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April is National Credit Union Youth Month! Show your kids how to get Financially Fit and have them “Pump up” their savings! April 2016 is National Credit Union Youth month. The theme of the month-long event is Credit Union Strong. Infinity FCU Branches will be transformed into financial “health clubs” and our staffers into “personal trainers,” all to encourage kids to get in shape financially. Like all credit unions, INFINITY is a member-owned, not-for-profit financial cooperative. Member education and concern for the community are part of the foundational principles of our business structure. Helping to teach basic money skills to the next generation so they might have brighter futures, embodies both those principles—and that’s what we believe it means to be “Credit Union Strong.” If you have ever been thinking of opening an account for your kiddos, APRIL IS THE TIME! All you need is your child’s Birth Certificate. The $5.00 minimum opening deposit will be provided by Infinity Federal Credit Union! Kids that open a savings account during this event/month not only become members of the “Kirby Kids club,” they will each receive a “Pump up your Savings” gift, and get entered to win one of 4 Wii U Fitness Bundles! Visit the “Youth Account” page of our website for more information.

Spring is a Good Time to Check Your Credit Reports – and It’s FREE! Monitoring your credit history is one of the best ways to protect yourself from identity theft. You are entitled to one FREE credit report annually from each of the three national credit bureaus: Equifax, Experian and TransUnion. While all three reports can be requested all at once, it is recommended that you stagger your requests by ordering from a different bureau every four months. This will allow you to monitor your credit on a quarterly basis for no cost.

To order your FREE Credit reports, visit www.annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta GA 30348-5281

Mortgage Loans Made Simple, and with “Your BEST Interest.” First-time buyer or fourth: Buying a home is stressful! So many decisions - Cape Cod, or Colonial? Split-level, or Salt Box? Adequate storage space? Too much yard, or not enough? And unlike a shopping mistake made at your favorite store with the generous return policy, …with a house, there’s not much room for buyer’s remorse. Before you make any decisions, even before you start looking at houses, we suggest that you talk to Infinity’s local Lending team about your best mortgage options. Infinity’s mantra is “Your BEST Interest.” We mean that both literally and figuratively. We will be with you every step of the way - from offering suggestions on how to bump up your credit score so that you can qualify for our best rate, to providing a clear explanation of every piece of paper you sign at the closing. Call, click, or visit a branch near you for more information.

For More information, Call 1-800-499-8401 Ext: 4110

Is Your Credit Card Rate Too High? Transfer your balances over to Infinity’s NO FEE MasterCard® and Earn Rewards Points While You Save on Interest! Really, There’s NO FEE! — Transfer balances from higher rate cards to our LOW RATE - NO FEE credit card. There’s No Balance Transfer Fee - No Late Payment Fee - No Over-Limit Fee - No Annual Fee - and you’ll earn UChoose® Rewards points every time and everywhere you use it!*

Points can be redeemed for: Travel, Merchandise, Gift Cards, and even Cash!

Rates are based on credit qualifications: MasterCard® Gold is 6.90%* APR, MasterCard® Classic is 11.90% APR, and MasterCard® Essential is 15.90%. Accepted everywhere MasterCard® is accepted! Make Payments easily directly from our Infinity App! *Annual Percentage Rate varies based on credit qualifications. To earn rewards, card must be registered with UChoose Rewards at www.Uchooserewards.com. Visit www.infinityfcu.com for more information.

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Introducing our new High 5 Checking Account with Jump StartSM Direct Deposit You’re going to want to “check” this out! INFINITY has a NEW High interest checking account that has no monthly fees, no minimum balance and 5 SUPER benefits!

It pays tiered rates of 5.00% (5.12APY)* on your average balance up to $5,000 when you meet the minimum monthly requirements.

If the qualifications are not met, there is no penalty, but member balances will only earn base rate APY listed on our rate schedule.*

*Conditions apply. Rates are accurate as of 3/1/2016 and may change after account is opened. Dividend rate is 5.00%.Annual Percentage Yield (APY) is 5.12% on average balances under $5,000. Average balances over $5,000 earn the tiered dividend rate listed on our rate schedule on portion of balance over initial $5,000. If qualifications are not met, all balances earn base rate APY listed on our rate schedule. **If monthly qualifications are met, Jump StartSM Direct Deposit will advance payroll net pay direct deposits by up to 2 days availability of funds ahead of the original scheduled pay date. For further information, terms, and conditions that apply to this type of account, visit the High 5 Checking page of www.infinityfcu.com, or call 1-800-499-8401 ext 4135.

