Member NewsSummer 2017

TRAVEL INSURANCE: SCU offers travel insurance for our members, which can be purchased at any of our branches. Contact your Member Services Representative today to find out more.

DING FREE®: SCU is part of a network of credit unions offering all members the ability to use ATMs without added surcharges. With more than 1,900 ding free ATMs country-wide, you can travel easy knowing that your cash is available when you need. Remember to download the ding free ATM locator app from your favorite mobile store to help you find the nearest surcharge-free ATM, wherever you are!

CHOICE REWARDS® MASTERCARD®: Every SCU Mastercard includes global acceptance at millions of locations, lost or stolen card assistance, and emergency cards and cash. This can make your travel easier – and with the CHOICE REWARDS program you’ll earn points that you can use toward your next trip!

CURRENCY EXCHANGE: If your summer travel plans include a pit stop in the United States, SCU offers U.S. dollars to our members at one ATM in each branch. This service is available 24 hours a day.

TRAVEL LOANS: Canada 150 celebrations are a once in a lifetime opportunity to enjoy all that our country has to offer. If you are looking for a loan to support your plans with some extra cash, consider trying SCU’s new online application. Visit scu.mb.ca/apply to learn more and get started!

Don’t miss out on all the Canada 150 celebrations happening across the country. Visit canada.pch.gc.ca to find out more!

It's time to get out and enjoy Canada.

®ding free is a registered trademark of Central 1 Credit Union, used under license. ®CHOICE REWARDS is a registered trademark of FIA Card Services, National Association used pursuant to license. ®MASTERCARD is a registered trademark owned by MasterCard International Incorporated and is used under license.

Happy Birthday, Canada! This summer, the whole country will be celebrating Canada 150 with special events and activities from coast to coast. If your summer plans include taking part in the festivities, SCU has you covered with a variety of products and services that make your travel safe and easy.

If there’s one thing that defines life in Manitoba, it’s having a cottage getaway to enjoy all that the outdoors has to offer. SCU understands that living the cottage dream is important. That’s why we’ve created a customized mortgage solution that will help get you there.

At SCU, we’re experts when it comes to cottage financing. Whether you’re building on or purchasing owned or leased land we can work with you to find a creative solution.

In sitting down with a lending specialist, you will discuss all of the flexible and convenient options available. Along with our local decision making, SCU’s financing options start with as little as 15% down. Our goal is to offer all of the same convenience, flexibility, and commitment to personalized service that our members expect.

What’s more, SCU has built relationships with a network of professionals that can help you through the process. From legal advice to cottage inspections and more, our partnerships can give you peace of mind while financing your perfect getaway. This is just another way SCU can help you make your dreams come true.

Start the conversation today by applying online. It’s fast, easy, and SCU offers the same commitment to personalized service that you’ve come to expect.

Learn more and get started by visiting www.scu.mb.ca/apply today.

Switch to online statements.In addition to helping protect the environment and reducing paper waste at home, switching to online statements is a great way to help you organize your statement history. SCU Direct® keeps seven years of statements all in one convenient location. Simply call SCU at 1.800.728.6440, visit us in-branch, or login to SCU Direct to make the switch today!

Free and secure shredding. Drop off your unwanted documents into our locked collection bins between July 15 and September 23. Or, come in to any SCU branch on September 23 between 10 am and 2 pm and Iron Mountain will shred all documents on-site. For those who have larger quantities to shred, we kindly ask that you visit us on Shred Day so that we have the space in our collection bins to accommodate all members.

Living the cottage dream.

Life's tricky. Paying shouldn't be.SCU is proud to be the first Manitoba credit union to introduce Mobile Pay for our members! Now you can use your Android™ phone to pay for everyday purchases. Mobile Pay uses INTERAC® Flash technology (the same technology that’s in your debit card) to harness the power of your card without ever opening your wallet.

IT’S FAST. Use your Android phone to pay for everyday purchases with INTERAC Flash. A click or two and you are on your way! Look for retailers that display the INTERAC Flash logo or the contactless symbol.

IT’S EASY. Simply download the latest version of the SCU Mobile Banking app. Then, load your SCU MEMBER CARD® into your NFC-enabled phone and you are ready to go! No need to key in a PIN or take a card from your wallet.

IT’S SECURE. SCU is committed to protecting your privacy and security, offering the safest services available. Feel confident that you’re protected with passcode verification, transaction limits, and zero customer liability.

®MEMBER CARD and MEMBER CARD design are registered certification marks owned by Credit Union Central of Canada, used under license. ®SCU Direct is a registered trademark of Steinbach Credit Union Ltd.

