EMV or Chip Cards

Member Highlightsl

Take a Look al Our Rolling BiUboerdsl

Thanks for Connecting with allUSI

Calendar of Financial Tips

OurNew TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Secrets to Pain-Free Tax F~ing Loans for This That amp The Other Thing New Branch Update

Fall 2015 November S 2015 Vol 1 Issue 6

Sunvner 2015 August 3 2015 Vol 2 Issue 3

A Note from Our CEO

This year was another big year for your credit union as we have undertaken build ing our new main office at 1410 North Main Street As we grow our footpr int we become an even stronger financial institution dedicated to serving you

Other banks and credit unions are quick to change t heir focus as they react to the industry In chasing trends and making decisions from the isolation of corner offices these financials quickly lose sight of why they ar e in business in t he first place their customers This is not a recipe for success In todays world

At allUS Credit Union we remain committed to t he same ideals we always have local lending decisions and exceptional customer service I am excited that we continue to grow It means t he things our cred it un ion is committed to are the right things and you are finding what you need from us

Our philosophy Is simple but di fferentiated Our members are much much more than their credit scores Our members are people People with Individual challenges needs goals and dreams - and we can help them get there

Thank you for choosing us as your financial institution Thank you for your support of our commitment and for your continued membership at allUS Credit Union We look forward to serving you with the same commitment for years to come

Spr ing 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards Thanks for Connecting with allUSl

Calendarof Financial Tips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Secrets to Pain-Free Tex Fffing

Loans for This That amp The OtherThing

New Branch Update

PAST ISSUES

f aH 2015 November S 2015 Vol 1 Issue 6

Summer2015 August 3 2015

EMV or Chip Cards

Members with new accounts or those who have expir ing cards beg inning Apr il 1 will receive the new EMV or chip cards The new car d continues to have a magnetic str ipe on the back but what is new is a m ini-chip on the front of the card - hence t he nickname chip card

EMV cards improve secur ity aga inst fraud compared to magnetic str ipe cards that relied on signature ver if ication and the authentication of the card by merchants and thei r em ployees In most cases merchants were not performing the ver ification so the ability of cr im inals to manufactu re fake cards has become an issue the last several years The new EMV card will offer increased protection for those tr ansactions where a card is presented by the inclusion of the chip as it is embedded with add itional encryption Merchants that do not have pointbullofbullsale terminals to verify t he chip will become liable for these transactions Today your fi nancial institution bears t he responsibility for these losses

IMPORTANT TIPS

bull Never let anyone get your PIN and do not write i t on your card

bull New EMVchip car ds will not change Internet tr ansactions or card-not-present transactions

bull Pointbullofbullsale terminals (ATM or merchant terminals) will keep your card until t he transaction is complete

bull Please do not leave unti l your card is in your hand

(PRINTER FRI ENDLY V ERSION]

Spring 2016

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV orChip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUSI

Calendar ofFi~ 11ps

Our New TV Spot Just Hft theMwavesl

Making Financial Litetacy Fun for Kids

7 Seaets to Pain-Free Tax Fffing

Loans for This That amp The OtherThing

New Branch Update

PAST ISSUES

FaU 2015 November 5 2015 Vol 1 lsstJe 6

Summer 2015 August 3 2015 1101 2 Issue 3

Spring 2015 March 30 201S 1101 1 Issue 4

Wmteri014 November 17 2014 Vol 1 Issue 3

Summer-2014 June S 201~

Spring 2014 February 10 2014

Member Hlghllghtst We love shining a light on our members and their efforts

Congratulations to Jay Olszanowskl for being named Member of the Quarter Jay has been a member of auus Credit Union since 2009

What do I like most about alUS Credit Union I feel like I am surrounded by

friends not bankers Like an old friend they will always be there for me

How is alUS Credit Union Positively Different from other banks allUS made my purchase of my new used truck simple and less cumbersome than other financial institutions Since loan decisions are made locally at allUS I had a more personal experience and it alleviated

the pressure of applying and securing t he fi nancing

Congratulations to our Young Artists Jollegh Eltagonde Brandon Ramos and Dominic Deangelo were the winners of the coloring contest in celebration of International Credit Union Day

Congratulations to Alden and Eddie Munoz and Carla Jones Our Fall Festival Pumpkin Decorating showed us how creative our members can be

Thank you Esmeralda for loving our style of banking Esmeralda Munoz shar ed her story on how allUS Credit Union has made an impact on her l ife and won a Valentines dinner for two to the Beach House in Pacific Grove

[ PRINTER FRIENDLY VERSION]

Publtshed by anus Credit Unfon anus Credit union Copyrightcopy 2014 allUs Credit un10n All rights reserved

Youg

Spring 20 16

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUS1

Calendar of Financial lips

Our New TV Spot Just H~ the Airwaves

Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This That amp The OtherThing

New Branch Update

Take a Look at Our Rolling Billboards

Thank you to the Monterey and Salinas Valley Railroad Museum and Anita Mason for this wonderful exhibit Come by and take a look

[ PRINTER FRIENDLY VERSION]

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUSI

Calendar of Financial lips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Secrets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

Thanks for Connecting with allUSI

Were not saying we went to school for hashtagging but we have found that its just another way to make you smile and for you to get to know us and for us to answer your questions So follow and tweet alluscredit or l ike us on Facebook and join the conversation We can connect on Pinterest or hang out in each others circle on Google+ and without a doubt check out our blog

[PRINTER FRIENDLY VERSION )

bullbullbull bullbullbullbull bullbullbullbull

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV orChip Canis

Member Highlights

Take a Look atOur Rolfing Billboards

Thanks for Connecting with allUSI

Our New TV Spot Just H~ the Airwaves1 Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This Thatamp The OtherThing

New Branch Update

PAST ISSUES

Faa 261s November 5 2015 Vol 1 Issue 6

Summer 2015 August 3 2015 1ol 2 Issue 3

Spring 2015 March 30 2015 Vol 1 Issue 4

W-mter 2014 November 11 2014 101 1 1ssue J

Summer2014 June 5 2014

Spring 2014 February 10 2014

Calendar of Financial Tips

January and February are in the history books But its never too late to get some ideas to help keep your personal finances in order for the remainder of 2016

