Mortgage…page 1President’s Letter…page 2

Shared Branch Closing…page 2Income Plan for Retirement…page 3Scams Targeting the Elderly…page 3

Centra Foundation – Fall Programs…page 4

Save Money on Your Sprint Wireless Plan…page 4

N E W S F O R C E N T R A M E M B E R S O C T O B E R - D E C E M B E R 2 0 1 4

Where We AreMember Service Centers ColumbusNational Road1430 National RoadPO Box 789Columbus, IN 47202(812) 376-9771(800) 232-3642

Union Street601 Union StreetPO Box 789Columbus, IN 47202 (812) 372-8811

26th Street2020 26th StreetPO Box 789Columbus, IN 47202(812) 378-5962

SR 46 West2165 Jonathan Moore PikePO Box 789Columbus, IN 47202(812) 376-7661Walesboro2010 W. 450 SouthColumbus, IN 47201(812) 342-4403

Edinburgh11700 North U.S. 31PO Box 158Edinburgh, IN 46124(812) 376-9979

South-Central Indiana Greensburg Plaza1803 North Lincoln St. Suite AGreensburg, IN 47240(812) 662-9392

Madison303 Clifty DrivePO Box 1050Madison, IN 47250(812) 273-8844

North Vernon975 Veterans DriveNorth Vernon, IN 47265(812) 346-9596

Seymour520 South Jackson Park Dr.PO Box 363Seymour, IN 47274(812) 523-3230

Shelbyville2450 E. State Road 44Shelbyville, IN 46176(317) 392-2100

Southern Indiana Clarksville WalmartWalmart #14761351 Veterans ParkwayPO Box 2927Clarksville, IN 47129Phone: (812) 284-4180

Jeffersonville2125 Veterans ParkwayJeffersonville, IN 47130(812) 288-2450

New Albany710 Pillsbury LaneNew Albany, IN 47150(812) 944-1325

Scottsburg281 N. GardnerPO Box 400Scottsburg, IN 47170(812) 752-3377

Scottsburg WalmartWalmart #11421618 W. McClainPO Box 354Scottsburg , IN 47170Phone (812) 752-7010

Sellersburg7812 State Road 60Sellersburg, IN 47172(812) 280-2820

IndianapolisCarmel11711 N. Pennsylvania, Suite 101Carmel, IN 46032(317) 843-5380(800) 421-4111

Shadeland4562 N. Shadeland Ave.Indianapolis, IN 46226(317) 541-1960

Outside IndianaJamestown, NY4720 Baker StreetPO Box 26 Lakewood, NY 14750 (716) 763-4405

Whitakers, NC9377 N. U.S. 301 PO Box 100Whitakers, NC 27891(252) 437-9214

Administrative CentersColumbus Corporate Offices3801 Tupelo Drive PO Box 789 Columbus, IN 47202

Mortgage Center70 Carr Hill RoadPO Box 789Columbus, IN 47202

JeffersonvilleSouthern Indiana Administrative Center1990 Charlestown New Albany Pike Jeffersonville, IN 47130

Shared Branch and ATM Locations For a list of nationwide shared branches and ATM locations, visit www.centra.org.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

Holiday ClosingsNovember 11 – Veterans’ Day November 27 – Thanksgiving December 24 – Close at Noon December 25 – Christmas December 31 – Close at Noon January 1, 2015 – New Year’s Day

New, Improved Website Coming Soon! Look for exciting Centra website changes coming soon in November! We’re anxious to roll out the improvements we’ve been working on for several months. One major improvement will be that the new site featurse responsive design, which allows the website to appear similarly on a wide variety of devices including desktop computers, laptops, tablets, smart phones and other mobile devices. The new centra.org will include a robust search feature so you can more easily find the topics and services you’re looking for. It will have a simpler, cleaner

appearance, with quicker access to important content, and include enhanced capability for displaying video. Watch for more info about our newly designed website on our current site and in email.

In this issue:

Centra Foundation – Fall ProgramsThe last few months of the year are a busy time for the Centra Foundation! We are working with local schools and teachers to offer the opportunity to participate in financial literacy programs. Understanding the value of money and developing money management skills are vital for children and adults. Our goal is to reach 2,000 students during the school year.

