$1.7 MILLION CASH BOOMERANG PAYOUT — CONGRATULATIONS!This year, Summit Cash Boomerang members earnedmore than $1.7 million! Amazing!

Cash Boomerang1 is a unique membership benefit fromSummit Credit Union. Along with any Summit checkingaccount, the more you save and borrow with Summit,the more cash you could get back in your CashBoomerang each November!

Want an even bigger Cash Boomerang this year?

The amount that comes back to you depends on theoverall financial success of Summit, and how much yousave and borrow at Summit. You can increase yourpotential payout simply by borrowing and savingwith Summit.

Do you have accounts at other financial institutions?

Bring them over to Summit. Not only will it increase thechance of you earning a Cash Boomerang, you can alsosave money.

Spread Summit love with family and friends!

Summit Credit Union is a cooperative, member-ownedfinancial institution. This means that you and every member get:

• Lower fees• Higher savings rates• Lower loan rates

So, not only will you be saving more of your ownmoney, you'll also be helping other members save, and increasing your chance of earning a CashBoomerang payout! It's your money. Own it! Let us help you find ways to make the most of it and enjoy it even more!1 No minimum balances are required to be eligible for the program. Any fees/charges applied to an account will reduce the account balance and result in less dividends earned. A checking account must be open as of 9/30 of year of payment to be eligible for the program. Only members in good standing at the date of the payout will receive as long as the Cash Boomerang computes to $10 or more, with a maximum of $1,000. Cash Boomerang is typical but not guaranteed. Cash Boomerang is a dividend and subject totax reporting.

SUMMIT WINS PHILANTHROPY AWARD

Summit was recentlypresented the2015OutstandingBusinessPhilanthropyAward by theGreater MadisonChapter of theAssociation ofFundraisingProfessions.

The award recognizes Summit’s leadership in creating positive changes andmaking differences in people’s lives.

We’re honored to be recognized for building strong andthriving communities through our commitment andinvestment in unique financial education programs like,Project Teen Money, FoolProof online learning, RedSHOES and branches in Memorial and La Follette HighSchools. And we’re especially excited that the recognitionstemmed from our partnership with the Boys and GirlsClub of Dane County where we created and continue tosupport STAR (Saving To Achieve Results) Credit Union,the only youth chartered credit union in the world. There, kids learn about and save money, and are involvedin running their own credit union. STAR Credit Union celebrated 10 years in 2015.

Special thanks to the Boys and Girls Club of DaneCounty for their support of STAR and for nominatingSummit for this award.

I FOUND A LOWER RATE!

Kick YOUR DEBT Keep YOUR DOLLARS Hello FUTURE

With Summit you get:

• Your choice between two cards:• Visa Platinum2

• Visa Platinum Rewards3 where you can earn pointsfor your choice of cash back, travel, brand namemerchandise and more!

• No annual or balance transfer fees4

• Local service — you talk directly to us

Plus, a $50 cash back reward!5

1 APR is Annual Percentage Rate. The monthly periodic rate for our Visa programs for balance transfers is 0.0825% - 1.6583%, which is an APR of 0.99% - 19.9%. Introductory APR for balance transfers will end on March 15, 2017 for balance transfers made between January 4, 2016 until February 29, 2016. For qualifying members, the introductory APR on existing balances will increase to the non-discount rate on the first day of the billing cycle. The 0.99% balance transfer rate is for credit scores 651 and above. Actual rate is based on multiple criteria, including, but not limited to, credit-worthiness factors, current market conditions, and other factors that the credit union, in its discretion, believes are relevant in determining the appropriate APR. Current Summit loan and credit card balances are not eligible for the balance transfer promotion rate. Promotion ends February 29, 2016.

2 The regular monthly periodic rate for our Visa Platinum program for purchases, balance transfers and cash advances is 0.8250% - 1.4917%% which is an APR of 9.9% - 17.9%. Actual rate is based on multiple criteria, including, but not limited to, credit-worthiness factors, current market conditions, and other factors that the credit union, in its discretion, believes are relevant in determining the appropriate APR.

3 The regular monthly periodic rate for our Visa Platinum Rewards program for purchases, balance transfers and cash advances is 0.9917% - 1.6583%, which is an APR of 11.9% - 19.9%. Actual rate is based on multiple criteria, including, but not limited to, credit-worthiness factors, current market conditions, and other factors that the credit union, in its discretion, believes are relevant in determining the appropriate APR. Earn one point for every dollar purchased to earn Scorecard Rewards.

