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Christmas Club1st MortgagesBALANCE

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Business LendingHoliday Closings

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ScoreCard RewardsAnnual MeetingScholarship

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Indirect LendingSkip-A-Payment

Winter 2017IN

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www.mhcu.org

Save Time and Money with Our New Online Loan Application!

See page 2 for details.

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Online LendingAuto LoanSign Up for eStatementsDid You Know?

Consolidate Higher Rate Loans and Credit Cards With the Help of a Heritage Loan!

• Get a Great Rate and Fixed Monthly Payments• Take Up to 48 Months to Repay• No Prepayment Fee• Entry to Win $500 Payment Toward Your Loan!* Minimum loan amount $500. All MHCU loan refinances must include

an additional $500 in new money. Drawing will occur in February, March and April for previous month’s booked loans. Winner will be contacted via phone and $500 will be made as payment to the loan.

Contact us today!

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Open a Loan, Online!

Open a loan, on your schedule! No need to come to the office.

Our convenient online application process requires only minutes of your time, and you will get an immediate response within minutes of submitting your application.

And, coming soon – membership applications will be available online, too!

To open a loan, go to www.mhcu.org and go to the “Loans” tab. Let our online application save you time and money!

Always Rates as Low as 1.99% APR* on Auto Loans!

Go Green

Sign Up for eStatements

Today!

Sign up for eStatements in January and you will receive a

$10 Walgreens gift card!

It’s easy to sign up! Simply go online to www.mhcu.org. Go to the “eServices” tab and click on

“eStatement Enrollment.”

Did You Know?

eStatement users can access statements from MH Online! Just go to the “Accounts” tab at www.mhcu.org and click on “eStatements.” Don’t have eStatements? Just go to the “Options” tab, click on “Messages,” let us know and we will set you up. No more waiting on the mail or having to file a paper statement. eStatements will archive your statements for 18 months.

No promotion dates. No expiration.

Repayment terms are flexible 100% financing available

Please call, stop by any of our convenient locations or visit our website at www.mhcu.org.

859-259-3466 800-359-3466* APR=Annual Percentage Rate. This credit union and

its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Your rate may be higher based on your credit history. In-house refinances require an additional $500 in new money. Auto loan rate shown based on 100% financing.

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As a member of Members Heritage Credit Union, you are entitled to a special mortgage lending program through SWBC Mortgage Corporation. HomePlusTM offers a one-stop shopping experience with a team of qualified REALTORS® and mortgage lending professionals. CONTACT ME TODAY to learn more about this special program from Members Heritage.

Considering a home purchase or refinance this winter? I can help!

© 2016 SWBC. All rights reserved. 8540-5821. Loans are subject to credit and property approval. Programs and guidelines are subject to change without notice. Rates change daily. Certain restrictions and conditions may apply. First mortgage services provided by our partner SWBC Mortgage. Corporate Office located at 9311 San Pedro, Suite 100 San Antonio, Texas 78216. NMLS #9741 (www.nmlsconsumeraccess.org). Georgia Residential Mortgage Licensee. 8640-4666 11/16

JAMIE MORRISONFinancial Institution Loan Officer NMLS #6298 | GA License #47227

440 Park Place | Lexington, KY 40511Direct: 859.455.7373 Toll Free: 800.359.3466—Ext. 7373

Email: jmorrison@swbc.com Apply online at www.mhcu.org

Christmas Club

It’s never too early to start saving for the holidays! Open your MHCU

Christmas Club account today!

BALANCE

Free Financial Assistance Available! We are pleased to offer our members, BalanceTrack®, an online personal finance education center right at your fingertips! Go to www.mhcu.org today for this FREE service! Click on the BALANCE logo on the lower right of the page under “Educate Yourself”, or call a BALANCE representative at 888-456-2227.

Direct Deposit is…

Quick. Your money is electronically transferred to your account and available to use instantly once the transfer is complete.

Easy. There’s no need to arrange for a special deposit or trip to the credit union.

Safe. Direct Deposit puts money in your account on time, every time!

Secure. Worries about lost, stolen or misplaced checks are a thing of the past with direct deposit.

Call now to set up your direct deposit with Members Heritage today!

859-259-3466 800-359-3466

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Need a little cash after the holidays?

You can now skip a loan payment* and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped.

To take advantage of this offer, you can either sign up via our new Skip-A-Payment Online Form or print out a form online and return it by mail or to any of our convenient locations. The Skip-A-Payment form (both online & print versions) can be found at www.mhcu.org (Under Loans/Apply Online/Skip-A-Payment).* In order to participate, all loans must be current and accounts must be

in good standing. Loans that have an extension or payment modifica-tion within the last year may not qualify. This offer does not apply to first mortgages, home equity loan/second mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability, credit life insurance and/or GAP claims may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply.