The Foundation provides two programs! Saving with Mandy and Randy for second grade students and Making the Right Money Moves, designed for high school students. Teachers and students enjoy the interactive learning opportunities. Scott Seavers, Personal Finance teacher at Columbus North, said about the Making the Right Moves program, “I like the program for several reasons, most of all because it is information that pertains to “real life” and teaches concepts that all of us will use at some point in our lives. I also like the fact that we look at credit applications from the viewpoint of the lender. This helps us understand what is important to help maintain and build our credit scores.” 

Marah Bieger benefited from the program and told us, “I truly feel taking Personal Finance and using the Making the Right Money Moves program in class helped me prepare for and understand topics about personal finance that I will be using in the future. I know I will be a step ahead when the time comes for me to put my new skills to use!”

We are also making plans for the Holiday Program. Please mark your calendars for Monday, November 24th. We will again be accepting donations at Centra branches to make sure less fortunate children in each of our communities have winter clothes and toys. Last year, thanks to the generosity of Centra members, more than 170 children had gifts to open in December! Donations ranged from $.12 to $500. Non-profit groups struggle each year to raise the funds needed help vulnerable children and really appreciate the Holiday Program. When Centra members work together, we make a difference!

Learn more about the Centra Foundation and how you can help make a difference at www.centrafoundation.org.

Save money on your Sprint wireless plan! As a Centra member, there’s never been a better time to save money on your wireless service. Sprint has phones, PDAs, push to talk, data service plans, music downloads, TV and more! Plus, with Sprint’s New Satisfaction Guaranteed Policy, you get a chance to open a new line of service and try Sprint for 30 days! Visit www.lovemycreditunion.org for details.

Your Holiday Shopping Just Got Better!It’s easy to Sign & Win! • Use your Centra MasterCard® Debit Card or Centra Visa® Credit Card for ALL your shopping. • Sign for your purchase (don’t use your PIN). • You’re automatically entered to win the amount of your purchase

(up to $100). Payout minimum is $25. • One winner will be selected each day. • PLUS – earn double reward points for all purchases! • November 1 – December 31, 2014

Don’t have a Centra MasterCard Debit or Visa Credit Card? Now is the time to get one! Stop by any Centra location or apply online. Need to activate your card? Just call 800-232-3642.

The Perfect Home, the Perfect Loan!Today is the best time to check out some of the lowest rates on the market with Centra Credit Union’s home loans. Now, you can afford to make the offer on the home you’ve been dreaming about. Or refinance your current home loan. Or even take on that remodeling project you’ve been wanting to do. You’ll find a variety of options to choose from at Centra Credit Union. You’ll find our rates extremely competitive when compared to other financial institutions. And, we service all of our Mortgage Loans right here at Centra.

Let us help find just the right home loan for YOU!

Fixed Rate Mortgages: Inquire about the advantages of fixed loan rates with predictable payment schedules. Centra offers low rates and a range of options for you.

Home Equity Loans: Use the difference between how much your home is worth and how much you currently owe on the mortgage to your advantage. Home equity loans are ideal for an addition to your home, your child’s college tuition or an unexpected major expense.

Second Mortgages: Little or no equity available in your home? A second mortgage loan from Centra can help you achieve your goals.

Adjustable Rate Mortgages: An adjustable rate mortgage, or an “ARM” as it is commonly called, usually offers a lower interest rate than long-term fixed-rate loans. This can translate to a lower monthly house payment or might qualify you for a larger loan amount.

Construction Loans: For your building project, utilize a Centra construction loan. With this type of loan, the contractor and the lender establish a draw schedule based on stages of construction, and interest is charged on the amount of money disbursed to date.

And with Centra’s Online Mortgage Center, applying for a loan has never been easier.

Check us out online at centra.org, stop in the nearest Centra location, or call us at 800-232-3642.

