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Are You Burning Money on Delivery Apps?Get Involved at Members HertitageMobile Deposit

Page 6Locations and HoursHoliday ClosingsShred-It Event Cancelled

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Jingle Bills LoanTriple Your ScoreCard Points!Indirect Lending Christmas Club

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Skip-a-PaymentHave an Auto Loan with Someone Else?Shop Safely Online

Fall 2020IN

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www.mhcu.org

Saving Money Is Easy with Round Up Savings!

See page 2 for details.

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How to Save Money on EverythingRound Up SavingsMembers Insurance Services

HAPPY CREDIT UNION MONTH!

* This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Auto Loan in-house refinances must take $1,000 in new money. Auto Loan promotion valid 10/1/2020-10/31/2020. No purchase necessary. One entry per person. You may write your name and full mailing address, email address and phone number on a 3”x5” index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY 40511.

** APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Contact Members Heritage for current rate information. 5-20-year terms available. MHCU refinances require an additional $2,500 in new financing. Excludes title insurance expenses, if applicable. Proof of homeowners insurance is due at closing. Member saves an average of $100-$450 on closing costs throughout this promotion. MHCU is an equal housing lender. Promotion is valid in Kentucky and Indiana, only. Consult your tax advisor regarding potential tax benefits on interest paid. Promotion valid 10/1/2020-12/31/2020. No purchase necessary. One entry per person. You may write your name and full mailing address, email address and phone number on a 3”x5” index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY 40511.

***eStatement promotion valid 10/1/2020-10/31/2020. Ten dollars will be deposited into account within 2 weeks after promotion ends.

At Members Heritage, we are celebrating Credit Union Month in October. This is our way of saying thanks to each of you for your loyalty with MHCU. Specials for the month include:

• Auto Loans – Always Low Auto Loan Rates! Buy a New Car, get a preowned car or refinance with your current loan from another institution and save money with Members Heritage.

You will have a chance to win $250 when you book your auto loan with us during the month of October.* Plus, we will donate $250 to a charity of your choice!

• We’re waiving our fees on Home Equity Lines of Credit and 2nd Mortgages!** You will also receive a chance to win $250, plus another $250 will go to the charity of your choice.

• Go Green with eStatements – sign up for eStatements and you’ll receive a $10 deposit into your account!***

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In a time when we are all looking for ways to save, it may be time to review your insurance costs. Contact Members Insurance Services to shop and find the best available insurance for your needs! Go to mhcu.org or call for a quote, 844-431-8569.

Save money without even having to think about it with MHCU’s Round Up Savings!*

• Debit card transactions are “Rounded Up” to the next whole dollar amount.

• The “Rounded Up” funds are deposited daily into your share savings account.

Start Saving Today! Enroll at mhcu.org

How to Save Money on EverythingPaying for the basics is getting more and more expensive. Looking for ways to stretch your budget? Try these tips to trim your everyday expenses.

Members Heritage is here to help! Learn more about managing your money and building your savings at 859-259-3466 or mhcu.org.

FOOD• Cook from scratch. The cost of buying

ingredients is much cheaper than buying prepared food, so get creative in the kitchen!

• Cut back on meat. Swap out a meat-based meal with a vegetarian meal.

• Buy in bulk. If you have storage space, buying in bulk can help you save big.

AUTO• Drive smart. Keep your

speed down to save on gas (and avoid speeding tickets).

• Review auto insurance. Find out if you’re eligible for any discounts.

• Walk or bike instead. You’ll get a little exercise and save money too!

HOME• Save on energy. Turn

off electronics not in use, switch to energy-efficient lightbulbs and set your thermostat to save energy.

• Shrink your bills. Consider dropping unnecessary features for TV, internet and wireless services.

• Use online bill pay. Stay on top of utility bills and save on postage, too!

LIFESTYLE• Skip memberships. Cancel

clubs and subscriptions you don’t need.

• Find free fun. Check out free virtual tours of museums, zoos and historical sites.

• Don’t forget senior and student discounts. Take advantage of discounts if you’re eligible!

* ACH transactions do not round up. For terms and conditions go to mhcu.org.

And itʻs FREE!

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Get Involved at Members Heritage

The Board of Directors is made up of qualified, volunteer credit union members. As a member of our Board, you can help shape the future of the credit union while using your skills to contribute to its mission.

Anyone wishing to run for the Board of Directors must notify the Nominating Committee by Nov. 30, 2020. Contact Lisa at 859-259-3466 x 7239 for more information and to learn the necessary qualifications to volunteer.

