Inside this issue...• 2016 Annual Membership Meeting• Love My Credit Union Rewards• First Service VISA• Home Loans• Online Resources for Youth• More Mobile Conveniences

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April 2016A CREDIT UNION PUBLICATION FOR THE FINANCIAL ADVANTAGE OF ITS MEMBERSHIP

Open to Everyone in Franklin, Fair�eld, Delaware, Pickaway, Madison, Morrow, Licking, and Union counties.

First Service will help you get to a great auto loan- fast! Save time and get pre-approved at First Service

before you shop for your next vehicle. Your credit union has low, fixed rates and flexible terms to fit your budget. It’s free to apply, so we encourage you to lock in your low rate today; and you’ll have 30 days to shop with your pre-approval letter.

New and Used Auto Loan Rates starting at 2.67% APR*

Interest rates as low as 2.49% with a First Service Checking Account

First Service offers the convenient, flexible and easy solutions that you’re looking for when purchasing a new or used vehicle.

• Up to 100% financing • No application fee • No early payoff penalties at First Service

• Discounted processing fee with FirstChoice Checking • Terms to 84 months for new vehicles

Apply today… and you’ll be on your way from Zero to 60 to get your best auto loan deal!

Your Best Auto Loan is at First Service.Finance a new or used auto loan, or refinance an existing auto loan for an opportunity to take advantage of additional discounts and prizes!

Get more information about how you can qualify for Zero to 60 auto loan discounts, cash, Discount Tire prizes, and more! Complete details are available online at www.firstcu.com.

Your Best Auto Loan in Zero to 60…

*All loans on approved credit with qualified collateral. Rates starting as low as 2.67% APR are available based on credit criteria and model year and First Service Checking account. Interest rate based on a loan amount of $20,000, a term of 66 months and a $99 processing fee. Other rates and terms may be available. Auto and personal processing fee of $99 reduced to $74 with a FirstChoice Checking relationship. This offer may be changed or withdrawn at any time. Terms and rates may vary depending on credit conditions, model year and value of collateral; sample rates may not be all inclusive based on specific requests and criteria.

A C R E D I T U N I O N P U B L I C A T I O N F O R T H E F I N A N C I A L A D V A N T A G E O F I T S M E M B E R S H I P

AnyHour Loan 1-800-495-0981 • FirstConnect 614-920-6300Columbus • Grove City • Groveport • Hilliard • Reynoldsburg • 614-836-0100 • www.firstcu.com

APRIL 2016PAGE 2

2016 Annual Membership Meeting The First Service Annual Membership meeting is scheduled for Thursday, May 19th at 7 PM at the Madison Township Community Center. Incumbents Nanisa Osborn, Carrie Goss and John Leibold, will run unopposed and be elected to three-year expired terms on the Board of Directors. All members age 18 and over are invited to join us for a presentation of financial reports, door prizes and refreshments.

Madison Township Community Center 4575 Madison Lane Route 317, across from Groveport Madison High School

Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about.

First Service is excited to offer you exclusive discounts and benefits on products and services you use every day. Credit union members have already saved over $1.4 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.

❤ Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data service.

❤ Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal.

❤ Save up to $15 on TurboTax Federal tax products

❤ Save on services for your home from ADT, DIRECTV, Allied, and more

❤ Earn cash back when you shop at over 1,500 online retailers with Love to Shop

The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org. *Based on individual roadside assistance plan

The power is in your hands… to choose the perfect card for you!

First Service VISA® can be used for your everyday purchases, balance transfers, and cash advances. In addition to the LOW 4.99% APR* introductory rate for the first 12 billing cycles, you’ll enjoy:

• No Annual Fee• VISA e-Statements• Easy and Convenient iPay

At the end of 12 billing cycles from the time your VISA account is open, your balance will revert to a variable rate, currently 8.24% to 17.99% APR.

Choose from:VISA Platinum

RewardsVISA Platinum

Low RateCredit Unions for

Kids© Card

Earn 1 point for every $1 spent with a

VISA Platinum Rewards

Card. Redeem points for gift cards, travel, merchandise, music, and

more.

Enjoy the everyday

convenience of this non-rewards card designed for

members who are seeking a low

rate instead of rewards.

1% of all purchases on this card will

be donated to Children’s Miracle Network Hospitals

for the benefit of Nationwide

Children’s Hospital in Columbus.

APPLY TODAY in branch or online at www.firstcu.com for this limited time introductory rate! *Introductory rate is not available on VISA Platinum Secured card. We may end your Introductory APR and apply the prevailing non-introductory APR if you are 60 days late in making a payment. All loans on approved credit with a minimum $5 membership share savings account required. Rates will vary based on your credit worthiness. APR is variable and subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and determined by the Prime Rate on the first day of each quarter as published in the Wall Street Journal “Money Rates” table to which we add a margin. Current rates are between 8.24% APR and 17.99% APR based on creditworthiness. The APR will not be greater than 18.00%. This introductory rate offer may be changed or withdrawn at any time. For changes from the date of publication, contact First Service Federal Credit Union at (614) 836-0100 during regular business hours.

