End of the year deals are here and we’ve got the winning rate on your next new or used vehicle loan. Challenge us to match or beat your existing auto loan to save money. PLUS, you could win your first payment on us!1 Request a pre-approval letter before you visit the dealer to make shopping easy. Apply today! Visit our Loan Team, call us at (337) 482-6956 or go to www.ulfcu.com.1View official rules at www.ulfcu.com. APR = Annual Percentage Rate. Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. Your APR may differ based on your loan amount, repayment method, and other factors. Membership required. There is a Loan Processing Fee of $20.00 for all loan application requests. Offer available through November 29, 2019.

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Connect with UsLouisiana Ring Savings AccountExclusive Rewards

Holiday Loan Special Holiday Skip-A-PaymentRagin Cajun Star RewardsLucky Lagniappe Winners

Community Involvement Text Shared Branch LocatorMortgage Options for You

In This IssueSave the Date: International Credit Union Day

At its most basic level, a credit union is people pooling their money to provide each other with affordable loans—it is

literally people helping people. Credit unions empower people, wherever they are in the world or life, to take control of

their financial future. Join us, with 200+ million credit union members around the world, and celebrate ICU Day!

Thursday, October 17, 2019 Main Branch & Campus Branch9 a.m. - 4 p.m. Refreshments & Register to Win Cash Prizes

11 a.m. - 1 p.m. Nacho Bar (while supplies last)

BRANCH HOLIDAY CLOSINGSMonday, October 14 | Columbus Day (Staff Training)Thursday, November 28 | Thanksgiving DayFriday, November 29 | Acadian DayTuesday, December 24 | Christmas Eve Wednesday, December 25 | Christmas DayTuesday, December 31 | New Years Eve Wednesday, January 1 | New Years Day HOLIDAY HOURSDecember 16-27 | 9am-3pm (Lobby & Drive Thru)

F A L L 2 0 1 9 N e w s l e t t e r

NEW USED REFINANCE. . . .WE’RE ON YOUR TEAM

WIN Your First Payment On Us!1

ULFCU members continue to win with thier Lucky Lagniappe Savings Accounts. Martha P was surprised at work with a $1,000 oversized check for being the Statewide Quarterly Winner. Earn a prize drawing entry each time you save $20 in the same month.1 The more you save, the more chances you have to win. Visit a branch to open your account today!1See a member representative for complete terms, conditions and official rules. Membership eligibility required.

ULFCU Monthly Winners ($50)• June: Elizabeth S.• July: Marnie R.• August: Hadley S.

ULFCU Statewide Winners ($100)• June: Roxanne B., & Debra B.• July: Terrance P., & Hadley S.• August: Mary N., & Donna R.

ULFCU Quarterly State Winner ($1,000)• June: Martha P.

Lucky Lagniappe Winners

Youth Savers Earn Cash for Grades Our Ragin’ Cajun Stars Youth Savers program pays cash rewards to students for good grades. Youth account holders in PreK through 12th grade receive $0.50 for As and $0.25 for Bs on their report cards from the current school year. Submit an official report card after each grading period to earn rewards. Drop off report cards at a branch, fax to 337-233-0379, email to marketing@ulfcu.com or mail to: ULFCU, Attn: Marketing Department, P.O. Box 43635, Lafayette, LA 70504. Learn more at ulfcu.com.

Congratulations to our End of Year Prize Winner!Chante W., a 9th grade student, had her report card randomly selected as the end of year prize winner. Submit report cards before January 15 to enter to win the mid year prize drawing.

2018-2019 Star Rewards StatisticsTotal Participants 50 members

Total Payments Made 157Average Reward per Report Card $3.75

Make checking off your holiday wish list easier with a new perosnal loan. It’s our gift to you. Borrow up to $5,000 at 2.00% APR off your qualifying rate.* Take advantge of this opportunity before it ends. 2%OFF

APR**APR = Annual Percentage Rate. Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. At 7.95% APR, pay 24 monthly payments of $45.36 per $1,000 borrowed. Your APR may differ based on your loan amount, repayment method, and other factors. Offer available through January 29, 2020. There is a Loan Processing Fee of $20.00 for all loan application requests. Equal Opportunity Lender. Federally insured by the NCUA.

Wrapped up in holiday bills? Skip-A-Payment on your qualifying loan this November or December and enjoy that extra cash.1 There is a processing fee per loan skipped of $35 for loan payments of $499.99 or less and $50 for loan payments of $500.00 or more. Application available at any branch and ulfcu.com.1Must meet all qualifying criteria. Some loan types are not available for this promotion. All requests are subject to approval. Contact a loan officer for complete details.

Holiday Skip-A-Payment

Cold Cash, Warm Hearts Holiday Loan Special

Board of Directors William “Bill” Crist, ChairLoretta Tauzin, Vice Chair

Carolyn Broussard, Secretary/Treasurer

Directors:Oliver Blanchard, Jr.

Donna FontenotAlbert Glaude, Sr.

