BRANCH LOCATIONSAlexandria, VA

Main4875 Eisenhower AvenueM-Th: 8:30am-5:30pmF: 8:30am-6:30pmSat: 9am-2pm

Humphreys Engineer Ctr.(Employee access only)7701 Telegraph RoadM-F: 8:30am-4pm

T.C. Williams High School(Restricted access)3330 King StreetM-F: 11am-3pm

Harrisonburg, VA

Regional Office42 Terri DriveM-Th: 9am-5pmF: 9am-6pmSat: 9am-1pmDrive-up:M-F: 8am-6pmSat: 9am-1pm

James Madison UniversityMadison UnionM-Th: 9am-5pmF: 9am-5:30pm

ATMs at all locations.

Washington, D.C.

GAO Bldg., 3rd Floor(Employee access only)441 G. Street NWM-F: 8:30am-12:30pm

Providence Hospital1150 Varnum Street, NEM-F: 8:30am-4pm Closed 1pm-2pm

Washington Post Annex One Franklin Square*(Employee access only)1301 K Street NWTh: 1-3:30pm Biweekly*Network ATMs Available

ONESource October 2016

Swing for the fences with our Team Up and Win promotion! It’s easy, offers faster payouts, and everyone can participate in some way – even teens and kids. With an opportunity to earn up to $75* in cash rewards or more now through October 31, everyone can be a winner!

Become a New Member

Every new member receives $25 when they open a savings and checking account and use our Mobile App.*

Already a Member? Refer Others!

For every member you refer through our New Member Referral Perks Program, you can both earn $25 when the new member opens a savings and checking account and uses our Mobile App.*

FINANCIAL INFORMATIONAugust 31, 2016

Members 33,132 Shares $286,555,198Loans $224,585,609Assets $323,896,326 Complete financial statements are available at branches.

P.O. Box 9997 • Alexandria, VA 22304Routing Number: 256078365(703) 823-5211 • (800) 424-3334

(703) 823-3510 • (800) 424-2328

Credit Card: (800) 449-7728Debit Card: (800) 472-3272

(888) SITE-CO-OP • co-opsharedbranch.org

allpointnetwork.com

Federally Insured by NCUA

MEMBER APPRECIATION DAYThursday, October 20 – International Credit Union Day

It’s going to be a colorful celebration at our next Member Appreciation Day on Thursday, October 20! Please join us to enjoy refreshments and a beautiful display of artwork submitted by young CommonWealth One members for our International Credit Union Day Art & Coloring Contest.

HO, HO, HO!Santa Claus Is Coming to Town

We know our members are always on the “Nice” list, so CommonWealth One will have a very special guest during the holiday season! Bring your family to the following branches for a visit and a free photo with Santa:

• December 3 – Harrisonburg, 9am-12pm• December 10 – Alexandria, 9am-12pm

We hope you’ll join us for the fun!

CommonWealth OneFederal Credit UnionMONTHLY EVENTS

Join Us!

Oct. 5 – Paying for College Financing Webinar, 12:30-1:30pm

Oct. 26 – Tips for Retirement Webinar, 12:30-1:30pm

Nov. 9 – Budgeting with a Holiday Twist Webinar, 12:30-1:30pm

Dec. 3 – Santa Claus is coming to Harrisonburg! Take your photo with Santa.

Dec. 7 – Budgeting with a Holiday Twist for the New Year Webinar, 12:30-1:30pm

Dec. 10 – Santa Claus is coming to Alexandria! Take your photo with Santa.

BOARD NOMINATIONSDue November 6

The 2016 elections will fill three expiring positions on the board of directors. You can nominate a member (or yourself) to run for one of these positions by sending the individual’s name and resume to:

CommonWealth One Federal Credit UnionATTN: Nominating CommitteePO Box 9997Alexandria, VA 22304

TEAM UPAND WIN

You Can Hit a Home Run with the CommonWealth One Loan Sweepstakes!

Get a new loan, refinance a loan, or use Bill Pay with our Mobile App or online banking, and you’ll be entered into our sweepstakes! One lucky winner will receive a $1,000 cash prize, and three runners-up will receive a $500 cash prize each.*

Use Bill Pay

Sign up for Bill Pay and receive an additional $25 cash deposit after October 31, 2016.* Already use Bill Pay? Use it during our promotion and you’ll automatically be entered into our “Hit a Home Run with CommonWealth One Sweepstakes!”*

Hurry – you only have until October 31! Visit www.TeamUpandWin.org for details and to refer new members to join our Team.

