FOR THE MEMBERS OF COLUMBUS METRO FEDERAL CREDIT UNION

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IRA REMINDER

You still have time to fund your IRA for tax year 2018, but April 15 will be here before you know it. Qualified taxpayers can contribute up to $5,500 for 2018 and 2019. If you are over the age of 50, you can contribute an extra $1,000 per year for a total of $6,500.

Columbus Metro offers both traditional and Roth IRAs with competitive rates and the security of up to $250,000 in federal deposit insurance. For more information, stop by any of our offices or call us at 614.239.0210 or 800.986.3876.

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Candidates For The 2019 Board Of Directors

America Saves Week

Auto and Home Insurance

Tax Reform

www.columbusmetro.org

DOWN PAYMENT ASSISTANCE UP TO $5,000Qualified homebuyers could receive up to $5,000 to assist with down payment and closing costs through the Federal Home Loan Bank’s Welcome Home program.

To apply for the grant, homebuyers must meet certain guidelines:

• Homebuyers must have a purchase contract on an eligible property dated on or after March 1, 2019.

• Total income for all occupants who will reside in the home cannot exceed 80% of the Mortgage Revenue Bond Limit for the county where the property is located. In Delaware, Fairfield, Franklin, Licking, Madison & Pickaway counties, that limit was $59,600 for households of one to two people and $68,540 for households of three or more in 2018*.

• Homebuyers must contribute at least $500 of their own funds towards the down payment and/or closing costs.

• First-time homebuyers (defined as anyone who hasn’t owned a home in the past three years) must complete a homebuyer counseling course prior to loan closing. Applicants do not have to be first-time homebuyers.

In addition, applicants must be purchasing an eligible property:

• The property will be the buyer’s primary residence. • The property is a single family, townhome, condominium, duplex, multi-unit (up to four

units) or a qualified manufactured home. • The household may be required to repay all or a portion of the grant if the home is sold or

refinanced within five years.

For more information on the program, contact our mortgage specialist, Jenniffer McNamee, at 614.239.0210 ext. 3026 or jmcnamee@columbusmetro.org. If you’re ready to buy, you can apply online at www.columbusmetro.org/About/Forms (look for the links under the Loans heading).

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*Income limits and other requirements are subject to change without notice.

Super Money Market$20,000 to $49,999 ..... 0.50% APY$50,000 to $99,999 ......0.75% APY$100,000 or more ........1.75% APY

6 Month Share or IRA Certificate$1,000 minimum ......... 1.25% APY

12 Month Share or IRA Certificate$500 minimum ............. 1.50% APY

15 Month Share or IRA Certificate$500 minimum ............. 1.50% APYAllows deposits of $250 or more

36 Month Share or IRA Certificate$500 minimum ............. 2.10% APY

60 Month Share or IRA Certificate$500 minimum ............. 2.50% APY

Education Growth Fund Certificate$250 minimum ............. 3.25% APY

Vehicle Loan (2018 to 2019)As low as ...................... 4.24%*Up to 72 months

Vehicle Loan (2014 to 2017)As low as ...................... 4.49%*Up to 66 months

Vehicle Loan (2013 & older)As low as ...................... 5.49%*Up to 60 months

Credit CardsVisa Platinum .... 9.90-13.90% APR*

Home Equity Loan—Fixed RateCall for ratesUp to 180 months

Home Equity Line of CreditRedi-Line ......................4.75% APR

First MortgagesContact Jenniffer McNamee at ext. 3026or jmcnamee@columbusmetro.org

Rates current as of 12/06/18 and subject to change without notice. See a Member Services Representative for full details. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Loans made subject to standard loan approval guidelines. *The rate you pay may vary based on your credit history and/or loan-to-value ratio.

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Federally insured by NCUA

CANDIDATES FOR THE 2019 BOARD OF DIRECTORSIn accordance with the Columbus Metro Federal Credit Union bylaws, each year a nominating committee recommends a slate of candidates to fill openings on the board of directors. The committee reviewed the applications received from members by the November 9, 2018, deadline and determined the following slate of candidates. Since there is just one nominee for each position, the committee’s nominees are declared elected and no election will be necessary.

