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© CUAdvantage.com • 877.799.0784

M a i n O f f i c e1837 Bagley Street Saginaw, MI 48601

(989) 759-5780 Fax: (989) 753-7864Toll Free: 1-800-675-2285

www.wanigas.com

S h a t t u c k O f f i c e4026 Shattuck Road Saginaw, MI 48603

(989) 799-9800 Fax: (989) 799-9836

B ay c i t y O f f i c e4129 North Euclid

(1/4 mile south of Wilder Road) Bay City, MI 48706

(989) 799-9801 Fax: (989) 684-8061Toll Free: 1-888-684-4860

h O u r S Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 9 a.m. - 5:30 p.m. Friday............................. 9 a.m. - 5 p.m.

D r i v e - t h r u Thursday................... 8 a.m. - 5:30 p.m. Friday............................. 8 a.m. - 5 p.m. Saturday ....................... 9 a.m. - 12 p.m.

“It’s time for you to shine”

have you heard? A new Wanigas Branch

is coming

Thank You Wanigas Members for Voting Us #1

In Multiple Categories!

Members voted Wanigas Credit Union #1, twice!

Voted #1 Credit UnionVoted #1 Mortgage Lender

Thank you for your support and dedication to Wanigas Credit Union! We are proud to provide all members

with the service they deserve, and we look forward to providing you

with noteworthy member service for many years to come.

Invest in America: the right key for Great Discounts

Independence Day Saturday, July 3Monday, July 5

Labor DaySaturday, September 4 (Labor Day observance)Monday, September 6

holiday closings:

9030 Gratiot Road (in Thomas Township)Saginaw, MI 48609

We are pleased to announce that a new Wanigas Branch will open to better serve credit union members. Stay tuned for the exact grand opening date!

Invest in America continues to grow. Now, credit union members can receive discounts on everyday items as well as GM vehicles, and get paid to shop online!

Sprint – up to 15% off mobile servicesFTD Express - $15 discount on flowers and giftsAnd More!

Plus, when you shop online at over 1,200 participating online retailers, including Target, Toys R Us, Barnes and Noble, Home Depot, Apple and more, you’ll get rewards! Receive special credit union member discounts as well as a check from Shop America every time you earn $10 or more in cash back.

It’s simple to get started!Go to www.lovemycreditunion.org and click on “Save on Everything Else”, then “Shop America”. Follow the instructions, and you’ll be able to shop online – and get paid to do it!

If you have any questions about Invest in America, or the newest program Shop America, please contact the Credit Union or visit www.lovemycreditunion.org.

VoTED #1

Bagley Branch

Drive-thru now

Open!

New Saturday hours

9:00 a.m. - noon are now

available .

Welcome Home!With today’s great low mortgage rates, the possibilities are nearly endless for home buyers. With Wanigas Credit Union, you can select from 2 different options to fit your mortgage budget with our First Time Home Buyer Program*.

option 1 – Wanigas Credit Union will waive the $350 processing fee and you will receive a .25% discount on your interest rate.

option 2 – Wanigas Credit Union will waive the $350 processing fee and pay 50% of the closing costs, which include the Appraisal, Underwriting Fee, Courier Fee, Title Closing Fee, Title Insurance Fee, and Recording Fee.

*A first time home buyer is anyone who has not previously owned a home and is purchasing their first home. Qualify for the First Time Home Buyer Program by having a Wanigas savings and checking account, having a Wanigas debit card, and signing up for automatic payments.

Drive Home A DealYou know our auto loans can save you money. After all, that’s what credit unions are famous for! But did you know we can also help you save time and hassles?

Just call or stop by for convenient pre-approval before you visit the dealerships. With your financing already in place, you can negotiate your best price and drive home with a smile on your face.

Remember, we can also refinance your auto loans from other financial institutions. With rates as low as 3.99% APR* we may be able to lower your monthly payments and help you save on finance charges. Call, stop by or visit our website at www.wanigas.com for more information on pre-approval or refinancing.

*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.

The Power of CardLock™

n Empowers you to help prevent credit and debit card fraudn Automated and easy to use by phone or onlinen Lets you lock or unlock your card in secondsn Notifies you of unauthorized transaction attemptsn Provides an extra measure of confidence and security

It’s FREE to lock and protect your Wanigas credit and debit cards when you’re not using them!

Call 877-CULOCK1 (877-285-6251) or visit www.cucardlock.com.

