SPECIAL LOW RATE! RATES AS LOW AS 5 - Municipal Credit …

APRIL ? 2015

MCU Personal Loans ? a simple solution.

SPECIAL LOW RATE!

RATES AS LOW AS

5.95% APR*

To meet your important or unexpected needs:

Bill consolidation New appliances, furniture

Tuition or other

or family expenses

or household goods

education expenses

Apply for a Personal Loan today! 1-800-LOAN-MCU |

*APR = Annual Percentage Rate. With approved credit. Rates may be higher based on your creditworthiness. Requires direct deposit or automatic payroll deduction as method of repayment. The Annual Percentage Rate (APR) will increase by 2% during the term of this transaction if you discontinue payment through payroll deduction or direct deposit. Your payments will consist of 60 monthly payments of $19.31 on each $1,000 borrowed at 5.95% APR. Rates and terms are subject to change without notice. Certain restrictions apply. Membership is required.

How Much Do You Know About Being Ready for Retirement?

Take the MCU Mini

The first step to being ready for retirement is to know what to expect. Take the quiz below and test your retirement IQ!

1.True or False: It doesn't matter how old you are when you begin to take your Social Security benefits. You get the same amount no matter your age.*

a. True b. False

2.How long does the average person live into retirement?

a. 10 years b. 18 years c. 23 years d. 35 years

3.About how much of your current income will you need each year in retirement to live comfortably?

a. 30 percent b. 50 percent c. 70 percent d. 100 percent

*This question originally appeared on

4.About how much money can a 65 year-old couple retiring today expect to spend on healthcare in their retirement?

a. $50,000 b. $85,000 c. $175,000 d. $220,000

5.How much money can an individual contribute to an Individual Retirement Account (IRA) each year if you're under the age of 50?

a. $2,000 b. $5,500 c. $7,000 d. $9,500

How do you think you did? Visit Results and find out!

Go Green This Spring

ONLINE BANKING:

Safely and securely manage your MCU account. With NYMCU? Online Banking, you can view your account balances, transfer funds between accounts, sign up for alerts to monitor account activity, and much more.

BILLPAY:

Save time, money and paper by paying bills without having to write and mail a check. BillPay also provides members with the option to schedule bill payment with a variety of frequency options (weekly, monthly, annually, etc). You can even look up 18 months of payment history to all of your payees.

To learn more about these great paperless options and to enroll in NYMCU? Online Banking, visit today!

eSTATEMENTS:

View and print up to 24 months of statements and receive notifications to your email account every month when a new statement is ready to be viewed.

MOBILE BANKING:

Downloading the NYMCU? Mobile Banking App to your iPhone, iPad, iPod Touch and Android Tablets and Phones gives you the freedom to manage your accounts, transfer funds, pay bills, mobile deposit checks and find the nearest MCU ATM or branch locations anytime, anywhere.

Sign up for Account Alerts for a Chance to

Win $500!

Have a question about your accounts? Sign up for MCU's Account Alerts through NYMCU? Online Banking and you can have email or text message* notifications automatically sent to your cell phone or email when certain activity occurs within your account.

Sign up for Account Alerts between April 1st and June 1st for a chance to win the MCU Account Alerts Sweepstakes! One lucky grand prize winner will take home a $500 MCU VISA? Gift Card! Sweepstakes participants will also have a chance to win one of five $100 MCU VISA? Gift Cards!

You can set up alerts for:

Electronic Deposits: Receive an alert every time an electronic deposit, like your paycheck direct deposit, is received on the selected account.

Any Deposit: Get an alert whenever a deposit is made to your account.

Debit Card Purchases: Get an alert every time your debit card is used for a purchase.

Account Activity Summary: Receive an alert every morning with a total amount of the prior day's deposits, withdrawals and ending balance.

Account Balance Change: Get notified every time the balance on your account is over or below the set amount.

Withdrawal Notification: Receive an alert every time a withdrawal over the specified amount is recorded on your account.

Check Stop Payment Expiration: Get an alert 10 days before the stop payment request expires and a second and final notification on the day the stop payment becomes void.

Check Cleared: Set up notifications for up to five check numbers at one time and receive alerts when these checks have cleared.

Timely Reminders: Schedule reminders to pay bills or make payments on time. Custom Message: Set up a one-time customized message to be delivered on a specific date and time.

Visit AccountAlerts and sign up today!

For contest terms and conditions, visit ContestRules *Standard test message rates apply according to your plan. Delivery of

alerts may be delayed for various reasons.

Believing in the PFP Family Security Plan?

The Family Security Plan? New York team members were asked the question, what do you believe in? We were deeply touched; these beliefs are the reason you have come to know us, like us and trust us.

? "We believe in people helping people; when people fall down they deserve a chance to get back up." ? "We believe in putting smiles on members' faces no matter how our day is going." ? "We believe not only in the success of our products, but in the value they create in our members' lives." ? "We believe in helping you build a plan now that saves you from the stress in the future." ? "We believe in bringing you a sigh of relief at the end of the day." ? "We believe security is not a luxury; helping your future is the only way to help your today." ? "We believe you don't need to be rich to be protected." ? "We believe that life's biggest challenges shouldn't be fought alone." ? "We believe life is what you make it and that we are there to protect it." ? " We believe in the prosperity of happiness. It's not about the riches in life; it's about protecting our loved ones who

make our lives wealthy. We live by it."

WE BELIEVE IN THE FAMILY SECURITY PLAN?

We Want to Hear From You! What do you believe in? Visit your The Family Security Plan? representative in your local branch or email Believe@. We look forward to your responses!

Board of Directors

Mark S. Brantley, Esq. Chair Hon. Sylvia G. Ash, 1st Vice Chair C. Richard Wagner, 2nd Vice Chair Caroll Duncanson, 3rd Vice Chair S. Nana Osei-Bonsu, Treasurer Shirley Jenkins, Secretary James Durrah, Asst. Treasurer Mario Matos, Jr., Asst. Secretary Tessa I. Hackett-Vieira, Director Loretta Y. Jones, Director Beryl Major, Director Joy S. Schwartz, Director Thomas E. Diana, Director Emeritus

Supervisory Committee

Giovanni Porcelli, Chairman Karen Lucas, Secretary Almeta Coaxum, Member Joseph Guagliardo, Member Cheryl Wright, Member

Executive Management

Kam Wong, President/CEO Thomas Siciliano, General Counsel Richard Casamassa, Executive VP/Chief Member Service Operations Officer Norman Kohn, Executive VP/Chief Credit Officer Linda Lambert, SVP/Chief Financial Officer Carole A. Porter, SVP/Chief Retail Banking Operations Officer Kim Thompson, SVP/Chief Human Resources and Labor Relations Officer

Senior Management

Anie Akpe, VP/Real Property William Birnbach, VP/Member Service Operations Ahmed Campbell, VP/Loan Operations Corey Fernandes, VP/Business Development and Member Relations Urmilla Jorawar, Chief Internal Auditor Steven Kibitel, VP/Marketing Amy Kong, VP/Risk Management John Parrinello, VP/Collections/ Loss Prevention Agnes Payadue, VP/Retail Banking Operations/Contact Center Janet Perkins, VP/Process Engineering/ Innovation Joseph Rini, VP/ Accounting and Finance Robert Soloway, VP/Technology

PERSONAL LOAN RATES

Loan Type

Amount Financed

Term

Auto-Pay Monthly Payment Per

APR*

$1,000 Borrowed

Unsecured Loan Unsecured Loan Unsecured Loan

$1,000?$15,000 $15,001?$50,000 $15,001?$50,000

Up to 60 Months Up to 60 Months Up to 72 Months

5.95% 6.95% 7.55%

$19.31 $19.78 $17.31

Loan Type

AUTO LOAN RATES

Maximum Amount Financed Term

Auto-Pay Monthly Payment Per

APR*

$1,000 Borrowed

2015?2014 2015?2014 2015?2014

2013 2013 2013

125% 125% 125%

125% 125% 125%

New Cars Up to 60 Months 61-66 Months 67-72 Months

1.95% 2.25% 2.25%

Pre-Owned Cars Up to 60 Months 61-66 Months 67-72 Months

2.25% 2.55% 2.55%

$17.51 $16.13 $14.87

$17.64 $16.26 $15.00

Rates may be higher based on applicant's credit worthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.

MCU only finances vehicles purchased from a car dealer: We do not offer financing for private sales, individual sales or lease buyouts.

*A uto-Pay: When direct deposit or automatic payroll deduction is utilized as the method of loan repayment. Annual percentage rates for auto loans will increase by 1/2 % after consummation if automatic payroll deduction or direct deposit is cancelled. Annual percentage rates on unsecured loans will increase by 2% after consummation if automatic payroll deduction or direct deposit is cancelled. Late payment fee: $25.00.

APR = Annual Percentage Rate.

Municipal Credit Union is an equal housing lender.

NOTICE FROM THE SUPERVISORY COMMITTEE

The Supervisory Committee has established a procedure; whereby, members can confidentially submit concerns regarding questionable accounting or auditing matters, as well as concerns impacting on internal controls. Correspondence should be sent to:

Municipal Credit Union Supervisory Committee/Internal Audit Department Post Office Box 3418, New York, NY 10277-1863 Attn: Giovanni Porcelli, Chairman Phone: 212-238-3573 Email: gporcelli@

PHONE NUMBERS: MCU's Automated Service ? Touch Tone Teller: Within the Five Boroughs/ Long Island (212) 693-4900

Outside the Five Boroughs/ Long Island (800) 323-6713

Application Express: (800) LOAN-MCU

Loan By Fax: (212) 238-2699

MCUAuto Loans: 888-4MCU-AUTO

VISA Information: (800) 481-7338

Mortgage and Home Equity Information: (212) 238-3521

Deposit Account Information: (212)-693-4900

New Member Line: (866) JOIN-MCU

VISIT OUR WEBSITE:



NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. For complete information concerning our savings programs, contact the credit union for a "Truth-in-Savings" disclosure.

CS2736

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