U$X Federal Credit Union®Conveniently Located To Serve You Better

1-888-219-3159www.usxfcu.org

Audio Response 1-800-590-0207

Spring 2014 Volume 24 Issue 1

Holiday Closings: All U$X Federal Credit Union Offices will be closed on the following dates in observance of the related holiday.

Memorial DayMonday, May 26, 2014

Independence Day Friday, July 4, 2014

Please contact your local branch office for other changes to normal operating hours.

Cranberry Main1293 Freedom Rd PO Box 1728Cranberry Twp PA 16066-0728

Fax: (724) 779-4656 Cranberry East

1694 Route 228 Ste 102 Cranberry Twp PA 16066-5324

Fax: (724) 772-0707 Jefferson

MOB Ste 109 575 Coal Valley Rd

Jefferson Hills PA 15025-3730 Fax: (412) 469-7176

Findlay Interstate Plaza

1038 Interstate Court Findlay OH 45840-1900

Fax: (419) 427-0125 Marathon

539 S Main St Rm 1024 Findlay OH 45840-3229

Fax: (419) 421-2339 New Stanton

100 Bair Blvd PO Box 657 New Stanton PA 15672-0657

Fax: (724) 925-3808 Sarver

479 N Pike Rd Sarver PA 16055-8635 Fax: (724) 352-5958

Pittsburgh Concourse Level 600 Grant St

Pittsburgh PA 15219-2702 Fax: (412) 433-4726

Administration and Legal Correspondence 1293 Freedom Rd PO Box 1728 Cranberry Twp PA 16066-0728

PRESIDENTS MESSAGEWhy I am optimistic about the next 75 yearsU$X Federal Credit Union is looking ahead to our next 75 years. As I survey the world around me, I stand amazed despite the cataclysmic changes which have transpired in technology, our world, and our society. It seems odd to me, that despite of all these changes, the challenges we face today are very similar to those we faced when we first started.

Here are a few current trends that have captured my attention:

• Government fiscal policies have held interest rates at extraordinarily low levels for the last 7 years.

• Financial regulations established by congress and delegated to bureaucrats for design and enforcement to curb the actions of a few large abusive financial providers. The “one size fits all” nature of these regulations has limited smaller financial institutions in their ability to tailor their services to the needs of the people and communities which they have long served.

• Technology threats like the one most recently disclosed regarding Target have impacted 40 million people, cost financial institutions billions of dollars and yet left retailers untouched because of protections granted them by congress in the Dodd Frank Act.

• The transformation of the Health Care Industry has impacted employers, people, communities, and health care workers in a negative way while producing few positive outcomes thus far.

None of these observations strike me as positive but they do have some common threads. There is a common belief that a centralized authority will make better decisions about how to take care of people than localized service providers are able to do. There is a common belief that people need to be taken care of, along with an implied belief that people are not smart enough to take care of themselves. There is a disposition in the direction of picking winners and losers with regard to using federal resources that seems to be more geared to political/philosophical outcomes than positive impacts on people and communities. Finally, if a decision results in a poor outcome rather than undoing it, we are inclined to do even more of the same in the hopes of a different outcome.

So you might ask, “Why are you optimistic?” I am optimistic because I believe people are good and want to do the right thing. I see these characteristics every day in the people I work with and in the people I help to change their financial futures. Some of us have forgotten that there are consequences to the decisions we make and the actions we take. There are many people who we help who never learned the questions to ask and the actions to take to manage their financial lives.

I am optimistic because U$X FCU is making a difference. We are teaching people to improve their credit, lower their monthly payments, get rid of high interest credit cards and avoid financial predators. If you want to do better with your finances, come see us. We can often help. If your finances are in order, then introduce us to your friends whose finances may need work. We would love to help them.

One last thought, in May 2014 (6th OH) (20th PA), you have the opportunity to make a decision which will have consequences. You can vote in the primary to send representatives to your governmental bodies who can give you the government you want (and deserve). Ask questions, will they give you liberty or will they give you mandates? Will they provide people with a hand up or a hand out? Choose wisely.

I look forward to serving you over the next 75 years, building brighter financial futures, one person at a time.

Best regards,

David R. AckermanPresident/CEO ANNIVERSARY

1938-2013

U$ X

FEDERAL CREDIT UN

ION

U$X FCU"Where Membership is a Rewarding Experience"

The Board of Directors and Staff would like to welcome the following

new companies, associations and their employees or members to U$X FCU:

Bruster’s Real Ice CreamLa Quinta Inn & Suites

Remember if your co-workers are not yet members of U$X FCU, you can get paid for introducing them to the

credit union. Ask our staff how.

Visit U$X Federal Credit Union the week of April 20-26 and help us celebrate National Credit Union Youth Week™.

U$X Federal Credit Union will show youth and teens how to catch the save wave at their credit union. Stop by our lobby for our: Youth Coloring Contest to win a $25 VISA gift card!

And remember, U$X Federal Credit Union membership is open to all members of your family.

Tips for CATCHING THE SAVINGS WAVE!Learning to save money takes practice. By saving, you can spend money on what’s important to you—whether that’s a new video game, a trip to the movies, a used car, or even a college education.

