The Co-op Connection

A Quarterly Newsletter for Members

Winter 2018

In this Issue…

Auto Loan Refinance 1

Account Audit Notice 1

Mortgage Loans 1

Annual Meeting 2

Save to Win Accounts 2

Scholarships 2

Protect from Data Breach 3

Love My Credit Union Rewards 3

New Team Members 4

Choice Checking 4

Faster Tax Refunds 4

Holiday Closings 4

Locations & Hours 4

Savings are federally insured by the NCUA to at least $250,000.

Visit our website at www.muskegoncoop.com

Refinance your auto loan from another financial institution

and we’ll give you up to $200!*

Apply Online or In Person.

*Excludes mortgage, home equity & Visa. Not valid with any other offer. Offer expires February 28, 2018.

Paperwork must be signed at the credit union.

Minimum $7500 refinanced loan for $100 Cash. Minimum $20,000 refinanced loan for $200 Cash.

Important Notice

We are conducting our reg-ular account audit. If the balances shown on your statement do not agree with your records, please report it immediately to: Supervisory Committee Chairman, P.O. Box 1654, Muskegon, MI 49443.

Apply Online or In Person

Offering these mortgage types: Conventional, FHA, VA, USDA Rural

Development, & Pre-approvals for purchases.

NMLS# 472323

Mortgage Loans at Historically Low Rates!

For every $25 deposit you make to your Save to Win certificate, you’ll be entered in the monthly and quarterly prize drawings—and best of all, it’s free! All of the money that piles up in your Save to Win account is yours to keep along with the interest you earned, so there’s never been a better time to get the ball rolling on your savings plan. With nothing to lose and everything to win, it’s time to Save to Win. Our recent winners include, Todd Susterich and Ethan Epplett. Talk to a Muskegon Co-op FCU member service representative to open your Save to Win account and start saving today.

Credit Union Annual Meeting and Board Election Notice

The 2017 Annual Meeting has been scheduled for March 27, 2018 at Holiday Inn Downtown in Muskegon. Dinner will be at 6:30 pm and the meeting will follow at 7:30 pm. Tickets for the dinner will go on sale after February 9, 2018. There is no charge to attend the meet-ing only. At this meeting, elections will be held for two Board of Director positions. The Nominating Committee of the Credit Un-ion has placed the following names on the bal-lot for three year terms, which will expire in 2021. James Lewis Retired probation officer for the State of Michi-gan. Board member since 2006. Member of the Supervisory Committee 2003 - 2006. Erik Joslyn, CPA Accounting Director/Deputy Treasurer for Muskegon Charter Township. Board member since 2015. Member of the Supervisory Com-mittee since 2013. Additional nominations for Board positions may be made by submitting a petition signed by one percent of the members with a mini-mum of 20 and a maximum of 500 signatures. (Effective 11/30/17, there are 10,268 mem-bers of the credit union. Therefore, the mini-mum amount of member signatures is 103.) Members that are interested may request a sample petition from the credit union. The election will not be held by ballot and there will be no nominations from the floor when there is only one nominee for each posi-tion to be filled. Each nominee by petition must submit a statement of qualifications and biographical data with their petition. The clos-ing date for receipt of nominations by peti-tions is February 28, 2018. Submitted by Lois Sattory, Secretary of the Board of Directors. Nominating Committee: Bill Abbott, Chairman Jean Sibley Lois Sattory

Annual Meeting March 27, 2018

Holiday Inn Muskegon Harbor

College Scholarships Available Muskegon Co-op FCU is offering four $500 college scholarships for 2018. Eligibility Applicant or applicant’s parent/

guardian must be a member in good standing at Muskegon Co-op Federal Credit Union for at least 1 year prior to applying for scholar-ship.

Applicant must be a high school senior or graduate and accepted by or currently attend-ing an accredited post-secondary educational institution.

Minimum grade point average of 2.50 or high-er based on a 4.0 scale.

