FALL 2016

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ICUDSKIP-A-PAYMENTCommunity Shred

Membership DrivePresident’s MessageHoliday LoanFinancial Independence

Sprout AccountsVISA CreditWhat’s A Credit Union

Save with SprintSave the DatesMad City Money

Community Shred

FREE FOR ALL WRCU MEMBERS, FRIENDS AND FAMILY MEMBERS

October 15th 2016 from 9–11am

Continental Paper Grading3350 Concord Road • York PA 17402

SKIP YOUR LOAN PAYMENT

APPLY NOW!ONLINE OR IN YOUR LOCAL BRANCH

FOR YOUR SKIP A PAY BENEFITS.COST IS ONLY $25

Other restrictions do apply.

Ask a Representative how to apply

Application must be submitted the month prior to the loan payment Skip-A-Pay request.

Join us in celebrating International Credit Union Day on October 20th, 2016 as we continue our annual day of paying it forward. We invite you as a member

of our community to join us by:

• Donate canned food items at any branch and

receive a Manifesto of Kindness

• Take a bag of canned food items from our collection to give to someone in need

• Simply pay it forward in your own special way

It’s our community. We care.

Little by little…helping each other along the way. That’s how we change the world

Rates are subject to change without notice.

Must be eligible for membership to qualify,

some restrictions do apply.

Available for a limited time... October 1 to December 31, 2016

Rate is 6.99% APR*a term of up to 12 months

$2,000.00 maximum

*APR = Annual Percentage Rate

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PRESIDENT’S MESSAGE

D e b r a A K a u f f m a n , C C U Edkauffman@whiterosecu.com

Over the last few months, the staff at White Rose has been busy learning about some of our newest products and services. We are very eager to help you benefit from them.

We now offer Reloadable Travel Money VISA Cards. These cards replace traveler checks and work like a prepaid VISA card. You can add funds to it through an app or by calling the office. Another new service is E-Alerts for your accounts. If you are signed up with our Online-Banking, then you have access to sign up for them. These alerts are delivered automatically to your email and/or text. The best part is that you are in control of what conditions generate the alerts. By the end of October, we will be offering an extended coverage on our Overdraft Privilege Program (ODP), to include debit card transactions. You will need to elect to receive this extended coverage. If you would like more information for any of these new products and services, please contact any of our branches.

In addition to all these great products and services, the Board of Directors has approved a new mission statement: White Rose Credit Union is committed to improving the lives of our members andcommunity – and inspiring others to do the same. It’s our community. We care.

I hope you enjoy all the fall festivities that this time of year offers. I also give you my “thank you” for being a valued member at White Rose Credit Union. You’re the reason why we live by our core values, and our mission statement. It’s your life. We care.

Are your kids on the right track to financial independence?

For many of today’s young adults, the weakest link lies in learning the basics. According to a 2015 survey conducted by Harris Poll on behalf of Junior Achievement USA , the number of teens who think their parents don’t spend enough time talking to them about managing money significantly rose (21 percent in 2014 to 32 percent in 2015).

Achieving economic prosperity is difficult, and it’s especially hard for young people who’ve never learned how to manage money.

Your credit union is ideally positioned to respond because we believe in the power of education. We’re here to help you launch the youth in your life toward financial independence, and here’s how:

Join. For starters, open a credit union savings account for each child in your family. As soon as

your children can write, have them fill out deposit and withdrawal slips. Guide teenagers through using a debit card and tracking transactions.

Share. Include your children in household money discussions. Show them how you budget income and expenses. As their skills improve, give them challenges—such as finding a better cell phone plan, calculating the total monthly cost of owning a car, or sticking to a budget for back-to-school or holiday spending.

Coach. Remind your children to ask for help when they need it. And turn to your credit union when you want help. Our tradition of service and philosophy of self-help make White Rose CU and all credit unions a natural partner in pursuing financial security.

We’re here to help. For more information please reach out to us.

Teach Your Children Financial Independence

Copyright 2016 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

Holiday LOAN

For every new member you refer that opens an account during the month of November you will receive $10 in your account and the new member receives $10. Earn as much as you want.

Some restrictions apply. To receive the $10 reward, the new members must qualify. Reward will be paid upon processing the new account.

WRCU MEMBERSHIP DRIVELet White Rose CU pay you a bonus during the month of

NOVEMBER. Did you know that your friends and family that live,

work, worship, attend school or own a business in York OR

Adams County can join YOUR credit union.

White Rose Credit Union is committed

to improving the lives of our members and

community – and inspiring others to do

the same. It’s our community. We care.

If your kids are reaching the age where they’re ready to open a savings account, they may be aware that the word “bank” has some negative associations associated with it.

The repercussions of the financial recession are still reverberating through the culture, and the reputation of big banks has not fully recovered. So if your eager young savers are wondering why they should trust their hard-earned allowance to a bank, you can explain that a credit union isn’t a bank.

But how do you explain to kids that a credit union is so much more?

Well, a credit union is a not-for-profit financial cooperative, so its foundational principles include things like helping the community and educating members. But that’s a difficult concept for a kid to understand.

So keep it simple.

