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NO MINIMUM BALANCE NO MONTHLY FEE ONLINE & MOBILE BANKING

EFCUNEWS 225-214-6800 • 1-800-963-3328 • efcuFINANCIAL.org • P. O. Box 91001 Baton Rouge, LA 70821

WINTER 2017, Vol. 2 | A newsleter for EFCU Financial Credit Union Members

New

or* * 3.00% cash back on your debit card 3.01% APY* on balances up to $10,000

purchases up to $250 A range of 3.01% - 0.50% APY* on the portion of your balance above $10,000

$7.50 cash back limit (APY* will be calculated on an Interest Rate of 0.25% based on your balance)

Unlimited ATM fee refunds nationwide, Unlimited ATM fee refunds nationwide, up to $4.99 per transaction up to $4.99 per transaction

REWARDS CHECKING #TeachMe ONE ACCOUNT WITH TWO GREAT CHOICES

Stay up to date with technology Want to earn a higher rate of interest OR get cash back on your everyday checking and more at EFCU Financial with our account for doing what you're already doing? Our Rewards Checking Account does #TeachMe videos. Posted on our just that! YouTube channel and Facebook page, • No minimum balance required these informative videos cover a • No monthly service fees variety of topics revolving around the • Debit Card credit union you own. Laugh and learn • Online and Mobile Banking about all the ins and outs of our great • And more! products and services.

*SEE INSIDE FOR MORE DETAILS.

IF YOU CHOOSE HIGH YIELD REWARDS: Topics we've covered:

You'll earn these great rewards every month you qualify: •Instant Balance• 3.01% APY* on balances up to $10,000 •Mobile Check Deposit

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

P.O. Box 91001 • Baton Rouge, LA 70821 efcuFINANCIAL.org

In this isue... PAGE

Rewards Checking 1 & 4 #TeachMe Videos 1

Annual Meeting 1 Turbo Tax 2

Flood Recovery 2 Board Nominations 3

Fraud Prevention Technology 3 Enterprise Car Sales 3

•Bill Pay •Meet Our Call Center

Keep an eye out for new #TeachMe videos! Have a topic suggestion for a video you'd like to see? Let us know!

facebook.com/efcufnancial

youtube.com/efcufnancial

ANNUAL MEETING Our Annual Meeting will be held on March 28, 2017 at our Operations Center located at 10719 Airline Highway in Baton Rouge. The meeting will begin at 5:30 pm and will last about an hour.

• Unlimited ATM fee refunds nationwide, up to $4.99 per transaction • A range of 3.01% - 0.50% APY* on the portion of your balance above $10,000

(APY* will be calculated on an Interest Rate of 0.25% based on your balance)**

If you don't qualify for rewards during a given cycle, you may try again next cycle. The account will earn a rate of 0.05% APY* on non-qualifying cycles.

IF YOU CHOOSE CASH BACK REWARDS: You'll earn these great rewards every month you qualify:

• 3.00% cash back on your debit card purchases up to $250 • Up to $7.50 cash back • Unlimited ATM fee refunds nationwide, up to $4.99 per transaction

If you don't qualify for rewards during a given cycle, you may try again next cycle.

IT'S EASY TO QUALIFY FOR YOUR REWARDS: It only takes a few steps to qualify - and you're probably already doing them!

• Make 12 debit card transactions** • Have at least one ACH, like an auto draft or direct deposit** • Enroll in e-statements

*APY=Annual Percentage Yield. APYs accurate as of 11/01/2016. Rates may change after account is opened. The follow-ing must be met each qualifcation cycle: (1) Have at least 12 debit card purchases post and settle, (2) Have at least 1 automatic payment (ACH) or direct deposit post and settle, and (3) Be enrolled and receive e-statement notice. If qualifcations are met each monthly qualifcation cycle: (1) balances up to $10,000 receive APY of 3.01%; and (2) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in a range of 3.01% - 0.50% APY depending on the balance (3) domestic ATM fees up to $4.99 per item will be re-imbursed on the last day of your statement cycle. ATM receipt must be presented for $4.99 maximum ATM fee reimbursement if surcharge is $5.00 or higher. Fees may reduce earnings. If qualifcations are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualifcation cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualifcation Cycle” means a period beginning one day prior to the frst day of the current statement cycle through one day prior to the close of the current statement cycle. **Our APY calculations for Rewards Checking are based on an assumed total account balance of $10,000 plus $100,000.

**Must post and settle during the cycle.

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FINANCIAL®

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Where wil $25,000 take you? Save up to $15 on TurboTax, the smarter way to get your taxes done right. File your taxes the

smarter way and save! EFCU Financial members can get up to $15 off TurboTax products. TurboTax® translates taxes into simple questions about your life, so you don’t need tax knowledge or an appointment to get your taxes done right.

Get your maximum refund. TurboTax searches over 350 deductions and credits to make sure you get your

biggest possible refund, guaranteed. Be sure nothing gets missed. TurboTax CompleteCheck™ reviews every detail in your return, walks you

through any fnal changes, and gives you the green light to fle.

You’re never alone. Connect with an expert live, on-screen to get answers when you need

them with TurboTax SmartLook™. Just try TurboTax Online for FREE (and provide your email address) by February 16th to be automatically entered in the TurboTax $25,000 Payday Sweepstakes.1

The TurboTax credit union member discount is just one of many discounts available with the Love My Credit Union Rewards program. Members have saved nearly $2 billion with exclusive offers from Sprint, ADT, TruStage, and cash back shopping with Love to Shop. The more offers you take advantage of, the more you save.

