Mutual Matters WINTER 2 019 Message from the Instant Issue Cards CEO Begins Soon! Welcome 2019! All of us here at Mutual Savings Credit Union is Mutual Savings Credit Union hope excited to announce that Instant everyone had a pleasant holiday Issue cards will be launching soon! season. Throughout the previous No longer will members have to wait year, your credit union has strived to to get a new debit card to arrive in offer great products and services that the mail. With Instant Issue, debit would benefit all of our members. cards will be generated with our new machines in the branch while you Over the last few months of 2018, rates have slowly gone up on wait. Instant Issue cards will be issued real estate and auto loans. We recommend you quickly secure a to new accounts or to members who great rate on your auto or mortgage loan at MSCU. This process have lost their card, or had their card is easy. Simply contact a call center representative or your local stolen or compromised. You’ll be able branch manager and they can generate the paperwork for you. to walk out of the branch with your card in-hand that day. Mutual Savings continues to offer our Visa® credit card program. The Visa Blue Our hope is to have this ready for Rewards card allows you to earn points every everyone to enjoy by the end of time you make a purchase. You can then redeem those points quarter one 2019. Keep a look out in the branches for information that for things like iTunes gift cards or other fun products. this service is available. We look forward to serving the great people of central . We are pleased with our results for 2018. We foresee great potential for the credit union throughout 2019 and will continue to strive to serve our community and members to the best of our ability. We look forward to working with you for Annual Meeting another successful year. Mark your calendar!

Sincerely, Mutual Savings Credit Union will host its Annual Meeting in April at the Corporate Office located at 2040 Valleydale Road, Birmingham, 35244.

Members will have the opportunity to hear a review of 2018 from executives. Members are what make credit unions unique from other financial Kendall Speed institutions. More details to come in the next newsletter. CEO/President

HOLIDAY CLOSINGS Find MSCU January 1, 2019 – New Year’s Day, closed all day Online: January 21, 2019 – Martin Luther King Jr. Day, closed all day February 18, 2019 – President’s Day, closed all day WINTER MSCU NEWSLETTER 2019 Locations & Hours

BIRMINGHAM 199 Bessemer Super Highway Birmingham, AL 35228 8:30 a.m. – 5:00 p.m. M–F Drive-up ATM available.

PELHAM 3596 Pelham Parkway Pelham, AL 35124 Great things 8:30 a.m. – 5:00 p.m. M–F

begin here. RIVERCHASE/HOOVER 2040 Valleydale Road Birmingham, AL 35244 8:30 a.m. – 5:00 p.m. M–F Closed daily: 1:00 – 2:00 p.m. Drive-up ATM available.

CLANTON 1501 7th Street South Clanton, AL 35046 8:30 a.m. – 5:00 p.m. M–F Drive-up ATM available.

SELMA 907 Medical Center Parkway Selma, AL 36701 8:30 a.m. – 5:00 p.m. M–F

ALEXANDER CITY 1030 Lee Street Alexander City, AL 35010 8:30 a.m. – 5:00 p.m. M–F Drive-up ATM available. We know you work hard for your money. We work hard to help your money grow. CALERA 136D Calera Marketplace Circle mutualsavings.org Calera, AL 35040 8:30 a.m. – 5:00 p.m. M–F

BIRMINGHAM - TARRANT 3000 Winewood Road Birmingham, AL 35215 8:30 a.m. – 5:00 p.m. M-F Birmingham Bulls Drive-up ATM available.

MSCU Night BROOKWOOD 16072 Highway 216 The Birmingham Bulls are kickin’ ice! Mutual Savings is proud to announce that we 8:30 a.m. – 5:00 p.m. M-F Brookwood, AL 35444 are an official sponsor and partner for the Bulls 2018-2019 season. We are excited to be Drive-up ATM available. able to support the area Southern Professional Hockey League and hope you’ll join in the fun by attending the Birmingham Bulls Mutual Savings Credit Union Night on February 23.

On Saturday, February 23, Mutual Savings Credit Union members and employees get $5.00 off the ticket price to the hockey match. Members and employees only have to identify themselves as a member or employee of the credit union.

The Bulls play at the Pelham Civic Center, located not far from the corporate office. When you attend, be sure to check out our CONTACT US dasher board (Mutual Savings Credit Union sign inside the rink.). MEMBER SERVICE CENTER Take pictures and post with the hashtag #MSCUandtheBulls or Birmingham Area (205) 682-1100 #BhamBullsandMSCU. 1-800-950-6728 Go Bulls! TELEPHONE BANKING 24 hours a day, 7 days a week Any loan rates quoted as Annual Percentage Rate are subject to change without notice. Birmingham Area (205) 682-1199 Services and rates described herein are periodically changed and/or deleted. Mutual Savings Credit Union’s participation with any enterprise is only an attempt to provide a 1-800-910-4804 service to its members and has no responsibility for transactions between said enterprise Copyright © MSCU 2019. and members. Full account disclosures available upon request. We are an Equal Housing All rights reserved. Opportunity Lender. mutualsavings.org