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Advertising Supplement to the Sun Journal, Sunday, October 14, 2012

Tips and tricks for Young & Free Mainers By Kylie Keene Young & Free Spokester

Maine’s Young & Free spokester, Kylie Keene, shares money-saving advice for Maine’s 18-25 crowd I was lucky to land a job as the Young & Free Maine Spokester just a month after graduating from the University of Maine in Orono w ith a degree in journalism. My new role as spokester mea nt I wou ld represent the 18 to 25 crowd for Maine’s credit unions and provide useful and interesting i n for mat ion to my pe er s

t he i mpor ta nce of sav i ng money. Sav ing money has undoubtedly been the most difficult financial challenge I’ve faced in my years as a member of the workforce. I convinced myself that I was never making enough money to put a ny t h i ng aw ay i n savings. I worked part-time and full-time jobs since I was of legal working age, but the hourly pay was inconsistent and tips from waiting tables on t he impor ta nt topic of de p e nde d on how m a ny personal finance. people wanted to eat Thai food that night. Du r i ng my f i rst mont h on the job, I learned a few Now that I’m post-grad with a t h i n g s a b o u t p e r s o n a l full-time job and steady payf i na nce mysel f, i nclud i ng check, it should be easier to build my savings, right? This was not the case. After my first few paychecks I found myself spending t he extra money instead of saving it. I bought a few more groceries, added new outfits to my wardrobe, and purchased concert tickets to fill my weekends. And then reality struck. An e-mail arrived in my inbox reminding me that in a few short months my student loans would go into repayment. I looked outside at the Young & Free vehicle, realizing it was only mine for the

Everyone needs savings. You never know when you’ll need the money for an emergency or a major purchase. Incorporate saving money into your everyday routine.

You can save money without thinking about it. year and then I would have to purchase my own car. At the same time, my lease would expire, and what were my plans for housing? Rent again or buy a house?

It was suddenly clear to me that saving money should be my first financial priority. It’s comforting to tell yourself t hat you’re goi ng to sta r t saving money, but you must take action. It doesn’t happen by itself. Just keep these things in mind and saving money will be easy.

Saving money is not an option.

You Matter...

Because

Ask your credit union what options are available for automatic deposits and transfers. I set up a weekly transfer online from my checking to my savings, so the same amount is deposited every week. I’m saving a portion of my paycheck every week without any extra effort.

Saving money does not have to cut into your fun. Create a budget and figure out how much you can afford to save. Factor in things like bills, food and fun money. You can have fun while saving money, just create a budget and stick to it. I’m looking forward to the year ahead as I share more of these learning experiences with the 25-and-under crowd. I hope my advice will help bu i ld a more f i na nc ia l l y responsible a nd prepa red generation.

Credit unions bring millions in savings to Maine members Despite challenging economic times, more than 620,000 Mainers continue to celebrate the savings that come w ith being a Maine c red it u n ion member. A r e c ent l y-r ele a s e d s t ud y, c onduc t e d b y a h ig h l yrespected for mer state economist, on the economic i mpac t a nd benef it t hat M a i n e ’s C r e d i t Un i o n s provide to consumers found that, despite the significant economic cha llenges a nd rate env iron ment, Ma ine consumers saved nearly $38 million by using a Maine credit union in 2011. The study titled, “The Economic Impact on the Maine Economy and the Financial Benefits to Maine Consumers of the State’s Credit Unions,” was conducted by Chuck Lawton, Ph.D, of Planning

Millions

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CREDIT UNION WEEK

Advertising Supplement to the Sun Journal, Lewiston, Maine, Sunday, October 14, 2012

Education in action: Maine's credit unions and financial literacy

Millions from page 2

Maine credit unions are at the head of the class for financial literacy efforts. From volunteering and teaching financial literacy in local schools and operating in-school branches to participating in one of the Youth Financial Fitness Fairs coordinated by Maine’s credit union and Maine Credit Union Youth Week, the Maine Credit Union League and Maine’s credit unions continue to educate consumers of all ages.

