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Did You Know?Indirect LendingFirst MortgagesRemote Deposit

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Holiday ClosingsGet Involved at MHCU

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Double Your Points!Christmas ClubOnline BankingMobile Banking App

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ATM LocationsSkip-A-PaymentShred-It Event

Fall 2015IN

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www.membersheritage.org

Welcome Adam Eisenberg, New Business Development Offer

See page 2 for details.

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Credit CardsJingle Bills LoanVisa® Gift CardsCommercial Business Rep

Happy Credit Union Month!

At Members Heritage, we are celebrating Credit Union Month in October. This is our way of saying thanks to each of you for your loyalty with MHCU. Specials for the month include:

• Auto Loans – Great, low rates with terms up to 84 months. Buy a new car, get a pre-owned car or refinance with your current loan from another institution and save money with Members Heritage. You will have a chance to win $500 when you book your auto loan with us during the month of October.* There will be 3 drawings for $500!

• Home Loans – We’re waiving our fees on Home Equity Lines of Credit and 2nd Mortgages!**

• Go Green with eStatements – Sign up for eStatements and you’ll receive a $10 gift card!**** This credit union and its policies comply with the Equal Credit Opportunity Act. All

credit offers and rates subject to approval. Auto Loan in-house refinances must take $1,000 in new money. Auto Loan promotion valid 10/1/15-10/31/15. No purchase necessary for $500 drawing. One entry per person. You may write your name and full mailing address, email address and phone number on a 3”x5” index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY 40511.

** APR = Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Contact Members Heritage for current rate information. Five to 20 year terms available. MHCU refinances require an additional $2,500 in new financing. Excludes title insurance expenses, if applicable. Proof of homeowners insurance is due at closing. Member saves an average of $100-$450 on closing costs throughout this promotion. MHCU is an equal housing lender. Promotion is valid in Kentucky, Indiana and North Carolina only. Consult your tax advisor regarding potential tax benefits on interest paid. HELOC & 2nd Mortgage promotion valid 10/1/15-10/31/15.

*** eStatement promotion valid 10/1/15-10/31/15. Ten dollar gift card will be sent to member’s residence within 2-4 weeks after promotion ends.

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Members Heritage credit cards give you the freedom of worldwide acceptance at millions of locations. Now, MHCU credit cards have a fixed rate as low as 9.75% APR.* Apply for your MHCU Visa® or MasterCard® and enjoy the following benefits:

NO annual fees NO balance transfer fees Earn ScoreCard bonus points with every purchase Option to view statement online Cash advances at teller window or ATMs And more!

We’re happy to transfer balances from higher interest cards to your MHCU card for savings. Apply for your card today and get the credit you deserve.* APR = Annual Percentage Rate. This credit union and its policies comply with the

Equal Credit Opportunity Act. Set credit card rates will range from 9.75%-18% APR. Variable Visa credit card rates will range from 8.25-17.25%. Your rate may be higher based on your credit history.

Choose MHCU Credit Cards

Please Welcome Adam Eisenberg

Members Heritage is pleased to introduce our new business development officer from Cooperative Business Services (CBS). Adam Eisenberg currently serves as a

Business Development Officer in the Kentucky region. Adam is a 2008 graduate from the University of Louisville with a degree in Communication. Prior to joining CBS, Adam held positions as an Assistant Branch Manager at PNC Bank, and was also a Market Leader and Small Business Specialist for BB&T. Before entering into the financial services realm, Adam also obtained the rank of Sergeant in the United States Army where he served as an infantry squad leader.

As a Business Development Officer, Adam is responsible for commercial loan origination in the Kentucky market. Adam is a great addition to our lending team! For all your business loan needs, Adam can be reached at 502-718-1515 or aeisenberg@cbscuso.com.

Jingle Bills Loan

Wrap up your holiday shopping with a little help from us! You’ll be entered to win a $200 payment from Members Heritage on your loan!

• Borrow up to $2,500!• Take up to a year to repay!* This credit union and its policies comply with the Equal Credit Opportunity Act. All credit

offers and rates are subject to approval. Drawing will occur in January after promotion ends. Winner will be contacted via phone and $200 will be made as payment to loan. Jingle Bills Loan available 10/1/15-12/31/15.

Visa® Gift Cards

Whatever the special occasion, our Visa Gift Cards fit your needs!

• Whether it’s the holiday season, birthday, graduation, anniversary or simply to say thanks, our Visa Gift Cards are the ideal solution. Our Cards fit everyone’s style, personality and interests, because recipients can buy just what they want.

• Our Visa Gift Cards offer colorful designs that are as fun to give as they are to receive.