❤ to shop MOVING BENEFITS

A C R E D I T U N I O N P U B L I C A T I O N F O R T H E F I N A N C I A L A D V A N T A G E O F I T S M E M B E R S H I P

AnyHour Loan 1-800-495-0981 • FirstConnect 614-920-6300Columbus • Grove City • Groveport • Hilliard • Reynoldsburg • 614-836-0100 • www.firstcu.com

n Insured Savingsn Share Savings Accountsn Share Certificatesn Individual Retirement Accountsn Health Savings Accountsn Money Market Accountsn Youth Accountsn Prime Time (Senior) Accountsn Holiday Club Accountsn Free Checking Accountsn FirstChoice Checking Accountsn MasterMoney CheckCardsn MasterCard Gift Cardsn Reloadable Debit Cardsn Prewards® Couponsn New & Used Auto Loansn First Mortgagesn Second Mortgagesn Home Equity Loansn Personal Loansn Visa Credit Cardsn FirstConnect Phone Accessn Online Account Accessn Online BillPayern Free ATM Access Nationwiden Safe Deposit Boxesn Notary Servicesn Money Ordersn Direct Depositn Automatic Loan Payment Transfersn Automatic Savings Transfersn Loan Protectionn Business Services

Happenings is published to keep our members informed of the activities of their credit union and products and services available. Any advice offered here is for general guidance only.

All loans are on-approved-credit based on current lending criteria. Rates and terms are subject to change from the time of this publication. We suggest you consult your tax advisor for deductibility of home loan interest.

Dividends are subject to change by the Board of Directors. Call for current rates, fees and terms. Refer to your “Important Account Information for Our Members” brochure for specific rules and fees that govern First Service accounts.

Programs, promotions and offers may be changed or withdrawn at any time.

Services For Your Lifestyle

$250,000

PAGE 3APRIL 2016

Planning to Buy a New Home?The purchase of a home may be the single largest investment you will ever make in your life. We encourage you to explore financing options at your credit union.

We will lend up to 96.5% value for a new home purchase. First Service offers fixed rates, pre-qualification, and fast closings. Our home loan services include:

• Conventional Mortgages • FHA/VA • 10-Year Streamline Refinance

• Purchase or Refinance (terms available for 15, 20, or 30 years)

If you plan to purchase a new home this year, visit any of our branch offices to speak with the branch manager about your home loan options.All loans on approved credit. Credit criteria and mortgage terms may vary. Property insurance required. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Credit Act. NMLS#412995.

Home Equity: Consider Your Projects Done! Think Home Equity to start and finish your to-do list… Whether you need money for small projects or major improvements, First Service offers an affordable line of credit to take the equity you have in your home and put it to work for you.

With a Home Equity Line of Credit, you have the ability to simply transfer available funds from your approved credit line to a Prestige or FirstChoice Checking Account and enjoy unlimited check writing privileges plus CheckCard convenience, up to your credit limit.

Enjoy these features of a First Service Home Equity built for you:

• No Out of Pocket Expense• No Appraisal Fee• No Closing Costs

• No Annual Maintenance Fee• Potential Tax Benefit• Easy Check Access

Visit your neighborhood branch office or call (614) 836-0100 to learn more about opening a Home Equity Line of Credit.We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Credit Act. Property insurance is required on all First Service home loans. A Home Equity line of credit is a variable rate loan, with the rate set quarterly from .75% below the Prime Lending Rate as published in the Wall Street Journal. Our floor rate is 5% APR and our maximum rate is that allowed by law. We suggest you consult your tax advisor about the potential tax benefits of home loan interest. Appraisal fee is applicable if line is closed within 24 months of initial advance.

Online Resources for YouthYour credit union remains committed to helping our youth achieve a lifetime of financial success by providing online resources, starter accounts, special events, and more!

Check out our online resources for youth at www.firstcu.com.

The Dollar Dog Kids Clubhouse is always open for education and cool games. Kids will have lots of fun exploring all of the activities in the online Clubhouse!

Claim Your Youth is the online hangout spot for teens. Claim Your Youth is designed to help teens identify and understand financial issues that are relevant to their life. Teens can explore blogs written by their peers and learn about a variety of financial topics – such as budgeting, saving, and understanding credit.

ConsumerU is the First Service Online Financial Literacy Library available for members of all ages! ConsumerU can help you better understand financial products available in today’s marketplace, services for your everyday convenience, tools to improve your financial future, and ways to protect your privacy and safety.