Get ready! Get set! Go! Conway ToursUpcoming Trips 2014Oct. 9 – 16: NORTH CAROLINA – MOTOR COACH TRIP

Dec. 1 – 5: CHRISTMAS IN THE SOUTH – TENNESSEE & GEORGIA MOTOR COACH TRIP

2015 Feb 25 – March 8: HAWAII

April 17 – 25: SPRINGTIME TULIP CRUISE FEATURING DUTCH AND BELGIAN WATERWAYS

CALL: 812-379-9811 or toll free 1-877-866-5619

Be Aware Be SafeScams Targeting the Elderly and UnsuspectingA recent survey identifies that 1 in 5 adults over the age of 65 (7.3 million) has been ripped off by scams ranging from telephone fraud, over-hyped annuity returns, reverse mortgages, mail order brides, free lunch seminars and the ever-present Nigerian Letter scam.

One of the many ways you can help protect your older family members is to put their home telephone number and their cell phone number on the National DO NOT CALL List by logging on to: https://www.donotcall.gov/reg-ister/reg.aspx or you can call (888) 382-1222.

Found MoneyEdinburgh One of our members refinanced a loan from FORUM Credit Union. Even when adding GAP protection on their loan, they were able to save $80 each month. They were very happy when they were also approved for a Visa Platinum card. Talk to us today about a Loan Check-Up and let us try to save you money!

Christmas Club NewsFor all members currently anticipating a Christmas Club check, your funds will instead be transferred directly to your regular savings account on October 31 to make your holiday shopping even easier.

Centra can help you achieve all your dreams!We are striving each day to have Centra come to mind first every time you have a financial need. We can be your one-stop financial partner, providing you with the convenience, pricing and local, friendly, personalized service you deserve. Centra has branches nearby, nearly 30,000 free ATMs, a Member Service Call Center dedicated to you, and technology to save you time.

When you need a new car, think of Centra. How about when you want to remodel your home? Or even if you want to move to a different home or refinance the one you have. Checking, mobile deposit, online banking with bill pay. Market-leading savings rates. A great deal on a Visa credit card with low rates and reward points. Think of Centra for all these needs.

Stop in, give us a call, check out our website. For mortgages and home equity loans. Auto and other vehicle loans. Free, High Interest, Rewards, and Student checking. Low-rate credit cards. Free debit cards. Mobile banking and mobile deposit. Business accounts – loans to help your business grow, as well as business deposit accounts. Insurance, mutual funds, stocks and bonds.* Whatever you have in mind to help you achieve your financial goals in life, we have the products and services you need. And whether you prefer to bank by phone, computer, mobile device or face-to-face, we have financial solutions available for you. Visit us online (www.centra.org), call us (800.232.3642), email us (memberservice@centra.org), or come in to talk with our friendly, expert employees. We’re here ready to help!

Doug Harris President*Insurance and investment services provided by Centra Financial Services (CFS), a wholly-owned subsidiary of Centra Credit Union. CFS Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Insurance sold through licensed CUNA Mutual Life Insurance Company Representatives, and in New York, licensed insurance representatives of other companies. Nondeposit investment products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.

The Right Income Plan for Your RetirementFor many Americans, their retirement plan is primarily focused on saving and growing as much income as possible by the time they retire. Retirement can last

30 years or longer. To make sure that you have a comfortable income for the length of your retirement, it is important to build a retirement income plan that will allow you to turn your many years of savings into a reliable and sustainable retirement paycheck.

Today, a good retirement income strategy is more likely to be a quilt made up of different elements that are based on your individual needs, goals, and resources. Let’s look at some of the factors you should take into consideration as you build your retirement income plan:

• Choose the Right Age to Start Taking Your Social Security Income • Diversify Your Taxes• Determine a Realistic Withdrawal Rate• Take Advantage of New Resources

If you have any questions, or would like to hear more about the information presented in this article, please contact any of the Centra Financial Services Advisors listed here.

Patrick Ballard(812) 314-0331pballard@centra.org

*Source: CNNMoney.com from the editors of Money Magazine. Representatives are not a tax advisors or legal experts. For information regarding specific tax situations, please contact a tax professional. For legal advice, consult an attorney.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

FR-1006967.1-0914-1016

The Right Checking Account for YouCentra has just the checking account for you. We offer several great checking account options, so you can choose the one that gives you the benefits that matter most to you.• High Interest Checking: You don’t

have to be a millionaire to earn a great rate of interest on your checking account.

