memberCONNECTIONS

Rainy Day Savings

Opening a Rainy Day Savings account at the Credit Union is the perfect way to make the most out of your tax refund. Maximize your savings with an interest rate that doubles after 12 consecutive months of depositing between $25 and $500. To open a Rainy Day Savings account visit our Web site, stop at a Service Center or give us a call.

Transfer your existing auto loan to the Credit Union and you may be able to reduce the APR on your loan! That means a lower monthly payment and more money in your pocket. You could save hundreds over the life of your loan.

SHIFT YOUR APR* INTO REVERSE

Our rates for refinancing start as low as 2.99% APR* for well-qualified borrowers. If you’re looking to purchase a new vehicle, rates start even lower – as low as 1.99% APR.* Contact the Credit Union for details – we’ve helped thousands of members save!

Limited-Time OfferMention this article and receive $100 when you transfer your auto loan to the Credit Union!**

* APR = Annual Percentage Rate. APR accurate as of 3/1/11 and subject to change. The rate shown is the lowest available and your rate may be higher. The rate listed includes a 0.25% discount for selecting an automated payment method, and an additional 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Refinance rates shown are available on 2001 and newer model years for a 0-60 month term, up to 100% LTV (loan to value). New rates shown apply to 2010 and 2011 model year previously untitled vehicles up to 100% LTV, 0-60 month term.

** An auto loan must be transferred to the Credit Union from another financial institution to qualify. A minimum loan amount of $5,000 is required. $100 will be deposited to your checking or savings account after the loan is booked at the Credit Union.

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Dear Members,

PRESIDENT’S MESSAGE

Mike ValentinePresident/CEO

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At your Credit Union, we believe that a successful financial relationship begins with a commitment. And that commitment starts with always putting our members first in everything we do.

As a result, we introduced the “We’ve Got Your Back” brand initiative in mid 2010. To some it is simply a slogan, but for the Credit Union, it is ingrained in our culture and reinforces that attitude of putting each member first in everything we do.

To that end, we have focused on the expansion of delivery options and convenience, things our members have told us are important. Recent enhancements include:

• The introduction of Deposit Anywhere, a remote deposit service available from a desktop computer and home scanner or smartphone.

• The launch of our mobile phone application for iPhone™ and Android™ users.

• The introduction of an electronic signature option for loans closed electronically.

• The introduction of Web chat functionality for members who apply for a loan online.

• An Online Banking enhancement that allows members to see their loan, deposit and investment balances and information on a single screen.

And there is no stopping us now. Looking ahead, we are excited to introduce 360 Banking, our newest effort to provide access to your Credit Union through any of the multiple access channels that you prefer using. You will be hearing more about 360 Banking and the additional enhancements we have planned for mobile access – so stay tuned. Because unlike many other financial institutions, at your Credit Union, “We’ve Got Your Back.”

Kind Regards,

Mike ValentinePresident/CEO

Good News for Homebuyers

2011 IS STILL A GOOD TIME TO BUY

Last year was a great time to buy a house – interest rates neared all-time lows and home prices just about everywhere had fallen from previous highs. These factors meant there were many great deals available in the real estate market. Have you been kicking yourself for missing the opportunity? Not to worry! 2011 is still a great time to buy a home.

Market Favors BuyersMortgage interest rates are predicted to remain low through 2011. And prices aren’t expected to budge much at all – economists are estimating home prices will rise by only 0.8% through the end of 2011.* Plus, there’s still a large inventory of homes to choose from. A 2011 homebuyer will enjoy low interest rates and prices plus a big variety of homes to choose from, just like 2010 buyers.

If you’re considering buying a home, visit the Credit Union, call or visit our Web site. Our friendly mortgage professionals can help you get pre-approved and decide how much home you can afford. We have a variety of mortgages to fit any need.

* Source: The Wall Street Journal, Sept. 24, 2010.

iPhone™ is a registered trademark of Apple Inc.Android™ is a registered trademark of Google Inc. Use of this trademark is subject to Google Permissions.

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MORTGAGE REFINANCING FOR SHORTER TERMSA special refinancing offer for members who have 10 years or less remaining on their mortgage.

