314-892-5400 NeighborsCU.org

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

PRSRT STDU.S. POSTAGE

PAIDST. LOUIS, MO

PERMIT NO. 175

Winter 2019

NextDoorQUARTERLY NEWSLETTERWinter 2019

President’s ColumnAt Neighbors, we enjoy helping members of all ages reach their goals and attain success in their financial lives. By providing exceptional service, offering a wide-range of products and employing cutting-edge technology, we are prepared for the evolving needs of our younger members.

We offer an array of options for when the teenagers in your life are getting ready to buy their first cars. With a variety of terms, competitive rates and automatic payments, we look forward to making their first-time buying experience a positive one. Plus, we even offer discounts for first-time auto buyers!

Maybe they just started their first jobs. Neighbors can establish a checking account, either in person or online, set up direct deposit, provide them with debit cards and get them connected via our online banking, mobile apps and money management budgeting tools.

Perhaps they are looking ahead to bigger purchases, like a home, or establishing credit. Neighbors is eager to educate them with seminars, our Balance Financial Fitness program and savings plans to make sure when the time comes, they will have the resources and knowledge to take the next step in life. We also have a first-time home buyers program and secured credit cards.

In 2019 and beyond, Neighbors looks forward to helping meet your financial goals. We are here to help you – along with your friends and family – have a prosperous new year.

John ServosPresident & CEO

Spend Too Much on the Holidays?Transfer Balances to a low-rate Visa Platinum credit card from NeighborsHas the aftermath of the holidays left you overwhelmed? Avoid the stress and transfer existing credit card balances to a lower rate thanks to your Neighbors. With our Visa® Platinum Breeze or Visa Platinum Rewards credit cards, all new cardholders will enjoy low rates and no balance transfer fees for the first thirty days.1

Don’t have one of our credit cards? Our Visa Platinum Breeze credit card has one of the lowest rates around! If you prefer earning rewards, our Visa Platinum Rewards credit card features great gift card, travel and merchandise rewards. You’ll earn one point for every dollar you spend, so the points can really add up.

Regardless of which card you choose, you’ll enjoy:

■ No balance transfer fee for 30 days.1

■ No annual or monthly fees.■ The option to add a personal photo on your card.2

■ And more!

Transfer your balances today! Contact us or visit NeighborsCU.org to apply.1No-balance-transfer-fee offer valid for new cardholders only. Not valid on balance transfers between Neighbors Credit Union credit cards. Rates and terms are subject to change and credit qualifications, as well as other factors. If you are charged interest, the charge will be no less than $1.00. 2Photo cards have a $9.95 production fee.

Membership eligibility required on all offers. Restrictions apply on all offers. See Neighbors Credit Union for full details on all offers.

Camp Cash Holiday Basket WinnersDuring the month of December, for every $10 Camp Cash members deposited, they received an entry to win one of

our holiday baskets, including a giant teddy bear!

Congratulations to all the winners:

Grace P.Koryn H. Lilly B.

Brooke R. Cortez B.

Erin S.

Lyric S. Nicholas Z. Patrick H.

Tell A Friend About Us!Since you enjoy all the benefits of Neighbors Credit Union membership – great rates, low or no fees and convenient services – why not spread the word? Tell everyone about us and send them our way!

We’ll thank you and your referral with $25 when you share the benefits of membership!10

Visit NeighborsCU.org for details and referral forms!

10Membership eligibility required. Restrictions apply. New member must present flyer and open a new checking account with direct deposit and eStatements and/or a loan or credit card with at least a $5,000 balance within 90 days. Cash bonus will be paid within 90 days of loan closing and/or checking account opening with direct deposit and eStatements. Direct deposit and eStatements must be active within 90 days from time of checking account opening and is subject to 1099 reporting. Offer valid for a limited time only. Restrictions apply. Contact credit union for full details.

Interested in joining the Camp Cash Club?Call Brian at 314-892-5400 ext. 12024,

or visit any branch to sign up.

Check online for CD specials!NeighborsCU.org

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

Check Out Benefits CheckingOur Benefits Checking is a special checking account that features many unique advantages, earns interest, and has no minimum balance requirements or per-check fees for just $5 a month. Take advantage of the special services:

■ IDProtect® – identity theft monitoring and resolution service3

■ Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance4

■ Up to $100,000 of Common Carrier Coverage5

■ Cellular Telephone Protection (Cellular telephone bill must be paid through this Benefits Checking account.)

■ Travel and Leisure Discount Membership■ Health Discount Savings – enjoy savings on vision, prescriptions (This is NOT insurance.)■ $hopping Rewards™

■ Cash Back Member Rewards5

■ Gas and Gift Card Discounts5

Visit one of our branches and open your Benefits Checking Account today! Have questions? Call 314-892-5400 or email us at info@NeighborsCU.org.3IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).

4Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at time of account opening.

5Terms and conditions apply.

Moving in 2019? Let Neighbors Find You the Perfect Home! With the various mortgage loan options we have available at Neighbors, we’re confident that there is one that will fit your needs and provide great benefits, including:

■ 100% financing on single family residence (no condos)7

■ Quick approval since the entire process—from application to closing—is handled at Neighbors, not outside underwriters■ 96% of members who closed with Neighbors had a great

experience in 2018

Have questions? Please contact our mortgage loan officers directly:

Gregg Merkel (MLO# 1490648)314-892-5400, ext. 11027GMerkel@NeighborsCU.org

Or, you may also visit us online at NeighborsCU.org. We look forward to working with you!7100% financing loan program is based on a maximum loan amount of $400,000 and a minimum loan amount of $100,000. Minimum 720 FICO score required. Owner-occupied one-unit single family residence only, No Condo’s or manufactured homes. Mortgage insurance required. Escrow account for insurance and taxes required. Loan origination and other fees may apply. Member must have direct deposit into Neighbors Credit Union Checking or Savings Account before closing. Subject to appraisal and underwriting terms and conditions. Other restrictions may apply. Mortgages available in Missouri or Illinois only. Contact credit union for full details. Neighbors Credit Union: NMLS #509288

Neighbors Members Get Exclusive Discounts with Love My Credit Union RewardsMaking the switch to Sprint? For a limited time, credit union members get $100 for every new line with Sprint. Plus $100 Annual Loyalty Cash and 25% off accessories.6

Already a Sprint customer? Enroll in Love My Credit Union Rewards and you can still earn $100 in Loyalty Cash and get 25% off accessories.6

6 Limited time offers. Activation Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Available for eligible credit union members & member employees with qualifying corp. id. (ongoing verification). $100 Cash Reward for new smartphone lines activation up to 15 lines. Requires activation at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrades., replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. No additional discounts apply. Loyalty Reward: $100/acct./yr. when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $100/acct./yr. deposit on their 12mo anniversary transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards & click on “Cash Rewards Tracker”. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2018 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners. **After 1/31/2020 pay $60/mo for line 1, $40/mo for line 2 and $20/mo/line for lines 3-5. with AutoPay. SD video streams up to 480p, music up to 500 kbps, gaming up to 2 Mbps. Data deprioritization during congestion. Other monthly charges apply.

Dan Wall (MLO# 226884)314-892-5400, ext. 17024DWall@NeighborsCU.org

Already Own Your Home? Look at a Home Equity Loan from NeighborsHome improvements…bill consolidation...your child’s education…your dream vacation…Neighbors Credit Union has the solution to fund all of life’s possibilities: a low-interest home equity line of credit.

At Neighbors, we build loans to fit the unique needs and lives of our members. Neighbors is also not for profit, which gives us the freedom to do what’s right for you.

In addition to introductory rates as low as 3.95% APR and no closing costs,8 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 home equity line of credit today at NeighborsCU.org!8APR=Annual Percentage Rate. Rates are variable and accurate as of 12/31/2018. Introductory rate is applicable for first year of loan. Rate is 0.25% higher without checking and direct deposit.Rate is subject to change and credit qualifications. No additional discounts. Had there not been a rate discount, the applicable rate would have been 5.50 %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%. If loan is paid off and closed within 24 months from opening of loan, member must reimburse the credit union for fees paid. Contact your tax advisor regarding tax deductibility. 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.

Announcing the 2019 My.Bux 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 My.Bux 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 must9:

■ 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 2019

Pinless Debit Transaction Disclosure Your 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.

Visit NeighborsCU.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 UnionAttn: Marketing, 6300 South Lindbergh Blvd.St. Louis, MO 63123Entries must be received by March 30, 2019.

9 NO PURCHASE NECESSARY TO ENTER OR WIN. Open to My.Bux teen club members (between ages 13 and 19 years old) who are legal U.S. residents and will be a college student during the autumn of 2019. Void where prohibited. An eligible participant is automatically entered in 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. See Neighbors Credit Union for full details.

Main Street $2,500 Trip Voucher WinnerAt the annual Main Street holiday party, Dennis Wisnewski was randomly drawn to win the annual $2,500 trip giveaway. Congratulations to Dennis and happy traveling!

Not a Main Street member? You need to be age 50 or older, have a checking account with direct deposit and have a combined deposit balance of at least $5,000 in Neighbors Credit Union accounts.

If you meet these qualifications and would like to join the club, contact Brian at 314-892-5400, ext. 12024 today.