How to Reach Us614/836-0100 • www.firstcu.com

FirstConnect: 614/920-6300 AnyHour Loan: 800/495-0981

Fax: 614/836-4578

Lobby Hours Monday - Thursday 9:00 a.m. - 5:00 p.m. Groveport Lobby 9:00 a.m. - 4:30 p.m. Friday 9:00 a.m. - 6:00 p.m. Saturday 9:00 a.m. - 1:00 p.m.

Drive Thru Hours Monday - Thursday 8:30 a.m. - 5:00 p.m. Friday 8:30 a.m. - 6:00 p.m. Saturday 8:30 a.m. - 1:00 p.m.

GROVEPORT 100 Main Street • Groveport, Ohio 43125

GROVE CITY Georgesville Square • 1660 Holt Rd.

Columbus, OH 43228

REYNOLDSBURG 7610 E. Main Street • Reynoldsburg, OH 43068

HILLIARD 2164 Hilliard Rome Rd. • Hilliard, OH 43026

Nationwide Childrens Hospital 255 Main St. • Columbus, OH 43215

Phone: (614) 355-0590 • Fax: (614) 355-0595 Lobby Hours: 7:30 a.m. - 4:00 p.m.

ATM Services Free ATMs are located at all branch locations. Cash withdrawals

are free at U.S. Bank branches and Fifth Third ATMs (other than Speedway locations).

FirstCU Online Account Access www.firstcu.com

Account InformationMembership Account: To participate in member services, a minimum $5 share savings account balance must be maintained for membership. You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.Relationship Account: A $5.00 monthly fee is assessed on accounts that have been opened more than 6 months with a balance lower than $250 and no other relationships such as checking, loan, e-statements, or direct deposit on this account.Dormant/Inactive Account: A $5.00 monthly dormant fee is assessed on accounts that have had no activity other than dividends for two years. These accounts are transferred to the State of Ohio after five years of inactivity.Charges: Usage charges apply to some services and are subject to change. A current Fees and Charges Schedule is available upon request.Funds Availability: Some check deposits may not be available for immediate withdrawal. A disclosure of funds availability is available upon request.Cash Withdrawals: Member cash transactions are limited to $1,500 in currency and the balance in a credit union check.

Patriot ActThe purpose of the USA Patriot Act is to help protect you, your family and our country from terrorism by providing appropriate tools to intercept and obstruct terrorist acts. In compliance, the credit union verifies the identity of members and those doing business with us. These documents are required for all new accounts, for existing members who are adding an account, when adding a signatory to an account, when executing loan documents, and when doing business with us. We thank you for your understanding as we work to support these efforts to maintain the security of our country.

© The material in this publication is copyrighted by First Service Federal Credit Union. All rights reserved. Material may not be reproduced without written permission from First Service Federal Credit Union. PLUS

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS #412995

®

More Mobile Conveniences for MembersFirst Service is giving our members new ways to stay connected to their money!

Your mobile journey begins with enrollment in FirstCU Online at www.firstcu.com. FirstCU Online allows you to enjoy anytime access to your accounts. With FirstCU Online, you’ll have the ability to view account activity, transfer funds, check balances, and more. Once you’re signed up for FirstCU Online Account Access, you can take advantage of e-Statements, BillPayer, e-Alerts, and the First Service FCU Mobile app – all for FREE!

Your credit union is pleased to announce that we have added two new services for your convenience – Mobile Check Deposit and Apple Pay™.

Mobile Check Deposit allows you to take a picture of a check to make deposits to your First Service account using your iPhone, iPad or Android device. Save a trip to the credit union by depositing your checks with your smartphone or tablet by using our free First Service FCU Mobile App with Mobile Check Deposit. Mobile Check Deposit is offered by First Service with no service charge!*

If you are interested in signing up for Mobile Check Deposit, call 614-836-0100 for more information.

Apple Pay™ is now available for First Service Debit Card users! Apple Pay will work in restaurants, popular retailers, and wherever you see the Apple Pay™ symbol.

Apple Pay™ has enhanced security features that aim to make payments more secure than traditional payment methods.

Use Apple Pay with your iPhone 6 or Apple Watch: • Pay with a single touch of your finger using Touch ID • No debit card number or personal information is shared with the merchant • Your transaction information isn’t stored by Apple

*If an item you transmit for deposit is dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of the return to the account the check was originally deposited to; and you may be assessed a returned deposit item fee.

FirstCU Online, Mobile Banking, FirstConnect, BillPay, CheckCards and our ATMs will be available.

Holiday ClosingMemorial Day

Monday, May 30th

Do merchant data breaches have you worried?Download the free MobiMoney app to control and protect your First Service debit card from fraud. MobiMoney is the only app that gives you control of your debit card. With MobiMoney, you are alerted to potential fraud and empowered to decide when, where, and how your card is used – all from your mobile phone. MobiMoney is available for download in either the Apple App Store or Google Play.