Over the last year, mortgage rates have reached unprecedented lows. These rates have helped many people improve their financial situations by refinancing at a lower rate. Those with shorter remaining loan terms may have opted not to refinance however, due to the costs associated with refinancing. That’s where we can help.

For a limited time, the Credit Union is offering a special rate of 4.25% APR* for refinanced first mortgages, with no application fee, no origination

fee, and no closing costs. If your current loan meets the following criteria, contact us today.

• $25,000 minimum loan size

• $250,000 maximum remaining balance

• Remaining balance does not exceed 70% of home’s value

• Single family, owner occupied property

• Established strong payment history and excellent credit

* APR = Annual Percentage Rate. Limited-time offer. A 10-year loan for $225,000 with a 4.25% interest rate would require monthly payments of $2,304.84 each. Other rates and terms are available. The interest rate will not change for the term of the loan. The payments used in this example do not include required taxes and insurance premiums. The terms used in this example are for illustrative purposes only and the actual terms you receive may be different depending on your individual circumstances.

Spotlight on … Baseball

Major League Baseball (MLB) began its 110th season on March 31, 2011. Here are a few interesting facts to get the season started.

Barry Bonds holds the record for career homeruns in MLB. When he retired in 2007, he had hit 762 homeruns over 21 years in the major leagues.

Only 20 players have pitched perfect games (where no opposing player reaches base safely) in MLB history. Philadelphia Phillies pitcher Roy Halladay achieved the distinction most recently, on May 29, 2010, against the Florida Marlins.

Fenway Park, home of the Boston Red Sox since 1912, is the oldest major league ballpark in use. Today the park looks much as it did when it opened.

Babe Ruth still holds three of baseball’s longest-standing single-season records – extra-base hits (119), total bases (457) and runs (177) – all of which he achieved in 1921.

The seventh-inning stretch is rumored to have started in 1910 when then-President William Howard Taft attended a game between the Washington Senators and Philadelphia Athletics. When the President stood up in the seventh inning to stretch his legs, spectators thought he was departing the ballpark and rose to show their respect.

Jackie Robinson was the first African-American player in Major League Baseball when he entered the league in 1947.

TO LEARN MORE, CALL OUR CONSUMER LOANS DEPARTMENT OR CONTACT YOUR LOCAL SERVICE CENTER MANAGER. YOU CAN ALSO APPLY ONLINE AT WWW.BCU.ORG/REFIEXPRESS.ASPX. FROM THE LOAN TYPE DROP-DOWN MENU, SELECT “REFI EXPRESS.”

MOBILE SAFETY TIPS

The Credit Union will never call, text or email you requesting your personal financial information. Don’t respond to a text that asks for your login, password, account number, Social Security number, etc.

Make your mobile device extra secure through password protection. That way, even if your phone is lost or stolen, thieves can’t access any of the personal information you stored on your phone.

Consider remote-wipe technology for smart phones. You will likely have to pay a fee for this service, but if your phone is lost or stolen, you can wipe out all of the information on your phone remotely.

Don’t send or store private financial information in emails that could put you at risk. Email accounts can be accessed by thieves online and they can learn a lot about you by reading through your emails.

People store an abundance of personal information on their phones these days. Protect yourself by following these tips.

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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. Images may be from one or more of these sources: ©Thinkstock, ©iStock, ©Fotolia. ©2011 BCU.

Why consider a conversation with one of our Financial Advisors?

• Our level of personalized service rivals any investment firm.

• We recommend realistic and relevant solutions to meet your financial objectives.

• Our Financial Advisors are experienced with an average tenure of 20 years.

Whether you’re saving or planning for retirement, your children’s education or building a legacy for your family, a Financial Advisor will work with you to develop strategies that can help you realize your most important goals.

For information about our services and investment products, or to schedule a no-obligation financial consultation, call 800-388-7000, ext. 8700. We look forward to serving you.

* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the Credit Union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. BCU has contracted with CFS to make non-deposit investment products and services available to Credit Union members. BCU Investment Advisors is a trade name for the investment services available at BCU.

MEET YOUR GOALS WITH BCU INVESTMENT ADVISORS

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4. Try Mobile Banking TodayWe take your security seriously. Both our online banking and mobile banking services encrypt any information that is exchanged between you and the Credit Union. You can be confident that your information is safe with us. For more information or to sign up for online or mobile banking today, visit our Web site.