If your vehicle is damaged beyond repair or stolen, your insurance company may only pay what the vehicle is worth—which is often less than what you owe on your loan. Guaranteed Asset Protection (GAP) helps protect your loan against the unforeseen by cancelling the difference between the vehicle’s value and the balance of your loan.

West Virginia Federal Credit Union offers GAP & MRC ProtectionGuaranteed Asset Protection (GAP)

Getting an auto loan at the right rate is important, protecting that auto is just as important. Having the right protection for those unexpected breakdowns could mean having MEMBER’S CHOICE® Mechanical Repair Coverage (MRC). Mechanical Repair Coverage helps ensure that major repairs to your car are covered when the unexpected happens.

Call today for more details at 304-744-MYCU (6928).

Mechanical Repair Coverage (MRC)

As the temperature drops outside, it becomes tempting to stay inside, especially when you can accomplish so much from the comfort of home with WVFCU’s 24/7 Convenient Services.

Stay Warm With Our 24/7 COnvenient ServiCeS

Loans – $ 81,165,024.11

Deposits – $131,750,994.75

Assets – $148,997,904.05

Capital Ratio – 11.17%

Members – 9,561

$TATISTICS

Holidays 2016Martin Luther King, Jr. DayMonday, January 18, 2016

Presidents DayMonday, February 15, 2016

• Attractive NEW and USED rates• Flexible Terms and automatic payments• Lending Decisions made locally• Pre-approvals for hassle free shopping

If you need a vehicle, West Virginia Federal Credit Union has the loan to fit your needs! Call or stop by to get your loan started today!

All loans are subject to current underwriting guidelines and credit approval. Actual Annual Percentage Rates (APR’s) range from 2.24% to 9.99% for new autos & 2010 and newer used autos. Rates range from 3.24% to 14.24% on 2006 & older used autos. Maximum terms range from, 38-75 months for used auto and 38-75 months for new autos and are based on your credit history, score, model year, loan-to-value. An example of repayment would be 62 payments of $350.79 at an APR of 3.24% for $20,000.00 borrowed with a credit score of 700-739. Rates are accurate as of Nov. 6, 2015 and are subject to change without notice. Collateral insurance is required. Additional terms and conditions may apply.

Roll in the New Year

with a New or

Used Auto

(304) 744-MYCU (6928)

IRA Contribution

Dead Line

Friday, April 15

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Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency

Winter 2016WWW.Wvfcu.org

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EMV Chip Cards Coming Soon to our cardholders starting in 1st Quarter 2016. Information programmed into the chip is personalized for your account and each transaction is unique, adding a new safeguard against fraud.

When will we begin reissuing the cards?

• We will begin reissuing chip cards starting in 1st Quarter 2016, and will be doing a natural rollout based on each current cardholder’s card expiration date. The new cards will arrive in the mail.

• This process is expected to take approximately 2 years to complete.

• Consumers opening new accounts will receive a chip card at the time of reissuance.

Pending Transactions can also be deployed to the mobile banking platform. This will work on both the iPhone and Android apps as well as iPhone optimized web-based mobile banking. Once activated, Pending Transactions will appear in the normal list of posted transactions; however, Pending items will be listed at the top and will be designated as “Pending.”

You can see an example to the left. The top two transactions are noted as pending and they represent the difference between the current and available balance.

Mobile AppWest Virginia Federal Credit Union is pleased to announce the release of our new Mobile 3.0 upgrade in November. Mobile 3.0 is a tremendous uplift to the style and framework of the mobile banking functions inside of the login. This new version features a cleaner, next-gen style along with a revamped, persistent navigation structure.

Connect to WVFCU’s Mobile app to view all your finances quickly and securely, available on iPhone & Android. Take your finances into your own hands today and download our app. Located in the App Store as WVFCU Mobile for iPhone’s and Google play for Androids or on our website.

To start using the app you must be enrolled in online banking.

