5-month CD or Money Market

5.00APY*%

One day only, $2,500 maximium

DividendS E P T E M B E R 2 0 1 9

The

Member banking is better banking®

*Annual Percentage Rate (APR) accurate as of 8/8/2019, applies to minimum line amount of $5,000, is subject to change without notice, and applies to a loan-to-value (LTV) ratio of 80% for primary residence. Rates vary depending upon amount financed, credit score, lien position, and collateral. Minimum APR is 4.49% (prime rate minus 0.51% minus an additional 0.25% for automatic payment from checking account), maximum APR is 18%. Introductory rate will be in effect for six (6) billing cycles from credit line open date. After the introductory discount period expires, the variable APR is effective for the life of the line. Rates reflect a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, APR is 0.25% higher. Property and/or flood insurance is required. APR is variable based on the highest Prime Rate published in The Wall Street Journal and is adjusted on a monthly basis. As of 8/1/2019 the Prime Rate was 5.25%. All loans/ lines of credit are subject to approval and collateral evaluation. Fees and charges may apply. Additional restrictions, limitations, and exclusions may apply. You may elect to “lock in” or convert a portion of your variable-rate outstanding balance to a fixed APR over a set term. You may select the term of your lock feature from terms provided to you at the time you exercise this option. Offered rate will be based upon borrower’s creditworthiness and term selected. The minimum amount that may be locked in is $5,000. The minimum term of the lock feature is five (5) years and the maximum term of the lock feature is 20 years. Please call TruMark Financial at 1-877-TRUMARK for further details. **Processing fee only waived on HELoC Select applications received 8/1/19 - 9/30/19. All other fees apply. NMLS 404938

*Business accounts not eligible.

Apply todayVisit trumarkonline.org/heloc, a branch near you, or call 1-877-TRUMARK

Enjoy all that a TruMark Financial debit card offers todayVisit trumarkonline.org, or a branch near you

• No inactivity fee or annual fee

• Visa® Equity Access Card for fast access to funds

• 20 free checks with the ability to order more

• Interest paid may be tax deductible (consult your tax advisor)

• Earn CURewards® points for purchases. Points can be redeemed for cash, gift cards, merchandise, and more*

• Lock/unlock a lost or stolen card anytime/anywhere to keep funds safe

• Customize your card with a photo of loved ones, a vacation, and more

• Access funds while on-the-go

Enjoy the convenience of paying directly from your account, with all the security Visa provides, when using a TruMark Financial Visa debit card. With EMV chip protection and access to thousands of ATMs, have secure and quick access whenever you need it. Make purchases in stores, online, or by phone. Plus, enjoy the ability to:

A debit card as UNIQUE as you

Learn moreTo sponsor a Kiss-A-Pig participant, visit trumarkonline.org/KAP

TruMark Financial’s Kiss-A-Pig financial literacy fundraiser has donated more than $300,000 to area schools to date. This year’s event is Wednesday, Oct. 2, 2019, at the Abington Art Center in Jenkintown, Pa. Educators, community and business leaders, and credit union employees will gather to raise funds to help local schools teach students how to manage money in exchange for a smooch with a pot-bellied pig.

HELPING raise funds for financial literacy

Join us for a SPECIAL event

You’ve worked hard to own your home. Now, let it work hard for you. A HELoC Select from TruMark Financial can serve as a ready source of funds for planned or unexpected expenses. Use it to pay for renovations or tuition, consolidate higher interest rate debt, or finance just about anything else on your priority list. TruMark Financial’s HELoC Select also allows you to choose when you want to borrow and how to pay it back. It starts as a line of credit and then allows you to switch all or part of the balance to a fixed rate at any time, giving you a manageable payment. Discover the financing benefits of a HELoC Select:

Save the date for the grand opening celebration of TruMark Financial’snewest branch located in Malvern.

Place: 595 North Morehall Road Malvern, PA 19355

Date: Saturday, Sept. 28, 2019

Time: 9 a.m. – 1 p.m.

Processing fee waived!

Limited time offer**

*Annual Percentage Yield (APY) is valid 9/28/19 at the Malvern branch only. New money only. CD/Money market minimum balance is $500. CD/Money Market maximum balance is $2,500. IRA option not available on the CD. Upon maturity, CD special will automatically be converted to a 6-month CD at the prevailing rate for that product, excluding promotional specials, unless funds are withdrawn within five (5) days of maturity. Penalty for early withdrawal. Money market rate is compounded daily and posted monthly. Interest paid only if minimum daily balance is met. Upon maturity, money market special will automatically be converted to money market maximizer at the prevailing rate and require a $2,500 minimum daily balance to avoid a $10 monthly service fee. Fees may reduce earnings on account. Business accounts not eligible. A membership account is opened under an individual’s Social Security number who is listed as a primary member. The primary member is only eligible for one (1) promotional CD or money market (not both). Promotional rate guaranteed for five months from open date. **No purchase necessary. Must be at least 18 years of age with valid identification to win Ring Camera. Must be present to win. Drawings will be at 10 a.m., 11 a.m., and noon. Ring is not a participant or sponsor of this promotion.

Introductory rate

2.49APR*%

for six months

Rates as low as

4.49APR*%

thereafter

Stop by for refreshments, one-day product specials, giveaways, and more.

Be entered to win one of six Ring Cameras**

BETTER rate, BETTER flexibility

Learn moreVisit trumarkonline.org/directdeposit

TruMark Financial will be closed Sunday, Oct. 13, and Monday, Oct. 14, 2019 in observance of Columbus Day.