• Rewards Checking: Get rewarded for your day to day transactions, then redeem points for brand-name merchandise, travel, and more.

• Free Checking: If FREE grabs your attention, this simple account could be the one for you.

• Student Checking: Get a smart start on your finances with a checking account just for students, including no Centra ATM fees.

• Opportunity Checking: Rebuild your financial record with the Opportunity Account.

More for FreeEvery one of our accounts comes with these standard free features: online and mobile banking; mobile deposit; online BillPayer; eStatements; email and text alerts and nearly 30,000 surcharge-free ATMs.

Follow the registration steps below.1. Enter up to three phone numbers

and your email address. Click Submit.

2. Check for errors. Click Register.3. Check your email for a message

from Register@donotcall.gov.

Open the email and click on the link within 72 hours to complete your registration.

Kent Weigel(812) 314-0299kweigel@centra.org

Gregory W. Hardin (812) 288-2450, ext. 2806 gharden@centra.org

Shared Branch Closing NotificationIf you use stand-alone shared branch facilities in the Indianapolis area or in Northern Indiana, please note that these branches will be closing soon. Credit union-owned branches that operate as shared branches – such as Centra’s Shadeland, Carmel, Shelbyville and Greensburg branches – will not be impacted. There are more than 200 shared branch outlets in Indiana that will continue to serve credit union members throughout the state, and more than 5,000 branch locations throughout the United States.

Shared branches closing include:56th Street Service Center, IndianapolisPortage Service Center, PortageHickory Service Center, South BendSpeedway Service Center, Speedway East Washington Service Center, Indianapolis Hobart Service Center, Hobart

For a complete directory of shared branches nationwide, visit the Locations & Hours tab at centra.org or call 888-748-3266.

Work With Someone You TrustHelping you plan for life, our experienced professionals listen to your needs and then help you make the right financial decisions for you and your family. We specialize in answering questions about retirement plans, 529 College Savings plans, mutual funds, and other types of investments.

In fact, why not stop in and we’ll provide you with a free savings review. Just call any of our Financial Advisors listed on this page today!

Free Savings Investment Review

Redeem Today

Get ready! Get set! Go! Conway ToursUpcoming Trips 2014Oct. 9 – 16: NORTH CAROLINA – MOTOR COACH TRIP

Dec. 1 – 5: CHRISTMAS IN THE SOUTH – TENNESSEE & GEORGIA MOTOR COACH TRIP

2015 Feb 25 – March 8: HAWAII

April 17 – 25: SPRINGTIME TULIP CRUISE FEATURING DUTCH AND BELGIAN WATERWAYS

CALL: 812-379-9811 or toll free 1-877-866-5619

Be Aware Be SafeScams Targeting the Elderly and UnsuspectingA recent survey identifies that 1 in 5 adults over the age of 65 (7.3 million) has been ripped off by scams ranging from telephone fraud, over-hyped annuity returns, reverse mortgages, mail order brides, free lunch seminars and the ever-present Nigerian Letter scam.

One of the many ways you can help protect your older family members is to put their home telephone number and their cell phone number on the National DO NOT CALL List by logging on to: https://www.donotcall.gov/reg-ister/reg.aspx or you can call (888) 382-1222.

Found MoneyEdinburgh One of our members refinanced a loan from FORUM Credit Union. Even when adding GAP protection on their loan, they were able to save $80 each month. They were very happy when they were also approved for a Visa Platinum card. Talk to us today about a Loan Check-Up and let us try to save you money!

Christmas Club NewsFor all members currently anticipating a Christmas Club check, your funds will instead be transferred directly to your regular savings account on October 31 to make your holiday shopping even easier.

Centra can help you achieve all your dreams!We are striving each day to have Centra come to mind first every time you have a financial need. We can be your one-stop financial partner, providing you with the convenience, pricing and local, friendly, personalized service you deserve. Centra has branches nearby, nearly 30,000 free ATMs, a Member Service Call Center dedicated to you, and technology to save you time.

When you need a new car, think of Centra. How about when you want to remodel your home? Or even if you want to move to a different home or refinance the one you have. Checking, mobile deposit, online banking with bill pay. Market-leading savings rates. A great deal on a Visa credit card with low rates and reward points. Think of Centra for all these needs.