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I would like to postpone my Wanigas Credit Union loan payment.*

oPlease deduct the $20 processing fee from my: Account Number ___________________________ oSavings oChecking

oI have enclosed a check totaling $20 for each postponed loan.

Please list the two digit loan suffix and payment amount of the loan(s) you wish to postpone.First Mortgages, Second Mortgages, Home Equity Loans, Credit Cards, Revolving Lines of Credit and Loan Disbursements after January 1, 2010 are not eligible for this offer. Loans must be current. Loans may only qualify once per calendar year.

Account Number Loan Suffix Payment Amt. Month To Skip______________________ ____________ _______________ oJuly______________________ ____________ _______________ oJuly______________________ ____________ _______________ oJuly* I authorize Wanigas Credit Union to postpone my July payment on the specified loans. I understand that finance charges will continue to accrue on my loan(s) during the postponed payment period and will extend the original term.

Primary Member Signature Date Co-Signer Signature (Required if loan has a Co-Signer) Date

Daytime Phone Processed by Date

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Sk

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Or

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Player: _____________________________________ Account #: ____________________

Player: _____________________________________ Account #: ____________________

Player: _____________________________________ Account #: ____________________

Course Preference (not guaranteed): Swan Valley Crooked Creek Opponents determined by draw. Deliver your completed form with payment to one of our three offices. If you wish to play with a certain team, please list their names below:

_____________________________________________________________________________________

_____________________________________________________________________________________

2 4 t h A n n u A l W A n i g A s g o l f o u t i n g R e g i s t R A t i o n f o R m

The MCULLAF (Michigan Credit Union League Legislative Action Fund) supports credit unions and ensure that they have a voice in Washington.

The drawing will be held Tuesday, November 9th, and ticket holders need not be present to win.

Purchase your tickets today for only $5.00 from any Wanigas Credit Union Branch location.

This July, August and September, Wanigas Credit Union members who sign up to receive eStatements are eligible for an entry into our drawing to win a new IPad!

eStatements are free! They also help credit union members save time, and they aide the environment too. Instead of waiting for your statement to arrive in your mailbox, your statement will be delivered directly to your inbox! You will help the environment by reducing waste from paper production.

To sign up for eStatements and gain your entry into our drawing to win a new iPad, visit www.wanigas.com and select “Home Banking” or come by the Credit Union and we can help you get started.

eStatements giveaway

The Golf Outing includes:Green Fees (Carts not included) | On-Course Hospitality Holes Breakfast (Rolls, Juice, Coffee) | Lunch on the course | Afternoon Cookout Refreshments | Door Prizes

So, gather your favorite family and friends of Wanigas Credit Union (members only) and invite them to the annual golf outing! Teams of 3 will play a scramble tournament. Simply complete the registration form and return it to Wanigas Credit Union along with your team fees. We look forward to seeing you on the course!

Saturday, August 21Swan Valley & Crooked Creek Golf Courses

9:00 a.m. shotgun start$45 per person

for our 24th annual Golf OutingSave the Date

Shred-it DayJuly 15 | 11:30 a.m. – 1:30 p.m. | Shattuck Branch

Why risk losing your identity? By shredding your important documents, you can ensure that your identity doesn’t fall into the wrong hands. Join us for Shred-It Day and bring in all of your old statements, unneeded receipts, and other papers that contain personal information you no longer need. We will shred them for you for free!

You must be a credit union member 18 years of age or older to enter. Contributions to MCULLAF are not considered charitable contributions or business expenses for income taxpurposes. Contributions are voluntary and there shall be no reprisal for those who decide not to contribute. Need not be present to win, prize must be claimed within 60 days.No refunds on ticket purchases.

(IF WINNER CHOOSES TRUCK, WINNER WILL BE RESPONSIBLE FOR PAYING ALL TAXES, TRANSFER AND LICENSE FEES.)

The State of Michigan Bureau of State Lottery Charitable Gaming Division has issued License Number R06528 to MCULLAF to conduct this raffle at 9:00 a.m. on Monday, November 8, 2010.

$20,000 TOWARD THE PRICE OF A

2010 CHEVYSILVERADO

OR$20,000

CASH

For a $5.00 contribution to support Michigan Credit Unions’ politicalaction efforts you could be the winner of:

pAg e pAg e

Wa

nig

as

Cr

ed

it U

nio

n

WW

W.W

an

iga

s.C

om

I would like to postpone my Wanigas Credit Union loan payment.*

oPlease deduct the $20 processing fee from my: Account Number ___________________________ oSavings oChecking

oI have enclosed a check totaling $20 for each postponed loan.

