See back for new standardized hours • Bryan Rd. branch to be full-service soon Let Us Cover Your Overdrafts with Courtesy Pay With Courtesy Pay, you can avoid the cover on your behalf. hassle of a declined transaction due to Enrolling in Courtesy Pay insufficient funds. This service to our members covers checks, overdrafts Opting into Courtesy Pay is easy. from ACH, electronic items and every- Simply complete and submit our day debit card transactions (including shoonline enrollment form or stop by Point of Sale transactions) that would any branch if you would rather do it in not have otherwise cleared. person.

Courtesy Pay is available on all per- If you choose to opt-out of Courtesy sonal checking accounts in good Pay in the future, simply resubmit the standing. Alliance can cover all online form or stop by any branch. overdrafts up to $700 depending upon your qualifying criteria. A confirmation If you have any questions about how letter will be mailed to you notifying Courtesy Pay works, please call us at you of your coverage limit after you 636-343-7005, ext. 2000 or chat with opt-in. You will be charged a $26 fee us through our website during busi- for each overdraft transaction that we ness hours. What Affects Your Credit Score & How Alliance Can Help... The last time you worried about any your credit score the most along with will not include a credit score, but kind of score may have been when the corresponding credit ranges. you will be able to see your payment you were in school; however, your Key Credit Score Information: record with creditors and have the op- credit score may be more important portunity to correct any wrong infor- than any test you ever took. Your credit mation. You can receive your credit score is important since it determines score with your report for a nominal if you qualify for a loan or credit card fee. A good credit score and overall and it determines what your interest credit history will qualify you for pur- rate and credit limit will be. For in- chasing a new car or home and save stance, you may pay a higher interest you money in the long run! rate on the same purchase than some- Need help establishing, building or one with a better credit history. Sample Credit Ranges improving your credit score? 750-850 Excellent Our Credit Booster Loan will help! A credit score ranges from 300-850 700-749 Very good We offer terms up to 36 months with and is a number based on the evalu- 650-699 Good credit no collateral and you’re automati- ation of five categories within your 600-649 Fair cally qualified. We can loan you up to credit history. All five of these catego- 550-599 Poor $1,000 (to be held in a Savings Ac- ries are considered when formulating count) with repayment terms up to 36 your credit score, not just one or two. U.S. residents can get a free copy of months. Plus, the money frees up with No one piece of information or fac- their credit report once a year. Re- each monthly payment! Apply online tor alone will determine your score. quest your free credit report online at or at any branch today if you want to Look at the corresponding chart to see www.annualcreditreport.com or by build or boost your credit score! which of the five categories affects calling toll-free (877) 322-8228. This

