FOR THE MEMBERS OF COLUMBUS METRO FEDERAL CREDIT UNION

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SHARE THE GREENRefer a friend. Earn some cash.

At Columbus Metro, we believe that the highest compliment you can pay us is to recommend us to someone else. You can earn up to $50 when you do just that.

You’ll earn $25 when your referral opens a qualifying checking account and $25 if they finance a vehicle with us. They’ll earn the same amount – up to $50 each!

You can refer almost anyone, as long as they qualify for membership. And there’s no limit to the number of people you can refer. The more referrals you make, the more you earn.

It’s easy to cash in – just go to www.columbusmetro.org/About/Forms, print a referral form and give it to anyone who lives, works, worships or attends school in Franklin County. They’ll turn it in when they open their account.

Why wait? Start sharing the green today!

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Be Alert To Elder Financial Abuse

Four Easy Ways To Make Savings A Family Affair

Summer Road Trip Tips

Enjoy Members-Only Savings This Summer

www.columbusmetro.org

READY TO REFINANCE?If you haven’t refinanced your home lately, you could be leaving money on the table. Interest rates remain at all-time lows, and home values have increased significantly over the past few years.

According to Zillow, home values in central Ohio are up 44% in the last four years.* A home worth $109,000 in January 2015 could be worth over $156,000 now. You may have more equity available than you thought!

Think about it - would you benefit from any of the following?

Lower payments – Refinancing at a lower rate can reduce your monthly payment and save you thousands of dollars over the life of your loan. If you have an adjustable-rate mortgage, you could convert to a fixed-rate loan and lock in a low monthly payment.

Debt consolidation – Do you have credit cards or even a home equity line of credit at rates above 4%? You could reduce your total monthly debt payments by rolling them into one low-rate mortgage loan.

Extra cash – Put your home to work! The equity you’ve built up can be a great source of cash for a variety of purposes. You may want to help a child through college, start a business or fund a major home improvement project.

Early payoff – You may be able to go from a 30-year term down to a 15- or 20-year term with little or no effect on your monthly payment. You may even be able to pay off your home before you retire.

Find out what refinancing can do for you – call us today. Our experienced mortgage specialists, Lisa Butcher and Jenniffer McNamee, have a combined 49 years of experience in the mortgage industry. You can count on them to provide knowledgeable advice and personal service from application to closing.

Don’t wait – call 614.239.0210 ext. 3408 or email us at mortgage@columbusmetro.org.

*Source: Zillow.com, Home Prices & Values for Central Ohio, 05/28/19

Super Money Market$1,000 to $2,499 ......... 0.15% APY$2,500 to $4,999 ..........0.50% APY$5,000 to $9,999 ..........0.75% APY$10,000 or more ..........1.75% APY

6 Month Share or IRA Certificate$1,000 minimum ......... 1.30% APY

12 Month Share or IRA Certificate$500 minimum ............. 1.60% APY

15 Month Share or IRA Certificate$500 minimum ............. 1.60% APYAllows deposits of $250 or more

36 Month Share or IRA Certificate$500 minimum ............. 2.30% APY

60 Month Share or IRA Certificate$500 minimum ............. 2.55% APY

Education Growth Fund Certificate$250 minimum ............. 3.50% APY

Vehicle Loan (2018 to 2019)As low as ...................... 3.99%*Up to 72 months

Vehicle Loan (2014 to 2017)As low as ...................... 4.49%*Up to 66 months

Vehicle Loan (2013 & older)As low as ...................... 5.49%*Up to 60 months

Credit CardsVisa Platinum .... 9.90-13.90% APR*

Home Equity Loan—Fixed RateCall for ratesUp to 180 months

Home Equity Line of CreditRedi-Line ......................5.00% APR

First MortgagesContact us at ext. 3408 ormortgage@columbusmetro.org

Rates current as of 06/07/19 and subject to change without notice. See a Member Services Representative for full details. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Loans made subject to standard loan approval guidelines. *The rate you pay may vary based on your credit history and/or loan-to-value ratio.