Let’s get started:

Elementary school: - Ask your parents to help you open your own savings account at the credit union. Keep track of how much money you put in and take out. That way you can see how close you are to meeting your savings goal.

- If you’re saving up for something special, like a new bike or toy, hang a picture of it on the wall. This will remind you of your savings goal every day until you reach it.

Middle school: - Ask your parents if you can plan a family event, like a trip to the zoo or an afternoon at a waterpark. List all the things that will cost money—like tickets, food, and souvenirs. Set a budget, and encourage everyone to stick to it when the big day arrives.

- Make a list of things you want to spend your money on. Put the list in order, starting with the things you want the most. This will help you figure out what you really want to save up for.

High school: - Consider taking on a part-time job. Earning your own money can help you save for big goals, like car or college expenses.

- Talk to your parents about opening a checking account at the credit union. Learn how to use a debit card responsibly and track transactions. Those skills will come in handy when you leave home.

Stop into U$X Federal Credit Union for more great ideas on how to sharpen your savings and money skills….PLUS get a bonus interest rate of 1.0% APY* on your first $500 of savings!*APY = Annual Percentage Yield. Rates and terms subject to change at any time. Restrictions may apply. See credit union for details.

Copyright 2013 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

WAKE UP!

Your

Dormant Accounts!U$X Federal Credit Union is required to report Unclaimed Property (escheat) to the Pennsylvania and Ohio Department of Revenue for accounts that have been “dormant” for the last five years. An account is considered dormant if there have been no withdrawals, deposits or transfers made during this period. The best way to be safe is to WAKE UP your account by making a deposit and watching your U$X FCU accounts grow. If you are unsure of the status of your account, please contact your local office by calling 1-888-219-3159.

A Great season for the U$X FCU Youth Basketball Team!!

U$X FCU board member, Jim Settelmaier was the coach for one of the Franklin Regional Athletic Association’s 3rd and 4th grade basketball teams for the 2013-14 season that included his son Josh. The U$X FCU sponsored team had an outstanding regular season and was the #1 seed going into the playoffs. Although the team’s effort was unmatched the team was outscored in the semi-finals. However, they finished the season as the team with the highest average number of scorers per game. Congratulations to Jim and the U$X FCU team on a great season!

ANNUAL MEETING REMINDER

We invite you to attend U$X FCU’s upcoming Annual Meeting.

This yearly event is your chance to hear about the credit union’s successes in the past year and the challenges facing it in the future. Many important decisions are made regarding your credit union at the Annual Meeting each year. And you can have a say in those decisions by attending and voicing your opinion. This opportunity only comes along once a year…don’t miss out on it!

New Time and Location!!!Date: Wednesday, April 16, 2014

Time: 6:30 PM

Place: Sheraton Four Points 910 Sheraton Dr. Mars, PA 16046

Cash prizes, a giveaway and light hors d'oeuvres will be served! We hope to see you there!

U$X FCU"Where Membership is a Rewarding Experience"

U$Xtra! Quiz Answer the following questions regarding U$X FCU® and win $25!

Name __________________________________________________________________________

Daytime telephone number ________________________________________________________

1. What is the “as low as” interest rate being offered with our current New Auto loan promotion? a. 2.99% APR b. 1.95% APR c. 3.95% APR

2. What is the theme of this year’s National Credit Union Youth Week? a. Mom, I need some money? b. Dad, buy me a car! c. I have no concept of the value of money and I have no idea how hard my parents work to make ends meet! d. Catch the $ave Wave

3. What is the “featured interest rate” for a U$X FCU Fixed Home Equity loan? a. 5 years as low as 2.70% APR b. 10 years as low as 3.40% APR c. 12 years as low as 3.70% APR d. 20 years as low as 3.95% APR 4. U$X FCU’s new redesigned website is scheduled to “go live” in? a. June 2014 b. July 2014 c. April 2014

5. When will the U$X FCU Annual Meeting be held? a. May 21, 2014 b. April 16, 2014 c. June 29, 2014

Answer all the questions correctly and send your entry to: U$X FCU, U$Xtra Quiz, 1293 Freedom Road, PO Box 1728, Cranberry Twp, PA 16066.All correct U$Xtra quiz entries must be received by April 30, 2014 and will be entered into a random drawing for a chance to win one of (6) six $25 prizes. If your entry is selected, you will be notified and $25 will be deposited into your Share Savings Account. Please do not include any personal banking materials (deposits, IRA withdrawals, loan payment, etc.) with your quiz entry.Employees or Volunteers of U$X FCU are not eligible.

Stop. Think. Connect. Cyber Tips from the Department of Homeland Security

No citizen, community or country is immune to cyber risk, but these are steps you can take to minimize your chances of an incident:

• Set strong passwords, change them regularly, and don’t share them with anyone.

• Keep your operating system, browser, and other critical software optimized by installing all updates.

• Maintain an open dialogue with your friends, family and colleagues about internet safety.

• Use privacy settings and limit the amount of personal information you post online.

• Be cautious about offers online – if it sounds too good to be true, it probably is.