Stop in, give us a call, check out our website. For mortgages and home equity loans. Auto and other vehicle loans. Free, High Interest, Rewards, and Student checking. Low-rate credit cards. Free debit cards. Mobile banking and mobile deposit. Business accounts – loans to help your business grow, as well as business deposit accounts. Insurance, mutual funds, stocks and bonds.* Whatever you have in mind to help you achieve your financial goals in life, we have the products and services you need. And whether you prefer to bank by phone, computer, mobile device or face-to-face, we have financial solutions available for you. Visit us online (www.centra.org), call us (800.232.3642), email us (memberservice@centra.org), or come in to talk with our friendly, expert employees. We’re here ready to help!

Doug Harris President*Insurance and investment services provided by Centra Financial Services (CFS), a wholly-owned subsidiary of Centra Credit Union. CFS Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Insurance sold through licensed CUNA Mutual Life Insurance Company Representatives, and in New York, licensed insurance representatives of other companies. Nondeposit investment products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.

The Right Income Plan for Your RetirementFor many Americans, their retirement plan is primarily focused on saving and growing as much income as possible by the time they retire. Retirement can last

30 years or longer. To make sure that you have a comfortable income for the length of your retirement, it is important to build a retirement income plan that will allow you to turn your many years of savings into a reliable and sustainable retirement paycheck.

Today, a good retirement income strategy is more likely to be a quilt made up of different elements that are based on your individual needs, goals, and resources. Let’s look at some of the factors you should take into consideration as you build your retirement income plan:

• Choose the Right Age to Start Taking Your Social Security Income • Diversify Your Taxes• Determine a Realistic Withdrawal Rate• Take Advantage of New Resources

If you have any questions, or would like to hear more about the information presented in this article, please contact any of the Centra Financial Services Advisors listed here.

Patrick Ballard(812) 314-0331pballard@centra.org

*Source: CNNMoney.com from the editors of Money Magazine. Representatives are not a tax advisors or legal experts. For information regarding specific tax situations, please contact a tax professional. For legal advice, consult an attorney.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

FR-1006967.1-0914-1016

The Right Checking Account for YouCentra has just the checking account for you. We offer several great checking account options, so you can choose the one that gives you the benefits that matter most to you.• High Interest Checking: You don’t

have to be a millionaire to earn a great rate of interest on your checking account.

• Rewards Checking: Get rewarded for your day to day transactions, then redeem points for brand-name merchandise, travel, and more.

• Free Checking: If FREE grabs your attention, this simple account could be the one for you.

• Student Checking: Get a smart start on your finances with a checking account just for students, including no Centra ATM fees.

• Opportunity Checking: Rebuild your financial record with the Opportunity Account.

More for FreeEvery one of our accounts comes with these standard free features: online and mobile banking; mobile deposit; online BillPayer; eStatements; email and text alerts and nearly 30,000 surcharge-free ATMs.

Follow the registration steps below.1. Enter up to three phone numbers

and your email address. Click Submit.

2. Check for errors. Click Register.3. Check your email for a message

from Register@donotcall.gov.

Open the email and click on the link within 72 hours to complete your registration.

Kent Weigel(812) 314-0299kweigel@centra.org

Gregory W. Hardin (812) 288-2450, ext. 2806 gharden@centra.org

Shared Branch Closing NotificationIf you use stand-alone shared branch facilities in the Indianapolis area or in Northern Indiana, please note that these branches will be closing soon. Credit union-owned branches that operate as shared branches – such as Centra’s Shadeland, Carmel, Shelbyville and Greensburg branches – will not be impacted. There are more than 200 shared branch outlets in Indiana that will continue to serve credit union members throughout the state, and more than 5,000 branch locations throughout the United States.

Shared branches closing include:56th Street Service Center, IndianapolisPortage Service Center, PortageHickory Service Center, South BendSpeedway Service Center, Speedway East Washington Service Center, Indianapolis Hobart Service Center, Hobart

For a complete directory of shared branches nationwide, visit the Locations & Hours tab at centra.org or call 888-748-3266.

