Our New Money Market Account CMCCU is pleased to announce

Our New Money Market Account CMCCU is pleased to announce our new Money Market Account! With a minimum balance of just $2,500, you will earn a higher dividend rate than a regular share/savings account or even bank money market accounts! In fact, you can earn up to 3.56% APY!* Your Money Market Account funds are more accessible than a Certificate of Deposit and your dividends will be posted monthly! Check our rates page at www.cmccreditunion.org or contact a member service representative for more information. *APY=Annual percentage yield. Rates subject to change at any time. Money market rates are tiered and based on account balance. Need Extra Cash For The Holidays? At Central Missouri Community Credit Union (CMCCU), get money by simply signing your name with our signature loans!* With a low interest rate and convenient repayment terms, CMCCU’s Signature Loans are a great alternative to payday lenders. Use your Signature Loan for any purpose — holiday expenses, debt consolidation, year-end taxes or even a winter get-away! Talk to one of our loan officers and ask about our Signature Loans today! For an even quicker response, apply online at www.cmccreditunion.org. *All applications subject to membership eligibility. Actual rate determined by credit worthiness and other factors. Earn Money With CMCCU! Get $5 For Each Referral Refer CMCCU to all your friends, family and co-workers and start raking in the dough! We’ll deposit $5 into your share account for each person you refer who becomes a member — as well as $5 into their new account! They just have to tell us you referred them when they open their account. Please remember when referring someone that they must qualify for membership. Payday Loans Don’t Pay The Real Cost Of Payday Lending Payday loans are small, short-term loans with extremely high interest rates. Typical loans are between $100 and $1000, and are usually done on 2- to 4-week terms. caught in a vicious cycle of taking out and extending payday loans for additional fees. This snowball effect becomes extremely expensive. In the above example, the cost of the initial loan is a $45 finance charge for two weeks, the equivalent of $1,170 a year, or 390% annual percentage rate! The good news: Your credit union offers alternatives to payday loans! Our signature loans are available for as little as $100, have a much lower interest rate and repayment terms that allow you to pay your loan off and save money! A $300 signature loan set up on payments for 3 or 6 months would accrue about $10-$15 in interest. Compare that to just the initial $45 fee at a payday lender. The next time you are a little short on cash, turn to CMCCU. We are happy to assist you with all of your financial needs and have your best interest in mind. Payday information courtesy of About.com. A typical payday loan works like this: You borrow $300 until your next paycheck. You write a personal check to the lender for $345 (the $300 you borrowed plus a $45 fee). The lender gives you $300 and agrees to hold your check ATTENTION KIDS: until your next payday in two Tell Santa What You weeks. When that date arrives, you redeem your check by payWant – In Person! ing the $345 in cash, or the lender deposits your check. Jolly ol’ St. Nick himself will stop by the Sounds pretty harmless, right? credit union to take Christmas requests from all the children. So kids, stop by and Regrettably, many people fall tell Santa how good you’ve been all year into this “trap”. and what’s on your holiday wish list! The problem: Many people find Santa will be at CMCCU in Warrensburg they're in no better financial Saturday, Dec. 15, from 9 a.m. to noon. shape when the loan comes due than they were when He will visit our Richmond office on they borrowed the Wednesday, Dec. 19, from 1-4 p.m. money just two He will be at the Sedalia office on weeks before. Friday, Dec. 21, from 2-5 p.m. They get 29450-NEWS-0907 CMCCU Celebrates Member Appreciation Day On Friday, Aug. 3, CMCCU celebrated Member Appreciation Day to thank our members for choosing the credit union and the services we offer. Attendees enjoyed food, fun, friends and cash! Thank you for your continued support, and we look forward to serving your needs for years to come! Join Us For The Children’s Miracle Network Supper & Auction Thursday, Nov. 8 Dinner – 6 p.m. ($3 donation) Live Auction – 7 p.m. Crafts, gift certificates, baked goods, etc. Enjoy Convenience This Holiday Season! If you have a CMCCU VISA® Credit Card, you’re in luck! You can make your holiday shopping easy by simply swiping your card and moving on to the next store. In addition, your VISA Credit Card is protected under VISA’s Zero Liability and Verified By VISA programs.