All Summit Credit Union offices willbe closed:

Thursday, November 26— Thanksgiving Day

Thursday, December 24— Christmas Eve Day at Noon

Friday, December 25— Christmas Day

Friday, January 1— New Year’s Day

1

Upcoming Holidays MEMBER FEST 2015 — WE’RE STILL REMINISCING!

WHO WILL WIN $10,000?Join our 2015 Project Money participants as they reduce debt and increase savings,with the help of Summit financial coaches.Four new Project Money teams have been paired with Summit financial coaches to reduce debt, increase savings and achieve financial goals.

Meet Alane & Bishop

Bogged down with student loan debt and the expensesthat come with raising a child, this single mom is ready to plan for her futureand help others along the way.

Meet Becca, Joel & Taytum

After career changes and nearly a decade of school, this newlyengaged couple is ready to tackletheir past debts and work together

to blend their finances.

Meet Carrie, Chris, Logan & Ryan

After six years of financial instability,watch as this familyjumps off the “hamsterwheel” and onto a path toward success.

Meet Sheba and Karim

With big dreams — including buying their first home and starting a family — this couple knows they need to get their finances in order first.

Check out their stories and follow their blogs atSummitCreditUnion.com/ProjectMoneyto learn smartfinancial tips and root for your favorite to win the$10,000 grand prize!

DON’T MISS THESE SPECIAL OFFERSOpen a Summit Free Checking

1

account now and be entered to win iPhones and mobileservice for a year — for youAND your family!

2

Want a new Apple Watchtohelp manage your accountswhenever, wherever? Sign up for Online Branch now throughSeptember 30 and qualify to win!

3

With Summit’s Home Equity Line of Credit, you can borrow some of your equity back to get the homeupdate, new kitchen or roomier car you’ve always wantedfor the kind of money you can afford. Plus, for a limitedtime, we’ll throw in a $100 Visa gift card if you open aHome Equity Line of Credit.

4

1Minimum to open Free Checking account is $25. 2 Winner will receive (4) iPhone 6 mobile phones and $2,900 cash. Some restrictions apply. Some eligibility limitations apply. See SummitCreditUnion.com/iPhone or contact us for complete details. Winner responsible for all local, state and federal taxes as applicable. Offer valid 8/3/2015 – 9/30/2015. 3 Some restrictions apply. See SummitCreditUnion.com/ApplePay for complete details. 4 $100 VISA gift card available to borrowers who instruct Summit Credit Union to advance a minimum of $15,000 when the line is established. Offer valid 8/3/15 – 9/30/15.

NMLS 449323

Federally insured by NCUA

On May 31, 2015, nearly 1,900 members came together to

celebrate Summit and our collective success at Member Fest. Look back on all of the fun atSummitCreditUnion.com/MemberFest.

it’s your money. it’s your money.

OWN it. OWN it.

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 NCUA

,

, ..

All Summit Credit Union offices willbe closed:

Thursday, November 26— Thanksgiving Day

Thursday, December 24— Christmas Eve Day at Noon

Friday, December 25— Christmas Day

Friday, January 1— New Year’s Day

1

Upcoming Holidays MEMBER FEST 2015 — WE’RE STILL REMINISCING!

WHO WILL WIN $10,000?Join our 2015 Project Money participants as they reduce debt and increase savings,with the help of Summit financial coaches.Four new Project Money teams have been paired with Summit financial coaches to reduce debt, increase savings and achieve financial goals.

Meet Alane & Bishop

Bogged down with student loan debt and the expensesthat come with raising a child, this single mom is ready to plan for her futureand help others along the way.

Meet Becca, Joel & Taytum

After career changes and nearly a decade of school, this newlyengaged couple is ready to tackletheir past debts and work together

to blend their finances.

Meet Carrie, Chris, Logan & Ryan

After six years of financial instability,watch as this familyjumps off the “hamsterwheel” and onto a path toward success.

Meet Sheba and Karim

With big dreams — including buying their first home and starting a family — this couple knows they need to get their finances in order first.

Check out their stories and follow their blogs atSummitCreditUnion.com/ProjectMoney to learn smartfinancial tips and root for your favorite to win the$10,000 grand prize!

