Commitment to Community

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					                                                           Commitment to Community
                                     Locally-owned • Locally-operated • Locally-minded
                                    Community outreach                      Charitable fundraisers                         Educational seminars
        FALL                      Dedicated to our local community,         MembersAlliance sponsors several               Financial literacy is a key part
        2010                      MembersAlliance reaches out in
                                  many ways including sponsoring
                                                                            fundraisers throughout the year
                                                                            for LOCAL organizations such as:
                                                                                                                           of the credit union philosophy.
                                                                                                                           MembersAlliance offers free
                                  local events, such as Rockford            Stateline Youth for Christ Tutoring            educational opportunities
                                  Park District's "Music in the Park"       Clubs; Shelter Care Ministries;                for our members and non-
                                  or WQFL's July Fourth "Prayer             RW Victory Lap Brunch; Alpine                  members throughout the year,
                                  Breakfast". This October, we will         Kiwanis; MDA; Keep Northern                    including Money Smart Week in
                                  be sponsoring two special events:         Illinois Beautiful; Easter Seals and           April. This fall, we are offering
                                                                            more. Below is an example of how               several informational classes, all
                                  COMMUNITY SHRED DAY                       our members can help us make a                 beginning at 6pm and held at
                                  Saturday, Oct. 9th 9am-noon               difference in our community.                   our S. Alpine location:
                                  MACU drive up lot - 2550 S.
                                  Alpine Rd. (at Harrison)                  EASTER SEALS LILY SALE                         Thurs., Oct. 21 - Managing
                                  Prevent Identity Theft! Bring             This August, MACU participated                 your Health Insurance
                                  your unwanted personal papers             in the first annual Easter Seals               Choices in Tough Times
                                  and documents for free on-site            Lily Sale to raise money for the
                                  shredding by Paper Recovery               Rockford Autism Therapeutic                    Tues., Oct. 26 - Federal
                                  Corp. Limit 2 boxes or 100 lbs. please.   School. Members were invited to                Long Term Care & Estate
On October 21, we will                                                      purchase a "lily" for $1 with all
celebrate International                                                                                                    Planning in Light of 2011
                                  B103 RADIO "COMMITMENT                    monies raised going to this local              Tax Changes
Credit Union Day with             TO COMMUNITY" ACTIVITIES                  organization. A total of $647 was
this year's theme "Local.
                                  MembersAlliance will be featured          raised (in just 10 working days)               Wed., Nov. 17 - Alphabet
Trusted. Serving You." At
MembersAlliance, we're proud      in the www.b103fm.com website,            with our S. Alpine branch earning              Soup? Understanding
to continue serving the needs                    talking about              top sales. At the Alpine branch,               Medicare. . .
of our members and our local                     our Commitment             MACU proudly presented a check
community.                                       to Community.              to local Easter Seals staff and                Read more inside!
                                  We will be participating in               students pictured below:
Inside this newsletter is         several outreach events with
valuable information we hope      B103fm Radio this fall including
will help you, our members,       a HALLOWEEN TREAT BAG
make good financial choices.      GIVEAWAY on Fri., Oct. 22,
Especially in challenging times   during the Sean & Kathy
as these, we encourage you        morning show on B103fm
to take full advantage of your
                                  radio. MACU will be handing
credit union membership.
Meet your borrowing and           out free bags* to kids at our
saving needs with our             locations. A B103 personality will                                                            Consumer Loan Rate Discount
member-friendly, low-priced       be at one of our branches that
                                                                            Pictured left to right: Lorna Cote, MACU                 Teen Xtreme Credit Class
services. Locally-owned and       morning.
                                                                            Director of Mktg.; Lori Linley from Easter
operated, we're focused on        Listen to                                 Seals; Melissa Peterson, MACU Alpine                       Homeowners Coverage
YOU.                              B103 for                                  branch manager; Julia Heglund, top selling
                                                                                                                                           Your Home's Equity
                                  details.                                  teller, MACU Alpine branch; Justin Drennen,
Thank you for your patronage!     *while quantities last                    Easter Seals Sr. class teacher; Josh Trevino
                                                                                                                                        Prevent Identity Theft
                                                                            & Skylar Dodson, Easter Seals Rockford
                                                                            Autism Therapeutic School students;                 Convenience of Online Bill Pay
                                                                            Josh Towle, MACU Asst. Member Service
                                                                            Manager; and Cheryl Sio, MACU President.         New features of VISA Credit Card
                                                                                                                                         A special anniversary
                                    Committed to Providing You with the Best Loan Rates, the Best
                                            Service and the Best Terms that are Best for YOU!
                                                This October, we will be offering a .25% discount on Consumer Loans*!
                                                If you're in the market for a car, boat, motorcycle, RV, off-road ATV, snowmobile, computer,
                                                or another need . . . apply now and save on our already low
                                                consumer loan rates!

                                                Never opened a loan with MembersAlliance before? Go ahead and                                                     .25% off
                                                compare –our rates meet or beat the competition, hands down.
                                                And our lower fees, personal service, and prompt attention to your
                                                                                                                                                                 our already
                                                needs is second to none. Get pre-approved and make your best                                                      Low Loan
                                                deal. You'll be glad you did– that's our commitment to you.                                                        Rates!*

                                          And remember, no matter what type of loan, we always encourage
                                          you to borrow responsibly. To prevent financial difficulties, manage debt and spending
                                          wisely; borrow within your means; create and stick with a spending plan that takes into
                             account all your financial obligations; and consider the increasing prices of insurance, gasoline, utilities,
                             and groceries.

                             Finally, ask yourself the following question: How much can I realistically afford to spend on loan
                             payments and still live within my means? A MACU loan representative will be happy to assist you.

                             * Valid on loans disbursed Oct. 1-31, 2010. Discount applies to consumer closed-end fixed term loans only. New loan proceeds only. Not applicable to mortgage, home
                             equity, share secured or Visa loans. Subject to credit approval. Rates may vary.



                                                                            Is the doctor in?
                 Attend these Free Educational Seminars on Current Healthcare Topics
Managing Your Health Insurance Choices and Costs in Tough Financial Times
presented by BlueCross BlueShield of Illinois
Thursday, Oct. 21 6:00p.m.-7:00p.m.
MembersAlliance Credit Union - 2550 S. Alpine Rd. - Rockford
Please RSVP to MACU at 815-226-2260 OR to BlueCross at 800-382-4548

If you are under 65, in between jobs, losing your group coverage, self-employed, shopping for health care or retiring early,
this seminar is for YOU!

Topics to be covered include:
                                                                                                                                     Did you know MembersAlliance
•	 What to look for in a health insurance plan                                                                                       offers Health Savings Accounts
•	 How to maximize your health plan benefits                                                                                     (HSA's) with checking & debit card
•	 How to find a plan that fits your budget                                                                                      options? Ask a member service rep
•	 Questions to ask when selecting a plan
                                                                                                                                                         for details.
•	 What is a HSA? What are the benefits?

Alphabet Soup? Understanding Medicare...
presented by Williams-Manny Insurance Horizons Group
Wednesday, Nov. 17 6:00p.m.-7:00p.m.
MembersAlliance Credit Union - 2550 S. Alpine Rd. - Rockford
Please RSVP to MACU at 815-226-2260 Or to Williams-Manny at 815-227-8939

