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PostScripts SUMMFALLER ® 20132015

2 Private Student Consolidation | 3 Switch To USPS Checking | 4 Pass Along Our Benefits

New And Improved! Effective November 1

We are excited to announce the rollout of There Are Four Ways To Qualify Program Rewards our new Relationship Rewards Program. The program replaces our current Relationship 1 Use the following services: ★ 1% Rate Discount on Vehicle and Rewards and Free Access to Cash (FAC) • Direct Deposit of $1,500 or more Signature programs. Our new program is simpler to per month ★ Bonus Dividends on Share understand and easier for most to qualify. • Checking Account w/ Savings, IRAs, Checking The new changes will go into effect on • Virtual Branch Home Banking Accounts and Money Market November 1, 2015. 2 Have loan balances totaling Savings Accounts As you’ll see from the program chart, it’s easy $25,000 or more ★ $1,000 Closing Cost Credit on to qualify for Relationship Rewards. In fact, you Home Equity Loans 3 Have deposit balances totaling may already be eligible for the rewards, and $25,000 or more ★ $500 Closing Cost Credit on there is no sign-up required. First Mortgage Loans 4 Have a First Mortgage Loan with Be sure to take full advantage of all the ★ Free Shared Branch Transactions CUMA ( Mortgage rewards that are available to you. To find out Association) ★ No Foreign ATM Fees more, contact one of our Member Service Representatives today. Both you and your wallet will be smiling in no time. Call us today at 1-800-USPS FCU or email us at [email protected].

You Won’t Believe Your Eyes – Or Your Wallet! Now when you open one of our VISA® credit cards, you’ll receive VISA® Platinum and Platinum 1.99% APR for the first 12 months – on EVERYTHING from Rewards Credit Cards purchases to balance transfers to cash advances! After the 12-month introductory period, enjoy a rate as low as 7.99% APR for Platinum % cardholders or 8.90% APR for Platinum Rewards. All of this adds up 1.99APR* to savings you have to see to believe – so apply now! Introductory APR on Purchases, Balance Transfers and Cash Advances** for one year, Apply Online For Fast Results as low as 7.99% APR thereafter Visit www.uspsfcu.org or call 800-877-7328 to get your 1.99% introductory rate today! In addition to this un-BELIEVABLE introductory offer, our new cards *APR=Annual Percentage Rate. 1.99% introductory rate valid on purchases, balance feature EMV chip technology, the new wave of security transfers and cash advances made on new Platinum and Platinum Rewards or Secured Visa credit cards. Thereafter, your Introductory annual percentage rate of 1.99% will revert and fraud protection. No personal information about your account to your approved annual percentage rate after 12 months from account opening. **2% is stored on the chip card, so your wallet is protected from fraud! Balance Transfer and Cash Advance fees apply per transaction ($10 min., no max.)

The Quarterly Newsletter For Members Of U. S. Postal Service Federal Credit Union USPS FCU Is Proud To Offer Private Student Loan Consolidation

As recent graduates take to the workforce, Election 2016 many families are burdened with the During the October regular ever-increasing cost of college in the form meeting of the Board of Directors, of private student loans. USPS FCU now a Nominating Committee will be has a solution to help you consolidate all appointed to nominate at least your private student loans at your Credit one member for each of the three Union with a Student Choice Private two-year term vacancies that will Consolidation Loan. become available on the Board next Featuring a low, variable interest rate, June. Nominations must be received zero origination fees, and 15-year no later than December 11, 2015. repayment period, a consolidation loan The slate of nominations for the from your Credit Union can help you vacant positions will be announced combine multiple private student loans in the 2016 Winter PostScripts. into one convenient payment, potentially Nominations saving you thousands of dollars in interest! Eligible members interested in Simplify Your Finances. Amplify Your Funds! serving as a U. S. Postal Service With a Student Choice Private Consolidation Loan you will eliminate the hassle of multiple Federal Credit Union director private student loan payments and likely reduce your interest rate. You can: may call Betty Myers at 1-800- • Consolidate up to $75,000 in private student loans* 877-7328, x1316 to request a Nominee Application Package with • Choose a graduated repayment option to enjoy lower initial monthly payments instructions for consideration by the • Receive a 0.25% rate discount for automatic electronic payment Nominating Committee. Members Through the delivery of private consolidation loans to college may also be nominated by a graduates, USPS FCU is continuing to redefine value in petition submitted to the Secretary education finance while providing much needed solutions and signed by one percent (218 to our membership. members) of the Credit Union’s membership, along with a statement Millions of students and families have been forced to of qualifications, biographical data, take on private student loans to achieve their dreams of and a signed certificate stating you higher education. As these college graduates manage are agreeable to the nomination repayment on multiple loans, we’re confident that and will serve if elected to office. In USPS FCU can not only simplify their budgets, but in the event there are more nominees many cases, provide better economic value. than vacancies, an election will be For more information about rates, terms and other conducted by ballot. The results of details of USPS FCU’s Student Choice Private the election will be announced Consolidation Loan, please visit at the USPS FCU annual www.uspsfcu.studentchoice.org. meeting in the summer of 2016. *The amount of your consolidation loan will be based on existing loan balances as indicated by statements that you will need to provide as part of the loan application process. Switching To USPS FCU Checking Is Easier Than Pie If you think it’s a hassle to switch from your high-fee And You’ll checking, think how much more you’re paying in extra fees Now E every month. USPS FCU’s checking account is a better, arn A more affordable option, offering Relationship Rewards for $125* Club Account With using our products and services. Plus, we’re making it even Just To easier to switch with our hassle-free Switch Kit! Switch Payroll Deduction Make The Switch Today! Makes Holiday Saving Easy Our easy online Switch Kit enables you to type your information just once With a Christmas Club Account, you can put and instantly generate all the necessary forms to make switching a snap. away as little as $50.00 per month through Find our Switch Kit at www.uspsfcu.org or contact a Personal Service Payroll Deduction, and build up to $600.00 plus Representative today for help in making the switch. interest in time for next year’s holiday spending. When you switch, we’ll give you a $125 bonus! Choose a higher amount and save even more. It’s a stress-free way to save for the season. Holiday Club Account Funds Disburse October 15, 2015 Look for the funds to be deposited into your account. Open Your Christmas Club Account Today!

