QUARTERLY SPRING ISSUE 2018

JOPLIN METRO CREDIT UNION

With spring and summer right around the corner that means vacations and weekend geta-ways are being talked about and plans

being made.

We want to remind you that with Shared Branching everywhere you travel we are

there with you!

There are more than 5,000 branch loca-tions NATIONWIDE that participate in

this program.

What that means for you is the ability to make cash withdrawals, make deposits, make loan payments, transfer between accounts and the best part is there’s no charge for you to use this service!

If you are traveling for business or for pleasure, shared branching is an ideal solution for any situation. It’s easy and

it’s convenient.

Just make sure that you know your ac-count number and that you have a cur-

rent ID with you.

Understand that shared branching doesn’t mean that you can apply for loans, open or add someone to your account, open a CD or an IRA or that they can answer questions regarding

your account with us.

Traveling should be carefree and fun,

shared branching helps with that!

DON’T FORGET TO JOIN US!

Easter Egg Hunt Saturday - March 24, 2018

3301 Texas Ave.

Starts at 1:00 pm STARTS ON TIME! NO EXCEPTIONS WILL BE MADE

Cancelled if Raining

YOU STILL HAVE TIME TO SUBMIT

YOUR ESSAY FOR ONE OF OUR $500 SCHOLARSHIPS!

Both offices have details and information, or you may

download the information from our website at

www.joplinmcu.com

This year there are two

themes to choose.

Deadline is April 13, 2018

PROTECTING the ONES

YOU LOVE

STORM SHELTER LOANS

Living in Missouri, you can count on certain things to occur, unfortunately bad

weather and the possibility of tornadoes is high on the list.

We are all about you protecting yourself and your loved ones as spring ap-

proaches with a storm shelter loan!

From now through March 30, 2018 finance that “peace of mind” that a storm shelter brings AND receive a $25 Visa Gift Card if your loan closes by March 30,

2018.

Get ahead of the storm season!

2.85% APR

Up to 42 months repayment terms

Maximum loan amount of $8,000

Receive a $25 Visa Gift Card if shelter loan closes by March 30, 2018

PROMOTIONAL GIFT OFFER EXPIRES MARCH 30, 2018

ANNUAL MEETING DETAILS INSIDE NOTE CHANGE IN REGISTRATION AND MEETING TIMES

Time is running out! If you have thought about becoming

a part of our credit union Board of Directors/Supervisory Committee

now is the opportunity to do so.

There are currently 4 positions

available on our Board of Directors.

If you are interested, please contact our

credit union at

417-623-9816

Deadline is April 13, 2018

ANNUAL MEETING TIME

Thursday - April 26, 2018 First United Methodist Church

501 W. 4th Street/Joplin

REGISTRATION STARTS AT 5:45 PM MEETING STARTS AT 6:30 PM

BOTH OFFICES WILL CLOSE AT 5:00 PM We apologize for any inconvenience this might create but our employees need to be available for the 5:45 registration

PIZZA SODA COOKIES

PRIZES LOTS OF PRIZES PRIZES

See You There!

Page 2 Quarter ly SPRING Issue 2018

For the 4th year in a row we won “Favorite of the

Four States.”

Thank you to everyone

that voted for us!

We appreciate it very much.

Who loves their credit union? Refer a family member or a co-worker now through April 25, 2018 and you could

win $200 at our annual meeting!

Join the credit union and you could win $100

Must be present to win drawings

REMEMBER ONLY JMCU MEMBERS ARE ELIGIBLE TO WIN PRIZES!

What’s Been Going On...

We “Wowed The Crowd” at the Joplin Business EXPO 2018!

Our booth received the award for the “WOW FACTOR.”

Thank you to Karen Jones and Laura Dobbs for decorating the booth and participating in the 2 day

event.

We participated in the Carl Junction Business EXPO Saturday March 3, 2018. This year’s theme

was “Welcome To Paradise”

We think we did a great job on the theme!

Are you using our Mobile Banking App? With JMCU Mobile Banking and the JMCU Banking App for iPhones and Androids, you can access your account from

your mobile phone anytime, anywhere.

Check your balances, pay bills, transfer money, and locate ATMs and banking centers with just a touch. Use your CU

Online login to start banking today.

Page 3 Quarter ly SPRING Issue 2018

WITH SPRING APPROACHING THOUGHTS TURN TO HOUSE BUYING As the temperatures rise, so does “house fever!” People find themselves desperately wanting to buy a house,

but their “financial house” is not in order.

Since all plans have to start somewhere, here is a checklist for making sure that you’re truly ready to buy a

home. This checklist follows a one year plan.

One year before you buy a house you need to check your credit report. People often overlook this step

thinking that their credit report must be correct. Wrong. You would be surprised at what may be affecting your

credit report . Get free credit reports via AnnualCreditReport.com.

Work on improving your FICO credit score. See if you can improve your credit score as much as possible in one year! The easiest start would

be to make sure that you are simply paying your bills on time. Start taking care of any bad marks you might have against your credit report.

Protect your identity while you save. Save as much money as possible. Remember that even a minimum ten-percent down payment will give you the most options with your financing. Pay your bills on time. You may want to opt for automatic bill pay. Did you know that a single 30-

day late payment can knock your FICO score down 100 points, and it can take a long time to restore?

Six months before you buy a house you need to explore your mortgage options. Should you go for a fixed rate or a variable rate mort-

gage? Most people prefer the fixed rate mortgages because there won’t be surprises with this type of loan. Understand the cost of owning a home. Owning a home goes way beyond your mortgage payment. You will have your mortgage, your homeowner’s insurance, property taxes, and repair costs to name a few. Owning a home can be more expensive that people think! Boosting your savings to make sur e you have

enough for a decent down payment.

