OCTOBER 2019 Newsletter

MEMBER CONNECTION “TOGETHER WE MAKE A DIFFERENCE.”

*ARR (Annual Percentage Rate). **.50% APR is off earned Annual Percentage Rate. All loan rates subject to change without notice. All loans subject to credit approval. Certain restrictions may apply. Effective 10-01-2019 through 10-31-2019. Loan Special based on existing rate and term. Lowest possible rate 3.29% APR. Does not qualify for any additional reductions. Promotional rates apply to new monies only. Gift card will be given at the loan closing 10-01-2019 through 10-31-2019. Membership is required. Federally Insured By National Credit Union Association.

HOLIDAY LOAN SPECIAL HOLIDAY SKIP-A-PAY November 1st through December 31st, 2019 November 1st through December 31st, 2019 1.00% APR* Off Your Qualifying Rate Rates As Low As 7.50% APR* Maximum Term 60 Months Borrow Up To Your Personal Limit 2.00% APR* Off Your Qualifying Rate Rates As Low As 6.50% APR* Maximum Term 12 Months Borrow Up To Your Personal Limit Chance To Win A $100.00 VISA Gift Card *APR= Annual Percentage Rate. Must be a member in good standing in order to qualify for this offer. Effective 11-01-2019 through 12-31-2019. All rates and limits based on creditworthiness. Must meet lending criteria. Lowest possible rate 6.50% APR*. Does not qualify for any additional rate reductions. Maximum term 60 months. Estimated monthly payment on $1000.00 at 6.50% APR for 12 months is $86.30. Estimated monthly payment per $1000.00 at 7.50% APR for 60 months is $20.04. Completed Personal Loans 11-01-2019 through 12-31-2019 will automatically be entered to Skip your November or December loan payment with our Skip-A-Pay win a $100.00 VISA Gift Card. Rates, terms, and conditions are subject to Program. $25.00 processing fee. Visit: www.americofcu.com/borrow/skip-a- change without notice. Membership eligibility required. Certain restrictions pay or call (814) 899-6608 for more information. Federally Insured By The apply. Call the loan department (814-899-6608) for more information about Personal Loans and all your lending needs. Federal Insured By NCUA. NCUA. CELEBRATING

OUR SIXTIETH TIMELINE AMERICO Federal Credit Union is more than just a financial establishment. After SIXTY YEARS, our dedicated Board of Directors and office staff have not lost sight of what is really important – our members are our #1 priority. Here’s how we’ve been giving back to you and the community: JANUARY JUNE • Launch - Redesigned Newsletter • Special - Second Mortgage & Home Equity • Special - Personal Loan • Collection - Mental Health Association of NW PA • Collection - Erie United Methodist Alliance • Kindness - Homeless Meal Donation • Volunteer - Second Harvest Food Bank • Volunteer - Erie Food Truck Festival • Surprise - Rainbow Connection Donation • Surprise - Wesley Summer Lunch Bunch - Sponsorship FEBRUARY JULY • Special - Second Mortgage & Home Equity • Special - Vehicle Loan & Skip-A-Pay • Donation - American Heart Association • Collection - School Supplies: Iroquois and Millcreek School Dist. • Kindness - Twinbrook Rehabilitation - Valentine’s • Donation - Asbury Woods Nature Center • Volunteer - Brevillier Village Bowling With Seniors • Volunteer - Lawrence Park 4th of July Parade • Surprise - Iroquois Elementary Donation • Surprise - Pay It Forward - Ice Cream Donation MARCH AUGUST • Special - March Mastercard Madness • Special - Back-To-School Personal Loan • Donation - Muscular Dystrophy Association • Donation - Erie Gives - Emma’s Footprints • Volunteer - Iroquois Elementary School • Kindness - Luther Jones Family Fund Contribution • Kindness - Team Keagan Bowling For Autism • Surprise - Community Street Dance • Surprise - Community Shelter Services Donation • Collection - Iroquois Jr./Sr. High School September 11th Day Of APRIL Service Cleaning Supplies • Special - Indirect Loan SEPTEMBER • Donation - Earth Day Tree Dedication • Special - Vehicle Refinance • Kindness - National One Cent Day Penny Fact Cards • Donation - Miracle Jeans Day • Surprise - SafeNet Easter Basket Donation • Volunteer - Second Harvest Food Bank • Collection - Hightmark Walk For A Healthy Community - • Surprise - National Coffee Day EUMA • Kindness - National Food Bank Day - Wesleyville Interfaith MAY Food Pantry & Ella Cochran’s Food Pantry • Special - Personal Loan • Donation - Teacher Appreciation Baskets • Kindness - Red Nose Day • Volunteer - Iroquois Spring Clean Up • Surprise - Armed Forces Day - Pennsylvania Soldiers’ and Sailors’ Home INTERNATIONAL CREDIT UNION DAY International Credit Union (ICU) Day® celebrates the spirit of the global credit union movement. The day is recognized to reflect upon the credit union movement’s history, promote its achievements, recognize the hard work, and share member experiences. International Credit Union (ICU) Day® has been celebrated on the third Thursday of October since 1948. The ultimate goal is to raise awareness about the tremendous work that credit unions and other financial cooperatives are doing around the world and give members the opportunity to get more engaged.

