HEADLINES from Quarter Ending December 2007 on your chance to win our Super Bowl Party Package! Loans approved through January 31st are eligible, so apply today! Will you be ready for retirement? What about your children's college education? An IRA with Members Source Credit Union can help you plan for a solid financial future. We offer Traditional, Roth and Education Individual Retirement Accounts. RATE SPECIAL! CONTRIBUTIONS FOR 2007 February 1 - April 30, add an extra 0.25% to can be made through April 15th - our already great IRA certificate rates! make yours today! 1358 ATTENTION: FORMER GRIFF-LAND CREDIT UNION MEMBERS… EFFECTIVE MARCH 1, 2008, THE ROUTING AND TRANSIT NUMBER ASSIGNED BY THE FEDERAL GOVERNMENT TO GRIFF-LAND CREDIT UNION WILL BE RETIRED. If you receive any type of automatic deposit to your account, for example social security, payroll or pension, you must provide the originator with the Routing and Transit Number assigned to Members Source Credit Union. If you are still using personal checks with the Griff-Land Routing and Transit Number, new checks must be ordered. Member Source Credit Union’s Routing and Transit number is 271991210. If you have any questions, please contact the credit union office. CREDIT UNION CLOSINGS January 21st.................... Martin Luther King, Jr. Day February 18th ..................................... Presidents’ Day IT PAY$ TO READ YOUR NEWSLETTER! There are two member account numbers somewhere in this newsletter. If you find yours, call the credit union and we will deposit $25.00 into your share account! LOCATIONS and HOURS 8580 Virginia St. 1903 45th Ave. Merrillville, IN 46410 Griffith, IN 46319 Phone: 219-756-4141 Phone: 219-924-1570 Lobby: Mon. - Fri. 8:00 am - 5: 00 pm Lobby: Mon. - Fri. 8:00 am - 6:00 pm Drive-Up: Mon. - Fri. 7:30 am - 5:30 pm Sat. 9:00 am - 2:00 pm Sat. 9:00 am - 2:00 pm ContactUs@ms-cu.com www.ms-cu.com … you were told you won a lottery you didn’t even play? … someone you didn’t know asked for your help spending their inherited fortune? If it sounds to good to be true, chances are it is! Believe it or not, identity thieves have used these and many other scenarios to successfully steal personal information everyday. The good news is, you can protect yourself, both online and off! ♦ Check your credit report annually. You can get a FREE credit report each year from all three credit bureaus. Just visit www.annualcreditreport.com or call 877-322-8228 for details! ♦ Review all your account statements. When available, opt for online statements rather than paper. ♦ Shred all paper statements and other confidential information, don’t just throw it in the trash. ♦ Use only secure mailboxes to send and receive mail. ♦ Be cautious if you’re asked for personal information over the phone or the internet. Offer to call or email them at a number or email address you already have - don’t take their information. Find out other ways to protect yourself by visiting our website. Our Resource Center page has links to many useful sites! Health Savings Accounts (HSA). Watch your newsletter for more information! Members Source Credit Union, along with several Northwest Indiana Credit Unions joined forces with Strack & Van Til and McDonalds to support the Food Bank of Northwest Indiana’s Check Out Hunger campaign. Including the 15 credit unions that participated, there were 35 branches accepting donations. In addition, three Credit Union Service Center locations in Portage, Hammond and Hobart participated and containers were also placed in Hammond area NIPSCO offices and the Merrillville Post-Tribune office. Our sincere thanks to the members that helped raise food and money for this charity! Looking for an easy way to start? Opt for electronic statements rather than paper. Not only will you help the earth by saving paper, you’ll usually have quicker access online without waiting for your mail. Call us today and let us know you want to Go Green! * Don’t want to miss out on our newsletter? You don’t have to! Just click the What’s News section on our website. Get your VISA statements online too! Click VISA Online at www.ms-cu.com. Sign in and select Electronic Only as your delivery method! It’s that easy to start! * Must have Home Banking to access Statements Online. We’re trying to Go Green too! Starting in January, we are no longer mailing receipts for phone transactions unless requested. January 2008 Service on the Board of Directors and the Supervisory Committee of Members Source Credit Union provides a unique opportunity to shape the future of the credit union movement and ensure that Members Source Credit Union’s direction remains consistent with the needs of its members. My own experience on the Board has been very enriching and, as the start of the formal election process approaches, I encourage interested persons to consider seeking nomination. The election process begins with the Call for Nominations in mid January and ends with an announcement of the election results at the annual meeting of the members on March 18, 2008. A full packet of information, including eligibility requirements, is now available at the Credit Union office. Board service is a great way to have your voice heard and to help the credit union community. If you would like further information on Members Source Credit Union’s election process, please contact Chuck Donovan at 800-260-5183 or send an email to Elections@ms-cu.com. Yours truly, Ken Foley Chairman, Nominations Committee Members Source Credit Union Completed petitions must be returned to the credit union by close of business on Friday, February 15th, 2008 so pick up your packet today! Enjoy an appetizer buffet and cash bar while you meet the staff and directors of your credit union, catch up on what we’ve accomplished this year, find out where we’re going tomorrow and who’s going to take us there with the election of directors! * Watch for Save the date! your Tuesday March 18th, 2008 at 6:30 pm invitation in February! The Patio Restaurant - 7706 Broadway, Merrillville, IN 46410 * In accordance with credit union bylaws, no nominations will be accepted from the floor at the meeting. "MONEY CAN'T BUY HEALTH, HAPPINESS OR WHAT IT DID LAST YEAR." - Unknown Look for the symbol to access your account! Visit www.creditunion.net or call 800-919-CUSC (2872) For an up-to-date directory of all locations across the United States We’ve added another 24-hour ATM for your convenience, located in the parking lot of our Griffith office in the Griff-Land Plaza! Not close enough? You can always find surcharge-free ATM locations through our website, just click the Alliance One link on our homepage! We have some of the best VISA rates around! Leave those high interest rate credit cards behind. A balance transfer to your Members Source VISA pays the same rate as purchases and there’s NO FEE! Just call our office to get the process started. Don’t have a VISA with Members Source? Now’s a great time to apply! Retirement can be an exciting time, but it can also come with many concerns. If you are retired or are thinking about retiring, maybe we can help! Members Source Credit Union is inviting all members ages 50 - 65 to an upcoming presentation, hosted by Brad Werner and Andy Mason of Brad Werner & Co. Financial Retirement Services. Mark your calendars! The presentation will be on Wednesday, February 27th, 2008. Location, time and RSVP details will be mailed later this month. Brad Werner and Andrew Mason are Registered Representatives offering securities and advisory services through National Planning Corporation (NPC), Member FINRA/SIPC, a Registered Investment Adviser. Securities are not insured by the FDIC/NCUA or any other federal government agency, have no financial institution guarantee, and may lose value. Brad Werner & Co. and NPC are separate and unrelated companies. "THE SAFEST WAY TO DOUBLE YOUR MONEY IS TO FOLD IT OVER AND PUT IT IN YOUR POCKET." - Kin Hubbard Financial Stats (as of November 30th, 2007) Total Assets .................................... $53,907,155.24 Thank you for Total Shares ................................... $45,857,872.76 letting us Outstanding Loans........................ $22,412,323.72 serve you!