Insights & Information to Power Your Financial Success

Fall - Winter ���� 2018

This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

Leave Your Worries Behind. No Closing Costs!

Membership Grows on Family Trees

It’s Fall Fix-Up time and we’ve got the funds you need! Powerco’s Home Equity Line of Credit features NO CLOSING COSTS — a savings of over $1,000.00!

Do you have ideas to freshen up your home for fall, fit in a last-minute beach escape, or make merry plans for the holidays?

With a home equity line of credit from Powerco Federal Credit Union, it’s easy to turn your home’s equity into cash you can use to fix it up, have some fun or get it done.

HELOCs can also be used for other expenses. How about consolidating your debut into one easy payment? You can access up to 100% of the equity in your home.

Pick a project and call Powerco. We’ll take the hassle out of financing home improvements. Get started to today.

Fall in love with your home again!

*The variable rate is effective 10/1/18 and is subject to change quarterly. The minimum APR that can apply is 5.00%. Complete disclosures available upon request. A rate of only .50% over Prime applies to those loans that are greater than 90% loan to value. Subject to credit approval. Consult a tax advisor regarding the deductibility of interest. Home equity loans available in Georgia and Mississippi only. For complete details, see the Home Equity Loan Disclosure Statement within the application or contact a Mortgage Loan Officer.

� No Closing Costs — Save over $1,000! � No Points or Annual Fees � Convenient Check Access � Interest May be Tax Deductible*

� Make Payments on Only the Funds You Use � Access Money When You Need It � Local processing and servicing of your loan � Application Available at www.powerco.org

Powerco is growing, making our family bigger than ever! We are pleased to offer membership to your family members. That means that they, too, can start enjoying the great rates, personalized service and extraordinary experience we offer to all of our owners.

When you want to give a gift that lasts a lifetime, consider giving the Gift of Membership. Membership Gift Certificates are at any Powerco branch and can be made for any amount (minimum

$5). Your gift deposit will open the recipient's share savings account, which in turn will open the door to a lifetime of credit union benefits and endless opportunities. No matter where life takes them, Powerco is here to help them along the way. Additional information on family and gift memberships is available on www.powerco.org.

APR*

You schedule check-ups with your doctor, dentist and car mechanic. It’s time to take a look at your financial health.

Maybe you’re not exactly in the position you want to be in. The

good news is, wherever you are, we’re right there with you. Together, we can put your debt on a diet and put more

greens on your savings plate.

Make an appointment today for your free Financial Check-Up. Powerco is offering all members a complimentary, no-obligation consultation to help you prepare for a healthier financial future.

Visit the Financial Check-Up Center at www.powerco.org to print your financial check-up worksheet.

Call 1-800-633-5217 to schedule your consultation.

We’ve got your prescription for a financially healthier 2019!

Schedule Your

FREE Financial Check-Up

The Doctor Is In!

Introducing Your Newest Member Benefits and Rewards

MEMBERSHIP PERKS

1. Your membership is effective upon receipt of membership materials. This discount card program is NOT insurance, not intended to replace insurance, and does not meet the minimum creditable coverage require-ments under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CRM 5.00. It contains a 30-day cancellation period, provides discounts only at the offices of contracted health care providers, and each member is obligated to pay the discounted medical charges in full at the point of service. For a complete list of disclosures, please visit www.powercoperks.com. | Exclusions and exceptions may apply. Discount Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 803475, Dallas, TX 75380-3475. This plan is not available in UT, VT and WA. 2. Lab benefit not available in MD, NJ, NY and RI. 3. In certain situations, attorney liability may require plan attorneys to ask for a retainer prior to providing some of the free legal services. 4. Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. Policies may not be available in all states. There may be indirect administrative or other costs. Worldwide Headquarters | 1932 Wynnton Road | Columbus, Georgia 31999. 5. Pharmacy discount card not available in UT, VT and WA. See www.powercoperks.com for additional disclosures, exclusions and exceptions that may apply.

Insurance and Warranty products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Insurance or warranties may be purchased from an agent or an insurance company of the Member's choice; and the Credit Union makes no representation as to the services of any provider. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Powerco loves to CUSAVE! Now our members have even more ways to benefit from their credit union membership. Below are the newest additions to our growing benefits and rewards program.

