we’ve given over $310,000 credit score forever …

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AUG 2019 SUMMER NEWSLETTER Today almost one third of all Americans suffer from low credit scores costing them thousands of extra dollars on their loans. To avoid falling into bad credit, here are 3 rules to live by: 1. Pay your bills on time 2. Only borrow what you need 3. Only use half of any available credit card limit Just by following these easy steps your score will start to climb up to where it needs to be. Over the last 4 years MVFCU has given a total of $310,000 back to YOU, the member owner. When we say It Pays to Bank Where You’re Part Owner we mean it. Giving back to our member-owners is one of the benefits of MVFCU membership. Qualifying members receive a bonus/ patronage dividend over and above regular dividends, as well as low loan rates and low or no fees. Earn a larger dividend by borrowing, saving or using your MVFCU Debit Card. Ask us for more details about our COOP Patronage Dividend today. WE’VE GIVEN OVER $310,000 IT PAYS TO BANK WHERE YOU’RE PART OWNER! Greater Mankato’s Community Credit Union Since 1934 CREDIT SCORE Looking to buy a new house this fall? Make MVFCU your one stop shop for all of your mortgage needs. You can pay your low rate loan straight from your checking or savings account right from your phone. We offer a variety of fixed and variable rate mortgages. Our friendly staff saves you time, money and home loan hassles. Save Money. Borrow Local. Yes You Can! FOREVER HOME. LOCAL LOAN!

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Page 1: WE’VE GIVEN OVER $310,000 CREDIT SCORE FOREVER …

AUG2019

SUMMERNEWSLETTER

Today almost one third of all Americans suffer from low credit scores costing them thousands of extra dollars on their loans. To avoid falling into bad credit, here are 3 rules to live by:

1. Pay your bills on time 2. Only borrow what you need 3. Only use half of any available credit card limit

Just by following these easy steps your score will start to climb up to where it needs to be.

Over the last 4 years MVFCU has given a total of $310,000 back to YOU, the member owner. When we say It Pays to Bank Where You’re Part Owner we mean it. Giving back to our member-owners is one of the benefits of MVFCU membership. Qualifying members receive a bonus/ patronage dividend over and above regular dividends, as well as low loan rates and low or no fees. Earn a larger dividend by borrowing, saving or using your MVFCU Debit Card. Ask us for more details about our COOP Patronage Dividend today.

WE’VE GIVEN OVER $310,000

IT PAYS TO BANK WHERE YOU’RE PART OWNER!

Greater Mankato’s Community Credit Union Since 1934

CREDIT SCORE

Looking to buy a new house this fall? Make MVFCU your one stop shop for all of your mortgage needs. You can pay your low rate loan straight from your checking or savings account right from your phone. We offer a variety of fixed and variable rate mortgages. Our friendly staff saves you time, money and home loan hassles. Save Money. Borrow Local.

Yes You Can!

FOREVER HOME.LOCAL LOAN!

Page 2: WE’VE GIVEN OVER $310,000 CREDIT SCORE FOREVER …

Protect yourself MANKATOUPTOWN OFFICE1640 Adams Street

P.O. Box 4399Mankato, MN 56002

MANKATODOWNTOWN OFFICE

100 Memorial View CourtP.O. Box 4399

Mankato, MN 56002

LOBBY HOURSMonday - Friday9:00AM-5:00PM

Saturday (Uptown Only)8:00AM-12:00PM

DRIVE-UP HOURSMonday - Thursday7:30AM - 5:30PM

Friday7:30AM - 6:00PM

Saturday8:00AM-Noon

PHONE NUMBERSOffice: (507) 387-3055

Toll Free: (800) 247-0522Fax: (507) 387-5235

A.R.T.: (507) 387-3088A.R.T. Toll Free:(877) 886-9100

Lost/Stolen Card:(800) 234-5354

PIN Change:(888) 891-2435

[email protected]@[email protected]

MISSION STATEMENTTo exceed the expectations of our “member - owners” and become their most valued and trusted financial institution, always in keeping with the cooperative principles.

TELL US WHAT YOU WANT. WE LISTEN. THEN DELIVER. YES YOU CAN!

MOBILE BANKING

At Minnesota Valley our mobile banking app is fast, secure and, above all, easy. Access and manage your accounts from your smartphone or mobile device.Download the Mobile MVFCU from the Apple or Google Play Store today to see just how friendly online banking can be.Learn more, visit us at: mnvalleyfcu.coop

APPLE 4.8 Stars — 201 RatingsANDROID 4.7 Stars — 149 Ratings

GET THE APP

It’s back to school season again. There are a lot of things to get ready for the new school year and none of them are cheap. From buying books to paying for room and board, all those costs add up quick. MVFCU would like to help you pay for your education with a Student Loan. The Student Plus Loan is an educational loan supplement to federal financing for full-time, half-time, and part-time undergraduate and graduate students. If you need a little extra help paying for your school talk to a loan officer today or visit our website at www.mnvalleyfcu.coop.

STUDENT LOANS

Yes You Can!

PhishingThieves devise ingenious ways to steal information from debit card holders. Online, they might try phishing you via email, posing as your bank or another reputable agency and requesting your card information and PIN number.

Always contact your bank directly, not by replying to a possibly phony email.

When shopping online with your debit card, make sure the “http” in the browser bar turns to “https” on the checkout page before you enter any billing information.

Never reveal your PIN number to anyone, even trusted friends and relatives. Check your bank account frequently.

Always contact your bank if anything looks suspicious.