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 April 2016

VISA BALANCE TRANSFER Extended Until April 30

You’ll be over the moon when you see how much you can save with our special Visa balance transfer offer! You’ll get:

• 1.99% APR* on a CommonWealth One Visa credit card for 12 months

• No balance transfer fees

Plus, after 12 months, you’ll still save money with extremely competitive, variable credit card rates as low as 7.99% APR* and generous benefits. No skyrocketing interest rates (not even if you make a late payment!).

Transfer balances online at cofcu.org or call (866) 820-5871. Don’t have a Visa credit card? Apply online in just minutes!

*APR=Annual Percentage Rate. Variable credit card rate information: This APR will vary with the market based on the Prime Rate.

NEW MEMBER REFERRAL PERKS Refer a Friend, Reward Yourself!

It’s easier than ever to get rewarded for bringing friends, family, and co-workers to join our team! Our new Member Referral Campaign works as easy as 1, 2, 3!

1. You refer a new member.

2. He or she opens a savings account with a checking account and uses our Mobile App.

3. You both get $25!*

Cash In on the OpportunitiesStop by any branch for the form – or complete your referral form online at TeamUpandWin.org!

1.99% Visa® Balance Transfer Offer Extended Until April 30!

APR*

FINANCIAL INFORMATIONFebruary 26, 2016

Members 32,676 Shares $284,881,238Loans $219,154,756Assets $321,249,245 Complete financial statements are available at branches.

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

PhoneOne 24/7 Account Information(703) 823-3510 • (800) 424-2328

Visa® 24-Hour Info, Lost or Stolen CardCredit Card: (800) 449-7728Debit Card: (800) 472-3272

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

Nationwide Allpoint™ No-Fee ATMsallpointnetwork.com

Federally Insured by NCUA

ANNUAL MEETINGJoin Us on May 12

Our Annual Meeting will be held on Thursday, May 12, at the Main Branch in Alexandria. The branch will close at 4:30pm. Light refreshments will be served at 5:15pm, and the meeting will start at 6pm.

We hope to see you there!

MEMBERSHIP APPRECIATION DAY Thursday, April 21

Our next Member Appreciation Day will help you “Pump Up Your Savings” in honor of National Credit Union Youth Month. We hope you’ll join us for fun and refreshments.

YOUR PRIVACYAnnual Privacy Policy Notice

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed, and you may review our policy and practices with respect to your personal information at cofcu.org, or we will mail you a free copy upon request if you call us at (703) 823-5211.

You Could Win

$1,000Start Your Summer with $25

AND

12

CommonWealth OneFederal Credit Union

We’ve Teamed Up with TurboTax® to Offer You:

• Your maximum refund• Savings of up to $15 on

TurboTax federal products• A hassle-free tax season

Learn more at cofcu.org/turbotax.

$1,000 WIN BIG Sweepstakes

Now you can get your dream car, kitchen, home, or anything else – PLUS have a chance to win $1,000! Introducing our new $1,000 Win Big Sweepstakes, through which we’ll award a $1,000 Grand Prize to one lucky member each quarter.

You’ll receive an automatic entry into this quarter’s Sweepstakes when you get a loan by June 30!

Eligible loans include:

• Auto loans• Personal loans• Visa credit cards• Home equity loans or line of credit• Mortgage loans

DOLLARS AND SENSEFree Financial Consultation

Whether preparing for retirement, developing a college savings plan, or starting out with investments, Financial Consultant Michael Finnie is here to help you achieve your lifetime financial goals. Schedule a visit with Michael to work on a unique strategy custom-fit for you and your needs.

Schedule Your Free Consultation Today!

To schedule a free planning consultation, contact Michael today at (800) 424-3334, ext. 1294, or Michael.Finnie@securitiesamerica.com. Securities offered through Securities America, Inc., a Registered Broker/Dealer, Member FINRA/SIPC, www.finra.org and www.sipc.org, Michael Finnie, Registered Representative. Advisory services offered through Securities America Advisors, Inc., Michael Finnie, Investment Advisor Representative. The Securities America companies, USAdvisors Wealth Management, LLC, and CommonWealth One Financial Network are separate entities. Securities licensed in D.C., MD, NC, SC, VA, WV. Not NCUA Insured. No Credit Union Guarantee. May Lose Value.

*For complete details and official rules, visit cofcu.org/winbig1000. Loans must be disbursed by June 30 and must be a minimum of $500 to qualify. Mortgage applications must be approved by our mortgage partner, Member Advantage Mortgage, by June 30.

Apply today for your next loan at any branch, cofcu.org/winbig1000, or call (703) 823-5211.

GO GREEN!

Sign up for E-Statements Today in Online Branch.

*Checking qualifications apply. Must be first account with CommonWealth One. Visit TeamUpandWin.org for full disclosures.

ZERO HASSLEWith Our Home Equity and Zero Equity Loans!

There’s something motivating about spring – which makes it a perfect time to jump into home improvement projects or consolidate debt for a fresh start. Get the money you need by borrowing up to 90% of your home’s loan to value (LTV) with our home equity loans as low as 3.74% APR!*

No Equity in Your Home? No Problem!

You can borrow up to $25,000 with our Zero Equity Loan at rates as low as 7.15% APR* and still enjoy the potential tax deductibility** of a home equity loan. Plus, no title insurance or appraisal is necessary!

