APRIL • 2016

CONTACT YOUR FINANCIAL INSTITUTIONS OR DEBITAND CREDIT CARD ISSUERSAccording to the Federal Trade Commis-sion, if you report the loss of a debit card before someone illegally uses it, you’re not responsible for those unauthorized transactions. Similarly, under the Fair Credit Billing Act, credit cardholders aren’t liable for any expense incurred if their credit card information is stolen and used to make purchases as long as they have reported the card lost or stolen ahead of time.

To report a lost or stolen credit card to MCU, call (800) 449-7728. To report your MCU Debit Card lost or stolen, call (212) 693-4900. REPLACE YOUR DRIVER’S LICENSE OR ID Losing your license or photo ID can be extremely stressful and inconvenient. However, replacing this personal document can be easy, as the DMV now

FOUR THINGS TO DO WHEN YOU LOSE YOUR WALLET

allows New Yorkers to apply for a re-placement license, ID or learner’s permit online, in person or through the mail.

If you’re worried that your ID was stolen, you can help protect your personal identity by filing a report with your local police department. In some instances, this may even come with the added benefit of the Department of Motor Vehicles (DMV) waiving your replace-ment fee.

For more information on how to replace a New York State Driver’s License or Photo ID or on the steps you can take to report this document stolen, visit dmv.ny.gov

PULL YOUR CREDIT SCORES Even though your old debit and credit cards will no longer work after you’ve reported them lost, they can still be used to steal your identity and open lines of credit in your name. In an effort to protect your identity and credit,

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set up a fraud alert with one of the three major credit reporting agencies: Experian, Equifax or TransUnion.

It’s also important to check for any strange activity throughout the year, even after the 90-day fraud alert expires. SOCIAL SECURITY CARD MISSING TOO? If an identity thief gains access to your social security information, he or she can easily open credit accounts in your name. If your social security card went missing with the rest of your wallet, look into applying for a credit freeze, which will prevent anyone from applying for credit under your name using this information.

Using a credit freeze as precaution will come with a small fee, depending on the state you live in. However, it’s free to replace your social security card up to three times a year.

Rates as low as

5.95% APR*

MCU Personal Loans - a simple solution.

* APR= Annual Percentage Rate. With approved credit. Rates may be higher based on your creditworthiness. Requires direct deposit or automatic payroll deduction as method of repayment. The Annual Percentage Rate (APR) will increase by 2% during the term of this transaction if you discontinue payment through payroll deduction or direct deposit. Your payments will consist of 60 monthly payments of $19.31 on each $1,000 borrowed at 5.95% APR. 5.95% APR available for amounts up to $15,000. Higher loan rates apply for amounts in excess of $15,000. Rates and terms are subject to change without notice. Certain restrictions apply. Membership is required.

Apply for a Personal Loan today!1-800-LOAN-MCU | nymcu.org

Planning awedding

Consolidatebills

New furniture or appliances

To meet your important or unexpected needs:

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At no cost to our members, MCU offers digital tools that are both friendly to the environment and your busy lifestyle. Take a look at the way our members are going green and saving green!

NYMCU ONLINE BANKING: Safely and securely manage your MCU account. With

NYMCU Online Banking, you can view your account bal-ances, transfer funds between accounts, sign up for alerts to monitor account activity, and much more.

BILLPAY: Save time, money and paper by paying bills without

having to write and mail a check. BillPay also provides members with the option to schedule bill payment with a variety of frequency options (weekly, monthly, annually, etc.). You can even look up 18 months of payment his-tory to all of your payees.

eSTATEMENTS: View and print up to 24 months of statements and receive notifications to your email account every month when a new statement is ready to be viewed.

NYMCU MOBILE BANKING:

Downloading the NYMCU Mobile Banking App to your iPhone, iPad, iPod Touch and Android tablets and phones gives you the freedom to open and manage accounts, transfer funds, pay bills, apply for loans and find the nearest MCU ATM or branch location anytime, anywhere.

To learn more about these great paperless options and to enroll in MCU Online Banking, visit nymcu.org today!

GO GREEN, SAVE GREEN THIS SPRING

As we continue to celebrate our centennial year and reflect on our long history of service to the communities throughout New York, we’re also looking to the future by celebrating the young people in our communities with Youth Month this April!

Keep an eye out on nymcu.org and at your local branch locations to learn more about how we’re giving back to our youngest members and potential members throughout the rest of the month!