* It doesn’t get any safer than that! If you aren’t currently enjoying the benefits of a CMCCU VISA Credit Card, it’s not too late! Apply today for your low-cost credit union VISA Credit Card and start enjoying: • No annual fee • Travel accident • 25-day grace period insurance • Cash advances at the • Worldwide ATM or credit union acceptance Plus, conveniently pay your credit card online, in person or by mail! This year, make it easy on yourself! Be sure to take your CMCCU VISA Credit Card with you on all your holiday shopping extravaganzas. * VISA’s Zero Liability Policy does not apply to commercial credit card, ATM transactions or PIN transactions not processed by VISA. Notify your financial institution immediately of any fraudulent use. Contact CMCCU or www.visa.com for full details. Johnson County Fairgrounds Exhibition Hall (Hwy. 50 West, Warrensburg) Please RSVP on or before Friday, Nov. 2. If you would like to donate items for the auction, please contact Julia or Judy at (660) 747-3311, Priscilla at (660) 826-6922 or Jessica at (816) 776-5593 before Friday, Nov. 2. Please donate new items only. Raffles will also be held at each CMCCU office. These will be on display and tickets available in the offices prior to the auction. Sponsored by: the West Central Chapter of Credit Unions (Central Missouri Community Credit Union, Pittsburgh Corning Glassworkers’ Credit Union and Bothwell Hospital Employees Credit Union). Easy Holiday Shopping Make CMCCU your one-stop shopping place this holiday season. Give them a gift they will love — a VISA gift card! They’ll be able to get something they really want and you’ll have a relaxing holiday season. It’s a gift for them and you! Credit Unions: Together We’re Better Celebrate International Credit Union Day With Us! We take pride in our heritage as a member-owned cooperative financial services provider and our connection to credit unions worldwide. On Thursday, October 18, we’ll celebrate International Credit Union Day along with credit unions and their members around the world. Credit unions provide a viable alternative to banks and other for-profit financial institutions for more than 172 million members in 97 countries. This year’s “Together We’re Better” theme illustrates how credit unions grow stronger by working together on local, state, national and international levels. And the result is better service to all credit union members. Holiday Closings Our offices will be closed in observance of the following holidays: Columbus Day Monday, Oct. 8 UCM Homecoming Parade Saturday, Oct. 20 Veterans’ Day Monday, Nov. 12 Thanksgiving Day Thursday, Nov. 22 Christmas Day Tuesday, Dec. 25** New Year’s Day Tuesday, Jan. 1** **CMCCU will close at noon Mon., Dec. 24 and Mon., Dec. 31 Help us celebrate on October 18! Stop by the credit union for refreshments. Each year, International Credit Union Day gives us an opportunity to remember our proud history as we promote understanding and support for the credit union difference. Be sure to join us! Warrensburg office will open at 11:00 a.m. & close at 1:00 p.m. Warrensburg Sedalia Richmond SEP 07-754 NA Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency 201 S. Holden 3120 W. 10th St. 920 Stonner Loop Warrensburg, MO 64093 Sedalia, MO 65301 Richmond, MO 64085 Phone: (660) 747-3311 Phone: (660) 826-6922 Phone: (816) 776-5593 Fax: (660) 747-2800 Fax: (660) 826-2078 Fax: (816) 776-3065 All three branches offer a 24-hour on-site ATM Lobby Mon. – Thurs.: 9 a.m. – 4 p.m. Fri.: 8:30 a.m. – 5 p.m. Sat.: 8:30 a.m. – Noon (Warrensburg only) Last Day of the Month: 8:30 a.m. – 5 p.m. Drive-Up Mon. – Thurs.: 8:30 a.m. – 5:30 p.m. Fri.: 8:30 a.m. – 6 p.m. Sat.: 8:30 a.m. – Noon (all offices) Last Day of the Month: 8:30 a.m. – 6 p.m. E-mail us at: cmccu@cmccreditunion.org Web site: www.cmccreditunion.org