The Value of Membership in Simplot Employees Credit UnionWITH SO MANY CHOICES FOR A FINANCIAL INSTITUTION, WHY SIMPLOT EMPLOYEES CU?• Low or no fees• Free checking• Free real-time online access to your

account• Free Mobile Access• Free Bill-Pay• Free account-to-account and

person-to-person transfers• FreeaccesstoATM’sintheCo-Op

network nationwide• FreeRemoteDepositCapture

to make deposits remotely via Smartphone

• Great loan and savings rates• Talk to a person…not an answering

machineWe are here to serve you with

personalized service.

Auto Loan SpecialThe holidays may be over, but here is a present from Simplot Employees Credit Union. Purchase or refinance a new or used vehicle with SECU during February or March and get a $75 GIFT CARD, plus you can DELAY YOUR FIRST PAYMENT FOR 90 DAYS!!*You will also have the advantage of our great loan features:• CompetitiveRates• Bi-weekly & Weekly payment options• Automatic payments from payroll deduction• LowCostGAP,MechanicalRepair

andDebtCancellationProducts

PO Box 190 Caldwell, Idaho 83606 • Phone: (208)454-4286 • Fax: (208)454-4394 • website: simplotecu.comJANUARY 2018

…to our members for donating over $5,400 to Ronald McDonald House Charitiesthroughourholidayskip-a-payprogram,aswellasbuyingchocolatebarsand RMH cookbooks.

THANK YOU!

EMV on the WayInoureffortstokeepyouassafeandsecureaspossible, ourEMV(Chip)DebitCardswillbeontheirwaytoyoubythe end of March 2018.

Make sure your credit union has your updated address information to ensure timely delivery.

CU Day at the Capitol: We will be closed Tuesday January 30 so our entire staff canattendCUDayattheCapitolandbringthegreatCUmessage to lawmakers.

Annual Meeting: Sun., February 11 from1to3p.m.attheCaldwellSeniorCenter.1009EverettSt.Caldwell,ID.

Feb-March: Delayfirstloanpaymentfor90days(seeinformationabove).April: VISACreditCardbalancetransferpromotion.June Skip-A-Pay:Fora$25donationtoRonaldMcDonaldHouseCharitiesofIdahoyoucanskipyourJuneloanpaymentatSECU.Somerestrictionsapply.Availableonclosed-endcurrentloans.Notavailableonline-of-credit,VISAcredit,or mortgage loans. See coupon on page 3

Member Appreciation Day: Fri., August 10 Cometothecreditunionbetween11:00a.m.and2:00p.m.forhotdogs,doorprizedrawing,andavisitwithfriends.

December Skip-A-Pay. Details later in the year

Add to Your 2018 Calendar

*Loanmustbenewmoneyofatleast$10,000.00withatermofatleast60months.

$75 GIFT

CARD*

We miss you when your account is dormant!Ifyouraccountbecomesdormant(meaningyoudon’thaveasavings,checkingorloantransactionduringtheyear)forfiveyears,theStateofIdahorequiresustosend them the balance in your account. All you have to doisdepositabuckortwotoyouraccount,getaloanatthecreditunion,orsimplysendusasignednoteindicatingyoudon’twanttodoanyofthosethings.Besides,ifyouaren’tusingthiscreditunionforyourchecking and borrowing needs; you are probably paying too much in interest or fees.

Don’t be a stranger – get active in your credit union!!

We are looking for good members…And you can help by sharing. Don’tkeepthegoodnewsaboutwhatagood credit union you own…yes….you are a member owner if you have joined the credit union. Tell your immediate family members they can join. And if you are employedbytheJRSimplotCo.ortheiraffiliates,yourcoworkerscanjointoo!Share this newsletter with them or tell them to give us a call. They can join and getthesamegreatbenefitsyougetasamember/ownerofSimplotEmployeesCU.

*Active.Fee:Upto$30/line.Creditapprovalreq.SprintCreditUnionMemberCashRewardsOffer:OfferEnds12/31/2018.Avail.foreligiblecreditunionmembersandmemberemployees(ongoingverification).TaxIDreq.toestablishbusinessacct.SwitchtoSprintandreceivea$100cashrewardforeachnewsmartphonelineactivation.Reqs.port-infromanactivenumber(wirelessorlandline).Existingcustomersreceivea$100cashrewardforeachnewsmartphonelineactivationand/ora$50cashrewardforeachsmartphonelinetransferredtoprogram.Newlinesreq.activationatpointofsale.Max15lines.Sprintacctmustremainactiveandingoodstandingfor31daystoreceiveCashReward.ExcludesMBBdevices,tabletsandSprintPhoneConnect,upgrades,replacementsandportsmadebetweenSprintentitiesorprovidersassociatedwithSprint(i.e.VirginMobileUSA,BoostMobile,CommonCentsMobileandAssurance.)Maynotbecombinablewithotheroffers.$50LoyaltyCashReward:Memberscanearnone$50cashrewardannuallywhenSprintacctremainsactiveandingoodstandingfor1year.Max15lines.CashReward:CashRewardissuedbyCUSolutionsGroup.Allow6-8wksforCashRewardtobedepositedtoyourCreditUnionacct.IftheCashRewarddoesnotappearafter8wks,visitlovemycreditunion.org/sprintrewards.OtherTerms:Offers/coveragenotavail.everywhereorforallphones/networks.Maynotbecombinablewithotheroffers.Offer,terms,restrictions,andoptionssubjecttochangeandmaybemodified,discontinued,orterminatedatanytimewithoutnotice.Restrictionsapply.©2016Sprint.Allrightsreserved.SprintandthelogoaretrademarksofSprint.Othermarksarethepropertyoftheirrespectiveowners.

