Your Member-Owned, Nonprofit, Merger-Free Credit Union

April 2019 Anyone can join

Anyone can join

Better Connected!

VISA Credit CardsPick your perks!

Choose this card if…

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

APR for Balance Transfers

APR For Cash Advances

Grace Period for Repayment of the Balance for Purchases

25 days from Billing Cycle Closing Date

Minimum Finance Charge per Billing Cycle

$0.50

Method of Computing Balances for Purchases

Average Daily Balance (including current purchases)

Fees

Annual Fee

Balance Transfer Fee

Cash Advance Fee

Foreign Transactions

Late Payment Fee

Over Credit Limit Fee

Replacement Fee

Returned Payment Fee

• We do mortgages the way.

• We have an mortgage department.

• Meet Mortgage Loan Officer, JoAnn Pugh.

We have made big improvements in our mortgages services for members. We bought into a new mortgage company, and we now have an mortgage department and an mortgage loan officer. Meet JoAnn Pugh, Mortgage Loan Officer.

JoAnn has office hours in each office. She can also be reached at 616-527-3900 x101 or 616-481-2654.

Timothy P. Hemenway

POWER

5555 1234 9876 7777

12/19SALLY MCDONALD

5555GOODTHRU

VISA Credit CardsPick your perks!

Choose this card if…

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

APR for Balance Transfers

APR For Cash Advances

Grace Period for Repayment of the Balance for Purchases

25 days from Billing Cycle Closing Date

Minimum Finance Charge per Billing Cycle

$0.50

Method of Computing Balances for Purchases

Average Daily Balance (including current purchases)

Fees

Annual Fee

Balance Transfer Fee

Cash Advance Fee

Foreign Transactions

Late Payment Fee

Over Credit Limit Fee

Replacement Fee

Returned Payment Fee

POWER

25 days from Billing Cycle Closing Date

$0.50

Average Daily Balance (including current purchases)

M1 CURewardsEarn points. Get stuff.

POWER

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99999999999999999999912/1/1912/1912/192/1912/192/2/192/1912/192/19/12/112/112/192/192/192/2/1912/1112/112/1922/192/1922/1912//112/1912/191 /192// 912/12/2/12/191 /// 9912/1112/12122//112/112/12222/11111112/112/1112/1912/1912/19SALLY MCASASALSALLY MCDSALSALLY MCALLY MCSALSALSALLY MCDMMSALLY MMCDCDCDMCALSALALSALLY MMCDCCCCMCCDDSSSSAA MMCDMMCDMCDCCCCDMCDDDDALA CMMMCDCCDCDALS MMCCDDSA MCM DDASALAA M DAAAA M DSSSALSASALLY MCDMMM DDONANALONAAONAAONALONAONNALNONAONAAONANAAONAONAONONAAOONANNOOONAAOOOONNALOONAAAONNALLSALLY MCDSALLY MCDSALLY MCDONALONALONALLDLDLDLDLDLDDLLLDDLLDDDDDLLDDDDLDLLDDDDDLDLLLDDDDDDLLDDDDDLDLDLDLLY LLYLYLYLLYLYLYLYYLLY LLYYLYYYYYLYYYYLLYYLLLLLLYYLYLLLLLYLLLLLLLYYLLYLLYLY

5555GOOODTHRURU

MPowerLow rate. High power.

you want to earn points for cash

back, travel, gift cards, merchandise

and more for every dollar you

spend using your credit card.

you plan to carry a balance rather than

pay off your bill in full each month.

A low interest card helps you save

money on finance charges over time.

Fixed at 12.90% Fixed at 9.90%

Fixed at 12.90% Fixed at 9.90%

Fixed at 14.00% Fixed at 12.00%

None None

None Greater of 2% or $10

None None

1% for Foreign Transactions 2% for Foreign Transactions

$15 $25

$20 None

$10 (card) & $10 (PIN) None

$15 $35

M1 CURewardsEarn points. Get stuff.

POWER

5555555555 15555 15555 15555555555555555 1555555555 15555 1115555 1155555555555555555555 111111 11155555555555555555555555555 11555555555 1555555 555555555555555555555555 5 15 1555 5555555555 115555555 11234 982234 98234 9834 982 8234 98234 9898234 98234 982234 9822 8222 899234 99988888222 89988882 9882234 99982 88234 9222234 982 8882234 982234 982222 82222 8 6 7666 766 76 76 776 76 7776 776666 76 7777776 77776 76 76 76 77776 7777776 76 776 76 77666 7776 77766 776666 7776 77776 7666 7777766 776 766 77766666 775555 15555 15555 1234 98234 98234 98 6 776 7776 777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777777234 9234 98234 9834 9834 934 9834234 9834 98234 983434 98234 988234 9823234 9834 983334 9834 984 94234 9834 999334 98234 9234 9234 9834 934 934 984 98234 984 98934 934 9984 934 93 934 9834 98234 983434 9834 834 983344 934 9334 98444 84 983 9833434 87777777777777777777777777777777777777777777234 98234 98234 98777555555555555555555555555555555555555555555555555555555555555555555555555555555555

99999999999999999999912/1/1912/1912/192/1912/192/2/192/1912/192/19/12/112/112/192/192/192/2/1912/1112/112/1922/192/1922/1912//112/1912/191 /192// 912/12/2/12/191 /// 9912/1112/12122//112/112/12222/11111112/112/1112/1912/1912/19SALLY MCASASALSALLY MCDSALSALLY MCALLY MCSALSALSALLY MCDMMSALLY MMCDCDCDMCALSALALSALLY MMCDCCCCMCCDDSSSSAA MMCDMMCDMCDCCCCDMCDDDDALA CMMMCDCCDCDALS MMCCDDSA MCM DDASALAA M DAAAA M DSSSALSASALLY MCDMMM DDONANALONAAONAAONALONAONNALNONAONAAONANAAONAONAONONAAOONANNOOONAAOOOONNALOONAAAONNALLSALLY MCDSALLY MCDSALLY MCDONALONALONALLDLDLDLDLDLDDLLLDDLLDDDDDLLDDDDLDLLDDDDDLDLLLDDDDDDLLDDDDDLDLDLDLLY LLYLYLYLLYLYLYLYYLLY LLYYLYYYYYLYYYYLLYYLLLLLLYYLYLLLLLYLLLLLLLYYLLYLLYLY

5555GOOODTHRURU

MPowerLow rate. High power.

you want to earn points for cash

back, travel, gift cards, merchandise

and more for every dollar you

spend using your credit card.

you plan to carry a balance rather than

pay off your bill in full each month.

A low interest card helps you save

money on finance charges over time.

Fixed at 12.90% Fixed at 9.90%

Fixed at 12.90% Fixed at 9.90%

Fixed at 14.00% Fixed at 12.00%

None None

None Greater of 2% or $10

None None

1% for Foreign Transactions 2% for Foreign Transactions

$15 $25

$20 None

$10 (card) & $10 (PIN) None

$15 $35

VISA Credit CardsPick your perks!

Choose this card if…

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

APR for Balance Transfers

APR For Cash Advances

Grace Period for Repayment of the Balance for Purchases

25 days from Billing Cycle Closing Date

Minimum Finance Charge per Billing Cycle

$0.50

Method of Computing Balances for Purchases

Average Daily Balance (including current purchases)

Fees

Annual Fee

Balance Transfer Fee

Cash Advance Fee

Foreign Transactions

Late Payment Fee

Over Credit Limit Fee

Replacement Fee

Returned Payment Fee

VISA Credit CardsPick your perks!

Choose this card if…

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

APR for Balance Transfers

APR For Cash Advances

Grace Period for Repayment of the Balance for Purchases

25 days from Billing Cycle Closing Date

Minimum Finance Charge per Billing Cycle

$0.50

Method of Computing Balances for Purchases

Average Daily Balance (including current purchases)

Fees

Annual Fee

Balance Transfer Fee

Cash Advance Fee

Foreign Transactions

Late Payment Fee

Over Credit Limit Fee

Replacement Fee

Returned Payment Fee

HOMEmade Just For You

Message from the CEO:

Anyone can join Check Your Balance at a Glance on Mobile.View your balance from the login screen. No password. No waiting.

Annual Privacy Notice Your annual Privacy Notice is available

online at M1ccu.org/privacy.

To request a paper copy, please call your at 616-527-3900.

Dormant Account Reminder A $10 monthly dormant account fee applies to savings and checking accounts with no member initiated activity for 24 months when the account owner is age 18 or older.

You Deserve High-Tech with High-Touch! What will offer you?1. Mobile bill pay: pay bills via Mobile

2. PopMoney: also known as “people pay.” Send and request money to and from individuals from any financial institution

3. Account to account transfers: transfer to and from accounts and accounts from other financial institutions

4. More great features such as quicker bill payments with the option for same day and next day, easier entry of new payees (address auto-fill), electronic bills of your payees sent right to your account, and more!

5. Get away from using checks! All pay is quicker, safer and cheaper than checks. With ’s new policy, members will only receive one box of free checks per year. Now is the perfect time to make a change.

Referring a friend is easy:• You go to

MichiganOneChecking.com

• Your friend opens a checking at .

• You get an email with a $10 Amazon eGift Card.

The Privilege With Us, You’re CoveredNo matter what life throws at you, is there:

• Overdraft Protection

• Overdraft Privilege Standard Coverage

• Overdraft Privilege Extended Coverage

• Overdraft Privilege Max Coverage

Anyone can join

Better Connected!