Apply today at any branch, online at cofcu.org, or by calling us at (703) 823-5211.*APR=Annual Percentage Rate. **Please consult with your tax advisor about tax deductibility options.

5/5 ADJUSTABLE RATE MORTGAGE Easy, Affordable Homeownership

Are you a first-time homebuyer? Or, do you think you’ll sell or refinance your home within the next five years? Then you might be an ideal candidate for a 5/5 Adjustable Rate Mortgage (ARM) from CommonWealth One! This option offers homebuyers flexibility and lower-cost access to homeownership, thanks to these advantages:

• Best rate available for a five-year term• Lower payment than a 30-year fixed-rate

mortgage payment• No interest rate changes for the first

60 months• Rate adjustment once every five years, with a

2% cap at each adjustment and a lifetime cap of 5%

Apply for a 5/5 ARM at cofcu.org/mortgage, or call us at (703) 823-5211.

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 to purchase your new or used vehicle.**

*APR=Annual Percentage Rate. Rates quoted reflect a 1.00% reduction for Loan Loyalty Rewards and TrueCar rate discount. Example: 1.99% (current rate) less 0.50% Loan Loyalty Rewards less 0.50% TrueCar rate discount equals 0.99% (your final APR). **To get the TrueCar special interest rate, 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.

APRIL VIDEO SERIESPump Up Your Savings!

April is National Credit Union Youth Month™, and we’re celebrating with a video contest for our members ages 22 and under. Tell us how you save money, and you could add to that savings with a cash prize from CommonWealth One!

• Create a 15-30 second video telling us your best money-saving tips.

• Email your video to marketing@cofcu.org by April 30.

• See if you win one of three cash prizes ($100, $200, or $300)!

Winners will be drawn within the week after the final entry deadline and notified via email. Good luck!

GOODBYE TAX PAPERS Community Shred Day Is April 16

It feels great to get through another tax season – and just as great to get rid of your papers! Bring your financial or personal documents for safe, secure shredding.

Saturday, April 16:

Your credit union has been hard at work these last few months adding and improving services and offering new products.

• We’re installing a new Call Center phone system with automatic callback so you can leave a message and keep your place in line without staying on the phone. Or, you can designate a convenient time for us to call you back.

• A new website design is coming this spring that will display clearly on all devices and let you locate the information you need with one click.

• In the fall, we’re installing a new loan system that makes it even easier to apply for a loan and for our team to respond quickly to your request.

We’ve also created special programs to help save you money:

• Member Brian C. from Alexandria bought a Honda using our Online Auto Buying Service by TrueCar. Thanks to our lowest auto loan rates ever, he’s driving a brand new car with an $300/month affordable car payment. Rates as low as 0.99% APR* for 36 months are only available until June 30, 2016.

• A 2.49% APR* six-month home equity line of credit intro rate can save you money and provide funds for a major home improvement this spring or summer, as well as for a wide variety of other major expenses.

• And don’t forget – when you get an auto, credit card, mortgage, home equity, or personal loan with us April 1 – June 30, you could win in our $1,000 WIN BIG Sweepstakes!

• Concerning the many benefits of credit union membership, word-of-mouth advertising works best. And when you refer your friends and family to open a CommonWealth One account, you’ll both receive $25.

Also, be sure to mark your calendar for our Annual Meeting, Thursday, May 12, where you’ll hear reports on your credit union’s strength in 2015. We’ll also announce election results and new service initiatives.

Finally, thank you for your membership and for Teaming Up with CommonWealth One. We look forward to providing you with the best products and services to improve your financial life.

PRESIDENT’S REPORT

Charlotte Cash,President/CEO

COMING SOON!Watch for Our Website and Online Banking Makeovers

With the arrival of spring, everything is fresh and new again – including our website and online banking! Watch for exciting updates that will streamline navigation on our website and make it easier for you to find the information you need most. We’ll be sure to let you know as soon as these enhancements are ready for you, and it won’t be long!

NEWSLETTERS GOING GREENMoving to Quarterly Mailed Newsletters

Our newsletters are becoming more eco-friendly. Going forward, printed newsletters will be mailed on a quarterly basis with your statements. To stay informed on the latest news and help us go green, sign up today for our electronic newsletter at cofcu.org/enewsletter.

CRUISE ON IN For Special TrueCar® Auto Loan Rates

The temperature might be going up, but our auto loan rates are lower than ever. Get your dream vehicle in time for summer cruising with the lowest interest rates ever available through TrueCar. This is a limited-time offer available through June 30, 2016.

Follow These Easy Steps:

1. Visit cofcu.org/membershowroom and click the Auto Buying Service link to find a new or used car.

Harrisonburg42 Terri Dr9am-1pm

Alexandria4875 Eisenhower Ave.9am-2pm

New and Used Cars

Fixed APR* as Low as

TrueCar Special Financing Offer

as Low as

Up to 36 months 1.49% 0.99%

37 - 60 months 1.74% 1.24% Dreading Your Next Tuition Bill?Pay for qualified education expenses or consolidate debt with our affordable, private student loan options. Visit cofcu.org/studentloans to apply!

New! Special Introductory

Rates as Low as

2.49%for six months!

APR*