March Information in your cr ed it report directly Im pacts your ability to obtain a credit card buy a car or home rent an apart ment or get a

job If you havent checked your credit report in the past year its t ime to take another look Visit wwwannualcr editreportcom for a free copy of your cr ed it report

Aprtt As you or ganize your documents in preparation for tax day you may be dreaming about spending your tax refu nd on a t rip or a new TV Think twice Make the most of your tax refund and get closer to a fit f inancial futur e by using your refund to pay down your credit card bills set up an emergency fund pay extra on your mortgage service your car or fund your childr ens education

May Its hard to believe but t hat senior is going to graduate soon Once commencement is done and over i ts t ime for the graduation partybull But no need to break t he bank to send that grad off in style Provide the new graduate with laundry essentials college food staples a magazine subscr iption or moviepasses

June Planning to travel this summer Vacations dont have to beexpensive to be memor able and fun Keep your costs down and stretch your travel dollars by booking you r trip early tr aveling light to avoid checked bag fees slowing down to improve your gas mileage and r enting a cabin or campsite rather than a hotel room

July Midway through the year is a great t ime to take st ock of your fi nancial situation Check your expenses against your budgeted amounts - ar e you on tr ack Consider your budgeting amounts - can t hey be adjusted Where can you save Setting new budget goals and making sure youre on track is a key step in becoming financially fit

August Students arent the only ones wholl need to pull out t hepens paper and calculators for the back- to -school season Parents who want to keep back- to-school spending under control should consider doing t he same Take this opportunity to teach your kids about smart money habits such as comparison shopping and sticking to a solid spend ing plan to avoid overspending

September Take t ime this month to organize your financial documents Create a system that works best for you as it will make the j ob of managing you r financial l ife easier and mor e efficient Organize necessary records and file them in envelopes stor age boxes or notebook binders Shred and discard the papers t hat are no lon9er needed

October Each year millions of Americans are affected by identi ty theft Minimize your risk by managing your personal information both online and when you are out and about Dont carry your Social Security number with you use smart passwords update your virus protection software r egular ly shredunneeded documents and consistently monitor your billing statements and credit report

November During the holiday season keep in m ind that while using credit cards to purchase gifts can be tempting they can result in a holiday hangover in January when t he bills come due Plan for purchases in advance shop around and pay cash

December Resolve to strengthen your finances to get through any tough times that may be ahead in the next year Review your budget to find ways to reduce or eliminate expenses avoid taking on new debt start (or add) to a ra iny-day fund and consider adjusting your withholding if you consistently receive a refund from the IRS

(PRINTER FRIENDLY VERSION]

Published by allUS Credit Union allus Creltllt union COpfllght copy 2014 allUs Credit Unlon All rights reserved

lll ~ reg IJ mJ W--- _ deg----------------------JMN

Spr ing 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards Thanks for Connecting with allUSl

Calendarof Financial Tips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Secrets to Pain-Free Tex Fffing

Loans for This That amp The OtherThing

New Branch Update

PAST ISSUES

f aH 2015 November S 2015 Vol 1 Issue 6

Summer2015 August 3 2015

EMV or Chip Cards

Members with new accounts or those who have expir ing cards beg inning Apr il 1 will receive the new EMV or chip cards The new car d continues to have a magnetic str ipe on the back but what is new is a m ini-chip on the front of the card - hence t he nickname chip card

EMV cards improve secur ity aga inst fraud compared to magnetic str ipe cards that relied on signature ver if ication and the authentication of the card by merchants and thei r em ployees In most cases merchants were not performing the ver ification so the ability of cr im inals to manufactu re fake cards has become an issue the last several years The new EMV card will offer increased protection for those tr ansactions where a card is presented by the inclusion of the chip as it is embedded with add itional encryption Merchants that do not have pointbullofbullsale terminals to verify t he chip will become liable for these transactions Today your fi nancial institution bears t he responsibility for these losses

IMPORTANT TIPS

bull Never let anyone get your PIN and do not write i t on your card

bull New EMVchip car ds will not change Internet tr ansactions or card-not-present transactions

bull Pointbullofbullsale terminals (ATM or merchant terminals) will keep your card until t he transaction is complete

bull Please do not leave unti l your card is in your hand

(PRINTER FRI ENDLY V ERSION]

Spring 2016

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV orChip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUSI

Calendar ofFi~ 11ps

Our New TV Spot Just Hft theMwavesl

Making Financial Litetacy Fun for Kids

7 Seaets to Pain-Free Tax Fffing

Loans for This That amp The OtherThing

New Branch Update

PAST ISSUES

FaU 2015 November 5 2015 Vol 1 lsstJe 6

Summer 2015 August 3 2015 1101 2 Issue 3

Spring 2015 March 30 201S 1101 1 Issue 4

Wmteri014 November 17 2014 Vol 1 Issue 3

Summer-2014 June S 201~

Spring 2014 February 10 2014

Member Hlghllghtst We love shining a light on our members and their efforts

Congratulations to Jay Olszanowskl for being named Member of the Quarter Jay has been a member of auus Credit Union since 2009

What do I like most about alUS Credit Union I feel like I am surrounded by

friends not bankers Like an old friend they will always be there for me

How is alUS Credit Union Positively Different from other banks allUS made my purchase of my new used truck simple and less cumbersome than other financial institutions Since loan decisions are made locally at allUS I had a more personal experience and it alleviated

the pressure of applying and securing t he fi nancing

Congratulations to our Young Artists Jollegh Eltagonde Brandon Ramos and Dominic Deangelo were the winners of the coloring contest in celebration of International Credit Union Day

Congratulations to Alden and Eddie Munoz and Carla Jones Our Fall Festival Pumpkin Decorating showed us how creative our members can be

Thank you Esmeralda for loving our style of banking Esmeralda Munoz shar ed her story on how allUS Credit Union has made an impact on her l ife and won a Valentines dinner for two to the Beach House in Pacific Grove

