Platinum or Gold Credit Card?

October 2017

Platinum or

Gold Credit

Card?

Shop, Earn and Redeem in One Place

– the CURewards® Mall!

Love to shop? Like earning rewards points? Enjoy getting nice stuff just for using your Harvester

Financial Credit Union Platinum Rewards or your Harvester Financial CU Gold credit card? We’ve got

a great place where you can do all three. The CURewards Mall includes thousands of local and

national retailers that offer special discounts and bonus rewards points to members like you just for

making purchases with their Harvester Financial CU Platinum Rewards or your Harvester Financial

CU Gold credit card.

Unlike rewards programs from other institutions that make it difcult to know whether you really got the

credit you deserved for your purchases, you can easily track and verify the points you earn from your

purchases at CURewards Mall merchants.

Earning points for your purchases is easy and convenient. All you have to do is use your Harvester

Financial CU Platinum Rewards or your Harvester Financial CU Gold credit card at the participating

retailers available in the CURewards Mall. Just remember to click on the links in each offer, or use

your card when shopping at participating retailer’s stores. And it’s just as easy to redeem your points

for great merchandise or travel opportunities when you’re ready.

Check out the CURewards Mall today! Visit our website for more information.

Equifax Breach

Your personal information may have been compromised during the Equifax breach. We highly

recommend going to their site for additional information.

If you choose to sign up for credit monitoring through Equifax, please read all of the terms and

conditions rst.

According to the Equifax website:

What happened?

We identied a cybersecurity incident potentially impacting approximately 143 million U.S.

consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain les.

We discovered the unauthorized access and acted immediately to stop the intrusion. We promptly

engaged a leading, independent cybersecurity rm that has been conducting a comprehensive

forensic review to determine the scope of the intrusion, including the specic data impacted. We also

reported the criminal access to law enforcement and continue to work with authorities.”

What information may have been impacted?

The information accessed primarily includes names, Social Security numbers, birth dates, addresses

and, in some instances, driver’s license numbers. Criminals also accessed credit card numbers for

approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying

information for approximately 182,000 U.S. consumers. As part of our investigation of this application

vulnerability, we also identied unauthorized access to limited personal information for certain UK and

Canadian residents. We have found no evidence that personal information of consumers in any other

country has been impacted.”

For more FAQs, go to:

https://www.equifaxsecurity2017.com/frequently-asked-questions/

To see if you have been impacted, go to:

https://www.equifaxsecurity2017.com/potential-impact/

Hurricane Relief

Hurricane Harvey and Hurricane Irma have wreaked havoc

with ooding and damage. Harvester Financial Credit Union

has donated $2,500 to cuaid.coop to help employees,

volunteers, and members of credit unions that have been

impacted by either hurricane.

What is cuaid.coop?

“cuaid.coop is the rst national online giving center for credit

unions. All cuaid.coop contributions are directed to the National Credit Union Foundation Disaster

Relief Fund...”

To learn more FAQs about cuaid.coop, click here.

Think you don’t need identity theft protection? Think again.

Identity theft is consistently the number one complaint to the Federal Trade Commission. Rampant data

breaches, affecting millions upon millions of records, are putting consumers at great risk of identity theft. It can

happen to anyone - regardless of your age and income, where you live, or how careful you are.

Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up,

leaving them to contend with the aftermath of identity theft for years to come, including fraudulent bills,

collections activity, damaged credit and even criminal records.

Harvester Financial Credit Union is delighted to provide identity theft detection and recovery services as part of

our Checking accounts.

We have partnered with one of the nation’s most trusted names in identity theft protection to provide you with

access to a comprehensive suite of services to address fraud caused by identity theft if it happens to you or

your family member. These services include:

Fully Managed Identity Fraud Research, Remediation and Recovery – a professional, certied and licensed

Recovery Advocate will work on your behalf to restore your identity to pre-event status, for any type of identity

fraud you might experience, or even suspect. This service extends to cover you and up to three generations of

family! Click here for complete Terms and Conditions.