Tell them the credit union is a friendly place where people come together to help each other save and lend money. And unlike a bank, a credit union doesn’t want to take your money and use it to make more money for people far away on Wall Street. Instead, the credit union is there to help them—and their friends and neighbors—make good money decisions.

Ultimately, a credit union exists to make them and their community stronger.

Hey Kids! Open your very own Sprout Account with $25 and receive a FREE Barnyard Buddy!

Save for the future, and earn bonus prizesfrom the Sprout Club basket.

Here’s how to earn each prize:

Every $25 deposited

Show us your GOOD report card

Complete an activity

Refer a friend for a Sprout Account

You’ll find activities in your branch or online.

Watch for special games and giveawaysthroughout the year.

Must meet membership requirements.

Grow with us.

Visa Double RewardsReceive double rewards points on all purchases on both your

VISA Debit and Credit card November 1 – December 31, 2016

When the discounted period expires, the APR on the existing balances will increase to the low non-discounted rates.

Everyday low rates on your WRCU VISA Credit Card!

6.49%* APR

10.49%CLASSIC RATEPLATINUM RATE

* APR

*APR = ANNUAL PERCENTAGE RATE

3.90%* APR

INTRODUCTORY RATE

Introductory rate for a new account is for a

period of six billing cycles.

Hey, Mom and Dad? What’s a Credit Union?

LET US GET YOU PRE-APPROVED BEFORE YOU SHOP.

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LOCATIONS

EAST YORK BRANCH3498 Industrial DriveYork, PA 17402717.755.9773 orTOLL FREE 888.755.9773

WEST YORK BRANCH1529 Rodney RoadYork, PA 17408717.767.5395

HANOVER BRANCH1001 Carlisle StreetHanover, PA 17331717.630.8939

DALLASTOWN BRANCH160 East Main StreetDallastown, PA 17313717.244.4586TOLL FREE 888.755.9773

EAST YORK, WEST YORK HANOVER AND DALLASTOWN HOURSMON / TUES / WED Lobby 9:00 – 4:30 Drive Thru 8:30 – 5:00THURS / FRI Lobby 9:00 –5:00 Drive Thru 8:30 – 6:00SATURDAY Lobby & Drive Thru 9:00 – 1:00

DOWNTOWN YORK BRANCH107 East Philadelphia StreetYork, PA 17401717.846.1156

MON / TUE / WED Lobby 9:00 – 4:30

THURSDAY Lobby 9:00 – 5:00

FRIDAY Lobby 8:00 – 5:00

CHECK OUT OUR SPONSOR PROMOTIONS

Verify Your Credit Union Membership to Keep Saving

with Sprint

OCTOBER 7 – Walk a Mile in Her Shoes

OCTOBER 10 – Staff Enrichment Day – closed for Columbus Day

OCTOBER 15 – Shred Day

OCTOBER 20 – ICUD – Pay it forward day – Dallastown Parade

OCTOBER 27 – Hanover Halloween Parade

NOVEMBER 17 – Chamber Mixer at Hanover branch

NOVEMBER 24 – Closed for Thanksgiving

NOVEMBER 26 – Fill-A-Bus partnered with Hanover Rhinos and Toys for Tots

DECEMBER 24 – Christmas Eve – Closing at noon

DECEMBER 25 – Christmas

DECEMBER 26 – Closed in observance of Christmas

DECEMBER 31 – New Year’s Eve closing at 1 PM

JANUARY 1 – New Year’s Day

JANUARY 2 – Closed in observance of New Years

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SPECIAL EVENTS/SAVE THE DATES

White Rose Credit Union is pleased to offer monthly wireless discounts to our members with the Sprint Credit Union Member Discount. If you’re already enjoy-ing the savings from this Invest in America program we want to make sure you can continue to do so. Periodically, Sprint needs participants to verify eligibility so they can receive the discount and waived activation fees. If you’re planning on signing up for the Sprint Credit Union Member Discount, you’ll need to verify eligibility as well.

NEW SPRINT CUSTOMERS: You need to verify membership within 30 days of activation.

CURRENT SPRINT CUSTOMERS: You need to provide proof of discount eligibility (credit union membership) when you upgrade your device if it has been 20 or more months since you were last validated.

The verification process is easy and only takes a few minutes to complete. Verification will make sure you’ll continue to receive the great benefits and exclusive savings that Sprint offers.

Members can now verify credit union membership using the Invest in America app with its simple and secure verification process. And it takes just a few minutes to complete.

iPhone users can find it at the Apple App Store while Android users can find the app in the Android Market – just search for “Invest in America.” This app also lists all other Invest in America discounts.

Please take the time to download the free Invest in America Sprint Verification app, try it for yourself and see just how simple it is to use so you can keep saving with the Sprint Credit Union Member Discount.

Learn more about the Sprint Credit Union Member Discount at

LoveMyCreditUnion.org/Sprint.

We offer a wide variety of financial literacy materials from Biz Kids DVDs to an actual real life simulation

(Mad City Money) where kids must accomplish a monthly budget based on a made up adult profile.

These are offered to the community and schools at NO COST.

ATTENTION TEACHERSContact Bob Ford at

717 818.7183 or rford@whiterosecu.com to schedule a Mad City Money

simulation or get a copy of the Biz Kids DVDs Topics.