Three months before you buy a house. At this point, the most important thing is to establish stability. This means get your credit card bal-

ances even lower-so much lower that you are well below your available credit limits. And DON’T do anything to harm your credit rating, such as

opening or closing multiple accounts. Slow and steady.

Two months before you buy a house is the time to see how good were you. What kind of mortgage rate will you get with your FICO score?

Make sure you do all your mortgage shopping within a short period of time (in a one-month period, for example) to limit dings on your credit re-port. Once you choose a mortgage, getting pre-approved will strengthen your position with sellers. You may want to consider a mortgage bro-ker—especially if your credit is iffy. Go home shopping. Narrow down the neighborhoods you would like to live in, and find a good real estate

agent!

Time to buy your house! So you have finally found your dream house and your offer has been accepted! Any good real estate agent will

walk you through getting an appraisal, an inspection, and doing a walk-through if necessary to make sure your agreed-upon repairs have been done. They will also help you determine how much money you will need at your closing. Finally, shop around and obtain homeowner’s insurance

for your new home.

One year may seem like such a long time when you want to buy a new house now. However, a little hard work and diligence will make the time

fly, and it will surely pay off in the end.

And when it’s time to buy that new home don’t forget your credit union for mortgage loans! Visit with Teresa at our 716 Pearl office or Laura at

our 3301 Texas location for the best mortgage for you and your family.

This article was taken from The Digerati Life

Certain restrictions may apply. This promotion does not ap-

ply to current JMCU loans. Refinanced loan must be trans-

ferred from another financial institution.

CAR PAYMENTS

For 60 DAYS

TALK TO OUR LOAN DEPARTMENT TODAY! PROMOTION VALID APRIL 1- JUNE 15, 2018

LOCATIONS MAIN OFFICE

3301 Texas Avenue Joplin, MO 64804 Phone: 417-623-9816 Fax: 417-627-1004 BRANCH OFFICE

716 Pearl Avenue Joplin, MO 64801 Phone: 417-627-1000 Fax: 417-781-8755 LOBBY HOURS

Monday, Tuesday, Thursday, Friday 9:00 am - 5:30 pm Wednesday 10:00 am - 5:30 pm ****************** DRIVE—THRU HOURS* Monday, Tuesday, Thursday, Friday 8:00 am - 5:30 pm Wednesday 10:00 am - 5:30 pm

Saturday 9:00 am - NOON *These hours apply to both locations

ATM NIGHT DEPOSITORY ONSITE AT BOTH LOCATIONS

Quarter ly SPRING Issue 2018

HOLIDAY CLOSINGS

Annual Meeting

Thursday — April 26th

Closing at 5:00 pm

Memorial Day

Monday — May 28th

July 4th

Wednesday

PROTECT IDENTITIES AT WORK No matter how comfortable or familiar you may feel on the job, you need to protect yourself against workplace-related identity theft risks. You also have a responsibility to protect the personal or sensitive information of your colleagues and employers. If you deal with the personal information of cus-

tomers or clients, your responsibility is even greater.

For everyone’s sake, including your own, make sure you understand and follow all organization security and privacy

policies. Practice good online and offline identity protection habits such as the ones listed below:

Lock up your purse or wallet when it’s not with you. Too often, payment cards, checks, and other identity-related items are stolen at the workplace. Also lock up personal and employer-assigned mobile devices, ID

badges, and workplace access cards when not is use.

Don’t put your personal information at risk in the case of a workplace security breach. Never reuse person-al passwords for work, log into personal accounts from work, or store personal data or material on work computers or devices. Be sure and keep all work passwords and user names confidential. Don’t write them down and store them in your work area. It’s best to securely store all documents and other items

containing your or others’ personal information at the end of the workday.

Verify the identity of anyone who claims to work for or with your workplace and asks you to share personal or sensitive information in person, online, over the phone, or by mail. You need to be aware of anyone who is around you when you input, share, or access sensitive information. Shield screens, keyboards, or key-pads when necessary, if speaking, take eavesdropping precautions. Make sure you thoroughly shred un-wanted documents containing others’ personal information. If needing to step away from your computer,

log off and close all screens from your computer.

Be extra vigilant about personal information safety when temporary workers, service professionals, delivery people, or other visitors are present. Never assume work computers, software, and internet security sys-tems will prevent you from accidently introducing malware. Immediately report any signs or suspicions of

malware or security breaches according to your employer’s procedures.

LOOKING FOR SOME ODD SIGHTS TO VISIT THIS SUMMER?

How about the world’s largest fork located in Springfield, MO? It stands 35 feet tall!

Where else but in Chesterfield, MO can you see a 70 foot giant

clawing its way out of the ground?

CHECK OUT UNIQUE PLACES IN MISSOURI TO VISIT!

With summer approaching kids may be looking for ways to earn money. Here are just a few that might interest and make them a little cash for the summer!

• Do chores for neighbors/help the elderly. Elderly people often have odd jobs that they

are unable to do for themselves, or errands they need someone to run. Parents need to

make sure that they feel comfortable with the neighbors their children are helping.

• Pet sit, or dog walk for your neighbors. If your kids are comfortable around animals, pet

sitting or dog walking is a great way to easily earn some money. Dogs and cats will usu-

ally need some pet sitting, but people will also be interested in caring arrangements for

fish, amphibians, reptiles, etc.

• One of the most popular ways to make money in the summer are lemonade stands.

Did you know...only 8% of all the “money” around the world is actual physical cash? The

rest is digital money that exists only on computers. Think about how often we buy or sell

things online, or transfer money from one account to another with a simple phone call. The

money goes from one place to another, yet we never actually see or touch it. This digital

existence of currency makes up the vast majority of all cash around the world today.