DON’T MISS THESE SPECIAL OFFERSOpen a Summit Free Checking1

account now and be entered to win iPhones and mobileservice for a year — for youAND your family!2

Want a new Apple Watch tohelp manage your accountswhenever, wherever? Sign up for Online Branch now throughSeptember 30 and qualify to win!3

With Summit’s Home Equity Line of Credit, you can borrow some of your equity back to get the homeupdate, new kitchen or roomier car you’ve always wantedfor the kind of money you can afford. Plus, for a limitedtime, we’ll throw in a $100 Visa gift card if you open aHome Equity Line of Credit.41 Minimum to open Free Checking account is $25. 2 Winner will receive (4) iPhone 6 mobile phones and $2,900 cash. Some restrictions apply. Some eligibility limitations apply. See SummitCreditUnion.com/iPhone or contact us for complete details. Winner responsible for all local, state and federal taxes as applicable. Offer valid 8/3/2015 – 9/30/2015. 3 Some restrictions apply. See SummitCreditUnion.com/ApplePay for complete details. 4 $100 VISA gift card available to borrowers who instruct Summit Credit Union to advance a minimum of $15,000 when the line is established. Offer valid 8/3/15 – 9/30/15.

NMLS 449323

Federally insured by NCUA

On May 31, 2015, nearly 1,900 members came together to

celebrate Summit and our collective success at Member Fest. Look back on all of the fun atSummitCreditUnion.com/MemberFest.

it’s your money.it’s your money.

OWN it.OWN it.

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

NCUA

,

, . .

DON’T MISS OUT ON A CASH BOOMERANG!

Last year, Summit Cash Boomerang members earnedmore than $1.4 million! (Amazing!)

Cash Boomerang2 is a unique membership benefit. Alongwith any Summit checking account, the more you saveand borrow with Summit, the more cash you could getback in your Cash Boomerang each November!

The amount that comes back to you depends on theoverall financial success of Summit, and how much yousave and borrow at Summit. You can increase yourpotential payout simply by borrowing and saving with Summit.

Not a Summit checking account member? Come on in or open your account online at SummitCreditUnion.comto get started on your way to a potential cash backmembership reward.

FREE DOCUMENT SHREDDINGProtect against identity theft. Shred your documentsfor free at SHREDFEST on Saturday, October 10, 2015.

SHREDFEST — Madison8:30 - 11 amSummit Credit Union | 2424 Rimrock Rd

SHREDFEST — Milwaukee8:30 - 11 amSummit Credit Union | 10015 Greenfield Ave2 No minimum balances are required to be eligible for the program. Any fees/charges applied to an account will reduce the account balance, and result in less dividends earned. A checking account had to be opened as of 9/30/14 to be eligible for the program. Only members in good standing at the date of the payout will receive payment as long as the Cash Boomerang computes to $10 or more, with a maximum of $1,000. Cash Boomerang is typical but not guaranteed. Cash Boomerang is a dividend and subject to tax reporting.

ENJOY A NEW WAY TO BUY YOUR NEXT CARSummit’s concierge service is your exclusive memberauto-buying program, where you get personal assistancefrom beginning to end, saving you time and money. We’llguide you throughout the entire auto buying process;connect you with an authorized concierge that will helpyou locate the car you’re looking for through our exclusivedealer network; and help you save with pre-negotiatedpricing. We’ll also help you with Summit financing inbranch, over the phone or right at the dealer. VisitSummitCreditUnion.com to get started today!

CONGRATULATIONS TO OUR WINNERSCongrats to Erica, winner of aMacBook Pro through our studentchecking promotion! Erica is a new member through Summit'sLaFollette High School Branch,open to students and faculty.

Congrats to Thomas B. ofMerrimac, WI — our winner ofthe MINI Cooper CheckingPromotion! Not only did he win by opening a checkingaccount with Summit, he now

has a MINI Cooper to enjoy. Thanksto all who participated!

