NextDoorQUARTERLY NEWSLETTER

President’s ColumnIt’s the start of a new year, and after all the holiday trimmings are put away, the bills start arriving. At Neighbors Credit Union, we know how important it is to stay on top of your finances and get those holiday bills under control.

It’s simple to track your Visa®, loan and account balances and make payments on the go with our Neighbors Credit Union Mobile App and Mobile Banking suite. In addition, our Mobile Wallet allows you to securely store all your credit and debit cards on your mobile device for simple scanning at most merchants. With a few quick swipes or clicks, you can have all your accounts at your fingertips.

While we can’t make the bills go away, we can help simplify your life by getting all your high-interest card balances into one easy monthly payment. For our Neighbors Visa Platinum Breeze or Rewards Credit Cardholders, we are pleased to offer a Balance Transfer promotion with no initial balance transfer fee, and then only 2.99% APR on any additional balance transfers for 12 months.1 So, consolidate those holiday bills and contact us today to transfer your balances.

Thank you for your continued membership at Neighbors Credit Union. We enjoy serving you and look forward to

helping you in 2020!

Winter 2020

John Servos

President & CEO

Let Neighbors get your 2020

started on the right footThe parties are over, the presents are unwrapped, and the post-holiday bills have started to arrive. Let Neighbors Credit Union minimize that stress with a Home Equity Line of Credit (HELOC). Using the equity in your home can help to pay off holiday spending and consolidate all those bills into one monthly payment. That is sure to take some of the worry out of your January.

In addition to introductory rates as low as 1.99% APR2 for the first twelve months and no closing costs,3 you’ll enjoy:

The flexibility to borrow funds when needed

No appraisal or balance transfer fees

No sudden jumps in monthly payments

Pre-approval and fast turnaround time

Apply for your HELOC today at NeighborsCU.org!

2APR=Annual Percentage Rate. Rates are variable and accurate as of 01/20/2020. Introductory rate is applicable for first year of loan. Rate is subject to change and credit qualifications. No additional discounts. Had there not been a rate discount, the applicable rate would have been 4.75% APR. APR adjusts annually during the life of the loan based on the Prime Rate published in The Wall Street Journal, plus a margin based on creditworthiness. Maximum APR is 15.0%. 3If loan is paid off and closed within 24 months from opening of loan, member must reimburse the credit union for fees paid. Not valid for existing Neighbors HELOCs. Other rates and terms available. Cannot be combined with any other offers. Member eligibility required. Restrictions apply. See Neighbors Credit Union for full details.

Get Paid when you Save Want to get paid to save? Neighbors Credit Union is offering a Save to Win®

Certificate of Deposit which awards you prizes just for saving money. By opening a twelve month Save to Win® CD, you take your first step towards a chance to win up to five thousand dollars! You only need $25 to open one, and for each additional deposit you earn more entries to win monthly and quarterly prizes. Visit NeighborsCU.org for complete contest details and rules. Restrictions apply. Visit NeighborsCU.org for full contest details, rules and how to apply.

1APR=Annual Percentage Rate Not valid on balance transfers between Neighbors Credit Union credit cards. Valid on balance transfers or cash advances between 01/01/2020 – 02/29/2020. After 12 months, remaining balances will migrate to the standard APR applicable on your account. If you are charged interest, the charge will be no less than $1.00. Visa Platinum Breeze rates as low as 9.95% to 19.95%. Visa Platinum Rewards rates as low as 11.45% to 20.99% when you open your account, based on creditworthiness. Rates and terms are subject to change and credit qualifications, as well as other factors. Contact

credit union for complete details. Membership eligibility required. Restrictions apply. Contact Neighbors Credit Union or visit NeighborsCU.org for details.

Neighbors Investment Services Welcomes

New Financial Advisor Kevin PoeAfter a careful and extensive search, we are pleased to welcome Kevin Poe as our Financial Advisor for Neighbors Investment Services.

Kevin has over 25 years’ experience as a Financial Advisor, Sales Manager and Long-Term Care Insurance Specialist. He brings with him a passion for helping clients plan for their Investment and Insurance needs. A lifelong resident of St. Louis, Kevin understands each member is unique and is committed to tailoring a plan to meet your specific needs.

What are your financial goals and dreams? Let us help you visualize your future–whether it is traveling, spoiling the grandkids, or just retiring comfortably, we can help you with a plan.

To learn more about Kevin and discover what he can do for you, please contact him directly at 314-329-9804 or email at Invest@Neighborsinvestments.com and make an appointment today! You can also visit NeighborsCU.org for more information, helpful articles and calculators.Neighbors Investment Services is a division of Neighbors Credit Union (NCU). Securities are: not insured by the NCUA; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested. Securities, Insurance, and Investment Advisory Services are offered through Midwestern Securities Trading Company, LLC (MSTC). Member FINRA/SIPC. MSTC and NCU are not affiliated.