Barbara KingMrs. King retired from DSCC after 35 years of government service. During her federal career, she served as a purchasing agent and contract specialist as well as a tax auditor with the Internal Revenue Service. Mrs. King attended The Ohio State University and Franklin University. She is a lifelong member of Trinity Baptist Church, where she is currently serving as the administrative assistant to the pastor and is involved in numerous other ministries of the church. Her family includes two daughters and sons-in-law and five grandchildren. A credit union member for 56 years, Mrs. King served on its supervisory committee for 13 years and now begins her eighth term on the board of directors.

Chinita MontgomeryMrs. Montgomery is the president of Entire Financial Services, LLC, and has been an independent insurance agent specializing in life, disability, long-term care insurance and retirement planning for civilian federal employees since 1988. She attended The Ohio State University on a track scholarship and earned a Bachelor of Arts and Science. She is a Life Underwriter Training Council Fellow and a member of the National Association for Fixed Annuities. Mrs. Montgomery has volunteered for a wide variety of organizations including the Columbus Christian Center, Meals on Wheels, the Central Ohio Rescue and Restore Coalition and the Urban League. She has served on the credit union’s supervisory committee since 2009 and was appointed to fill an open position on the board of directors in 2017.

George MussiMr. Mussi retired as the Safety/Service Director for the City of Reynoldsburg. Prior to that, he served the City of Columbus in various executive-level management positions for 14 years. He is a Vietnam veteran and served 30 years in the Marine Corps, retiring as a sergeant major. Mr. Mussi attended the Ohio State School of Continuing Education in Public Administration, the University of Wisconsin and the University of Maryland. He is a life member of Veterans of Foreign Wars Post 9473 and a member of the American Legion. He also served on the board of directors for the Franklin County Emergency Management Association. He and his wife of 57 years, Rosalie, are the parents of three grown children and reside in Westerville. Mr. Mussi has been a credit union member for 42 years and begins his sixth term on its board of directors. He currently serves as vice chairman.

ANNUAL MEETING SET FOR MARCH 12Mark your calendars for our annual meeting on Tuesday, March 12, 2019. The

meeting will be held at the Crossroads Wedding & Event Center, located in the Hamilton Square Shopping Center at 169 Fairway Blvd. Doors open at 4:00 p.m.

and the meeting begins at 4:30 p.m.

BOARD OF DIRECTORS

TAX REFORM – WHAT YOU NEED TO KNOWTax reform is here … do you know how it will affect you? Approximately 42% of surveyed taxpayers don’t know how the new tax law will affect their 2018 return.

Here are some of the most important changes:

1. Changes to tax bracketsThe seven tax brackets found in the former law remain, but a number of tax rates are lower. The income thresholds at which the rates apply also change. That means you can decrease your tax burden with deductions that place you in a lower tax bracket.

2. Changes for familiesUnder the new tax law, the personal and dependent exemptions of $4,050 were eliminated, so families with several kids will see a big reduction in the number of write-offs available. However, the Child Tax Credit doubled from $1,000 to $2,000. If you’re saving for your kids’ education via a 529 plan, this creates an opportunity to increase your contribution – tax-free – without trying to find those funds in your current budget.

3. Changes for homeownersThe new law limits the amount of state and local property, income and sales taxes that can be deducted to $10,000. In the past, these taxes have generally been fully deductible. Due to this cap and the fact that the standard deduction has almost doubled, many homeowners will take the standard deduction instead of itemizing for the first time in years.

4. Changes to other deductionsThe new law eliminated several other popular tax breaks starting in tax year 2018. This includes miscellaneous items like job search expenses, unreimbursed work expenses, investment expense and tax preparation fees as well as moving expenses.

Don’t worry – TurboTax has you coveredFortunately, you don’t have to worry about knowing the new tax laws. TurboTax is always up to date with the latest forms and 100% accurate calculations. With TurboTax, you can file your taxes with complete confidence – and get your biggest possible refund, guaranteed. When you are ready to file, go to www.columbusmetro.org to access TurboTax and your savings!

Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2018. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.

TURN TAX SEASON INTO SAVING SEASONSAVE UP TO $15Visit your credit union’s website to save today!