Don’t want to run for the Board? MHCU has several volunteer committees that meet periodically to make decisions about our operations, marketing, compliance issues and more. Member involvement is key to our success!

Mobile Deposit

Deposit Checks On-the-GoDeposit checks without driving to a branch or putting checks in the mail! Use the Members Heritage Mobile App to make deposits in a snap with your iPhone® or Android™ device or scan and upload check images for electronic deposit into your account.

Mobile Deposit is available to qualified members* by downloading the free Members Heritage App from Apple’s App StoreSM or from the Google Play™ for Android. * You must be enrolled in online banking in order to access the mobile app. Eligibility for Mobile Deposit is subject to Credit Union approval. Mobile deposit is for checking accounts only. There is currently no cost for using this service. iPhone® is a trademark of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android™ and Google Play™ are trademarks of Google, Inc. Members Heritage is not endorsed, sponsored, affiliated with or otherwise authorized by Apple, Inc. or Google, Inc.

MOBILE DEPOSIT – QUICK TIPSTo ensure there are no issues in processing your mobile deposit check, please make sure to: 1. Sign/endorse the back of the check the same way it is

made payable.2. Underneath the signature, write “For Mobile Deposit

Only.”By following these tips, you will be able to enjoy the freedom of not making a trip to the credit union!

Are You Burning Money on Delivery Apps?

You expect to pay a tip and delivery fee when ordering food for delivery — especially when you’ve got a nighttime craving. That’s just the cost of convenience. But it might be costing more than you think by ordering from your favorite restaurants via delivery app.

You may be paying hefty — and in some cases — hidden fees for using these services. Estimates on how much more you pay vary depending on where you live, which app you use and the restaurant you choose.

Typically, you’ll be charged a percentage of the restaurant’s food costs, but there’s more. Restaurants, especially some large chain restaurants, may hike the price of meals ordered through delivery apps.

Extra fees might be added for ordering during peak hours, when driver availability is limited, or for getting something small like a sandwich. And don’t forget to include sales tax. When you add it all up, the markup on using food delivery apps could be taking a big bite out of your budget!

Ways to Save You don’t have to dig deeper into your pockets to eat well. Here are a few ideas to consider.

Opt for takeout. You can still enjoy ordering meals from your favorite restaurant, but you save money by picking it up yourself.

Try your hand at home-cooked meals. You can save a bundle when you plan meals and buy groceries with coupons or take advantage of in-store specials. If you need dinner in a hurry, pick up a prepared meal from your local grocer.

Whether you’ve never boiled water or you’re interested in mastering a particular type of cuisine — you can learn how to make it online. The internet is brimming with websites offering recipes and how-to videos by cooking enthusiasts and renowned chefs.

Order out less often. If you can’t imagine going cold turkey, then try limiting how and when you use delivery apps to order food. Perhaps you want to splurge for a special occasion or bring food in when you’re feeling under the weather.

As you start taking more control of your expenses, keep the momentum going. Use the money you’re saving to open or grow your savings account at Members Heritage.

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Guard your debit and credit cards from fraud

Members Heritage is looking out for your security with fraud monitoring and built-in security features to prevent unauthorized access to your accounts. Together we can work to stop fraud and keep your debit and credit card accounts safe.

When you’re shopping online, you’re on a quest to find what you need — fast. But you should also be on the lookout for security. Shop online safely and guard your cards with these tips.

Shop on legitimate websites. Stay safe by shopping with reputable companies you know.

Use secure connections. Don’t shop online while using public Wi-Fi.

Lock down your devices. Secure your computer and mobile devices with strong passwords and biometric features.

Monitor your accounts. Review your transactions to verify that the charges are correct.

Set up alerts. Sign up for email or mobile alerts for your accounts.

Report fraud. Notify your financial institution immediately if you suspect fraudulent activity.

Shop Safely Online

SKIP-A-PAYMENTNeed a little more cash around the holidays?

You can now skip a loan payment* and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped.

To take advantage of this offer, you can fill out the form at mhcu.org (under Loans/Apply Online/Other) or print out a coupon, fill it out and return by mail or bring it to one of our convenient locations.* In order to participate, all loans must be current, and accounts must be in good

standing. Loans that have an extension or payment modification within the last year may not qualify. This offer does not apply to first mortgages, home equity loan/second mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability and/or credit life insurance may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply.

Have an Auto Loan with Someone Else?Refinance your auto loan with Members Heritage and receive

$150!*

First payment is not due for 60 days.