• Use it wherever Visa debit cards are accepted.• Unlike a gift certificate for a specific store, our Visa Gift

Cards can be used at millions of merchants around the neigh-borhood or around the world. They can even be used to order an item online or by phone. Our Visa Gift Cards are safer to carry than cash and easier to use than a check. So you’re also giving the gift of security and convenience.

• Visa Gift Cards are available in amounts from $10-$1,000. There is a $3 fee per gift card.

To purchase a Visa Gift Card, simply stop by Members Heritage or call us for more information at 859-259-3466 or 800-359-3466.

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Did You Know?

MHCU Offers Business Accounts and Loans!

Companies can choose from our Basic and Classic Business Share Draft Checking accounts. We also offer Commercial Real Estate Loans, Corporate Vehicle Loans and Secured Operating Lines of Credit.*

For more details on Business Accounts, please contact us at 859-259-3466; for details regarding business loans, contact our Cooperative Business Services partner, Adam Eisenberg, at 502-718-1515.* Minimum loan amount = $50,000.

Membership eligibility requirements apply.

No reason to stall; consider a home purchase this fall!

Members can now participate in HomePlus, a special mortgage lending program brought to you through SWBC Mortgage Corporation. HomePlus may save you time, money, and stress when purchasing or selling a home. CONTACT ME TODAY to learn more about this special program.

© 2015 SWBC. All rights reserved. Loans are subject to credit and property approval. Programs and guidelines are subject to change without notice. Rates change daily. Certain restrictions and conditions may apply. First mortgage services provided by our partner SWBC Mortgage. Corporate Office located at 9311 San Pedro Suite 100, San Antonio, Texas 78216. NMLS #9741 (www.nmlsconsumeraccess.org) 8640-4666 0715

JAMIE MORRISONFinancial Institution Loan Officer—NMLS #6298 440 Park Place | Lexington, KY 40511

Direct: 859.455.7373 Toll Free: 800.359.3466, ext. 7373 Email: jmorrison@swbc.com

Apply online at www.membersheritage.org

Indirect Lending

Your time is money and at MHCU, our Indirect Lending program can save you both! Find your dream car and finance it with Members Heritage right on the lot at participating dealerships. Simply tell the salesperson you are a Members Heritage member and request that your loan be with us – no need for a special trip to the credit union. Indirect Lending dealers can even open new accounts, so your family may also be eligible for our financing.

For a list of participating dealerships close to you, go to www.membersheritage.org. Or give us a call at 859-259-3466.

Deposit checks without driving to a branch or putting checks in the mail! Use the Members Heritage Mobile App to make deposits in a snap with your iPhone® or Android™ device or scan and upload check images for electronic deposit into your account.

Deposits are quick, convenient and secure. Remote Deposit helps:

• Make check deposits any time day or night, even on weekends.• Save time and money by reducing trips to the credit union

and eliminating the need to buy stamps and envelopes.• Speed reconciliation time with online deposit history.

Remote Deposit is available to qualified members* by downloading the free Members Heritage App from Apple’s App StoreSM or from Google Play™ for Android. * You must be enrolled in online banking in order to access to

mobile app. Eligibility for Remote Deposit is subject to Credit Union approval. Remote deposit is for checking accounts only. There is currently no cost for using this service.

iPhone® is a trademark of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android™ and Google Play™ are trademarks of Google, Inc. Members Heritage is not endorsed, sponsored, affiliated with or otherwise authorized by Apple, Inc. or Google, Inc.

Remote Deposit

Deposit Checks On-the-Go

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Skip-A-Payment

Need a little more cash around the holidays?

You can now skip a loan payment* and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped.

To take advantage of this offer, print out a coupon online at www.membersheritage.org (under Loans/Apply Online/Other/Skip-A-Payment) and return by mail or bring it to one of our convenient locations.* In order to participate, all loans must be current and accounts must be in good standing.

Loans that have an extension or payment modification within the last year may not qualify. This offer does not apply to first mortgages, home equity loan/second mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability and/or credit life insurance may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply.

Shred-It Event

Members Heritage is hosting a Shred-It Event for members on International Credit Union Day, Thursday, October 15 from 11 a.m.-1 p.m. at our Park Place location.

This service will be provided for personal shredding only, no businesses, please.

ATM Locations

When you are out and about, don’t forget that we have the following convenient ATM locations for you!

Thanks to a partnership between MHCU and Cardtronics, you have ATM access within the following Walgreens store locations:

Lexington• 101 East Reynolds Rd• 2290 Nicholasville Rd• 110 Town Center Dr

(off Leestown Rd)• 2181 Harrodsburg Rd

• 2209 Richmond Rd• 260 New Circle Rd• 3001 Pink Pigeon Pkwy

(Hamburg)

Georgetown• 926 S Broadway St

Winchester• 2045 Bypass Rd

Nicholasville• 901 N Main St

Members Heritage has also partnered with Cardtronics to provide ATM access at the following Murphy Express (a 24-hour gas station located outside Walmart’s parking lot).