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It’s Our Business to Finance FUN!If you can drive it, we can finance it! We offer loans for all kinds of recreational vehicles, including RVs, boats, waverunners, jet skis and more. So whether it is the open road or the deep blue sea that calls you, we’ve got you covered! Get pre-approved before you shop! Apply in person, by phone, or online at www.infinityfcu.com.

• Rates as low as 3.35%APR*• New, Used, or Refinances• 0% Down Available! (up to book value)• Affordable payment plans (up to 180 months)• In-house processing for quick loan approvals!

*Annual Percentage Rate varies based on credit qualifications and the amount borrowed (boat/RV loans). Refinances for non-Infinity RV loans only.

MONTHLY REQUIREMENTS:

To qualify for stated rate and benefits, members must:

• Provide a valid e-mail address,

• Sign up for e-statements

• Register for Online Banking

• Make at least 10 debit card purchase transactions each month

• Have a Net Pay direct deposit each month (Minimum of $500.00)

BENEFITS:

1. Jump StartSM – Net Pay Direct Deposit -

Get paid UP TO 2 DAYS AHEAD of your scheduled payday!**

2. Foreign ATM reimbursements – (Up to $10.00 per month)

3. FREE Wire Transfers – (Maximum of 2 per month)

4. FREE Overdraft Reimbursement – (Maximum of one annually)

5. 50 FREE UChoose® Rewards Points monthly

Holiday ClosingsMonday, April 18 Patriot’s DayMonday, May 30 Memorial Day

We may be closed, but our automated services are always available:

• Online/Mobile Banking• ATM/Debit Card• Telephone Banking• 24-7 Loan Applications

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Office Hours and TDD AccessMonday through Friday

9:00 AM to 5:00 PMSaturday 9:00 AM to Noon

(Lobby service in Westbrook, Bangor, & Arundel)

Main Telephone: 854-6000Toll Free: 1-800-499-8401

24-7 Loan ApplicationsPhone: 1-800-499-8401

Online: www.infinityfcu.com

FAXWestbrook: 854-6054Portland: 854-6074Bangor: 945-4857Arundel: 282-4927

Lending Department: 854-6064

Mailing AddressP.O. Box 9742

Portland, ME 04104-5060

Branches202 Larrabee Road • Westbrook, Maine

854-60004 Davis Farm Road • Portland, Maine

854-6000193 Broad Street • Suite 1 • Bangor, Maine

945-42841298 Alfred Road • Arundel, Maine

571-1753

http://www.infinityfcu.com

All rates subject to change without notice.

2012 - 2015

We Want to Know - How was your visit? Did you visit an INFINITY branch recently? Well, how was it? We’d love to know! Visit the “Contact us” Page of our website and fill out our “How was your visit survey!” Available anytime, it is a simple 5 question survey and takes just a few minutes to complete. Our goal is to provide you with “Extraordinary Service that Makes a Difference.” If we have, let us know, if we haven’t, let us know that too!

Want to be the first to know about new products, services or promotions? Subscribe to our “Infinity Inbox” emails: Credit Union News - You Can Use! The Infinity Inbox provides financial tips, insightful articles, promotional offers, links to helpful tutorials and information on upcoming events. If you wish to receive these e-mails, please contact your local branch to update or add your e-mail address. As with any e-mail correspondence, you have the ability to unsubscribe at any time.

Notice of Annual Meeting and Board Elections INFINITY’S Annual Meeting will be held on Thursday, May 5, 2016 at 6:00PM at the Fireside Inn & Suites 1 Riverside St, Portland, ME 04103.

The Nominating Committee has received the necessary paperwork from interested candidates for the 3 seats available on INFINITY’s Board of Directors. The candidates are Pam Lemieux, Sam Novick, and Kate Caron. Since there were no petitions received, according to the Bylaws, there will be no need to send ballots for the election process, and nominations will not be taken from the floor at the Annual Meeting. The Secretary will cast one ballot for each candidate listed above.

ATTENTION: Overdraft Line of Credit NOTICE Please note: as of May 1, 2016, the payment on any Overdraft Line of Credit will be 2.00% of the outstanding balance.