Decisions. Lawton said that the total savings that credit unions provided to consumers were particularly impressive “in light of the enormous changes and circumstances that have taken place in the financial services sector and the economy since the financial crisis began in 2008.” Maine Credit Union League President John Murphy said that the great efforts made to offer such sav ings in a challenging economy make credit unions an increasingly valuable option for Maine people. “The credit union philosophy of putting the interests of members first continues to highlight the difference bet ween credit unions and other financial institutions. Credit unions a re ow ned a nd gover ned by t heir members, so a l l members benefit from better rates and lower and fewer fees. That is a key and distinct difference of credit unions. As we saw in 2011’s Bank Transfer Day, now more than ever, consumers recognize and appreciate the value of using a credit union,” he said.

financial future. For these leadership efforts, the Maine Credit Union League and Maine’s credit unions were recently presented with a national Desjardins Youth Financial Education Award from the Credit Union National Association. The prestigious award recognized the League and Maine’s

Additionally, to help Maine teachers bring financial education into their classrooms, the Maine Credit Union League have introduced a partnership with FoolProof, a turnkey, webdriven financial literacy program. With a number of credit unions already offering the program to students and members, it is one more way that Maine credit unions are working to prepare Maine’s youth for a successful financial future! Maine Credit Unions are also a valuable resource for helping adults with money management and financial planning. From providing tools to help members better manage their money, to hosting seminars on subjects such as decreasing debt or buying a home, Maine credit unions help Maine people of all ages achieve a secure

To find a credit union near y o u , v i s i t h t t p : //w w w. mainecreditunions.org.

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Advertising Supplement to the Sun Journal, Lewiston, Maine, Sunday, October 14, 2012

credit unions “for consistently striving to expand financial education learning opportunities to reach new audiences and help more students understand money management and personal finance.” Founded in 2004, Maine credit unions introduced a new concept in youth financial educa-

tion through Financial Fitness – A Money Management Experience. This award-winning, half-day event targets high school juniors and seniors and is similar to the game of “LIFE,” where participating students are given a career and monthly income and then have to visit booths associated with various

expenses that the average adult is faced with each month. For more information about the efforts of Maine’s credit unions towards both youth and adult financial literacy, visit www. mainecul.org and click on the Financial Education and Resources link in the “Community Involvement” section.

Member Appreciation Week! October 15th - 20th, 2012

This week is set aside for you, our members. Come in to any of our locations for a chance to win prizes and to receive a gift from us as a thank you for being our member. for a Monday, Oct. 15 - Drawing Mac’s Grill Gift Card Drawing for a Tuesday, Oct. 16 - Lowe’s Gift Card Drawing for a Wednesday, Oct. 17 - Davinci’s Gift Card Whoopie pies Thursday, Oct. 18 - for all members Drawing for a Friday, Oct. 19 - Raindow Visa® Gift Card MEMBER Saturday, Oct. 20 - Appreciation Sale All raffle entries from the week will be together and one of our member will win $500 worth of heating fuel from the company of their choice

Thank You for being our MEMBERS!

CREDIT UNION WEEK

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More branches than any single bank in Maine = more convenience for you

SURF into Maine's largest surcharge-free ATM network

For eight years, Shared Branching has allowed many Maine credit union members to enjoy the convenience of using other Maine credit unions, as well as credit unions across the country and even the world, just as if they were their own credit union. And now, with 155 locations throughout Maine, there are more Shared Branches than any single bank in Maine! There are also more than 4,600 branch locations across the nation – that’s the fourth largest branch network in the country!

Did you know Maine’s Credit Unions have the largest Surcharge-free ATM network in the state? It’s true! With over 220 locations throughout Maine, you’re bound to catch a glimpse of SURF Dude, the mascot of Maine credit unions’ SURF ATM Network, just about wherever you go!

Shared Branching allows members of participating credit unions to access thousands of credit union service center locations via the cooperative network of service centers in the United States and overseas. Most member services are offered at Shared Branching locations across the country including: account deposits; cash and check withdrawals; transfers between accounts; cash advances, loan payments, and balance inquiries. Extended service hours with weekend hours are even offered at some locations, while money orders, traveler’s checks or official checks can also be purchased at various Shared Branches.

620,000 credit union members can use their credit union across town, across state and across the country,” explained John Murphy, president of the Maine Credit Union League. Shared Branching services include the CU Service Centers Call Center, a service that is available to CU members 24/7! To access the Call Center, members call a toll-free number, 1-888-837-6500, which can be found on the homepage of www. cuservicecenters.com. Members need only to provide their name, credit union name, state, and specific authentication information, to receive the high level of service provided by Shared Branching! Credit Union Service Center locations can also be found using the iPhone App, “Find Branch!” Members can find the nearest location, as well as credit union hours, directions and a phone number. For a complete listing of Shared Branch locat ions i n Ma i ne a nd nationwide, visit http://w w w. mycushares.org/.

