Our Mission: Serving members with convenient financial services and a smile they can trust.

1000 Lisbon StreetLewiston, ME 04240

207-783-1475www.centralmainecu.com

Member Matters

June 2011

Printed on recycled paper

FunTown / SpLaShTown

DiScounT TickETSFunTown Only: $20.00FunTown/ Splashtown

Combo: $25.00

Credit Union ClosingsMonday, September 5 Labor Day

Monday, October 10 Columbus Day

Friday, November 11 Veterans’ Day

Thursday, November 24 Thanksgiving Day

Saturday, December 24 Monday, December 26 Christmas Day

Monday, January 2 New Year’s Day

cREDiT union REcEiVES 3 FiRST-pLacE awaRDS

At the Maine Credit Union League Convention held in May, Central Maine Credit Union won a First Place Dora Maxwell Social Responsibility Award for its ‘Books for Kids’ program. The Dora Maxwell Award recognizes a credit union for its social responsibility work and the charitable projects that support its community.

Central Maine Credit Union also received a First Place Louise Herring Award for Philosophy in Action for its Monty Moose Youth Savers Program. The Louise

Herring Award is awarded to a credit union for extraordinary programs that are focused on its membership and create services that benefit members.

The Desjardins Youth Financial Education Award recognizes leadership within the credit union movement on behalf of youth financial literacy. It considers all activities supporting the personal finance education of young members. Central Maine Credit Union won first place for its Teen Program.

This is the ninth consecutive year Central Maine Credit Union has won the Dora Maxwell and Louise Herring Awards. It is the first time for the Desjardins Award.

National Award: Central Maine Credit Union received a 2nd Place National Louise Herring Philosophy in Action Award from the Credit Union National Association (CUNA) in March 2011 at CUNA’s Governmental Affairs Conference in Washington, D.C. You may view the recent award plaques, as well as many others received in past years, displayed in our main lobby.

TRina MERciER REcEiVES JEannETTE G. MoRin awaRD FoR ouTSTanDinG cREDiT union EMpLoYEE

At the Annual Awards banquet for the Maine Credit Union League held in Augusta in May, Trina Mercier was honored for her accomplishments by her peers and associates from among more than 2,000 credit union employees.

Described as a “Jill of all trades” by her co-workers, Trina has worked a variety of positions since joining the Credit Union in 1996. She has been a teller, a computer clerk, operations specialist and her current position of Assistant Vice President of Operations.

One of the accolades included in Trina’s nomination was her “sense of humor and willingness to do whatever is necessary to help our members.” Congratulations, Trina!

aT LEaST ouR auTo Loan RaTES aRE STiLL Low!

Interest Monthly Term Rate Payments** 36 months 1.90%* $28.6248 months 2.40%* $21.8860 months 2.90%* $17.9472 months 3.40%* $15.3884 months 3.90%* $13.64

*Annual Percentage Rate for eligible borrowers with qualified collateral on new and used vehicles only. No motorcycles or recreational vehicles. No internal refinancing. No rate discounts available on these rates. Other rates and terms available. The rate may vary depending on each individual’s credit history and underwriting factors. All credit union loan programs, rates, terms and conditions are subject to change anytime without notice. ** Monthly payments per $1,000 borrowed. Please speak with one of our Financial Services Representatives for details.

- Local Servicing

- No Annual Fee

- No Fees for Cash Advances

and Balance Transfers

- Same Interest Rate for

Purchases & Cash Advances

See us today for your Visa Card!

To Report Lost or Stolen Cards after business hours:Visa Credit Card 1-800-991-4961Visa Debit Card 1-800-472-3272

EQuinoX inSuRancEIf you’ve been thinking about obtaining a quote for your auto or homeowners insurance, a representative from Equinox Insurance Services will be here from Noon to 4:00 P.M. on the following Fridays: August 5th, September 2nd, October 7th, November 4th and December 2nd.

So stop by with a copy of your current insurance policies and let Equinox determine if you’re getting a good deal on your insurance, or call 1-800-611-0345 anytime to speak with a representative.