Lost Document Replacement – this service provides personalized one-on-one assistance to replace identity

credential documents that have been lost, stolen or destroyed in connection with your identity fraud event

Identity Theft Expense Reimbursement Insurance - you may receive reimbursement for out of pocket

expenses incurred during the identity recovery process up to a maximum of $25,000, including reimbursement

for lost wages, attorney’s fees, and other expenses. Click here for Evidence of Coverage.

Entitlement to Credit Monitoring – If you decide to activate this service you will receive alerts of changes to your

credit le that could signal identity theft. We can even send the alerts to you in a text message for ease of use

and rapid communication. The entitlement is applicable to individuals age 18 and older who have a valid credit

le.

Note: YOU MUST FOLLOW AN EASY ACTIVATION PROCESS IN ORDER TO RECEIVE THE BENEFITS

OF CREDIT MONITORING. IF YOU DO NOT CHOOSE TO FOLLOW THESE STEPS, YOUR CREDIT WILL

NOT BE MONITORED AND YOU WILL NOT RECEIVE ALERTS.

To learn more about how to activate your credit monitoring entitlement, you will receive an email from

[email protected] if you have a Checking Account and if you have an email on le. When you

receive the email, you will need to click on the activation link, enter your email address, complete your prole,

and answer the authentication questions to activate this service. If you have not received an email, please

Open a Checking account with Harvester Financial Credit Union today! Click here for more information about

our Checking account and other account benets.

Looking for more protection against identity theft?

All Harvester Financial Credit Union accountholders may purchase an identity fraud package which includes

services that may warn of possible identity theft. All packages include Fully Managed Recovery and Lost

Document Replacement, plus other identity fraud detection and recovery benets. Click here to see package

options and to subscribe.

Learn More >>

Harvester Financial

Credit Union Members

Get Exclusive Discounts

from Love My Credit

Union Rewards

Everyone loves to save, especially on products and services you use every

day. That’s what Love My Credit Union Rewards is all about. Members

have saved nearly $2 billion in discounts from valued partners through Love

My Credit Union Rewards. You can save too with valuable discounts from

these partners:

♥ $100 cash reward with every new line activated with Sprint! Current

customers will receive a $50 cash reward for every line transferred into Sprint

Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward

every year for every line.*

♥ Save up to $15 on TurboTax federal products!

♥ Get an exclusive smoke communicator and a $100 gift card with a NEW

ADT monitored home security system. Call 844-703-0123 to receive this

special offer.

♥ Shop and get cash back at over 1,500 online retailers with Love to Shop.

To nd out more and learn about other valuable discounts, visit harvesterfcu.

org or LoveMyCreditUnion.org. You get all these offers and discounts just for

being a member of Harvester Financial Credit Union.

*Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer

Ends 12/31/2017. Avail. for eligible credit union members and member employees (ongoing verication).

Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new

smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers

receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each

smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct

must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices,

tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or

providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and

Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one

$50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines.

Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be

deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visit

lovemycreditunion.org/sprintrewards. Other Terms: Offers/coverage not avail. everywhere or for all phones/

networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change

respective owners.

Holiday Loans

Coming Soon...

Need a little extra cash for

the holidays? Stay tuned on

our website and social

media for when you can

apply for a holiday loan.

Shelbyville

Membership

Appreciation

Day

Jennifer M.

was the

winner of

our gift card

drawing.

Congrats,

Jennifer!

Compromised Cards -

What should you do?

No one wants to hear from their bank or

credit union that their card has been

compromised, but unfortunately, it can

happen anywhere at anytime. Although it

may not be preventable if a retailer is

breached, someone steals your card

number, or your card is skimmed, there are

STILL ways that you can help prevent your

card(s) from being compromised and

prevent further transactions from hitting

your account.

>>> How can you help prevent your card(s) from being compromised?<<<

1) Always know the location of your card. Let’s say you lose your card at a restaurant. Panic

mode sets in and you go back to re-trace your steps. Your card may already be compromised at

this point even if you get your card back from wherever you lost it. You don’t know whether or not

someone has written down your card number for use later on. The best thing to do in this situation

is to call or lost/stolen number immediately. For credit cards, call 800.449.7728 and for debit cards

call 855.490.2380.

2) Use your cards on secure sites. This tip is so important because card numbers can be stolen

on sites that are not secure. One of the indicators of a site being secure is having a lock in the

browser box.

