It’s easy to create a monthly household budget. The difficult part is sticking to it. Although you can count on the cost of fixed expenses every month such as your mortgage or car payments, budgets can also get off track when you start overspending on items such as dining out and entertainment.

These types of expenses should still be part of your monthly budget. A reloadable card is meant to be used for the long-term. It’s not a gift card. Often, you can even have a portion of your paycheck automatically loaded on to the card. Plus, it’s much safer than carrying around a large amount of cash.

Reloadable cards are also great if you have credit challenges, or if you are unable to open a traditional checking account. If you have difficulty managing your account and often incur overdraft fees, a reloadable card will prevent you from overspending. If you try to make a purchase and you have an insufficient amount of money loaded on to your card, then the transaction will be denied.

Many parents also utilize reloadable cards to help teach their kids to manage money responsibly. The card eliminates the risk of having a child spend too much money while giving them the opportunity to learn proper account management.

Reloadable cards also come equipped with the same EMV chip technology that you will find on credit and debit cards. Visit your favorite branch location to learn more.

Avon:APEX Power Group, LLC

Bedford:Big O TiresDenny’s

Bloomfield:Quilts of Valor-Southern Indiana

Brownsburg:DC CapitalSharp Properties

Evansville:Centurion FCU Acquired Groups

Franklin:NWS Group, LLCSuzy’s Teahouse & BakeryAnna’s Style BoutiqueBall Management Group, LLCJOCO Crossfit

Mooresville:Zydeco’s

Newberry:Battery Innovation Center

Terre Haute:Great Dane TrailersLarge Ink

Washington:Dun Lookin RV SalesOpen Door Community Church

Mobile Deposit and Mobile Bill Pay Now Available Make Life Easier

VISA Reloadable Cards

Welcome New SEGs

Fall 2015 Edition

Whether you’re packing the latest in handheld technology, or you’re content with a no-nonsense cell phone, Crane has a secure mobile banking solution to fit your lifestyle with text messaging, mobile website, or free apps for Apple and Android devices.

Crane Mobile is the fast, free* and secure way to:

• Deposit checks• Pay bills• Check account balances and transaction history• Transfer funds between eligible accounts• Make loan payments• Locate an ATM or Branch

*Message and data rates may apply from your wireless carrier

Visit us at cranecu.org or contact a branch location for more information.

Members ..................... 36,615 Total Loans .......$267,867,521 Total Shares ......$370,686,982 Total Assets ......$439,451,135

as of 8-30-15

Statement ofFinancial Condition

Federally Insured by the NCUA.

Crane Federal Credit Union and Centurion Federal Credit Union have merged.

As part of the agreement, Centurion Federal Credit Union will now be referred to as Centurion, A Branch of Crane Credit Union.

Crane will maintain the existing Centurion staff members along with their 3 branches in Evansville, IN.

“We are thrilled to be working with members and staff at Centurion,” said Crane CEO Bob Downs. “This merger will help strengthen the products and services offered by Centurion and we look forward to serving members and being part of the Evansville community.”

Corporate Office1 West Gate Drive Odon, IN 47562(812) 863-7000

Bedford1201 James Avenue(812) 276-2900

Bloomington3855 West Jonathan Drive (812) 323-9200

Camp AtterburyBuilding 502(812) 526-1342

Crane Base300 Hwy 361(812) 854-0111

Evansville- Deaconess Main Campus520 Mary St. Suite 210(812)422-1936

Evansville-First Avenue2511 First Ave.(812)422-1936

Evansville-MLK100 Martin Luther King(812)422-1936

Franklin2028 N. Morton Street(317) 346-0139

Linton2033 E. State Rd. 54(812) 847-0777

Loogootee2 Loogootee Plaza(812) 295-4555

Plainfield905 Southfield DriveSuite 190(317) 838-8300

Plainfield - Duke Energy1000 E. Main Street(317) 837-9950

Terre Haute1125 Ohio Street(812) 232-8051

Terre Haute North5650 N. 13th St.(812) 466-2705

Washington2102 State Street(812) 254-0444

Branch Locations

Welcome Centurion Federal Credit Union Members!

Join Us In Chicago

Work With Someone You Trust

Columbus Day Monday, October 12th

Veterans Day Wednesday, November 11th

Thanksgiving Day Thursday, November 26th

Christmas Day Friday, December 25th

New Years Day Friday, January 1st, 2016

Holiday Closings

Annual Meeting Note: On August 24th, 2015 the Board of Directors, staff and members of CFCU attended the 59th Annual Meeting. Chairman Gary Gray reviewed Director Nominees and the election process. Gary Gray, Dale Padgett, and Jeff Schafer were elected to three year terms, in accordance with Credit Union By-Laws. Gary Gray - Chairman Kenneth Greenwell - DirectorDale Padgett - Vice Chairman Teresa Reed - DirectorBruce Cummings - Treasurer Jeff Schafer - DirectorDavid Frye - Secretary

Join members and their guests on the annual weekend trip to Chicago, November 14-15. Kick off the holiday season as you shop and marvel at the city’s architectural beauty. Also visit museums, a world class aquarium, or enjoy a fabulous play! For more information on this popular trip, contact Travel One at (812) 279-3935 or email: debbie-hicks@sbcglobal.net.

The financial advisor located at the credit union offers personalized retirement, insur-ance and investment solutions designed to help you and your family realize a lifetime of financial security. Call today for a no-cost, no-obligation appointment.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CBSI-923290.1-0514-0616 © CUNA Mutual Group, 2014

Matthew Akers, Financial AdvisorCrane Investment and Trust ServicesLocated at Crane Federal Credit Union800-692-3274, ext. 7571Cell: 317-525-6633Matt.Akers@cunamutual.com