JANUARY 2017 A QUARTERLY PUBLICATION BROUGHT TO YOU FROM TENNESSEE MEMBERS 1STwww.MyMembersFirst.org

GO AHEAD, CLICK THE TIRESTHE FAST AND EASY WAY TO RESEARCH AND SHOP ONLINE FOR THE PERFECT CAR.Shopping for a car should be simple. And with TN Members 1st online car-buying resource center, we make finding your next vehicle as easy and fast as possible. Rather than visiting multiple dealers just to see what’s available, you can now research and compare cars from your computer or device, saving time and stress. Our auto-shopping website lets you search thousands of new, used and certified pre-owned vehicles from multiple dealers. Looking for something specific? Find cars that fit your style and budget. After you choose your favorites, connect with a local dealer and take a test drive!

Find the car, truck, SUV or motorcycle that’s right for youYou need a car that matches your lifestyle. Whether you’re purchasing for the first time, have a family, or need a truck built for an adventure, you’ll find it on our auto-buying website. Customize your search with our smart filters. Can’t make up your mind? We’ll help with that, too. That’s right, you can virtually build your own car. Just choose your favorite features and assemble your ideal ride. We’ll compare it to available inventory, and help you narrow down the search.

Browse inventories onlineOur car-buying resource lets you instantly connect to a large selection of inventory online. You don’t have to wait for the perfect moment in your schedule to shop. It’s all at your fingertips; just use your desktop, tablet or phone to find your next car. Whether you’re on your couch or out on the town, you can search whenever it’s convenient for you. It’s car-shopping on your terms.

Get an estimate on your trade-inIf you plan to trade in your vehicle, use our online resource to check its trade-in value. You can make a more realistic budget, and get the most out of your money. Just enter basic information about your car, and the website will provide you with an approximate trade-in value. It’s an easy way to save on your purchase, and best of all, you’ll know how much your car is worth before you ever meet the dealer.

Apply for a credit union loanThe next step in the car-buying process is crucial to saving money. Once you’ve done the research and found your perfect car, make sure you get pre-approved for an auto loan from TN Members 1st. Save on the cost of your vehicle and get affordable monthly payments with our exclusive, low rates. With your pre-approved loan, you’ll arrive at the dealership feeling confident and prepared. But don’t forget to tell the dealer that you are a TN Members 1st FCU member. Pre-approval only takes a few minutes. Apply in person or online before you start shopping.

Ready to buy your next vehicle? Make sure you check out our online car-buying resource center. We’ll make finding your dream car fast and easy. Visit mymembersfirst.cudlautosmart.com today.

ASSETS:

SHARES:

LOANS:

MEMBERS:

$82,432,445

$72,614,338

$30,231,870

4,776

VITALSTATISTICS:

70TH ANNUAL MEETING

LOVE YOUR SAVINGS

BANZAI PROGRAM

INSIDE

HOLIDAYS

JANUARY 2NDHappy New Year!

JANUARY 16THMartin Luther King Day

FEBRUARY 20THPresident’s Day

The credit union offices will be closed in observance of the following holidays:

As of November 30, 2016

Main OfficeP.O. Box 6828112 Administration RoadOak Ridge, TN 37831p: 865.482.4343f: 865.482.2617

Knoxville Office112 Marketplace Blvd. Knoxville, TN 37922p: 865.539.4344f: 865.539.4143

Toll Free Phone800.206.6944

Audio Response teller(ART)Local: 865.813.4350Toll Free: 866.332.6009

www.MyMembersFirst.org available 24/7

Main LobbyMonday, Tuesday, Thursday8:30 am - 5:00 pmWednesday9:00 am - 5:00 pmFriday8:30 am - 5:30 pm

Drive ThruMonday - Thursday8:00 am - 5:00 pmFriday8:00 am - 5:30 pmSaturday9:00 am - 12:30 pm

Knoxville OfficeMon, Tues, Thurs8:30 am - 5:00 pmWednesday9:00 am - 5:00 pmFriday9:00 am - 5:30 pmSaturdayClosed

Board of Directors Don Quinley, Chair Wayne Missaggia, V. Chair Gary Beckner, Treas/Secretary Rick Collier, Director Jamell Fulcher, Director Barry Allen, DirectorMichael Prince, Director

Supervisory CommitteeJackie Penland, ChairPete JohnsonJeremy Bivins

Investment Committee Jeremy Bivins, Chair Rick CollierRick Mikels

ALM CommitteeRick Collier, Chair Jeremy BivinsRick Mikels

President/CEORick Mikels

Your saving federally insured to $250,000

Save the Date for our 70th Annual Meeting

March 23, 2017Our 70th Annual Meeting will be held on Thursday, March 23rd in Oak Ridge. Stay tuned for more details. This year we will be electing two members to the Board of Directors. Any member in good standing is eligible to run for a place on the Board. Simply submit a brief bio no later than February 17, 2017 in care of: Nominating Committee, Tennessee Members 1st FCU, PO Box 6828, Oak Ridge, TN 37831. Biographies may also be dropped off at either location. Nominations may also be made by petition signed by 1% of members in good standing and must be received by February 3, 2017. Election will not be conducted by ballot and there will be no nominations from the floor when the number of nominees equals the number of positions to be filled.

TN MEMBERS 1ST MEMBERS GET EXCLUSIVE DISCOUNTS FROM LOVE MY CREDIT UNION REWARDSEveryone loves to save, especially on products and services you use every day. That's what Love My Credit Union Rewards is all about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners:

♥ $100 cash back with every new line activated with Sprint – no limits! Current customers will receive $50 for every line transferred, no limits. Plus, a $50 loyalty reward every year for every line.

♥ Save up to $15 on TurboTax federal products!

♥ Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system.

♥ Get trusted protection at true savings with TruStage Auto & Home Insurance Program.

♥ Shop and get cash back at over 1,500 online retailers with Love to Shop

To find out more and learn about other valuable discounts, visit LoveMyCreditUnion.

To find out more and learn about other valuable discounts, visit LoveMyCreditUnion.org. You get all these offers and discounts just for being a member of Tennessee Members 1st FCU.

BANZAI PROGRAMTennessee Members 1st FCU is a proud sponsor for the Banzai Online Financial Literacy Program in our area schools. We look forward to continuing to offer classroom support for area educators, as well as build relationships with other interested schools in the our area. If you are a teacher and would like more information, simply visit: tnmembersfirst.teachbanzai.com to review the Banzai program and enroll for sponsorship!

Today’s low fixed rates make purchasing your dream

home a reality.

ANNUALMEETINGMARCH 23RD70

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