A wide-screen TV might entice you. A tropical beach might beckon. Or, consider these top tips on how you can spend your tax return.

• Add to your emergency fund. Set aside enough cash to cover six months of expenses, just in

case the unexpected happens.

• Pay down credit cards and other high interest debt. You’ll save money on interest charges and increase your

monthly cash flow.

• Jump start next year’s RRSP. Contributing early allows you to take advantage of all those

extra months of tax-free growth.

• Invest in a Tax-Free Savings Account. Growth or earnings in a TFSA are 100% tax free.

The 2017 contribution limit is up to $5,500.

• Pay down your mortgage. Lump sum payments on your outstanding principal will save

significant dollars in interest charges over the long term.

• Save for a child’s education. Invest in a Registered Education Savings Plan on behalf of a child or

grandchild and you’ll qualify for a government-sponsored Canada Education Savings Grant of between 20-24% of the contribution (to a maximum of $600, depending on your income level).

Remember, how you spend your money today will have a significant impact on your future. Talk to a Credential® Wealth Management Consultant for advice on how to get your tax refund working for you.

Member News Summer 2017

As an SCU member, you’ve already discovered SCU’s great rates and outstanding service. If you spread the news, you get a chance to win a great prize!

Pick up a referral card at any SCU branch or download a copy at www.scu.mb.ca/referral, add your contact information. Then pass the

card along to someone you know who could benefit from becoming an SCU member. If they join, you’ll be entered for a chance to win 1 of 3 Apple® Watches, Series 2.

One prize per SCU branch will be awarded! Entry deadline is August 31, 2017.

Refer a new member and you could win!

®Interac, the Interac logo and Interac Flash are trademarks of Interac, Inc. Used under license. ™Android is a trademark of Google, Inc.

Getting a tax refund?

Book an appointment today!

®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.

®MEMBER CARD and MEMBER CARD design are registered certification marks owned by Credit Union Central of Canada, used under license. ®SCU Direct is a registered trademark of Steinbach Credit Union Ltd.

Do you have what it takes to serve as a passionate leader and have a strong interest in how your credit union operates? Are you interested in joining a dedicated Board committed to leading SCU into the future? If you are interested in becoming a director, or know someone who would be, please contact the Board of Director’s Nomination Committee by Monday, October 2, 2017. SCU is one of the largest credit unions in Canada and we’re looking for strong leaders to help shape the vision for SCU.

Elections will be held at our Annual General Meeting in March 2018. This year, SCU members will be electing three 3-year term positions.

Note that Board nominations will not be accepted at the Annual General Meeting.

Nominations and / or questions should be sent to:

NOMINATION COMMITTEESteinbach Credit Union 333 Main St., Steinbach, MB R5G 1B1Or email rfunk@scu.mb.ca

All information in this newsletter is subject to change without notice and is not binding on decisions made by SCU.

Do you have what it takes to lead?

DorisMartensDirector

Bruce PennerDirector

Henry Van de Velde

2nd Vice-Chair

Reg Penner

Chairman

RobertDueck

Director

Russ Fast

1st Vice-Chair

RobPennerDirector

MariaReimerDirector

AmandaPeters

Director

Are you looking to build a new deck to enjoy your outdoor space with family and friends? Or, perhaps this summer you are looking for your first or next home? SCU is pleased to introduce online applications to streamline the process of your loan, line of credit, or mortgage application! You’ll still enjoy the exemplary service

we are committed to giving our members, all with the added convenience of getting the process started online.

Visit www.scu.mb.ca/apply today to start the conversation!

Summer projects just got easier.

You are approached by someone you suspect is a fraudster, in person or by email. The good news is that you’ve already taken the first step by recognizing a potential scam. The second step is rejecting it. It’s equally important to report suspected scams to the Competition Bureau or one of its partners. Be a scam-buster. Help the Government of Canada’s Competition Bureau gather the evidence needed to stop criminals from defrauding others.

HERE’S HOW YOU CAN HELP:

• Take note of the name used by the person who approached you, what they were trying to get you to do, and when it happened.

• If it was by telephone, write down the phone number.• If it was online, make a print-out or take a screen shot of the

webpage, particularly pages that promote the product or service, any terms and conditions, and payment information.

• Try and get an exact copy of the webpage address.• If contacted by email, save a copy and take note of

the IP address.

The Competition Bureau urges Canadian consumers and businesses to take action and report fraud. It’s easy, confidential, and you will be helping to make a difference in the lives of others. Visit www.competitionbureau.gc.ca to learn more. (Excerpt from Mar. 28, 2017 article from the Competition Bureau of Canada)

Don't let fraudsters get away with it.