Norman

Becker

Cass

Aitkin

Crow Wing

Morrison

Todd

Douglas

Otter Tail

Wadena

The spirit of giving is alive

and well.

Thanks to the generosity of our members and Mid-Minnesota Federal Credit Union staff, we were able to raise and collect over $7,000 for Gillette Children’s Specialty Healthcare as part of our Miracle Mondays fundraiser.

Miracle Mondays kicked off in early September and allowed MMFCU staff to wear jeans to work on Mondays for a suggested $2 contribution toward the fund. Members of the Credit Union were also encouraged to donate at any MMFCU branch through November 24th. All money raised was matched by MMFCU, then matched again by the CO-OP’s Miracle Match program. What’s more, every ‘like’ on MMFCU’s Facebook page regarding the Miracle Mondays campaign also earned a dollar.

In the end, the total contribution to Gillette Children’s Specialty Healthcare equaled$7,303.48. Thank you for making miracles happen in, and around, our area for children and families.

PRESIDENT’S MESSAGE

Am I the only person who was taken by surprise with the arrival of the holidays? It seemed like I blinked and it was Christmas. It’s amazing how quickly time flies these days.

The past few months since we visited last have been filled with a flurry of activity. We recently announced the launch of our updated online banking option. This new, user-friendly system replaced PC Teller and allows MMFCU the ability to provide many more requested features and functions to our membership, including Mobile Banking from your Smartphone. You now have the flexibility and convenience of viewing account balances, locating ATMs, transferring funds, and more from virtually anywhere and at any time! You also have the ability to customize your online experience to fit your specific needs, including a personalized landing page, budgeting, expense tracking, financial tips and goal setting abilities. Easy, convenient and on-the-go to meet your needs and busy lifestyle.

During the months of September, October, and November, staff and members wholeheartedly embraced our Miracle Mondays campaign and raised over $7,000 for Gillette Children’s Specialty Healthcare. Your generosity knows no season and continues to amaze me year after year. Thank you to everyone who helped make this donation possible.

Also within the past few months has come, possibly, the biggest news of all.

In October, Mid-Minnesota Federal Credit Union announced it would expand its field of membership to include the counties of Becker, Norman, and parts of Aitkin County, including the communities of Aitkin, McGregor and Palisade. What this means is the potential to add a branch in the Detroit Lakes area to serve our new Becker County members, as well as a potential cooperative effort with an existing credit union in Norman County. The close proximity of our Crosby branch location will serve our new Aitkin County members well.

We look forward to helping improve the financial well-being of the individuals, and potential new members, in these respective areas. We also encourage you, our existing members, to share the difference the credit union has made in your lives.

What began as a movement by a handful of individuals has, over a span of six de-cades, become an organization that many have found tremendous value in. This recent growth proves that ‘people helping people’ is truly the desire and passion of so many individuals.

As we reflect on the months, and year, that have passed; I want to send my most heartfelt wishes for happiness, health and financial well-being to you and yours. Thank you for your friendship and loyalty.

Here’s to a promising 2015!

“

– Chuck Albrecht, President / CEO

In October, Mid-Minnesota Federal Credit Union announced it would expand its field of membership.”

We resolve to keep evolving!

Buying an Auto?The AskAuto™ app can help.

Your Credit Union is pleased to introduce ClickSWITCHThinking about switching all your checking account to MMFCU, but don’t want the hassle of switching all your automatic payments and debits? Now, MMFCU has a fast, easy and secure way to transfer accounts from other financial institutions – all with the click of a mouse!

ClickSWITCHTM is an online portal that assists in efficiently switching your recurring payments from old accounts to a new one with MMFCU. It’s automated, faster and easier than ever before.

With ClickSWITCH, MMFCU members can change financial institutions without the hassles of filling out multiple forms or wasting time contacting payees for automated payments. Simply log into the ClickSWITCH portal, from there you can switch your existing direct deposits and automatic payments. Account information is transferred instantly, paving the way for a smooth and speedy transition to your new account.

Contact a Member Service Specialist and get started transferring your accounts today!

Whether you’re buying now or in the future, AskAuto is a powerful new shopping tool that can help make your vehicle shopping experience easier! With the AskAuto app, you can find the perfect vehicle and perfect loan right from your smartphone or tablet.

HERE’S HOW:• Scan a vehicle’s VIN to get an average

retail cost and EPA mileage estimate.• Compare, rank and save notes on vehicles

you want to buy.• Learn which loans might be best for you. • Apply for a loan anytime, anywhere using

your smartphone or mobile device. Just scan your driver’s license* and the AskAuto app prefills the loan application with your per-sonal information and vehicle information for the vehicle you’re interested in.

Want to take AskAuto for a test drive? Download your free app today: askauto.loanliner.com/market. Be sure to select Mid-Minnesota Federal Credit Union on the app’s startup screen.

In the Checkout Line: Debit vs. CreditIt used to be when you used your Mid-Minnesota VISA Debit Card for a purchase it was processed as a VISA transaction unless you entered a Personal Identification Number (PIN). If you picked the option to enter your PIN, it was processed as a CO-OP ATM transaction. Now CO-OP ATM Network has the capability of processing these transactions without a PIN.

What that means for MMFCU VISA Debit Card holders is it may be more difficult to tell if you are paying for an item via a VISA transaction or ATM transaction since you will no longer be prompted to enter a PIN. However, it is each merchant’s responsibility to provide a clear way for you to choose either the CO-OP ATM option or VISA transaction option for your purchase. You might ask, “What’s the difference?” The money, after all, is coming from the same account either way.