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Federally insured by NCUA

BE ALERT TO ELDER FINANCIAL ABUSEBy one estimate, seniors lose $30 billion a year to elder financial abuse. While regulators are doing more to protect seniors, elders and their families would be wise to educate themselves.

What is elder financial abuse?According to Wikipedia, elder financial abuse is “a type of elder abuse in which misappropriation of financial resources or abusive use of financial control, in the context of a relationship where there is an expectation of trust, causes harm to an older person.” It can take many forms, including but not limited to: theft of money or property; investment fraud; telemarketing, lottery and charity scams; and getting an older person to sign a deed, will or power of attorney through deception or coercion

Who is at risk?Anyone can be a victim, but those who are isolated and/or suffer from cognitive impairment are at greatest risk.

What’s at stake?Elders who lose their life savings usually have little or no opportunity to recover what they have lost. Many victims lose the ability to live independently and suffer a decline in health, not to mention broken trust and fractured families.

What can be done to prevent elder financial abuse? 1) Talk about it. Find out whether your parent or loved one is keeping up with bill

paying and whether he or she is in contact with strangers or new friends who may prove to be a risk.

2) Get involved. If your loved one will let you, help them pay their bills.

3) Secure legal documents. Make sure that your parents have the paperwork in place to enable you or other family members to help if they need it. This includes a will, a healthcare proxy, a HIPAA release form and durable power of attorney.

4) Streamline their finances. It’s easy to accumulate a number of financial accounts and insurance policies over the course of a lifetime. If you can consolidate them into fewer accounts, it will be easier to manage and monitor them for suspicious activity.

For more information, check out the Money Smart For Older Adults course developed by the FDIC and CFPB. You can find it on the FDIC’s website at www.fdic.gov.

ENJOY MEMBERS-ONLY SAVINGS THIS SUMMERSummer fun is more affordable when you use our members-only discounts for a variety of travel and entertainment options.

Tickets for the Columbus Zoo and Zoombezi Bay are available at our Gahanna, Reynoldsburg and Whitehall offices;* all other offers are available online.

New For 2019 – TicketsatWork®

Columbus Metro members now have access to thousands of exclusive travel and entertainment discounts through TicketsatWork. Get discount tickets for Ohio favorites like Cedar Point and Kings Island, plus many others nationwide, including Disney, Six Flags and Universal Studios. To get started, go to www.ticketsatwork.com and use company code KICOLMFCU.

The Beach AdultAges 3-61 & 48” or taller

ChildUnder 48”

$20.99

$19.99

$28.99

$23.99

$8.99

$4.00

To redeem, go to www.thebeachwaterpark.com and enter coupon code CMFCU at checkout

Columbus Zoo Adult

Junior /Senior

$13.00

$8.00

Franklin County residents $16.99All others $21.99

Franklin County residents $11.99All others $16.99

$3.99$8.99

$3.99$8.99

Zoombezi Bay Adult

Junior /Senior

$28.00

$24.00

$34.99

$26.99

$6.99

$2.99

Magic Mountain Fun Centers

Coupon $34.99 N/A 50% Off Mix & MatchAny 6 Attractions

Park Ticket Type Member Price Gate Admission Discount

Print or download coupon at www.columbusmetro.org/WhatsNew

*Ticket sales are non-refundable and tickets cannot be replaced if lost or stolen. Refer the individual park’s website for hours of operation and other information, including special offers.

BY PHONE614.239.0210800.986.3876

BY FAX614.239.0988

BY EMAILcmfcu@columbusmetro.org

BY MAILP.O. Box 13240Columbus, OH 43213-0240

VISIT US4000 E. Broad St.Columbus, OH 43213

6623 E. Main St.Reynoldsburg, OH 43068

5600 N. Hamilton Rd. Gahanna, OH 43230

DSCC Building 20Room B110S

DFAS Building 21Room A132

24-HOUR SERVICESMetroWebwww.columbusmetro.org

Bill Pay Support844.357.5638

Visa® Balance & Payment Inquiries800.442.4757www.gotomycard.com

Lost or Stolen Visa800.442.4757

Lost or Stolen Debit MasterCard®

800.528.2273

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FOUR EASY WAYS TO MAKE SAVINGS A FAMILY AFFAIREveryone in your household can play a role in the financial success of your home. Here are four easy ways to make saving a priority for everyone under your roof.