Work With Someone You TrustHelping you plan for life, our experienced professionals listen to your needs and then help you make the right financial decisions for you and your family. We specialize in answering questions about retirement plans, 529 College Savings plans, mutual funds, and other types of investments.

In fact, why not stop in and we’ll provide you with a free savings review. Just call any of our Financial Advisors listed on this page today!

Free Savings Investment Review

Redeem Today

Mortgage…page 1President’s Letter…page 2

Shared Branch Closing…page 2Income Plan for Retirement…page 3Scams Targeting the Elderly…page 3

Centra Foundation – Fall Programs…page 4

Save Money on Your Sprint Wireless Plan…page 4

N E W S F O R C E N T R A M E M B E R S O C T O B E R - D E C E M B E R 2 0 1 4

Where We AreMember Service Centers ColumbusNational Road1430 National RoadPO Box 789Columbus, IN 47202(812) 376-9771(800) 232-3642

Union Street601 Union StreetPO Box 789Columbus, IN 47202 (812) 372-8811

26th Street2020 26th StreetPO Box 789Columbus, IN 47202(812) 378-5962

SR 46 West2165 Jonathan Moore PikePO Box 789Columbus, IN 47202(812) 376-7661Walesboro2010 W. 450 SouthColumbus, IN 47201(812) 342-4403

Edinburgh11700 North U.S. 31PO Box 158Edinburgh, IN 46124(812) 376-9979

South-Central Indiana Greensburg Plaza1803 North Lincoln St. Suite AGreensburg, IN 47240(812) 662-9392

Madison303 Clifty DrivePO Box 1050Madison, IN 47250(812) 273-8844

North Vernon975 Veterans DriveNorth Vernon, IN 47265(812) 346-9596

Seymour520 South Jackson Park Dr.PO Box 363Seymour, IN 47274(812) 523-3230

Shelbyville2450 E. State Road 44Shelbyville, IN 46176(317) 392-2100

Southern Indiana Clarksville WalmartWalmart #14761351 Veterans ParkwayPO Box 2927Clarksville, IN 47129Phone: (812) 284-4180

Jeffersonville2125 Veterans ParkwayJeffersonville, IN 47130(812) 288-2450

New Albany710 Pillsbury LaneNew Albany, IN 47150(812) 944-1325

Scottsburg281 N. GardnerPO Box 400Scottsburg, IN 47170(812) 752-3377

Scottsburg WalmartWalmart #11421618 W. McClainPO Box 354Scottsburg , IN 47170Phone (812) 752-7010

Sellersburg7812 State Road 60Sellersburg, IN 47172(812) 280-2820

IndianapolisCarmel11711 N. Pennsylvania, Suite 101Carmel, IN 46032(317) 843-5380(800) 421-4111

Shadeland4562 N. Shadeland Ave.Indianapolis, IN 46226(317) 541-1960

Outside IndianaJamestown, NY4720 Baker StreetPO Box 26 Lakewood, NY 14750 (716) 763-4405

Whitakers, NC9377 N. U.S. 301 PO Box 100Whitakers, NC 27891(252) 437-9214

Administrative CentersColumbus Corporate Offices3801 Tupelo Drive PO Box 789 Columbus, IN 47202

Mortgage Center70 Carr Hill RoadPO Box 789Columbus, IN 47202

JeffersonvilleSouthern Indiana Administrative Center1990 Charlestown New Albany Pike Jeffersonville, IN 47130

Shared Branch and ATM Locations For a list of nationwide shared branches and ATM locations, visit www.centra.org.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

Holiday ClosingsNovember 11 – Veterans’ Day November 27 – Thanksgiving December 24 – Close at Noon December 25 – Christmas December 31 – Close at Noon January 1, 2015 – New Year’s Day

New, Improved Website Coming Soon! Look for exciting Centra website changes coming soon in November! We’re anxious to roll out the improvements we’ve been working on for several months. One major improvement will be that the new site featurse responsive design, which allows the website to appear similarly on a wide variety of devices including desktop computers, laptops, tablets, smart phones and other mobile devices. The new centra.org will include a robust search feature so you can more easily find the topics and services you’re looking for. It will have a simpler, cleaner

appearance, with quicker access to important content, and include enhanced capability for displaying video. Watch for more info about our newly designed website on our current site and in email.