[ PRINTER FRIENDLY VERSION]

Publtshed by anus Credit Unfon anus Credit union Copyrightcopy 2014 allUs Credit un10n All rights reserved

Youg

Spring 20 16

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUS1

Calendar of Financial lips

Our New TV Spot Just H~ the Airwaves

Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This That amp The OtherThing

New Branch Update

Take a Look at Our Rolling Billboards

Thank you to the Monterey and Salinas Valley Railroad Museum and Anita Mason for this wonderful exhibit Come by and take a look

[ PRINTER FRIENDLY VERSION]

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUSI

Calendar of Financial lips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Secrets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

Thanks for Connecting with allUSI

Were not saying we went to school for hashtagging but we have found that its just another way to make you smile and for you to get to know us and for us to answer your questions So follow and tweet alluscredit or l ike us on Facebook and join the conversation We can connect on Pinterest or hang out in each others circle on Google+ and without a doubt check out our blog

[PRINTER FRIENDLY VERSION )

bullbullbull bullbullbullbull bullbullbullbull

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV orChip Canis

Member Highlights

Take a Look atOur Rolfing Billboards

Thanks for Connecting with allUSI

Our New TV Spot Just H~ the Airwaves1 Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This Thatamp The OtherThing

New Branch Update

PAST ISSUES

Faa 261s November 5 2015 Vol 1 Issue 6

Summer 2015 August 3 2015 1ol 2 Issue 3

Spring 2015 March 30 2015 Vol 1 Issue 4

W-mter 2014 November 11 2014 101 1 1ssue J

Summer2014 June 5 2014

Spring 2014 February 10 2014

Calendar of Financial Tips

January and February are in the history books But its never too late to get some ideas to help keep your personal finances in order for the remainder of 2016

March Information in your cr ed it report directly Im pacts your ability to obtain a credit card buy a car or home rent an apart ment or get a

job If you havent checked your credit report in the past year its t ime to take another look Visit wwwannualcr editreportcom for a free copy of your cr ed it report

Aprtt As you or ganize your documents in preparation for tax day you may be dreaming about spending your tax refu nd on a t rip or a new TV Think twice Make the most of your tax refund and get closer to a fit f inancial futur e by using your refund to pay down your credit card bills set up an emergency fund pay extra on your mortgage service your car or fund your childr ens education

May Its hard to believe but t hat senior is going to graduate soon Once commencement is done and over i ts t ime for the graduation partybull But no need to break t he bank to send that grad off in style Provide the new graduate with laundry essentials college food staples a magazine subscr iption or moviepasses

June Planning to travel this summer Vacations dont have to beexpensive to be memor able and fun Keep your costs down and stretch your travel dollars by booking you r trip early tr aveling light to avoid checked bag fees slowing down to improve your gas mileage and r enting a cabin or campsite rather than a hotel room

July Midway through the year is a great t ime to take st ock of your fi nancial situation Check your expenses against your budgeted amounts - ar e you on tr ack Consider your budgeting amounts - can t hey be adjusted Where can you save Setting new budget goals and making sure youre on track is a key step in becoming financially fit

August Students arent the only ones wholl need to pull out t hepens paper and calculators for the back- to -school season Parents who want to keep back- to-school spending under control should consider doing t he same Take this opportunity to teach your kids about smart money habits such as comparison shopping and sticking to a solid spend ing plan to avoid overspending

September Take t ime this month to organize your financial documents Create a system that works best for you as it will make the j ob of managing you r financial l ife easier and mor e efficient Organize necessary records and file them in envelopes stor age boxes or notebook binders Shred and discard the papers t hat are no lon9er needed

October Each year millions of Americans are affected by identi ty theft Minimize your risk by managing your personal information both online and when you are out and about Dont carry your Social Security number with you use smart passwords update your virus protection software r egular ly shredunneeded documents and consistently monitor your billing statements and credit report

November During the holiday season keep in m ind that while using credit cards to purchase gifts can be tempting they can result in a holiday hangover in January when t he bills come due Plan for purchases in advance shop around and pay cash

December Resolve to strengthen your finances to get through any tough times that may be ahead in the next year Review your budget to find ways to reduce or eliminate expenses avoid taking on new debt start (or add) to a ra iny-day fund and consider adjusting your withholding if you consistently receive a refund from the IRS

(PRINTER FRIENDLY VERSION]

Published by allUS Credit Union allus Creltllt union COpfllght copy 2014 allUs Credit Unlon All rights reserved

lll ~ reg IJ mJ W--- _ deg----------------------JMN

Spring 2016

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV orChip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUSI

Calendar ofFi~ 11ps

Our New TV Spot Just Hft theMwavesl

Making Financial Litetacy Fun for Kids

7 Seaets to Pain-Free Tax Fffing

Loans for This That amp The OtherThing

New Branch Update

PAST ISSUES

FaU 2015 November 5 2015 Vol 1 lsstJe 6

Summer 2015 August 3 2015 1101 2 Issue 3

Spring 2015 March 30 201S 1101 1 Issue 4

Wmteri014 November 17 2014 Vol 1 Issue 3

Summer-2014 June S 201~

Spring 2014 February 10 2014

Member Hlghllghtst We love shining a light on our members and their efforts

Congratulations to Jay Olszanowskl for being named Member of the Quarter Jay has been a member of auus Credit Union since 2009

What do I like most about alUS Credit Union I feel like I am surrounded by

friends not bankers Like an old friend they will always be there for me

How is alUS Credit Union Positively Different from other banks allUS made my purchase of my new used truck simple and less cumbersome than other financial institutions Since loan decisions are made locally at allUS I had a more personal experience and it alleviated

the pressure of applying and securing t he fi nancing

Congratulations to our Young Artists Jollegh Eltagonde Brandon Ramos and Dominic Deangelo were the winners of the coloring contest in celebration of International Credit Union Day

Congratulations to Alden and Eddie Munoz and Carla Jones Our Fall Festival Pumpkin Decorating showed us how creative our members can be

Thank you Esmeralda for loving our style of banking Esmeralda Munoz shar ed her story on how allUS Credit Union has made an impact on her l ife and won a Valentines dinner for two to the Beach House in Pacific Grove

