President’s MessageDear Member,

I’m happy to say our new regional headquarters facility is complete and running smoothly. If you haven’t had a chance, please take the time to stop in and check out our new coin machine, ATM, and teller dialogue stations. The stations feature teller cash recyclers and personal service without the traditional barrier of a half wall. (See picture below.)

Please remember our ATM is still available at the 537 Bay Street branch location. Although the property has been sold, we have an agreement with the new owners to continue to operate the ATM.

Please refer to tbacu.com and our Facebook page for the latest TBACU news.

Warmly,

Karen Browne CEO

CorrespondenceP.O. Box 1049Traverse City, MI 49685-1049

Regional Headquarters630 East Front StreetTraverse City, MI 49686

2900 W. South Airport RoadTraverse City, MI 49684

Congratulations to those honored this year for outstanding work in the field of education! We thank you for your dedication and service.

Heather Thoma, Member Service Representative

Convenience at your FingertipsBusy grading papers? With TBA Credit Union’s new mobile app, you won’t have to leave your home to take care of financial transactions! Compatible with iOS and Android devices, TBA Credit Union’s mobile app allows you to transfer funds, check balances, deposit checks and more. Download the app for free from the app store or visit tbacu.com to learn more.

Retire comfortably someday. Contact TBACU today.Our CFS* Financial Advisor Andrew Maniaci can help you plan for the future you envision, whether this means a winter residence somewhere warm or finally taking that bike trip you’ve been planning.

• 401K, 403b and 457 Rollovers

• Retirement income strategies

• Long Term Care Insurance*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally in-sured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. TBA Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

2014 Outstanding Persons in EducationSara Papineau, BuckleyCraig Bauer, Elk Rapids Kris Baker-Donnan, Frankfort-ElbertaRobert Lewallen, GT Bay Area MEA-retiredAndrew Urquhart, KalkaskaSara (Kate) Stevens, NorthportMichelle Couturier, Suttons BayGary Worden, TBAISDDebra Risk, TBAISDSusan Randazzo, Traverse CityLavern (Vern) Wolfgram, Traverse City (in memoriam)Rick Watzel, Traverse City

With a heavy heart, we extend our condolences to the family and friends of Vern Wolfgram. He will be missed.

2014 Outstanding EducatorsDeborah Menchaca, Teacher, TBAISD Career-Tech CenterAmy Muzzarelli, Teacher, Elk Rapids High SchoolCindy Pascoe, Teacher, TCAPS Central High SchoolErick Chittle, Administrator, GTACS St. FrancisBecky Callery, Teacher, GTACS SEASMartha U’Ren, Support Staff, TCAPS West Senior High SchoolHeather Wares, Teacher, TCAPS West Middle SchoolKelly Rintala, Teacher, TCAPS West Senior High SchoolLynne Tobin, Teacher, The Pathfinder SchoolRod Taplin, Teacher, GTACS St. Francis

Congratulations! We salute you!

Fall 2014

P: 231.946.7090800.678.0987

tbacu.comSpecial Educators’ Edition

The Report Card

Classroom Improvement Grants TBA Credit Union has awarded $5,000 in 2014 to area schools through Classroom Improvement Grants. Educators from Antrim, Benzie, Grand Traverse, Kalkaska and Leelanau counties are eligible to apply for grants for up to $1,000.

New funds will be available January 1st. To apply, visit tbacu.com to complete an online application.

Wendy Patton, Forest Area Middle School Teacher; Cindy Lardie, Marketing & Education Coordinator

Fall 2014

Hours: Monday-Friday

9 a.m.-5 p.m.

Holiday Closings Thanksgiving, 11/27/14; Christmas, 12/25/14; New Year’s Day, 1/1/15Closing at 1:00 p.m. 12/24/14 & 12/31/14

Special Educators’ EditionThe Report Card

Show your SpiritShare your school pride with TBA Credit Union Spirit Checks. For each box of checks ordered with your school’s logo, TBACU will donate $2 to your school! To learn more, contact a Member Service Specialist today.

SUTTONS BAY

TCAPS

ELK RAPIDS

FOREST AREA

GTACS

KINGSLEY

GLEN LAKE

MANCELONA

KALKASKA

BUCKLEY

LELAND

GT ACADEMY

ST. MARY’S

Enjoy the PerksISBV Class Receives Spark! Reward This past June, Mrs. Cullen and her students at the International School at Bertha Vos were surprised at a school assembly with the second Spark! Reward prize package of the 2013-14 school year. With each deposit her students made at their Student-Run Credit Union, Mrs. Cullen’s class was entered to win a prize package valued at over $250, along with 18 other area schools. As the winner, Mrs. Cullen’s class enjoyed a pizza party, toys for the playground and more! Mrs. Cullen

Enjoy the perks of being a school employee with TBA Credit Union’s annual Perk Card! This year’s card features savings from Relish, Living Light Massage, Higher Grounds Trading Company, Yen Yoga and Fitness and more! Visit tbacu.com to learn more about TBACU member benefits for educators.

TBACU Salutes Student Achievement Last year, TBA Credit Union donated $7,000 to area scholarship programs. Mancelona senior Garret Derrer received $1,000 at a Grand Traverse Area Retired School Personnel luncheon and Nicole Sanford, and Ashley Smith, both Traverse City seniors, each received $500 scholarships at the Grand Traverse Bay Area MEA-Retired luncheon. TBACU also donated $5,000 to Northwestern Michigan College’s Annual Fund.

Congratulations to all the scholarship recipients! Amy Derrer and Garret Derrer

On the go? TBACU is ready to serve you! ATMs are available at numerous locations in Traverse City.Not in Traverse City? Check out the TBACU mobile app or tbacu.com to find a shared branching ATM closest to your location.

Regional Headquarters: 630 East Front StreetSouth Airport branch: 2900 W. South Airport RoadBay Street: 537 Bay StreetHoliday Hills: 2400 Holiday RoadOryana Natural Foods Market: 260 E. Tenth StreetT. C. West Senior High School: 25376 N. Long Lake Road

ATM$ in your Area