Topics to be covered include:
•	 Medicare eligibility
•	 Parts A,B,C,D explained
•	 Enrollment options
•	 Medicare Supplements
•	 Recent changes - what you need to know
                                                                  S pare
                                                                  Ch ange                                                       Celebrating 35 Years
  Sign up for freedom with                                            IceHogs skate into a new season-
                                                                      IceHogs skate into a new season-                         with MembersAlliance
  Sign up for freedom with                                                                                                      Celebrating 35 Years
                                                                      members can get tickets for less!
                                                                      members can get tickets for less!                        with MembersAlliance
                                    Online Bill Pay
                                    Online Bill Pay                   We are proud to again sponsor the Rockford
                                                                      We are proud to again sponsor the Rockford
                                                                      Icehogs for the 2010-2011 season. Members can
                                                                      Icehogs for the 2010-2011 season. Members can
Online bill pay makes it easy to control
Online bill pay makes it easy to control                              purchase discount ticket
                                                                      purchase discount ticket
your payments and manage your account.
your payments and manage your account.                                vouchers at any MACU
                                                                      vouchers at any MACU
Here are some convenient features of our
Here are some convenient features of our                              location: cost is $8 for
                                                                      location: cost is $8 for
new iPayDirect Online Bill Pay product:*
new iPayDirect Online Bill Pay product:*                              Mezzanine Endzone
                                                                      Mezzanine Endzone
                                                                      and $11 for Mezzanine
                                                                      and $11 for Mezzanine
• Schedule single or recurring payments
• Schedule single or recurring payments                               Sideline ticket seats.*
  in just a few steps, and you’ll never                               Sideline ticket seats.*
  in just a few steps, and you’ll never                               Bring your voucher(s) to the
                                                                      Bring your voucher(s) to the
  worry about missing a bill or late fees
  worry about missing a bill or late fees                             Metro Centre box office to                               On September 15, 2010,
                                                                                                                               On September 15, 2010,
• Track your payment history at a glance                              purchase seats for the game of your choice.
                                                                      purchase seats for the game of your choice.              Cheryl A. Sio, President
• Track your payment history at a glance                              Go Hogs! *Subject to availability.
                                                                                                                               Cheryl A. Sio, President
   and follow all past, present and future
  and follow all past, present and future                             Go Hogs! *Subject to availability.                       of MembersAlliance
                                                                                                                               of MembersAlliance
   scheduled transactions
  scheduled transactions                                                  Exciting changes made to our
                                                                          Exciting changes made to our                         Credit Union, celebrated
                                                                                                                               Credit Union, celebrated
                                                                                 VISA Credit Card!                             her 35th anniversary
                                                                                                                               her 35th anniversary
• Receive helpful e-Notifications that let                                      VISA Credit Card!                              year with the credit
  you know when payments are due or a
  you know when payments are due or a                                 If you are a MembersAlliance Visa Credit Card            year with the credit
  bill has been paid                                                                                                           union. Congratulations,
                                                                                                                               union. Congratulations,
  bill has been paid                                                  holder, you should have received a new card which
                                                                                                                               Cheryl, on achieving this
                                                                                                                               Cheryl, on achieving this
                                                                      you were asked to activate starting August 29th.
• Use the convenient online bill pay
• Use the convenient online bill pay                                                                                           milestone and thank
  messaging center to keep tabs on                                    Have you activated your card yet? Simply call the        milestone and thank
  messaging center to keep tabs on                                    phone number on the new card from your home              you for your years of
                                                                                                                               you for your years of
  account activity or inquire about your
  account activity or inquire about your                              phone to activate it.                                    dedication.
                                                                                                                               dedication.
  online payments
  online payments
It's so Easy to Use! Follow these 3 steps:                            Here are some important facts about your
It's so Easy to Use! Follow these 3 steps:
1. Login to your                                                      new card service:
1. Login to your
online banking account at                                             •   When accessing your Visa account online, you
online banking account at
www.membersalliance.org                                                   no longer go to ezcardinfo.com. You now access
www.membersalliance.org
                                                                                          your Visa card by logging on to
2. Use the bill payment link to access                                                    our WebDirect online banking,
2. Use the bill payment link to access
the enrollment form                                                                       clicking on your credit card
the enrollment form
                                                                                          account, and clicking on the
3. Complete the enrollment
3. Complete the enrollment
                                                                                          "Access MyCardInfo" button to           Who says money
                                                                                                                                  Who says money
form and you’ll be all set!*                                                              view your account on screen.
form and you’ll be all set!*                                                                                                      doesn't grow on
                                                                                                                                  doesn't grow on
Not signed up for
Not signed up for                                                     •   Your payment due date is now the 11th of each                 trees?
                                                                                                                                       trees?
online banking?
online banking?                                                           month.
We can help! Simply stop in any of our
We can help! Simply stop in any of our                                •   You will still enjoy Travel and Merchandise              Tutoring Clubs
                                                                                                                                   Tutoring Clubs
locations and fill out a form requesting a
locations and fill out a form requesting a                                rewards along with event tickets, gift cards,              2nd Annual
                                                                                                                                     2nd Annual
WebDirect username and password for
WebDirect username and password for                                       account credits & more with the new Choice
your MACU accounts; call and ask for a
your MACU accounts; call and ask for a                                    Rewards program. Earn points with every                      Holiday
                                                                                                                                       Holiday
form to be mailed to you; go to our web-                                  purchase.
form to be mailed to you; go to our web-
site, print the form & return it; or ask a
                                                                                                                                    Fundraiser is
                                                                                                                                    Fundraiser is
site, print the form & return it; or ask a                            •   If you have questions on your card, there is a 24-
member service rep for assistance.
member service rep for assistance.                                        hour call center available at 800-234-5354, or            coming soon!
                                                                                                                                    coming soon!
                                                                          you are welcome to contact MACU.                         Watch for details
                    GO GREEN!                                         •                                                            Watch for details
                    GO GREEN!                                             If you have a change to your address or phone
    -Sign up for online banking
    -Sign up for online banking                                           number, it is important that you contact MACU so
    -Sign up for E-statements
    -Sign up for E-statements                                             they can update your card information.
    -Sign up for online bill pay
    -Sign up for online bill pay
                                                                      •   If you're using an online bill pay product to make
                                                                          your monthly Visa payment, please be sure you
                                                                          have changed the account information to your
*Member will be charged $6.95/month for online bill pay service. If
*Member will be charged $6.95/month for online bill pay service. If
you have a CheckMaxPlus checking account, online bill pay is free.
                                                                          new card.
you have a CheckMaxPlus checking account, online bill pay is free.
                                                                                                                                    Prsrt Std
                                                                                                                                  US Postage
2550 S. Alpine Rd.                                                                                                                    PAID
Rockford                                                                                                                          Rockford, IL
6951 Olde Creek Rd.                                                                                                              Permit No 781
Rockford
404 Franklin St.
Oregon
3902 W. Riverside Blvd.
Rockford
7219 Walton St.
Rockford
4781 E. Rockton Rd.
Rockton
             Your deposits are insured to $250,000 per account.
             This institution is not federally insured.



