Use Your Credit Card For Everyday Shopping

A Publication By Mobile Educators Credit Union • Winter 2015

Are You Taking Full Advantage of Your Membership?

Are you taking advantage of all we have to offer?

MECU has great rates on auto loans, mortgages and

more. We also offer free checking and your choice

of overdraft protection options. And we’re members

of a shared branching network giving you over 4,400

locations nationwide at which you can access your

MECU accounts. We have free e-services including

online and mobile banking, too. So if you’re not

taking advantage of all your credit union has to offer,

stop in to see any of our friendly staff at your favorite

branch today.

www.yourmecu.com

HOLIDAY CLOSINGS

MLK Jr. Day : Mon, Jan 19th

Mardi Gras: Tue, Feb 17th

Your seat is saved

for the 2015 Annual

Meeting of Mobile

Educators Credit

Union.

The Annual Meeting will be held on

Tuesday, March 24th at 6 p.m. at

the Airport Boulevard Branch.

During the meeting we will be

providing reports on how the credit

union has performed during the

past year. We will also be sharing

our plans for 2015.

Attendees will enjoy refreshments

and door prizes and the

opportunity to catch up with fellow

members and credit union staff.

We are proud of the 61 years

we have been able to offer our

members a better ﬁnancial

alternative.

We look forward to seeing you at

the Annual Meeting.

For more information, contact the

credit union.

Use Your Credit Card

For Everyday Shopping

Save cash using your VISA Credit Card from MECU! The

sooner you transfer, the more you can save. Your MECU

VISA offers lower rates to help you save money.

Our VISA

Platinum card has a rate as low as 8.90% A.P.R.

and our VISA

Classic rate is as low as 12.90% A.P.R. In

addition to low interest rates, enjoy a 25-day Grace Period

on purchases and we do not charge an annual fee. To apply

for our VISA

credit card, contact any branch, call us at

1-800-611-6589 or visit our website at yourmecu.com

Our Balance Transfer Promotion has rates as low as 3.50% A.P.R. for Platinum

and 5.50% A.P.R. for Classic. These rates will be good through Dec. 31, 2015.

A.P.R. = annual percentage rate. Balance transfers made 6/1/14 through 12/31/15 will receive promotional rate.

On 1/1/16, if the transferred balance has not been paid in full, the promotional rate will return to the A.P.R.

disclosed at account opening, currently 8.90% for Platinum and 12.90% for Classic. No other transfer fees apply.

Offer does not apply to VISA® balances currently ﬁnanced at Mobile Educators Credit Union.

BALANCE

TRANSFER

PROMOTION

RATES

VISA

PLATINUM

3.50

APR*

VISA

CLASSIC

5.50

APR*

www.yourmecu.com

LOCATIONS

______________________________

Main Branch

3150 Airport Blvd

Mobile, AL 36606

251.473.4712 • 1.800.611.6589

Mon, Tue, Thurs: 9 a.m. - 5 p.m.

Wed: 12 p.m. - 5 p.m.

Fri: 9 a.m. - 6 p.m.

Sat: 9 a.m. - 1 p.m.

Baldwin County

7028 Highway 90

Daphne, AL 36526

251.626.3304 • 1.800.974.8304

Mon, Tue, Thurs: 9 a.m. - 5 p.m.

Wed: 12 p.m. - 5 p.m.

Fri: 9 a.m. - 6 p.m.

Closed 11 a.m. - 12 p.m. for lunch

Saraland

12 U.S. Hwy. 43

Saraland, AL 36571

251.675.3301 • 1.800.974.8301

Mon, Tue, Thurs: 9 a.m. - 5 p.m.

Wed: 12 p.m. - 5 p.m.

Fri: 9 a.m. - 6 p.m.

West Mobile

7730 Cottage Hill Road

Mobile, AL 36695

251.633.4474 • 1.800.974.8212

Mon, Tue, Thurs: 9 a.m. - 5 p.m.

Wed: 12 p.m. - 5 p.m.

Fri: 9 a.m. - 6 p.m.

Audio Response

1.800.259.0298

______________________________

VISA/MasterCard - Inquiries & to

Report lost or stolen cards

800-808-7230

VISA Debit Cards - to report lost

or stolen cards or to report fraud

800-472-3272

Shared Branch Locations

1-888-SITE-CO-OP

www.co-opsharedbranch.org

Federally Insured

by NCUA

1168-NEWS-1014

Is your Financial House in Order?

Here are 3 facts that may include you or your

loved ones.

1) 55% of American adults do not have a will or

estate plan.

2) 50% of U.S. households say they believe they

need more life insurance.

3) One in ﬁve consumers have an error on at least

one of their credit reports.

What should people do?

• Examine your ﬁnancial situation at least annually.

• Check your credit report carefully for any errors. You can request a free copy of all

3 of your credit reports by visiting www.annualcreditreport.com. Errors could

potentially cause you to pay more (or be declined) for a loan.

• Check your various ﬁnancial account balances and statements regularly.

• Review your life insurance coverage and make necessary adjustments.

• Keep a record of ﬁnancial information (bills you pay, bank accounts, property

deeds, insurance policies, estate plan/will, living will, and health care power of

attorney) stored in a secure place. Make sure a trusted friend, family member or

your executor knows how to access the information.

• A will or estate plan is one of the most important things you can do for your family

– whether you are single or married, it helps avoid unnecessary legal issues for

your family and ensures your wishes are followed.

• Update living wills, beneﬁciaries and other ﬁnancial documents each year or with

life changes - including the birth of a child or a change in marital status.

Say Hello to the

Sprint Credit Union Member Discount

While choosing a wireless phone provider is

a personal choice, FSCU is pleased to advise

its members who currently do or would like to

use Sprint, about a new credit union member

discount available from the credit union afﬁliated

organization Invest in America! As a member of Mobile Educators Credit Union, you can

save with the Sprint wireless phone service and enjoy what JD Powers & Associates

ranks as the “Highest satisfaction with the Purchase Experience.”

Ways you can save:

• 10% off* select personal Sprint plans

• 15% off* select business Sprint plans

• Waived activation fee on new activations

• Waived upgrade fee

• Available to new and existing Sprint customers

Valuable discounts like these are just some of the many beneﬁts of credit union

membership. 3 Ways to Get Your Discount:

• Call 877.SAVE.4CU (877.728.3428) and let them know you’re a MECU Member.

Ask to be a part of the NACUC_ZZM Corporate ID to save.

• Or Visit LoveMyCreditUnion.org/Sprint

• Or Visit your nearest Sprint store.

Start saving today with the Sprint credit union member discount.

*Application of discount requires 2-year contract extension on existing plans. Veriﬁcation of credit union membership is

required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans.