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MessengerMIDCOAST MIDCOAST FEDERAL CREDIT UNION

QUARTERLY NEWSLETTER SUMMER 2017

Welcome to the new Bath office!

The fences are down, the trucks are gone and the traffic pattern has finally normalized. After months of construction, we are excited to announce that the new Bath branch is now open! The project that broke ground in the late fall of 2016, began welcoming members in May, except for one last detail, the demoli-tion of the old building. The original main

office that served the Credit Union well since the mid 1980’s, was taken down mere inches from the new structure in June to make way for the parking area to serve the new building. Joe Gervais, President/CEO remarked, “It was a challenging project due to all of the logis-tics, coupled with our goal to keep the branch open to members during construc tion. I truly appreciate our members’ patience throughout the project.”

The new 2,900 square foot building is a colorful, light-filled space with all the conveniences of a modern banking facility. The new, easier to navigate drive-through facility has two lanes and is equipped with a drive-up ATM and night depository. The new member parking area has been expanded to twenty-four spaces with wider drive lanes to accommodate larger trucks. Inside,

the facility welcomes members with four member service stations, four private offices, an expanded member lounge area and larger conference room. Additional amenities

continued on page 2

Bath Management Team: RSS, Spencer Luke; VPRS Lorraine Corscadden and MSS Rhonda Lowe.

Welcome to Bath! continued from page 1

WHEN: Saturday, July 22nd, 9:00 am – 1:00 pm.WHAT: Food, Music, Fun!Ribbon Cutting Ceremony at 10:00 amWe look forward to seeing you!

GRAND OPENINGB A T H

831 MIDDLE STREET

include, a self-service coin counting machine and an expanded inventory of safety deposit boxes with private viewing room. Lorraine Corscadden beams “The building is beautiful and it is a pleasure to greet and serve our members in the new space!”

The Credit Union, its members and employees will benefit from the lower operating costs of current construction standards. In addition, the building is well-equipped with ADA compliant service stations and enhanced fire and security controls. “We are pleased to provide the members in our founding community of Bath with this new facility to serve their financial needs well into the future. It wouldn’t have been possible

without their long-time support of the Credit Union,” added Gervais. We will be officially celebrating the grand opening of the new building on Saturday, July 22nd and invite all members to come join in the fun!

Annual Percentage Yield. Offer available to members with active checking accounts only. An active checking account is defined as having a minimum of six transactions in the last 30 days (direct deposit, ACH withdrawal debit or draft activity). Early withdrawal penalties apply.

Our convenient eServices have always saved our members time, reduced paper usage and protected their security. This year, use of our eServices products has also earned our members some green! To date, our eService Challenge has provided members a total of $962 in winnings. Simply use one of these three eServices, each and every month, for your chance to win.

CHALLENGE #1 Win $100 by Enrolling in eStatements!If you still receive a monthly paper statement, consider enrolling in eStatements. eStatements is a safe and convenient way to receive your account statement electronically. Available via Midcoast Connection, members can view and download their statements and access past statements. Enrollment is quick and easy! The best part yet, by accepting the challenge, you will be entered to win $100 in a random monthly drawing of all eStatement enrollees. Enroll today for your best opportunity to win!

CHALLENGE #2 Double your deposit with Mobile Check Deposit!If you are a smartphone user, our Midcoast Mobile application is a must have. Midcoast Mobile allows members to view their accounts, make transfers, and loan payments, but did you

know you can deposit checks with it? Throughout 2017, use Mobile Check Deposit and we might double your deposit! We will randomly select one mobile deposited check each month and credit our member’s account with the amount of the check, up to $100! The more you use it, the greater your chances are to win.

CHALLENGE #3 Let Midcoast Pay Your Bills with online Bill Pay!Put an end to postage costs, paper cuts and late bill payments with Midcoast’s online Bill Pay service. This free and unlimited service is the most convenient way to pay your monthly bills. Schedule one-time or recur-ring payments, track past, present and future transactions, and schedule eNotifications for due or paid payments. Online Bill Pay is avail-able via Midcoast Connection and Midcoast Mobile, for added convenience. As an added incentive, throughout 2017, we will randomly select one online paid bill each month and credit the member back the amount of the bill, up to $100!

Need Assistance? Try our Free Wi-Fi!

