Comments from Your CEO p 2 USA Patriot Act p 3 Securing Your Home Network P 3 Account Rates p 5

Closed Dates p 5 New! Business Accounts p 6 NOTICE OF CHANGES P 7 Money-Saving Tips p 8

IN THIS ISSUE:

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Comments From Your CEO

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Hello to the Membership of the Credit Union

for Robertson County,

This newsletter is our way to update and keep

you informed of what is going on with your

credit union. We express our heartfelt thanks

for your loyal business and for faithfully

utilizing the many valuable services we offer.

We are working hard to be ever more

convenient, fast, dependable and visionary in

the delivery of your services.

We recently completed a state-wide MOCK

Disaster with TEMA/TDFI. We chose to

participate in the disaster drill as a way to

learn to be prepared for whatever situation

might arise. We assure you of our continued

dedication and diligence in serving you and

striving to be prepared in all situations and

circumstances.

The financial condition of your Credit Union

remains strong. Year-to-date, we reflect asset

growth breaking $48 million (with growth in

assets of $3.6 million from one year ago) and

increased numbers of members.

Let this note serve to keep you abreast of your

credit union’s offerings, and to serve as a

reminder, if you are not taking advantage of

these services:

Remote Deposit Capture has been very well

received! It is a total convenience for you--

allowing you to make deposits without

coming into a branch by simply taking a

picture of a check with your phone and

sending it in for deposit. Please, either stop by

or call for instructions on utilizing this

service.

We are rolling out our Small Business

Services and will continue to grow the ability

to meet your needs in this area. Be sure to stop

by or call to inquire about these new services.

In addition to these, the Board has recently

added a new loan product to help you finance

a “Pole Barn.” Come by or call for

information on this new product!

We celebrated in April at our White House

Branch and enjoyed a Ribbon Cutting as we

expanded our space in that location to

include a new Drive Through and more

office space to handle the increased traffic

flow.

We will have information soon about an area

in Pleasant View, with projections, by the

end of 3rd quarter of this year, to announce

our plans for facilities there.

On a final note: Please beware of traps that

you do not need to get tangled up in! The

Consumer Financial Protection Bureau

(CFPB) is presently discussing how

Regulators are planning to crack-down on

payday and auto-title lenders. There is a

“cycle of debt” that is thriving in the lending

industry. According to the CFPB, typical

payday loans of $350 charge a median annual

interest rate of 391%. Though the loans are

designed to be repaid quickly, four out of

five are extended, which is being called a

“debt trap.” One in Five people default on

payday loans. Please beware the “Short

Term Cash Fix,” it can turn in to long-term

debt. We strive to help our members avoid

these types of loans.

“Because YOU Matter” is definitely at the

top of our list in trying to make sure you are

SERVED and we will continue to strive to

deserve your business. Please stop by or give

us a call if we can be of assistance.

In Service,

Wanda E. Mason, CEO

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On October 25, 2001, President Bush signed into law the USA Patriot Act of

2001. The Act is intended to facilitate the prevention, detection and prosecution

of international money laundering and the financing of terrorism.

The Act requires customers of financial institutions to comply with the

identification verification procedures described in the Act.

The Act requires all financial institutions to verify the identity of their customers.

You may not be able to make transactions until documentation of identification is verified.

In addition to deterring money laundering and terrorist financing, comprehensive procedures

for verifying the identity of customers should reduce the growing incidence of fraud and identity

theft involving new accounts.

As such, the CREDIT UNION for Robertson County requires the following documentation prior

to opening accounts and causing transactions.

Individuals: government issued identification that evidences nationality or residence and

bears a photograph or similar safeguard. It must be unexpired.

Non-individuals: documents showing the existence of the entity (registered articles of

incorporation, a government issued business license, partnership agreement, or trust

instrument).

USA Patriot Act

Learn how to protect yourself, your family and your devices with these tips and resources from StaySafeOnline.org

A protected home network means your family can use the Internet safely and securely.

