Meet the Board of Directors and staff who serve you at Central Macomb Community Credit Union.

Board of Director Candidates up for re-election: James Ellis, Clifford Brown, Jeffrey Bruss

Supervisory Committee Candidate up for re-election:

None

The Nominating Committee is:Christina Nuttall, Ed Cotter and Raymond White, Jr.

April 16, 2015 @ 3 p.m.Concorde INN

ELECTION NOTICE

If you are looking for additional funds to cover college costs, check out the Smart Option Student Loan by Sallie Mae®. You can choose from variable or fixed rates. Lower your payment by .025% by enrolling in scheduled monthly payments through automatic debit. All the details can be found at: https://www.cmccu.com/lending/student-loans.

We heard you. Members wanted a better statement and we responded. Beginning with February’s statement and eStatements, you should have noticed the layout is cleaner and the balance in your account is more readable.

W h d M b t d b tt t t t d d d

Easy-to-read statements are here!

Sample of Statement (below)

*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. NEW MONEY ONLY, CURRENT CMCCU LOANS ARE NOT ELIGIBLE. Payment example: A fully protected loan of $15,000.00 at 4.25% for 36 months would have a payment of $445.25. Members must take credit life and credit disability or have a checking account with direct deposit to qualify for promotional rate, which is subject to change at any time without notice. Member must have 6 months of current position employment. Equal Opportunity Lender.

SSAVEAVE TOTO W WININ W WINNERSINNERS!Congratulations to the recent

winners of $50 each:

*Winners are notified by branch staff before this announcement.

HOW WILL HOW WILL YOUYOU PAY FOR COLLEGE? PAY FOR COLLEGE?Deborah M.Gayle L.Stacey H.Susan S.Yvonne E.

Audrey N.Donald K.Gloria S.Steward S.Thomas B.

No Credit, No Worries, No co-signer needed!

Central Macomb is pleased to introduce our First-time Auto Buyers Loan. Let us get you into a ‘new’ car (up to $15,000) for as low as APR*. No co-signer needed! Just show us that you have 6 months of employment in your current position. See our website for full details www.cmccu.com/lending/first-time-auto-buyers or call us at 586-466-7800 opt. 3.

4.25%

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%

ARE y or

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%

January Winners

HOME AWAY ALL DATES AND TIMES ARE SUBJECT TO CHANGE.

April 20-23Join us at one of our branch locations and enter to win a pair of Tigers tickets!

June 13 and 1513: Kids Day- FREE tattoo and snack15: Announce MVP contest winner

May 8 and 208: FREE popcorn at all branches20: FREE giveaway

Who’s your Most Valuable Person (MVP)? Show them how much they mean to you by entering our MVP Contest. Submit a short video (up to 30 seconds)

telling us about your MVP and YOU could WIN a 4-pack of Tigers Tickets! For rules and how to enter, visit www.cmccu.com/member-resources/contests.

4-Pack of Tigers TicketsEnter to win a...

aluable Person (MVP)? Show them

Opening Day Celebration- April 6th • Join us at any of our branch locations for hot dog, drink and free prize!

• Refer a friend to open a checking and savings account and YOU get $25 for the referral. • All NEW savings accounts are on us- we will make a $10 deposit.

From mortgages to HELOCs, we have the financing solution for you! Visit us today and learn about

our great rates and friendly service. or call 586-466-7800 opt. 2.

From mortgages to HELOCs, we have the finsolution for you! Visit us today and learn a

our great rates and friendly service. o586-466-7800

Give yourself a break and... • Take a vacation • Make home improvements • Imrove your landscaping • Pay down your debt

Hit a grand slam with our low-rate auto loans. See our website for more details.

PO Box 2800Mt. Clemens, MI 48046

www.cmccu.com 586-466-7800

It’s all about you!CHESTERFIELD

47011 Sugarbush (East of I-94)Lobby/Drive Thru:

Mon.-Th. 9 AM to 5 PMFri. 9 AM to 6 PMSat. 9 AM to 1 PM

CLINTON TOWNSHIP37570 Gratiot (North of 16 Mile)Lobby: Mon.-Th. 9 AM to 5 PM

Fri. 9 AM to 6 PMDrive Thru: Mon.-Th. open until 6 PM

Fri. 9 AM to 7 PMLobby-Drive Thru: Sat. 9 AM to 1 PM

STERLING HEIGHTS34642 Van Dyke (South of 15 Mile)

Lobby/Drive Thru:Mon.-Th. 9 AM to 5 PM

Fri. 9 AM to 6 PMSat. 9 AM to 1 PM

SELFRIDGE ANGBBuilding 715 (base access req’d.)

Lobby: Mon. Closed

Tues.-Fri. 9 AM to 5 PM(closed from 12:30-1:30 PM daily)

Sat. Closed

*APR=Annual Percentage Rate. 9.99% corresponds to a Monthly Periodic Rate, which equates to a daily rate of 0.027370. Payment example: for a Military Line of Credit of $1,000 at 9.99% APR, the minimum payment would be $48.67. The minimum payment will be 5% of the outstanding balance or $1.00, whichever is greater. A discount of .25% can be taken if member elects CL/CD or has a checking account with direct deposit.

If you are in the military and have limited to no credit, we’ve got the answer for you: MiLOC. Open a line of credit at APR*, lower than many credit cards, and have the funds available when you need them. This revolving line of credit doesn’t expire, so apply once and you’re done.

9.99% Pets for Vets, a 501(c)(3) organization, is dedicated to providing a second chance for shelter pets by rescuing, training and pairing them with America's veterans who could benefit from having a companion animal. There is no cost to the veteran. However, it takes about $1500 to rescue the pet, provide vaccinations, train it and provide the initial supplies to the veteran to care for the animal.

Central Macomb has partnered to support their efforts over the last 1-1/2 years. You can help by attending the golf outing on May 17th.

Pets for Vets UpdatePets for Vets Pets for Vets UpdateUpdate

Close the GAP with our special insurance coverageIf your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, auto insurance will cover the replacement value. However, you remain liable for payment of the difference between the insurance settlement and the remaining loan balance. This deficiency can sometimes amount to thousands of dollars.

GAP to the rescue! Guaranteed Asset Protection (GAP) is an affordable way to fill the gap. For just a few dollars per month, you can protect yourself against this kind of unexpected expense. Ask about this protection today. Call 586-466-7800 opt. 3 or visit a branch office.

Bill Pay is the one-stop shop!Stop juggling your due dates on your credit cards or utility bills by setting up your payees on bill pay and scheduling them. From your Virtual Branch, click on the Bill Pay tab, then set up your payees and schedule your payments. So as you receive a bill in the mail, go into Bill Pay and schedule it for the due date. Scheduled payments will show up on the right-hand column. All you have to do is make sure the funds are in your account to cover them.

Sponsoring Channel 99.5 Selfridge Homecoming.

Ranald L. won $100 for enrolling in our Go Green, Earn Green eStatements.You could win, too. Enter by April 30.

CMCCU IN THE COMMUNITY $100 Winner!