For more information on how to enroll and use these convenient eServices, visit our website or bring your device to us. All of our branches now have free Wi-Fi for our members! We will assist you in getting started and on your way to conquer the 2017 eServices Challenge. Let’s get started!

• $1000 minimum deposit • Offer ends 08/31/2017

Federally insured by NCUA

40 MONTHS

Summer CertificateS P E C T A C U L A R

1.90%APY

15 MONTHS1.01%

APY

• eStatements • Mobile Check Deposit • Online Bill Pay

Win up to $100 when you enroll in...

Your car loan will be very HAPPY

here!

1. Up to $500 cash incentive is based on 1% of the vehicle loan balance. To receive the cash incentive, the monthly loan payments must be scheduled from a Midcoast FCU checking account. 2. Payment free for 60 days. Interest will accrue daily at loan disbursement. If no payment is made within the 60 day courtesy period, the accrued interest will need to be satisfied when the first payment is made. 3. For model years 2013 and newer, you will receive the LOWER of our current offering interest rate (based on your credit score and loan term) OR your current interest rate, to a minimum of 1.99% APR, for the remaining term of your existing loan held elsewhere. Additional terms and interest rates available based on qualifying credit. This offer cannot be combined with any other Credit Union rate incentive. Existing Midcoast FCU loans are not eligible for this offer. All loan applications subject to approval. Conditions may apply. For more information call 877-964-3262.

Move it to MIDCOAST and enjoy these everyday benefits:

Up to $500 cash incentive1 Payment free for 60 days2

Rate Match Guarantee3

Concern for Community

Lobby and Drive-Up HoursMonday, Tuesday, Thursday, Friday: 8:00am–4:30pmWednesday: 9:00am–4:30pmSaturday: 9:00am–12:00pm

Contact Us midcoastfcu.me info@ midcoastfcu.me

Toll Free 1.877.964.3262 (1.877.9Midcoast)

Locations | Hours | Contact

Locations Freeport, ME 186 Lower Main St. 207.865.4443

Brunswick, ME6 Station Ave.207.729.8737

Bath, ME831 Middle St. 207.443.5531

Edgecomb, ME41 Route One207.882.7919

Thomaston, ME209 New County Rd.207.594.7775 NMLS#

415389Newsletter Editor: Lori Saucier

HolidaysAll offices will be closed in observance of the following holidays:

Independence Day: Tuesday, July 4th

Labor Day: Monday, September 4th

On June 7th, Team Edgecomb hosted our 14th annual Torch Run reception for local athletes and law enforcement. Although this leg of the run ended in Wiscasset, the Flame of Hope continued its journey to the Special Olympics Maine Summer Games in Orono.

The next time you visit our website, take advantage of two new Savvy Money® tools to improve your finan-cial health. Knowing your credit score and working to improve it is the first step to finan-cial fitness. With Savvy Money® Credit Score

you can enroll to receive your Transunion™ Credit Score for free each and every month.

You will learn about how your use of credit impacts your score and it will provide an early warning system to protect you from identity theft and fraud. With Savvy Money® Check Up, you can perform a free and anonymous financial assessment and determine your financial grade. In addition, to these great services, you can sign up to receive periodic emails from Savvy Money’s Director of Education & Editor in Chief Jean Chatzky. Midcoast is proud to help our members get savvy with their money! Enroll today!

Web Spotlight: Get Savvy with your Money!

Savvy Money’s Jean Chatzky

Attention Debit & Credit Card Holders!TRAVEL NOTICE:

VISA® has increased their fraud security filters. This means better protection for you, however it also means if you attempt to make a card present purchase outside the State of Maine, these filters may decline your transaction(s) until you can personally verify the card activity. To avoid uninterrupted use of your card(s) while on travel, please contact us prior to your trip. We can authorize use of your card(s) in the states and/or countries you will be traveling.

Congratulations to Victoria Stevens of Brunswick! Victoria has been awarded $1000 from the Diane L. Oceretko Scholarship Fund. We wish Victoria and all our graduating seniors our best wishes for successful futures.

$2500 was the amount donated to our local food pantries last month. The following food pantries each received $500 to help their communities: St. Philips Episcopal Church, Midcoast Hunger Prevention Program, Freeport Community Services, Inc., Bath Area Food Bank and Area Interfaith Outreach.

Peggy presents Liz Jenkins $500 for the AIO food pantry.