H o m e e q u i t y L e n d i n g

B o r r o w A f f o r d A B l y

®

Homeowners know that equity is a valuable resource that offers affordable lending solutions for big ticket expenses. u X FCu can Customize a Home equity Loan to fit your exact need –

at a low, low rate and flexible terms.

Home equity Line of Credit introductory Rate of

2.99%APr*

For 12 months

®

1293 Freedom Rd. Cranberry twp., PA 16066

fax: (724) 779-4656

888-219-3159 • www.usxfcu.org

15-00753 2/16 marketing Partners

Use Your Home’s Equity To Your AdvantageThe equity in your home can be used to borrow at a low rate, with custom terms, allowing you to afford those larger expenses. Use the money for whatever you may need.

*APR = Annual Percentage Rate. 2.00% introductory APR offer available for new lines of credit only for the first twelve (12) months from closing date. Rates thereafter are adjusted on a quarterly basis and are indexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective december 1, 2015, based on the Wall Street Journal Prime Rate (3.25%) as of September 20, 2015, in accordance with loan term. maximum rate adjustment is 2.00% in a calendar year. Rate cannot go below 4.00%. minimum Real estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or ohio. All loan approvals are subject to normal loan underwriting guidelines. this is a limited time offer. Programs, rates and conditions are subject to change at any time. See credit union for all details.

• Home improvements and upgrades

• Vacations

• Education expenses

• Debt consolidation

Borrow To Fit Your NeedsWhether you get a Fixed Home Equity Loan or a Home Equity Line of Credit, you’ll have the funds you need at a payment that makes sense.

Apply Today!To apply, simply print your application from our website at www.usxfcu.org, visit one of our convenient local offices and pick up an application or call 888-219-3159 and one of our experienced representatives will be waiting to help you.

FIRST CLASS MAIL

U.S. PoSTAgePAID

LehIgh VALLey, PAPermit #550

These rates are adjusted on a quarterly basis and are indexed to a Prime Rate as published in the WALL STREET JOURNAL (WSJ). Rate adjusted effective July 1, 2019, based on the WALL STREET JOURNAL. Prime rate is (5.50%) as of June 20, 2019, in accordance with loan terms. *Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.0%. Minimum Real Estate secured loan amount $10,000.

Property must be owner occupied and primary residence located in Pennsylvania or Ohio.

Fall 2019 Volume 29 Issue 3

U$X Federal Credit Union®

Get the Rate & Payment that's Right for YOU!Rates as low as:

APR*

APR*

APR*

2.44 % 2.74 % 2.94 %

for up to48 months

for up to60 months

for up to72 months

Rates are Falling!

*APR = Annual Percentage Rate. No additional discounts may be applied to rate. Rates can change at any time and restrictions may apply. Other rates and terms available. Current U$X FCU loans are not eligible for refinancing. The rate applicable for each borrower will be based on their individual creditworthiness. All loan approvals are subject to normal loan underwriting guidelines.

The Board of Directors and Staff would like to welcome the following new companies, associations

and their employees or members to U$X FCU:

Remember if your co-workers are not yet members of U$X FCU, you can get paid for introducing them to

the credit union. Ask our staff how.

U$X FCU "Where Membership is a Rewarding Experience"

