For your security and protection itis imperative that you review yourstatement whether or not it isreceived online or via mail. You have60 days to correct any errors. Inaddition, it is important to keepyour information up to date, so ifyou change your address or anyother pertinent information pleaselet us know.

Calcite Credit Union invites you join us for our

Annual Meeting.

Where: Rogers City High School GymWhen: March 12, 2016

Time: Doors open at 6 p.m. Meeting at 7 p.m.

Join us for great information & gifts!We hope to see you there!

2015 SCHOOL GRANT WINNERSCongratulations to:

• Cheboygan’s East Elementary – Jim Anglewicz

• Rogers City’s St. John’s – Tonya Langlois

• Posen’s 6th Grade Mackinaw Island Trip – Courtney Gagnon

Each teacher submitted an application topossibly win up to $500 for their class projects.Voting took place in November and Decembervia our website by the public.

Thanks to all that participated andCONGRATULATIONS!!!

• One day only• 1.4% a.p.r.• 14 month payback• Borrow up to $1400.00

SKIP-A-PAYTake a vacation from your loan payment. This great new program isbeing offered to all qualifying auto loans, miscellaneous securedloans & recreational vehicle loans. You may see one of our team orlog in to online banking to take advantage of this.

*some exclusions may apply, $30.00 fee applies, subject to skip-a pay terms and conditions

February 12, 2016

YOU DON”TWANT TO

MISS THIS!!

CURRENT RATESAs of December 31, 2015

(Rates are subject to change)

Checking..........................................*APY 0.00%Regular Savings ..............................*APY 0.15%Special Savings

$0-$14,999 ...........................*APY 0.15%$15,000 + ............................*APY 0.30%

IRA (Liquid)......................................*APY 1.25%

Mortgage RatesCall 1-877-CALCITE for daily rate information

Home Equity .....................................Prime + 1%

New Vehicles as low as ........................... 2.50%Used Vehicles as low as.......................... 2.50%RV Rates (New) as low as....................... 3.99%RV Rates (Used) as low as ..................... 4.99%

VISAPlatinum ................................................. 9.50%Classic....................................................11.00%

All loan rates quoted are simple interest stated as an Annual Percentage Rate

* Annual Percentage Yield

WITHHOLDING NOTICEPayments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You maychange your withholding election at any time prior to your receipt of a payment. To change your withholdingelection, complete the appropriate form provided by your credit union. Withholding from IRA payments, when com-bined with other withholdings, MAY relieve you from payment of estimated income taxes. However, your withholdingelection does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules ifyour withholding and estimated tax payments are insufficient.

For any further questions, please feel free to contact our Rogers City office at 989-734-4130.

Verify Your Credit Union Membership to Keep Saving with Sprint

Calcite Credit Union is pleased to offer monthly wireless discounts to our members with theSprint Credit Union Member Discount. If you’re already enjoying the savings from this Invest in Americaprogram, we want to make sure you can continue to do so. Periodically, Sprint needs participants toverify eligibility so they can receive the discount and waived activation fees. If you’re planning on signingup for the Sprint Credit Union Member Discount, you’ll need to verify eligibility as well.

Learn more about the Sprint Credit Union Member Discount at LoveMyCreditUnion.org/Sprint.

Calcite Credit Union has a Branch Near You:

Rogers City Cheboygan Posen478 N. Third St. 1005 S. Main St. 10514 N. Michigan Ave.Rogers City, MI 49779 Cheboygan, MI 49721 Posen, MI 49776989-734-4130 231-597-9660 989-766-81111-877-CALCITE Fax 231-597-9665 Fax: 989-766-2652Fax: 989-734-3422

INVEST IN AMERICA

Calcite Credit Union Members Save Thousands with Invest in America

Discover how much you could save.

Contact a Calcite Credit Union representative or visit LoveMyCreditUnion.org

www.calcitecu.com

Prepaid Debit Card

Help your teens use a debit card safely

while learning to stay within a budget.

• Online tools help parents teach teens financial responsibility

• Easy to reload at your credit union, online, via automatic funding or at any Visa ReadyLink location

• Safer than cash with protection against fraud through Visa Zero Liability Policy

• Use everywhere Visa cards are accepted

To apply, speak with a credit union representative today.

• A cost-effective way to introduce teens to budget management

• Gives teens ages 13 and older a sense of independence and responsibility

• Parents enjoy peace of mind with card and account security

• Personalized with teen’s name

Cool enough for teens*. Safe enough for parents.

*Provided by an adult member to a teen who is at least 13 years old. The NewGen is not offered to anyone younger than 13.

MECHANICAL REPAIR COvERAGEGetting an auto loan at the right rateis important, protecting that auto isjust as important. Having the rightprotection for those unexpectedbreakdowns could mean havingMEMBER’S CHOICE® Mechanical

Repair Coverage (MRC). Mechanical Repair Coverage helpsensure that major repairs to your car are covered when theunexpected happens.

Enroll today! Call 1-877-CALCITE or visit www.calcitecu.com.