PO Box 107Antigo, WI 54409-0107

WISCONSIN

ANTIGO Main Office

723 Sixth Ave.

Antigo Main Driveup801 Sixth Ave.

Antigo Northside Driveup2209 Progress Blvd.

APPLETON665 Ridgeview Drive

CRANDON502 W. Pioneer St.

ELCHON11333 Antigo St.

MENASHA 1093 Appleton Road

NEENAH 625 Deerwood Ave.

RHINELANDER905 Boyce Dr.

RIB MOUNTAIN151220 Baltimore Lane

ROTHSCHILD27 Brown Blvd.

SHAWANO911 E. Green Bay St.

Shawano Main St. Driveup604 S. Main St.

STEVENS POINT1200 Badger Ave.

SUAMICO1670 Sunset Beach Rd.

WAUSAU303 S. First Ave.

WESTON4903 Schofield Ave.

MICHIGAN

CRYSTAL FALLS, MI1 Credit Union Way

IRON RIVER, MI303 Fourth Ave.

MENOMINEE, MI1011 23rd Ave.

800-398-2667www.covantagecu.org

NCUA

Surcharge-Free ATMs located at:• Every CoVantage Location listed above • Lakewood Super Valu, 17186 Twin Pine Lake Rd., Lakewood• White Lake Market, 633 Bissell St., White Lake • Sav-A-Lot Food Store, W2818 Warrington Rd., Keshena• Over 30,000 CO-OP and Alliance One Network ATMs (Visit www.covantagecu.org for a listing)

LOCATIONS

• Quick loan decisions• Financing up to 84 months• Eligible for loan interest rebate

TO APPLY: Visit www.covantagecu.org, call 800-398-2667 (Option 2), or ask for CoVantage financing at your dealership.

*APR is for a 24 month term car loan, up to 75% financing, for those with credit scores of 722 and above. Estimated payment per $1000 is $42.76. Rates/APRs effective 6/17/2020. Only eligible borrowers who meet CoVantage Credit Union credit requirements may qualify. Other rates and terms available.

IMPORTANT DATES

INDEPENDENCE DAYSaturday, July 4Closed

LABOR DAYMonday, September 7Closed

Dollars

Our Mission To welcome all

regardless of wealth; provide outstanding

value and exceptional service; work with

members experiencing financial challenge;

and remain financially strong.

&SenseSUMMER 2020

Heat, Air Conditioning, and Welcoming All~ Charlie Zanayed, CEO/President

Some of the fondest memories I have of my years growing up come from a 900 square

foot second floor apartment that my mom, dad, brother, sister, and I lived in. If I describe my family as “close” growing up, it isn’t just a sentiment; at times we were in close quarters. I vividly remember one particular summer that was exceptionally warm with many days reaching into the high 80s and 90s. As you can imagine, a second floor apartment can get quite a bit warmer than the outside temperature, and I learned that summer that the old adage, “hot air rises” is a fact. The very warm temperatures made sleeping those nights more challenging than it typically is for most of us today. Despite the fact that it was decades ago, I recall my uncle and his family visiting on a particularly warm day and being quite uncomfortable with the fact that we did not have air conditioning. That very day, my uncle went to the local store and bought a window air conditioning unit for my family. I’ll never forget his generosity. ‘Welcome all regardless of wealth’ are the first five words in CoVantage Credit Union’s mission. For us, our mission is not just words we say or put on our website – they guide how we strive to operate your cooperative. One way we take our mission to heart is by providing small dollar loans to members. In 2019, we provided over 6,000 members with a loan of $1,000 or less, and over 15,000 members with loans of $5,000 or less. While some financial institutions balk at doing such small loans and have accountants that explain how these loans are not profitable, we don’t provide them because of profit. The fact is, we know that some members who need to borrow even $25 may need money for food or utilities during a particularly difficult time.

When I think about CoVantage, and the miracle of a credit union that is consistently rated among the best performing and healthiest credit unions nationally with $2.1 billion in assets, more than 120,000 members, headquartered in a town of 8,000, serving many low and moderate income communities in Central and Northern Wisconsin and the Upper Peninsula of Michigan, it’s a remarkable success story made possible by the loyalty of our member-owners. I can’t completely quantify it, but I firmly believe that many of our members know that by banking with CoVantage, they are not only banking with a credit union that provides outstanding value and was ranked number one in the country out of over 5,000 credit unions in member value (as ranked by Callahan and Associates in 2019, Callahan is an independent credit union research company); rather I believe some members bank with CoVantage because they know that by doing so they are providing a means for their cooperative to help provide small dollar loans for things like a window air conditioner. We know today many of our friends, neighbors, and families have lost jobs or have had incomes reduced. These are incredibly difficult times for so many. We know we can’t solve every problem, but CoVantage is grateful for your loyalty which continues to allow your financial cooperative to do incredible good. Thanks to your loyalty, it is fair to say we have assisted thousands of members during our most recent challenges. If you or your family need help, or you’d like to know about some of the ways we’ve provided assistance to member-owners, please go to covantagecu.org/covid19, and you’ll be able to see the resources we’ve made available. Thank you!

