— MESSAGE FROM THE CEO —

70 YEARS AGO, CREDIT UNIONS CAME TO ALASKA

Lots of great things started in 1948 : NASCAR, the Land Rover, the World Health Organization, and the American Broadcasting Company (ABC) were formed. , Steve Tyler, James Taylor, Billy Crystal, George RR Martin and last, but most certainly not least, Terry Bradshaw were among those born that year. The first International Credit Union Day was celebrated that year as well! But also, in 1948, True North was born. Then Juneau Territorial Employees FCU, your Credit Union was chartered on November 30, 1948. A week later, AKUSA and

The North WordFALL 2018

Holiday ClosuresMonday, October 8 Indigenous Peoples Day / ClosedMonday, November 12 Veterans Day / ClosedThursday, November 22 Thanksgiving Day / ClosedTuesday, December 25 Christmas Day / Closed

Telephone Teller (907) 523-4700 and Express PC Home and Mobile Banking are both available 24/7 if you need assistance during our closures. For more info go to www.TrueNorthFCU.org.

Visit www.TrueNorthfcu.org for details!

Limited Time Only!CD special rates

and terms.

GROW YOURPFD!

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Denali (now Nuvision) were chartered. I cannot pass up the chance to point out that True North is the oldest remaining Credit Union in the State, even if only by a week! Over the past 70 years, Credit Unions have come and gone, most merging into others, leaving now 10 Credit Unions based in our great state. Through all this change, True North has remained constant in our focus on serving Alaska communities.

Continued on page 3

Thursday, October 18Noon - 2:00pm

2019 CALENDER PHOTO CONTEST WINNER ANNOUNCED!

ANCHORAGE: 341 W. Tudor Rd, Ste 100JUNEAU: 2777 Postal Wy and 615 W. Willoughby Ave

MORTGAGE LOANSWhether you are financing a home for the first

time, purchasing a second one, or refinancing your current mortgage, give Amy a call today!

AMY TONSGARDReal Estate Loan Officer

NMLS#1455687

(907) 523-4710atonsgard@truenorthfcu.org

RATES TOO HIGH TO KEEP A SECRET!

Act soon – they are not guaranteed to be available tomorrow!

For the latest offerings visit our website at www.TrueNorthFCU.org.

PREMIMUM RATES & TERMS

TOP-SHELF CERTIFICATES

How much money do you spend each week for work lunches? Do the math. The number may shock you. But, for just a few dollars and several minutes of your time, you can prepare something delicious at home. We get it; you’re busy. And you love that little diner near your office. That’s why we’re not telling you to go cold turkey on the sushi rolls and personal

pizzas. We’re only challenging you to brown-bag it once a week: on Tuesdays. Don’t leave your lunch prep for the morning madness; do it the night before. Also, make sure you have all the ingredients on hand before Monday night rolls around by jotting them down on the weekly grocery list. Changing a long-standing habit is never easy. Are you up to the challenge?

Brown-Bag It TuesdaysTAKE THE CHALLENGE

BUSINESS LOANSOur exceptional service and local loan

approvals make us the first place to call.

WILLIAM BOOTHEBusiness Lending ManagerNMLS#1559318

(907) 523-4755wboothe@truenorthfcu.org

MESSAGE FROM THE CEO— Continued from page 1—

Our Mission is to be a member owned and locally managed credit union that provides quality financial solutions for its members. True North is dedicated to improving the economic well-being of the members, employees, and communities it serves. For 70 years, the members of our leadership team, our Board, and our Supervisory Committee have lived in Alaska. We are members of local chambers of commerce, economic development agencies, Rotary clubs, swim clubs, non-profit boards, and PTAs, all based in Alaska. We work with your local government and agencies to

understand community needs, and then we work to develop programs to help meet them. We are member owned and Alaska focused and those principles

are ones by which we manage your credit union. You could

say that serving Alaska is our True North, and we believe in the principle of “People helping People”, which is the keystone of the credit union

movement. This fall we celebrate

True North’s platinum anniversary, with appreciation for our

member owners, along with the 70th Anniversary International Credit Union Day. We thank you for your support over the past 70 years, and look forward to another 70 years of service to our Alaskan membership and communities.

With no down payment requirements and competitive rates, the USDA Rural Housing mortgage program provides an affordable

opportunity for many homebuyers.

To learn more about how a USDA guarantee loan can help make homeownership possible and affordable for you.

Call Amy Tonsgard at (907) 523-4710 today!

BOARD OF DIRECTORSKim Garnero, CHAIRMark Troupin, VICE CHAIRDavid Teal, TREASURERChristine Moleski, SECRETARYJim AndersenLillian “Lisa” M. WorlKaren Morgan

Lauren MacVay, PRESIDENT/CEO

BRANCHES:Anchorage Branch907-771-4777, Fax 907-561-1538 Foodland IGA Juneau Branch907-523-4700, Fax 907-586-1173Mendenhall Juneau Branch907-523-4700, Fax 907-523-4716

Administrative Office - Juneau907-523-4778, Fax 907-586-8078

BRANCH MANAGERSSara Boyer, ANCHORAGE BRANCH MGRAshlee Hamilton, JUNEAU AREA BRANCH MGRWilliam Boothe, BUSINESS LENDING MGR

STATISTICS AS OF AUGUST 31, 2018:Assets: $150,485,940Loans: $132,601,199Shares: $134,724,589

TELEPHONE TELLER: (907) 523-4700

24/7 LOANS: Easy online application at www.TrueNorthFCU.org

24 HR BILL PAY SUPPORT: (866) 395-5336

GENERAL E-MAIL: admin@truenorthfcu.org

CREDIT CARD CUSTOMER SERVICE: (800) 654-7728

WEBSITE: www.TrueNorthFCU.org

True North FCU NMLS # 440100 | Federally Insured by NCUA

Jake’s parents give him $5 for each A he earns on his report card and $2 for every B. Use this information to answer the following questions.

1. If Jake got four As and three Bs this semester, how much money will his parents give him?

a. $25b. $24c. $26d. $23

2. If Jake got two As and five Bs, and he wants to use his report card money to buy a new pair of sneakers costing $65, how much more money does he need?

a. $45b. $40c. $20d. $25

3. If Jake has a total of 7 grades on his report card, what is the largest amount of money he can receive for his grades?

a. $30b. $14c. $28d. $35

Thinking Cap: Why do you think Jake’s parents reward him for earning good grades? Do you think this is a good idea or not?

Answers: 1. c 2. a 3. d

— KIDS CORNER—

REPORT Card rewards

October 18, 2018, will mark the 70th anniversary of International Credit Union Day. This year’s theme is “Find Your Platinum Lining.” It combines the traditional gift of platinum for 70th anniversaries with a play on the saying “every cloud has a silver lining.” Credit unions all over the world will be celebrating the history and the success of the “People-not-Profit” philosophy. This year’s theme emphasizes the credit union movement’s loyalty to its members and its mission to provide them financial support and guidance. The movement began in the 1840s as a democratic consumer cooperative by weavers in Rochdale, England. Frustrated by bankers who denied them loans simply because they weren’t wealthy, the weavers and workers decided to pool their incomes and loan money to each other. In time, this cooperation put each member on solid financial ground and encouraged their own businesses to flourish. The need for equitable financial institutions grew and, in 1971, the World Council of Credit Unions, Inc. (WOCCU) was created to help establish and maintain viable credit union movements. It has become the leading voice for advocacy and governance on behalf of the international credit union community. Today, over 235 million people are served by credit unions in 109 countries and 6 continents. Join us at any of our branches on Oct. 18 to celebrate ICU Day.