1 TurboTax $25,000 Payday Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the ffty (50) United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/16/17. Subject to complete Offcial Rules and all applicable federal, state and local laws. For odds of winning, alternate method of entry, and prize descriptions, see Offcial Rules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.

State fling charges apply. Limited time offer for TurboTax 2017. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties' trademarks or service marks are the property of their respective owners.

FLOOD RECOVERY EFCU FINANCIAL AIDING OUR MEMBERS The Great Flood of 2016 impacted thousands of homes and businesses in Louisiana, including EFCU Financial's Denham Springs and O'Neal Lane branch locations. This disaster has been considered one of the worst natural disasters since Superstorm Sandy ravaged the eastern coast in 2012. It is estimated that over $8.7 billion worth of damage was inficted on homes, businesses, and the infrastructure in at least 26 parishes in our state.

MEMBER SERVICES Our frst priority at EFCU Financial is always our members. We have assisted over 2,000 of our members during this diffcult time. In less than 72 hours after the food, we formed a Storm Team with the sole purpose of aiding fooded members with their loans, payments, and insurance claim questions. Between August 23rd and December 13th, we assisted members with insurance claims for 952 autos and 111 homes, and we processed over 400 additional GAP (Guaranteed Asset Protection) insurance claims. We also offered up to 60 days of loan extensions for our affected members to defer their payments.

Storm Extensions $ Amount # of Loans

Total as of 11/30/16 $48,856,985 2281

In addition to payment deferments, we also worked with our members on a variety of loan products to help them get back on their feet. An EFCU Financial Home Equity Line of Credit (HELOC), a revolving line of credit that lets you borrow funds as you need them, up to your credit limit, was an option for many. We also temporarily offered a special Construction Loan to help fooded homeowners pay off their previous mortgages and begin repairs.

Visit www.efcuFINANCIAL.org if you would like additional information about our loan products. Also be sure to visit our Resources page on our website to view a list of informative websites that we have compiled to help you and your family recover and rebuild if you were affected by the food.

BACK TO BUSINESS AS USUAL Our own branch on Magnolia Beach Road in Denham Springs took in food water and was closed for several months. With the help of several volunteer EFCU Financial employees, we were able to quickly remove the damaged materials and begin the construction process. The ATM was repaired and functional by August 29th, and the drive thru was re-opened on September 7th. Most importantly, we are thrilled to announce that the Denham Springs branch lobby is now open and fully operational as of December 13th. Assistant Vice President Nicole Jarreau and all of the original staff are back in the branch and ready to assist our members. We now have seven fully functional branches: Shenandoah, Monterrey, Refnery, Zachary, Gonzales, Prairieville, and Denham Springs.

COMMITTEE ANNOUNCES NOMINATIONS FOR BOARD

The 2017 Nominating Committee, consisting of board members Neal Chollette, Neal Elkins, and Celeste Francois, respectfully submits the following names for the upcoming vacancies on the Board of Directors:

3-Year Term: Kim Bardell Keith Carpenter Jim Phillips

Nominations by petition signed by 1% of the voting membership (minimum 500 signatures of qualifed voting members) will be accepted until February 16, 2017.

The fnal slate of nominees (including petitions) will be posted at all EFCU Financial offces by February 21, 2017, with a brief statement of qualifcations and biographical data on each candidate. If no petitions are received, the Nominating Committee’s candidates will be elected by acclamation at the March 28, 2017 Annual Membership Meeting.

If you’re a member in good standing, and want to serve your credit union and fellow members, and possess strong leadership and business management skills, mail the properly signed petition, your résumé and cover letter to:

Nominating Committee EFCU Financial PO Box 91001 Baton Rouge, LA 70821

Petitions must be received by February 16, 2017, to be included on the election slate.

Enterprise FIND & FINANCE YOUR NEW CAR

The EFCU Financial and Enterprise Car Sales partnership has proven to be benefcial for many members. This collaboration has allowed countless members to enjoy stress free buying with a worry free ownership experience. Members have also been able to save money by taking advantage of our special interest rate reduction. Due to the positive feedback we have received from members, we are pleased to announce we will continue to offer a 1% rate reduction off of the lowest qualifying rate for members who purchase from Enterprise Car Sales and fnance with EFCU Financial through 2017.

APR= Annual Percentage Rate. Rate will not go below the A+ tier rate. 1% off current rate. Qualifying rate will vary based on credit worthiness and terms. Financing for qualifed EFCU Financial members. Offer valid only on Enterprise Car Sales vehicles purchased 1/1/17 - 12/31/17. This offer cannot be combined with any other offer. Used vehicles were previously part of Enterprise short term rental and/or lease feet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short term rental, lease or other.

FRAUD AND TECHNOLOGY HOW TO PROTECT YOURSELF ON THE INTERNET Identity theft, credit/debit card fraud, and email spam are becoming more and more prevalent in our ever growing age of technology. Because of this, it's more important than ever to know how to protect yourself when using the internet. One of the most popular forms of fraud is called phishing.

PHISHING: the activity of defrauding an online account holder of fnancial information by posing as a legitimate company.

When paying online, always make sure that you are on a secure site. The website URL will be preceded by a padlock symbol to indicate that it is protected. It will also begin with "https" rather than "http." Also be sure to change your passwords regularly. Hackers have breached online security at several major retailers recently and changing your password can ensure that they have outdated information for your account. If you notice fraudulent activity on your debit or credit card, be sure to report it to your fnancial institution immediately.

Phishing emails and pop ups often look very real. If you receive an unexpected email from a company requesting money, always inspect it for details to confrm validity. If you are suspicious, go to the company's website and contact them directly. Phishing emails are often flled with false contact information or links to help them appear legitimate. Never send fnancial information or your social security number in an email.

SHOP ONLINE SAFELY