Always open: trumarkonline.org

Access your account 24/7 via online and mobile banking, Account Management by Phone, and at thousands of ATM locations nationwide.

Holiday closing

Board of DirectorsHugh T. Bray, PresidentLeonard V. Doughty III, Vice PresidentWayne J. Goodwin, TreasurerR. Terence Brunt, SecretaryJoseph J. Bily, DirectorJoseph J. Ciaranca, DirectorDaniel L. Dillard, DirectorDavid A. Rufibach, DirectorWilliam A. Tollok, Director

Supervisory CommitteeJames P. DeBow, ChairpersonWilliam Donehower, Vice ChairpersonKathleen Wells, SecretarySuzette E. Adams, MemberDonna M. Carvin, Member

Account Management by Phone 215-953-5950 | 800-835-2628

Online Banking trumarkonline.org

Member Service Center 1-877-TRUMARK | 215-953-5353

24/7 Loan Applications1-877-TRUMARK | trumarkonline.org

Center City Philadelphia1701 Market Street, Philadelphia, PA 19103

Chestnut Hill8500 Germantown Avenue, Philadelphia, PA 19118

Downingtown370 W. Uwchlan Avenue, Downingtown, PA 19335

Doylestown4381 West Swamp Road, Doylestown, PA 18901

Eastern North Philadelphia1900 North 5th Street, Philadelphia, PA 19122

Fort Washington335 Commerce Drive, Fort Washington, PA 19034

Horsham301 Horsham Road, Horsham, PA 19044

Jenkintown515 Old York Road, Jenkintown, PA 19046

Levittown179 Levittown Parkway, Levittown, PA 19054

North Wales1200 Welsh Road, North Wales, PA 19454

Malvern –NOW OPEN–595 North Morehall Road, Malvern, Pa 19355

Northeast Philadelphia2117 Cottman Avenue, Philadelphia, PA 19149

Parkwood12377 Academy Road, Philadelphia, PA 19154

Phoenixville23 Nutt Road, Phoenixville, PA 19460

Plymouth Meeting1920 Butler Pike, Conshohocken, PA 19428

Richboro984 Second Street Pike, Richboro, PA 18954

South Philadelphia1931 South Broad Street, Philadelphia, PA 19148

Springfield, Delaware County1141 Baltimore Pike, Springfield, PA 19064

Trevose1000 Northbrook Drive, Trevose, PA 19053

Trooper2795 Ridge Pike, Trooper, PA 19403

Upper Darby1884 S. State Road, Upper Darby, PA 19082

Warrington875 Easton Road, Warrington, PA 18976

Wayne115 E. Swedesford Road, Wayne, PA 19087

West Chester1052 Andrew Drive, West Chester, PA 19380

For branch hours and days of operation, please visit trumarkonline.org or call 1-877-TRUMARK (878-6275).

09/19

Learn more and apply todayVisit trumarkonline.org/mortgages

*Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you. Subject to approval. NMLS 404938

TruMark Financial offers fixed and adjustable-rate mortgages with flexible terms plus competitive rates to help you stay on budget. With TruMark Financial’s HomeAdvantage® program, search properties online, find a real estate agent, and research neighborhoods to make sure you are getting the best deal. When using a HomeAdvantage agent to buy or sell a home, you could save $100’s to $1,000’s in Cash Rewards* at closing.

AFFORDABLE home-buying options to fit your budget

Schedule a complimentary appointment todayVisit trumarkonline.org or call 1-877-TRUMARK

*Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured TruMark Financial Credit Union deposits and are not NCUA insured. These products are not obligations of TruMark Financial Credit Union and are not endorsed, recommended, or guaranteed by TruMark Financial Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. TruMark Financial Credit Union and TruMark Financial Investor Services are not registered broker/dealers and are not affiliated with LPL Financial. LPL Financial Representatives offer access to Trust Services through the Private Trust Company N.A., an affiliate of LPL Financial.

Here for YOUTruMark Financial makes it easy for members to schedule an appointment online to meet with one of the credit union’s knowledgeable representatives. Select a time and location to discuss:

• Setting up a savings plan

• Opening a new account

• Refinancing a loan, line, or mortgage

• Retirement and investment planning* • Buying a new home • Debt consolidation • And more

Set up direct deposit to your TruMark Financial account for fast, easy access to funds. It’s free and you don’t have to worry about going to a branch to deposit checks, giving you more time to enjoy life.

FASTER access to funds via direct deposit

Apply todayVisit trumarkonline.org/classic, a branch near you, or call 1-877-TRUMARK

*Annual Percentage Rate (APR) is a variable rate. Credit card approval depends on creditworthiness and other qualifications. Minimum APR is 7.99%, maximum APR is 17.99%. Rates, terms, and conditions are subject to change without notice. All loans/lines are subject to approval. Business accounts are not eligible.

• Rates as low as 7.99% APR*

• No annual fee, balance transfer fees, nor cash advance fees

• Ability to customize your card with a picture for free

• Visa purchase alerts and fraud protection via Zero Liability

• Lock/unlock a lost or stolen card via online and mobile banking/app

TruMark Financial’s new Classic Visa credit card is built on simplicity. The Classic card is designed to save you money and make paying off purchases even easier than before. With the Classic card enjoy:

Enjoy ZERO balance transfer fees and a LOW rate

Rates as low as

7.99APR*%