FALL 2016

Continued on page 3

One of our main strategic focuses during the past few years has been improved member-facing technology. We are excited to bring you a new website. Some of the new features include a streamlined look and feel; mobile compatible design; improved menu bar functionality and ease of finding information with new search functionality. The new site is a vast improvement and will positively impact how you interact with the credit union to conduct your financial transactions. In addition to the new True North Website, the True Crew has been busy working behind the scenes to launch additional technology enhancements for the membership. We recently replaced our phone system and at the end of September we will have a new contact center platform which will greatly improve

the caller experience, and that of the staff working to serve the membership. Also, on December 5th, we will roll out a new core operating system, as the system the credit union has been utilizing over the past 20+ years is aging and has not kept up with current day features and functionality. This new system is designed to provide us all the tools we

need to serve you in one intuitive platform. I expect it to increase staff efficiency, speed up transaction times and make for a far improved staff training experience. All of this means an improved service experience for our membership! HOME BANKING – PLATFORM CHANGING: As a result of change in core platforms, we will switch to a new Home and Mobile Banking provider. These platforms were upgraded in 2015.

While the new service brought up last year offered improved appearance and features, it did not deliver on reliability. Too many times access has been inconsistent or features, such as Bill Pay and Account Alerts, have not worked reliably. We recognize this is a lot of change for the membership; however, we want to ensure you can count on the Home and Mobile Banking platforms to deliver a high level of consistent and hassle free access our member's deserve. We will provide you with detailed information through various FAQ’s and tutorials on how to use the new platform. Access to Express PC Home and Mobile Banking will remain unchanged until we launch the new core operating system and home banking platform in early December. TELEPHONE TELLER: Additionally, our Express Telephone Teller service will receive a much needed update. The same functionality will exist and users will be

BE SURE TO CHECK OUT NATIONAL CREDIT UNION DAY DETAILS ON PAGE 4!

BOARD OF DIRECTORSKim Garnero, CHAIRCreighton Laurent, VICE CHAIRDavid Teal, TREASURERMark Troupin, SECRETARY

Gretchen KeiserChristine MoleskiJim Andersen

Lauren MacVay, PRESIDENT/CEO

BRANCHES:Anchorage Branch907-771-4777, Fax 907-561-1538 Foodland IGA Juneau Branch907-523-4700, Fax 907-586-1173Mendenhall Juneau Branch907-523-4700, Fax 907-523-4716

Administrative Office - Juneau907-523-4778, Fax 907-586-8078

BRANCH MANAGERSTinaMarie Kile, AVP OPERATIONSSara Boyer, ANCHORAGE BRANCH MGRWilliam Boothe, JUNEAU AREA BRANCH MGRSheri Vidic, MORTGAGE LENDING MGRMitch Jackson, BUSINESS LENDING MGR

STATISTICS AS OF AUGUST 31, 2016:Assets: $137,838,088Loans: $109,946,149Shares: $125,266,752

EXPRESS TELLER:Nationwide: 1-800-4-TELLER Anchorage: 907-771-4744Fairbanks: 907-328-4744 Juneau: 907-523-474424/7 Loans: 1-866-564-225924 Hr Bill Pay Support: 1-866-628-1691General Email: admin@truenorthfcu.orgCredit Card Customer Service: 800-654-7728www.TrueNorthFCU.org

True North FCU NMLS # 440100 | Federally Insured by NCUA

International Credit Union Day Celebrates The Authentic Difference On October 20, 2016, credit unions around the world will celebrate International Credit Union Day (ICU Day). Credit unions are not-for-profit financial cooperatives, offering the same services as other financial institutions, but with a people-first philosophy. Since 1948, on the third Thursday of every October, credit unions have celebrated the principles that make credit unions the best financial partners of people all over the world. Credit unions all over the world have operated according to the same core principles since the 1850s, when a group of weary German workers, tired of being exploited by loan sharks, formed the world’s first credit union by banding together to

provide affordable credit to each other. These principles are derived from the 7 cooperative principles, shared by all cooperatives. They are: 1. Democratic Control2. Open and Voluntary Membership3. Non-Discrimination4. Service to Members5. Distribution to Members6. Building Financial Stability7. Cooperation Among Cooperatives8. Social Responsibility9. Ongoing Education This is why we celebrate ICU Day at True North. We think ideas like people before profit, social responsibility, and financial education improve lives.

