ATTEND OUR 2019 ANNUAL MEETING

Tuesday, May 21 at 6:30 p.m.Royale Orleans Banquet Center,2801 Telegraph Rd., St. Louis, MO 63125

We invite all members to learn about the growth of the credit union, as well as view the election of the board of directors and supervisory committee members. There will be attendance gifts, refreshments and prize drawings.

In addition, our scholarship winners will be announced.

Reservations are not taken.

NextDoorQUARTERLY NEWSLETTER

President’s ColumnBuying a house for the first time can be daunting. With so many things to consider, getting pre-approved is the best thing you can do before you start looking. A pre-approval allows you to shop for a home with confidence—having a clear picture of your price range and monthly payment. At Neighbors, we have a quick and easy pre-approval process, and we are excited to help you every step of the way.

When shopping for a home, make sure you come prepared. Consider what you are looking for, such as the neighborhood, school district, and other features. Try creating a budget that includes everything from moving expenses and fees, to closing costs and money down. We have tools on our mortgage website to help you calculate your loan payment, APR, tax savings, and more. If you get stuck, you are always welcome to call us with questions and concerns.

Neighbors Credit Union has streamlined home financing so everything from application to closing is handled in-house. We even offer a no-money-down option and programs for first-time homebuyers!

For more information, to view current rates or to get your free preapproval, visit the mortgage page at NeighborsCU.org, or contact the Mortgage department at 314-892-5400, ext. 11095.

Spring 2019

John ServosPresident & CEO

Opening Your Checking Account has never been easier with ClickSWITCHWith multiple account options, plus our online and mobile services, we have everything you could want in a checking account. These days, we know what a hassle it can be to switch your checking account to a new financial institution, especially if you have services like direct deposit or ACH in place. That’s why we now offer ClickSWITCH, which makes moving your checking account to Neighbors Credit Union a breeze!

This online service takes you through moving online bill payments, automated payments and direct deposit with simple, easy-to-understand, step-by-step directions.

To get started, call us at 314-892-5400 or visit your closest branch.

Spring into Projects with a Home Equity Line of CreditHave big ideas for a home rejuvenation, renovation or a long-awaited vacation? Share a photo of your improvement/project/idea on Neighbors’ Facebook, Twitter or Instagram pages with the #FlooredByNeighbors tag and open your Home Equity Line of Credit (HELOC) before June 30, 2019, and you will be entered to win $2,019.3 Make your 2019 dream into a reality!

Our Home Equity Line of Credit offers:

■ A low 12-month introductory rate of 3.95% APR4

■ Current variable rates as low as 5.50% APR4 after intro period■ No closing costs5

■ Flexibility to borrow funds when you need them■ Fast turnaround time

Whether you are looking to make home repairs, update your landscaping, enhance your home’s curb appeal or even build an entirely new addition, our HELOC has your covered. For details or to apply, visit NeighborsCU.org or contact us at 314-892-5400 to get started on your HELOC today!

3Odds of winning depends on amount of entries received. Must share picture on qualifying Neighbors social media platform and close on HELOC between April 1, 2019 and June 30, 2019 to be entered. Subject to 1099 reporting. Restrictions apply. See Neighbors Credit Union for full details. 4APR=Annual Percentage Rate. Rates are variable and accurate as of 04/04/2019. Introductory rate is applicable for first year of loan. Rate is subject to change and credit qualifications. Rate includes 0.30% discount for checking and direct deposit of a minimum of $1,000 a month. No additional discounts. Had there not been a rate discount, the applicable rate would have been 5.50% APR. APR adjusts annually during the life of the loan based on the Prime Rate published in The Wall Street Journal, plus a margin based on creditworthiness. Maximum APR is 15.0%. Not valid for existing Neighbors HELOCs. Other rates and terms available. 5If loan is paid off and closed within 24 months from opening of loan, member must reimburse the credit union for fees paid.

Member eligibility required. Restrictions apply. See Neighbors Credit Union for full details.

Earn Cash with SprintFor a limited time, earn exclusive cash rewards from Sprint for being a Neighbors Credit Union member. Neighbors members can get $100 cash per new line with Sprint for unlimited lines.6

If you are already a Sprint customer, then you can earn $100 Annual Cash Rewards and get 25% off select accessories in Sprint stores.7

Learn all about how your Neighbors Credit Union membership gets you exclusive savings and more at NeighborsCU.org or LoveMyCreditUnion.org. 6Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Avail. for eligible credit union members & member employees with qualifying corp. id. (ongoing verification). $100 Cash Reward for new smartphone lines activ. up to 15 lines. Req. activ. at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrades, replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. No add’l. discounts apply. Loyalty Reward: $100/acct./yr. when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $100/acct./yr. deposit on their 12mo anniversary transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards & click on “Cash Rewards Tracker”. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2018 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.7After 1/31/2020 pay $60/mo for line 1, $40/mo for line 2 and $20/mo/line for lines 3-5. with AutoPay. SD video streams up to 480p, music up to 500 kbps, gaming up to 2 Mbps. Data deprioritization during congestion. Other mo. charges apply.

Refresh Your Curb Appeal to Help Sell Your HouseHere are some tips and tricks to give your home’s curb appeal a refresh:

MulchA fresh layer of mulch provides visual contrast and makes foliage and flowers more eye-catching. Mulch also keeps water in the soil and provides nutrients as it breaks down, keeping your plants healthier all year long.

