“– Chuck Albrecht,

President / CEO

MMFCU has always sought to offer the best member service.”

Core Enhancement

MMFCU offers ClickSWITCH

We know switching financial institutions is time consuming and may even be a little intimidating. Mid-Minnesota has made it easy for you with ClickSWITCH – our FREE, online tool that safely and securely does the work for you.

Call or visit any branch location or call Member Services to get started on transferring your accounts today!

Simply Free Checking

PRESIDENT’S MESSAGE

You’ve heard the saying – “if it sounds too good to be true, it probably is.” And in defense, it’s hard to find something that’s truly free these days.

Enter Mid-Minnesota Federal Credit Union’s Simply Free Checking. And when we say ‘free,’ we really do mean ‘free.’

Cost to open an account? Free.

Monthly service charges? Free.

How much for unlimited check writing? Free.

What about using your VISA Debit Card over and over? You guessed it. FREE!

With our Simply Free Checking, there’s no minimum balance required and you’ll receive cutting-edge technology, highly

personalized service, free 24-hour account access, and much more. Receive a free VISA Debit Card that looks like a credit card but acts like a checkbook. This card has no annual fee and no monthly service charge. You can access your account from, virtually, anywhere 24 hours a day, seven days a week, and take advantage of our online bill pay feature for FREE!

Then there’s free direct deposit, no-surcharge ATM services, 24-hour phone teller option, and Online and Mobile banking with Remote Deposit Capture.

So, unlike that ‘free’ kitten your kids brought home last week, this truly is all it says and more.

Call or stop by any MMFCU location today and sign up for Simply Free Checking.

When you think of the word “core,” what comes to mind?

Maybe you think of an apple. While most enjoy everything outside of the core, this mid-section is undeniably vital for storing the seeds that help the fruit grow and mature.

Perhaps for some of our fitness-forward members, it conjures up thoughts of abdominal muscles and a system that promotes a strong body.

Whatever attribution the word conjures in your mind, I think we can all agree that a core is critical to any system – whether it be the body, fruit or a business.

At Mid-Minnesota Federal Credit Union, we consider our “core” to be our technological structure. It’s the way we are best able to serve our members and their growing and diverse needs – from offering the latest advances in mobile application technology to the way our staff maintain and work to improve our members’ financial well being on a daily basis. We continually strive to maximize our internal operations to, in turn, give you the best options on a variety of platforms.

In April 2011, MMFCU began exploring options of how to improve our behind-the-scenes structure. Realizing this was a critical step in addressing the future on a long-term basis, MMFCU hired a third-party vendor to assist us in interviewing and assessing various companies that specialize in core enhancements. In October 2013, a company was chosen; and, in March 2014, the process commenced.

After nearly four years, I am excited to share that this core conversion process is nearly complete and we will begin to roll out a vastly improved system by late Summer 2015.

This upgrade, or system enhancement, is an important technological advancement for our credit union.

What does this mean for our membership? Without a doubt, your credit union is dedicated to making this improvement as seamless as possible for each and every member. This enhancement is just one step we are taking to improve the capabilities of serving our diverse membership, as well as ensuring we are well-equipped to provide you with what you need, when you need it in this fast-paced world.

As we begin the journey to the conversion process, bumps in the road may occur. However, our staff will do everything possible to make this as seamless and convenient as possible. With the transition, there will also be changes to some of our processes and procedures. Rest assured, we will communicate with you each step of the way so you will remain well informed.

Our staff has also established a Core Enhancement Q&A page on our website. Here, you will find additional information regarding this process. You can find this information at www.mmfcu.org/eservices/core-enhancement.

Know that we are fully committed to this process and believe that it will greatly benefit each of our members in the long run. We hold ourselves to a high standard and want to be equipped to deliver and meet your needs now and into the future. Thank you for your continued loyalty and support.

A dream within your reach

Building and owning a home has long been the American dream. Now, more than ever this dream is within reach and Mid-Minnesota Federal Credit Union has the tools to make this dream your reality.

Thinking about building a home? Start with a good foundation! Mid-Minnesota can help with land and construction loans to fit your project. Now is a great time to build the home you’ve always wanted. Couple that with our great rates and you’ve got yourself the foundation for making your dream a reality.