Join us on October 17th, 2019, for cookies in celebration of International Credit Union Day 2019!

HEADING SOUTH FOR THE WINTER? Just a reminder that if you will temporarily be away from your home but want to receive your credit union mail at an alternate address, you must notify us in writing. Simply stop by the credit union, mail or fax your information to us. Include your alternate address, the date you will be leaving and the date you will return, as well as a good contact number. Be sure to notify us when you return home so we can change your account back to your permanent address.

CHRISTMAS SAVINGS AVAILABLE If you have a Christmas Club with us, your funds were transferred to your regular savings account on September 30th. A Christmas Club is an easy way to save for the holidays and avoid the stress of next year’s holiday bills. Deposits can be made anytime, in any amount, or you can have money deducted automatically from your paycheck. Why not open an account today! CARDS FOR THE TROOPS During the Holiday season and all year round, AMERICO Federal Credit Union salutes the troops and their families for their service. Stop by either location to fill out a card to brighten their Holidays. Help us send Holiday wishes to the troops

SOCKTOBER - Help People Get Back On Their Feet! Donate a pack of new socks at either of our branches October 1st through October 31st, 2019, and help us warm the feet of those in need. Local shelters state that socks are the most needed clothing item and the item that is donated the least!

LOCATIONS IMPORTANT INFORMATION EAST OFFICE WEST OFFICE Routing Number: 243380833 4101 MAIN ST. 2545 WEST 23RD ST. Website: www.americofcu.com ERIE, PA 16511 ERIE, PA 16506 Facebook: www.facebook.com/americofcu PH: (814) 899-6608 PH: (814) 833-0433 Telephone Teller: 1-800-732-7906 FAX: (814) 899-6005 FAX: (814) 833-7299 Mastercard Debit Card (lost/stolen): 1-800-472-3272 Mastercard Credit Card (lost/stolen): 1-866-604-0381

HOURS (LOBBY & DRIVE-THRU) DIVIDENDS ON SHARE ACCOUNTS ARE BASED ON Monday 8:30-5:00 AVAILABLE EARNINGS AND CANNOT BE GUARANTEED. Tuesday 8:30-5:00 Wednesday 8:30-5:00 Thursday 8:30-5:00 BOARD OF DIRECTORS Friday 8:30-6:00 Eunice Dovey Chairperson Rose Kuhn Vice Chairperson Mary Sceiford Secretary HOLIDAYS Tom Laska Treasurer Columbus Day (October 14th) - Closed Christine Bennett Director International Credit Union Day (October 17th) Linda Best Director Veteran’s Day (November 11th) - Closed Carol George Director Day Before Thanksgiving (November 27th) - Close at 5:00 P.M. Betty Schubert Director Thanksgiving Day (November 28th) - Closed Gail Warren Director Thanksgiving Friday (November 29th) - Closed Christmas Eve (December 24th) - Closed Christmas Day (December 25th) - Closed New Year’s Eve (December 31st) - Close at Noon New Year’s Day (January 1st, 2020) - Closed