ALL NEW ENROLMENTS MUST BE COMPLETED FROM A PC, TABLET, MINI TABLET OR IPAD FOR THE FOLLOWING:

• First time Online Banking signup • eStatements – First time signup option/or change election • Bill Pay – first time signup/or change election

Options available: • Account Information • Search Checks • Transfer Funds o Cross Member* o Member to Member* o P2P/Paypal* • Pay Bills • Change Password* *New Feature

EMV Chip Cards

WVFCU is pleased to announce a new feature to our eBranch Online Banking:

Pending Transactions

Pending Transactions : Mobile

New Features

This feature allows members to view their Pending Transactions (debit card authorizations) within the Account Center screen of online banking. When the system detects a variance between the current and available balances, an icon will appear next to the account name indicating that eligible Pending Transactions may be available.

When a user clicks on the icon, a new display box will appear on screen and display the date, dollar amount and merchant name of any pending transactions

Members may see the green pending transactions icon, although the system does not return any data. In those cases, members would see the message to the left.

For details go to www.wvfcu.org, select Products and Debit Card. Educational video available.

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Does life feel like a balancing act? Features of a WVFCU Home Equity Line• Local Decisions• No HELOC Annual Fee for life of loan - Typically a $500 to $1,000 value• No Closing Costs - Typically a $425 to $525 value• No Origination Fee - Typically a $125 value

Benefits of a WVFCU Home Equity Line• Potential tax deductibility of interest*• Purchase a car, RV, etc.• Remodel your home• Pay education tuition• Take that Vacation

* Please consult your tax advisor regarding the deductibility of interest. Fixed Rate Home Equity Loan Options Are Also Available for terms of 5, 10 and 15 years!

All Lines are subject to credit and income approval. Maximum loan-to-value (LTV) is based on credit history and appraised value. Maximum LTV is based on credit score up to an 89% combined loan balance of all liens. Home Equity Lines of Credit are secured by your residence that is held as collateral. Interest rate is variable based on predetermined margins added to the prime lending rate which is published in the Wall Street Journal and may vary quarterly. Actual margin is based on the home’s loan to value ratio, lien position, owner occupied status, applicant’s credit history and the amount of the credit line. Your home must be a single-family, owner occupied residence. Manufactured homes do not qualify. Hazard insurance is required. Flood insurance where applicable, is required. Borrower responsible for costs to resolve title issues and structural inspection, if necessary. Additional terms and conditions may apply.

Home Equity Loans Can Help. . .

SAVE THE DATEApril 16, 2016 @12pmSOUTH CHARLESTON

COMMUNITY CENTERAfter the meeting, join us for an hour of BINGO!

ANNUAL MEETING

The West Virginia Federal Credit Union 2016 Annual Meeting Election for the Board of Directors will not necessitate an election by electronic ballot. Two three-year term positions will be filled by Roger Summerfield (incumbent) and Greg Cox (incumbent). A business meeting will be conducted on April 16, 2016 at 12 noon at the South Charleston Community Center Gymnasium.

IMPORTANT NOTICE CONCERNING THE 2016 BOARD OF DIRECTORS ELECTION

The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.

THE SMARTER WAY TO YOUR BIGGEST REFUND -

TurboTax

West Virginia Federal Credit Union has teamed up with Love My Credit Union Rewards TurboTax® program to get you your maximum refund, savings of up to $15 on TurboTax federal products, and a chance to win $25,000! Just try TurboTax Online for FREE (and provide your email address) by February 18th to be automatically entered in the TurboTax $25,000 Payday Sweepstakes. Start TurboTax now!

This year, file your taxes the smarter way, and get your biggest possible refund – guaranteed. TurboTax® guides you every step of the way. Plus, you can save up to $15 on TurboTax federal products.

• TurboTax translates taxes into simple questions about your life and puts everything in the right forms for you.• TurboTax searches over 350 deductions and credits, so you won’t miss a thing.• TurboTax runs error checks and a final review to help make sure your taxes are done right.

