LOCATIONSMain Office1619 Plainfield Ave NEGrand Rapids, MI 49505

South Branch901 Gezon Parkway SWWyoming, MI 49509

North Branch14111 White Creek AveCedar Springs, MI 49319

DRIVE-THRU HOURSMain Branch:Monday, Tuesday & Thursday 8 a.m. to 5 p.m.

Wednesday10 a.m. to 5 p.m.

Friday 8 a.m. to 6 p.m.

Saturday9 a.m. to 1 p.m.

North Branch:Monday, Tuesday & Thursday 9 a.m. to 5 p.m.

Wednesday10 a.m. to 5 p.m.

Friday 9 a.m. to 6 p.m.

Saturday9 a.m. to 1 p.m.

LOBBY HOURSAll Branches:Monday, Tuesday & Thursday9 a.m. to 5 p.m.

Wednesday10 a.m. to 5 p.m.

Friday9 a.m. to 6 p.m.

Saturday9 a.m. to 1 p.m.

KCCU launches new logo

Member Appreciation Day and Launch Party!To thank members and celebrate KCCU’s new look, come join us on Friday, August 14 from 11:00 a.m. to 1:00 p.m. We invite you to stop by any branch, say hello, and see all the great things we have to offer. There will be refreshments, giveaways and information so you can learn more about us. Hope to see you then!

*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.

KENT COUNTY CREDIT UNION | JULY 2015

COMMUNITYCONNECTION >>

SummerIssue

Kent County Credit Union recently unveiled a new logo at the April 2015 Annual Meeting. “This rebrand is an effort for us to freshen up our image and present a more contemporary look and design across all parts of the credit union, from our website and in-branch messaging to our advertising and promotional materials,” says Ray Ward, President and CEO.

The new logo is already starting to appear. We will gradually be changing out all communications materials. Out of respect for our environment and funds, we will not be throwing away any printed materials.

BEST SUMMER FOR LOW RATES

ON A NEW OR USED CAR

Rates as low as 1.99 % APR*New Auto 2.49 % APR*

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Live for Today, Plan for TomorrowLife is too short to miss out on the opportunities shown to you today. That is why we are here to help you live in the moment without missing out on your future. Our great rates allow you to play today and save for the future!

IRA Withholding NoticePayments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of a payment. To change your withholding election, complete the appropriate form provided by your credit union. Withholding from IRA payments, when combined with other withholdings, may relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

MoneyDesktop, the account aggregation and budget software, that has been part of home banking, will be discontinued effective August 1, 2015. Today, there are many other programs that offer an alternative, such as Quicken, Mint.com, Microsoft Money and others. Although we think the account aggregation and budgeting ability is a valuable product, it simply is not cost effective.

MoneyDesktop to be discontinued

Holiday ClosingsIndependence DayFriday, July 3, 2015and Saturday, July 4, 2015

Labor DaySaturday, September 5, 2015and Monday, September 7, 2015

www.MyKCCU.com Phone: (888) 336-3490NMLS Company ID # 372758ABA Routing Number: 272480791Federally Insured by NCUAEqual Housing Opportunity

Contact Information

Preferred Access and KC Cash accountsKCCU is now offering your KC Cash Line of Credit as a “Fixed Rate” product. What does this mean to you? When interest rates go up and down, your rate will remain fixed. It will mean you pay the same interest rate for as long as your line of credit remains in good standing and your credit history remains positive. When it is time for you to renew, you will receive a letter from us explaining how to move forward with your new KC Cash Line of Credit.

We will only allow one KC Cash Line of Credit to be open at a time, so if you open the new “Fixed Rate” KC Cash, we would move your entire balance to the new product. You will then be able to access your line of credit as you always have.

For members that use the KC Cash Line of Credit for overdraft purposes, we will need to look at opening a Preferred Access Line of Credit that is available as overdraft protection. With current regulations and new laws we are presented with, KCCU will not be able to offer KC Cash as an “overdraft protection” product.

We would be happy to discuss the details with you and look forward to serving your borrowing needs. And remember, this change only affects your KC Cash Line of Credit.

59th Annual Meeting Recap and Election ResultsKCCU held the 2015 Annual Meeting on Tuesday, April 21, 2015 at the Riverfront Hotel. The Annual Meeting is open to all shareholders of Kent County Credit Union and is an opportunity for member/owners to hear from the Board of Directors, Chairman Jon Denhof and KCCU CEO, Ray Ward; in addition, the Annual Meeting allows membership to vote on the election for Board of Directors.

The Annual Meeting was called to order following refreshments and hors d’oeuvre served. During the Annual Meeting, Chairman Jon Denhof gave his remarks about the successes of 2014. Ray Ward, CEO, also delivered remarks about the previous years business and goals for 2015.

Incumbents for 2015 are Jon Denhof, Dan Kendall and Vicki Seidl, each nominee agreed to serve a 3 year term. Jon Denhof, Dan Kendall and Vicki Seidl were re-elected to a three year term of the Kent County Credit Union Board of Directors.