JOIN US FOR THE 5th ANNUAL CO-OP CONNECTIONSaturday, October 3rd8:30 am - Noon | Martin Luther King Jr. Blvd. Madison, WIJoin Summit and over 20 other local cooperatives andlearn more about cooperatives and how they give backto the local communities.

While you’re here, enjoy music, family activities, a sampling of products and more!

TURN YOUR MOBILE PHONE INTO YOUR SUMMIT DEBIT OR CREDIT CARDMobile payments are a way to make a purchase in astore, through an app or online, using your phone insteadof a debit or credit card. This common option includesApple Pay™ (New! at Summit), Google Wallet and coming soon — Android Pay.

• No more wallets. Everything you need to make apurchase is right on your phone.

• It's fast.Many mobile payment options let youpurchase and pay in just one step.

• It's safe. Each time you buy something, the mobilepayment system creates a secure, encrypted codethat can only be used to pay for that transaction.The merchant never has access to your credit ordebit card information.

Plus, when you make your Summit debit orcredit card your default payment method,you get the same security and rewards withevery purchase.

• 24/7 fraud monitoring and ZeroLiability protection.1 You're protectedfrom unauthorized and fraudulent charges.

• Optional account alerts via email or text. Keep trackof your charges and know right away if someoneelse is using your card.

• Rewards! Get the same great rewards no matter howyou use your Summit Platinum Rewards credit card!

Use your Summit card on your phone anywhere you see the PayWave® symbol at checkout.

1 Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.2 3it’s your money.it’s your money.

OWN it.OWN it.

Coming soon

DON’T MISS OUT ON A CASH BOOMERANG!

Last year, Summit Cash Boomerang members earnedmore than $1.4 million! (Amazing!)

Cash Boomerang2 is a unique membership benefit. Alongwith any Summit checking account, the more you saveand borrow with Summit, the more cash you could getback in your Cash Boomerang each November!

The amount that comes back to you depends on theoverall financial success of Summit, and how much yousave and borrow at Summit. You can increase yourpotential payout simply by borrowing and saving with Summit.

Not a Summit checking account member? Come on in or open your account online at SummitCreditUnion.comto get started on your way to a potential cash backmembership reward.

FREE DOCUMENT SHREDDINGProtect against identity theft. Shred your documentsfor free at SHREDFEST on Saturday, October 10, 2015.

SHREDFEST — Madison8:30 - 11 amSummit Credit Union | 2424 Rimrock Rd

SHREDFEST — Milwaukee8:30 - 11 amSummit Credit Union | 10015 Greenfield Ave2 No minimum balances are required to be eligible for the program. Any fees/charges applied to an account will reduce the account balance, and result in less dividends earned. A checking account had to be opened as of 9/30/14 to be eligible for the program. Only members in good standing at the date of the payout will receive payment as long as the Cash Boomerang computes to $10 or more, with a maximum of $1,000. Cash Boomerang is typical but not guaranteed. Cash Boomerang is a dividend and subject to tax reporting.

ENJOY A NEW WAY TO BUY YOUR NEXT CARSummit’s concierge service is your exclusive memberauto-buying program, where you get personal assistancefrom beginning to end, saving you time and money. We’llguide you throughout the entire auto buying process;connect you with an authorized concierge that will helpyou locate the car you’re looking for through our exclusivedealer network; and help you save with pre-negotiatedpricing. We’ll also help you with Summit financing inbranch, over the phone or right at the dealer. VisitSummitCreditUnion.com to get started today!

CONGRATULATIONS TO OUR WINNERSCongrats to Erica, winner of aMacBook Pro through our studentchecking promotion! Erica is a new member through Summit'sLaFollette High School Branch,open to students and faculty.

Congrats to Thomas B. ofMerrimac, WI — our winner ofthe MINI Cooper CheckingPromotion! Not only did he win by opening a checkingaccount with Summit, he now

has a MINI Cooper to enjoy. Thanksto all who participated!

JOIN US FOR THE 5th ANNUAL CO-OP CONNECTIONSaturday, October 3rd8:30 am - Noon | Martin Luther King Jr. Blvd. Madison, WIJoin Summit and over 20 other local cooperatives andlearn more about cooperatives and how they give backto the local communities.

While you’re here, enjoy music, family activities, a sampling of products and more!