In this issue:

Centra Foundation – Fall ProgramsThe last few months of the year are a busy time for the Centra Foundation! We are working with local schools and teachers to offer the opportunity to participate in financial literacy programs. Understanding the value of money and developing money management skills are vital for children and adults. Our goal is to reach 2,000 students during the school year.

The Foundation provides two programs! Saving with Mandy and Randy for second grade students and Making the Right Money Moves, designed for high school students. Teachers and students enjoy the interactive learning opportunities. Scott Seavers, Personal Finance teacher at Columbus North, said about the Making the Right Moves program, “I like the program for several reasons, most of all because it is information that pertains to “real life” and teaches concepts that all of us will use at some point in our lives. I also like the fact that we look at credit applications from the viewpoint of the lender. This helps us understand what is important to help maintain and build our credit scores.” 

Marah Bieger benefited from the program and told us, “I truly feel taking Personal Finance and using the Making the Right Money Moves program in class helped me prepare for and understand topics about personal finance that I will be using in the future. I know I will be a step ahead when the time comes for me to put my new skills to use!”

We are also making plans for the Holiday Program. Please mark your calendars for Monday, November 24th. We will again be accepting donations at Centra branches to make sure less fortunate children in each of our communities have winter clothes and toys. Last year, thanks to the generosity of Centra members, more than 170 children had gifts to open in December! Donations ranged from $.12 to $500. Non-profit groups struggle each year to raise the funds needed help vulnerable children and really appreciate the Holiday Program. When Centra members work together, we make a difference!

Learn more about the Centra Foundation and how you can help make a difference at www.centrafoundation.org.

Save money on your Sprint wireless plan! As a Centra member, there’s never been a better time to save money on your wireless service. Sprint has phones, PDAs, push to talk, data service plans, music downloads, TV and more! Plus, with Sprint’s New Satisfaction Guaranteed Policy, you get a chance to open a new line of service and try Sprint for 30 days! Visit www.lovemycreditunion.org for details.

Your Holiday Shopping Just Got Better!It’s easy to Sign & Win! • Use your Centra MasterCard® Debit Card or Centra Visa® Credit Card for ALL your shopping. • Sign for your purchase (don’t use your PIN). • You’re automatically entered to win the amount of your purchase

(up to $100). Payout minimum is $25. • One winner will be selected each day. • PLUS – earn double reward points for all purchases! • November 1 – December 31, 2014

Don’t have a Centra MasterCard Debit or Visa Credit Card? Now is the time to get one! Stop by any Centra location or apply online. Need to activate your card? Just call 800-232-3642.

The Perfect Home, the Perfect Loan!Today is the best time to check out some of the lowest rates on the market with Centra Credit Union’s home loans. Now, you can afford to make the offer on the home you’ve been dreaming about. Or refinance your current home loan. Or even take on that remodeling project you’ve been wanting to do. You’ll find a variety of options to choose from at Centra Credit Union. You’ll find our rates extremely competitive when compared to other financial institutions. And, we service all of our Mortgage Loans right here at Centra.

Let us help find just the right home loan for YOU!

Fixed Rate Mortgages: Inquire about the advantages of fixed loan rates with predictable payment schedules. Centra offers low rates and a range of options for you.

Home Equity Loans: Use the difference between how much your home is worth and how much you currently owe on the mortgage to your advantage. Home equity loans are ideal for an addition to your home, your child’s college tuition or an unexpected major expense.

Second Mortgages: Little or no equity available in your home? A second mortgage loan from Centra can help you achieve your goals.

Adjustable Rate Mortgages: An adjustable rate mortgage, or an “ARM” as it is commonly called, usually offers a lower interest rate than long-term fixed-rate loans. This can translate to a lower monthly house payment or might qualify you for a larger loan amount.

Construction Loans: For your building project, utilize a Centra construction loan. With this type of loan, the contractor and the lender establish a draw schedule based on stages of construction, and interest is charged on the amount of money disbursed to date.

And with Centra’s Online Mortgage Center, applying for a loan has never been easier.

Check us out online at centra.org, stop in the nearest Centra location, or call us at 800-232-3642.