As I am writing this, we continue to closely

monitor guidance from local, state, and

federal agencies and are taking the steps

necessary to keep members and staff as

safe and healthy as we can. On behalf of

the Board of Directors and all employees,

I would like to extend our thanks and

appreciation for your patience as our

normal service to members is unavoidably

disrupted. Across all our teams, from

Tellers and Lenders to IT to Operations

to our Member Service Representatives,

we are devoting our time to working with our members to help with

some of the most unique financial needs and situations we’ve

ever experienced.

I would also like to thank those of you who have taken the time to send a positive message to our staff, whether during a transaction, on social media, or by sending an email or note. This is a challenging time for our employees, as many have moved into different areas to assist departments whose workflows have changed significantly. They’ve had to quickly learn new tasks or interact with members in a new way. For example, many tellers moved to the Member Service Center to help with the record number of phone calls we are receiving. Your positive messages help them stay mission-focused during some difficult days. I am very proud of the adaptability, commitment, and hard work that our employees have dedicated to supporting our members as well as each other.

Since March, we have been sending out the message “We’re Here

to Help” in our member communications, social media posts, and

advertising. I would like to share with you some ways we are working to help our members and carry out our mission, which has probably never been more relevant than it is now: Always improve the financial well-being of our members and make a positive difference in the community.

Our Consumer Lending, Mortgage, and Member Solutions Teams

have been working with thousands of members to help restructure debt and defer loan payments. Here are a few counts of actions taken in March, April, and May:

• 2,164 consumer loan payment deferrals were processed, with no fee or penalty charges.

• 450 QCash Member Assistance low-dollar, short-term loans were disbursed.

• 77 Member Assistance loans were disbursed.

• 98 First Mortgage deferred payments were processed.

• The First Mortgage Team processed nearly double the number of applications we would normally receive during this time as both new and existing members sought to take advantage of historically low rates to purchase or refinance.

This work will continue, as the financial burdens resulting from the economic slowdown are still impacting many member households, and we appreciate your patience as we give each application the attention it deserves.

New Member Benefit

Laurie Cappelli, President/CEO

Receive your direct deposit a day early.* There is no cost for this service and no sign-up

is required. Watch for announcements!

If you don’t have direct deposit, ask your HR department or contact a CCU Member Services Representative for help setting it up.

If you currently have direct deposit from Brevard Public Schools, Health First, Harris Elect, Rockwell Collins, DFAS Cleveland, or, in some cases, social security, there is no change. You will continue to receive your paycheck a day early.

*Early Payday is based on the date that your employer or other direct deposit source sends CCU the funds for your paycheck. The actual delivery dates may vary in the event of holidays and other occurrences. Do not write checks or authorize any other withdrawals against your directly deposited funds until you verify that they have been posted to your account.

Our Commercial Services Team has been working overtime to help meet the needs of our business members, including learning the ever-changing aspects of the Paycheck Protection Program (PPP) and assisting businesses with applications. In total so far, they have originated just under 300 PPP loans to small businesses and non-profits, allowing over 2,300 employees to continue to draw a paycheck.

Our Operations and eServices Team are assisting record numbers of members with signing up for and using online and mobile services, including mobile check deposit. This allows members to manage their accounts from the comfort and safety of their homes.

Our IT and Facilities Team oversaw a major relocation of employees to ensure recommended distancing and to allow many team members to work from home. They ensure all of our staff can remain in contact at all times and keep our digital banking systems accessible to everyone. At the same time, they have been preparing each of our branches to reopen under social distancing guidelines when it is safe to do so.

Our Marketing and Communications Group continues to develop and deliver the information about current operating conditions, relief checks, our Member Assistance Program, webinars about personal financial management, and warnings about the many fraud and scam schemes that have unfortunately surfaced.

Our Business Development Team is spending time working with multiple employee groups to ensure that they are aware of the resources available to them from CCU.

Our Volunteer Board meets regularly to keep up to date and to ensure the appropriate resources are being put in place to assist members. I greatly appreciate their support, guidance, and input.

The entire team here at your credit union is dedicated to

developing innovative, safe ways to serve you and our

community now and in the future, and we are grateful for

your membership and support.

Coming in July

20Thank you for your patience! We have rescheduled

our CCU Annual Meeting of the Members.

Mark your calendars to join us on August 20, 2020, at 7:00 p.m., and help us celebrate 67 years of service to the community! This meeting will be held virtually. Please visit our website for more details on how you can participate.

MARK YOUR CALENDAR

Learn More at ccuFlorida.org/early

Our Mission: Always improve the financial well-being of our members and make a positive difference in the community.

Summer 2020SSSSSSSSSSSSSSSSSuuuuuuuuuuuuuuuummmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmeeeeeeeeeeeeeeeeerrrrrrrrrrrrrrrrr 22222222222222222200000000000000002222222222222222220000000000000000Summer 2020

Our Mission: Always improve the financial well-being of our members and make a positive difference in the community.

