FOR THE MEMBERS OF COLUMBUS METRO FEDERAL CREDIT UNION

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CALL FOR APPLICATIONS

Credit unions are member-owned cooperatives, and this is your chance to participate in the democratic process.

We are currently accepting applications for our board of directors. To be considered, you must be, at minimum, a credit union member in good standing and willing to serve on a volunteer basis. You should be able to dedicate a few hours a month to board activities, including a meeting during regular business hours.

To apply, send your résumé and a brief cover letter to:

Nominating CommitteeColumbus Metro FCUPO Box 13240Columbus, OH 43213-0240

Applications must be received by November 8, 2019, to be considered.

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Jump Start Your Emergency Fund

Equifax Settles Data Breach

Connect With Confidence

Own Your Dream

www.columbusmetro.org

YOU’LL FALL FOR BETTER ONLINE BANKINGWe’re always looking for ways to enhance our members’ online experience with us. This fall, we’re pleased to launch two new services designed to do just that: mobile e-statements and online account opening.

Mobile E-statementsMembers who receive their account statements electronically can now view them through the MetroWeb Mobile app. Previously, e-statements were only available through the desktop version of MetroWeb.

To access your e-statement with mobile banking, simply log on to our app, tap on the card for the first share or loan on your dashboard, and choose Documents from the menu. Please note: If you access multiple accounts through one login, you’ll only be able to view the e-statements for the account you’re logged on to.

Coming Soon: Online Account OpeningBoth new and existing members will benefit from online account opening, which should be available on our website in mid-October.

Current members will be able to add a checking account, secondary share, Super Money Market or share certificate to their existing Columbus Metro account. Prospective members can join the credit union by opening a primary share account as well as the others listed above. Accounts opened online can be funded with a transfer from a savings or checking account at Columbus Metro or another financial institution; with credit or debit card; through PayPal; or by mailing a check.

For more information or for personal assistance with these or any of our online services, call, stop in or visit www.columbusmetro.org today.

Super Money Market$1,000 to $2,499 ......... 0.15% APY$2,500 to $4,999 ..........0.50% APY$5,000 to $9,999 ..........0.75% APY$10,000 or more ..........1.75% APY

6 Month Share or IRA Certificate$1,000 minimum ......... 1.30% APY

12 Month Share or IRA Certificate$500 minimum ............. 1.60% APY

15 Month Share or IRA Certificate$500 minimum ............. 1.60% APYAllows deposits of $250 or more

36 Month Share or IRA Certificate$500 minimum ............. 2.30% APY

60 Month Share or IRA Certificate$500 minimum ............. 2.55% APY

Education Growth Fund Certificate$250 minimum ............. 3.50% APY

Vehicle Loan (2019 to 2020)As low as ...................... 3.99%*Up to 72 months

Vehicle Loan (2015 to 2018)As low as ...................... 4.49%*Up to 66 months

Vehicle Loan (2014 & older)As low as ...................... 5.49%*Up to 60 months

Credit CardsVisa Platinum .... 9.90-13.90% APR*

Home Equity Loan—Fixed RateCall for ratesUp to 180 months

Home Equity Line of CreditRedi-Line ......................4.75% APR

First MortgagesContact us at ext. 3408 ormortgage@columbusmetro.org

Rates current as of 09/09/19 and subject to change without notice. See a Member Services Representative for full details. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Loans made subject to standard loan approval guidelines. *The rate you pay may vary based on your credit history and/or loan-to-value ratio.

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Federally insured by NCUA

JUMP START YOUR EMERGENCY FUNDWhat if you needed $400 tomorrow to cover a car repair, emergency room visit or other unexpected expense? If you’re like 40% of Americans, you’d have to use a credit card or borrow money to cover it.

Having money set aside for the unexpected is essential to your long-term financial health. Here are three easy ways to jump start an emergency fund:

1. Open a savings account. Use your existing Columbus Metro primary share, or open a secondary share specifically for this purpose. You can have up to five secondary shares on your account and create custom names like “Emergency Savings” or “Rainy Day Fund”. That makes it easy to keep emergency savings separate from other money you might be putting aside.

2. Set up automatic savings. Once you have a designated savings account, you can set up automatic transfers from your checking account every payday or on the first of the month. That way, you won’t forget to make the transfer or accidentally spend funds you wanted to save.

3. Make a promise. Saving money can be exciting at first. After a while, it’s easy to lose momentum or think about spending your emergency fund on something fun. Instead, go to www.americasaves.org and take the America Saves pledge. They’ll send you reminders to save along with tips and tricks to help you succeed.

You can’t prevent the unexpected, but you can be prepared. Start your emergency fund today!

CLARA HAZLETT RETIRESClara Hazlett, a longtime member of the Columbus Metro FCU board of directors, retired effective June 30.

Mrs. Hazlett has been a credit union member for over 58 years and was first elected to the board of directors in 1992. She served 19 years as the board’s second vice chair.

We appreciate Mrs. Hazlett’s long and distinguished service to the credit union and its members. Although she is no longer an active member of the board, she has been awarded the title of board member emeritus and will remain involved on a limited basis.

OWN YOUR DREAMIf you’ve been dreaming about home ownership, there’s never been a better time to make that dream a reality.

At Columbus Metro, we offer mortgage loans to fit any budget, down payment and credit history. Fortunately, you don’t have to sort through all the loan options on your own. One of our experienced mortgage specialists will walk you through the entire process, from application to closing.

