SPRING EDITION 2020

March 27, 2020

To our valued members, During these uncertain times, especially with so many things on your mind, we want to assure In This Issue: you that School Systems Federal Credit Union is here for you. COVID-19 has cancelled, postponed, and slowed down much of American life, but the nation’s financial system operations are still GET YOUR MAXIMUM REFUND strong. We are still strong. School Systems FCU is not going anywhere, because at its core, our Credit Union is not a building, or business, but a group of people unified by a common goal. AND SAVE WITH TURBOTAX 2 There are many things you might be worried about these days, but the safety of your money should not be one of them. Besides being a sound financial institution, deemed low risk and well capitalized by our examiners, your money is Federally insured by the National Credit Share $200 CASH FROM SPRINT Insurance Fund (NCUSIF), up to $250,000 per member. This fund is backed by the full faith and 3 credit of the United States of America. There is no risk to keeping your money safe in your account, but there are countless risks to holding excess cash. DID YOU KNOW? Over the years, we have been diligently upgrading the technology and services of the Credit THOUSANDS OF LOCATIONS Union, so you can now meet nearly all of your financial needs without leaving your home. If you are not utilizing our electronic banking options, now is a good time to sign up for online banking TO SERVE YOU at www.schoolfcu.com or visit the Apple App Store or Google Play store to download our mobile 4 banking app. You can check balances, transfer between your SSFCU accounts, pay bills, apply for loans, and more. You can even close many of our loans remotely these days! SPRING INTO ACTION For those of you already facing down financial distress, we want to reiterate our continued 3 commitment to helping our members through both the good times and the bad. If you find yourself in a difficult financial situation, please do not hesitate to reach out – we have a myriad of ways to help ease the stress of mounting bills in challenging times.

Now, more than ever, our staff is dedicated to supporting our members. Please continue to monitor the information coming from health professionals, local government officials and your local school districts. If you do truly need to visit one of our branches, please be aware that our lobbies are now closed, but we are keeping our Drive-Up and ATMs open.

We’re here for you if you need any additional assistance.

In addition to our electronic banking options, you can your funds at these locations: Troy Branch 518-286-1611 Drive-up, ATM and Night Drop available (lobby temporarily closed) – please call ahead for drive- up hours Albany Branch 518-456-1611 Drive-up, ATM and Night Drop available (lobby temporarily closed) – please call ahead for drive- up hours Over 30,000 CO-OP Surcharge-Free ATMs Visit www.schoolfcu.com for a locator to search by zip code

Sincerely,

Joseph Wiley, CEO 36355-NEWS-0320

DID YOU KNOW? IN ADDITION TO OUR TWO LOCAL BRANCHES, Calendar THERE ARE THOUSANDS OF WAYS TO ACCESS YOUR ACCOUNTS! May 25 - Memorial Day - Closed Virtual Branch / BillPay Your accounts at your fingertips - virtually 24/7. View account balances, view account history, Hours - Temporarily Drive-Up Only, make transfers, pay bills, view monthly or quarterly statements (when you’re enrolled for Lobbies are closed until further notice - estatements) and so much more! If you’re not already using this great service, simply visit please continue to follow our website our website at www.schoolfcu.com and click ENROLL under the Virtual Branch Login section. for any updates or changes as the School Systems FCU Mobile App situation progresses. Your credit union accounts on the go, wherever you are, with your mobile device. View Mon. - Thurs. 9:00am to 4:30pm account balances, make transfers, pay bills and more! Once you’re a Virtual Branch user, Friday 9:00am to 5:00pm you can download our app from the Apple App Store or Google Play Store. Saturday 9:00am to 1:00pm Night Drop Boxes If you’re unable to make it to a branch during regular hours, each of our branches have Contact Us secure night drop boxes where you an leave your deposit and we’ll complete your transaction 150 Defreest Drive • Troy, NY 12180 the next business day. Any night drop deposits received by 9am are posted the same day. (518) 286-1611 • fax (518) 286-2778

PAT (Your Personal Automated Teller) 325 Washington Ave. Ext. • Albany, NY 12205 Pat is available to check account balances, make transfers, request a check be mailed from (518) 456-1611 • fax (518) 456-4150 your account and more. Call either of our branch locations 518-456-1611 (Albany) or 518- 286-1611 (Troy) and select option 6. Email - [email protected] Website - www.schoolfcu.com CO-OP Shared Branch Network Whether you are across town, traveling or even moving, stay close to your credit union with over 5,200 CO-OP Shared Branches where you can perform your transactions and access PAT Dial either branch and choose option 6. account information. All you need is a valid, government-issued photo id and your member number. Visit our website and enter your zip code (or one you’re traveling to) for a listing of the nearest shared branch locations! There’s also a locator app available in the Apple App Capital Financial Planning LLC Store or Google Play Store. Seach for COOP ATM SHARED BRANCH LOCATOR. Bruce Gaynor (518) 867-4000 x126 https://www.school-systems.com/services/capital- CO-OP ATM Network financial-planning-llc Your ATM or cards are surcharge-free at nearly 30,000 ATM’s nationwide. Visit our website and enter your zip code (or one you’re traveling to) for a listing of the nearest ATMs. There’s also a locator app available in the Apple App Store or Google Play Store! Seach for COOP ATM SHARED BRANCH LOCATOR. OTHER E-SERVICES AVAILABLE TO MEMBERS AT WWW.SCHOOLFCU.COM - Apply for a loan - Apply for a mortgage - Estatements (enroll within Virtual Branch) - Reorder checks from MainStreet - View your SSFCU VISA transactions and statements - Order Foreign Currency for an upcoming trip - Visit our Everything Automotive page for car shopping made simple

36355-NEWS-0320