Harvey OzbirnKathryn RiedelMichael Simon

Associate Directors:Bryan Glatter

Garland “Chico” RodriguezDavid DesOrmeaux

Supervisory CommitteeDonna Fontenot, ChairCommittee Members:

Barton BroussardNancy Strodtman

Dawn MillerSherry Young

Members can now text a zipcode to 919-89 to receive a list of shared branches nearby. (SB) = Shared Branch

Also find a shared branch:

• Online. www.co-opsharedbranch.org

• Call. 1-888-SITE-CO-OP

• Mobile Apps. Download the CO-OP Shared Branch Locator App for iPhone® or Android™

Youth Savers Earn Cash for Grades

TEXT to Find a Shared Branch

Community Involvement Shred Day Our 2nd Annual Shred Day was held on Friday, September 6, 2019. The event took place in the Earl K Long Gym Parking lot on the UL Lafayette Campus. Thank you to our partners at the Office of Parking and Transit for allowing us use of the space. Our staff volunteers unloaded shreddables from 38 vehicles. Thank you to all of the participants who also donated nonperishables and toiltrey items to our Food Drive. Follow us on Facebook @ulfederalcreditunion or sign up for our emails to stay updated on all events.

“Thank you so much for offering

this event!”-ULFCU Member

Mortgage Options That Save You MoneyWhether you’re buying your first home, making your next move or simply refinancing, ULFCU has the terms, features and options designed to make getting a mortgage easier. We offer mortgages at fixed or adustable rates up to 30 years. Call Nadine today at 337-482-6956 or visit the branch to learn more. Read below for some quick tips.

• Process can be lengthy, typically about 30-45 days.• Do you have a down payment? It may not be needed, but it is helpful. • Your credit score and credit report will determine your interest rate.• How Much Can You Afford? Consider the bills you already have: utilities, cable, lawn care, etc. • Which home is right for you? Determine your Wants vs. Needs.

Pictured from left: Reed & Leisl B., ULFCU members and Nadine, ULFCU Mortgage Loan Officer.

Origination FeesProcessing FeesEscrowWill Your Loan be SoldClosing CostsPrivate Mortgage Insurance

ApplicationPre-Approval vs. Pre-QualificationLooking for a HomePutting in an Offer/Purchase AgreementInspection/AppraisalTitle WorkInsurance (Hazard, Flood)Closing

Mortgage Process

What you should know before you purchase:

Topics to discuss with your lender:

The Louisiana Ring Savings Account is designed for students to save the money needed to purchase their Official Louisiana Ring. With deposits as low as $91.00* per semester, earning your Louisiana ring is made easy. Once eligible, students can purhcase their Official Louisiana Ring by Balfour and participate in the Rock the Swamp Ring Ceremony. Learn more about this account on our website or visit a branch. Start saving today!*Membership eligibility required. For six semesters, at $91.00, you will have funds needed to purchase any style made of celestrium metal. Deposits range from $91.00 – $433.00 per semester depending on ring style and metal selected for the Official Louisiana Ring.

Save now for the ring you’ll want later. Louisiana Ring Savings Account

You can earn exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

Learn about how your University of Louisiana Federal Credit Union membership gets you all of these exclusive savings and more on our website, www.ulfcu.com, or at LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.

• Credit union members get $200 when you switch to Sprint, plus lines 3, 4 and 5 are FREE! Plus, $100 Annual Loyalty Cash Rewards and 25% off select accessories in Sprint retail stores. • Credit union membership also saves you up to $15 on TurboTax federal products.• Credit union members save on SimpliSafe, the #1 expert pick for home security.• Protecting your car and home shouldn’t cost an arm and a leg. UL Federal Credit Union members can save big with an exclusive discount from the TruStage Home & Auto Insurance Program.

Sprint Cash Reward: Via deposit. $100 per line, max 2 lines. Req. qualifying plan and registration within 30 days of activation. Loyalty Reward: Via deposit per account. Basic: After 9/30/20 pay $60 a month for line 1, $40 a month for line 2 and $20 a month per line for lines 3 thru 5, with AutoPay. Offer/coverage not available everywhere. Requires new lines of service. Subject to credit & $30 activation fee. Excludes taxes, fees, and roaming. Speed maximums, use rules and restrictions apply. Unlimited Basic compared to Verizon Start Unlimited for 5 lines, features differ.

Want to stay in the know on our events and promotions? Make sure your contact information on your account is up to date! Confirm and update your information using Online Banking.

1. Login to Online Banking at www.ulfcu.com.2. Scroll over the Preferences icon on the upper right toolbar.3. Select Personal Information.4. Make updates and click OK.

Connect with Us!

Follow us on Facebook @ulfederalcreditunion to get news and updates.

337-482-6956 | 800-232-9616memberservices@ulfcu.com | www.ulfcu.com

Mailing Address P.O. Box 43635 | Lafayette, LA 70504

Main Branch 805 Bertrand Drive | Lafayette, LA 70506Fax: 337-534-8222

Campus Branch 619 McKinley St., Ste. 101 | Lafayette, LA 70503Fax: 337-233-0379

University of Louisiana Federal Credit Union Lobby HoursMonday - Friday, 9:00 a.m. - 4:30 p.m.

Drive Thru HoursMonday-Thursday, 8:30 a.m. - 5:00 p.m.Friday, 8:30 a.m. - 5:30 p.m.

Telephone Banking337-482-CUCU | 800-351-4873

Free access to over 5,000 CO-OP Shared Branches and 15,000 MoneyPass ATMs nationwide. Visit www.ulfcu.com to find the nearest location.Equal Housing Lender. Federally insured by NCUA.Community Development Financial Institution.

More Savings. More Possibilities.