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Welcome to Your Community Credit Union

• The Difference is Ownership.

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What is a Credit Union?

• Credit unions are not-for-profit community based
  financial co-operatives. Owned and controlled by
  their members who are also shareholders.
• Deposits in the credit union represents the
  members ownership in the credit union. Every
  member is an owner with an equal vote in the
  election of the credit union's board of
  directors.

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What is a Credit Union?

• The CU Philosophy - People Helping People
• Credit unions exist only to serve their
  member-owners.
• Credit unions support social and community
  programs to help improve the quality of life for
  everyone.
• Surveys show that members are more satisfied with
  service they receive from their credit union than
  with a bank or other financial institution.

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What is a Credit Union
How Do Credit Unions Differ From Banks?
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Introduction to MSCU

• Mutual Security Credit Union MSCU, was
  established in 1954, originally serving the
  financial needs of the employees of The
  Perkin-Elmer Corporation. MSCU has grown to now
  serve over 22,000 members from more than 80
  companies and the community. MSCU now operates 4
  public access branch offices and 8 other offices
  within sponsor facilities.

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Full-Service Financial Institution

• Mutual Security Credit Union is a full service
  financial institution offering an array of
  financial products from savings and checking
  accounts to consumer loans and mortgages to
  ATM/Visa Check cards and electronic home banking
  and bill payer.

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Deposit Insurance

• MSCU accounts are federally insured up to
  100,000 by the National Credit Union
  Administration (NCUA), a US government agency.
• IRAs are insured separately up to 100,000 by the
  NCUA.

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Why Join Your Credit Union?

• Highly competitive rates on loans, savings, IRAs
  CDs.
• Full service banking including
• Free
• Checking
• Home Banking
• Bill-Pay
• eStatements
• ATM
• Check Cards
• Federally Insured

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Member Qualifications

• All who live, work, worship or attend school in
  the Fairfield and Litchfield counties are
  eligible for membership.

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Lifetime Membership

• Once a member, always a member.
• Members can retain their accounts regardless of
  whether they change employers, retire, or
  relocate.

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MSCU Products
Savings Investments

• Savings Accounts
• Money Market Accounts
• Share Certificates
• Individual Retirement Accounts
• Roth IRA
• Traditional Roth IRA
• Education IRA
• Vacation Club
• Holiday Club

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MSCU Products
Checking Overview

• Mutual Security Credit Union provides its members
• with a selection of different checking accounts
• which all feature
• No per-check charges
• First 50 checks are free
• ATM/Visa Check card access for withdrawals and
  point-of-sale purchases.
• Overdraft protection line-of-credit is available
  upon loan approval.

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MSCU Products
Checking Accounts

• Advantage Checking
• No monthly service fee
• No minimum balance requirement

• Preferred Checking
• Earns dividends
• 1,000 minimum balance required to earn
  dividends.
• 3 monthly fee if balance falls below 500
• Monthly fee waived if a Money Market Account is
  maintained

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MSCU Products
Checking Accounts

• VISA Check Card
• Purchases
• ATM Cash Withdrawals
• Cash back with point-of-sale purchases / easy
  way to avoid ATM surcharge

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MSCU Products
VISA Credit Cards Overview

• Rates as low as 8.9 for VISA Classic
• Rates as low as 7.9 for VISA Gold 
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• Rates as low as 7.5 for VISA Platinum
• No annual fee
• 25 day grace period
• No fees for transfer balances or cash advances

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MSCU Products
VISA Credit Cards

• VISA Classic credit limits of up to 4,999
• VISA Gold credit limits from 5,000 to 15,000
• VISA Platinum credit limit from 15,000 to
  25,000
• Visa Gold members also receive the following
  benefits at no additional cost
• ScoreCard Bonus Point Program
• Auto Rental Collision Coverage
• Warranty Manager
• Travel Emergency Assistance
• Travel Accident insurance of 500,000
• Visa Platinum members also receive the following
  benefits
• CashBack Program
• Auto Rental Collision Coverage
• Warranty Manager
• Travel Emergency Services
• Travel Accident insurance of 1,000,000

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MSCU Products
Auto Loans

• Up to 125 financing
• Fast loan approval, 10-second approval online
• For New Autos, choose from a 24, 36, 48, 60 or
  72 month loan term.
• For Pre-owned Autos, choose from a 24, 36 or 60
  month loan term.
• Driving Sense, the lease alternative
• Refinancing of loans from other financial
  institutions or dealerships is available on new
  cars as well as on models up to 3 years old

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MSCU Products
Mortgages

• Mutual Security Credit Union offers over 40 home
  mortgage
• programs with great low rates.
• First Mortgage
• Application fee rebate
• Low closing costs
• Home Equity Credit Line
• No Application Fee
• No Annual Fee
• Free Closing Costs for property in CT
• Free Checks to conveniently access your line of
  credit
• Home Equity Fixed Rate Loans
• Borrow up to 200,000 with terms from 5 to 15
  years.
• Bridge Loan
• Short term loan for interim financing while your
  house for sale is under contract.
• Borrow up to 200,000 for one year.

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MSCU Products
Other Loans

• Cash Plus Credit Line
• Immediate access to a line of credit to be used
  at your discretion.
• Saves you the cost, hassle, and embarrassment of
  bounced checks.
• Computer Loans
• Borrow up to 3,500 at a low rate of 4.5. Take
  up to 2 years to repay the loan.
• Provide the Credit Union with a copy of the
  computer sales receipt or purchase order to get
  the low rate.
• Secured Loans
• For a Savings or Certificate Secured Loan, borrow
  up to 100,000 for up to 5 years.
• For a Stock Secured Loan, borrow 50 of the
  stock's value up to a maximum of 20,000 with a
  repayment term of 5 years.
• Auto Secured Loans. Borrow up to 95 of the
  N.A.D.A. Retail Value of your vehicle with a
  repayment term of up to 4 years.

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MSCU Products
Electronic Services

• Mutual Security Credit Union gives you the
  freedom to choose when and how you do business
  with us. You can visit us in person, or conduct
  your business from the comfort of your home or
  office.
• The Website
• The MSCU website is ready to serve you 24-hours a
  day. Just log onto to www.mscu.net and you can
  gather information, check your account, apply for
  a loan, reorder checks, get credit card balances
  and more.
• Webline
• Webline puts your accounts at your fingertips.
  Webline provides you with the ability to perform
  multiple transactions through your computer.
• Cashline
• With CashLine, your nearest Credit Union branch
  is as close as the nearest telephone. Cashline
  allows you to do your banking any time of the day
  or night.

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MSCU Products
Other Services

• Commercial Money Orders
• Money Orders
• Notary Republic
• Travelers Cheques
• Wire Transfers
• Western Union
• Auto Cost Guides On-line and in our Branches

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Thank You

• Thank you for your time and interest in Mutual
  Security Credit Union.