Please list the two digit loan suffix and payment amount of the loan(s) you wish to postpone.First Mortgages, Second Mortgages, Home Equity Loans, Credit Cards, Revolving Lines of Credit and Loan Disbursements after January 1, 2010 are not eligible for this offer. Loans must be current. Loans may only qualify once per calendar year.

Account Number Loan Suffix Payment Amt. Month To Skip______________________ ____________ _______________ oJuly______________________ ____________ _______________ oJuly______________________ ____________ _______________ oJuly* I authorize Wanigas Credit Union to postpone my July payment on the specified loans. I understand that finance charges will continue to accrue on my loan(s) during the postponed payment period and will extend the original term.

Primary Member Signature Date Co-Signer Signature (Required if loan has a Co-Signer) Date

Daytime Phone Processed by Date

Su

MM

er

Sk

ip-a

-pa

y f

Or

M

Player: _____________________________________ Account #: ____________________

Player: _____________________________________ Account #: ____________________

Player: _____________________________________ Account #: ____________________

Course Preference (not guaranteed): Swan Valley Crooked Creek Opponents determined by draw. Deliver your completed form with payment to one of our three offices. If you wish to play with a certain team, please list their names below:

_____________________________________________________________________________________

_____________________________________________________________________________________

2 4 t h A n n u A l W A n i g A s g o l f o u t i n g R e g i s t R A t i o n f o R m

The MCULLAF (Michigan Credit Union League Legislative Action Fund) supports credit unions and ensure that they have a voice in Washington.

The drawing will be held Tuesday, November 9th, and ticket holders need not be present to win.

Purchase your tickets today for only $5.00 from any Wanigas Credit Union Branch location.

This July, August and September, Wanigas Credit Union members who sign up to receive eStatements are eligible for an entry into our drawing to win a new IPad!

eStatements are free! They also help credit union members save time, and they aide the environment too. Instead of waiting for your statement to arrive in your mailbox, your statement will be delivered directly to your inbox! You will help the environment by reducing waste from paper production.

To sign up for eStatements and gain your entry into our drawing to win a new iPad, visit www.wanigas.com and select “Home Banking” or come by the Credit Union and we can help you get started.

eStatements giveaway

The Golf Outing includes:Green Fees (Carts not included) | On-Course Hospitality Holes Breakfast (Rolls, Juice, Coffee) | Lunch on the course | Afternoon Cookout Refreshments | Door Prizes

So, gather your favorite family and friends of Wanigas Credit Union (members only) and invite them to the annual golf outing! Teams of 3 will play a scramble tournament. Simply complete the registration form and return it to Wanigas Credit Union along with your team fees. We look forward to seeing you on the course!

Saturday, August 21Swan Valley & Crooked Creek Golf Courses

9:00 a.m. shotgun start$45 per person

for our 24th annual Golf OutingSave the Date

Shred-it DayJuly 15 | 11:30 a.m. – 1:30 p.m. | Shattuck Branch

Why risk losing your identity? By shredding your important documents, you can ensure that your identity doesn’t fall into the wrong hands. Join us for Shred-It Day and bring in all of your old statements, unneeded receipts, and other papers that contain personal information you no longer need. We will shred them for you for free!

You must be a credit union member 18 years of age or older to enter. Contributions to MCULLAF are not considered charitable contributions or business expenses for income taxpurposes. Contributions are voluntary and there shall be no reprisal for those who decide not to contribute. Need not be present to win, prize must be claimed within 60 days.No refunds on ticket purchases.

(IF WINNER CHOOSES TRUCK, WINNER WILL BE RESPONSIBLE FOR PAYING ALL TAXES, TRANSFER AND LICENSE FEES.)

The State of Michigan Bureau of State Lottery Charitable Gaming Division has issued License Number R06528 to MCULLAF to conduct this raffle at 9:00 a.m. on Monday, November 8, 2010.