PRESIDENT'S REPORT - Financial Peace in Times of Turbulence The world is changing. Frequently at a pace that can make one’s head spin and possibly cause us to be anxious. Your credit union is here to help. We offer services, information and assistance all designed to help you chart your course and manage your finances. No two members are identical. The better we know you, the better we will be able to help you navigate the troubled waters of financial uncertainty.It is hard to tell what is going on in the world, in our economy, and in the political realm. Based on my somewhat limited research, things may not be as good as we hope, but they seem to be much better than the doom and gloom headlines I frequently see. None of us have a crystal ball. We need to make decisions for our future with the information we have or with additional information we may acquire. Below please find a couple of subjects for your consideration. Credit – Good credit is better and cheaper than bad credit. Good credit comes from making payments on time, using your credit wisely and not overextending yourself. Interest rates should continue to be flat and remain at historical lows. As a borrower this is good for you. Meet with one of our Loan Service Representatives. They can show you how to get started, how to fix what is broken and how to make your money go further. Saving – If you are concerned that the economy may be shaky, then it is time to increase your savings. U$X FCU is safe and secure. We have strong capital and above average savings rates. Payroll deductions and direct deposit makes the task easier. Out of sight out of mind makes savings almost painless. Speak with one of our Member Service Representatives to get started. Investments – Looking to manage your resources to accelerate growth? You may wish to consider some prudent investments to increase your yields. Speak to Nathan Rodgers our U$X Financial Group - Financial Advisor for a financial review. Nathan can help you build a plan to achieve your financial goals. Retirement – Want to retire one day? Time is your friend. Start saving now and talk to U$X Financial Group while you are young. The sooner you start, the better your retirement will be. We can help you stretch your resources with the ideal mix of wise credit use, savings and financial growth to make retirement a reality. Protecting your data – U$X FCU maintains high security standards with its software, employees, programs and data. U$X FCU does not sell member data. Have you ever read the fine print when you establish an account or download an app? You would be amazed how much of your data is floating around in the cyber world. U$X FCU is a safe place with which to do business. Take advantage of the security tools which we make available. Consider E-Statements, Net Branch, ID Shield, and Card Valet to mention a few valuable resources. Convenience – U$X FCU has established a number of electronic channels to manage and move your money. Direct deposit, Remote Capture check deposits, 90,000 surcharge free ATMs, debit cards, ATM Cards and of course Net Branch. You can also make withdrawals as part of your point of sale purchases at many merchants. Manage your money anytime and anywhere.A change is coming to our ATM network availability. In November, PNC will no longer share their ATMs with our members at no charge. U$X FCU will not charge you anything for using any ATM machine which you choose, but the owner of the machine may do so. Deposits are generally surcharge free, but other transactions are not. Our website www.usxfcu.org contains four different ATM locators which will assist you in locating and choosing a new favorite ATM at which to transact your business. Many of our members conduct the majority of their remote transactions from one or two trusted locations.

Wishing you a bright financial future.

David R Ackerman, President/CEO

Appalachia Transfer ServicesClub Loose IICooper Signs

Greenspace ServicesGT Logistics

Jefferson Health & RehabilitationKilkeary’s Auto Body

MarkWest Energy Partners, LP - a wholly-owned subsidiary of Marathon Petroleum Corp.

Petroleum Technical ServicesWright Business Systems, Inc.Zavasky Remodeling Solutions

NOTICE OF ELECTION An election to fill two vacancies on the U$X FCU® Board of Directors will be held at the Annual Meeting scheduled for April 2020. The date and location of the meeting will be announced in the very near future. No nominations will be accepted from the floor. A Nominating Committee appointed by the Chairman will nominate candidates for election to the Board of Directors. The Nominating Committee will select one nominee for each vacant seat on the Board. Interested members can become a candidate for Board Membership by requesting a “Petition Packet” from the Nominating Committee. The “Petition Packet” will require the member to obtain the name, address, account number and signature from 1% of the membership as of the previous year-end. The petitioner must submit the complete packet to the Nominating Committee by December 3, 2019. The Nominating Committee will then validate the candidate and verify the information submitted in the “Petition Packet”. Once the Nominating Committee has approved the candidates, the names of all qualified candidates running for election to the Board will appear on the ballot at the Annual Meeting. A short biography of each candidate will appear in the next quarter’s newsletter. The members present at the Annual Meeting will vote to determine who will serve on the Board of Directors. Any member of the credit union at least 18 years of age may qualify to serve on the Board of Directors. If you have an interest in serving, you may request a “Petition Packet” by writing to: Chairperson, Nominating CommitteeU$X Federal Credit Union, PO Box 1728, Cranberry Twp., PA 16066Request for “Petition Packet” must be received no later than November 9, 2019.

Please refer to our Website www.usxfcu.org/disclosures, or stop into a branch office to request an updated copy of our

Error Resolution Notice effective September 2014.

U$X FCU"Where Membership is a Rewarding Experience"

IMPORTANT NOTICE TO MEMBERSEffective November 2019, PNC Bank ATMs will NO LONGER be free of charge to U$X Federal Credit Union members for cash withdrawals. Your deposits will continue to be free of charge.