The TurboTax credit union member discount is just one of many member discounts available with the Love My Credit Union Rewards program. Members have saved over $1.4 billion with exclusive offers from these great partners:

• Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data service. • Plus, waived activation fee on new lines and upgrade fees ($36 savings each)• Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal.• Save up to $15 on TurboTax Federal tax products• Save on services for your home from ADT, DIRECTV, Allied, and more• Earn cash back when you shop at over 1,500 online retailers with Love to Shop

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Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data service. Plus, waived activation fee on new lines and upgrade fees ($36 savings each)Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal.Save up to $15 on TurboTax Federal tax productsSave on services for your home from ADT, DIRECTV, Allied, and moreEarn cash back when you shop at over 1,500 online retailers with Love to Shop

Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about.

West Virginia Federal Credit Union is excited to offer you exclusive discounts and benefits on products and services you use every day. Credit union members have already saved over $1.4 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.

*Based on individual roadside assistance plan

LocationsMain Office:

318 5th AvenueSouth Charleston, WV 25303

304-744-MYCU(6928) • FAX: 304-744-1993

St. Albans Location:2355 MacCorkle Avenue

Route 60, St. Albans, WV 25177304-729-3000 • FAX: 304-729-0909

Nitro Location:207 Main AvenueNitro, WV 25143

304-755-7393 • FAX: 304-755-9803

Huntington Location:2600 5th Avenue

Huntington, WV 25702304-525-0541 • FAX: 304-525-4733

eBranch: www.wvfcu.orgPAT: 304-744-CU24(2824)

Love Your SavingS!

The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.

Each New Year offers hope for a new start. We often set resolutions that quickly fade with the stresses of life. But with just a few tips and a little support, you can make 2016 the year you move forward toward financial security, making your dreams become reality.

Are you on track to meeting your financial goals for 2016?

The first step to finding common ground with your finances is to take time to talk about money. Don’t wait for overspending, overdrafts or a financial crisis. Define your values and goals together and clarify the difference between needs and wants.

It’s also important to teach children about the value of money and how to use it responsibly. Partners like Jump$start Coalition and National Endowment for Education (NEF) are making this easier. Programs such as Money As You Grow and Smart About Money, offer tips to incorporate financial literacy into everyday conversation as early as age 2.

Still feeling overwhelmed? Don’t be afraid to ask for help. When it comes to financial advice, many Americans feel lost in the middle. They are not living in poverty, but they also do not have a large amount of wealth to invest. An AFC (Accredited Financial Counsellor) provides unbiased financial guidance to help you manage our finances, develop a budget, eliminate debt and maintain positive behaviours.

1. Set aside time to talk

With established values you are ready to create your budget. There are some great tools out there to get you started. You can explore options such as Mint or YNAB, but even an excel document will work. Choose something that is user-friendly and works for you. Set a time each month to check in and evaluate your goals and your progress. Make adjustments or improvements based on your unique situation.

2. Create a budget.

Many people in debt feel trapped and overwhelmed, but remember that even small steps can have a dramatic effect on financial stability.

3. Focus on small steps that have big returns.

Just paying a small amount above the minimum payment each month can have a fairly dramatic affect. As little as $15 to $25 more could help you pay off a credit card debt 5 to 10 years sooner. Also, credit card companies are required to include information about accelerating your payoff on your monthly statement, so take a look.

4. Pay off credit card debt.

Check with your employer. Most companies allow you to take money out of your paycheck pre-tax to pay for expenditures such as dependent care and health care. But Make sure you only take out what you need- if you don’t spend it you lose it!

5. Utilize a flexible spending account.

Thanks to compound interest, your money grows exponentially over time. A small contribution now can mean larger returns later. An easy first step? If your company offers a 401(k), at the very minimum you should contribute the amount that they will match—if not, you are essentially turning down free money.

Make 2016 the year you finally check off those “to-do’s” that seem so insignificant now, but can affect you drastically later. Build an emergency fund, set up a life insurance policy, create a living will and open a 529 plan to begin saving for your child’s education.

6. Save for retirement.

7. Prepare for “what ifs.”

7Easy Tips for a Financially Fit 2016

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