Remodel or renovate with a Home Equity Loan. MMFCU has a variety of options to choose from, including our Traditional Home Equity loan. This classic home equity loan allows you to lock into a fixed rate. Borrow against the equity in your home for any reason – not just home improvements - and enjoy tax-deductible interest!

Perhaps our Home Equity Line of Credit (HELOC) is a better fit. Just like a traditional home equity loan in many respects, the HELOC gives you more flexibility in your borrowing. Access what you need when you need it, and only pay monthly payments based on your balance after advances. Our HELOC is a variable rate program.

MMFCU also offers an interest-only HELOC. It offers the same great features as our Traditional HELOC, but with much smaller monthly payments because borrowers are only required to pay the monthly interest due based on balance.

Maybe you’re looking to increase the equity in your home. Consider taking advantage of our Property Improvement Loan option. Build a shed, construct a deck, remodel the kitchen, tar the driveway, add a new roof. The choice is yours and the time is right! Applying is easy and can be done online, in person or by phone.

To learn more about everything from home loan basics and current rates to purchasing a new home or refinancing your current home, visit our online Home Center at www.mmfcu.org. We’ve taken lots of great information and condensed it into one, centralized location to provide you the best resources to make your dreams come true.

Regardless of where you’re at in your financial journey, lean on us to help build the best scenario for your future. Your dreams are within reach!

Transform, transition, or treat yourself to something new or improved.

The Nuts and Bolts of Home ConstructionJoin us at 5:30 pm Thursday, April 16th, as our MMFCU Home Loan team walks you through the construction loan process from start to finish. We’ll take you from concept to completion and every nut, nail, screw and bolt in-between.

For more information, visit mmfcu.org and click on “Events.”

APRIL 22, 2015 at 6:00pm | Central Lakes College; Cafeteria/Rotunda • 501 West College Drive, Brainerd

2015 Annual Meeting

Join us for Mid-Minnesota Federal Credit Union’s Annual Meeting. Learn about the accomplishments of the past year and what you can look forward to for the future. We look forward to seeing you there.

Elections will not be conducted by ballot at the annual meeting. There will be no nominations from the floor, as there is only one nominee per position. Nominations can, however, be made by petition (see below). In the event such a nomination is made, elections will be conducted by mail ballot. MMFCU’s Nominating Committee has recommended the following individuals to fill open positions on the Board of Directors:

Bunny Johnston Bunny was appointed to the Board of Directors in January of 2005. She has been a member of Mid-Minnesota Federal Credit Union since 1996. Bunny became the Morrison County Recorder in 1993, and named Recorder of the Year for 2011. Bunny and her husband Lee, have 4 grown children, and have lived in the Swanville/Little Falls area for over 40 years.

Mark Korwin-Kuczynski In 1984 Mark began working for the Department of Transportation in Minnesota. He was first appointed to Mid-Minnesota’s Board of directors in 1987 and elected in 1988. Mark has served on the Board of Directors for 28 years! Mark lives in the Nisswa area with his wife Karen. He has three sons, Braden, Zachary and Camden.

Al Kolling Al has volunteered for MMFCU since October 2005, starting on the MMFCU Staples Advisory Council and now serving on our Board of Directors. He is owner of Precision Polishing & Plating, Inc. of Staples, his vast experience in this highly specialized field dates back to 1977. Al resides in Staples with his fiancée Dolly and has two grown children; Jessica and Justin.

NOMINATIONS BY PETITION Nominations can be made by a petition signed by one percent of MMFCU members, with a Minimum of one hundred. Any such petition must be accompanied by the following: A statement of qualifications and biographical data of the nominee. A certification from the nominee that they are agreeable to nomination and will serve if elected to office.Send completed petitions to: Secretary of the Board, Mid-Minnesota Federal Credit Union, PO Box 2907, Baxter, MN 56425 – Completed petitions must be received by March 12, 2015 to be considered valid.

OFFICIAL NOTICE

Improving your Financial Well-Being

We’re With You All The Way.