[ PRINTER FRIENDLY VERSION]

Publtshed by anus Credit Unfon anus Credit union Copyrightcopy 2014 allUs Credit un10n All rights reserved

Youg

Spring 20 16

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUS1

Calendar of Financial lips

Our New TV Spot Just H~ the Airwaves

Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This That amp The OtherThing

New Branch Update

Take a Look at Our Rolling Billboards

Thank you to the Monterey and Salinas Valley Railroad Museum and Anita Mason for this wonderful exhibit Come by and take a look

[ PRINTER FRIENDLY VERSION]

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUSI

Calendar of Financial lips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Secrets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

Thanks for Connecting with allUSI

Were not saying we went to school for hashtagging but we have found that its just another way to make you smile and for you to get to know us and for us to answer your questions So follow and tweet alluscredit or l ike us on Facebook and join the conversation We can connect on Pinterest or hang out in each others circle on Google+ and without a doubt check out our blog

[PRINTER FRIENDLY VERSION )

bullbullbull bullbullbullbull bullbullbullbull

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV orChip Canis

Member Highlights

Take a Look atOur Rolfing Billboards

Thanks for Connecting with allUSI

Our New TV Spot Just H~ the Airwaves1 Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This Thatamp The OtherThing

New Branch Update

PAST ISSUES

Faa 261s November 5 2015 Vol 1 Issue 6

Summer 2015 August 3 2015 1ol 2 Issue 3

Spring 2015 March 30 2015 Vol 1 Issue 4

W-mter 2014 November 11 2014 101 1 1ssue J

Summer2014 June 5 2014

Spring 2014 February 10 2014

Calendar of Financial Tips

January and February are in the history books But its never too late to get some ideas to help keep your personal finances in order for the remainder of 2016

March Information in your cr ed it report directly Im pacts your ability to obtain a credit card buy a car or home rent an apart ment or get a

job If you havent checked your credit report in the past year its t ime to take another look Visit wwwannualcr editreportcom for a free copy of your cr ed it report

Aprtt As you or ganize your documents in preparation for tax day you may be dreaming about spending your tax refu nd on a t rip or a new TV Think twice Make the most of your tax refund and get closer to a fit f inancial futur e by using your refund to pay down your credit card bills set up an emergency fund pay extra on your mortgage service your car or fund your childr ens education

May Its hard to believe but t hat senior is going to graduate soon Once commencement is done and over i ts t ime for the graduation partybull But no need to break t he bank to send that grad off in style Provide the new graduate with laundry essentials college food staples a magazine subscr iption or moviepasses

June Planning to travel this summer Vacations dont have to beexpensive to be memor able and fun Keep your costs down and stretch your travel dollars by booking you r trip early tr aveling light to avoid checked bag fees slowing down to improve your gas mileage and r enting a cabin or campsite rather than a hotel room

July Midway through the year is a great t ime to take st ock of your fi nancial situation Check your expenses against your budgeted amounts - ar e you on tr ack Consider your budgeting amounts - can t hey be adjusted Where can you save Setting new budget goals and making sure youre on track is a key step in becoming financially fit

August Students arent the only ones wholl need to pull out t hepens paper and calculators for the back- to -school season Parents who want to keep back- to-school spending under control should consider doing t he same Take this opportunity to teach your kids about smart money habits such as comparison shopping and sticking to a solid spend ing plan to avoid overspending

September Take t ime this month to organize your financial documents Create a system that works best for you as it will make the j ob of managing you r financial l ife easier and mor e efficient Organize necessary records and file them in envelopes stor age boxes or notebook binders Shred and discard the papers t hat are no lon9er needed

October Each year millions of Americans are affected by identi ty theft Minimize your risk by managing your personal information both online and when you are out and about Dont carry your Social Security number with you use smart passwords update your virus protection software r egular ly shredunneeded documents and consistently monitor your billing statements and credit report

November During the holiday season keep in m ind that while using credit cards to purchase gifts can be tempting they can result in a holiday hangover in January when t he bills come due Plan for purchases in advance shop around and pay cash

December Resolve to strengthen your finances to get through any tough times that may be ahead in the next year Review your budget to find ways to reduce or eliminate expenses avoid taking on new debt start (or add) to a ra iny-day fund and consider adjusting your withholding if you consistently receive a refund from the IRS

(PRINTER FRIENDLY VERSION]

Published by allUS Credit Union allus Creltllt union COpfllght copy 2014 allUs Credit Unlon All rights reserved

lll ~ reg IJ mJ W--- _ deg----------------------JMN

Spring 20 16

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUS1

Calendar of Financial lips

Our New TV Spot Just H~ the Airwaves

Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This That amp The OtherThing

New Branch Update

Take a Look at Our Rolling Billboards

Thank you to the Monterey and Salinas Valley Railroad Museum and Anita Mason for this wonderful exhibit Come by and take a look

[ PRINTER FRIENDLY VERSION]

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUSI

Calendar of Financial lips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Secrets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

Thanks for Connecting with allUSI

Were not saying we went to school for hashtagging but we have found that its just another way to make you smile and for you to get to know us and for us to answer your questions So follow and tweet alluscredit or l ike us on Facebook and join the conversation We can connect on Pinterest or hang out in each others circle on Google+ and without a doubt check out our blog

[PRINTER FRIENDLY VERSION )

bullbullbull bullbullbullbull bullbullbullbull

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV orChip Canis

Member Highlights

Take a Look atOur Rolfing Billboards

Thanks for Connecting with allUSI

Our New TV Spot Just H~ the Airwaves1 Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This Thatamp The OtherThing

New Branch Update

PAST ISSUES

Faa 261s November 5 2015 Vol 1 Issue 6

Summer 2015 August 3 2015 1ol 2 Issue 3

Spring 2015 March 30 2015 Vol 1 Issue 4

W-mter 2014 November 11 2014 101 1 1ssue J

Summer2014 June 5 2014

Spring 2014 February 10 2014

Calendar of Financial Tips

January and February are in the history books But its never too late to get some ideas to help keep your personal finances in order for the remainder of 2016