Most households now run networks of devices linked to the Internet, including computers, laptops, gaming devices, TVs, tablets, and smartphones that access wireless networks. To protect your home network

and your family, you need to have the right tools in place and confidence that family members can use the Internet safely and securely.

The first step is to Keep a Clean Machine and make sure all of your Internet-enabled devices have the latest operating system, web browsers and security software. This includes mobile devices that access your wireless network.

Secure Your Wireless Router

A wireless network means connecting an Internet access point – such as a cable or DSL modem – to a wireless router. Going wireless is a convenient way to allow multiple devices to connect to the Internet from different areas of your home. However, unless you secure your router, you’re vulnerable to people accessing information on your computer, using your Internet service for free and potentially using your network to commit cybercrimes.

Here are ways to secure your wireless router:

Change the name of your router: The default ID - called a service set identifier‖ (SSID) or ―extended service set identifier‖ (ESSID ) – is assigned by the manufacturer. Change your router to a name that is unique to you and won’t be easily guessed by others.

Continued on Page 7

Securing Your Home Network

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TruStage Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not avai lable in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. *Average annual savings based on countrywide survey of new customers from 01/27/2014 to 01/16/2015 who reported their prior insurers’ premiums when they switched to Liberty Mutual’s group auto and home program. Savings do not apply in MA. AHL-1123803.2

Be sure to check out

our website at www.tcurc.org

for all the latest CREDIT UNION

news & happenings!

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HOLIDAY Memorial Robt Co

North-

Crest

Stone-

View

White

House

Electrolux

Independence Day | July 4 Closed Closed Closed Closed Closed Closed

Labor Day | Sept 5 Closed Closed Closed Closed Closed Closed

Columbus Day | Oct 10 Closed Closed Closed Closed Closed Closed

Veterans’ Day | Nov 11 Closed Closed Closed Closed Closed Closed

Thanksgiving Day | Nov 24 Closed Closed Closed Closed Closed Closed

Friday after Thanksgiving | Nov 25 OPEN Closed OPEN OPEN OPEN OPEN

Friday Dec 23 OPEN Closed OPEN OPEN OPEN TBA

Christmas Day OBSERVED | Dec 26 Closed Closed Closed Closed Closed Closed

New Year’s Day OBSERVED | Jan 1 Closed Closed Closed Closed Closed Closed

RATES Dividends Declared 1st & 2nd Quarter 2016

paid as declared.

Projected 3rd Quarter 2016

Regular Shares $100 & up 0.15% APY

Youth Share $20.01 & up 1.00% APY

VISA Secured Share $100 & up 0.15% APY

Vacation & Christmas Club 0.15% APY

IRA 0.60% APY

Health Savings Account 0.50% APY

Elite $25K-$75K 0.25% APY*

Elite $75K-$125K 0.35% APY*

Elite $125K & up 0.45% APY*

* Rates are variable and subject to change monthly.

This Credit Union federally insured by the NCUA

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This account is perfect for non-profits, clubs,

teams or other groups with limited cash flow.

Minimum deposit required to open this

account is $50.00. The minimum balance

requirement is $100.00. If at any time during

the month, the balance falls below the

minimum, there is a $5.00 service charge for

the month. Additional fees, limitations and

restrictions may apply. Please stop by or call

for more information.

E-Business (Electronic Banking)

Open with a minimum deposit of $100.00. E-

Statements are required for E-Business

accounts. No monthly service charge.

Unlimited use of Online Banking Services

including BillPay (as approved) and real-time

text & email alerts. Other fees, limitations

and restrictions may apply. Please stop by or

call for more information.

Small Business Checking

This account is great for low volume

transaction accounts. Open with a minimum

deposit of $250.00. Monthly service charge

$15.00 if balance falls below $1,000.00 at

any time during the month. Additional fees,

limitations and restrictions may apply.

