Fourth Quarter 2017

Access our website at www.servucu.com

Self Service Tips Be prepared to bank from anywhere!While we love seeing our members in person, we realize coming to the branch may not always be possible or convenient. To better serve our members, ServU Credit Union offers many self service options that allow you to bank from home, on the road, or wherever is convenient for you!

Shop or pay bills online, withdraw cash at ATMs, make cashless transactions in stores.

Debit Card

Check account balances, make transfers, pay bills, stop a payment, order checks and more!

Online Banking

Check accounts, make transfers, deposit checks, pay bills and more!

Mobile Banking

Have your paycheck, social security, or other deposit sent right to your account and skip a trip to the branch.

Direct Deposit

Loan Payments from Anywhere!There are multiple ways to make a loan payment without making a trip to a branch.

Over the Phone Members can call us to transfer funds from their ServU account to a ServU loan.

Online/Mobile Banking Payments can be made via transfer from another ServU account. These transfers can be set up to be recurring, so they happen automatically on the same day each month.

External Loan PaymentsMake a payment to your ServU loan from an account at another financial institution usingonline or mobile banking. Look for “Loan Payment” under the Transfers drop down list. You will need to know the Routing and Transit Number and Account Number for the account at the other financial instituiton to set up an external transfer.

Members can now have debit cards instantly issued at our Painted Post, Bath and Hornell locations!

Whether it is a new debit card or a replacement for a lost or stolen card, we can print them in branch and give you access to your account quickly. The cards will be activated when you leave the branch, so you can start using them right away!

Fourth Quarter 2020

Debit Cards on the Spot!

To find out more information about any of these services, please visit our website, www.servucu.com, or ask a staff member.

Community Shred Days:

October 13 - Hornell Branch.....9am - 12pm October 20 - Administrative Branch in Erwin.....9am - 12pm October 27 - Bath Branch.....9am - 12pm **ELECTRONICS WILL NOT BE ACCEPTED THIS YEAR**

Christmas Club Accounts: October 10 - Christmas Club Account balances will be transferred to the primary savings account

Holiday Closings:October 14 - Columbus Day November 11 - Veteran’s Day November 28 - Thanksgiving Day December 24 - Christmas Eve (Closing at 1:00 pm)December 25 - Christmas DayDecember 31 - New Year’s Eve (Closing at 3:00 pm)

Dates to RememberDates to Remember

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law. ServU is an equal opportunity employer.

Work is underway and progressing quickly on our new headquarters located in Painted Post.

The new building will offer teller services, loan services, member services and a technology center on the first floor and administrative and back office staff will be located on the upper floor.

Stay up to date and view photos of our progress by following us on Facebook and Twitter, or visiting our website at www.servucu.com.

So far, 2020 has brought about many unexpected challenges and many people find themselves re-evaulating their priorities. If saving more money or spending less money has become one of your priorities, take a look at what you are spending on your current loans.

Consider RefinancingInterest rates have dropped, so now may be a great time to refinance your auto or real estate loan from another financial institution to ServU. You may be able reduce your interest rate, save on your monthly payment or pay your loan off in less time.

Use a Loan, not a Credit CardWhen making a large purchase such as: appliances, furniture, hot tubs, etc. people often reach for a credit card first. Credit cards may carry high interest rates which can add up quickly if you cannot pay off the balance each month. ServU Credit Union offers a variety of loans with low interest rates and flexible repayment terms. You can save on total interest paid and have a payment plan in place, saving you money and giving you peace of mind!

If either of these options could help your monthly budget, contact our loan department. We are here to help!

Pocket Your PaymentTake a month off from your loan payment with our Pocket Your Payment program. Members can choose to SKIP their Nov. 2020, Dec. 2020 ORJan. 2021 loan payment(s) and pocket the cash! Each skip has a $10 fee.

Forms will be available on our website and in all ServU locations in mid October. Completed forms can be returned to any ServU office in person or via mail.

Pending approval. Your loan(s) will resume a normal payment schedule the following month. If you skip your loan payment(s), the term of the loan(s) may increase and interest will continue to accrue on the unpaid balance. The interest is deferred to future payments. By skipping a payment(s) on your loan(s), the total amount you pay for finance charges on your loan(s) could be greater than stated on your loan disclosure(s). If you purchased Guaranteed Asset Protection (GAP) for your loan, this skip request may affect the amount paid at the time of a GAP claim. A fee of $10 per loan is a finance charge and will be deducted from your share savings account for this service at the time this request is processed. If you pay your loan elec-tronically from another financial institution, you are responsible for stopping those payments. This offer does not apply to Visa Credit Cards, or any Real Estate Loan including “PLUS” Loans, any loans currently receiving CUNA dis-ability and single payment loans.

Community Shred Days: October 3 - Hornell Branch....................................9am - 12pm October 17 - Administrative Branch in Erwin.....9am - 12pm **ELECTRONICS WILL NOT BE ACCEPTED THIS YEAR**

Holiday Closings:October 12 - Columbus Day November 11 - Veterans DayNovember 26 - Thanksgiving Day December 24 - Christmas Eve (Closing at 1:00 pm)December 25 - Christmas DayDecember 31 - New Year’s Eve (Closing at 3:00 pm)

Dates to Remember

Scholarship Opportunities

NYS Credit Union Association ScholarshipAwards up to $1500 are given to students with high academic achievements and considerable school and community involvement. Application deadline: January 22, 2021

ServU Smart Saver Award$500 awards are given to students demonstrating a variety of extra-curricular activities and consistent academic performance with a GPA between 75-90. Application deadline: March 13, 2021

ServU is pleased to offer two great scholarship opportunities for members who are graduating high school in 2021. Applications will be available at www.servucu.com, in all ServU locations and in school guidance offices.

Spending Less on your Loans