*Visit www.TeamUpandWin.org for full details.

HURRY – IT ENDS THIS MONTH!

OVERDRAFT ONERe-Enrollment Required for All Members

If you currently use or want to take advantage of Overdraft One to protect your Visa check card and ATM transactions from overdrafts, please sign and return the enclosed form. A notary is not required. You may also download the form at cofcu.org. Mail or bring your signed form to any branch or fax it to (703) 650-4003. Thank you!

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COMMONWEALTH ONE The only ONE with 1% APR* on Auto Loans!*

ONE percent could get you into your ONE dream car. As a member, you get more with our Online Auto Buying Service Powered by TrueCar® now through November 15. You could get rates as low as 1% APR* for new and used cars, financing up to 125% and flexible loan terms.

Find Your New Car TodayVisit cofcu.org/truecar to research new and used vehicles, see what others paid for the new car you want, or see used car market values powered by ClearBook®.

The Only ONE with %APR*

Special Offer Ends Nov 15

cofcu.org/truecar

*APR=Annual Percentage Rate. Rates effective 9/15/2016 subject to change. Other financial institution rates as of September 6, 2016; rates may vary. To get the TrueCar® special interest rate, you must obtain a new car Guaranteed Savings or used car Price Protection Certificate through our Auto Buying Service and be referred to a TrueCar® participating auto dealer. The new car Guaranteed Savings or used car Price Protection Certificate must be provided to CommonWealth One during the financing process. You must purchase the vehicle printed on your new car Guaranteed Savings or used vehicle Price Protection Certificate with a loan from CommonWealth One. Vehicles purchased at the dealer without a Price Certificate are not eligible for the TrueCar® special financing rate. Equal Opportunity Lender. Federally Insured by NCUA.

Online Auto Buying Service Powered by TrueCar®

New & Used Cars Up to 36 months

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1. Visit cofcu.org/truecar and click the Auto Buying Service link.

2. Locate your dealer and print your Price Protection Certificate.

3. Get your loan pre-approved from CommonWealth One before you visit the dealership.

4. Bring your Price Certificate and loan pre-approval with you to the dealership.

home equity loan options to fit your needs – even a Zero Equity Loan that allows you to borrow when you have little to no equity at all!

Stop by or call us to discuss the best fit for you, and make the holidays happier today.

*Check with your tax advisor for tax deductibility. APR=Annual Percentage Rate. EquityLine 2.49% APR introductory rate is valid for 6 months. After 6 months, you will be charged your current rate. This offer available for a limited time. EquityLine has an interest only payment option available.

INTERNATIONAL CREDIT UNION DAY ART & COLORING CONTEST, K-12 Enter by October 15!

Attention artists! Show us your skills! Enter our International Credit Union Day Art & Coloring Contest, which celebrates this year’s theme, “The Authentic Difference.” You’ll get a gift for submitting your artwork plus a chance to win cash:

• One $50 grand prize• Two $25 runners-up prizes

The artwork and coloring forms are available for download at our website at www.cofcu.org. Submissions are due at your nearest branch by October 15. We look forward to seeing your creativity!

*Contest is open to all students in K-12. Winning art will be featured in the lobby at the Main Branch in Alexandria or the Harrisonburg Regional branch. Winners will be notified via email on Oct. 17, 2016.

WARM HEARTS COAT DRIVEDonate by November 30

We are collecting new and gently used, clean coats of any size. Please bring your donations to any of our branches by November 30 to benefit local charities in Alexandria and Harrisonburg, VA, and Washington, D.C. Your generosity and compassion will keep others warm this winter. Thanks for your support!

BILL PAY IS FREEPlus, You Could Get $25 Cash

Make life easier by giving yourself the gift of time this busy holiday season – pay your bills easily and conveniently through Bill Pay in online banking!

• Pay anyone, anytime, anywhere – in online banking and our Mobile App

• Transfer money for FREE between your accounts at other banks and credit unions

• Schedule one-time and recurring payments in advance

• Track recent payments and view up to 24 months of history

• Access Popmoney® to send, receive and request money from anyone with a phone number or email address

• Be assured that your payments will arrive on time – we guarantee it!