    printed on paper from recycled components



www.membersalliance.org




                                                                     2010 Mark your Calendar!*
                                                       October 9     Community Shred Day - 2550 S. Alpine location (drive up lot) 9am-noon

  Our Direct Lines                                     October 11    Columbus Day - traditional offices closed**

     S. Alpine Rd.                                     October 21    FREE SEMINAR entitled "Managing your Health Insurance Choices in
                                                                     Tough Times" 6-7pm - 2550 S. Alpine location - see pg. 2 for details
   815.226.2260
   Olde Creek Rd.                                      October 22    B103fm Radio & MACU Halloween Treat Bag Giveaway

   815.484.1160                                        October 26    FREE SEMINAR entitled "Federal Long Term Care & Estate Planning in
                                                                     Light of 2011 Tax Changes" 6-7:30pm 2550 S. Alpine location - see insert pg.
      Walton St.                                                     for details
   815.484.5345                                        November 6    Teen Xtreme Credit Class for teen members age 15-17 - 12:30-4:30pm
  W. Riverside Blvd.                                                 2550 S. Alpine location - see pg. 3 for details

   815.484.5350                                        November 11   Veteran's Day - traditional offices closed.**

       Rockton                                         November 17   FREE SEMINAR entitled "Alphabet Soup? Understanding Medicare"
                                                                     6-7pm - 2550 S. Alpine location - see pg 2 for details
  815.484-1250
                                                       November 25   Thanksgiving Day - all offices closed.
       Oregon
   815.732.7625                                        December 24   Christmas Eve Day - all offices closed.


                                                       December 25   Christmas Day - all offices closed.
     800.426.9757                                                                                                             *Dates & times subject to change.
                                                                                                                     **Wal-Mart in-store branches are open!