March Information in your cr ed it report directly Im pacts your ability to obtain a credit card buy a car or home rent an apart ment or get a

job If you havent checked your credit report in the past year its t ime to take another look Visit wwwannualcr editreportcom for a free copy of your cr ed it report

Aprtt As you or ganize your documents in preparation for tax day you may be dreaming about spending your tax refu nd on a t rip or a new TV Think twice Make the most of your tax refund and get closer to a fit f inancial futur e by using your refund to pay down your credit card bills set up an emergency fund pay extra on your mortgage service your car or fund your childr ens education

May Its hard to believe but t hat senior is going to graduate soon Once commencement is done and over i ts t ime for the graduation partybull But no need to break t he bank to send that grad off in style Provide the new graduate with laundry essentials college food staples a magazine subscr iption or moviepasses

June Planning to travel this summer Vacations dont have to beexpensive to be memor able and fun Keep your costs down and stretch your travel dollars by booking you r trip early tr aveling light to avoid checked bag fees slowing down to improve your gas mileage and r enting a cabin or campsite rather than a hotel room

July Midway through the year is a great t ime to take st ock of your fi nancial situation Check your expenses against your budgeted amounts - ar e you on tr ack Consider your budgeting amounts - can t hey be adjusted Where can you save Setting new budget goals and making sure youre on track is a key step in becoming financially fit

August Students arent the only ones wholl need to pull out t hepens paper and calculators for the back- to -school season Parents who want to keep back- to-school spending under control should consider doing t he same Take this opportunity to teach your kids about smart money habits such as comparison shopping and sticking to a solid spend ing plan to avoid overspending

September Take t ime this month to organize your financial documents Create a system that works best for you as it will make the j ob of managing you r financial l ife easier and mor e efficient Organize necessary records and file them in envelopes stor age boxes or notebook binders Shred and discard the papers t hat are no lon9er needed

October Each year millions of Americans are affected by identi ty theft Minimize your risk by managing your personal information both online and when you are out and about Dont carry your Social Security number with you use smart passwords update your virus protection software r egular ly shredunneeded documents and consistently monitor your billing statements and credit report

November During the holiday season keep in m ind that while using credit cards to purchase gifts can be tempting they can result in a holiday hangover in January when t he bills come due Plan for purchases in advance shop around and pay cash

December Resolve to strengthen your finances to get through any tough times that may be ahead in the next year Review your budget to find ways to reduce or eliminate expenses avoid taking on new debt start (or add) to a ra iny-day fund and consider adjusting your withholding if you consistently receive a refund from the IRS

(PRINTER FRIENDLY VERSION]

Published by allUS Credit Union allus Creltllt union COpfllght copy 2014 allUs Credit Unlon All rights reserved

lll ~ reg IJ mJ W--- _ deg----------------------JMN

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV or Chip Cards

Member Highlights

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUSI

Calendar of Financial lips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Secrets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

Thanks for Connecting with allUSI

Were not saying we went to school for hashtagging but we have found that its just another way to make you smile and for you to get to know us and for us to answer your questions So follow and tweet alluscredit or l ike us on Facebook and join the conversation We can connect on Pinterest or hang out in each others circle on Google+ and without a doubt check out our blog

[PRINTER FRIENDLY VERSION )

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Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV orChip Canis

Member Highlights

Take a Look atOur Rolfing Billboards

Thanks for Connecting with allUSI

Our New TV Spot Just H~ the Airwaves1 Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This Thatamp The OtherThing

New Branch Update

PAST ISSUES

Faa 261s November 5 2015 Vol 1 Issue 6

Summer 2015 August 3 2015 1ol 2 Issue 3

Spring 2015 March 30 2015 Vol 1 Issue 4

W-mter 2014 November 11 2014 101 1 1ssue J

Summer2014 June 5 2014

Spring 2014 February 10 2014

Calendar of Financial Tips

January and February are in the history books But its never too late to get some ideas to help keep your personal finances in order for the remainder of 2016

March Information in your cr ed it report directly Im pacts your ability to obtain a credit card buy a car or home rent an apart ment or get a

job If you havent checked your credit report in the past year its t ime to take another look Visit wwwannualcr editreportcom for a free copy of your cr ed it report

Aprtt As you or ganize your documents in preparation for tax day you may be dreaming about spending your tax refu nd on a t rip or a new TV Think twice Make the most of your tax refund and get closer to a fit f inancial futur e by using your refund to pay down your credit card bills set up an emergency fund pay extra on your mortgage service your car or fund your childr ens education

May Its hard to believe but t hat senior is going to graduate soon Once commencement is done and over i ts t ime for the graduation partybull But no need to break t he bank to send that grad off in style Provide the new graduate with laundry essentials college food staples a magazine subscr iption or moviepasses

June Planning to travel this summer Vacations dont have to beexpensive to be memor able and fun Keep your costs down and stretch your travel dollars by booking you r trip early tr aveling light to avoid checked bag fees slowing down to improve your gas mileage and r enting a cabin or campsite rather than a hotel room

July Midway through the year is a great t ime to take st ock of your fi nancial situation Check your expenses against your budgeted amounts - ar e you on tr ack Consider your budgeting amounts - can t hey be adjusted Where can you save Setting new budget goals and making sure youre on track is a key step in becoming financially fit

August Students arent the only ones wholl need to pull out t hepens paper and calculators for the back- to -school season Parents who want to keep back- to-school spending under control should consider doing t he same Take this opportunity to teach your kids about smart money habits such as comparison shopping and sticking to a solid spend ing plan to avoid overspending

September Take t ime this month to organize your financial documents Create a system that works best for you as it will make the j ob of managing you r financial l ife easier and mor e efficient Organize necessary records and file them in envelopes stor age boxes or notebook binders Shred and discard the papers t hat are no lon9er needed

October Each year millions of Americans are affected by identi ty theft Minimize your risk by managing your personal information both online and when you are out and about Dont carry your Social Security number with you use smart passwords update your virus protection software r egular ly shredunneeded documents and consistently monitor your billing statements and credit report