1. Have a conversation Get the whole family together, make some popcorn or hot chocolate and make talking

about money fun. Keep it positive by talking about ways the family can work together to lower expenses, increase income and save money.

2. Involve everyone Take time to explain how things that everyone in your household uses comes with a cost,

like the utilities, internet and cable. Teach the whole family how to comparison shop, choose generics and/or use coupons, sale ads, etc. Make it an activity for everyone to review your local grocery store circular/app and identify products that you can save on that week.

3. Set a goal Decide as a family what your financial goals should be. These could be household goals and

individual goals. Is it saving for college? Is it saving for a family vacation? A car? Having a financial cushion for unexpected emergencies? Whatever you decide, make a commitment to save. You can jumpstart that commitment by going to www.americasaves.org and taking the America Saves Pledge. America Saves will keep you on track by sending goal-based emails and texts.

4. Make a plan Setting a goal is a great start, but how will you reach it without a plan? Savers with a plan

are twice as likely to accomplish their savings goals. Get some tips and tricks about making a plan with the Save with a Plan Toolkit, available at www.americasaves.org.

Now that you have a few ideas to start saving as a family, remember to celebrate your successes and know saving is an activity and not an amount.

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SUMMER ROAD TRIP TIPSSome of the best summer memories are made in the family car. Whether your plans include a trip to the beach, a family reunion or taking in movies at the drive-in, be sure your car is up to the challenge before you set off.

Six tips for better road trips 1. Check the fluids. It’s always a good idea to check your oil, coolant and wiper fluid levels before you hit the road.

2. Check your windshield wiper blades. You don’t want to get caught in a rainstorm on unfamiliar roads with sub-par wipers.

3. Double-check your spare. You never know when you’ll get a flat tire. Make sure your spare is fully inflated and that you know where all of the tire-changing tools are.

4. Adjust your tire pressure. As the air temperature rises, your tire pressure also goes up. Check your pressure to be sure that your tires aren’t over- or underinflated.

5. Top off the tank. Don’t let your gas tank get too low, especially if you’re driving in more remote areas. You could encounter a stretch of highway where there aren’t any gas stations for 60-70 miles.

6. Pack less. Do your car a favor and travel light. Only pack what you know you’ll use and set aside a little extra money to spend on things you might need.

If you’re not sure your vehicle will make It through the summer months, we can help. Columbus Metro can finance your new (or new-to-you) vehicle with low rates and affordable monthly payments. Call or stop in to speak to one of our lending professionals or visit www.columbusmetro.org.

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P.O. Box 13240Columbus, OH 43213-0240

Presorted STDU.S. Postage

PAIDWC

LABOR DAY Monday, September 2

COLUMBUS DAY Monday, October 14

CREDITViews

Your privacy is important to Columbus Metro. If you need to send us an email with sensitive information – account numbers, Social Security numbers, credit or debit card numbers, and the like – we ask that you use our new Secure Message Center.

Columbus Metro has partnered with Zix, a leading provider of email security. To use the new Secure Message Center, go to www.columbusmetro.org, click Contact Us and scroll down to the bottom of the page. If you are new to Zix, click the “Register” button under “New to secure email?” and follow the instructions. Once you register, click “Sign In” to enter your email address and password.

Once you’re logged on, click the “Compose” tab to start a new message. When we respond, you’ll receive an email with a link back to the Secure Message Center where you will enter your password and retrieve your message.

If you have questions, access the online help within the Secure Message Center at www.columbusmetro.org.

NEW SECURE MESSAGE CENTER