3) Check for skimmers. If the piece where you insert your card doesn’t look normal or you pull on

it and it’s loose, see if you can pay another way and notify the merchant.

4) Check your balances daily. Transactions can clear fairly quickly and it is important to check

your transaction history on a daily basis. If you see anything suspicious, call us or the lost/stolen

number as soon as possible.

5) Sign up for alerts.

>> Have a debit card with us? View the images below for further details. Click on the Alerts tab

on Online Banking rst.

>> Continues on page 5.

Scroll to Transaction and click “Add”.

Select Savings or Checking and ll out all of the sections. If you prefer a

text message alert, click Text Message Alert. After you are nished, click

“Save”.

>> Do you have a credit card with us? View the images below for further details on how to set up

alerts. First, click on the Credit Cards tab within Online Banking.

>> Continues on page 6.

1) Click on Member Alerts under

Quick Links.

2) Click on Register/Manage.

3) Enter your credit card # click “Next”. It will

the prompt you to accept the Terms and Con-

ditions, click “I accept” and then click “Next”.

4) Fill out all of the security questions and click

“Next”.

5) Fill out all of the security questions and

click “Next”. If you have already registered,

select a Previous Registration. If not, select

“Create New”.

Please follow the remaining steps for credit card alerts...

1) Click on Member Alerts under

Quick Links

5) Create a nickname for your prole name and select

how you want to receive your alerts, then click “Complete

Registration”.

6) You will see more than this on this screen, but this is where you will add new

alerts or controls. Under Active Alerts, you can add transaction alerts for de-

clined transactions, transactions greater than, international transactions, card not

present transactions, and more. You can also add Cycle Alerts if you want to get

notied for when your payment is due, account past due, account over limit, and

more.

Under Active Controls, you can lock your card, decline online transactions, and

more.

We all have

emergencies and

it’s great to have

that buffer if you

need some extra

cash.

Here are some

solutions that might

work for you.

>> We will have an

unsecured line of

credit product that

will be coming soon.

It will allow you to

transfer money on an

as needed basis

leaving you in control

of your own nances.

>> We have

overdraft protection

for everyday debit

and ATM

transactions. Ask us

more about how you

can sign up!

>> We have

extremely

competitive low

rates for all of our

credit cards. To learn

more about our credit

cards, click here.

>> Want to set up

another savings

account just for

emergencies? It’s

always important to

have an emergency

fund and you can

even label it as an

emergency fund. Ask

us how you can set up

a separate savings

account.

Not sure what may

be best for you?

Feel free to discuss

the best solutions

for you.

Loyalty Deserves A $500 Reward.

As a loyal member of Harvester Financial Credit Union, we want to bring you

value at every turn.

So when it comes to getting a new vehicle, you won’t want to miss out on the

extra value of BonusDrive. Shop for and purchase or lease a vehicle from

select leading auto manufacturers — Jeep©, Hyundai, Ram, Dodge, Fiat and

Chrysler — and you could get a $500 reward, in addition to any other

discounts, incentives or savings you’re already getting.*

How does it work? Once your purchase is complete, ll out the quick

BonusDrive application online within 60 days of purchase or lease and you’ll

receive $500 in addition to any other applicable discounts, incentives or

savings you’re already getting. If approved, in approximately six weeks you

could get a check at home to spend however you like. It’s really that simple!

How easy is it to get a $500 reward? Visit AJG.com/BonusDrive-credit for a

one-minute video of how BonusDrive works.

Banking on

the Go

Did you know that we

have a mobile

banking app?

>> Check your

account history.

>> Pay bills.

>> Transfer Money.

>> Deposit checks

with Mobile Deposit.

>> Find the nearest

shared branch.

To Download our

app, click on one of

the following:

Results of the Rock-a-thon for the Cancer

Association of Shelby County

For the fourth year, we have a held a Rock-a-thon event where members can

rock on rocking chairs and donate to the Cancer Association of Shelby County.

Thanks to our members and staff, we raised $1035.00 and presented a check to

Donna Harrell of the Cancer Association of Shelby County.