Please stop by or call for more information.

Premium Business Checking

This account Is ideal for sole proprietors,

partnerships and corporations with less than

200 transactions per month. Open with (Continued on page7)

Business Accounts

Now Available!

Your Credit Union is now offering Business

Accounts—including business checking! There

are several account choices; one is sure to fit your

needs!

With the introduction of our new Business

Accounts, there are a couple of things you need

to know . . . if you currently have a business

account with us (or your account is determined to

be a business account due to the type of activity

on the account) you will be receiving a ―Notice of

Change‖ letter asking for a selection of the type of

business account you wish to convert to. You will

have 30 days to respond, after which time, if we

have not heard from you, the credit union will

convert your account (based on the activity in the

account) to an appropriate business account type.

In the near future, we will also have more

business services available, such as merchant

services and night drop deposit access for larger

business deposits (at the StoneView Branch

location only).

Here is a brief overview of the types of Business

Accounts available. Stop by or call for information

on what documentation is required to open a

Business Account.

Share/Savings Account Eligibility requirements must be met, and the Share/

Savings Account is required to establish and

maintain credit union membership. There is a one-

time $5.00 joining fee.

Minimum balance to open the Share/

Savings Account is $20.00. Minimum

average daily balance required to obtain the

disclosed annual percentage yield is

$100.00.

Non-Dividend Share/Savings Account

The business may elect, and will agree, to

have a non-dividend paying Share/Savings

Account. Minimum balance required to open

this account is $20.00. There will be no

dividend paid on this account.

Organizational Business Checking

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Business Accounts (continued from page 6)

a minimum deposit of $500.00. Monthly service charge is $15.00 if balance falls below $1,500.00.

Unlimited use of Online Banking Services including BillPay (as approved) and real-time text &

email alerts. Additional fees, limitations and restrictions may apply. Please stop by or call for more

information.

Commercial Business Checking

This account is perfect for business with a larger transaction volume. Open with a minimum

deposit of $1,000.00. Monthly service charge is $15.00 if balance falls below $3,000.00. Unlimited

use of Online Banking Services including BillPay (as approved) and real-time text & email alerts.

Additional fees, limitations and restrictions may apply. Please stop by or call for more information.

Term Share Certificate (3 to 60 months)

Dividend rate is based on the term you choose for your Certificate. Please call or stop by for more

information.

Securing Your Home Network (continued from page 2)

Change the pre-set password on your router: When creating a new password, make sure it is long and strong, using a mix of numbers, letters and symbols.

Review security options: When choosing your router’s level of security, opt for WPA2, if available, or WPA. They are more secure than the WEP option.

Create a guest password: Some routers allow for guests to use the network via a separate password. If you have many visitors to your home, it’s a good idea to set up a guest network.

Use a firewall: Firewalls help keep hackers from using your computer to send out your personal information without your permission. While anti-virus software scans incoming email and files, a firewall is like a guard, watching for attempts to access your system and blocking communications with sources you don't permit. Your operating system and/or security software likely comes with a pre-installed firewall, but make sure you turn on these features.

Protect Yourself with these STOP. THINK. CONNECT. Tips:

Keep security software current: Having the latest security software, web browser and operating system is the best defense against viruses, malware and other online threats.

Protect all devices that connect to the Internet: Along with computers, smartphones, gaming systems and other web-enabled devices also need protection from viruses and malware.

Plug & scan: USBs and other external devices can be infected by viruses and malware. Use your security software to scan them.

Protect your $$: When banking and shopping, check to be sure the sites is security enabled. Look for web addresses with ―https://‖ or ―shttp://,‖ which means the site takes extra measures to help secure your information. ―Http://‖ is not secure.

Back it up: Protect your valuable work, music, photos and other digital information by making an electronic copy and storing it safely.

For more tips on cyber security for home and business, visit: www.staysafeonline.org.

