QUARTERLY FALL ISSUE 2019

JOPLIN METRO CREDIT UNION

Need some “extra jingle” in your pocket?

Skip - A - Payment or Two! CHOOSE 1 OR 2 CONSECUTIVE MONTHS TO SKIP November and December 2019 or December 2019 and January 2020

Treat yourself and family to a more joyful and stress-free holiday season.

With the Skip-A-Pay program, you can apply to defer your loan payment (s) and enjoy the holidays with a little extra jingle in your wallet!

A $25 fee per loan/per month skipped is required and your loans must be current. Skip-A-Pay does not apply to Home Equity, First Mortgage Loans, Share Certificate Secured Loan or Overdraft Line of Credit loans, VISA credit cards, Quick Loans nor does it apply to first payment on your loan. All new or refinanced

loans must have paid three (3) consecutive months of payments to be eligible.

All loans must be current to quality.

Attention Members

CHRISTMAS CLUB ACCOUNTS

Christmas Club Accounts will be deposited into your Savings Account

on or before October 15, 2019.

You may call before that date and request the money to be transferred

to your savings or checking account.

THE EASIEST WAY TO SAVE FOR THE HOLIDAYS

WE HAVE A HOLIDAY LOAN JUST FOR YOU!

PICK FROM THREE HOLIDAY AMOUNTS

$500.00 2.25% APR* 6 MONTHS

$1,000.00 3.25% APR* 12 MONTHS

$1,500.00 4.25% APR* 18 MONTHS

*All offers of credit are subject to credit approval, not all applicants will be approved. Cannot

be combined with, or used to pay off other credit union loans. Must be new money to JMCU.

Loan amounts up to $$1,500.00. Terms up to 18 months. Minimum loan amount $500.00. No

additional rate discounts will be available for this loan promotion. Promotion currently available

from October 1, 2019 to December 20, 2019. Promotion can be suspended at any time

without notice. Other restrictions may apply. *APR=Annual Percentage Rate

GET YOURS TODAY!

Page 2 Quarter ly FALL Issue 2019

CONGRATULATIONS TO KIM HARTJE ON WINNING THE FREE STORM SHELTER DRAWING!

On May 22, 2011 with winds in excess of 200 miles per hour, on the ground for 22.1 miles and lasting an estimated 38 minutes from start to finish, our city of Joplin Missouri was devastated by an E-F 5 tornado. Over 160 lives were lost

that day and thousands were injured.

The memory of our loss was a deciding factor in President/CEO Christi Morehouse’s decision to give back to the com-munity when Carl Junction, MO was hit with an E-F3 tornado on the eighth anniversary , May 22 2019, of Joplin’s

tornado.

“I was on vacation In Mississippi when the Carl Junction tornado occurred, being away from family and friends and

having no idea if this was going to be a repeat of 2011 was heart wrenching.

I think after 2011 several people did get a storm shelter, many others may not have because of cost. And when things have been calm for a few years you may not think of investing in a storm shelter. Then it does happen again and on the anniversary of the Joplin tornado!. Even though the destruction wasn’t of the same magnitude as Joplin experi-

enced, still people suffered a great loss to their homes and personal belongings.

I called my management team and told them to run a storm shelter promotion and once I got home from Mississippi I started thinking how our community always comes together and provides help, be it volunteering for clean up, donat-ing supplies and food. At Joplin Metro Credit Union we are always looking to help where needed and I felt that the need for food and supplies was already being met by so many. That’s when the idea of giving away a storm shelter began to form. I went to my Board of Directors, got their approval, talked with Atlas Safe Rooms and everything kind of fell into

place.

So many times we are donating money, or buying things that are possibly already being given by so many others and I wanted JMCU to provide something that would keep a

family safe should this happen again.”

Although we are an employee based credit union and have been since 1950 JMCU felt like it was important to open the drawing to everyone in the community within a 50 mile radius of Joplin, Mo. We had over 350 entries in a month’s time and were very excited for

the live Facebook drawing that we did on August 1, 2019.

Even more excited was our winner Kim Hartje!

We will be Celebrating 70 Years in 2020 at our Annual Meeting!

If you have never been to one of our annual meetings plan to attend this special milestone with our credit union!

Watch for more details!

During the month of August our employees paid to dress down to raise money for the Joplin Humane

Society.

We were able to raise $560 and with that money we sponsored adoption fees for 6 dogs and 2 cats.

Page 3 Quarter ly FALL Issue 2019

The best time to start thinking ahead for the next holiday season is NOW! Get ahead of the holiday hustle and bustle next year by opening a Christmas Club Account with us today. It may

seem like an old fashioned savings plan but it works!

You can direct deposit a portion of your paycheck each pay period into your account to build your savings during the year. Our Christmas Club account has no required minimum deposits, it earns interest quarterly and your balance is

transferred to your regular savings in mid-October.

$ 10 a week = $40 a month x 12 months = $480

$ 25 bi-weekly = $50 a month x 12 months = $600

$ 50 bi-weekly = $100 a month x 12 months = $1200

Let us help you enjoy a stress free holiday. Stop by either location

and start your Christmas Club account today!