A Message from Laurie Cappelli, President/CEO

Adventure AwaitsAdventure AwaitsAdventure AwaitsAdventure AwaitsAdventure AwaitsAdventure AwaitsBoat and RV Loans

Financing With CCU Gives You:Low Credit Union Rates • Flexible Payment SchedulesConvenient Online Payments • Fast, Local Decisions

No Application Fees or Prepayment Penalties

Visit ccuFlorida.org/mobile to learn more about: eBranch Services • Mobile Deposits • CCU Apps • FinanceWorks • Bill Pay • eStatements • Text Message Banking • eAlerts • Instant Loan Application • Electronic Wire Transfer

Learn More at ccuFlorida.org/recreation

Learn More at ccuFlorida.org/news

The Excitement is Building...Construction is moving at a steady pace at our new

Titusville branch located at 2455 S. Washington Avenue, which is right across from Titus Landing.

Like our Port St. John branch, the drive-thru will feature video teller service during regular business hours, including Saturdays from 9am-Noon, and 24-hour

drive-up ATM service. It is set to open later this year. Look for updates on our

A simple, fast, short-term loan from a lender you trust, personalized for your needs.

Apply anytime, anywhere, from any device.

Borrow from $200-$1,000No Credit Check

No Application Fee

6 Month Payback Term

You Choose Your Due Date

Must be a CCU Member for 6 Months or More

Approval Based on Member Relationship

24-HR24-HR

DRIVE-UPDRIVE-UP

ATMATM

24-HR

DRIVE-UP

ATMsocial media pages.

To apply:• In the CCU Mobile App: Go to “More” and select “QCash” • In eBranch Online Banking: Go to “Additional Services” and

select “QCash”

In-person and phone applications are not available for QCash.

Active military not eligible.

#AdventureAwaitsLoan rates are based on credit history, loan terms and borrower qualifications. Contact CCU to determine your rate.

Visit ccuFlorida.org/ebranch to learn more about: eBranch Services • Mobile Deposits • Mobile App • FICO® Score • Bill Pay • eStatements • Text Message Banking • eAlerts • Instant Loan Application • Popmoney®

Contact Us or Come See Us:321.690.2328 800.690.2338Call Telli for automated account information 24/7/365 by calling 321.631.4611 or888.636.4611Branch Locations:Rockledge - 1030 S US Highway 1Port St. John - 660 West AvenuePalm Bay - 1325 Palm Bay Rd.Melbourne - 333 E. NASA Blvd.Viera - 7380 Murrell Rd., #102Titusville - 3125 S. Washington Ave.Indian Harbour - 293 E. Eau Gallie Blvd.

Apply for a loan: 24/7/365 online at ccuFlorida.org, on the Mobile App, by calling 321.637.3211, or at any branch.

ATM Locations: At every CCU branch and over 50,000 free nationwide. Find locations at ccuFlorida.org/locations.

Mobile and Online Services

See More at ccuFlorida.org/ebrancheBranch Online Banking: Login to your account at ccuFlorida.org.Mobile App: Login on your Android phone or tablet, iPhone and iPad.

Mobile Deposit: Register within the Mobile App and make deposits using your smart phone.

eStatements: Sign up in the eBranch. They are free!

Text Message Banking: For a complete list of text codes, visit ccuFlorida.org/text. Bill Pay & Presentment: Available in the eBranch or Mobile App.

Money Management: Your online financial management tool.

Board of Directors

Chair - Betty A. Dunn

Vice Chair - Jim Platman

Secretary/Treasurer - Linda P. Dale

Director - Moses L. Harvin

Director - Johnette Gindling

Senior Management

President/CEO - Laurie Cappelli, CCE, CCUE

Chief Operations Officer/SVP - Lesli Dooley, CCE, CCUE, NCRM

Chief Experience Officer/SVP - Dan Kelley

SVP of Accounting/Finance - Margaret Hasenbeck, CCE

SVP of Technology - David Hill, CCE

SVP of Marketing - Meredith Gibson

Director of Executive Administration - Tina Webster, CRVPM, NCRM

Dates & Events

July 4: Closed

August 20: Annual Meeting

Check out our CCU Blog at blogccu.org—your resource for news, offers, and financial information.

Federally insured by NCUA.Equal Housing Opportunity.

Learn More at ccuFlorida.org/heloc

1.99%APR¹

Introductory ratefor 12 months.1

After that, rates as low as 3.00% APR.2

No Application Fee

LOW Closing Costs • FAST Closings!

Be Ready for Storm Seasonwith a CCU HELOC

¹Special introductory rate for 12 months. Not available for rental or investment properties. Thereafter, the Home Equity Line of Credit will have a variable rate between 3.00% -11.00% APR. Rate current as of March 23, 2020. APR=Annual Percentage Rate. ²Rates based on credit score, combined LTV, term, plus a margin. Other restrictions may apply. Details available from CCU.