PNC Bank has decided to terminate our 20 year partnership allowing service charge free use of their ATMs to U$X FCU members. This will remove approximately 7,000 ATMs from our service charge FREE network.

However, as a U$X FCU member, you will have access to over 90,000 ATMs nationwide that will continue to be service charge FREE. The networks or convenience store ATMs listed below will provide you with access to your money FREE of charge. Many of the networks also have a cellphone app to help you locate a FREE ATM near you anywhere in the country.

(55,000 ATMs) App Available-Located at Target, CVS, Walgreens, Rite Aid and Speedway

(25,000 ATMs) App Available - Located at Credit Unions around the US

(5,000 ATMs) App Available - Located at Credit Unions and Community Banks around the US

(5,000 ATMs) No app available - All participating Pennsylvania Credit Unions

Also, remember, when you use your U$X FCU debit card at many retail locations, you can request cash back at NO Charge.

SKIP THE TRIP…TO THE CREDIT UNION!Relax and SAVE money, time, effort and help save our planet by signing up for U$X FCU’s FREE E-Services.• Online Banking• Online BillPay• Mobile Telephone Banking w/ Remote Deposit• E-Statements – no more paper!To learn more and to sign-up visit www.usxfcu.org or visit your local U$X FCU off ice.

Order your 2020 U$X FCU CalendarA limited supply of both the 2020 wall and pocket calendars have been ordered. They will be distributed on a first-come, first-served basis. If you have requested a calendar in previous years, you must renew your request for the current year to confirm your interest in receiving a calendar. If you would like a U$X FCU 2020 calendar, clip the order form from your newsletter, fill it out and mail it to the credit union.Calendars are scheduled to be delivered to the credit union in early November. Orders will be f illed after delivery.Calendar Request Form Wall Pocket (Please print)

Name:____________________________________ Mailing Address: _________________________________________________________________

Please mail this form to: U$X FCU - Calendars PO Box 1728 Cranberry Twp PA 16066

U$Xtra! Quiz Answer the following questions regarding U$X FCU® and win $251. What is the HOT Fall LOW interest rate for a U$X FCU New Auto Loan for 72 months? a. 2.44% APR b. 2.94% APR c. 2.74% APR2. The Allpoint ATM network has how many service charge FREE ATMs for you as member of USX FCU to use? a. 45,000 b. 55,000 c. 65,000 d. 90,000 3. To schedule an appointment with Nathan Rodgers the U$X Financial Group advisor and get advice on retirement, insurance and investment strategies, it will cost you? a. A million dollars b. $4.95 c. Zip, Zero, Nothing…It’s FREE!

4. U$X FCU introductory interest rate for 12 months for our Home Equity Line of Credit is? a. 4.99% APR b. 3.99% APR c. 2.99% APR

5. How can you make some magic this holiday season? a. Get a part-time job b. Sell your unwanted stuff on ebay c. Apply for a Holiday Loan from U$X FCU d. All of the above…But “C” is the BEST answer Name:_________________________________________________________________

Daytime telephone number:________________________________________________Answer all the questions correctly and send your entry to: U$X FCU, U$Xtra Quiz, 1293 Freedom Road, PO Box 1728, Cranberry Twp, PA 16066. All correct U$Xtra quiz entries must be received by October 31, 2019 and will be entered into a random drawing for a chance to win one of (6) six $25 prizes. If your entry is selected, you will be notified and $25 will be deposited into your Share Savings Account. Please do not include any personal banking materials (deposits, IRA withdrawals, loan payment, etc.) with your quiz entry. Employees or Volunteers of U$X FCU are not eligible.

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-1625752.1-1016-1119© 2016 CUNA Mutual Group

The financial advisor located at your credit union offers personalized retirement, insurance and investment strategies designed to help you and your family realize a lifetime of financial security.

Personal ServiceTrusted Advise

Call today for a no-cost, no-obligation appointment.

Nathan RodgersFinancial Advisor

Office 724-779-4895Toll Free: 888-219-3159

U$X Financial GroupLocated at:U$X FCU

479 North Pike RoadSarver, PA 16055

The financial advisor located at your credit union offers personalized retirement, insurance and investment strategies designed to help you and your family realize a lifetime of financial security.