ShaRE anD win wiTh ShaRED BRanchinG!Central Maine CU is part of the Shared Branch Network. Shared Branching opens doors to thousands of other credit unions, with over 145 locations in Maine and over 4,300 across the country. You can conduct transactions wherever you go - just like you do at Central Maine CU. And now, because we share our branches with credit unions everywhere, you can win cash by sharing how you save money! Maine’s Credit Unions are giving out $250 each month to the member who shares the most unique financial tip. Visit www.ShareItAndSave.org to share your best tip and check out what others are sharing. While you’re there, take a look at the Shared Branch Locater that allows you to enter an address or intersection to find the three closest Shared Branches, wherever you are!

cREDiT union awaRDS GRanT FoR SuMMER REaDinG pRoGRaMCentral Maine CU has awarded its Summer Reading Grant to the Auburn Public Library for their 2011summer reading program “One World, Many Stories” which will provide a fun and interactive way for children to enjoy books and learn about far away places. The grant is awarded to programs that encourage reading and literacy in children during the summer months. The grant is open to all public and school libraries in Androscoggin County.

2011 DoMinic J. RouX MEMoRiaL SchoLaRShipNicole Smith is the recipient of the 2011 Dominic J. Roux Memorial Scholarship. A 2011 graduate of Leavitt High School. Nicole will be attending the University of New Hampshire in Durham this Fall.

SchEDuLE oF chaRGES & FEES

The following list of fees reflects the philosophy of the credit union that the fairest treatment of all members requires the assessment of some fees on costly services to those members who utilize the service. This philosophy has been adopted to ensure the most equitable treatment of all members.

Share Draft:

Return Check/ NSF $25.00Overdraft Item Paid $25.00Stop Payments $20.00Stop Payment using AnyTime Access $5.00Overdraft Transfer from Savings $3.00Statement Copy/ StmtSuffix History $1.00 per monthPassbook Suffix History $1.00 per monthCheck Orders VariesCopy of check - (on site e-Research) $2.00 eachAccount Reconcilliation (billed in quarter hour increments) $25.00 (Minimum $10.00)

Manually Cleared Checks $2.00Over-the-Counter Checks (8) $5.00Deposit Item Returned $15.00Charged-Off Checking Fee $100.00Charged-Off Account Fee $100.00

Money Orders/ Official Cks $2.00Stop Payment (if permitted) $25.00

Account Research $40.00/hour(1st hour collected up front)

Telephone Transaction or

Inquiry $1.00 each

Close Out IRA $10.00

Exchange member check for money order $10.00

Non-member cashing on-us $10.00 check

Visa Fees:Annual Fee $0.00Rush Card $30.00Card Replacement $10.00Late Payment $25.00Overlimit Fee $.00Statement Copy $2.00Insufficient Funds $25.00Copy of Draft $5.00

Safe Deposit Box Fees:3” x 5” $25.005” x 5” $35.003” x 10” $40.005” x 10” $50.0010” x 10” $70.00Key Replacement $25.00Box Drilling $125.00Late Payment Fee $20.00

Visa Gift Cards: $5.95

Mortgage Payoff: $25.00

Internet Banking Free

e-Statements Free

Bill Pay:Monthly Service FreeCopy of Check $7.50Stop Payment (if allowed) $20.00Research/Payment Inquiry $40 per hr(1st $25 collected up front - $25 minimum)

Fax Fees $2.00 Outgoing & Incoming

Notary Fee - Nonmember $10.00

Notary Fee - Member Free

Outgoing Wire Fee $15.00(per attempt)

Incoming Wire Fee Free

Verification of Deposit $5.00

Lost Passbook Free

Photocopies (within reason) No Charge

Electronic (ACH) Withdrawal Fees:Stop Payment $20.00Insufficient Funds $25.00Indemnity Return $25.00

Legal Processing (liens, subpoenas, writs, etc.) $25.00

Certificate Early Withdrawal Penalty:6 month 60 days12 month 90 days24 month 180 days36 month 180 days48 month 180 days60 month 180 days(Number of days interest. IRA early withdrawals

may differ).

Dividend Check Mailed to Other Financial Institution $5.00

Backup Withholding (at set up) $10.00

Consumer Loan Application Fee $25.00 (Waived if loan is closed or denied)

Canadian Exchange $15.00

Process Canadian Check $15.00

Laminate Items (Not Issued by CMCU) $1.00

Visa Debit/ATM Card Fees:Transaction @non SurF ATM $1.00Card Replacement (no trade-in) $10.00Card Block - Abuse $5.00Debit Card PIN Change (at ATM) FreeDebit Card PIN Change (by CU staff) FreePhone Inquiry or transaction $1.00

Copy of Deposited Check $5.00

Returned Mail $3.00

Federal Express – in U.S. $30.00

PLEASE NOTE: Fees will never be assessed if they are the result of credit union error. Some fees are waived for Members Choice. Effective 6/27/2011.

have a carefree Summer with Visa®