AUGUST 2020

at www.towncountrycu.com | 877-455-3015

Warranties That Will Beat the Dealership Town & Country Protect your family’s fi nancial future. Protect your investments. We make it easy to plan for the unexpected. Debt protection is available for just pennies a day. For your convenience, Vehicle Loan and warranty payments can be included in your loan payments. Whether your high-mileage ride isn’t so reliable or you When getting your auto loan with us, our Loan Experts can help simply want something different, we can help get you the you chose which options work best for you. ride you want. With Town & Country, you will receive the Mechanical Breakdown Protection (MBP) best fi nancing available that offers you a wide-range of low Mechanical Breakdown Protection, also known as an Extended interest rate loans. Yeah buddy! Warranty, is automobile protection that extends beyond the Before you head to the dealership, talk to our team who manufacturer’s factory warranty and covers repairs of unexpected can help you establish a budget and get you pre-approved, mechanical breakdowns. For the period of time the contract is in giving you the confi dence to be “the negotiator.” effect, you are assured that covered components of your vehicle Limited Time Offer: Auto Loans – No payment for 45 days will be repaired in the event of failure, including labor, subject to on all auto loan terms. Interest rates as low as 4.24% APR*on 60-month terms only. *APR = Annual Percentage Rate. Rate based any applicable . on approved credit. Current rate as low as 4.24% APR for 60 Features and Benefi ts: months on 2018 or newer vehicle, includes automatic payment rate • Nationwide Protection discount. Rate subject to change. Limited time offer. • 24-Hour Roadside Assistance for the term of your coverage • Rental Vehicle Assistance • Transferable Coverage if you sell your vehicle before your agreement expires New or Used Cars Guaranteed Asset Protection (GAP) With options The GAP Advantage gives you further peace of mind. If the to fi nance your vehicle you are now purchasing ever becomes “totaled,” or is car or truck up to stolen and not recovered, GAP Advantage pays an additional 84 months, we $1,000.00 toward the purchase of a replacement vehicle. Not only help you fi nd the will you receive the difference between the value of your vehicle payment option and its unpaid loan or lease balance, you also get a head start on that makes the fi nancing or leasing a new or used replacement vehicle when you most sense for refi nance or lease through the same fi nancial institution. you. Debt Protection If you own your We’ve designed our Debt Protection program to fi t the times we car outright, you live in today. More than ever, we all worry about things that might can use it as collateral and get the cash you need quickly for happen tomorrow. Debt Protection provides an important sense of consolidation, bills or vacation. fi nancial security – knowing your loan will not become a burden to Vehicle Refi nancing you in times of hardship. Already have the vehicle of your dreams and just want a Features and Benefi ts: lower interest rate? Refi nance your current vehicle with us. • Disability coverage protects a borrower’s credit rating by You know you want to! ensuring the loan will not end up in default in the event of disability. Boats, Motor Homes, Travel Trailers, Recreational • Protects borrowers and their families from fi nancial hardships Vehicles as a result of loss of income caused by death, illness or injury. With Town & Country, you can borrow smart and start your • Allows borrowers and families to retain their assets, including adventure with a new RV, motorhome, 4-wheeler, UTV, jet ski the collateral and savings, when an income is interrupted during or boat. On the Pontoon… unfortunate circumstances. Motorcycles • No Obligation for 30 Days: If the borrower decides the plan Choose your path in a new or used chopper, cruiser or is not what they need, they can cancel it within 30 days without sports bike and get competitive rates and terms that fi t your obligation. Rarely does this occur, but borrowers appreciate lifestyle. knowing that they have that option.