Jan. Feb. Mar.

Indirect Lending Program

Put yourself behind the wheel of a new car this year with MHCU’s Indirect Lending Program. You can find your dream car, finance it directly on the lot and drive away, all in the same day!

Simply tell the salesperson that you are a Members Heritage member, and you want your loan with us – no need for a special trip to the credit union. Indirect Lending dealers can even open new accounts, so your family may also be eligible for our financing. For a list of participating dealerships close to you, go to www.mhcu.org or give us a call at 859-259-3466.

Skip-A-

Payment

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Have ScoreCard Reward Points to Redeem?

Go to ScoreCardRewards.com and enjoy a diverse range of products to choose from:

Cash Back Credit Gift Cards Charity Gift Card – choose from over 1,000 charities to donate money! Gifting to another individual*

And don’t forget, we also offer merchandise and travel rewards with our ScoreCard program!* Some restrictions apply. See scorecardrewards.com for complete details about gifting

to another individual.

2017 MHCU Youth Scholarship

MHCU is pleased to announce the return of our annual Youth Scholarship program.

Graduating high school seniors are encouraged to apply for the $2,000 award. A total of three winners will be chosen. To qualify, a student must:

Be a member of the credit union, Plan to be enrolled full-time in undergraduate study at an accredited college or university in Fall 2017, and Have a minimum grade point average of 2.50

An impartial committee comprised of MHCU volunteers and employees will select recipients. Winning students will be notified before the close of the school year. Deadline for entry is March 31, 2017.

For more information, pick up an application form at any of our locations or visit www.mhcu.org and print out a form under Loans/Apply Online/Scholarship Application.

Come and celebrate MHCU’s 57th Anniversary this year at the Annual Membership Meeting!

Date: April 2017Location: Fayette County Extension OfficeLight refreshments: 6 p.m.Meeting: 7 p.m.

Tickets will be available at all branch locations in March. Meeting date to be announced.

Annual Meeting

MHCU Board of Directors

440 Park Place | Lexington, KY 40511

Bobby A. Flynn – ChairmanJim Allen – Vice ChairmanMike Proctor – SecretaryManlus “Les” Burton – TreasurerMike Harding – DirectorMichelle Thomas – Associate Director

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from ©iStock and/or ©Fotolia. ©2017 Members Heritage

Federally Insured by NCUA

Like us on Facebook!www.fb.com/MembersHeritage

Holiday ClosingsHoliday Closings

Park Place440 Park PlaceLexington, KY 40511859-259-3466800-359-3466Fax 859-455-7281Lobby HoursM–F 8 a.m. to 5 p.m.Sat. 9 a.m. to noonDrive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to noon

Federal Medical Center (FMC)(Employee Access Only)3301 Leestown RoadLexington, KY 40511859-255-7687800-359-3466Fax 859-255-7687Lobby HoursM–F 8 a.m. to 4:30 p.m.

Pimlico3202 Custer DriveLexington, KY 40517859-259-3466800-359-3466Fax 859-455-7255Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to noon

Members Way2420 Members WayLexington, KY 40504859-259-3466800-359-3466Fax 859-455-7302Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to noon

Winchester 339 Shoppers DriveWinchester, KY 40391859-737-3671800-359-3466Fax 859-737-3675Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to noon

Lexmark(Employee Access Only)Lexmark Building 003Lexington, KY 40511859-259-3466 800-359-3466Lobby Hours M–F 8 a.m. to 4 p.m.

Nicholasville1039 N. Main StreetNicholasville, KY 40356859-887-3674800-359-3466Fax 859-887-3819Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to noon

Locations and Hours

New Year’s DayMonday, January 2

Martin Luther King Jr. DayMonday, January 16

Presidents DayMonday, February 20 IN

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Business Lending

MHCU offers Business Accounts and Loans! Companies can choose from our Basic and Classic Business Share Draft Checking accounts. We also offer Commercial Real Estate Loans, Corporate Vehicle Loans and Secured Operating Lines of Credit.* For more details on Business Accounts, please contact us at 859-259-3466; for details regarding business loans, contact our Cooperative Business Services partner, Sean Riley, at 502-533-3136 or email at sriley@cbscuso.com.* Minimum loan amount = $50,000. Membership eligibility requirements apply.

Visit Us Online. Be sure to check out www.mhcu.org on

a regular basis. Find news, articles and

information about your credit union.