Announcing the 2020 Neighbors

Credit Union ScholarshipNeighbors Credit Union knows the value of a dollar, but we also know the value of an education. That’s why we are offering to help pay for school by giving away four scholarships to our college-bound members. The excitement of attending college shouldn’t be ruined by the price of tuition. At Neighbors, we want to see our members succeed! To be eligible for this contest you must4:

Be a member of Neighbors Credit

Union Be age 19 or younger Fill out the application form Submit the assigned essay Have been accepted into college and will attend in the

fall of 2020

Visit NeighorsCU.org/home/club/teen for more information and to download the scholarship application. You can drop off the completed application to any of our ten branches, or mail to:

Neighbors Credit Union

Attn: Marketing

6300 South Lindbergh Blvd.

St. Louis, MO 631234 NO PURCHASE NECESSARY TO ENTER OR WIN. Open to members between ages 13 and 19 years old who are legal U.S. residents and will be a college student during the autumn of 2020. Void where prohibited. An eligible participant is automatically entered into the contest when he or she sends in a valid entry during the application phase. Odds of winning depend on number of entries received. Membership eligibility required. Restrictions apply. Visit NeighborsCU.org for full details.

Turn Tax Season into Saving

SeasonLove My Credit Union Rewards has partnered with TurboTax to offer credit union members great savings on TurboTax products. Tax season is starting soon, so we want you to be prepared with the most up to date Turbo Tax software.

Save up to $15 on TurboTax federal products, and they make it easy to transfer last year’s tax info, saving you time and maximizing your refund. In addition, Turbo Tax can help you5:

Get homeowner tax breaks (Schedule A) Make the most out of charitable donations Jumpstart your return with last year’s

TurboTax info or import a PDF of your return from another tax software

Access One-on-one help for answers, on demand from a TurboTax specialist

In addition to your credit score, see where you truly stand financially with TurboSM

Visit rewards.lovemycreditunion.org/offers/turbotax for full offer details

5 See TurboTax product guarantees: http://turbotax.intuit.com/lp/yoy/guarantees.jsp © 2014-2017 Intuit Inc. All rights reserved. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

Budget for next holiday with a Christmas Club AccountDid the holidays end up costing more than you expected? Avoid the stress and budget for holiday spending by opening up a Neighbors Credit Union Christmas Club Savings Account. You can auto-deposit the funds, from $5.00 and up. Plus, the balance will be transferred to your checking or savings account in October in plenty of time for holiday shopping.

Visit NeighborsCU.org or stop into any Neighbors Credit Union branch to open a Christmas Club account today!

Banking at the Swipe of a ScreenTake all of your accounts wherever you go with our free Mobile Banking, Text Banking and Neighbors Credit Union Apps. You will have the freedom to instantly check balances, monitor account activity, immediately transfer funds and so much more.

Also, did you know that you can use your Neighbors Credit Union Visa® Platinum Credit and Debit Cards with Android Pay™, Apple Pay and Samsung Pay almost anywhere the cards are accepted? By adding your Neighbors credit and debit cards to your device’s Mobile Wallet, you will get all the benefits of your cards’ purchase power right on your device of choice.

Take advantage of the Neighbors App and Mobile Wallet today and visit NeighborsCU.org for specific device download instructions.

Neighbors Mortgage Services

Member Testimonial The Fannon family had this to say about their recent 5-star experience with Neighbors Mortgage:

“Everything is good! The whole process

was very smooth and easy.

Very friendly employees and loan officers!”

In addition, they would gladly recommend their Neighbors Mortgage Loan Officer, Dan Wall, to a friend.

Congratulations to everyone on the Neighbors Mortgage team for delivering such excellent customer service!

Pinless Debit Transaction

DisclosureYour Visa debit card allows you to conduct transactions on the CO-OP, INTERLINK, NYCE or PLUS networks. Some merchants are authorized to accept non-Visa debit transactions without requiring you to enter your PIN. If you choose to sign to authorize a debit transaction, the transaction will be routed as a Visa transaction. Provisions of your cardholder agreement that specifically relate to Visa transactions are inapplicable to non-Visa transactions. For instance, a non-Visa debit transaction will not provide Visa’s Zero Liability Protection benefit.For details, call (314) 892-5400 or visit NeighborsCU.org.

314-892-5400 NeighborsCU.org

Downtown ▪ Ellisville ▪ Fenton ▪ Florissant ▪ HazelwoodJennings ▪ Manchester ▪ South County ▪ St. Peters

Neighbors Credit Union6300 South Lindbergh Blvd.St. Louis, MO 63123-7804

PRSRT STDU.S. POSTAGE

PAIDST. LOUIS, MO

PERMIT NO. 175

Winter 2020

If you have any questions or comments regarding the credit union, or if you’d like to apply to be on Neighbors Credit Union’s Board of Directors, please address your letter to the following:

Supervisory Committee, P.O. Box 270551, St. Louis, MO 63127-9804

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Neighbors can Balance your financial life

Neighbors Credit Union has partnered with BALANCE, a financial education and counseling service in the areas of money management, debt control, Credit Report reviews and more.

BALANCE includes tools like Balance Track, that helps you navigate major purchases of a vehicle or a home, Early Delinquency Intervention to avoid missing a mortgage payment, and the MyBalance suite that assists with creating a budget, tracking expenses and controlling personal finances.

It even has an Identity Theft Toolkit with tips on how to help keep your information safer and guides to help recover from Identity Theft should it ever happen to you, along with a Student Loan section to help navigate the process both before and after college.

At Neighbors we want to help make your life a little easier. Visit NeighborsCU.org for more information, resources and links to helpful programs.