HEALTH PLUS FAMILY PLAN Quality care when and where it’s needed. Anytime. Anywhere.

The Health Plus Family Plan1 includes a telehealth program that provides access to a national network of physicians, 24/7/365, who can diagnose, treat and prescribe medication. There are NO MEDICAL VISIT FEES with this benefit.

Additional benefits included with this plan:

�� �� �� �� Doctors Online You have 24/7 access to doctors, pharmacists, psychologists, dentists, dieticians and more by email or smartphone app.

�� �� �� �� Health Advocate™ Personal Health Advocates help you find your way through insurance and healthcare systems.

�� �� �� �� Medical Bill Saver™ Experts who know the ins and outs of billing practices will attempt to negotiate discounts on your behalf.

�� �� �� �� NurseLine™ Offers toll-free access to registered nurses, 24 hours a day, 365 days per year.

�� �� �� �� Lab Testing Save 10-80% on typical lab costs.2

�� �� �� �� MRI & CT Scan Members receive discounts of 40% to 75% off usual charges for imag-ing services.

SAFETY & SECURITY PLAN A bundle of benefits to help you protect your personal information and give you security when you need it most. The Lifestyle Safety and Security Plan1 has both individual and family options and includes:

�� �� �� �� ID Sanctuary ID Sanctuary combines the power of FraudScout® credit & fraud monitor-ing and LifeStages® identity manage-ment services. With ID Sanctuary, you can rely on immediate, personal-ized attention from a fraud specialist whenever you need it. Unlimited 24/7 restoration assistance whenever your identity has been compromised

�� �� �� �� Legal Services Get legal answers from experienced lawyers at discounted rates. Attorneys help with traffic tickets, bankruptcy, divorce, and spousal and child support. Additional services are also available at no cost to you!

� Free services3 include one-on-one consultations, attorney-made phone calls, help with legal docu-ments, assistance with government programs, representation in small claims court, and a Simple and Living Will.

� Also available for your spouse, dependents up to age 23, your parents and your spouse’s par-ents.

�� �� �� �� Tax Hotline

� Free Unlimited advice on federal taxes

� Free tax return preparation for 1040EZ, 1040A and 1040 and review of last year’s return (limit one per household). Discounts on other tax forms and schedules.

AFLAC INSURANCE As a Powerco member, you can save on policies from one of the nation’s leading providers of voluntary insurance.4

Apply for Aflac insurance policies that pay cash benefits to you, unless assigned, to help pay for what major medical insurance doesn’t pay. Cash benefits can be used to help with medical bills, mortgage or rent payment, grocery bills or even tuition payments. These insurance plans are available at rates exclusive to Powerco members.

Plans available include:

�� �� �� �� Accident Indemnity Advantage®

�� �� �� �� Cancer Protection Assurance

For more information on your new health and lifestyle

membership benefits, visit

www.powercoperks.com

iBennie represents the finest online discount buying program that gives members all kinds of savings and deals, plus it lets them give back to their favorite charity at the same time.

You can save money on products, services, and daily activities – from dining, to travel, to all types of local business offerings.

Plus, iBennie provides all the two-for-one coupons, 50% discounts, and all the other deals contained in the popular Entertainment™ Book. This benefit alone is worth $20 per user but for our members it’s free!

FREE FOR MEMBERS!

FREE PHARMACY DISCOUNTS CARD

FREE FOR ALL POWERCO MEMBERS! Save 10% to 85% on most prescriptions at over 60,000 pharmacies. Just present your card to save an average of 46% at locations nationwide. � Compare your prescription

prices and see for yourself at MyRxPrice.com

� Participating pharmacies include CVS, Walgreens, Target and many other independent, national and regional chains

� Even if you have insurance, present both cards at the pharmacy to receive the lowest price

� Immediate family included PRINT YOUR CUSTOMIZED DISCOUNT CARD at www. powercoperks.com and begin saving as soon as your next prescription! Visit www.powercoperks.com to get your free exclusive members-only Pharmacy Discounts Card.5