OCTO

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2019 Auto Loan Savings

New Website

Fall Home Improvements

AUTO LOAN SAVINGS When it comes to buying a new or used car or truck, or refinanc-ing your current vehicle, look no further than Freedom 1st.

As a not-for-profit financial cooperative, we practice a holistic lending approach by considering each member’s financial story as a whole. As a result, we’re able to save more

UPDATING CONTACT INFO As holiday shopping season approaches, it’s important that we have up-to-date contact information for our members should there be any suspected fraud or account-related emergency requiring immediate attention. While your financial security is of utmost importance all year round, it’s especially important during the holiday shopping season when we traditionally see an up-tick in financial fraud and scams. By updating your contact information, we can keep you informed of any issues that may affect your account, including:

MEMBERS SAVE $726 ON AVERAGE!

members, more money on interest and fees. In fact, members save $726 on average when they choose us over the average Ohio bank!*

But, don’t just take our word for it… Head over to facebook.com/Freedom1stCU where members are sharing their stories of how much we have helped them save – like, Daniel and Lori, who saved over $739 by financing their vehicle at Freedom 1st, Tara who saved $2,540 by choosing us, and Charles, who now has an extra $3,367.26 in his wallet all thanks to a Freedom 1st auto loan!

Wondering just how much a Freedom 1st auto loan could save you? For a limited time, we’re lowering our new and used auto loan rate. With a reduced rate as low as 3.09% APR*, you could pay as little as $360.17/month*. And, remember, even if you already have an auto loan financed somewhere else, that doesn't mean you’ve secured the best rate. Give us a call at 937-223-2828 or stop in to see how much a Freedom 1st auto loan could be saving YOU!

*APR = Annual Percentage Rate. Your individual rate is based on creditworthiness and other qualifying factors and may differ from rates quoted above. All loans subject to approval. $360.17 sample payment based on $20,000 used auto loan at 60-months and lowest available 3.09% APR. Rates subject to change at any time without notice. Membership eligibility required. Average $726 savings based on data from the Ohio Q1 2019 CUNA Membership Benefits Report. Calculation compares $20,000 used auto loan at 3.19% rate (current as of 7/1/2019) over 48-months to average bank rate of 4.88%; your savings may vary.

Upcoming Holiday Closures

• Data breaches at local / national retailers that may impact your account security

• Potential fraudulent activity through irregular spending patterns • System upgrades or anticipated downtime in online

banking • Phishing attempts or scams affecting the credit union • Any emergency or natural disaster that may prevent you from conducting transactions

Please take a minute to verify that the contact information we have for you on file is correct the next time you stop by your local branch or conduct a phone transaction with one of our Member Service Representatives. This includes your mailing address to ensure you receive all required regulatory notices and statements, as well as your email address and phone number for time-sensitive updates. Thank you for helping us keep your finances secure!

Please note that all Freedom 1st branches will be closed to observe the following federal holidays: Mon., October 14 — Columbus Day • Mon., November 11 – Veterans Day • Thurs., November 28 – Thanksgiving Tues., December 24 – Christmas Eve • Wed., December 25 – Christmas Day • Wed., January 1 – New Year’s Day

We look forward to serving you in our branches on the business day following the holiday closure. And, remember, our new-and-improved online and mobile services never close! Not enrolled yet? Ask us how to get started!

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FALL HOME IMPROVEMENTS THAT CAN

REALLY PAY OFF Call for Candidates: Freedom 1st Credit Union Board of Directors Freedom 1st Credit Union is currently accepting applications for elections to the Board of Directors. Eligible members are 18+ and have an account in good standing at the credit union.

If you are interested in working with other volunteer directors in helping shape the direction of Freedom 1st Credit Union, please send a resume and letter of interest by November 30 to:

Freedom 1st Credit Union ATTN: Nominating Committee 1645 Webster Street Dayton, OH 45404

NEW WEBSITE! The new Freedom 1st website is LIVE! Providing you with secure and convenient solutions to help you reach your financial goals is our top priority. Our new website’s improved user experience allows for faster and easier access to online banking, account and loan products, featured rates, financial resources, and more. It’s truly a one-stop-shop for all that your Freedom 1st membership has to offer. Check it out at freedom1stcu.com!

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Not only is the fall a perfect time to tackle some of the home improvements projects you didn’t get to this summer, adding some energy efficient tweaks around the house can make a big impact on your wallet come winter time!

Repair Your Roof Sure, summer is roofing season, but with fall, business slows down, leaving more room in the roofing contractors’ schedules — and more bargaining power for you.

Weatherize Take a weekend to weatherize your house. Check caulking around window and door frames; replace door sweeps and weather stripping and; consider replacing older single-pane windows, with newer, energy-efficient ones. These projects could help lower your heating bills dramatically this winter.

Clean Your Gutters Clogged gutters can cause serious water damage, so either climb up there yourself or hire a service to come out and remove any leaves or other debris. Check the downspouts to ensure water flows freely and look for any leaks or cracks in the gutters. Some issues can be repaired, rather than replaced, saving you a lot of money.

Do Some Exterior Touch Ups While you’re weatherizing, give your home a quick inspection. Are there areas where the paint is chipping? Siding that is getting a little iffy? Touching up the paint or replacing and repainting damaged siding can extend the life of your exterior paint — and allow you to find and fix any issues (such as rot) before they affect your entire home.

Update Your Tech When you’ve got the outside in good shape, look at how you can upgrade your interior. Smart thermostats can help you manage your heating costs — and some utilities offer incentives for adding these tech tools. Smart lighting can also be a good investment, allowing you to control lighting usage.

Explore New Appliances Consider upgrading your HVAC system, refrigerator, and/or water heater. If any of these appliances are more than 10 years old, you’re likely to see big efficiency improvements when you upgrade. If your appliances aren’t due for a replacement, you might get them tuned up, just to make sure everything is working at its peak.

Need financing for any of these bigger projects? Contact us at 937-223-2828 or apply online at freedom1stcu.com — we’ve got many great options to help you fund your improvements.

WWW.FREEDOM1STCU.COM Main Office Eaton Office Lakengren Office 1645 Webster Street 205 North Barron Street 4269 State Route 732 Dayton, OH 45404 Eaton, OH 45320 Eaton, OH 45320 (937) 223-2828 (937) 456 1197 (937) 456-6541