*APR is Annual Percentage Rate. 12 month promotional rate applies to retail purchases, cash advances and balance transfers made on all accounts between September 1, 2016 and October 31, 2016. Interest charges will revert to the standard rate at the end of the 12 month promotional period; On Approved Credit (O.A.C.); Rates, terms and conditions are subject to change without notice; APR is determined by loan-to-value (LTV); disclosed rate is for properties with an LTV </= 80%; This is a variable rate product and rates may range from 3.50% to 18.00% APR; Rate on the plan will not exceed 18% APR; Property insurance is required. True North will waive the $199.00 doc prep fee for new accounts. See Loan Officer for more details.

Home Equity Line Credit CardAs low as1.99% APR* INTRO RATEfor 12 months! After

promo, rate returns to 3.50% APR or 5.00% APR.

*Sept. 1to

Oct. 31

TAKE CONTROL OF YOUR DEBT!

Thursday, Oct. 20JOIN US FOR LUNCH!

2017 CALENDER PHOTO CONTEST WINNER

ANNOUNCED!

11:00am-2:00pmANCHORAGE: 341 W. Tudor Rd, Ste 100

JUNEAU: 2777 Postal Wy and615 W. Willoughby Ave

Monday, October 10Indigenous Peoples Day / Observed

Friday, November 11Veterans Day/ Closed

Thursday, November 24Thanksgiving Day / Closed

Saturday, December 24Early Closure at 2pm

Monday, December 26Christmas Day / Observed

Telephone Teller (1-800-4-TELLER) and Express PC are both available 24/7 if you need assistance during our closures.

For more info go to www.TrueNorthFCU.org.

Holiday Closures

get $5! AND we’LL donate $5!get $5! AND

we’LL donate $5!

* Campaign restricted to new enrollments only during August 1 to October 31, 2016. Your $5 credit will be processed within 60 days of enrollment and funds will be deposited to your S1 Share Account. True North FCU will be providing a lump sum donation to Big Brothers Big Sisters of Alaska in November 2016 equal to $5 for each enrollment. Questions about the E-Statement Campaign should be directed to the Member Contact Center at (907) 523-4700.

True North will donate $5 and put $5 in your account!*

Enroll in E-Statements

Enroll in E-Statements

Visit us online for details!

In This Issue:• EnrollinE-Statements• ImprovedandNew Technology for True North Members• 2017CalendarPhoto Contest — Top 10 Winners• AskAboutOurLow Rate 3/3 ARM Loan• InternationalCredit Union Day Celebrates The Authentic Difference• MemberAppreciation• HomeEquitySpecial• HolidayClosures

Easy To Apply Online @ www.TrueNorthFCU.org!

ASK ABOUT OUR LOW RATE 3/3 ARM LOAN

Brenda Sheri

able to access all accounts on which they are associated with one call, as opposed to having to make separate calls to check on different accounts. While many users prefer mobile banking access to an older technology like telephone banking, this new service is intuitive and will be integrated with our phone system and contact center. Finally, members will be able to register simply by using the Express Telephone Teller service, making it very convenient for first time users. NEW ONLINE ACCOUNT OPENING TOOLS: We will also be enhancing the options you have to open new accounts online. We have long offered online loan applications and we are upgrading that platform also. Members will enjoy the new experience and applications will be shorter and easier to complete. There will also be access to more products using the online application Through Home Banking, members will be able to open more new deposit accounts, and open new account relationships as well. Also, those who are not yet members of True North will be able to join online. TECHNOLOGY RESOURCE CENTER, TIMELINE AND FAQs: Updates regarding technology changes will be provided through the website and in-branch communications. We have created a Technology Resource Center on our website that will be your one stop location for all the news and information about upcoming technology changes. Check back periodically for updates - and you’ll want to pay close attention during the month of November. As we get closer to December 5th, we'll have handy guides and FAQ's for distribution in the branches as well. As always, you can also reach out to a branch representative at your local branch or call the Member Contact Center at (907) 523-4700 should you have any questions about the upcoming changes. Thank you for your membership!

Harbor Seal Blue HeronBaby Bears

Brown Bear Mountain Goats — Momma and Baby

Katmai Bears — Momma and Baby Sparrow on FireweedMountain Goat

Eagle Landscape Baby Moose

TOP 10

WINNERS!

2017 CALENDAR PHOTO CONTEST

Grand prize winner will be announced

October 20th @ 11:30am

Many Thanks to Our Celebrity Judge

John Hyde!

Looking for more buying power?

Message from the CEO Continued from page 1