Simplot Employee Credit Union Members Get Exclusive Discounts from Love My Credit Union RewardsEveryonelovestosave,especiallyonproductsandservicesyouuseeveryday.That’swhatLoveMyCreditUnionRewardsisallabout.Membershavesavednearly$2billionindiscountsfromvaluedpartnersthroughLoveMyCreditUnionRewards.Youcansavetoowithvaluablediscountsfromthesepartners:

♥ $100cashrewardwitheverynewlineactivatedwithSprint!Currentcustomerswillreceivea$50cashrewardforeverylinetransferredintoSprintCreditUnionMemberCashRewards.Plus,geta$50loyaltycash reward every year for every line.*

♥ Save up to $15 on TurboTaxfederalproducts!

♥ Getanexclusivesmokecommunicatoranda$100giftcardwithanewADT monitored home security system. Call844-703-0123toactivatethisspecialoffer.

♥ Get trusted protection at true savings with the TruStage Auto & Home Insurance Program.

♥ Shopandgetcashbackatover1,500onlineretailerswithLove to Shop

Tofindoutmoreandlearnaboutothervaluablediscounts,www.simplotecu.com or LoveMyCreditUnion.org. YougetalltheseoffersanddiscountsjustforbeingamemberofSimplotEmployeesCreditUnion!

Community CORNER

Holiday Closings New Year’s ...................................................... Saturday, December 31, 2016 Monday, January 2, 2017 Martin Luther King, Jr. Day ............................. Monday, January 16, 2017 Presidents’ Day .................................................Monday, February 20, 2017 Memorial Day ........................................................... Monday, May 29, 2017 Independence Day .......................................................Tuesday, July 4, 2017

TruStage insurance products are only available to credit union members. Your membership means competitive rates, helpful guidance without sales pressure and quality products trusted by your credit union. Regardless of your budget, we can help make sure the protection you need makes sense. It’s all part of smart planning and caring about the aspirations and achievements of those who matter most.

Call us, we’ll help you understand all of your options so you can choose the one that is best for you and your family.

Life and AD&D 1-855-612-7909Auto & Home 1-888-380-9287Visit us at TruStage.com

TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members.TruStage™ is the marketing brand for the insurance products. The Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. Life and accidental death & dismemberment insurance is sold through CMFG Life Insurance Company.

The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

MC2645AD-0812

insurance Built for Credit union MeMBers like YouExclusively for credit union members

Trustage™ INSURANCE PRodUCtS

Say You’ll Attend The 2017 Annual Meeting

Long Island Community FCU’s 2016 Annual Meeting will be held Thursday, February 16, 2017 at the Credit Union Office, 200 Belle Terre Road, Port Jefferson, NY (property of St. Charles Hospital). It will begin at 6:00 p.m.

We hope to see you there! You can learn about the credit union’s past year performance and our plans for 2017. You can also talk with other members and credit union staff.

Get Your Tax Refund Faster With Direct DepositJust a reminder when you are completing your tax return this year, to indicate that you want your refund to be directly deposited into your account at the credit union. You will receive your funds much faster by

having your money deposited directly into your share or draft account.

Just include our routing number (221479397) and your savings account number or your 14 digit checking account number. And remember, if you file a joint tax return, it must go into a joint account.

Mission StatementLong Island Community Federal Credit Union

is a financial cooperative that strives to provide our MEMBER-OWNERS with

competitive and professional financial services in a friendly, courteous atmosphere,

conveniently accessible for each MEMBER.

2017 College Scholarship Program

The credit union will award two $500.00 scholarships to students graduating from high school who plan on continuing their education. To be eligible, the student must be a 2017 high school graduate and:l A member, or living in the same household as a memberl Accepted or currently enrolled in an accredited college, vocational or trade school.

Please submit your entry form by June 1, 2017. Limit one entry per student. All winners will be notified by mail and a list of the winners will be posted in the office.

Family members of LICFCU employees and officials are not eligible for scholarships.

