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President’s Message

Hello Members Financial Members!

Here we are coming to the end of a very unusual summer and sliding into Fall. As much as I’m sure

most of us have plenty of reason to be happy to see summer 2021 ending with the hopes of the

economy improving and COVID 19 and the Delta variant soon to be under control. I take heart,

however, in our resilience – we have adjusted to so much change so quickly and we continue to find

ways to keep moving forward.

At Members Financial, we too are adjusting to our new normal. The Member’s Crew has been

phenomenal adjusting to all the changes since 2020 that we have put in place to protect staff and

members alike, and I count myself very lucky to lead a group of such passionate and dedicated

employees.

Over the next several months, be on the lookout because community events are coming back;

Breast Cancer Awareness, Food Bank Drives, Toy Drives, Sports, and other company sponsored

events. I hope you will be able to take part in some of these community events as we continue our

journey to normalcy.

As always, take a moment and ponder your next steps in your financial future, and how Members

Financial can support you.

Hoping this Fall brings you good health and happiness.

Thank you,

Becky Wisdom

President/CEO

Winter 2021

October 11th, 2021 - Columbus Day

November 11th, 2021 – Veteran’s Day

November 25th, 26th, & 27th, 2021 - Thanksgiving

December 24th & 25th, 2021 - Christmas

December 31st, 2021 & January 1st, 2022 – New Year’s Eve & Day

Turn your clocks back 1 hour on November 7, 2021

The National Fire Protection Association recommends that you schedule battery replacements for smoke detectors the same day you change your clocks.

Lobby Hours: Mon - Thurs 8:30am -5:30pm

Friday 8:30am – 6pm

Drive Thru: Sat -9am-1pm

Location:3100 Sunburst Dr.,

Midland

Mobile App 24/7 everyday

Contact us: (432)520-3443 or

(800)869-0961

www.membersffcu.org

Stretch Your Dollar with A Low-Rate CU Credit Card

Credit unions do all they can to help members stick to their budgets and stretch their earnings and that includes offering an affordable credit card.

In our current economy, the cost of living had increased significantly, even surpassing the average monthly income. Not only does this make saving difficult but also makes the use of credit cards among most consumers something of a necessity. In fact, one would be hard pressed to find an American without at least a single credit card in his or her wallet. For credit union members, it would be financially wise to make a CU credit card their primary choice.

Typically credit unions offer a low, fixed rate, no balance transfer fees, no cash advance fee, and no annual fee. So, if you are looking to better manage expenses and make your monthly moolah go a little further, start using that CU credit card in your wallet. If you don’t have one, apply today and take advantage of the special offers your credit union may be running.

Direct Deposit: Fast and Easy Money Management

If you get a recurring payment from your job, retirement plan or Social Security or are entitled to an income tax refund, use direct

deposit to your credit union account for fast and easy access. The funds are deposited electronically, usually to your checking account, and are available immediately. But if you have future, like a down payment on a vehicle or a house, college for the kids, or a vacation, you'll want to have some portion of your funds squirreled away into your share savings account. It's easy to arrange for an automatic transfer. Putting your savings on autopilot is a tried and true way of reaching your savings goals because what you don't see, you don't miss. That's especially the case if you stow away any pay raise you've received. Contact the credit union to find out how to use Direct Deposit to simplify your spending and savings plan.

#MyNextStep is to enjoy the holidays with

Skip your November or December loan

payment & put extra cash toward your holiday plans.

A $35.00 skip-a-pay fee for each payment

skipped. Download the form from the website, have a form mailed to you,

or stop by the branch. Some restrictions apply.

SMART CHOICE – a HOME EQUITY LOAN

WE HAVE SCARED AWAY HIGH INTEREST RATES! NEED A LOAN? CHECK OUT OUR WICKEDLY

LOW LOAN RATES.

A credit union loan is a good option to consider if you’re looking for an alternative to a

personal loan, car loan, refinancing a high interest rate loan, Home Equity loan from a

bank. Credit Unions are not-for-profit financial institutions that aim to help members save money

with lower-interest-rate loans. Plus, you may have a better chance of getting approved for a

personal loan from a credit union. Check with the credit union before you plan on a big purchase.

Saving our members money is our goal.

We offer many types of loans.

✓ Match-a-Rate from a competitor or beat the rate

✓ Refinancing to lower payments

✓ Personal Loans

✓ Share Secured

✓ CD Secured

✓ Pre-Approved

✓ Home Equity

✓ And other financing options

The savings don’t stop with just the auto loan. MFFCU also offers excellent Protection Products that can

help you protect your investment, which include Extended Warranties, GAP Plus, MPOWER offers 6

months of vehicle return protection up to $7500 as well as Tire, Wheel, Windshield, and Dent & Door

Protection. You may be able to roll these low-cost protection products in with your loan. For more

details, contact a loan officer today.

Put Your Home’s Equity to Use!

Use the equity in your home to access a lump sum of funds. These funds can be used for just

about anything, including home improvements, paying off debt, long awaited dream trip and

more. The great low interest rate is fixed, so your monthly payment won't change.

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Make the season a bit merrier!

HOLIDAY LOAN

Need extra cash for the

holidays? Borrow up to $1200,

for 12 months at 12.00% APR*

with a Credit Union Holiday

Loan. Apply November 1st

through December 30th.

*Annual Percentage Rate

Some restrictions apply.

It’s October and that means-Breast Cancer Awareness month, and we’re pulling no

punches in our fight against breast cancer! This year, we’re bringing back the pink

punching bag in the lobby. With a freewill donation, you get to punch the bag. Your

chance to win starts with purchasing a raffle ticket for a supersized gift basket full of PINK

favorite items, candy and much more. Each ticket is $10 and all proceeds are donated to

the Breast Center that serves the Permian Basin and Susan G. Komen Breast Cancer

Foundation. We’re proud to support this cause and look forward to the help from our

MEMBERS.

Help us meet our GOAL of 1000 lbs. of food!

Members Financial will be holding its annual food drive for the West Texas Food Bank during the month of November. This is a great chance to make a difference in our community. We encourage you to join us in our efforts to help our less fortunate neighbors. You can help by donating nonperishable food items in the Food Bank barrels located in the lobby at 3100 Sunburst Drive, Midland. Much needed items include: canned protein such as tuna, chicken, stew, and soup; peanut butter and jelly; and staples such as beans rice and pasta.

December Toy Drive

Let’s help kids in the BASIN have a Merry Christmas. Toy Drive collection will run November 15th – December 15th at the CU branch. Help put a smile on a child’s face this holiday season.