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BY PHONE614.239.0210800.986.3876

BY FAX614.239.0988

BY EMAILcmfcu@columbusmetro.org

BY MAILP.O. Box 13240Columbus, OH 43213-0240

VISIT US4000 E. Broad St.Columbus, OH 43213

6623 E. Main St.Reynoldsburg, OH 43068

5600 N. Hamilton Rd. Gahanna, OH 43230

DSCC Building 20Room B110S

DFAS Building 21Room A132

24-HOUR SERVICESMetroWebwww.columbusmetro.org

Bill Pay Support844.357.5638

Visa® Balance & Payment Inquiries800.442.4757www.gotomycard.com

Lost or Stolen Visa800.442.4757

Lost or Stolen Debit MasterCard®

800.528.2273

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WHY WE IDAny time you visit one of our offices, our staff may ask you for government-issued photo identification before completing a transaction or providing account information to you.

This policy is not meant to inconvenience anyone; it is for your protection. It ensures that we do not give cash, account balances or other personal details to anyone other than you and any joint owners on your account.

This policy applies to all members, including minors. Many schools now issue photo ID to their students, and these are acceptable identification. Ohio residents, regardless of age, can apply for an Ohio Identification Card at any Deputy Registrar License Agency office. (Please note that the State of Ohio now produces and mails all state-issued ID from a central location. If you renew your license or ID, you will be given an Ohio Interim Identification form to use until the new ID arrives by mail. Please be prepared to present both the interim ID form and your expired license or ID.)

We thank you for understanding our policy and for being prepared to present your ID when asked.

AMERICA SAVES WEEKIf you resolved to save more money in 2019, February 25 – March 2 is a great time to start. America Saves Week is a national campaign encouraging individuals to reduce debt and build wealth.

For tips on getting started, strategies for saving, saver success stories and more, visit www.AmericaSavesWeek.org. You can take the America Saves Pledge and sign up to receive helpful tips and reminders to save throughout the year. And be sure to look for information on the #ImSavingForSweepstakes for your chance to win cash prizes to jumpstart your savings.

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You want car and home insurance that you can depend on and rates you can afford. On average, members who switch save up to $782*. Make a simple phone call today to determine the discounts you qualify for.

TruStage® Auto & Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. *Average combined annual savings based on countrywide survey of new customers from 8/1/16 to 8/1/17 who reported savings from prior insurers’ premiums when they switched to Liberty Mutual. Savings comparison does not apply in MA. Coverage provided and underwritten by Liberty Mutual Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116 USA. Equal Housing Insurer © Liberty Mutual Insurance Company. © TruStage Insurance Agency 2018

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YOU COULD SAVE ON YOUR CAR AND HOME INSURANCEDesigned for credit union members

AUTO & HOME INSURANCE

Call for your FREE, no obligation quote.

Toll-free 1-888-380-9287Visit us at TruStageAutoHome.com

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P.O. Box 13240Columbus, OH 43213-0240

Presorted STDU.S. Postage

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MARTIN LUTHER KING JR. DAY Monday, January 21

PRESIDENTS’ DAY Monday, February 18

CREDITViews

DEPOSIT CHECKS FROM YOUR MOBILE DEVICE

Save time and gas when you deposit your checks with MetroWeb Mobile’s new mobile deposit feature. Simply take a picture of your endorsed check and submit. It’s fast, secure and free for eligible members.

How to use mobile deposit: 1. Choose Deposit Check from the MetroWeb Mobile menu. If this is the first time

you’ve used mobile deposit, you’ll need to specify which account(s) you want to deposit to. You’ll receive notification when your request has been approved.

2. Enter the check amount.

3. Choose the account to deposit to.

4. Endorse the back of your check with your signature and For Mobile Deposit Only.

5. Follow the on-screen instructions to take a picture of both sides of the check and click Submit. If there is an issue with the check image(s), you will be prompted to try again.

6. Once your check is received, you can view its status anytime within the MetroWeb Mobile app.

If you have any questions or need help getting started, stop in any of our offices or call 614.239.0210 or 800.986.3876 for assistance.