About the Cancer Association of Shelby County

The Cancer Association of Shelby County, which began in 1936 with the

formation of the Women’s Field Army against cancer, operates both a thrift store

and an eBay store to help raise funds in support of their cause. Their mission is

to “help improve the quality of life by being sensitive and supportive to the cancer

patients of Shelby County nancially, personally and spiritually.”

For more information about the Cancer Association of Shelby County, visit their

website.

Your savings federally insured to at least $250,000

and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency

NCUA

Safety at the ATM

Using an ATM may be an indispensable convenience, but is it safe? In the

overwhelming majority of cases, the answer is yes. ATMs have been used

successfully by hundreds of millions of Americans over three decades:

Millions of ATM transactions take place daily without incident, which is great

news for millions of ATM users who have no intention of trading in their 24

hour access to funds.

On the other hand, there is no such thing as too much safety when using

an ATM. Taking a little extra

time and planning to nd

ATM locations that are

carefully-situated, well-lit,

and security-oriented will

not only make your

experience safer, but also

more relaxed.

As a member of the CO-

OP ATM network,

Harvester Financial Credit

Union goes the extra mile

to make sure members have access to the largest network of ATMs

nationwide, with an emphasis on safety. “The CO-OP ATM network has

nearly 30,000 surcharge-free ATMs, but simply offering our members

widespread access is not enough,” says Bryan Fluke, our President and

CEO. “We’re also pleased to belong to an ATM network that prides itself

on convenient, well-lit locations, so that our members can make safer

choices while still visiting an in-network ATM.”

Following a few basic guidelines can also help. The rst rule is simplest:

Never use an ATM unless you feel completely comfortable. Whether it’s a

dark street or suspicious people lurking nearby that have you feeling

nervous, following your gut is better than risking your safety. Be aware of

your surroundings and cautious of strangers. Don’t accept help from

people you don’t know, and make sure no one is observing you when you

enter your PIN.

Choose locations that are visible and well-trafcked. If you can, combine

your trip to the ATM with some friendly shopping. Thanks to the CO-OP

ATM network’s partnership with 7-Eleven stores, it’s possible to access

your account while picking up a six-pack of soda and a bag of chips.

“Americans love their ATMs,” Bryan says. “We’re constantly looking for

ways to enhance that experience. We can’t think of a better enhancement

than belonging to an ATM network that places a high premium on helping

our members make safe choices.”

Locations

Indianapolis

7020 Brookville Road

Indianapolis, IN 46239

Lobby & Drive Thru Hours

Monday, Tuesday & Thursday:

8:00 a.m. – 5:00 p.m.

Wednesday:

9:00 a.m. – 5:00 p.m.

Friday:

8:00 a.m. – 5:30 p.m.

Shelbyville

1220 Miller Avenue

Shelbyville, IN 46176

Lobby & Drive Thru Hours

Monday, Tuesday & Thursday:

8:30 a.m. – 5:00 p.m.

Wednesday:

9:00 a.m. – 5:00 p.m.

Friday:

8:30 a.m. – 6:30 p.m.

For 24 Hour Lost/Stolen

Debit Cards

855.490.2380

For 24 Hour Lost/Stolen

Credit Cards

855.519.9869

Sybil Automated Phone

Teller

317.351.2352 or

800.471.6663

Holiday Schedule

Labor Day –

September 4, 2017 (closed)

Columbus Day -

October 9, 2017 (closed)

Veteran’s Day -

November 10, 2017 (closed)

Thanksgiving Day -

November 23, 2017 (closed)

Christmas Day -

December 25, 2017 (closed)

Board of Directors

Jerry R. Walters, Chairman

Virgil Whorton, Vice Chairman

Rod Cannon, Treasurer

Owen Rexroat, Secretary

Michael Metcalf

Steve Bennett

Al Hairston

Supervisory Committee

Michael O. Williamson, Chairman

Charlie Campbell

Carl Delph

HFCU Management

Bryan C. Fluke, President/CEO

Jason Ford, CCUE, NCCO, Chief

Operating Ofcer

Joy Cooper, Main Branch MGR

Sherry Wood, Shelbyville MGR

For current rates, visit our website at

www.harvesterfcu.org or call

800.326.2279.