* $10,000 minimum loan amount. Does not include in-house refinances.

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Triple Your ScoreCard Points! Nov. 23-Dec. 31

JINGLE BILLS LOANStart your holiday shopping with a little help from us!*

Borrow up to $2,500!

Take up to a year to repay!

You will be entered to win $100 Cash!* This credit union and its policies comply with the Equal Credit Opportunity Act.

All credit offers and rates are subject to approval. Drawing will occur in November, December and January. Jingle Bills Loan available 10/1/2020-12/31/2020. No purchase necessary. One entry per person. You may write your name and full mailing address, email address and phone number on a 3”x5” index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY 40511.

Christmas ClubIt’s time to go shopping! For those of you that opened a Christmas Club* account this year, your balance will be deposited in your primary account on October 1. Happy Shopping!

Remember: It’s never too early to start saving for next year! Open a Christmas Club account for just $5 and add to it anytime, in any amount you wish.

Ask us for more details.

* Christmas Club accounts limited to one per member.

From November 23 through New Year’s Eve, you can earn Triple ScoreCard Points on your Members Heritage Mastercard or Visa credit card! For every dollar you spend, you’ll triple your points!

ScoreCard gives you great options on redeeming points. ScoreCard provides everything from cash back credit, gift cards and charity gift cards to merchandise and travel options! To redeem your points, go to www.scorecardrewards.com.

Don’t forget to use your credit card this holiday season and Triple Your Points!

Indirect LendingYour time is money, and at MHCU, our Indirect Lending program can save you both! Find your dream car and finance it with Members Heritage right on the lot at participating dealerships. Simply tell the salesperson you are a Members Heritage member and request that your loan be with us – no need for a special trip to the credit union. Indirect Lending dealers can even open new accounts, so your family may also be eligible for our financing.

For a list of participating dealerships close to you, go to mhcu.org. Or give us a call at 859-259-3466.

440 Park Place | Lexington, KY 40511

MHCU Board of Directors Bobby A. Flynn – ChairmanJim Allen – Vice ChairmanMike Proctor – SecretaryManlus “Les” Burton – TreasurerMike Harding – DirectorMichelle Thomas – Associate Director

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from ©Getty. ©2020 Members Heritage

Federally Insured by NCUA

Like us on Facebook!www.fb.com/MembersHeritage

Find us at:

Holiday ClosingsHoliday Closings

Park Place440 Park PlaceLexington, KY 40511859-259-3466800-359-3466Fax 859-455-7281Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Federal Medical Center (FMC)(Employee Access Only)Temporarily Closed3301 Leestown RoadLexington, KY 40511859-255-7687800-359-3466Fax 859-255-7687Lobby HoursM–F 8 a.m. to 4:30 p.m.

Pimlico3202 Custer DriveLexington, KY 40517859-259-3466800-359-3466Fax 859-455-7255Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Members Way2420 Members WayLexington, KY 40504859-259-3466800-359-3466Fax 859-455-7302Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Winchester 339 Shoppers DriveWinchester, KY 40391859-737-3671800-359-3466Fax 859-737-3675Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to Noon

Lexmark(Employee Access Only)Temporarily ClosedLexmark Building 003Lexington, KY 40511859-259-3466 800-359-3466Lobby Hours M–F 8 a.m. to Noon

Nicholasville1039 N. Main StreetNicholasville, KY 40356859-887-3674800-359-3466Fax 859-887-3819Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to Noon

Locations and Hours

Columbus Day

Monday, October 12

Veterans Day

Wednesday, November 11

Thanksgiving Day

Thursday, November 26

Christmas Eve

Thursday, December 24 @ 1pm

Christmas Day

Friday, December 25

New Year’s DayFriday, January 1

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Visit Us Online. Be sure to check out www.mhcu.org on

a regular basis. Find news, articles and

information about your credit union.

At Members Heritage CU, the health and safety of our members and staff is always our first priority. We continue to monitor the developing coronavirus (COVID-19) situation and are taking preventive measures to ensure the safety of everyone. Our lobbies continue to be open with guidelines including wearing of face coverings, 6 ft social distancing, and regular sanitizing of all workstations. As always, access to your deposit accounts is available 24 hours a day through our Online Banking and Mobile App. Members Heritage is also a member of the All Point ATM network offering over 55,000 surcharge fee ATM machines nationwide.

Shred-It Event CancelledIn order to keep our members and employees safe this year, we have cancelled the Shred-It event at our Park Place branch this month. There will be no events through the end of the year. We apologize for any inconvenience this may cause.