January 2014 Alliance will Award FIVE $1,000 College Scholarships! lliance realizes educational annual scholarship program will be web address below: Aopportunities can increase our available on January 2, 2014. For a www.alliancecu.com/Scholarship.html members’ chances for enjoying finan- copy of the 2014 application, please cial security in their lives. Eligibility Requirements: To be eligible, applicants must be Our annual Dennis J. Sommer Schol- Alliance Credit Union members (or arship for Excellence in Education the son, daughter or grandchild of an program recognizes students for their Alliance member), as well as one of achievements and provides future the following: opportunities to those who are serious about learning and continuing their • A full-time college student education. To date, Alliance Credit • A high school student who will be a Union has awarded scholarships total- full-time college student in 2014 ing more than $50,000 to many col- Applications due April 1, 2014 If you have any questions regarding lege students over the last 16 years. our scholarship program, please call visit any branch or download and print us at (636) 343-7005, ext. 2000 or As part of our continuing support of it from your home computer at the email us at [email protected]. higher education, applications for our Alliance Credit Union Heats Up the Home Loan Purchase Market Did you know that Alliance Credit tacting a reputable lender, such as Al- clients to be “pre-approved” before Union has seen its ratio of purchase liance Credit Union. Buying a home they will start showing homes. transactions double since 2010? Why? can be stressful, so you want to make When it comes to home loans, there is The well-kept secret of credit union sure you can trust and work with the much more than rate when comparing home loans is not so secret anymore. company who is financing your home. lenders. While Alliance Credit Union Buyers trust their member-owned has some of the most competi- and not-for-profit credit unions. tive rates in the area, we are also Rates and closing costs are typi- very competitive when it comes cally lower. Credit unions also to closings costs, not to mention offer more products and options excellent member service. besides the Fannie Mae and Fred- die Mac products. By starting the home buying pro- cess at Alliance Credit Union, you Most credit unions, including Alli- can take advantage of our vast ance, offer portfolio loan products networking circle. If you don’t for those buyers that don’t quite have a realtor, we will find one fit the “cookie-cutter” borrower for you. We will do all we can to Alliance Has a Dedicated Team Waiting to Serve You! stereotype created by big banks. make sure that you, as our mem- We understand that each loan applica- ber, are satisfied. After all, Our Mis- tion is different and that we are here Once you contact our Mortgage De- sion Statement is, “Providing financial to serve you, your friends and family. partment, you will go through a pre- solutions that deliver value and enrich Whether you are a first time home qualification process to obtain a pre- the lives of our members.” Our Mort- buyer or an empty nester looking to approval letter. A pre-approval letter gage Department accomplishes this downsize, Alliance Credit Union is informs realtors that you have spoken mission. the place to start your home buying to a lender and they have reviewed process. Our home loan experts spe- your credit scores, income, and assets If you or anyone you know is even cialize in helping our members get the to “pre-approve” your situation. It also considering a home loan do them a favor most out of their home loan. tells realtors that you are a serious and have them call our Mortgage De- buyer and that financing will not be an partment at (636) 343-7005, option 3 or When looking to buy a home issue. In fact, most realtors want their apply online at www.alliancecu.com. 2 your first step should be con- January 2014 Income NOW CDS Open An Account Online with Account Create Pay YOU Monthly Account Create enables new Expand your account relationship members to open an account and with Alliance today by visiting enables existing account holders www.alliancecu.com and click to add a Checking Account, Club on “Open An Account” at the top Account (Holiday and Vacation) of the page. and apply for an ATM or Debit Card 24 hours a day 7 days a week. Our Income Now CDs pay higher in- In just a few minutes you can eas- terest rates than traditional CDs with ily complete an application from similar terms found at other financial anywhere you have an Internet institutions! connection. In addition to pro- cessing the application, Account How do Income NOW CDs work? Create verifies your identity, pulls You deposit a specified amount into a a credit report and also supports federally insured Income Now CD at account funding via ACH. Alliance. Interest accrues daily and is added to the CD balance just before Alliance Member Discount the monthly payment distribution is made. You simply authorize Alliance to make level monthly payments from your Income Now CD until the CD matures. The payments consist of both interest and principal until the full value of your CD is paid out and has a zero balance. In short, it’s the CD that pays you monthly! You want quality car and home in- call, we will determine and apply surance that you can depend on and all of the discounts you qualify for See sample terms & rates: rates you can afford. On average, quickly and easily. credit union members who switch Term Rate (APY) save up to $427.96!* 1-Year Income Now CD .85% APY 2-Year Income Now CD 1.20% APY Endorsed and made available to you by your credit union, the TruStage 3-Year Income Now CD 1.45% APY Auto & Home Insurance Program 5-Year Income Now CD 1.70% APY is only available to credit union members. We have terms from one to 20 years. By combining your car and home Visit www.alliancecu.com to view all insurance, you may qualify for multiple discounts and get fast 24/7 Income Now CD rates. While there, claims service (including holidays). use our Income Now calculators to When you make a simple phone work out different investment scenari- os. Stop by any branch to open your Income Now CD today!

*APY= Annual Percentage Yield. There is a minimum investment based on term & early withdrawal penalties apply. RATES As of 01/02/14 Save 10% with Sprint for Being an Alliance Member! Loan Rates Alliance is pleased to offer monthly wire- How to Sign Up & Save: New Auto ...... as low as 2.49% APR* less discounts to our members with the Call 877.SAVE.4CU (877.728.3428) Used Auto ...... as low as 2.49% APR* Sprint Credit Union Member Discount. New Boat/RV ...... as low as 4.50% APR* and let them know you’re a credit Now is the best time for current and new Used Boat/RV ...... as low as 4.75% APR* union member. Ask to be a part of the New Motorcycle/ATV ...... as low as 4.50% APR* Sprint customers to save money on Sprint NACUC_ZZM Corporate ID and begin Used Motorcycle/ATV ...... as low as 4.99% APR* wireless services. Sprint has phones, saving! You can also visit your nearest Home Equity Line of Credit..... as low as 3.25% APR* PDAs, push to talk, data service plans, Sprint store or do everything online at: Home Loans ...... call 636-343-7005, option 3 or music downloads, TV and more! visit www.alliancecu.com to apply online. www.SprintSave4CU.com!

