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					                             Your Financial Resource From Midwest Credit Union

                                               Thank You!
Are You Still
Paying For
Your Checking                                         Take Advantage Of Our
Account?                                            Member Appreciation Special
Keep Your
                                               We know you have a choice when it comes to your financial institution, and we’re
Cash With                                      glad you chose Midwest Credit Union! To show our appreciation for another great
Midwest                                        year, we’re offering low rates on our auto loans when you finance a new or used
                                               vehicle with us, or bring us your auto loan from another lender!
Credit Union
                                                   Term                                    APR*                                                     As
                                                   36 m ont hs                             2. 59%                                                 Low As
                                                   48 m ont hs                             2. 79%
                                                   60 m ont hs                             2. 99%                                          2.59%                     APR*
                                                   72 m ont hs                             3. 59%

                                               In addition to low rates, every
                                               Midwest Credit Union auto loan
                                               comes with our guarantee:
                                               • No hidden charges, application
                                                 fees or prepayment penalties
                                               • Affordable loan protection
                                               • And much more!

Late last year, Bank of America decided        Contact us today to take advantage of our member appreciation special!
against charging a $5 monthly debit card       *APR=Annual Percentage Rate. Rates and terms are subject to change and based on member credit and other factors. Vehicle models
fee due to consumer backlash. However,         2005 and newer are eligible for offer. Current MCU auto loans are ineligible for refinancing. Offer valid 1/2/12-2/29/12. Contact the
                                               credit union for complete details.
the damage has already been done.
Consumers are upset with the big banks
and their excessive fees, and experts agree
that credit unions are a good option for
consumers. Midwest Credit Union
still offers free checking and great
                                               Throw Away Your Debt –
convenience services!
                                               Not Your Money
Our checking account features:
                                               Keeping high-interest debt with your credit cards, store accounts or even payday
• Free Visa debit card with surcharge-free     loans is like throwing your money away. Now is the time to dump the high rates
  access to 28,000+ CO-OP Network ATMs         and fees, and transfer your balance to a debt consolidation loan from Midwest
  (more than Bank of America!)                 Credit Union. We’ll help you pay down your
• Free online account access with secure       debt without trashing your budget!           As                                    Low A
  E-Statements and bill pay                                                                                                            s
• No monthly fees or minimum balance
                                               Borrow as much as
                                               $10,000 for up to
                                                                                                                  10.99%                         APR*
• And much more!                               36 months at rates
                                               as low as 10.99% APR!*
Stop paying fees to the Wall Street banks,
and start keeping your cash local with         We don’t charge any application fees, and you won’t
Midwest Credit Union. Switch your              pay any balance transfer or refinance charges. Our
checking account today!                        staff can even help you consolidate your bills, so
                                               there’s no extra hassle.

                                               Keep your money. Ditch the debt. Contact us today to
                                               throw away your debt!

                                               *APR=Annual Percentage Rate. Rates and terms are subject to change and based on
                                               member creditworthiness. Contact MCU for complete details.

                                                                                                             2012 St. Louis Show
Take Our Loans To The Show
                                                                                                             35th Annual St. Louis RV Vacation & Travel Show
It may be a little cold for camping, fishing, gardening or hitting the                                       1/13/2012 - 1/15/2012
open road, but vendors in the St. Louis convention centers are                                               America's Center, St. Louis
already warming up their best deals for next season. Before you                                    
head to the shows to find your next boat, deck, camper, car, hot
tub or sunroom, talk to Midwest Credit Union.                                                                The St. Louis Auto Show
                                                                                                             1/26/2012 - 1/29/2012
                                                                                                             America's Center & Edward Jones Dome, St. Louis
                                    We can pre-approve you for the
                                    financing you need, so you can take
                                    advantage of the cash-back offers, special sales and                     St. Louis Boat & Sports Show
                                    rebates featured at each show. Whether it’s a vehicle                    2/8/2012 - 2/12/2012
                                    loan, an RV loan or a home equity line of credit, our                    America's Center & Edward Jones Dome, St. Louis
                                    rates are often lower than manufacturer financing rates,       
                                    and we offer low-cost loan insurance. Plus, you’ll walk
                                    in as a cash buyer, so you’ll have the leverage you need                 St. Louis Home & Garden Show
                                    to negotiate the best deal possible.                                     2/23/2012 - 2/26/2012
                                                                                                             America’s Center & Edward Jones Dome, St. Louis
                                    Contact us today to make those plans for your home,
                                    garden or recreational vehicle a reality!

                         Thanks For Celebrating With Us!
                         In October, credit union members worldwide celebrated
                         International Credit Union Day and its theme: Credit Unions Build
                         A Better World. Locally, Midwest Credit Union members, guests
                         and staff attended our member appreciation day complete with
                         refreshments. We also held a coloring contest for our Kirby Club
                         members. Congratulations to our winners!
                             First prize     Lily Connoyer, age 4
                             Second prize Gregory Bushman, age 4
                             Third prize     Jerrica Flakes, age 12

We had a great time visiting with members and would
like to thank all who celebrated International Credit Union                                                                     Loan Specialist Valery Fry is
Day with us. Our continued success is a prime example of                                                                     ready to offer passersby tasty
how the cooperative spirit transforms individuals and                                                                         refreshments and information
advances communities, the first steps toward building a                                                                                 on the credit union!
better world.

                                                                                                                        Mr. Lawrence Getz and MCU
                                                                                                                        Vice President Donna Hahn
                                                                                                                        choose the winners of the
                                                                                                                        coloring contest. Mr. Getz has
                                                                                                                        been a member since 1985!

                                                                The credit union displays
                                                                submissions for the Kirby
                                                                Club coloring contest.

Holiday Closings                                               Deposit Rates                                           Certificate of Deposit
                                                                                                                       6 Months                .25% APY*
The credit union will close in observance of the               Rates as of December 20, 2011
following holidays:
                                                                                                                       12 Months               .45% APY*
                                                               Savings                     .10% APY*                   18 Months               .65% APY*
Martin Luther King, Jr. Day Monday, January 16                 Kirby Club Account          .10% APY*                   24 Months               .85% APY*
                                                               Money Market                .20% APY*                   36 Months              1.00% APY*
Presidents Day                Monday, February 20
                                                                            *APY=Annual Percentage Yield. All rates are subject to change without notice.
                                                                                   For the most current rates, please call (314) 837-2500.

                                                    #11 Flower Valley Shopping Center • Florissant, MO 63033
                                                                               (314) 837-2500 • Fax (314) 921-6746

                                                    Credit Union Hours
                                                    Monday, Tuesday, Thursday, Friday 9 a.m. – 5 p.m.
                                                    Wednesday                                                10 a.m. – 5 p.m.
                                                    Saturday                                                 9 a.m. – Noon                                                                                                                DEC11-904 MT

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