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Upon agreement of the Board of Directors for The Credit Union for Robertson County, the

following changes have been made, effective 8-1-16, to the schedule of fees:

Additional or Replacement ATM/Debit card ................................ $8.00

Notice of New Card Product—Effective July 1, 2016 Upon agreement of the Board of Directors for The Credit Union for Robertson County, the

following new product will be available beginning July 1, 2016:

EMV VISA TravelMoney Card .................................................... $8.00

Notice of Fee Changes—Effective August 1, 2016

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Summer is a great time to take advantage of the fresh produce found in abundance at your local farmer’s markets (if you, like me, don’t have a green thumb or don’t have time or space to grow your own!) Fresh fruits and veggies can be canned for use in the fall and winter when they are far more expensive to purchase—if they are available at all.

Canned tomatoes are not difficult to “put up” (the term we use here in the south for pre-serving foods) and can be a great addition to your fall and winter soups, stews and sauces. When at the farmers’ market, look for VERY ripe tomatoes or ask if they have any “canning” to-matoes. These are usually tomatoes that are on the verge of being too ripe to use for slicing, and can sometimes be purchased for less than the table-ready ones. It’s OK to haggle a little over price. After all, better to sell them than to have to throw them out.

Keep in mind that tomatoes will need to be canned right away to prevent them from spoil-ing; so don’t buy a box of canning tomatoes if you cannot complete the process within a day or two at most. Step by step instructions on can-ning tomatoes using jars (recommended method) can be found easily by doing a quick Google search on the internet.

Fruits like blackberries, blueberries, and straw-berries can be frozen with very little effort and used later for ice cream toppings or in cakes. Of course, they are available for purchase in stores in the frozen food section, but you will pay more for them than if you do this yourself.

Wash the berries and let them dry or remove the moisture with paper towels or CLEAN kitchen towels as best you can. Place berries in a single layer on wax paper on a cookie sheet. Make sure the berries don’t touch each other. Place the cookie sheet in your freezer for a cou-ple of hours. Once frozen solid, you can put the berries in plastic zip-lock type bags for storage in your freezer for up to six months. The freezing process will change the texture of the berries when thawed, so they will not be as firm as when they are fresh, but the flavor is still won-derful.

Veggies like green beans and squash can be stored in freezer bags. Wash the squash and cut off the ends first and slice away any blemishes. Cut the squash into 3/4 inch slices or into chunks. With green beans, choose ones that are bright green and firm. Avoid beans with blem-ishes or that are limp or shriveled. Some varie-ties have a stringy fiber that runs the length of the bean. If your beans have this, remove it. Cut both ends off. You may leave them whole or cut into 1 to 2- inch pieces. Next, blanch the veggies (dunk for a couple of minutes in boiling water). This does not “cook” the veggie, but will prevent it from becoming mushy after it’s frozen and then thawed and removes the enzymes and bacteria that, over time, remove the nutrients and flavor from the veggies. The texture will stay reasonably firm. Once blanched, transfer the hot veggies to a bowl of ice water to stop the cooking process. You can put the veggies in a freezer bag right away, or you can use the same freeze-twice method as with the berries: After blanching, drain the veggies well. Place on wax paper in a single layer on a cookie sheet and freeze. Once frozen solid, transfer them to the freezer bags. This will prevent you from having a frozen block of veggies that you must use all at once; you can just take out the amount that you need. (Note: I have added diced or chopped onion to the process on both the squash and the beans and it works very well!)

You may be tempted to add some salt to the water when blanching for a little flavor, but this can cause the veggies to be mushy when they are thawed. It works better to add your salt when you are preparing your dish rather than at the freezing stage.

This article merely touches on a couple of ways you can save money by easily preserving fresh, in-season produce. There are many valuable online sites with a quick Google search that can provide variations in preserving methods and canning recipes for just about any type of fruit or vegetable you can use in the winter months.

Happy preserving! Happy SAVING!

You CAN Save Money “putting up” Your Own Produce