4 Visa Platinum and Visa Platinum Rewards transaction fees: cash advance fee: $3: foreign transaction fee: 1.00% of each multiple currency transaction in US dollars, 0.80% of each single currency transaction in US dollars.

5 Earn $50 cash back on purchases totaling $1000 or more through March 31, 2016. The cash back amount will be awarded to you no later than April 30, 2016. Cash back offer is for new credit card accounts only, opened from January 4, 2016 through February 29, 2016. The cash back amount is based on purchases (less returns) and does not include balance transfers or cash advances.

2 3it’s your money.it’s your money.

OWN it.OWN it.

Kim Sponem, CEO/President Summit Credit UnionMichael Johnson, President Boys and Girls Club Photo courtesy of Melissa Grace Photography

CASH BOOMERANG$1.7 MILLION

PAYO U T

$1.7 MILLIONCASH BOOMERANG PAYOUT =

3,314 BADGER FOOTBALL SEASON TICKETS68,000 ANNUAL STATE PARK STICKERS 283,808 LBS OF CHEESE CURDS (YUM)

SAVEMOREMONEYFOR THINGS THATMATTER

HEY CREDIT CARD

Thereafter2,3

0.99%APR 9.9%-13.9%APR

Intro Visa balance transferrate for 12 months1

Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency

NCUA Federally insured by NCUA

SPJan16v5.qxp_Layout 1 12/22/15 2:22 PM Page 1

$1.7 MILLION CASH BOOMERANG PAYOUT — CONGRATULATIONS!This year, Summit Cash Boomerang members earnedmore than $1.7 million! Amazing!

Cash Boomerang1 is a unique membership benefit fromSummit Credit Union. Along with any Summit checkingaccount, the more you save and borrow with Summit,the more cash you could get back in your CashBoomerang each November!

Want an even bigger Cash Boomerang this year?

The amount that comes back to you depends on theoverall financial success of Summit, and how much yousave and borrow at Summit. You can increase yourpotential payout simply by borrowing and savingwith Summit.

Do you have accounts at other financial institutions?

Bring them over to Summit. Not only will it increase thechance of you earning a Cash Boomerang, you can alsosave money.

Spread Summit love with family and friends!

Summit Credit Union is a cooperative, member-ownedfinancial institution. This means that you and every member get:

• Lower fees• Higher savings rates• Lower loan rates

So, not only will you be saving more of your ownmoney, you'll also be helping other members save, and increasing your chance of earning a CashBoomerang payout! It's your money. Own it! Let us help you find ways to make the most of it and enjoy it even more!1 No minimum balances are required to be eligible for the program. Any fees/charges applied to an account will reduce the account balance and result in less dividends earned. A checking account must be open as of 9/30 of year of payment to be eligible for the program. Only members in good standing at the date of the payout will receive as long as the Cash Boomerang computes to $10 or more, with a maximum of $1,000. Cash Boomerang is typical but not guaranteed. Cash Boomerang is a dividend and subject to tax reporting.

SUMMIT WINS PHILANTHROPY AWARD

Summit was recentlypresented the2015OutstandingBusinessPhilanthropyAward by theGreater MadisonChapter of theAssociation ofFundraisingProfessions.

The award recognizes Summit’s leadership in creating positive changes andmaking differences in people’s lives.

We’re honored to be recognized for building strong andthriving communities through our commitment andinvestment in unique financial education programs like,Project Teen Money, FoolProof online learning, RedSHOES and branches in Memorial and La Follette HighSchools. And we’re especially excited that the recognitionstemmed from our partnership with the Boys and GirlsClub of Dane County where we created and continue tosupport STAR (Saving To Achieve Results) Credit Union,the only youth chartered credit union in the world. There, kids learn about and save money, and are involvedin running their own credit union. STAR Credit Union celebrated 10 years in 2015.

Special thanks to the Boys and Girls Club of DaneCounty for their support of STAR and for nominatingSummit for this award.

I FOUND A LOWER RATE!