April Is Youth Month

PERSONAL LOAN RATES

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Unsecured Loan $1,000–$15,000 Up to 60 Months 5.95% $19.31

Unsecured Loan $15,001–$50,000 Up to 60 Months 6.95% $19.78

Unsecured Loan $15,001–$50,000 Up to 72 Months 7.55% $17.31

AUTO LOAN RATES

2016–2015 125% Up to 60 Months 1.45% $17.292016–2015 125% 61–66 Months 2.35% $16.172016–2015 125% 67–72 Months 2.35% $14.91

2014 125% Up to 60 Months 1.85% $17.472014 125% 61–66 Months 2.65% $16.30 2014 125% 67–72 Months 2.75% $15.09

Municipal Credit Union Supervisory Committee/Internal Audit DepartmentPost Office Box 3418, New York, NY 10277-1863 Attn: Giovanni Porcelli, ChairmanPhone: 212-238-3573 Email: gporcelli@nymcu.org

The Supervisory Committee has established a procedure; whereby, members can confidentially submit concerns regarding questionable accounting or auditing matters, as well as concerns impacting on internal controls. Correspondence should be sent to:

NOTICE FROM THE SUPERVISORY COMMITTEE

Board of Directors Sylvia G. Ash, Madam ChairJames Durrah, 1st Vice ChairC. Richard Wagner, 2nd Vice ChairLoretta Y. Jones, 3rd Vice ChairS. Nana Osei-Bonsu, Treasurer Shirley Jenkins, SecretaryMario Matos Jr., Asst. Treasurer Caroll A. Duncanson, Asst. Secretary Mark S. Brantley, Esq., Director Tessa I. Hackett-Vieira, Director Beryl Major, DirectorJoy S. Schwartz, DirectorThomas E. Diana, Director Emeritus

Supervisory CommitteeGiovanni Porcelli, ChairmanKaren Lucas, SecretaryAlmeta Coaxum, MemberJoseph Guagliardo, MemberCheryl Wright, Member

Executive ManagementKam Wong, President/CEOThomas Siciliano, General CounselRichard Casamassa, Executive VP/Chief Member Service Operations OfficerNorman Kohn, Executive VP/Chief Credit Officer Linda Lambert, SVP/Chief Financial Officer Carole A. Porter, SVP/Chief Retail Banking Operations OfficerKim Thompson, SVP/Chief Human Resources and Labor Relations Officer

Senior ManagementAnie Akpe, VP/Real PropertyWilliam Birnbach, VP/Member Service OperationsAhmed Campbell, VP/Loan OperationsCorey Fernandes, VP/Business Development and Member RelationsUrmilla Jorawar, Chief Internal AuditorSteven Kibitel, VP/MarketingAmy Kong, VP/Risk ManagementJohn Parrinello, VP/Collections/ Loss Prevention Agnes Payadue, VP/Retail Banking Operations/Contact CenterJanet Perkins, VP/Process Engineering/Innovation Joseph Rini, VP/ Accounting and FinanceRobert Soloway, VP/Technology

PHONE NUMBERS: MCU’s Automated Service – Touch Tone Teller:

Within the Five Boroughs/Long Island (212) 693-4900

Outside the Five Boroughs/Long Island (800) 323-6713

Application Express: (800) LOAN-MCU

Loan By Fax: (212) 238-2699

MCU Auto Loans: 888-4MCU-AUTO

VISA Information: (800) 481-7338

Mortgage and Home Equity Information: (212) 238-3521

Deposit Account Information: (212)-693-4900

New Member Line: (866) JOIN-MCU

VISIT US ONLINE: nymcu.org

Rates may be higher based on applicant’s credit worthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.

MCU only finances vehicles purchased from a car dealer: We do not offer financing for private sales, individual sales or lease buyouts.

* Auto-Pay: When direct deposit or automatic payroll deduction is utilized as the method of loan repayment. Annual percentage rates for auto loans will increase by 1/2 % after consummation if automatic payroll deduction or direct deposit is cancelled. Annual percentage rates on unsecured loans will increase by 2% after consummation if automatic payroll deduction or direct deposit is cancelled. Late payment fee: $25.00.

APR = Annual Percentage Rate.Municipal Credit Union is an equal housing lender.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

For complete information concerning our savings programs, contact the credit union for a “Truth-in-Savings” disclosure.

PERSONAL LOAN RATES Auto-Pay Monthly Payment PerLoan Type Amount Financed Term APR* $1,000 Borrowed

Maximum Auto-Pay Monthly Payment PerLoan Type Amount Financed Term APR* $1,000 Borrowed

New Cars (Best loan rates available when using the MCU Car Buying Service)

Pre-Owned Cars (Best loan rates available when using the MCU Car Buying Service)

Facebook.com/nymcu

@NYMCU_News

We’re Celebrating Our Members“ I was so happy when MCU opened a branch in my neighborhood, Springfield Gardens, that I sent a thank you note to the President/CEO. The area is full of civil service workers, perfect for MCU’s membership. When I come here, I feel like family.” – Debbie R., MCU Member

This year, we’re telling the story of our credit union in the most important way we know how…through you, our members!

The MCU 100 Members project seeks to feature the diversity of our members – who they are, where they’re from and how MCU has played a role in their lives. And we want to hear from you!

Want to learn more about how you can share your story? Keep an eye out in your local branch for when we will be visiting your area. To view more of our member stories visit Facebook.com/NYMCU