CHRISTMAS CLUB ACCOUNTS!

Helping Member Families During The Holiday Season

Every year we try to help as many of our member families as possible during the holiday season.

If you know of a member family in need of a little help during the Thanksgiving and/or Christmas holidays, please contact our main office at 417-623-9816 or our branch office at 417-627-1000. If it’s for the Christ-

mas list please give their name, address and if there are children in the family along with their ages.

You may also email Karen at karenj@joplinmcu.com with the information.

TREAT BAGS FOR KIDS! Bring your kids by either office on Thursday, October 31st, and they will receive a treat bag full of goodies! We will also be having our annual Halloween Costume Contest for our employees that day so stop by and see their costumes!

BREAST CANCER AWARENESS DURING OCTOBER

During the month of October both offices will be selling bracelets for $1.00 and jar openers for $2.00 to raise money

for Breast Cancer Awareness. Employee’s can also pay to dress down during the month.

CELEBRATING YOU ON INTERNATIONAL CREDIT UNION DAY!

On Thursday, October 17, 2019 we want to thank you for being a part of our credit union family.

Stop by either office that day and enjoy cookies in our lobby.

We will also be handing out International Credit Union pens to the first 200 members at each office.

Don’t Forget To Fall Back!

DAYLIGHT SAVINGS TIME IS SUNDAY NOVEMBER 3RD!

LOCATIONS MAIN OFFICE

3301 Texas Avenue Joplin, MO 64804 Phone: 417-623-9816 Fax: 417-627-1004 BRANCH OFFICE

716 Pearl Avenue Joplin, MO 64801 Phone: 417-627-1000 Fax: 417-781-8755 LOBBY HOURS

Monday, Tuesday, Thursday, Friday 9:00 am - 5:30 pm Wednesday 10:00 am - 5:30 pm ****************** DRIVE—THRU HOURS* Monday, Tuesday, Thursday, Friday 8:00 am - 5:30 pm Wednesday 10:00 am - 5:30 pm

Saturday 9:00 am - NOON *These hours apply to both locations

ATM NIGHT DEPOSITORY ONSITE AT BOTH LOCATIONS

Quarter ly FALL Issue 2019

HOLIDAY CLOSINGS

Monday—October 14th—Columbus Day

Monday –November 11th– Veterans Day

Thanksgiving Day November 28th

Tuesday—Christmas Eve—Close at 1:00

Christmas Day

Tuesday—New Years Eve– Close at 3:00

APPRECIATING AND RESPECTING OUR MILITARY This will be out third year of making a slide show and we encourage our members to please fill out the form below and return to our office on or before October 18, 2019 so that we may

include you this year in our appreciation of you and your service to our country.

HONORING OUR MILITARY 2019

RANK ______________________ NAME _____________________________

SERVING OUT OF (BASE) ____________________________________________

BRANCH __________________________________________________________

Select One: Currently Serving _______ Veteran _________

PHONE: ________________________

SIGNATURE: _________________________________________

Please return your form along with a copy of your photograph (original photos

will not be accepted) by October 18, 2019 Or email karenj@joplinmcu.com

TEACHING YOUR CHILDREN TO SAVE Six Ways To Teach Your Kids About Saving Money

Excerpt from Windgate Wealth Management

Start with a piggy bank A piggy bank can be a great way to teach your kids the importance of saving from

a young age, while giving them an easy way to do it. Tell your kids that the goal is to fill up the piggy bank

with dollars and coins, until there is no room.

Open up a bank account Once the piggy bank is full, take your child to the bank or credit union to open a

savings account for them. Here at JMCU we offer a Little Savers account for ages 0-14 with a minimum

deposit of $10 membership share which has to stay in the account at all times. We also have a FYI—

Future Young Investors account for ages 15 to 17. A minimum deposit of $25 membership share is re-

quired. Checking accounts/debit cards/ATM cards are available for this age group upon approval.

Use savings jars –When your kids really want the latest and greatest toy, let them know they have to save

up for it. Give them a jar for each of their desired purchases and offer them a small allowance each week

in a denomination that encourages savings. For example, if you give your child five dollars a week, give it

to them in one dollar bills. They can save all their cash for one purchase, or they can contribute to differ-

ent “jars” for various savings goals. To encourage saving up for the short term goals, put a picture of their

desired toy or item on the jar.

Create a timeline - As a kid, the concepts of money can be hard to grasp. One way to create money les-

sons ongoing is to create a timeline so that your child can visualize when they will reach their goal.

Lead by example - Children learn by example, so the best way to teach your child about saving money is

to save money yourself. Have your own jar of money that you put funds in regularly.

Start a conversation - One of the most important things you can do is start a conversation about money

and the importance of saving. Let your children know they can have an allowance, but it’s up to them to

save up for things they really want.

Teaching kids how to save money may seem like a tough task. It has even been said that parents are

more likely to talk to their children about sex than about money. But using these tips, you can make your

child’s understanding of money fun and accessible. It’s an investment in knowledge which truly pays the

best interest.

Have a very Merry Christmas & A Happy New Year!