Kick YOUR DEBT Keep YOUR DOLLARS Hello FUTURE

With Summit you get:

• Your choice between two cards:• Visa Platinum2

• Visa Platinum Rewards3 where you can earn pointsfor your choice of cash back, travel, brand namemerchandise and more!

• No annual or balance transfer fees4

• Local service — you talk directly to us

Plus, a $50 cash back reward!5

1 APR is Annual Percentage Rate. The monthly periodic rate for our Visa programs for balance transfers is 0.0825% - 1.6583%, which is an APR of 0.99% - 19.9%. Introductory APR for balance transfers will end on March 15, 2017 for balance transfers made between January 4, 2016 until February 29, 2016. For qualifying members, the introductory APR on existing balances will increase to the non-discount rate on the first day of the billing cycle. The 0.99% balance transfer rate is for credit scores 651 and above. Actual rate is based on multiple criteria, including, but not limited to, credit-worthiness factors, current market conditions, and other factors that the credit union, in its discretion, believes are relevant in determining the appropriate APR. Current Summit loan and credit card balances are not eligible for the balance transfer promotion rate. Promotion ends February 29, 2016.

2 The regular monthly periodic rate for our Visa Platinum program for purchases, balance transfers and cash advances is 0.8250% - 1.4917%% which is an APR of 9.9% - 17.9%. Actual rate is based on multiple criteria, including, but not limited to, credit-worthiness factors, current market conditions, and other factors that the credit union, in its discretion, believes are relevant in determining the appropriate APR.

3 The regular monthly periodic rate for our Visa Platinum Rewards program for purchases, balance transfers and cash advances is 0.9917% - 1.6583%, which is an APR of 11.9% - 19.9%. Actual rate is based on multiple criteria, including, but not limited to, credit-worthiness factors, current market conditions, and other factors that the credit union, in its discretion, believes are relevant in determining the appropriate APR. Earn one point for every dollar purchased to earn Scorecard Rewards.

4 Visa Platinum and Visa Platinum Rewards transaction fees: cash advance fee: $3: foreign transaction fee: 1.00% of each multiple currency transaction in US dollars, 0.80% of each single currency transaction in US dollars.

5 Earn $50 cash back on purchases totaling $1000 or more through March 31, 2016. The cash back amount will be awarded to you no later than April 30, 2016. Cash back offer is for new credit card accounts only, opened from January 4, 2016 through February 29, 2016. The cash back amount is based on purchases (less returns) and does not include balance transfers or cash advances.

2 3it’s your money.it’s your money.

OWN it.OWN it.

Kim Sponem, CEO/President Summit Credit UnionMichael Johnson, President Boys and Girls Club Photo courtesy of Melissa Grace Photography

CASH BOOMERANG$1.7 MILLION

PAYO U T

$1.7 MILLION

CASH BOOMERANG PAYOUT =3,314 BADGER FOOTBALL SEASON TICKETS

68,000 ANNUAL STATE PARK STICKERS 283,808 LBS OF CHEESE CURDS (YUM)

SAVEMOREMONEYFOR THINGS THATMATTER

HEY CREDIT CARD

Thereafter2,3

0.99%APR 9.9%-13.9%APR

Intro Visa balance transferrate for 12 months1

Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency

NCUA Federally insured by NCUA

SPJan16v5.qxp_Layout 1 12/22/15 2:22 PM Page 1

Martin Luther King Jr. Day

January 18, 2016 — Allbranches will close early

Madison area, Janesville, LakeMills and Stoughton branchesclose at 1 pm.

Milwaukee area, Baraboo,Beaver Dam and Portagebranches close at 12 pm.

EARLY CLOSINGS SUMMITFEST 2016 BOARD OF DIRECTORS SCHOLARSHIP

Summit’s annual membershipmeeting and celebration (formerly MemberFest) will be on Sunday, May 22 atMallards Stadium, located inWarner Park in Madison. Save the date. We hope tosee you there!

Summit is pleased to continue our commitment to our community by offering (3) $1,500 continuing education scholarships to our membership. The scholarship isopen to high school seniors andcollege students. Applicationsare due February 28. VisitSummitCreditUnion.com forcomplete application details.

WHO WILL WIN $10,000?After seven months of working with their financial coaches, our four Project Money families have done an amazing job taking control of their finances.

