CCU has a low-cost mortgage loan option for just about everyone, whether you are a first-time or experienced home buyer, buying a lot or building a new home, want to pay down your loan faster, or borrow against the equity in your home. We have mortgage loan products you won't find anywhere else, like our Community Hero¹ and HomeFree² loan programs!With CCU, you’ll get a great rate AND low closing costs. Be sure to check with us before you sign with anyone else. If it’s truly a better deal, we’ll tell you, but most of the time, you’ll find the best deal right here at your credit union. Purchasing a Home:We have products and terms to suit every need: • Single family home, 2-4 family residences, townhouse, and condos• Terms up to 40 years • Financing up to 100% available• First time home buyer programs, including Community Hero loans for those who work in the fields of law enforcement, safety, education, medicine, and the military• Jumbo loans• VA and FHA loans

Building a Home: CCU offers the “Construction to Permanent” loans you will need to pay interest only while you build, then convert to a “permanent” mortgage once construction is completed.• Can be used when building a new home or when making major additions to an existing home.

• Available for conventional loans as well as for “Jumbo” loans of $417,000 or greater.Refinancing Your Loan:If your mortgage is currently with another lender, you owe it to yourself to see if we can lower your rate and save you thousands of dollars over the life of your loan. We offer many options including: • HomeFree No Closing Cost MortgageThis exclusive CCU product allows you to quickly reduce your long term mortgage debt by switching to a low, fixed rate mortgage loan. • Home Affordable Refinance Program (HARP)³If you’ve been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through this program.

Contact a Mortgage Specialist at 321.690.2328 or 800.690.2338 to see which loan is right for you. Apply online or call 24/7/365.

¹Community Hero Loan has specific requirements found at ccuFlorida.org. ²HomeFree offers both a no closing cost loan as well as lower rate option with closing costs. ³CCU can accept applications for HARP loans if your current mortgage loan was sold to Fannie Mae on or before May 31, 2009. We are not able to accept HARP applications for loans sold to Freddie Mac. Loan rates are based on credit history, loan terms and borrower qualifications.  Contact CCU to determine your rate. Our usual credit criteria apply.

EMPOWERING MEMBERS FOR 60 YEARS$martchoices

CCU offers a variety of economical options that allow you to make use of the equity in your home to consolidate debt, make repairs or improvements, or pay for unexpected expenses. Choose from fixed rate loans with a set monthly payment or lines of credit that can be used as needed.CCU has unique loan programs not available from most lenders:• 1st Lien Position Home Equity Line of Credit - For those who do not have a 1st mortgage on the home and property. • No Equity Home Equity - Available to CCU 1st mortgage holders who do not have equity. This is a specific purpose personal loan. Funds from the loan may be used to purchase non-luxury home-related items or to make permanent improvements to the home. With hurricane season upon us, and

rates at historic lows, consider getting a home equity line of credit so you are prepared for any unexpected repairs while you wait for insurance settlements. Rates are currently as low as 3% APR² on our Prime Rate

Home Equity Line of Credit! Speak to a Member Service Lender about which loan would be perfect for you or apply by calling 321.690.2328 or 800.690.2338. Ask about our no closing cost options!¹ You may also apply online anytime at ccuFlorida.org.

¹Members pay a valuation fee, if applicable. CCU will pay the remaining closing costs. ²Loan rates are based on credit history, loan terms and borrower qualifications.  Contact CCU to determine your rate.

Your Home + Our Loan = The Perfect Pair

July 2013

Put Your Home’s Equityto Work for You!

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LOANYour OUrLOANThe perfect pair

Member required to pay for appraisal up front, then after the first mortgage is closed, CCU will credit $250 to the member’s account. ¹Offer only available on first mortgages.

Apply Today!www.ccuFlorida.org 321.690.2328

HOMEHOMEReceive

$250off yourappraisal!¹

have been helping people become homeowners since 1934. These loans feature low down payments, low

closing costs and easier credit qualifying. CCU currently offers some of the

lowest FHA rates in the area. These super low rates won’t last. Apply

today online or call a Mortgage Specialist.