Call today for a no-cost, no-obligation appointment.

Personal Service Trusted Advice

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-1625752.1-1016-1119

© 2016 CUNA Mutual Group

Nathan RodgersFinancial Advisor

Office 724.779.4895Toll Free 888.219.3159

U$X Financial Group

Located at:U$X FCU

479 North Pike Rd. Sarver, PA 16055

AllianceOne

“Once A Member, Always A Member”

CALL ME! I want to take advantage of U$X FCU’s great loan rates! (Phone)___________________________ Personal Loan Auto Loan VISA® Credit CardAPPLICANT INFORMATION JOINT APPLICANT’S INFORMATIONFull Name Member No. Full Name Member No.

Address/City/State/Zip Date of Birth Address/City/State/Zip Date of Birth

Social Security Number Home Phone Social Security Number Home Phone

Employer Work Phone Employer Work Phone

Monthly Gross Income *Other Income Years Employed Monthly Gross Income *Other Income Years Employed

$ $ $ $

Monthly Mortgage or Rent Payment Amount $ Monthly Mortgage or Rent Payment Amount $

(circle one) (circle one)

X XAPPLICANT’S SIGNATURE DATE OTHER SIGNATURE DATE

Verification of Income and employment is required ANY FAX OF MY SIGNATURE MAY BE HELD EQUALLY ENFORCEABLE AS MY GENUINE SIGNATURE.

If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter.You also promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension

of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to wilfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA.

U$X Federal Credit Union® 60-Second Loan Application

MAIL OR DROP OFF COMPLETED APPLICATION TO YOUR LOCAL BRANCH OFFICE OR FAX TO 724-779-4656.

HOLIDAY CLOSINGSAll U$X Federal Credit Union Offices will be closed on the following dates in observance of the related holiday:

Please contact your local branch for other changes to normal operating hours.

Cranberry Main Administration and Legal Correspondence 1293 Freedom Rd PO Box 1728 Cranberry Twp PA 16066-0728 Fax: (724) 779-4656

Cranberry East1694 Route 228 Ste 106Cranberry Twp PA 16066

Findlay1038 Interstate CtFindlay OH 45840 Greensburg55 S Washington Ave Greensburg PA 15601

JeffersonMOB Ste 109B, 575 Coal Valley RdJefferson Hills PA 15025

Marathon539 S Main St, RM D-01-024Findlay OH 45840

Monaca400 Frankfort RdPO Box 222Monaca PA 15061

New Stanton100 Bair BlvdPO Box 657New Stanton PA 15672

Petrolia206 Main Hill RdPetrolia PA 16050

PittsburghConcourse Level 600 Grant StPittsburgh PA 15219

Sarver479 N Pike Rd Sarver PA 16055

1-888-219-3159www.usxfcu.org

Columbus Day - Monday, October 14, 2019

Veteran’s Day - Monday, November 11, 2019

Thanksgiving Day - Thursday, November 28, 2019

Christmas Day - Wednesday, December 25, 2019

New Year’s Day - Wednesday, January 1, 2020

Make More Holiday Magic….HOLIDAY LOAN SPECIAL!!

Up To $2,000.00 as LOW as 5.49% APR* for 10 MONTHSNO PAYMENTS UNTIL JANUARY 2020

*APR=Annual Percentage Rate. Approval, actual interest rate and dollar amount granted will be based on credit worthiness. Other rates and terms are available. Some restrictions may apply. To receive the promotional interest rate, you must have an active U$X FCU checking account with net check direct deposit. Members that open a new checking account and sign up for net check direct deposit may qualify for an additional $100 new account bonus. Loan proceeds will be disbursed ONLY after direct deposit has been started and received. Existing checking accountholders with net check direct deposit will qualify for promotional interest rate; however, will not receive the new account bonus. Repayment will start January 2020 and must be completed by October 31, 2020. No payment will be required until January 2020; however, interest will accumulate from date of loan disbursement. Payments must be made by direct deposit or payroll deduction only and payments will coincide with member’s payroll periods. Offer is good to members in good standing. Offer Expires December 31, 2019.

For members that do not have direct deposit available, we have other holiday loan options. Please call for details.