$20,000 TOWARD THE PRICE OF A

2010 CHEVYSILVERADO

OR$20,000

CASH

For a $5.00 contribution to support Michigan Credit Unions’ politicalaction efforts you could be the winner of:

j u ly 2 0 1 0

© CUAdvantage.com • 877.799.0784

M a i n O f f i c e1837 Bagley Street Saginaw, MI 48601

(989) 759-5780 Fax: (989) 753-7864Toll Free: 1-800-675-2285

www.wanigas.com

S h a t t u c k O f f i c e4026 Shattuck Road Saginaw, MI 48603

(989) 799-9800 Fax: (989) 799-9836

B ay c i t y O f f i c e4129 North Euclid

(1/4 mile south of Wilder Road) Bay City, MI 48706

(989) 799-9801 Fax: (989) 684-8061Toll Free: 1-888-684-4860

h O u r S Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 9 a.m. - 5:30 p.m. Friday............................. 9 a.m. - 5 p.m.

D r i v e - t h r u Thursday................... 8 a.m. - 5:30 p.m. Friday............................. 8 a.m. - 5 p.m. Saturday ....................... 9 a.m. - 12 p.m.

“It’s time for you to shine”

have you heard? A new Wanigas Branch

is coming

Thank You Wanigas Members for Voting Us #1

In Multiple Categories!

Members voted Wanigas Credit Union #1, twice!

Voted #1 Credit UnionVoted #1 Mortgage Lender

Thank you for your support and dedication to Wanigas Credit Union! We are proud to provide all members

with the service they deserve, and we look forward to providing you

with noteworthy member service for many years to come.

Invest in America: the right key for Great Discounts

Independence Day Saturday, July 3Monday, July 5

Labor DaySaturday, September 4 (Labor Day observance)Monday, September 6

holiday closings:

9030 Gratiot Road (in Thomas Township)Saginaw, MI 48609

We are pleased to announce that a new Wanigas Branch will open to better serve credit union members. Stay tuned for the exact grand opening date!

Invest in America continues to grow. Now, credit union members can receive discounts on everyday items as well as GM vehicles, and get paid to shop online!

Sprint – up to 15% off mobile servicesFTD Express - $15 discount on flowers and giftsAnd More!

Plus, when you shop online at over 1,200 participating online retailers, including Target, Toys R Us, Barnes and Noble, Home Depot, Apple and more, you’ll get rewards! Receive special credit union member discounts as well as a check from Shop America every time you earn $10 or more in cash back.

It’s simple to get started!Go to www.lovemycreditunion.org and click on “Save on Everything Else”, then “Shop America”. Follow the instructions, and you’ll be able to shop online – and get paid to do it!

If you have any questions about Invest in America, or the newest program Shop America, please contact the Credit Union or visit www.lovemycreditunion.org.

VoTED #1

Bagley Branch

Drive-thru now

Open!

New Saturday hours

9:00 a.m. - noon are now

available .

Welcome Home!With today’s great low mortgage rates, the possibilities are nearly endless for home buyers. With Wanigas Credit Union, you can select from 2 different options to fit your mortgage budget with our First Time Home Buyer Program*.

option 1 – Wanigas Credit Union will waive the $350 processing fee and you will receive a .25% discount on your interest rate.

option 2 – Wanigas Credit Union will waive the $350 processing fee and pay 50% of the closing costs, which include the Appraisal, Underwriting Fee, Courier Fee, Title Closing Fee, Title Insurance Fee, and Recording Fee.

*A first time home buyer is anyone who has not previously owned a home and is purchasing their first home. Qualify for the First Time Home Buyer Program by having a Wanigas savings and checking account, having a Wanigas debit card, and signing up for automatic payments.

Drive Home A DealYou know our auto loans can save you money. After all, that’s what credit unions are famous for! But did you know we can also help you save time and hassles?

Just call or stop by for convenient pre-approval before you visit the dealerships. With your financing already in place, you can negotiate your best price and drive home with a smile on your face.

Remember, we can also refinance your auto loans from other financial institutions. With rates as low as 3.99% APR* we may be able to lower your monthly payments and help you save on finance charges. Call, stop by or visit our website at www.wanigas.com for more information on pre-approval or refinancing.

*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.

The Power of CardLock™

n Empowers you to help prevent credit and debit card fraudn Automated and easy to use by phone or onlinen Lets you lock or unlock your card in secondsn Notifies you of unauthorized transaction attemptsn Provides an extra measure of confidence and security

It’s FREE to lock and protect your Wanigas credit and debit cards when you’re not using them!

Call 877-CULOCK1 (877-285-6251) or visit www.cucardlock.com.