Lexington• 2353 Grey Lag Way

(off Sir Barton Way, Hamburg)

Richmond• 818 Eastern Bypass

Zebulon, NC• 801 E. Gannon Ave

And don’t forget our newly added Speedway locations:

• US 27 & Ladish Rd, Cynthiana, KY• 611 Maysville Rd, Mount Sterling, KY• 39 S Maple St, Winchester, KY• 510 Eastern By Pass, Richmond, KY• 125 Darby Dr, Georgetown, KY• 3585 Lexington Rd, Versailles, KY• 5th & Main St, Danville, KY

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Double Your ScoreCard Points!Nov. 23-Dec. 31

Christmas Club

It’s time to go shopping! For those of you who opened a Christmas Club account this year, your balance will be deposited in your primary account on Oct.1st. Happy shopping!

Remember: It’s never too early to start saving for next year! Open a Christmas Club account for just $5 and add to it anytime, in any amount you wish.

Ask us for more details.* Christmas Club accounts limited to one per member.

Online Banking

Interested in online banking? You can sign up online!

Simply go to www.membersheritage.org and in the upper right of the page, click “New User Click Here.” You will then follow the prompts and fill out the appropriate information.

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From Thanksgiving week through New Year’s Eve (Nov. 23-Dec. 31), you can earn Double ScoreCard Points on your Members Heritage MasterCard® or Visa® credit card! For every dollar you spend, you’ll double your points!

ScoreCard gives you great options on redeeming points. ScoreCard offers everything from merchandise to air travel, rental cars and cruises! To redeem your points, go to www.scorecardrewards.com.

Don’t forget to use your credit card this holiday season and Double Your Points!

For Mobile Banking, Just Tap the App

Check balances, move money between accounts and even find the closest ATM right from your mobile phone. Just Tap the App!

Member must be enrolled in online banking in order to access the mobile app.

MHCU Board of Directors

440 Park Place | Lexington, KY 40511

24-Hour LendingApply for a loan anytime! Evenings and weekends, call 800-357-3913.

Bobby A. Flynn – ChairmanJim Allen – Vice ChairmanMike Proctor – SecretaryManlus “Les” Burton – TreasurerJeff Sterne – DirectorMichelle Thomas – Associate Director

Visit Us Online. Be sure to check out www.membersheritage.org on a regular basis. Find news, articles and information about your credit union.

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from ©iStock and/or ©Fotolia. ©2015 Members Heritage

Federally Insured by NCUA

Like us on Facebook!www.fb.com/MembersHeritage

Holiday ClosingsHoliday Closings

Park Place440 Park PlaceLexington, KY 40511859-259-3466800-359-3466Fax 859-455-7281Lobby HoursM–F 8 a.m. to 5 p.m.Sat. 9 a.m. to noonDrive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to noon

Federal Medical Center (FMC)(Employee Access Only)3301 Leestown RoadLexington, KY 40511859-255-7687800-359-3466Fax 859-255-7687Lobby HoursM–F 8 a.m. to 4:30 p.m.

Pimlico3202 Custer DriveLexington, KY 40517859-259-3466800-359-3466Fax 859-455-7255Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to noon

Members Way2420 Members WayLexington, KY 40504859-259-3466800-359-3466Fax 859-455-7302Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to noon

Winchester 339 Shoppers DriveWinchester, KY 40391859-737-3671Fax 859-737-3675Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to noon

Lexmark(Employee Access Only)Lexmark Building 003Lexington, KY 40511Lobby Hours M–F 8 a.m. to 4 p.m.

Nicholasville1039 N. Main StreetNicholasville, KY 40356859-887-3674Fax 859-887-3819Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to noon

Zebulon125 E. Gannon Ave.Zebulon, NC 27597919-404-4747Fax 919-404-4748Lobby & Drive-Thru HoursM–F 8:30 a.m. to 5 p.m.

Locations and Hours

Columbus DayMonday, October 12

Thanksgiving DayThursday, November 26

Christmas Eve & Christmas DayThursday, December 24 at 1 p.m.Friday, December 25Saturday, December 26 IN

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Get Involved at Members Heritage

The Board of Directors is made up of qualified, volunteer credit union members. As a member of our Board, you can help shape the future of the credit union while using your skills to contribute to its mission.

Anyone wishing to run for the Board of Directors must notify the Nominating Committee by Nov. 30, 2015. Contact Lisa at 859-259-3466 x 7239 for more information and to learn the necessary qualifications to volunteer.

Don’t want to run for the Board? MHCU has several volunteer committees that meet monthly to make decisions about our operations, marketing, compliance issues and more. Member involvement is key to our success!

Look for our January 2016 newsletter for our Annual Membership Meeting date to be held in April.