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					                             Your Financial Resource from Midwest Credit Union

                               Get Some Extra Jingle                                                                         Get Ready For
                               With A Holiday Loan!                                                                          Autumn With
                               This year, don’t rely on department-store charge cards or
                               payday loans for your holiday shopping.
                                                                                                                               Our Falling
                                                                                                                              Loan Rates!
                               Get a holiday loan from Midwest Credit Union, and
                               borrow up to $1,200 at 8.99% APR.* You’ll have the                                                         Rates
                               loan paid off before the next holiday season arrives.                                                    As Low As
                                                                                                                                       4.29% APR*
                               This deal is sure to put anyone in the holiday spirit!
                               *APR=Annual Percentage Rate. Loan availability is based on member credit and other factors.   Celebrate the changing seasons by
                               See the credit union for complete details.
                                                                                                                             changing your vehicle! Now is the
                                                                                                                             time to purchase a pre-owned
                                                                                                                             vehicle or refinance your current one.
                                                                                                                             Midwest Credit Union is offering
Stuff Your Stocking With Savings!                                                                                            discounted loan rates through
                                                                                                                             October 16, 2009. See the charts
                                                                                                                             below to see how low your rate can
Be Prepared Next Year With Our                                                                                               fall!
Christmas Club Account
                                                                                                                              Model Years 2008-2009
Midwest Credit Union’s Christmas                                                                                                     Term                         APR*
                                                                                                                                36    months                      4.29%
Club Account is an easy,
                                                                                                                                48    months                      4.49%
convenient way to save for the                                                                                                  60    months                      4.69%
holidays. This special account                                                                                                  72    months                      5.09%
lets you set aside funds all year
long, so you can pay cash for holiday                                                                                        Model Years 2005-2007
purchases.                                                                                                                            Term                        APR*
                                                                                                                                 36    months                     4.49%
You can choose to have deposits automatically                                                                                    48    months                     4.69%
withdrawn from each paycheck, or you can make                                                                                    60    months                     4.89%
                                                                                                                                 72    months                     5.29%
deposits yourself. We don’t require a minimum
balance, and you’ll earn interest on your savings!
                                                                                                                             Besides low rates, every Midwest
Contact us today to open your Christmas Club Account, and your next holiday                                                  Credit Union Auto Loan also comes
season is sure to be merry and bright!                                                                                       with our guarantee:
                                                                                                                             • No hidden charges
                                                                                                                             • No prepayment penalties
Christmas Club Funds Distribution Notice                                                                                     • Flexible repayment terms

Christmas Club members who have been saving for the coming holiday season                                                    Contact us today to start your
can expect a little extra jingle in their accounts on October 1, 2009. On that day,                                          season off right!
Midwest Credit Union will transfer Christmas Club funds to your savings account –                                            *APR=Annual Percentage Rate. Offer valid through
                                                                                                                             October 16, 2009. Rates listed are lowest possible rate.
just in time for early holiday shopping!                                                                                     Rate will be determined by member creditworthiness. Current
                                                                                                                             MCU loans are ineligible. See MCU for complete details.

Online Bill Pay Gets Even MORE Convenient
We’re excited to announce that our online bill pay upgrade has been successfully
completed! To serve you better, this upgrade features an easier-to-use version of
Online Bill Pay with more timesaving details, plus all the features you’ve come to
expect in bill pay. All of your payees have carried over to the new system, as well as
any scheduled payments and up to 18 months of payment history.

If you’re not currently using Online Bill Pay, now is a great time to start! Manage your
money and pay your bills with the click of a mouse! Imagine this – no more stamps,
no last-minute rush to the post office and no more penalties for late payments. Visit, and click on Online Banking.

If you have any questions regarding the upgrade, please let us know.

                                                                   Your Money. Your Choice. Your Credit Union.
                                                                   Join Us October 15 For International Credit Union Day!
                                                                   Do you remember why you chose Midwest
                                                                   Credit Union to be your financial services
                                                                   provider? It may be among many reasons
                                                                   shared by the 177 million people in 96
                                                                   countries who have also chosen credit
                                                                   unions, but it most likely has something
                                                                   to do with the common philosophy of
                                                                   people helping people.