Seal decks and fencesAll outdoor woodwork needs protection from the elements. Invest in premium oil-based stain--it will soak into the wood and minimize prep work. Paint requires first scraping and sanding every time you need to refresh the area.

Touch up paintIf you choose to paint your woodwork, splurge and purchase top-of-the-line paint; it will last longer than economy products. Use water-based paint--it's easier to use and more environmentally friendly than oil-based products. Peeling paint can make your house look neglected and lets UV light damage the wood siding

Mow and edgeDo both on a regular basis. Trim hedges and plant flowers.

photo

Source: CUNA.org

Our Neighbors Credit Union Visa Credit Cards are Perfect for Summer Spending If you don’t have Neighbors Credit Union Visa® Platinum Credit Card, then you could be missing out on planning some summer fun. We offer great rates, generous credit limits and easy account access, plus you can receive a special introductory rate of 2.99% APR on balance transfers from June 1 through June 30, 2019.8

Our Visa Platinum Breeze credit card has a standard rate as low as 9.95% APR.9 This card is perfect for the consumer who values a low rate. If you prefer earning rewards, our Visa Platinum Rewards Credit Card features great gift card, travel and merchandise rewards. You’ll earn one point for every dollar you spend, sothe points can add up quickly.

Regardless of which card you choose, you’ll enjoy:

■ No balance transfer or cash advance fees for the first 30 days.8

■ No annual or monthly fees.■ The option to add a personal photo to your card.10

■ And more!

What’s not to like? Visit NeighborsCU.org or call 314-892-5400 to apply today!8Introductory rate valid on balance transfers made from June 1 through June 30, 2019 for new cardholders only. Discounted rate applies until 12 months after transfer initiation. 9APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Visa Platinum Breeze rates as low as 9.95% to 19.95%, and Visa Platinum Rewards rates as low as 12.20% to 20.99%, when you open your account, based on creditworthiness. 10Photo cards have a $9.95 production fee. Membership eligibility required. Restrictions apply on all offers. See NeighborsCU.org full details.

Member alerts

Contact Us If You’re TravelingTo help reduce fraud on your accounts, we

sometimes must turn off access to debit and credit cards when we see suspicious activity on them. This includes usage in uncommon locations. If you contact us before going on

vacation, we will note your account to help ensure you can use your cards when out of town. Also, be sure we have your current phone number on file in case we need to verify activity on your card prior to blocking it. Complete a travel notification form in online banking. Once you’re logged in, select Travel Notifications under Additional Services.

Debit Cards & Car Rental MerchantsNeighbors Credit Union debit cards cannot be

used at car rental merchants. Before you travel, be sure to have your Neighbors Credit Union Visa

Platinum credit card for your car rental needs.

Your Check DigitA check digit is issued when you open a

Neighbors Credit Union checking account. It can be found onthe bottom of your checks following the account number. This digit is required when

you request electronic payments or direct deposit so your debit or paycheck is routed to the correct

account. If you have a Neighbors Credit Union checking account, but are unable to find your

check digit, please call one of our branches, and we will be happy to assist you.

Notice of Change MEMBERSHIP AND ACCOUNT AGREEMENTThe following information pertaining to the payments of overdrafts and returned item fees is added to the Payments of Overdrafts Section of our Membership and Account Agreement that was previously provided to you.

Your account may be subject to a fee for each item regardless of whether we pay or return the item. We may charge a fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item.

The terms of the Membership and Account Agreement are revised as described above. Please keep a copy of this Notice with the Agreement. Except as set forth in this Notice, the Agreement is unaffected and shall continue in full force and effect in accordance with its terms. If there is a conflict between this Notice and the Agreement, the terms of this Notice will prevail.

To view the full Membership and Account Agreement, please visit NeighborsCU.org. If you have any questions or concerns about the update, feel free to contact us at (314) 892-5400.

Board Members NeededWe are now accepting applications for Board and

Associate Directors. If you would like to apply to be on Neighbors Credit Union’s volunteer Board of Directors

Visit NeighborsCU.org.

314-892-5400 NeighborsCU.org

Downtown ▪ Ellisville ▪ Fenton ▪ Florissant ▪ HazelwoodJennings ▪ Manchester ▪ South County ▪ St. Peters

Neighbors Credit Union6300 South Lindbergh Blvd.St. Louis, MO 63123-7804

PRSRT STDU.S. POSTAGE

PAIDST. LOUIS, MO

PERMIT NO. 175

Spring 2019

Important DatesShred Day

Saturday, May 11, 2019Once again, we’ve teamed up with Shred-it®, the company that professionally destroys our paper

data, to shred your personal documents at our South County location. We invite you to bring up to five boxes

of paper to shred – absolutely free! We ask that you only bring paper items to be destroyed and take the

container you brought with you when you leave.

If you don’t live near our South County location or are unavailable that day, we have teamed up with

other area credit unions to help! You can also shred up to five boxes of your documents for free at other

participating area credit unions. Visit NeighborsCU.org for a complete listing of shred locations and dates.

holiday closingsMemorial day

Monday, May 27

Independence dayThursday, July 4

Join Us for a Home-Buying SocialThursday, June 6th, 20196:00 P.M. to 9:00 P.M.

Trailhead Brewing Company921 S. Riverside Drive, St Charles, MO 63301

For more information about the event or to RSVP, please contact Brian at 314-892-5400, ext. 12024, or visit NeighborsCU.org.

Receive$1,000 off closing costs11

11 Must present coupon at time of application. $1,000 will be given as a lender credit at closing. Valid from 06/06/2019 – 12/31/2020. Restrictions apply.