VISA transactions typically include benefits that may not be provided for non-VISA transactions, such as zero liability and/or streamlined dispute resolution in the event you should need to dispute a transaction. However, the protection does not apply when your VISA Debit Card is used for ATM transactions or new PIN-free transactions through the CO-OP network which are not processed by VISA.

*Driver’s license scan not available in all states.

MMFCU’s Annual Meeting – Save the DateMMFCU’s Annual Meeting will be held Wednesday, April 22, 2015. The location is to be determined. More information to come!

TURBO Tax?

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© 2014-2015 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2014. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

MMFCU ONLINE

Welcome to the Mid-Minnesota Education Network! Offering information, seminars and other educational and networking opportunities is another way we are partnering with the community to help you get the most out of your credit union membership. Take a look at some of our upcoming opportunities. All workshops are free and open to the public. However, space is limited. Please call (218)829-0371 to get registered.

Improving your Financial Well-Being

We’re With You All The Way.

WWW.MMFCU.ORG

> LOCATIONSALEXANDRIA Ph: (320) 762-2686 Fax: (320) 763-3472BAXTER Ph: (218) 829-0371 Fax: (218) 822-2455BRAINERD Ph: (218) 829-0371 Fax: (218) 829-4947

CROSBY Ph: (218) 546-5428 Fax: (218) 546-6447 LITTLE FALLS Ph: (320) 632-6679 Fax: (320) 632-3424PEQUOT LAKES Ph: (218) 568-8450 Fax: (218) 568-8795STAPLES Ph: (218) 894-2463 Fax: (218) 894-2544

Crosby Office: 117 W. Main St.Little Falls Office: 307 1st St. SEPequot Lakes Office: 30483 State Hwy. 371Essentia Health - St. Joseph’s Medical Center: 523 N. 3rd St., BrainerdStaples Office: 1220 N. 4th St.

Equal Housing Lender. Federally Insured by NCUA.

SUPERVISORY COMMITTEEPO Box 65, Brainerd, MN 56401

> ATM SERVICE – NO SURCHARGES!Alexandria Office: 405 50th Ave. W.Baxter Drive-Through – 8500 Fairview Rd. S. of Westgate Mall along Hwy 210Baxter Office: 13283 Isle Dr.Brainerd Office: 200 S. 6th St.Brainerd SAVE: Hwy 371 S.Central Lakes College: 501 W. College Dr., Brainerd

MID-MINNESOTA FEDERAL CREDIT UNION

EDUCATIONAL WORKSHOPS

• The day includes lunch with a variety of menu options to choose from. Select beverages are also included.*

• Your cost will be $65 per person for members ($75 for non-members), which includes transportation, lunch and the show.

• Cash or checks made out to MMFCU may be turned in the morning of departure.

• We will not be stopping for breakfast or dinner. Feel free to bring a thermos of coffee or a snack for the way.

* The gratuity included in the ticket price covers only inclusive food service and does not cover a la carte items ordered, nor beverage service other than coffee, hot tea, milk, and iced tea with the meal.

BUILDING YOUR HOME FROM THE GROUND UP

Thursday, April 16, 5:30 - 7:00 p.m. Brainerd MMFCU office

MMFCU’s Home Loan team will walk you through the construction loan process from start to finish. You will learn how to get started and what to expect along the way; from pre-approval to ground breaking!

MN HIGHWAY SAFETY– Driver Improvement

The Driver Improvement Program (55+) will give participants a better understanding of vehicle and traffic safety, new technology, physical changes and increased driving risks as we age, changes to laws, and the decisions drivers can make to be safer on our roadways.

Initial Course ($24) ........................Monday, May 11, 8:00 a.m. – 5:00 p.m.

Refresher ($20) ...................................Monday, May 18, 8:00 a.m. – NOON

Refresher ($20) ....................................Thursday, May 21, 4:00 p.m. – 8:00 p.m.

All Classes will be held at the Northland Arboretum, Brainerd. Refreshments provided.

Education Network

THE POWER OF NETWORKING

Thursday, January 15, 5:30 - 7:00 p.m. Brainerd MMFCU office

You may have heard the saying, “it’s not what you know, it’s who you know”. . . in our personal and professional life that often holds true. Whether you are a college student looking for an internship, a business person looking for new opportunities or just a person looking for a good trustworthy handyman, networking is a valuable tool. Join us to gain additional networking confidence.

IDENTITY THEFT

Thursday, March 26, 5:30 - 7:00 p.m. Brainerd MMFCU office

An overview of common identity theft practices, tools for preventing identity theft and specific steps for victims of these kind of crimes to take in order to minimize damage.

CHANHASSEN THEATRE TRIP – MARY POPPINS

Wednesday, April 29, 2015

We will enjoy a wonderful lunch and the Chanhassen debut of Mary Poppins. Based on the iconic Disney film, Mary Poppins is a musical featuring breathtaking dance numbers and unforgettable songs. This enchanting musical has captivated audiences for generations, and now, Mary Poppins comes to life on Chanhassen’s Main Stage to dazzle you!

• We will depart from the NE corner of the Baxter Wal-Mart, at 8:00 a.m.; and Little Falls Wal-Mart , at 8:30 a.m. in a motor coach from Andy’s Charter.

• Leaving the Theatre at approximately 3:00 p.m., we will return to Little Falls by 6:00 p.m. and Brainerd by 6:30 p.m.