Happy New Year!The Board of Directors, volunteers and staff of LICFCU hope

you had a safe and happy holiday season! We are here to help our members. Turn to us for all your financial needs in 2017!

skip-a-payment and help raise funds for Ronald mcDonald House *

* some restrictions apply. see reverse.

it’s Back! it’s Back!

skip-a-payment and help raise funds for Ronald mcDonald House *

* some restrictions apply. see reverse.

it’s Back! it’s Back!

JUNE SKIP-A-PAYMENT - submit with your May 2018 payment

Congratulations!You’vebeenselectedtoparticipateinSimplotEmployeesCreditUnion’sSkip-a-Paymentprogram! A$25donationperloantoRonaldMcDonaldHouseCharitiesallowsyoutoskipyourJunepayment(s).*ToapplyfortheSkip-a-Payment,completetheinformationbelowandreturnitwithyourmethodofpaymenttothecreditunion.We’lltakecareoftherest!**

MemberName(s)_______________________________________________________

Member#:_____________________________________________________________

Loan#(s):_____________________________________________________________

Daytimephone#:_______________________________________________________

Emailaddress:__________________________________________________________

Pleasedebitmy:

_______SECUCheckingAcct#____________________________________________

_______SECUSavingsAcct#_____________________________________________

_______Ihaveincludedacheckfor$25

Signature(s)(Allborrowersontheloanmustsign): |Date:

_________________________________________________________|___________

_________________________________________________________|___________

Terms:Excludesrealestateloans,creditcardloans,andlines-of-credit. By signing this form,youauthorizeSECUtoextendyourfinalloanpaymentby one month. This can increase the total interest you pay over the lifeoftheloan.YoursignaturealsoauthorizesSECUtodonate$25 to Ronald McDonald House Charities.Interestwillcontinueto accumulate on your loan during the month you skip your payment. Payments via payroll deduction will be deposited into yourSECUsavingsacct.Loansmust be current. This postcard mustbereceivedbySECUat least 5 days prior to your payment due date.

*(1)monthly,(2)bi-weeklyorsemi-monthly,or(4)weeklypayments**somerestrictionsapply

Office Hours: 9:00 a.m. to 5:30 p.m. Monday – Thursday and 8:30 a.m. to 5:30 p.m. FridaysWhenyoucallSimplotEmployeesCreditUnionduringourofficehours;yougetapersonnotavoicemail.

Ifyoudon’twanttotalk;youcanaccessyouraccountonlineat www.simplotecu.com Wehavemobileaccesstoo!

FollowusonFacebookat:www.facebook.com/Simplotecu

An Important Letter to our Valued Members

ByjoiningSimplotEmployeesCreditUnionyoumadethesmartchoicetoprotectyourfamily’sfinancialfuture.

SimplotEmployeesCreditUnionisanot-for-profitfinancialcooperativeownedbymemberslikeyou.Becausewearenot-forprofitandownedbyourmembers,SimplotEmployeesCUisexemptfromcorporateincometax.(Wedopayothertaxessuchaspayrollandproperty).

Wedon’tanswertoWallStreetinvestorsorworryaboutgeneratingreturnsforstockholders.Creditunionsareinvestedinourmembers,ourlocalcommunities,andlocalbusinesses–notinthestockmarket.Ouronlyconcernisprovidinghigh-qualityservicesandproductstoyou–ourmembers–atthemostaffordableratespossible.That’swhywereturnanygainstoyouthroughlowerinterestratesonloans,higherratesonsavings,andlow(orno)fees.

Thefor-profitbanksdon’tlikeourmember-drivencooperativemodel.IfwewantSimplotEmployeesCreditUniontostaystrongandprotectourfamilies’financialfutures,wehavetoensurecreditunionsstaytop-of-mindforlawmakersinWashington,D.C.andinstatelegislatures.Electedofficialshearfrombanklobbyistsallthetime.Tomatchthem,wemustallstepupandtellCongressandstatelawmakersthecreditunionstory,thatcreditunionsareaconsumer’ssafestandbestoptioninfinancialservices.Wearealsothestrongestadvocatesforthemiddleclass.

Nothingismorepowerfultoelectedofficialsthanwhentheyhearfromtheirconstituents.Yourvoice,asacreditunionmember,ismoreeffectivethananybanklobbyist,period.

Tothatend,youwillbereceivingperiodicupdatesthroughemailandopportunitiestoshareyourviewsaboutcreditunionsinthemonthsahead.Asalways,yourprivacyisourtopconcernandyoucanoptoutatanytimefromreceiving emails or mailings from us.

Thankyouforbeingamember/ownerofSimplotEmployeesCreditUnion.Takeyourmembershiptothenextlevelin2018byhelpingusfightfortheprotectionofcreditunions.

Asoneofour4800members,andoneof105millioncreditunionmembersacrossthecountry,youropinionmatters.

Sincerely,

Val Brooks President/CEO