Between wedding anniversaries, beginning new careerpaths and saving for their children’s college education,our participants lived out the excitement of their dailylives, all the while working hard to improve their financialwell-being and future. Catch up on their journeys atSummitCreditUnion.com while we prepare to announcethe winner this February!

Alane “I need to get a handle on where my money is going.”

Bogged down with student loan debt and the expenses that come

with raising a child, see how this singlemom developed a plan for her future while helping others along the way.

Becca and Joel“We want to stop living paycheck to paycheck and build our life together.”

After career changes and nearly adecade of school, see how this newly

married couple tackled their debts andworked together to blend their finances.

Carrie and Chris“Surviving recession job losses has significantly affected our relationshipwith money.”

After six years of financial instability, see how this family jumped off the

‘hamster wheel’ and onto a path toward success.

Sheba and Karim

“We’re ready to buy a home and have a baby.”

With big dreams — including buyingtheir first home and starting a family —

this couple knew they needed to start onsolid ground. See how they rolled up their

sleeves and started building a bright future together.

If you’re interested in being a part of the 2016 Project Money Challenge, send us an email at projectmoney@summitcreditunion.com.

BOARD ELECTIONSSummit is beginning the election process for its Board ofDirectors, and all incumbents are re-running for theirboard seat. If you are interested in running for election,please contact Teena Hernandez at 608-243-5000 x2883or teena.hernandez@summitcreditunion.com for nomination information. All requests for information mustbe submitted by Friday, January 15, 2016 and a writtenapplication must be returned by Friday, January 29, 2016.

1it’s your money.it’s your money.

OWN it.OWN it.

SPJan16v5.qxp_Layout 1 12/22/15 2:22 PM Page 2

Martin Luther King Jr. Day

January 18, 2016 — Allbranches will close early

Madison area, Janesville, LakeMills and Stoughton branchesclose at 1 pm.

Milwaukee area, Baraboo,Beaver Dam and Portagebranches close at 12 pm.

EARLY CLOSINGS SUMMITFEST 2016 BOARD OF DIRECTORS SCHOLARSHIP

Summit’s annual membershipmeeting and celebration (formerly MemberFest) will be on Sunday, May 22 atMallards Stadium, located inWarner Park in Madison. Save the date. We hope tosee you there!

Summit is pleased to continue our commitment to our community by offering (3) $1,500 continuing education scholarships to our membership. The scholarship isopen to high school seniors andcollege students. Applicationsare due February 28. VisitSummitCreditUnion.com forcomplete application details.

WHO WILL WIN $10,000?After seven months of working with their financial coaches, our four Project Money families have done an amazing job taking control of their finances.

Between wedding anniversaries, beginning new careerpaths and saving for their children’s college education,our participants lived out the excitement of their dailylives, all the while working hard to improve their financialwell-being and future. Catch up on their journeys atSummitCreditUnion.com while we prepare to announcethe winner this February!

Alane “I need to get a handle on where my money is going.”

Bogged down with student loan debt and the expenses that come

with raising a child, see how this singlemom developed a plan for her future while helping others along the way.

Becca and Joel“We want to stop living paycheck to paycheck and build our life together.”

After career changes and nearly adecade of school, see how this newly

married couple tackled their debts andworked together to blend their finances.

Carrie and Chris“Surviving recession job losses has significantly affected our relationshipwith money.”

After six years of financial instability, see how this family jumped off the

‘hamster wheel’ and onto a path toward success.

Sheba and Karim

“We’re ready to buy a home and have a baby.”

With big dreams — including buyingtheir first home and starting a family —

this couple knew they needed to start onsolid ground. See how they rolled up their

sleeves and started building a bright future together.

If you’re interested in being a part of the 2016 Project Money Challenge, send us an email at projectmoney@summitcreditunion.com.

BOARD ELECTIONSSummit is beginning the election process for its Board ofDirectors, and all incumbents are re-running for theirboard seat. If you are interested in running for election,please contact Teena Hernandez at 608-243-5000 x2883or teena.hernandez@summitcreditunion.com for nomination information. All requests for information mustbe submitted by Friday, January 15, 2016 and a writtenapplication must be returned by Friday, January 29, 2016.

1it’s your money.it’s your money.

OWN it.OWN it.

SPJan16v5.qxp_Layout 1 12/22/15 2:22 PM Page 2