A quarterly e-NewsletterJuly 2020

MEMBER CONNECTIONS

Welcome to Member Connections, the quarterly e-Newsletter from Community Resource Federal Credit Union.

If the economic e�ects of the Coronavirus have put pressure on your �nances, please reach out to us for help. We have a variety of relief options available to get you the �exibility or funds that you need.

The options include the following:

Skip-a-Payment: Loans may be eligible to skip payments for up to 3 months. Call 518-783-2211 or email PaySolutions@communityresourcefcu.com to make arrangements.

Mortgage Assistance Program: Contact us at 518-783-2211 for information.

Debt Relief Loans: Apply online or by phone at 518-783-2211 for a loan with a low rate and a maximum amount of $5,000.

No early withdrawal penalty on Share Certificates: We understand you might need access to your savings, so we’ll be waiving penalties for early withdrawals on Certificates until further notice.

To discuss your options and determine which solutions are right for you, please contact us at (518) 783-2211 or FSR@communityresourcefcu.com to speak with a Financial Service Representative.

Community Resource Receives Multiple Awards

Community Resource Federal Credit Union was recently honored by the New York Credit Union Association with three state-level awards. CRFCU received First Place state-level recognition for the:

• Desjardins Youth Financial Education Award recognizing leadership within the credit union on behalf of financial literacy for all ages. This was awarded for our youth program in cooperation with the National Association of the Blind.• Dora Maxwell Social Responsibility Award recognizing social responsibility projects within the community. This was awarded for our participation in community programs such as the Capital Roots Garden Bowl.• Louise Herring Philosophy in Action Member Service Award is given to a credit union for its practical application of credit union philosophy. This was awarded for our Community Heroes Program which gives back to First Responders,

Veterans and Military Personnel.

As First Place award winners, Community Resource FCU will continue on to national judging from the Credit Union National Association’s (CUNA) National Awards Program competition.

The Credit Union was also one of five credit unions nationwide to receive the Designation of Excellence Award from America Saves. This is a national campaign that helps to motivate, encourage, and support low to moderate income households to save money, reduce debt, and build wealth.

COVID-19 Relief Options Payment Help and Low-Cost Borrowing

We’ve Been Noticed!

A secure and convenient way to pay with your CRFCU debit card.

Enjoy the convenience, speed and security of making payments from your account without having to reach for your debit card. Paying with your digital wallet is a secure payment method accepted online, in apps, and even in stores—so you can breeze through checkout and avoid touching payment terminals.

Your Community Resource FCU debit card is compatible with digital wallets including Google Pay, Apple Pay, and Samsung Pay.

Is Community Resource FCU in Your Digital Wallet?

Get Started with Mobile Banking

A convenient and safe way to bank with your mobile device

Mobile banking is like having a CRFCU branch in your pocket. Use your mobile device to access your account wherever you are, whenever you need! Check your balances, deposit checks, make transfers, pay bills and more — all at your �ngertips!

Enjoy useful tools such as account activity alerts, account to account transfer, and the ability to freeze a lost or stolen card. Whether you’re trying to stick to a budget, pay a bill, or just quickly check your account balance, our state-of-the-art mobile app can help.

Stay connected whenever, wherever.

Visit communityresourcefcu.com/mobile to learn moreand download the app.

Join us for Coffee and Cash each Sunday morning!

New �nancial education videos o�ered to CRFCU Members!

The world of personal �nance is complicated. The goal for the Co�ee & Cash series is to provide you with a short 2-3-minute educational video each Sunday Morning for you to enjoy with your morning co�ee. These videos, in partnership with Simmons Capital Group, will cover a range of �nancial questions. They are designed to make complex topics simpler and to educate you. Pretty simple, right?

Is there a question that you have always asked yourself, but have been too afraid to ask?Why not submit your question and suggestion for a video anonymously on the website? We will do our best to address your question in a future video.

Visit Communityresourcefcu.com to sign up and watch past videos.

A convenient and safe way to bank with your mobile device

Mobile banking is like having a CRFCU branch in your pocket. Use your mobile device to access your account wherever you are, whenever you need! Check your balances, deposit checks, make transfers, pay bills and

Enjoy useful tools such as account activity alerts, account to account transfer, and the ability to freeze a lost or stolen card. Whether you’re trying to stick to a budget, pay a bill, or just quickly check your account

Visit communityresourcefcu.com/mobile to learn more

Join us for Coffee and Cash each Sunday morning!

Debt Protection Could Help Preserve Your Standard of LivingProtections for life, disability and unemployment

At CRFCU, we understand how stressful life can be—especially when it comes to �nancial troubles. That’s why we o�er a voluntary loan payment protection product, called Debt Protection, that could help you get relief fromloan payments if an unexpected life event happens to you. Protected events may include:

• loss of life• disability• involuntary unemployment.

You can add Debt Protection to a CRFCU auto loan, personal loan or line of credit, home equity loan or line of credit at any time. Call (518) 783-2211 to speak with a Financial Service Representative to learn more about your Debt Protection options.

Your purchase of CRFCU Debt Protection is optional and will not a�ect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact a Financial Service Representative for further explaination of features, bene�ts and costs associated with Debt Protection.