November During the holiday season keep in m ind that while using credit cards to purchase gifts can be tempting they can result in a holiday hangover in January when t he bills come due Plan for purchases in advance shop around and pay cash

December Resolve to strengthen your finances to get through any tough times that may be ahead in the next year Review your budget to find ways to reduce or eliminate expenses avoid taking on new debt start (or add) to a ra iny-day fund and consider adjusting your withholding if you consistently receive a refund from the IRS

(PRINTER FRIENDLY VERSION]

Published by allUS Credit Union allus Creltllt union COpfllght copy 2014 allUs Credit Unlon All rights reserved

lll ~ reg IJ mJ W--- _ deg----------------------JMN

bullbullbull bullbullbullbull bullbullbullbull

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV orChip Canis

Member Highlights

Take a Look atOur Rolfing Billboards

Thanks for Connecting with allUSI

Our New TV Spot Just H~ the Airwaves1 Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This Thatamp The OtherThing

New Branch Update

PAST ISSUES

Faa 261s November 5 2015 Vol 1 Issue 6

Summer 2015 August 3 2015 1ol 2 Issue 3

Spring 2015 March 30 2015 Vol 1 Issue 4

W-mter 2014 November 11 2014 101 1 1ssue J

Summer2014 June 5 2014

Spring 2014 February 10 2014

Calendar of Financial Tips

January and February are in the history books But its never too late to get some ideas to help keep your personal finances in order for the remainder of 2016

March Information in your cr ed it report directly Im pacts your ability to obtain a credit card buy a car or home rent an apart ment or get a

job If you havent checked your credit report in the past year its t ime to take another look Visit wwwannualcr editreportcom for a free copy of your cr ed it report

Aprtt As you or ganize your documents in preparation for tax day you may be dreaming about spending your tax refu nd on a t rip or a new TV Think twice Make the most of your tax refund and get closer to a fit f inancial futur e by using your refund to pay down your credit card bills set up an emergency fund pay extra on your mortgage service your car or fund your childr ens education

May Its hard to believe but t hat senior is going to graduate soon Once commencement is done and over i ts t ime for the graduation partybull But no need to break t he bank to send that grad off in style Provide the new graduate with laundry essentials college food staples a magazine subscr iption or moviepasses

June Planning to travel this summer Vacations dont have to beexpensive to be memor able and fun Keep your costs down and stretch your travel dollars by booking you r trip early tr aveling light to avoid checked bag fees slowing down to improve your gas mileage and r enting a cabin or campsite rather than a hotel room

July Midway through the year is a great t ime to take st ock of your fi nancial situation Check your expenses against your budgeted amounts - ar e you on tr ack Consider your budgeting amounts - can t hey be adjusted Where can you save Setting new budget goals and making sure youre on track is a key step in becoming financially fit

August Students arent the only ones wholl need to pull out t hepens paper and calculators for the back- to -school season Parents who want to keep back- to-school spending under control should consider doing t he same Take this opportunity to teach your kids about smart money habits such as comparison shopping and sticking to a solid spend ing plan to avoid overspending

September Take t ime this month to organize your financial documents Create a system that works best for you as it will make the j ob of managing you r financial l ife easier and mor e efficient Organize necessary records and file them in envelopes stor age boxes or notebook binders Shred and discard the papers t hat are no lon9er needed

October Each year millions of Americans are affected by identi ty theft Minimize your risk by managing your personal information both online and when you are out and about Dont carry your Social Security number with you use smart passwords update your virus protection software r egular ly shredunneeded documents and consistently monitor your billing statements and credit report

November During the holiday season keep in m ind that while using credit cards to purchase gifts can be tempting they can result in a holiday hangover in January when t he bills come due Plan for purchases in advance shop around and pay cash

December Resolve to strengthen your finances to get through any tough times that may be ahead in the next year Review your budget to find ways to reduce or eliminate expenses avoid taking on new debt start (or add) to a ra iny-day fund and consider adjusting your withholding if you consistently receive a refund from the IRS

(PRINTER FRIENDLY VERSION]

Published by allUS Credit Union allus Creltllt union COpfllght copy 2014 allUs Credit Unlon All rights reserved

lll ~ reg IJ mJ W--- _ deg----------------------JMN

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV or Chip Cards

Member HighUghlsl

Take a Look at Our RolUng Billboards Thanks for Comecling with alUSI

Calendar of Financial Tips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun fer Kids 7 Secrets to Pain-Free Tax Filing Loans for This That amp The Other Thing

New Branch Update

Our New TV Spot Just Hit the Airwaves

This new animated spot positions the credit union as an alternative source to t radit ional banks This spot illust rates the relationship member s have with allUS as they put people before profits w ith lower fees higher y ield savings and lower interest rate loans This spot was conceived to graphically em body the credit unions message of combin ing one-to-one personal service and innovations In on line and mobile banking for a posit ively d ifferent financial outcome Cilek to view t he 30 spot

[PRINTER FRIENDLY VERSION )

Spring 2016

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV orChip Cards

Member HighAghlsl

Take a Look at Our Rolling Billboards

Thanks for Connecting with aUUSI

Calendar of Financial Tips

Our New TV Spot Just Hit Iha Airwaves

Making Financial Literacy Fun for Kids

7 Sacrats to Pain-Fraa Tax Filing

Loans for This That amp The Other Thing

New Branch Update

PAST ISSUES

FaH 2015 November 5 2015 Vol 1 Issue 6

Summer-2015 August 3 2015 Vol 2 Issue 3

Spring 2015 March JO 2015 Vol 1 Issue 4

Winter 2014 November 17 2014 Vol 1 Issue 3

Summer 2014 lune 5 2014

Spring 2014 February 10 2014

Making Financial Literacy Fun for Kids

As a parent you have dr eams for your k ids You wa nt t hem to be healt hy self -confident and successful And you also want them to learn how to manage money skillfu lly and responsibly

allUS Credit Union is holding a student art contest to coincide with National Financial Literacy Month in April