To Apply Visit our website at www.muskegoncoop.com or request an application at either Muskegon Co-op office. The deadline to apply is March 2, 2018.

Muskegon Co-op FCU Members Get Exclusive Discounts from Love My Credit Union Rewards Everyone loves to save, especially on products and services you use every day. That's what Love My Credit Union Rewards is all about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners: $100 cash reward with every new line activated with Sprint! Current customers will receive a $50 cash

reward for every line transferred into Sprint Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward every year for every line.*

Save up to $15 on TurboTax federal products! Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security

system. Call 844-703-0123 to activate this special offer. Get trusted protection at true savings with the TruStage Auto & Home Insurance Program. Shop and get cash back at over 1,500 online retailers with Love to Shop To find out more and learn about other valuable discounts, www.muskegoncoop.com or LoveMyCredit- Union.org. You get all these offers and discounts just for being a member of Muskegon Co-op FCU. *Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2018. Avail. for eligible credit union members and member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. $50 Loyalty Cash Re-ward: Members can earn one $50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visit lovemycreditunion.org/sprintrewards. Other Terms: Offers/coverage not avail. every-where or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.

Steps to Take to Protect Yourself From Data Breach Check your credit reports from Equifax, Experian, and TransUnion - for free - by visiting annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit Identitytheft.gov to find out what to do. Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts. The following credit reporting agencies can be contacted to place a credit freeze (fee may apply):

Equifax - 1-800-349-9960 Experian - 1-888-397-3742 TransUnion - 1-888-909-8872

Monitor your existing credit card and bank accounts closely for charges you don’t recognize. If you decide against a credit freeze, consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you. File your taxes early - as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security Number to get a tax refund or a job. Respond right away to letters from the IRS.

Convenient Locations

Administrative Office 1051 Peck Street

Muskegon, MI 49440 231-726-4871

Laketon Office

1920 East Laketon Avenue Muskegon, MI 49442

231-773-4244

Plus, over 100 Shared-Branch Locations (for locations, visit our

website or ask for a brochure)

www.muskegoncoop.com

“Building a Strong Foundation”

Convenient Hours

Peck Street Office Monday - Friday Lobby and Drive Thru 9:30 am - 5:00 pm Saturday Closed

Laketon Avenue Office

Monday - Friday Lobby and Drive Thru 9:30 am - 5:00 pm Saturday Drive Thru Only 9:00 am - 12:00 noon

Monday January 1, 2018 New Years’ Day

Closed

Friday March 30, 2018

Good Friday Closing at Noon

Monday

May 28, 2018 Memorial Day

Closed

Wednesday July 4, 2018

Independence Day Closed

Holiday Closings

New Team Members

We are pleased to welcome the following new team members to our credit union: Ashley Alexander joins us as a part-time teller. Ashley has 10 years’ experience in the service and hospitality industry. She grad-uated from Muskegon High School and also attended Western Michi-gan University. Shelby Bittick joins us as a part-time teller. Shelby has 5 years’ experience in the retail and customer service industry. She graduated from Orchard View High School. She also attended Mus-kegon Community College, and Nuvo College of Cosmetology. Please join us in welcoming these new employees to Muskegon Co-op Federal Credit Union.

Faster Tax Refunds Would you like to get your tax refund faster? E-file your taxes and have your refund directly deposited in your account. You could have your refund within 2 weeks. Be sure you have the current routing number for your direct deposit. Muskegon Co-op’s routing number is 272 483 170. For your account number include the 3 digit suffix (i.e. 000 for your savings account). Make sure your account is still open if you are expecting a tax refund to your account. If you receive a tax refund loan check from a tax preparation organization, please be aware that there may be a 7 business-day hold placed on the check.

4% Choice Checking

You have the choice to earn

4% APY on your checking account (on balances up to $4000).

Simply meet a few requirements:

Enroll in E-statements

Login to It’s Me 247 online banking 5 (or more) times

Receive 1 direct deposit or 1 bill pay in your checking

8 (or more) signature-based debit card transactions