average national savings for customers who switched to Liberty Mutual’s group auto and home program. Based on data collected between 1/1/2012 and 6/30/2012. Individual premiums and savings will vary.