MessengerMIDCOAST MIDCOAST FEDERAL CREDIT UNION

QUARTERLY NEWSLETTER SUMMER 2014

WHAT’S HOT Mobile Check Deposit!

Brunswick has a new look! We are proud to announce the Brunswick Office Remodel Project is complete! With service, safety and security as our key objec-tives, along with a little elbow grease and support from local vendors we welcome you to stop in, have a cup of coffee and check out our new digs!

Our first priority was to better utilize the lobby area to enhance the member experi-

ence. This remodel project has afforded us the space to implement two Finan-cial Service Representative (FSR) roles in the Bruns-wick office. Our FSRs are here to provide added value to you, our member, by personally assisting you with products, services and new accounts. Have you ever said, “I want to sit down and talk to someone about mobile banking”, well now you can, while enjoying a hot cup of coffee from the coffee bar!

Behind the fresh new look (especially the orange wall), the project included a number

of infrastructure enhancements. New energy efficiency upgrades, building security and camera upgrades, and fire safety equip-ment improvements were all elements of continued on page 2

“ Member response has been incredible. The project has truly created an environment for us to better engage with our members.”

– Susan Clark, VP Retail Services, Brunswick

Deposit your check with our app and get back to what’s important!

Mobile Check Deposit is a free service to Midcoast FCU members. Federally insured by NCUA.

Over $100,000

in Mobile Check Deposits in just

two months!

Download the APP and enjoy the many other features of Midcoast Mobile including:

Account Inquiries ATM Locator Tools Transfers and Payments Mobile Bill Pay

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We have a new loan designed to bridge the gap—the gap between your savings and financial aid on one hand and the total cost of a college education on the other.Here’s why our loan will help relieve your stress and worry!• Competitive rates and fees• Apply online

• Maine-based loan with a local community partner—us!

• Borrow enough to bridge the gap—up to $40,000 per year (restrictions apply)

• Several payment optionsVisit our website at midcoastfcu.me for more information and to apply online. Or simply call 1-877-964-3262.

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It seems that almost daily there is news of another major IT security breach or data compromise. From the Target card breach to the Heartbleed Open SSL issue to security issues with Microsoft’s Internet Explorer browser, it is difficult to have confidence that your online and purchase activity is secure and safe from being hacked.

Your Credit Union offers a number of technology-related account access services and we are diligent in ensuring these platforms remain secure. What complicates matters is that there are a myriad of computer devices, internet browsers and applications that our members use to access these services that can create vulnerabilities.

Follow these best practices to protect your online activity:

Stay Current: Keep your computer/smart device up to date with all available security

patches and operating system releases. In addition, be sure to update the virus definitions within your anti-virus software.

Use Complex Passwords: Your close atten-tion to maintaining strong password controls can be your best defense against security compromises. Most websites now require strong or complex passwords, however even if they do not it is best to:

• Use a minimum of 8 characters

• Use a combination of upper and lower case letters, numbers and special characters – the more character types the better!

• Avoid dictionary words, proper names, or social security numbers for passwords

• Update your passwords regularly, whether the website requires you change it or not.

Maintain Unique Website Credentials: It is common, however unwise to use the same website credentials (Username/Password) for multiple websites that you visit regularly. No matter how strong that password may be, if you use the same credentials on a less secure website that you also use for online access to your Midcoast account – you may be putting that information at risk.

Protect Your Midcoast Account: By Following These Best Practices

Take MIDCOAST with you and make it a Summer to Remember!

Midcoast joins the

Brunswick cont. from page 1

We look forward to seeing you!

OPEN HOUSE JULY 10

THE NEWLY REMODELED

BRUNSWICKBRUNSWICK

ATTENTION Midcoast Connection Users

Effective July 15, 2014, you will be required to update

your password under more complex password requirements.

AVAILABLE IN JULY!

eSERVICES UPDATE

...and offers:A New Education Loan for College Students!

the project. Collectively, these improve-ments have created an inviting environment for our members and a safe and secure work environment for our employees.

This project would not have been possible without the patience and support of our Brunswick members and staff. We were also very fortunate to work with a number of local vendors to complete this project. A special thank you to Coastal Comfort Plumbing, Curtis Electric, Dirigo Custom Structures, Durfee’s Carpet & Flooring, John Ater

Painting Inc., North East Security and our neighbors from the south, Element Group, J.Johnson Design and OfficeWorks.

RoadTripMIDCOASTSummerYou want quality car and home insurance

that you can depend on and rates you can afford. On average, credit union members who switch save up to $427.96*! Endorsed and made available to you by your credit union, the TruStage™ Auto & Home Insur-ance Program, in partnership with Liberty Mutual Insurance is only available to credit union members. By combining your car and home insurance you may qualify for mul-tiple discounts and get fast 24/7 claims ser-vice (including holidays). When you make a simple phone call, Trustage™ will determine and apply all of the discounts you qualify for quickly and easily.

Call for your FREE, no obligation quote. Toll-free 1-888-380-9287, or

Visit us at TruStageAutoHome.com, or

Meet with one of our local TruStage™/ Liberty Mutual Representatives, both are licensed in Auto, Home, and Life in Maine.

Christian Boucher (Brunswick – Bath Area) 1-207-782-7013 x50010 (Direct) 1-800-586-9035 (Toll-Free)1-207-783-8011 (Fax)

Matthew Oliver (Edgecomb – Thomaston Area)1-207-622-0518 x52906 (Direct) 1-800-868-2024 (Toll-Free)1-207-622-0519 (Fax)

continued on page 4

TruStage™ Auto & Home: Another Great Midcoast Member Benefit!

Join us for our Open House!

Thursday, July 10th5:00pm – 7:00pm6 Station Avenue, Brunswick

Midcoast Connection users love their eServices!