ENTRIES Open to all f ifth and sixth g rade students in the Salinas City Elem entary School District Each e ntry must have t he child s name school and teacher on the back of t he drawing THEME WHAT IM SAVING FOR IN THE FUTURE PRIZES 1st Prize $100 Savings Account at allUS Credit Union The classroom with the most subm issions wins a pizza party DEADLINE Artwork may be subm it ted between March 1 a nd Apri l 4 Mail to allUS Credit Union 20 W Market Street Salinas CA 93908 and highlight the school and classroom with t he entr ies Call 831-320- 3127 for artwor k pick-up

A comm it tee will select the 10 finalists and the d rawings w il l be high lighted o n Facebook and t he allUS website The 1st place winner and t he winning classroom will be chosen on Apri l 15 to coincide with National Financial Liter acy Month

gtlt8y entering the contest permission Is granted to allUS Credit Union co use and or

publsh the artwork The drawings are the sole property of alUS Credit Uni on for all

purposes and uses allUS Credit Union Is released from any claims or demands of

any kind of compensation profit or expenses arising by any reason by alUS Credit

Union using the artwork This program or act ivity ls not afflllated with or sponsored

by the Salinas City Elementary School District and the District has not sa een ed or

approved the program or Its personnel Permission to distribute this material Is not a

Dl stnct endorsement or recommendation wwwalfuscucom

[PRINTER FRIENDLY VERSION]

Published by alJUS Credit Union allUs Credit Union Copyrlght copy 2014 aUUs Credit Union All rights reserved

Spring 2016

HOME

IN THIS ISSUE

A Nole from Our CEO

EMV orChip Cards

Member HighAghlsl

Take a Look at Our Rolling Billboards

Thanks for Connecting with aUUSI

Calendar of Financial Tips

Our New TV Spot Just Hit Iha Airwaves

Making Financial Literacy Fun for Kids

7 Sacrats to Pain-Fraa Tax Filing

Loans for This That amp The Other Thing

New Branch Update

PAST ISSUES

FaH 2015 November 5 2015 Vol 1 Issue 6

Summer-2015 August 3 2015 Vol 2 Issue 3

Spring 2015 March JO 2015 Vol 1 Issue 4

Winter 2014 November 17 2014 Vol 1 Issue 3

Summer 2014 lune 5 2014

Spring 2014 February 10 2014

Making Financial Literacy Fun for Kids

As a parent you have dr eams for your k ids You wa nt t hem to be healt hy self -confident and successful And you also want them to learn how to manage money skillfu lly and responsibly

allUS Credit Union is holding a student art contest to coincide with National Financial Literacy Month in April

ENTRIES Open to all f ifth and sixth g rade students in the Salinas City Elem entary School District Each e ntry must have t he child s name school and teacher on the back of t he drawing THEME WHAT IM SAVING FOR IN THE FUTURE PRIZES 1st Prize $100 Savings Account at allUS Credit Union The classroom with the most subm issions wins a pizza party DEADLINE Artwork may be subm it ted between March 1 a nd Apri l 4 Mail to allUS Credit Union 20 W Market Street Salinas CA 93908 and highlight the school and classroom with t he entr ies Call 831-320- 3127 for artwor k pick-up

A comm it tee will select the 10 finalists and the d rawings w il l be high lighted o n Facebook and t he allUS website The 1st place winner and t he winning classroom will be chosen on Apri l 15 to coincide with National Financial Liter acy Month

gtlt8y entering the contest permission Is granted to allUS Credit Union co use and or

publsh the artwork The drawings are the sole property of alUS Credit Uni on for all

purposes and uses allUS Credit Union Is released from any claims or demands of

any kind of compensation profit or expenses arising by any reason by alUS Credit

Union using the artwork This program or act ivity ls not afflllated with or sponsored

by the Salinas City Elementary School District and the District has not sa een ed or

approved the program or Its personnel Permission to distribute this material Is not a

Dl stnct endorsement or recommendation wwwalfuscucom

[PRINTER FRIENDLY VERSION]

Published by alJUS Credit Union allUs Credit Union Copyrlght copy 2014 aUUs Credit Union All rights reserved

g

7 Secrets to Pain-Free Tax Filing

April 15 is a special day on the calendar - but probably not one youre celebrating Were talking ofcourse about Tax Day 2015s tax season has come and gone and it was quite a doozy So were here tospread the word about easy tax filintips we picked up Whether youre afirst-t ime filer or an experienced taxpayer use these seven tricks to smoothly sail through tax deadline day

1 Get Organized Easy tax fil ing is all about having the right documentation The moment you receive your first form get a folder or container to keep them together and secure Get an unknown form Look it up The more you know about the way taxes work the better youll be at finding refunds so it pays to be curious

2 Stay Ahead of the Game Dont procrastinate The longer you wait to file your taxes the less t ime youll have to resolve any issues you run into before Tax Day

3 Know Your Status As todays tax forms are recognizing more and di fferent kinds of living arrangements be sure to choose the right filing status People often m isunderstand the term Head of Household To fi le under this status you must have a qualifying dependent l iving in your home

4 Avoid Family Claim Conflicts Communication is key Students talk with your parents before you file to see if they ar e claiming you as a dependent This is an exemption that can only appear on one tax return Create an open d ialogue about each of your tax situations to determine the smartest way for everyone to file

5 Choose the Right Filing Method for You Youve organized and communicated so now its t ime to file Ther e are pros and cons to each method of filing but Its all about your pr eference Emiddot fi ling your taxes is accurate and speedy but may pose a higher audit or security r isk because of typos or possible identity theft While most taxes can be done electronically some complicated tax situations may call for paper filing Additionally if youre a first-t ime filer you may feel more comfortable going to see a tax pr eparer in person

6 Dont Overlook Deductions Make sure youre not forgetting anything Here are some common deductions that get overlooked bull State and local taxes bull Ch ild and dependent car e credit bull Job-search expenses bull Earned income tax credit bull Char itable contr ibutions paid th rough payroll deductions

7 FIie a n Extension if You Need To Filing for an IRS extension is free when you file an extension by the April 15 deadline This gives you more time if you bull Have any m issing or inaccurate information bull Will be out of town dur ing tax season bull Simply run out of t ime

