"Dream...Belong...Achieve" New Smiles at the Credit Union Rocky's Corner Spend Time ONLINE Not In LIne Saving Money Letter From The President Beware of Credit Card and Debit Card Fraud Examine Your Statement Promptly Your Credit Union: It's A Family Affair ...before you visit the car lot Why Do 85 Million Americans Love Their Credit Union? Repo's For Sale ATTENTION: Christmas Club Account Holders Holiday Closings

Why Do 85 Million Americans
Love Their Credit Union?

ecause credit unions offer high-quality, affordable financial services. As a member-owened, not-for-profit financial
institution, we offer:

* Great Rates - we price loans, pay interest, and charge fees to
provide high-quality, low-cost services. Banks price products and services to maximize profits for stockholders.
* Education - we stress personal finance education to help you make informed buying decisions.
* Satisfaction and Trust - in the U.S., credit unions have been the favorite among consumers in the American Banker Satisfaction Survey every year since 1983.
* Ownership - credit unions are the only democratically controlled financial institution in the U.S.

Credit union membership is a privilege that 85 milliom Americans enjoy.
Credit Unions: Dream... Belong... Achieve.

ATTENTION:
Christmas Club
Account Holders

hristmas Club accounts available through the credit union provide a regular means of saving for a specific purpose. Dividends are paid to your CHristmas Club account monthly. Early in November, your account balance will be transfered automaticallyto your regular savings account. This allows you to withdraw funds as needed. In the past, many of you received checks in the mail. If you wish to continue to get a paper check, contact the credit union at 912-427-8924.