Enroll today and enjoy a taste of eServices!

55%eStatements

39%Mobile

10%eAlerts

Bill Pay 9%

Adventures are fun in my new car! Glad I moved my auto loan to Midcoast! #Vroom

Cole “M.C.” Summer@mcsummer2014

Fueling up with my new Midcoast VISA Debit card. #Pumped4Summer

Cole “M.C.” Summer@mcsummer2014

Paying bills seaside with free Mobile Bill Pay. #Easy

Cole “M.C.” Summer@mcsummer2014

Popp’n in on the “new look” Brunswick Office on my way out of town! #Awesome

Cole “M.C.” Summer@mcsummer2014 Making a free ATM withdrawal...then

off to the ball game! #SweetCaroline

Cole “M.C.” Summer@mcsummer2014

Payroll has been deposited. #Money2Burn

MIDCOAST eALERT!

Low balance! #GetBack2Work

MIDCOAST eALERT!

Picking up goodies for the family with my Midcoast VISA Debit Card. #HomeRun

Cole “M.C.” Summer@mcsummer2014

BONUS! Birthday checks in the mail! Depositing them now with Mobile Check Deposit! #SurfsUp

Cole “M.C.” Summer@mcsummer2014

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by Joseph Gervais, President/CEO joeg@midcoastfcu.me

Recently I was made aware of the passing of a longtime volunteer and supporter of the Credit Union, David E. Desmond, at the age of 87. Being relatively new to the Credit Union and the Bath community, I was unfamiliar with Mr. Desmond and the imprint he had on this institution, the city and the region. Quickly, the news of his passing spread and many long term employees that had the pleasure of personally knowing Mr. Desmond were deeply saddened and aided me in learning more about him.

I learned that Mr. Desmond was a well-known figure in Bath, a successful businessman operating a funeral home for decades in this community providing comfort to many families that have lost loved ones. Mr. Desmond was an active member of St. Mary’s Catholic Church, serving as president of the Parish Council, a lector and Eucharistic Minister for many years. In addition, Mr. Desmond was deeply involved in the better-ment of his community. From the expansion of the Bath Country Club, to supporting the Bath Lodge of Elks, Bath Area Senior Citizens, Bath Area Food Bank, among many others local causes, Mr. Desmond’s positive influ-ence was strong.

In regards to his legacy with the Credit Union, Mr. Desmond served for over thirty years on the Board of Directors, largely in the capacity of President, which is the equivalent of our Board Chairperson role today. In a review of our archives, I found Mr. Desmond’s signature on a number of significant milestones in the Credit Union’s history. Mr. Desmond served as President when the Credit Union first changed its name and charter from St. Mary’s

HolidaysIndependence Week July 4th All offices open until 6:00 pm on Thursday, July 3rd. All offices closed on Friday & Saturday, July 4th/5th.

Labor Day Closed Monday, September 1st

Dispatches from our Community Relations Outreach Committee.$3383 was raised in support of Maine Special Olympics from our annual Battle of the Raffle. Congratulations to our winners!

1st Prize: 4 Red Sox Tickets and $200 Gift Card: Cathie D – Phippsburg

2nd Prize: 2 Red Sox Tickets and $100 Gift Card: Emily L – Bath

3rd Prize: BBQ Grill: Lori S – Brunswick

$500 Scholarships were awarded two deserving Midcoast students from the Diane L. Oceretko Scholarship Fund. Dylan Crowell of Bath will be studying civil engineering at the University of Maine and Margaret Silverman also of Bath will pursuing a degree in economics from Bates College. Congratulations and best of luck this fall!

35 athletes and members of Maine’s Law Enforcement re-fueled at our Edgecomb branch on June 4th as part of the Law Enforcement Torch Run in support of Maine’s Special Olympics.

Concern for Community

Lobby and Drive-Up HoursMonday, Tuesday, Thursday, Friday: 8:00am–4:30pmWednesdays: 9:00am–4:30pmSaturday: 9:00am–12:00pm

Contact Us midcoastfcu.me info@ midcoastfcu.me

Toll Free 1-877-964-3262 (1-877-9Midcoast)

Locations | Hours | Contact

Locations Bath, ME831 Middle St. (207) 443-5531

Brunswick, ME6 Station Ave.(207) 729-8737

Edgecomb, MEU.S. RT 1 • P.O. Box 73(207) 882-7919

Thomaston, ME209 New County Rd.(207) 594-7775

Newsletter Editor: Lori Saucier

The BackstoryCommunity FCU to Bath Area Community FCU in 1975. In 1986, Mr. Desmond presided over the merger with St. Charles FCU in Brunswick and the subsequent name change to Midcoast FCU. He also served as President when the Credit Union merged with Damariscotta’s Fisherman’s CU in 1991.

In review of this one man’s accomplish-ments, it is evident that he possessed a true sense of community. He gave of himself in many ways and touched many lives. Our sympathies go out to his family and those close to him. We thank David E. Desmond for lasting and profound impact he had on the formative years of Midcoast Federal Credit Union.

“ I had the pleasure of knowing David and serving on the Midcoast Board of Directors with him for many years. David always kept our members’ best interests first and provided valuable leadership to the Credit Union.”

-Beverly Emero, Midcoast FCU Director

TruStage cont. from page 2*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. TruStage products and programs are made available through TruStage Insur-ance Agency. Affiliates of TruStage have been providing insurance and finan-cial services designed for credit unions and members for more than 75 years, serving more than 13 million credit union members. TruStage™ Auto Insur-ance Program is made available through TruStage Insurance Agency, LLC and issued by Liberty Mutual Insurance. 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 insur-ance offered 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 offered and is entitled to compensation from TruStage.