                                                                   Unlike other financial institutions, credit                                   member. Remember, you are in charge of
                                                                   unions are not-for-profit, democratically-                                    your money and your credit union.
                                                                   controlled, volunteer-run, member-owned
                                                                   cooperatives. We exist to serve our mem-                                      We are proud of our heritage as a coopera-
                                                                   bers, and that level of service has                                           tive financial services provider and our
                                                                   remained high for nearly 70 years, even                                       connection to the 49,000 credit unions
Go Green With                                                      during the toughest times. Instead of issu-
                                                                   ing stock or paying dividends to outside
                                                                                                                                                 worldwide. On October 15, we’ll join credit
                                                                                                                                                 unions and their members around the
E-Statements!                                                      shareholders, we provide value to our                                         world to celebrate International Credit
                                                                   members by returning earnings in the                                          Union Day and recognize the benefits
There is no need to wait for your print-                           form of lower loan rates, higher interest on                                  those institutions bring to their members.
ed account statement to arrive in the                              deposits and limited transaction fees.
mail. Sign up for e-statements, and                                                                                                              Receive a $25 cash reward when people
easily view it by logging in to our                                This year’s theme celebrates the advan-                                       you refer to the credit union join on
secure Online Banking.                                             tages of credit union membership. Value,                                      International Credit Union Day!*
                                                                   trust and service are just some of the many
There are other advantages, too:                                   benefits of being a Midwest Credit Union                                      We look forward to seeing you there!
• E-statements can be saved into your
                                                                  *Member eligibility required. $25 reward offer valid on 10/15/09 only. See credit union for complete details.
  computer's memory or printed
• You're notified by e-mail when your
  e-statement is available for viewing                               Change Is Good!
• You help the environment by saving                                 Over the course of the next few                                            Watch this space for more information,
  paper                                                              months, Midwest Credit Union will be                                       as well as sneak previews of the
                                                                     preparing for a data processor                                             changes to come!
You must log in to Online Banking                                    conversion in order to provide our
in order to use e-statements. If you                                 members with even better service.
are new to Online Banking, visit, and click on                                   Member Loan Notice
Online Banking. Please use your
personal e-mail address when you                                  Midwest Credit Union has consistently offered our members low loan rates, and all
complete your enrollment for                                      our loans feature no annual or hidden fees.
e-statements. Once you enroll, we
will notify you by e-mail when your                               Not all consumers are as fortunate, and Congress recently passed into law a regula-
statement is available.                                           tion intended to protect consumers from the unfair practices of several large credit-
                                                                  card issuers. The reach of the new law may be broader than originally intended, and
                                                                  the new regulation will affect all “open-end loans” at all financial institutions. This
Deposit Rates                                                     includes loans offered by Midwest Credit Union.
Rates as of September 15, 2009
Savings                                         .15% APY*         Additional information regarding the new regulation has been sent to those members
Kirby Club Account                              .15% APY*         who may be affected by the changes. If you have questions or concerns about your loan
Money Market                                     .35% APY*        accounts with Midwest Credit Union, please contact us.
Certificate of Deposit
6 Months                                       1.00% APY*         Holiday Closings
12 Months                                      1.56% APY*
18 Months                                      1.56% APY*         The credit union will close in observance of the following holidays:
24 Months                                      1.76% APY*         Columbus Day                  Monday, October 12                              Christmas Day Friday, December 25
36 Months                                      2.01% APY*         Veterans Day                  Wednesday, November 11                          Christmas Eve Thursday, December 31
*APY=Annual Percentage Yield. All rates are subject to            Thanksgiving                  Thursday, November 26                                                         (Close at 1 p.m.)
change without notice. For the most current rates, please call
(314) 837-2500.                                                   Christmas Eve                 Thursday, December 24                           New Year’s Day Friday, January 1
                                                                                                (Close at 1 p.m.)

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

                                                                 Credit Union Hours
                                                                 Monday, Tuesday, Thursday                                                  9 a.m. – 5 p.m.
                                                                 Wednesday                                                                  10 a.m. – 5 p.m.
                                                                 Friday                                                                     9 a.m. – 6 p.m.
                                                                 Saturday                                                                   9 a.m. - Noon                                                                                                                                                    SEP09-665MCI

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