*APR = Annual Percentage Rate Sprint Member Discount Benefits: • 10% discount on select regularly priced Deposit Rates Sprint monthly service Certificates of Deposit • Waived activation fee on new lines 6 months ...... 26% APY* • Waived upgrade fee 12 months ...... 41% APY* 24 months ...... 71% APY* • Buy online and receive additional savings 36 months ...... 96% APY* • Unlimited data available on select phone plans 60 months ...... 1.46% APY* • Ready Now, one-on-one personalized setup, 1-Year Income Now CD ...... 85% APY* is provided at select Sprint Stores 2-Year Income Now CD ...... 1.20% APY* 3-Year Income Now CD ...... 1.45% APY* 5-Year Income Now CD ...... 1.70% APY* Step Right Up CD...... up to 3.00% APY* Annual Disclosure for VISA Check Card Transactions Processed as Non-VISA Debit Transactions Daily Investment Fund $2,500 to $9,999 ...... 16% APY* You may use your Visa Debit Card to initiate both Visa debit transactions and non-Visa $10,000 to $24,999 ...... 26% APY* debit transactions without using a personal identification number (PIN) to authenticate $25,000 to $49,999 ...... 31% APY* the transactions. To initiate a Visa debit transaction, you may sign a receipt, provide a $50,000, to $74,999 ...... 41% APY* card number or swipe your card through a point-of-sale (POS) terminal and choose to $75,000 to $99,999 ...... 42% APY* route the transaction over a Visa network. To initiate a non-Visa debit transaction, you $100,000 and greater ...... 43% APY* may enter a PIN at a POS terminal or, for certain bill payment transactions, provide the IRA Savings account number for an e-commerce or mail/telephone order transaction after clearly $100 to $5,000 ...... 40% APY* indicating a preference to route it as a non-Visa transaction. Your Visa debit card also $5,000 to $25,000 ...... 45% APY* allows you to conduct transactions on the Star and Co-Op debit networks, which will $25,000 to $50,000 ...... 50% APY* generally require you to enter your PIN. Some merchants are authorized to accept non- $50,000 to $75,000 ...... 60% APY* Visa debit transactions without requiring you to enter your PIN. If you choose to sign to $75,000 to $100,000...... 70% APY* authorize a debit transaction, the transaction will be routed as a Visa transaction. Provi- $100,000 and greater ...... 95% APY* sions of your cardholder agreement that specifically relate to Visa transactions are inap- *APY = Annual Percentage Yield All rates subject to change at any time. plicable to non-Visa debit transactions. Please contact us with any questions.

(636) 343-7005, ext. 2000 • (800) 541-6131 Tel-A-Connect: (800) 714-3319 • Online Chat Available www.alliancecu.com • [email protected]

Our Bryan Rd. Office becoming full-service soon! Fenton 24/7 ATM Jennings 24/7 ATM Hazelwood. O’Fallon 24/7 ATM O’Fallon - 24/7 ATM 575 Rudder Rd. 9050 W. Florissant Ave. 9150 Pershall Rd. 1051 Hwy. K 1167 Bryan Rd. Fenton, MO 63026 St. Louis, MO 63136 Hazelwood, MO 63042 O’Fallon, MO 63366 O’Fallon, MO 63366 Office Hours: Office Hours: Office Hours: Office Hours: Mon. - Fri...... 9 am - 5:30 pm Mon. - Fri...... 9 am - 5:30 pm Mon. - Fri...... 9 am - 5:30 pm Mon. - Fri...... 9 am - 5:30 pm Mon. - Fri...... 9 am - 5:30 pm Saturday...... 9 am - noon Saturday...... 9 am - noon Saturday...... 9 am - noon Saturday...... 9 am - noon Saturday...... 9 am - noon Home Loan Office Call Center Drive-up: Drive-up: Drive-up: Operating Hours: Mon. - Fri...... 8:30 am - 5:30 pm Mon. - Fri...... 8:30 am - 5:30 pm Mon. - Fri...... 8:30 am - 5:30 pm High Ridge 24/7 ATM Mon. - Fri...... 8:30 am- 5:30 pm Saturday...... 8:30 am - 12:30 am Saturday...... 8:30 am - 12:30 am Saturday...... 8:30 am - 12:30 am 320A Emerson Rd. Saturday...... 8:30 am - 12:30 pm High Ridge, MO 63049 Office Hours: New standardized hours to better serve you! Mon. - Fri...... 9 am - 5 pm