Sign up for Bill Pay before October 31, 2016, and receive an additional $25 cash deposit through our Team Up and Win promotion!

*You must be signed up for online banking to use Bill Pay and you also must have a checking account to use bill pay, Popmoney and external account transfers.

THERE’S NO PLACE LIKE HOME EQUITYFinish Your Holiday Projects Today

Cook the Thanksgiving turkey in your new kitchen; make room for holiday guests with a finished basement or extra bathroom; and, get that new roof all before Santa and his reindeer make their landing. Whatever your holiday plans, you can use your home’s equity to turn those dreams into reality. Our Home Equity Line of Credit comes with:

• Introductory variable rate as low as 2.49% APR* for six months

• Borrow up to 90% loan-to-value of your home• Line of credit up to $250,000• Interest only or interest plus principal

payment options• Access using EquityLine checks or transfer

funds to your checking account• Tax-deductible interest*

A home equity loan can be used for countless purposes beyond remodeling. We also offer

217 million. That’s the current number of credit union members around the world.

If all 217 million were to form a new country, it would be the 5th largest country in the world, behind only China, India, USA, and Indonesia!

Clearly, those numbers show that credit union members know something others don’t. And it’s likely traced to “the Authentic Difference” – a set of principles that demonstrate why credit unions enjoy such worldwide popularity.

The Authentic Difference – the theme of this year’s International Credit Union Day – includes the core principles of:

Not-for-profit. We exist only to serve our members, not to make a profit, unlike other financial institutions.

Taxation. We are exempt from federal income taxes because we are member owned, democratically operated, and not-for-profit.

Ownership. Each member is an owner and enjoys one vote, regardless of amount on deposit.

Volunteer Boards. We are governed by a volunteer board of directors, elected by you, our members.

Membership Eligibility. Credit union membership is available through your employer, organization (church or social group) or the community in which you live.

Financial Education for Members. One of our major goals is to help you become financially savvy consumers.

People Helping People. We exist to help people, not make a profit – to serve every member well, including those of modest means. We emphasize community outreach, because we are only as strong as the communities we serve.

Service to members. Democratic control. Social responsibility. These are the core principles that separate CommonWealth One from other types of financial institutions. They are the reason for our sustained growth, our increasing strength, our progressive vision, and our service to you for years to come.

PRESIDENT’S REPORT

Charlotte Cash,President/CEO

Special Introductory

Rates as Low as

2.49%for six months!

APR*

Auto Loan Rates up to 36 Months with Payment Samples & Savings

TrueCarSpecial* Financing

Offer as low as

Sample Payment

with $20,000 Loan

Total Interest

Paid over the Life of the Loan

CommonWealth One

1.00% APR* $564 $307

PenFed CU 1.49% APR* $568 $463

Navy Federal 1.79% APR* $571 $557

Bank of America 2.44% APR* $577 $761

Wells Fargo 3.07% APR* $582 $961

sparklePut a little extra

in your holidays!Skip a loan payment this holiday season.

Visit cofcu.org/skip for details and to submit your request.

Visit cofcu.org/truecar to find your new

car today!

MOBILE APPCheck Out the Latest

We’ve made several enhancements to our Mobile App this past year. You can:

• View your balance without logging in with Instant Balance

• Change your user ID and log in as a different user

• Use the Mobile App without registering in online banking

• FREE Popmoney® — members can request and receive money in the app free of charge

*APR=Annual Percentage Rate. Rates effective 9/15/2016 and subject to change. To get the TrueCar special interest rate, you must obtain a new car Guaranteed Savings or used car Price Protection Certificate through our Auto Buying Service and be referred to a TrueCar participating auto dealer. The new car Guaranteed Savings or used car Price Protection Certificate must be provided to CommonWealth One during the financing process. You must purchase the vehicle printed on your new car Guaranteed Savings or used vehicle Price Protection Certificate with a loan from CommonWealth One. Vehicles purchased at the dealer without a Price Certificate are not eligible for the TrueCar special financing rate. Competitors rates as of September 14, 2016. Equal Opportunity Lender. Federally Insured by NCUA.

GO GREEN!

Sign up for E-Statements Today in Online Banking.

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