You have the opportunity to join in cybersecurity awareness efforts across the country. If you, your family, or your organization are interested in more information about cybersecurity and ‘Stop. Think. Connect.’, please visit www.dhs.gov/stopthinkconnect

IMPORTANT NOTICE

For the past 5 years, we’ve made significant efforts to provide the members of the Homestead area with the exceptional service they deserve from their credit union. Unfortunately, due to many factors, we have not been able to provide service that meets our high standards. For these reasons, U$X FCU will be closing the Homestead Branch effective April 30, 2014. However, members have the ability to continue their banking relationship with U$X FCU at our nearby Jefferson Regional Medical Center location or any one of our other branch locations.

Don’t Let the Door Close on YOU! Don’t let the Door to your DREAMS close before you have the opportunity to take advantage of these historically LOW interest rates with

a Fixed Rate Home Equity or HELOC from U$X FCU! PLUS…NO CLOSING COSTS!!!!!*

Fixed Rate Home Equity

5 years . . . . . . . . . . 2 .70% APR*7 years . . . . . . . . . . 3 .20% APR*

10 years . . . . . . . . . 3 .40% APR*12 Years . . . 3 .70% APR*

15 Years . . . . . . . . . 3 .90% APR*20 Years . . . . . . . . . 3 .95% APR*

Home Equity Line of Credit 2 .0% APR*

Introductory Rate for 12 months!

Pay off high rate credit cards, purchase a new car, pay college tuition or remodel the kitchen, the choice is yours with these LOW once in a lifetime interest rates!

Call 1-888-219-3159 for details and to receive your Fixed Rate Home Equity or HELOC application TODAY!!*APR = Annual Percentage Rate. All interest rates shown are as of March 1, 2014 for first lien position and 80% maximum loan to value. Actual interest rate may vary based on credit worthiness. Introductory rate will be locked in for 12 months from loan closing date. The APR will be adjusted on the first day of the month following the 12 month introductory rate period. After the introductory period the interest rate will be an adjustable rate, adjusted on a calendar quarterly basis and is indexed to the Prime Rate as published in the WALL STREET JOURNAL (WSJ) 10 days before the date of any APR adjustment. To determine the APR that will apply to your account, we may apply a margin to the value of the index. Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.0%. Introductory interest rate is available subject to meeting certain credit underwriting criteria, acceptable appraisal and title search and applies to owner-occupied property in PA and OH. The promotional offer of No Closing Costs may change at any time. Borrower is responsible for all settlement costs which will range from $100 - $600 depending on location. Minimum Real Estate secured loan amount is $10,000 and does not apply to purchase money transactions. Please ask about other rates and terms available. This is a limited time offer. Programs, rates and conditions are subject to change at any time.

WEBSITE REDESIGNU$X FCU is currently in the process of a much needed redesigning of our website. The new site will have an exciting new look, updated design and enhanced navigation. We expect to be “live” with our new website in April 2014.

FEATUREDINTEREST

RATE

“Once A Member, Always A Member”

X X

APPLICANT’S SIGNATURE DATE OTHER SIGNATURE DATE

Verification of Income and employment is required*Income from alimony, child support or separate maintenance need not be revealed unless you wish such income to support a request for credit. In some instances the Credit Union may require your signature(s) to be notarized upon closing.

ANY FAX OF MY SIGNATURE MAY BE HELD EQUALLY ENFORCEABLE AS MY GENUINE SIGNATURE.

CALL ME! I want to take advantage of U$X FCU’s great loan rates! (Phone)_____________ The best time to call is __ weekday __ weekend ____AM ____PM

APPLICANT INFORMATION JOINT APPLICANT’S INFORMATIONFull Name Member No. Full Name Member No.

Address/City/State/Zip Date of Birth Address/City/State/Zip Date of Birth

Social Security Number Home Phone Social Security Number Home Phone

Employer Work Phone Employer Work Phone

Monthly Gross Income *Other Income Years Employed Monthly Gross Income *Other Income Years Employed

$ $ $ $

Monthly Mortgage or Rent Payment Amount $ Monthly Mortgage or Rent Payment Amount $

(circle one) (circle one)

If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter.You also promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or

extension of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA.

U$X Federal Credit Union® Loan Application

MAIL OR DROP OFF COMPLETED APPLICATION TO YOUR LOCAL BRANCH OFFICE OR FAX TO 724-779-4656.

Rates As Low As

1.95% APR* on NEW Vehicles for 72 Months (model years ‘14, ‘13 & ‘12)

4.75% APR* on USED Vehicles for 60 Months (model years ’11, ’10 & ’09)

Apply TODAY!! Online at www.usxfcu.org or call 1-888-219-3159

*APR = Annual Percentage Rate. Rates are subject to change without notice and are as of March 1, 2014. Promotional rates shown include all available discounts and a maximum term of up to 72 months for NEW vehicles and 60 months for USED vehicles with 80% or less loan to value of the vehicle. Other rates and terms are available. Rate given will be based on individual credit worthiness. All loans are subject to normal loan underwriting guidelines. Current U$X FCU loans excluded.

$weeter $avings in the Fast Lane!Don’t miss this chance to save on your New Vehicle Loan