WWW.MMFCU.ORG

> LOCATIONSALEXANDRIA Ph: (320) 762-2686 Fax: (320) 763-3472BAXTER Ph: (218) 829-0371 Fax: (218) 822-2455BRAINERD Ph: (218) 829-0371 Fax: (218) 829-4947

CROSBY Ph: (218) 546-5428 Fax: (218) 546-6447DETROIT LAKESSummer 2015 LITTLE FALLS Ph: (320) 632-6679 Fax: (320) 632-3424PEQUOT LAKES Ph: (218) 568-8450 Fax: (218) 568-8795

Baxter Office: 13283 Isle Dr.Brainerd Office: 200 S. 6th St.Brainerd SAVE: Hwy 371 S.Central Lakes College: 501 W. College Dr., BrainerdCrosby Office: 117 W. Main St.Little Falls Office: 307 1st St. SEPequot Lakes Office: 30483 State Hwy. 371Essentia Health - St. Joseph’s Medical Center: 523 N. 3rd St., BrainerdStaples Office: 1220 N. 4th St.

Equal Housing Lender. Federally Insured by NCUA.

SUPERVISORY COMMITTEEPO Box 65, Brainerd, MN 56401

STAPLES Ph: (218) 894-2463 Fax: (218) 894-2544TWIN VALLEY Ph: (218) 584-5499 Fax: (218) 584-5647

> ATM SERVICE – NO SURCHARGES!Alexandria Office: 405 50th Ave. W.Baxter Drive-Through – 8500 Fairview Rd. S. of Westgate Mall along Hwy 210

EDUCATIONAL WORKSHOPS

MN Highway Safety Driver Improvement

The Driver Improvement Program (55+) will give participants a better understanding of vehicle and traffic safety, new technology, physical changes, increased driving risks as we age, changes to laws, and the decisions drivers can make to be safer on our roadways.

Initial Course . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Monday, May 11, 8:00 a.m. - 5:00 p.m. Cost: $24.00 (Lunch will be served.)

Refresher ............................................................................Monday, May 18, 8:00 a.m. - 12:00 p.m. Cost: $20.00

Refresher ............................................................................Thursday, May 21, 4:00 p.m. - 8:00 p.m. Cost: $20.00

All courses will be held at the Northland Arboretum, Brainerd

COMMUNITY SHRED DAYS

Mid-Minnesota Federal Credit Union and Paper Storm are partnering to keep you safe from identity theft with a Community Shred Day. Stop by Mid-Minnesota’s parking lot to have your personal documents shredded in a Paper Storm mobile document shredding truck for FREE. Shred Day will take place rain or shine, and there’s no charge for this service, however please limit yourself to three boxes of documents per person.

Tuesday, May 26th ................................Little Falls, 12:00 p.m.-1:00 p.m.

Tuesday, May 26th ................................Staples, 2:00 p.m. -3:00 p.m.

Monday, June 1st ......................................Alexandria, 2:00 p.m. -3:00 p.m.

Tuesday, June 2nd .................................Baxter, 12:00 p.m. -1:00 p.m.

Tuesday, June 2nd .................................Pequot Lakes, 2:00 p.m. -3:00 p.m.

Wednesday, June 3rd ...................Brainerd, 12:00 p.m.-1:00 p.m.

Thursday, June 4th ...............................Crosby, 2:00 p.m. -3:00 p.m.

Education Network

WILD ABOUT SAVING!

April is National Credit Union Youth Month™

Credit unions celebrate youth in April! Join us for National Credit Union Youth Month™ this year, April 1-30, 2015. This year’s theme is “Wild About Saving™”! Stop by any branch location during youth month for prizes!

REVERSE MORTGAGES

Thursday, April 30, 5:30 - 7:00p.m. Brainerd MMFCU office

Reverse mortgages are growing in popularity and, unfortunately, can be confusing. Reverse mortgages are a special type of home loan that lets homeowners convert the equity in his/her home into cash. Homeowners need to know whether it will meet their financial goals and to be aware of scams and fraud. Mid-Minnesota is proud to partner with LSS Financial Counseling to provide important and impartial information to help you understand your options so you can make the decision that is right for you. Join Jill Carlson, Director of Training & Community Relations and Sandy Kleist, LSS Financial Counselor, for this workshop.

Welcome to the Mid-Minnesota Education Network! Part of our credit union mission is to provide resources to help improve your financial well-being. Offering information, seminars and other educational and networking opportunities is another way we are partnering with the community to help you get the most out of your credit union membership. Take a look at some of our upcoming opportunities.

MID-MINNESOTA FEDERAL CREDIT UNION