Sizzling Hot Loan SpecialsJump into summer fun with these limited-time o�ers

0% Visa® Balance Transfers for 20 Months

There’s never been a better time to pay off your high-interest cards. Transfer the balance to a Community Resource Visa® credit card and get a 0.00% APR* for 20 months!* There’s no balance transfer fee plus rates are as low as 9.99% Annual Percentage Rate.

Learn more and request this special offer at https://bit.ly/2Z4J6G9

*APR=Annual Percentage Rate.

Auto Refinance Special

Now when you bring yourauto loan to Community Resource FCU, you can enjoy 90 days until your first payment. Whether your vehicle has two wheels or four, you’ll find the same great rates and terms to get a monthly payment that fits your budget.

View all rates and apply online at communityresourcefcu.com.Message to our Members

Celebrating 85 years of commitment to our mission.

Thank you for being a part of our history by joining Community Resource FCU. We offer the same commitment and friendly service that we did when we were chartered in 1935. We promise to continue our mission as we improve the lives of our members and the community by providing access to affordable, reliable and solution based financial services.

Join us for our Annual Meeting on September 22, 2020. Register for a virtual seat at https://communityresourcefcu.com/2020-annual-meeting or by calling 518-783-2211.

For the safety of our staff and members:

We ask that if you visit our lobby that you wear a mask and limit the amount of time you are inside.

Please call us to discuss any needs and to request an appointment.

Visit communityresourcefcu.com for more information about our response to COVID-19.

Holiday Closings

Labor Day, Monday, September 7

Columbus Day , Monday, October 12

To view current rate:

Visit communityresourcefcu.com/rates orcall 518-783-2211.

Find more Surcharge-Free ATMs at communityresourcefcu.com/atms or in the CRFCU mobile app.

Surcharge-Free ATMs

Access your accounts at thousands of credit union branches nationwide. Find one near you with the CO-OP Locator app or at sharedbranching.org.

Upcoming Seminars

7/21 Money Moves Every Young Person Should Make8/4 How to Save for College8/18 Socially Responsible Investing 9/1 Medicare

Visit the education pages on our website for registration and videos of past seminars.

Build your savings and have a chance to win money!

Put some BALANCE in your life! Use BalanceTrack for a Chance to win $500!

Stay on Track” is the latest BalanceTrack contest from our partner in financial education, BALANCE. No matter where your plans lead you this summer, “Stay on Track,” can help you on the path to good financial health. With “Stay on Track,” BalanceTrack users can win $500 and/or one of three $100 gift cards!

Entering “Stay on Track” is easy:

• Visit BalanceTrack online• Users must complete at leastone BalanceTrack module witha passing grade (multiple entries across different modules areencouraged!). • If you complete the specialModule of The Month, you’ll beentered into a monthly drawing to win a $100 gift card.

Plus, you receive three bonus entries towards the $500 grand prize. “Stay onTrack” runs from July 1– September 30, 2020. Remember, complete more modules for more chances to win.

Good luck!

Shared Branches

Open a Lucky Savers Certificate for as little

as $25!

For every $25 saved, you will earn an entry

to win $50, $500 or $5,000!

So, join our list of winners and open a

Lucky Savers Certificate today.

View rules and details on our website.

The Credit Union Experience: Benefits of Credit Union Membership

Member owned You are more than a member, you are part owner!

Not-for-profit We operate to promote the well-being of our

members. Any profits are returned back to the members in the form of reduced fees, higher savings

rates and lower loan rates.

Community Involvement We provide financial education to the community, local businesses, and youth organizations free of

charge. And our employees have volunteered hundreds of hours of time and raised thousands

of dollars for community organizations.

Convenient Access We offer one of the biggest ATM networks in

America with access to over 85,000 surcharge-free ATMs with our Allpoint and

CO-OP Networks plus almost 5,600 shared branch locations nationwide.

Our Mission To improve the lives of our members and the community by providing access to affordable, reliable and solution based financial services.

Our VisionTo become the financial institution of choice by providing the best service possible while going above and beyond to help our members achieve

their goals

At CRFCU we pride ourselves on being small enough to know you but big enough to bring the world to your fingertips. This means we can offer you honest, personalized advice to

make your financial future brighter.

Community Resource Hours & Locations:

Latham 20 Wade Rd., Latham, NY 12110

518-783-2211

Lobby and Drive Thru Hours

Monday 8:30 AM - 4:30 PMTuesday 8:30 AM - 4:30 PMWednesday 9:30 AM - 4:30 PM Thursday 8:30 AM - 6:00 PM Friday 8:30 AM - 6:00 PMSaturday 9:00 AM - 1:00 PM

North Greenbush 631 Bloomingrove Dr., Rensselaer, NY 12144

518-283-2211

Lobby and Drive Thru Hours

Monday 8:30 AM - 4:30 PMTuesday 8:30 AM - 4:30 PMWednesday 9:30 AM - 4:30 PM ThursdayFridaySaturday

Important Phone Numbers

Latham Branch: 518.783.2211 N. Greenbush Branch: 518.283.2211

Lost/Stolen Debit Card: 1.800.554.8969

Debit Card Fraud: 518.783.2211 after hours: 866.750.9107

NMLS #779828Routing Number: 221373338

Thank you for choosing Community Resource Federal Credit Union

for your �nancial needs.

8:30 AM - 6:00 PM8:30 AM - 6:00 PM9:00 AM - 12:00 PM