1414 Chatburn Ave., Harlan, IA 51537 • 712-755-3881 102 N. Elm Street, Avoca, IA 51521 • 712-307-6881 www.towncountrycu.com • 877-455-3015 Car Insurance members may qualify for special dis- counts on car insurance. Find out how much you could save if you switch. Combine Did You Know? your coverage with another Town & Country o ers insurance for your car, motorcycle, RV, boat, car or home policy, and you and o -road vehicles through TruStage Insurance? Make it easy and could save even more. have everything you need in one place. Stronger Together – Learn how we’re helping our customers address challenges. Homeowners Insurance Homeowners insurance helps protect your home-- SAVE $586 ON CAR INSURANCE* and what’s inside--against How much could you save on car and through the loss from  re, theft and TruStage Auto & Home Insurance Program? more. Credit union members Call 1-855-274-9442 to  nd out. may qualify for potential dis- Get a Liberty Mutual auto insurance counts. estimate and purchase coverage in three quick steps: Condo • Using information you provide in the form below, we’ll access public records and consumer reports to expedite Insurance the quoting process Condo insurance can start where your association’s coverage ends. • We’ll provide an auto insurance estimate for a couple of our most Help protect your unit--and what’s inside--against loss from  re, theft popular insurance packages and more. Credit union members may qualify for potential discounts. • If you’d like to learn more about coverage or complete your purchase, call one of our licensed representatives at 1-844-208-4688. Renters Insurance Liberty Mutual Insurance - Information Disclosure Renters insurance o ers What We Do: low cost protection for the • Access consumer credit report information to help determine your possession you’ve worked price. This includes claims history, driving records, and credit-based hard for. And it can help pro- insurance scores where permitted by law. tect you from liability if an • Access your credit-based insurance score. This score uses accident happens. Credit un- information from your credit report to predict how often you’re likely ion members may qualify for to  le claims, and how expensive those claims will be. potential discounts. • Potentially submit your information to an authorized third party. This allows us to pre- ll your vehicle, household driver, and prior You could save a bundle insurance coverage details. You can choose to allow this when you on insurance from top-rated companies. Call a licensed agent or complete the quote process. get a quote online. 1-855-274-9442. Monday-Friday:7am-9pm What We Don’t Do: CST Saturday:8am-4pm CST • Impact your credit rating in any way when we access your credit- based insurance score. • Resell or redistribute your Social Security Number or credit-based TruStage Our Mission insurance score. For more than 80 years, the people and companies behind TruStage Discount for credit union members. The TruStage Auto & Home have strived to carry on the vision of our founders: O er straightfor- Program gives you access to instant quotes and a potential discount. ward insurance backed by a strong company, while making it easy to And you could save even more if you combine policies. a ord. Get free quotes from a licensed agent. A licensed agent is ready Along the way, we’ve earned a reputation for excellence. We proud- to help you  nd the right insurance. Just friendly, helpful advice with ly o er products from CMFG Company—a company no sales pressure. that’s rated “A” Excellent by A.M. Best,* year after year. It can be easy to switch. Get help changing companies so you Today, we’ve earned the trust of more than 20 million people—and don’t go a day without coverage or lose a penny—even if your current thousands of credit unions that make TruStage Insurance available policy is paid up. to their members. And today, just like credit unions are available to everyone, so is TruStage. Helping families get the most value out of their  nancial services is at the heart of everything we do. CONTACT TCCU TO ENROLL IN ONLINE BANKING. VISIT OUR WEBSITE TODAY! Vision Town & Country Credit Card To provide fi nancially em- With so many benefi ts, you’ll love reading the fi ne print powering, enhancing, edu- of the Town & Country MasterCard Credit Card! Get the cational and exciting expe- freedom to cover unexpected expenses riences to every member, Enjoy payment convenience through our mobile app, secure chip technology, mobile wallet compatibility. every time. No Annual Fee • No Balance Transfer Fee... Values • No Ridiculously High Rates - Rates as low as 9.90% APR* • We Believe In…Em- • Brella - Control your card and monitor transactions. powering members’ fi nan- cial decisions • We Believe In…En- Brella App hancing members’ fi nancial Brella is an app that allows you to keep an eye on your Town & Country MasterCard Credit and Debit Card lives with your smartphone. You can turn your card “off ” if you misplace it and turn it back “on” if you realized your card was in your coat pocket the whole time. • We Believe In…Educat- You can also set spending limits for yourself or your children, get alerts anytime your card is used, and more. ing our members fi nancially • We Believe In…Exciting Lost or Stolen MasterCard Debit Cards members’ fi nancial experi- If your debit card has been lost or stolen and it is during business hours please call us at: 1-800-383-8000 ence or call the credit union, 712-235-5555. If calling outside of regular business hours please call card services at: 1-800-383-8000 MasterCard®. Member Services Share Savings and Share Draft Checking Accounts Free Check Imaging Holiday Club Accounts Certifi cates of Deposit We Partner Kirby Kids Club Teen Club Bill Pay for Life Voice Response Wherever life takes you, Reloadable Debit Cards we’re there to help — with 24-Hour ATM the advice, products, servic- Vehicle Loans