Enable the Voice Banking Skill to getstarted today by first downloading the Alexa app.

CoVantage Credit Union Voice Banking can provide financial information and process transactions with a few simple voice commands. Once enrolled, you can do things like:

FIND YOUR BALANCE

MAKE A PAYMENT TO A LOAN

TRANSFER FUNDS TO YOUR SAVINGS OR LOANS

VOICEBANKING

NEW!NEW!

You must be enrolled in MyCoVantage to use Voice Banking. If you are not enrolled, you may self-enroll on our website prior to using Voice Banking.

*Google Assistant coming soon!

CoVantage Retirement & Investment Services is a financial management

program designed to help credit union members organize their goals and plan for their financial future. Through the program, you have access to financial management resources, and a wide range of protection products, investments, and insurances. You will have access to resources that can help you identify your future objectives and make appropriate financial decisions. Consultations are available at no cost or obligation.

Are You Ready for What’s Next?

Dan JacksonFinancial Advisor

Steve BandyFinancial Advisor

Krista M. KarowFinancial Advisor

Your life is busy enough without spending time sorting through stacks of paper bills. Cut this chore down to size by using MyCoVantage Bill Pay.

Busy Lives Need Bill Pay

nMake payments to individuals, local businesses, or national vendors. nFunds to pay your bills digitally are deducted from your checking and sent to the payee either electronically or by paper check.nArrange for one-time payments quickly and easily.nPayment for recurring bills can be scheduled in advance.nSet up alerts to remind you when bills are due.nUse bill pay at no charge from your PC or mobile device.

Click on the “Pay” iconin MyCoVantage to start using Bill Pay today!To set up an

appointment, call715-627-4336, ext. 2288

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-3124673.1-0620-722

with Amazon Alexaand Google Assistant*

nRates as low as 6.24% APR

nReceive one point for every $1 charged nEarn points for merchandise, travel, fuel discounts, or cash

Reap the REWARDS!

Managing Financial Uncertainty

Has the coronavirus-related crisis left you feeling overwhelmed about bills, debt, future income, and more? If you need financial guidance, CoVantage offers a free service for you to speak with certified counselors on a variety of concerns who are available six days a week.

877-337-3399 M-Th: 7 am – 9 pm Fri: 7 am – 6 pm Sat: 8 am – 5 pm

For helpful information and other resources visit:

www.greenpath.com/coronavirus

On Monday, July 6, lobby and drive-up hours will change at some of

our branches to better accommodate member needs and to better utilize our staff. The changes are as follows:

Appleton: There will now be lobby and drive-up hours from 8:30-noon on Sat.

Crandon, Rhinelander & Iron River: Drive-up hours will be 8 am-5 pm Mon.-Thurs. and 8 am-6 pm Fri. In addition, Rhinelander’s lobby will now be open 8:30-noon Sat.

Menominee and Crystal Falls: Drive-up hours will be 8 am-5 pm Mon.-Fri. In addition, the lobby in Menominee will be open from 8:30-5 pm on Fri., while the lobby in Crystal Falls will be closed on Sat.

Elcho: Drive-up hours will be 8 am-5 pm Mon. & Wed. and 8 am-6 pm Fri.

To view new hours at a specific branch, visit www.covantagecu.org/Locations-Hours after July 6.

Get Cash andMake Purchases!

ATM/DEBIT CARD

nDeducted from your checking accountnNo monthly bill or interest to paynFree withdrawals at over 30,000 ATMsnPurchases are rounded up and transferred to savings when enrolled in “Change IT UP” Automatic Saving Program

*Annual Percentage Rate (APR) accurate as of 7/1/2020 and will vary with the market based on the Prime Rate and the borrower’s credit worthiness. $2 fee for cash advances. $5 fee to replace a lost card. $10 fee for late payments (if payment is 10 or more days late). Advertised rate is for credit scores of 722 and above.