[ PRINTER FRI ENDLY VERSION]

Published by allUS Credit Union allUs Credit Unlon COpyrfght 2014 allUs Credit Union All r ights reserved

A Note from Our CEO

EMV orChip Carns

Member HighHghtsl

Take a Look at Our Rolling Billboards

Thanks for Connecting with allUS

Calendar ofFinancial lips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun forKids

7 Seaets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

PAST ISSUES

Fan 201s November 5 2015 VOi 1 Issue 6

Summer 2015 August J 201s Vol 2 Issue J

Spring 201S Marcil JO 2015 YnlJl_

Winter 2014 November 17 2014 Vol 1 Issue J

Summer 2014 June S 2014

Spring 2014 February 10 2014

lI ____by_ lMH---------------------------

~~ reg I] IC

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV 01 Chip Cards

Member Highlights

Take a Look atOur RoiUng Billboards I Thanks for Connecting with allUSI

Calendar of Financial Tips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

PAST ISSUES

FaH 2015 November 5 2015 Vol l Issue 6

Summer2015 August 3 2015 Vol 2 Issue 3

Spring 2015 March JO 2015 Vol 1 Issue 4

Winter 2014 November 17 2014 Vol 1 Issue 3

Summer 2014 lune S 2014

Spring 2014 February 10 2014

Loans for This That amp The Other Thing Need Cash Borrow up to $10000 as low as 45 APR

Life can be expensive And since most people dont have extra cash stuffed in their mattress allUS Credit Union personal loans ar e here to help

all US Credit Union offers loans for j ust about anyth ing Whether its an unexpected medical bill remodeling your kitchen paying off your credit cards or buying t hat new TV for the man cave -well help you fu nd your next major life event whatever that may be1

Personal loans from allUS offer a variety of benefits Including

bull Loan amounts up to $ 10000 bull Interest rates as low as 4 5

APR bull Terms up to 48 months bull All -purpose low- interest loan bull No collateral required bull Payroll deduction or online

payment transfer for convenient repayment bull Simple no-hassle application

Appy for a Loan Online

(PRINTER FRIENDLY VERSION]

Published by allUS Credit Union allUs Credit Union Copyrightcopy 2014 allUs Credit Union All rights reserved

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO EMV or Chip Cards

Member HighUghtsl

Take a Look at Our Rolling BillboardsI Thanks for Connecting with allUSI

Calendar of Financial Tips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Sampaets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

New Branch Update

Whos getting excited for the new allUS branch In North Salinas We are

Significant r ain events in January have caused a few delays in t he progress but we continue to work towards the scheduled com pletion date of late spring Ride by and watch us grow

Youre going to love tile new digs so check out the progress

When we move we will be selling the fu rniture and fixtures in the current branch - from microwaves and a refrigerator to desks chairs cabinets tables and much more Contact Dana at 789-8031 for a list of it ems and pricing

( PRINTER FRIENDLY VERSION]

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO

EMV 01 Chip Cards

Member Highlights

Take a Look atOur RoiUng Billboards I Thanks for Connecting with allUSI

Calendar of Financial Tips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Seaets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

PAST ISSUES

FaH 2015 November 5 2015 Vol l Issue 6

Summer2015 August 3 2015 Vol 2 Issue 3

Spring 2015 March JO 2015 Vol 1 Issue 4

Winter 2014 November 17 2014 Vol 1 Issue 3

Summer 2014 lune S 2014

Spring 2014 February 10 2014

Loans for This That amp The Other Thing Need Cash Borrow up to $10000 as low as 45 APR

Life can be expensive And since most people dont have extra cash stuffed in their mattress allUS Credit Union personal loans ar e here to help

all US Credit Union offers loans for j ust about anyth ing Whether its an unexpected medical bill remodeling your kitchen paying off your credit cards or buying t hat new TV for the man cave -well help you fu nd your next major life event whatever that may be1

Personal loans from allUS offer a variety of benefits Including

bull Loan amounts up to $ 10000 bull Interest rates as low as 4 5

APR bull Terms up to 48 months bull All -purpose low- interest loan bull No collateral required bull Payroll deduction or online

payment transfer for convenient repayment bull Simple no-hassle application

Appy for a Loan Online

(PRINTER FRIENDLY VERSION]

Published by allUS Credit Union allUs Credit Union Copyrightcopy 2014 allUs Credit Union All rights reserved

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO EMV or Chip Cards

Member HighUghtsl

Take a Look at Our Rolling BillboardsI Thanks for Connecting with allUSI

Calendar of Financial Tips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Sampaets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

New Branch Update

Whos getting excited for the new allUS branch In North Salinas We are

Significant r ain events in January have caused a few delays in t he progress but we continue to work towards the scheduled com pletion date of late spring Ride by and watch us grow

Youre going to love tile new digs so check out the progress

When we move we will be selling the fu rniture and fixtures in the current branch - from microwaves and a refrigerator to desks chairs cabinets tables and much more Contact Dana at 789-8031 for a list of it ems and pricing

( PRINTER FRIENDLY VERSION]

Spring 2016

HOME

IN THIS ISSUE

A Note from Our CEO EMV or Chip Cards

Member HighUghtsl

Take a Look at Our Rolling BillboardsI Thanks for Connecting with allUSI

Calendar of Financial Tips

Our New TV Spot Just Hit the Airwaves

Making Financial Literacy Fun for Kids

7 Sampaets to Pain-Free Tax Filing

Loans for This That amp The Other Thing

New Branch Update

New Branch Update

Whos getting excited for the new allUS branch In North Salinas We are

Significant r ain events in January have caused a few delays in t he progress but we continue to work towards the scheduled com pletion date of late spring Ride by and watch us grow

Youre going to love tile new digs so check out the progress

When we move we will be selling the fu rniture and fixtures in the current branch - from microwaves and a refrigerator to desks chairs cabinets tables and much more Contact Dana at 789-8031 for a list of it ems and pricing

( PRINTER FRIENDLY VERSION]