TURN YOUR MOBILE PHONE INTO YOUR SUMMIT DEBIT OR CREDIT CARDMobile payments are a way to make a purchase in astore, through an app or online, using your phone insteadof a debit or credit card. This common option includesApple Pay™ (New! at Summit), Google Wallet and coming soon — Android Pay.

• No more wallets. Everything you need to make apurchase is right on your phone.

• It's fast.Many mobile payment options let youpurchase and pay in just one step.

• It's safe. Each time you buy something, the mobilepayment system creates a secure, encrypted codethat can only be used to pay for that transaction.The merchant never has access to your credit ordebit card information.

Plus, when you make your Summit debit orcredit card your default payment method,you get the same security and rewards withevery purchase.

• 24/7 fraud monitoring and ZeroLiability protection.1 You're protectedfrom unauthorized and fraudulent charges.

• Optional account alerts via email or text. Keep trackof your charges and know right away if someoneelse is using your card.

• Rewards! Get the same great rewards no matter howyou use your Summit Platinum Rewards credit card!

Use your Summit card on your phone anywhere you see the PayWave® symbol at checkout.

1 Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.2 3it’s your money.it’s your money.

OWN it.OWN it.

Coming soon

All Summit Credit Union offices willbe closed:

Thursday, November 26— Thanksgiving Day

Thursday, December 24— Christmas Eve Day at Noon

Friday, December 25— Christmas Day

Friday, January 1— New Year’s Day

1

Upcoming Holidays MEMBER FEST 2015 — WE’RE STILL REMINISCING!

WHO WILL WIN $10,000?Join our 2015 Project Money participants as they reduce debt and increase savings,with the help of Summit financial coaches.Four new Project Money teams have been pairedwith Summit financial coaches to reduce debt, increase savings and achieve financial goals.

Meet Alane & Bishop

Bogged down with student loan debt and the expensesthat come with raising a child, this single mom isready to plan for her futureand help others along the way.

Meet Becca, Joel & Taytum

After career changes and nearlya decade of school, this newlyengaged couple is ready to tackletheir past debts and work together

to blend their finances.

Meet Carrie, Chris,Logan & Ryan

After six years offinancial instability,watch as this familyjumps off the “hamsterwheel” and onto a pathtoward success.

Meet Sheba and Karim

With big dreams — including buying their first home and starting a family — thiscouple knows theyneed to get their finances inorder first.

Check out their stories and follow their blogs atSummitCreditUnion.com/ProjectMoney to learn smartfinancial tips and root for your favorite to win the$10,000 grand prize!

DON’T MISS THESE SPECIAL OFFERSOpen a Summit Free Checking1

account now and be entered to win iPhones and mobileservice for a year — for youAND your family!2

Want a new Apple Watch tohelp manage your accountswhenever, wherever? Sign upfor Online Branch now throughSeptember 30 and qualify to win!3

With Summit’s Home Equity Line of Credit, you can borrow some of your equity back to get the homeupdate, new kitchen or roomier car you’ve always wantedfor the kind of money you can afford. Plus, for a limitedtime, we’ll throw in a $100 Visa gift card if you open aHome Equity Line of Credit.41 Minimum to open Free Checking account is $25. 2 Winner will receive (4) iPhone 6 mobile phones and $2,900 cash. Some restrictions apply. Some eligibility limitations apply. See SummitCreditUnion.com/iPhone or contact

us for complete details. Winner responsible for all local, state and federal taxes as applicable. Offer valid 8/3/2015 – 9/30/2015. 3 Some restrictions apply. See SummitCreditUnion.com/ApplePay for complete details. 4 $100 VISA gift card available to borrowers who instruct Summit Credit Union to advance a minimum of $15,000 when the line is established. Offer valid 8/3/15 – 9/30/15.

NMLS 449323

Federally insured by NCUA

On May 31, 2015, nearly 1,900 members came together to

celebrate Summit and our collective success at Member Fest. Look back on all of the fun atSummitCreditUnion.com/MemberFest.

it’s your money.it’s your money.

OWN it.OWN it.

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

NCUA

,

, . .