FHA loansFHA loans

Join us for 60th Anniversary Celebrations!2013 marks the 60th Anniversary of Community Credit Union! The loyalty and support of our great members is what keeps us growing and providing valuable products and services to you. To celebrate, CCU will be having Facebook contests, giveaways, drawings, and Member Appreciation Days. Mark your calendar and plan to join us at the branch closest to you for refreshments and giveaways. Stay tuned to ccuFlorida.org and the CCU Facebook page for actual times and details. See you then!

August 28Titusville & Port St. Johnbranches August 29Palm Bay, Melbourne &Indian Harbour Beachbranches(Plus, Rockwell branch) August 30Rockledge & Vierabranches

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Federally insuredby NCUA. EQUAL HOUSING

OPPORTUNITY

You may use your VISA debit card to initiate both VISA debit transactions and non-VISA debit transactions without using a personal identification number (PIN) to authenticate the transactions. To initiate a VISA debit transaction, you may sign a receipt, provide a card number, or swipe your card through a point of sale (POS) terminal and choose to route the transaction over a VISA network.To initiate a non-VISA debit transaction, you may enter a PIN at a point-of-sale terminal, or for certain bill payment transactions, provide the account number for an eCommerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-VISA transaction. We have enabled non-VISA debit transaction processing on the PLUS, Pulse, CU24, ACCEL/Exchange, and the CO-OP Network(s).The rights and protections are applicable only to VISA debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Funds Transfer Agreement and Disclosure will not apply to transactions processed through non-VISA networks.Please contact CCU with any questions you may have regarding this notice.

Notes & EventsContact Us or Come See Us:321.690.2328 800.690.2338

Branch Locations:Rockledge - 1030 S US Highway 1Port St. John - 6269 N US Highway 1Palm Bay - 1325 Palm Bay Rd.Melbourne - 333 E. NASA Blvd.Viera - 7380 Murrell Rd., #102Titusville - 3125 S. Washington Ave.Indian Harbour - 293 E. Eau Gallie Blvd.

ATM Locations:CCU belongs to several networks to provide access to over 50,000 FREE ATMs nationwide and over 130 locally. Some ATMs take deposits! Learn more at ccuFlorida.org.

Apply 24/7/365 by calling 321.637.3211, online at www.ccuFlorida.org, or in person during branch hours.

Apply for a loan:

eBranch Services

Login to your account with eBranch Online Banking at ccuFlorida.org, or via CCU’s free Mobile App for Android, iPhone and iPad.Register for Mobile Deposit within the Mobile App and make deposits using your smart phone.Sign up for free eStatements within the eBranch.Get your balances and make transfers with the Text Balance & Transfer service. For a complete list of text codes, visit ccuFlorida.org. Utilize free Bill Pay & Presentment in the eBranch or Mobile App.See all of your finances in one place with FinanceWorks, even accounts from other financial institutions. Learn more when you login to the eBranch.

www.ccuFlorida.orgCall Telli for automated account infor-mation 24/7/365 by calling321.631.4611 or 888.636.4611

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Annual Notice Regarding Non-VISAPinless Debit Transactions

eBranch Online Access ReminderIf you have not logged into to your online banking since the security upgrade that took place on June 18th, you may be prompted to change your login credentials. You must create a Username as you cannot login with your member number. Your password is most likely sufficient, but if not, you will be prompted to change that as well.

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Help us Get a New Van for Aging Matters in Brevard ( )Meals on Wheels

Facebook ContestFacebook ContestWant a chance to win $25? Like us on Facebook! As part of our 60th Anniversary celebration, CCU is holding a Facebook contest. 60 individuals will win $25 just for liking our Facebook page. Like our page by August 30, 2013 and you will be entered into a drawing to win $25. Winners will be announced on our Facebook page and our website the week of September 5th. Just click on the Facebook link on ccuFlorida.org or search forCommunity Credit Union while on your own Facebook page. Look for the 60th logo!!