We offer: • Free credit review and loan pre-approval • A variety of loan programs including FHA, VA and low down payment options • Competitive rates and low closing costs • Fast processing with a personal touch

For more information, visit www.columbusmetro.org or contact our mortgage specialists at 614.239.0210 ext. 3408 or mortgage@columbusmetro.org.

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.

NMLS 264583 & 564092

International Credit Union Day Is October 17On October 17, credit union members around the world will celebrate International Credit Union Day.

There are 200+ million credit union members worldwide – more than 118 million in the U.S. alone – and Columbus Metro joins them in celebration of the not-for-profit cooperative spirit that all credit unions share.

This cooperative spirit has led to life-changing opportunities for people all over the world who’ve wanted to start a small business, own a home or continue their education but were denied access to other financial institutions. In many parts of the world, people’s first taste of democracy is through their credit union, where “one member, one vote” is the governing structure.

At its most basic level, a credit union is people pooling their money to provide each other with affordable loans – it is literally people helping people. This is why Columbus Metro celebrates ICU Day. Because credit unions empower people, wherever they are in the world or life, to take control of their financial future.

BY PHONE614.239.0210800.986.3876

BY FAX614.239.0988

BY EMAILcmfcu@columbusmetro.org

BY MAILP.O. Box 13240Columbus, OH 43213-0240

VISIT US4000 E. Broad St.Columbus, OH 43213

6623 E. Main St.Reynoldsburg, OH 43068

5600 N. Hamilton Rd. Gahanna, OH 43230

DSCC Building 20Room B110S

DFAS Building 21Room A132

24-HOUR SERVICESMetroWebwww.columbusmetro.org

Bill Pay Support844.357.5638

Visa® Balance & Payment Inquiries800.442.4757www.gotomycard.com

Lost or Stolen Visa800.442.4757

Lost or Stolen Debit MasterCard®

800.528.2273

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EQUIFAX SETTLES DATA BREACH If you were affected by Equifax’s 2017 data breach, you can now file a claim for a piece of the settlement that’s worth $575 million to $700 million.

What you can getYou could be eligible for several types of compensation, depending on how you were affected by the breach. All affected consumers can get 10 years of free credit monitoring for all three credit reports. If you already have a credit monitoring service and don’t want the free one, you can receive $125.

If you had an ID theft issue that occurred after the hack and involved personal data that was exposed by the breach, you could be reimbursed up to $20,000 for expenses related to resolving it.

Filing a claimThere are two ways to file a claim: online at www.equifaxbreachsettlement.com or by mail. You can print the claim form on the website, or you can call 1.833.759.2982 to have one mailed to you. The deadline for filing a claim is January 22, 2020.

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You want car and home insurance that you can depend on and rates you can afford. On average, members who switch save up to $782*. Make a simple phone call today to determine the discounts you qualify for.

TruStage® Auto & Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. *Average combined annual savings based on countrywide survey of new customers from 8/1/16 to 8/1/17 who reported savings from prior insurers’ premiums when they switched to Liberty Mutual. Savings comparison does not apply in MA. Coverage provided and underwritten by Liberty Mutual Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116 USA. Equal Housing Insurer © Liberty Mutual Insurance Company. © TruStage Insurance Agency 2018

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YOU COULD SAVE ON YOUR CAR AND HOME INSURANCEDesigned for credit union members

AUTO & HOME INSURANCE

Call for your FREE, no obligation quote.

Toll-free 1-888-380-9287Visit us at TruStageAutoHome.com

CONNECT WITH CONFIDENCEHelpful Hints to Keep You Cyber Safe

The line between our online and offline lives is indistinguishable. In these tech-fueled times, our homes, social lives, schools and workplaces and even our national security are impacted by the internet.

October is National Cybersecurity Awareness Month, and this year’s theme is Own IT. Secure IT. Protect IT. Make sure that you and your family are being cyber smart with these tips:

Own IT • Only use sites that begin with https:// when shopping or banking online. • Understand the personal information you knowingly (or unknowingly) put on social media. • Don’t respond or click on links from people or organizations you don’t recognize. • Never share your personal information if you’re unsure who’s asking

Secure IT • Apply multifactor authentication to your accounts ASAP. • Always lock your personal or work laptop or mobile device when unattended in a public place. • Use the longest password possible and be creative. • Check your app permissions frequently.

Protect IT • Look for the “green lock” icon when online, it signifies a secure connection. • Use your personal hotspot in public places; it’s more secure than free Wi-Fi. • Make sure you’re using the latest security software, web browser and operating system. • Secure your Wi-Fi network and digital devices by changing the factory set password and username.

For more information about staying safe in the digital world, visit www.staysafeonline.org.

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P.O. Box 13240Columbus, OH 43213-0240

Presorted STDU.S. Postage

PAIDWC

VETERANS DAY Monday, November 11

THANKSGIVING DAY Thursday, November 28

CHRISTMAS DAY Wednesday, December 25

NEW YEAR’S DAY Wednesday, January 1

CREDITViews

As a reminder, you should NEVER share your MetroWeb ID and password with anyone, and Columbus Metro will never ask you for it.

Fraudsters often ask for login information so they can deposit a check or checks to the victim’s account. They might say the money is free, a loan or part of a business proposition. While the check is being processed, the fraudster convinces the victim to send them all or part of the money. When the check is returned as fraudulent (which can take several days or weeks), the victim is on the hook for the funds.

If you have given someone access to MetroWeb, call 614.239.0210 or 800.986.3876 to speak to a member services representative so that they can help protect your

information.

KEEP YOUR LOGIN INFO TO YOURSELF