Home Equity Loans es and personalized atten- Mortgage Loans tion you need at every turn. Personal Loans Business Loans Lines of Credit Visa Gift Card 9.9% APR MasterCard Your Credit Score Has Improved Debit Cards Let’s say you bought the car 18 months ago when your credit score was 600. But Direct Deposit Photocopy Services since then you’ve paid off a credit card and made all other payments in a timely man- Phone Transfers ner. Now your score is now above 720. It can take months for your credit score to Payroll Services refl ect positive changes. But once it does, there’s a good chance you’re eligible for a On-Line Services Free Internet Banking lower interest rate. So, if you refi nance, not only will you be refi nancing for a smaller Free Notary loan—since you’ve been paying for 18 months—but you might save a lot of money in Drive-up Services the long run with a better rate. Wire Services Fax Services Use an auto loan calculator to see what you will pay in total if you keep the loan Night Depositories with your current rate versus refi nancing what you now owe at a lower rate. You might Credit Life and Disability Ins. be able to pay the car off faster, too, which would lead to even more savings! Gap Insurance Draft Images Auto Insurance Home Owners Insurance You Have A Chunk of Money Accident Insurance to Pay the Balance Down Maybe you got a tax refund, a gift from a relative, or a bonus. In any case, if you Variable Annuities Fixed Annuities decide to put it toward reducing your auto loan, you might want to also refi nance. Loan-term Care Insurance By using that chunk of money as a down payment, you could reduce the amount you Variable owe, potentially qualify for a lower interest rate, and thereby reduce your monthly Mutual Funds Folio Investing (50 Stocks) payments. Or you could shorten the time to pay on the loan. Either way, you reduce 529 College Savings Plan your fi nal payoff amount and save money on interest. Share or CD Secured Loan Online Banking Have a savings balance or a certifi cate of deposit that you would rather not touch? Sweet - instant collateral! Town & Country Credit Union makes managing your Use it to secure a loan for you or a family member. money easier and more convenient with our online banking. Access your account any time from your computer or mobile device. Credit Builder Loan View a summary of all your accounts, make transfers, At Town & Country we know we all have to start and see your monthly spending and saving patterns all somewhere, which is why we offer a Credit Builder Loan. from one homepage. Enjoy several convenient features Establish or build up your credit with a $500 Credit and tools to help you manage your money. Builder Loan, which helps to improve your credit score, and can help you get better interest rates on future loans. Do you need help building your credit score? We have Free, safe, and secure for Town & Country Certifi ed Financial Coaches that are here to help. members Town & Country’s online banking offers many convenient features, including: Personal/Signature Loan • Check balances and transfer money This is an unsecured, fi xed rate loan with a set repayment • Access E-statements, alerts and letters period and is perfect if you don’t have collateral. • Pay bills and send money • Access Visa Credit Card information • Send money to other members instantly • Update contact information • Manage text banking for balances and transfers Individual • Sign up for alerts through email and text • Track savings and spending with Money Management Retirement • View images of cleared checks Online Banking: Bill Pay Accounts (IRAs) Pay one-time or recurring bills from your desktop, laptop or anywhere else you have an internet connection. Whether you have a short-term savings goal, or • Free, highly secure service for Town & Country want the fl exibility of a higher yield long-term saving members opportunity, we have several types of Individual • Pay bills anytime, anywhere with internet access Retirement Accounts (IRAs) Money Market products • Pay all bills through one screen to suit your individual needs. For all IRA Money • Conveniently pay bills from a smart phone Market products, you may opt to make your deposits • Make one-time or recurring payments via direct deposit, by cash or by check. Certifi cate • Schedule payments in advance account terms range from 3 to 60-months. IRA • Reduce postage stamps and paper waste accounts may not be opened online. We’re proud of our longstanding history If you’re just starting your retirement savings, an in Iowa. IRA Money Market product is a fantastic fi rst step! By Town & Country Credit Union is a member-owned, utilizing direct deposit, you can start saving for your not-for-profi t fi nancial . We are committed to retirement automatically by having your employer building solid, long-term relationships with our members, submit a portion of your earnings to your IRA. and we’re here to help you save and plan for tomorrow. We suggest you consult your accountant or fi nancial By putting our members fi rst and keeping deposits advisor for additional details. With all certifi cate here in Iowa, Town & Country remains fi nancially strong accounts, there is a penalty for early withdrawal. and secure as we continue to grow. We understand the Certain products and rates are not available for dreams and goals you have for your family. We share public funds accounts, fi nancial institutions or other those same dreams, and we’re committed to helping you institutional investors. reach them by providing an unmatched level of fi nancial value and superior service.

Harlan Hours: 2020 Holiday Closings 7:30 A.M. – 5 P.M. Monday, Tuesday, Thursday, Friday; TCCU will observe and be closed on the following holidays. 9 A.M. – 5 P.M. Wednesday; 8:30 A.M. – 12 P.M. Saturday Labor Day - Monday, September 7 Columbus Day - Monday, October 12 Avoca Hours: 9:00 a.m. – 4 p.m. Monday-Friday