Officer Taylor Wins CCU Community Hero Award

Aging Matters in Brevard is a private, not-for-profit 501(c)(3) organization dedicated to helping our senior citizens enjoy happy, healthy, active, and secure lives.Meals on Wheels is just one of the services provided by Aging Matters. No doubt you’ve heard of this program that delivers hot, nutritious meals to individuals age 60 or older who are homebound due to illness, disability, or isolation.Meals on Wheels has a critical need for a new box truck for meal distribution. The current truck has been in use since 1999 and is operating with a second replaced engine. Community Credit Union has pledged to raise $45,000 for the purchase of a new truck. We are asking our members and our friends in the community to support this effort so no senior goes hungry. If every CCU member donated just $1, we’d be almost there! Donations will be accepted through Saturday, August 31, 2013, at any CCU branch (see addresses in the box at the bottom of this page). You can also donate over the phone by calling Member Services at 321.690.2328 (outside Brevard, 800.690.2338).

We’ll report on progress in the branches, on Facebook, and on our web site at ccuflorida.org.

CCU wants to honor those who excel in helping people in our community. We invite members and the community to nominate someone they feel is a “Community Hero”. Scott Smith of the Palm Bay Police Department nominated Officer Joshua Taylor and he has been named CCU’s most recent Community Hero. Officer Taylor has been employed with the Palm Bay Police Department for approximately 12 years. During his tenure he has served as a corporal and a member of the S.W.A.T. Team. He is considered a S.W.A.T. expert and most often takes command during Crime Suppression Unit tactical deployments and during Uniform Services road patrol assists. Officer Taylor is currently a member of the Crime Suppression Unit and has been in this capacity for approximately two years. During 2012, Officer Taylor was instrumental in the apprehension of two armed and dangerous persons. In July, he was able to subdue suspects with well placed non-lethal bean bag projectiles preventing the subject from getting back in a residence. Another officer had already been shot during this altercation. In November, he responded to a hostage situation, in which a foot chase ensued and shots were fired at several officers. Officer Taylor placed himself in harm’s way to confront the suspect knowing that a failure to apprehend the violent offender could potentially place additional citizens’ lives in jeopardy. An armed confrontation ensued at which time Taylor utilized good judgment and discharged his weapon striking the armed suspect. During the course of 2012 Officer Taylor was instrumental in numerous burglary, robbery, narcotics, and shooting investigations. His tenacity for completing thorough investigations led to many high profile arrests during the year. Taylors performance exemplifies his strong personal commitment in support of the Palm Bay Police Department’s Mission. It is for these reasons that Office Taylor was named the Palm Bay Police Departments 2012 Officer of the Year and the latest CCU Community Hero.Taylor will be awarded $100, and a $100 award to the charity of his choice to be presented in his name, plus a keepsake certificate and shirt.Congratulations Officer Joshua Taylor!

Get on the road faster with help from the Auto Scout - a FREE

auto advisor service for members!

autoscout@ccuFlorida.org321.637.3152

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Take the hassle out of vehicle buying!Take the hassle out of vehicle buying!Take the hassle out of vehicle buying!Take the hassle out of vehicle buying!

A Free Auto Advisor Service

AutScout

The Auto Scout can help you find the best deal, tell you the value of your trade-in or a fair price for the vehicle you want to buy. Plus, you can

let the Auto Scout do the shopping and negotiating for you!

Donations can be made in cash, by transfer from your CCU checking or savings, or with any VISA™ credit or debit card. For donations of $25 or more, you’ll receive a T-shirt as our thank you gift!

July 4th - Closed for Independence Day Meals on Wheels is in need of drivers this summer throughout Brevard. Call 639.8770.Are you moving or have you changed your email address or phone? Don’t forget to update your info within the eBranch or call us.

Board of DirectorsChairman - Henry L. “Jack” Kelley, CCD Vice Chairman - Dortha G. Everhart Secretary/Treasurer - Linda P. Dale, CPA Director - Betty A. DunnDirector - Jim Platman

Senior ManagementPresident/CEO - David O. Brock, CCUE, CCE Senior Vice President - Laurie Cappelli, CCUE, CCE VP Organizational Development - Lesli Dooley, CCUE VP of Commercial Services - Jim Chastain VP of Technology - David Hill VP of Accounting/Finance - Margaret Hasenbeck VP of Marketing - Meredith Gibson

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