*To be eligible for bonus, you must have a checking account with a $1,500 aggregate monthly minimum direct See our website for current dividend rates paid deposit. Bonus will be posted to your within 30 days of your direct deposit. Bonus cannot be on our club accounts. Call (800) 877-7328 combined with other offers. Existing Member: Must be 18 years of age, in good standing, and not have caused a loss to the Credit Union to receive the bonus. Credit Union employees, officials, committee members, and to open your account today or complete our members of their immediate families are not eligible for the bonus. USPS FCU reserves the right to withdraw or change this offer at any time. Offer valid from October 1 through December 31, 2015. online form and send it in.

This Fall, Think Home Buying Options From USPS FCU Fall is a great time of year for serious home buyers to find real estate listings by motivated sellers. Whether you’re a first time home buyer, USPS FCU Is Your Complete Mortgage Resource have outgrown your current home, or need • Our Mortgage Officers are committed to looking after to downsize, use this time of year to take Ask your best . advantage of “off season” bargains, with How Y Can R ou • Members have access to a full line of mortgage less competition from other buyers. eceive A products/programs* to meet each member’s needs. $ Don’t wait! Learn more and apply • Save time and money using Home Advantage, our for a mortgage today by visiting 500 online tool that allows you to research neighborhoods, Credit A determine the value of your current home, select a real www.uspsfcu.org, call t C estate agent and more. To get started, visit (703) 425-8319, or stop by a branch. losing www.mycuhomeadvantage.com. • $500 at closing for members in our Relationship Rewards program on First Mortgage Loans. • Refinancing options available • Fixed-Rate Second Mortgages and Home Equity Lines of Credit are available, too!

*1st Mortgage Loans available in all 50 States (only). Not all programs available in all States. Administrative Office 7905 Malcolm Road, Suite 311 Clinton, MD 20735-1730 Office Hours: M-F 8:30 a.m. – 2:30 p.m. Phone and Telephone Teller: EARN (800) 877-7328 (toll-free) $ (301) 856-5000 (D.C. metro) 25 Call Center Hours: PER REFERRAL M-F 8:00 a.m. – 7:30 p.m. (ET) 24/7 Lending Service Center: (800) 877-7328 (toll-free)

www.uspsfcu.org Pass Along Our Benefits NMLS ID: 501858

When you become a member at USPS FCU, your family and co-workers can also Rate Information become members. Let them know about all the great benefits of Credit Union membership Please contact the Credit Union for and they will benefit from the same low loan rates and fees, convenient, friendly services, current rates or visit our website at www.uspsfcu.org. Rates are subject and higher savings rates you currently receive. Be sure to mention our $125 bonus offer to change without notice. for switching (see page 3). Help improve the financial lives of your family and co-workers by encouraging them to become members of USPS FCU. If you do and they join, you will get $25 per referral.* Visit www.uspsfcu.org to print your referral coupons and for complete details. Referral Bonus offer valid October 1 through December 31, 2015.

*Excludes youth accounts and new members under age 18. See exclusive offer below.

We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. It is illegal We Will Help You to discriminate against any person because of race, Save For Their Future color, religion, sex, or national origin. 15-00567 10/15 Marketing Partners 888.641.1215 It’s important to start saving for your child or grandchild’s future as soon as possible. To help you save, from October 1 through December 31, 2015, when you invest $25 or more into a new Youth Savings Account (for those under 18) with a Young bulletin board Savers Certificate that earns 3% APY* for 3 years on balances up to $3,000, we’ll help you increase your initial investment by depositing an additional $25.** Holiday Closings You can set up an allotment or add funds to the certificate at any time until it matures. It’s Columbus Day – our way of showing how to teach children about the importance of savings so they can Monday, October 12 have a healthy financial future. Veterans Day – Our youth accounts have three financial clubs Wednesday, November 11 with their own websites – Dollar Dog® for our Thanksgiving Day – youngest savers, cha-ching!® for teens, and Thursday, November 26 the edge® for young adults – to provide them with fun ways to learn about finances. – Closing at 12:00 p.m. Open A Youth Account Today! Thursday, December 24 To find out more about youth accounts, visit Christmas Day – www.uspsfcu.org or call (800) 877-7328. Friday, December 25 *APY=Annual Percentage Yield. **$25 minimum deposit required on a new Youth Savings Account to qualify for the bonus. $25 New Year’s Eve – deposit will be credited to the Young Savers Certificate upon Closing at 12:00 p.m. opening certificate. Not to be combined with other offers. Subject to change at anytime without notice. Contact Credit Union for details. Thursday, December 31 New Year’s Day – Friday, January 1

Visit Us Online at www.USPSFCU.org