Formed in 1999, 90 percent of Maine’s Credit Unions now participate in the SURF ATM Network through the Maine Credit Union League. “This is what credit unions are all about - cooperating with each other for the good of all credit union mem b er s ,” e x pl a i ne d Joh n Mur phy, president of t he Maine Credit Union League.

“Shared Branching provides more locations to conduct financial transactions than any other financial institution in Maine, and still enables members to receive the exceptional credit union service that Maine’s Credit Unions are known for. From Madawaska to York, credit union members can find a Shared Branch location when they travel throughout the state, or even when they head out of state for work, vacation or to attend college. Shared Branching means that a great number of Maine’s

Members Matter Most International Credit Union Day October 18, 2012

Credit Union Week October 15 - 20

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For the 18-25 crowd

Open a Value Checking Account and Debit Card & receive a $10 iTunes Card!

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We believe that our members are the heart and soul of our Credit Union.

All members are invited to join us for refreshments as we celebrate Credit Union Day. Also, during the week of October 15 – 19, members are encouraged to sign up for daily drawings. Not a member yet? Call or stop by for a visit.

When you see SURF Dude, you know that your ATM experience will be pleasantly fee-free! Credit union members can save at least an average of $300 a year on surcharge fees when using the SURF network- the largest ATM network in the state! With the SURF network, ‘no fees’ means just that—not only will you see no fees at your ATM, there are no hidden fees anywhere else! In addition, a number of SURF ATM locations give thousands of Maine credit union members the ability to not only access cash but to a l so ma ke deposit s, surcharge-free.

Need an ATM on the go? An iPhone app allows you to find surcharge-free ATMs in Maine from your current location! It’s a simple way to map out where you can find cash wherever you are! The iPhone app is free, and lists all SURF ATMs, contact info and mapping instructions. Visit the iTunes app store and download it today! For a complete listing of the SURF ATM locations in Maine where you can find SURF Dude, v isit w w w. mainecreditunions.org and click on “Find an ATM.”

Open a new membership account* and receive a $10 iTunes Card!

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“We Invest In You” Lobby & Drive-up Mon. & Wed. 8:30-4:30, Tues. 8:30-3:00 Thurs. & Fri. 8:30-5:00, Sat. 9-12

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* Must be a new account, not a re-opened account. Above offers are valid October 15-20, 2012. Winners for the drawings and coloring contest will be drawn October 22, 2012.

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CREDIT UNION WEEK

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Advertising Supplement to the Sun Journal, Lewiston, Maine, Sunday, October 14, 2012

It's another new record for Maine credit unions' Campaign for Ending Hunger 2011 marked yet another record-setting year for the Maine credit unions’ Campaign for Ending Hunger. The year’s total funds raised was $446,929.56, an increase of nearly $45,000 over 2010’s record. This impressive total was announced in February in a special ceremony featuring the award-winning author of On Golden Pond, Ernest Thompson. “Maine people deserve an Academy Award for their generosity. As someone who has fond affection for this state, I am touched by the level of support and effort credit unions and members devote to this cause. It is amazing,” Thompson said. Since 1990, Maine’s credit unions have raised over $4.3 million to help end hunger in Maine. 100% of all funds raised stay in Maine, and go directly to the cause, benefiting the very communities in which to pick up food. The Food Mobile celebrates its seventh the funds are raised. anniversary this year. Each June, the Campaign holds a ‘Share the Bread’ event, when along with loaves of bread, Maine credit unions contribute $17,000, one of the largest single-day contributions to multiple hunger organizations in Maine, to organizations in every county in the state. Jon Paradise, Governmental & Public Affairs Manager for the Maine Credit Union League, said that more than donating much needed funds, events like this are also about raising awareness for this critical need. “As we recognize the significance of hunger in Maine and, most specifically, feeding a number of Maine’s children during summer vacation when there are not meals provided at school, Maine’s Credit Unions will provide resources to help organizations in each county make a positive impact on thousands of people in Maine.”

Again this year, these efforts have been supported by a unique fundraiser, as credit unions, as well as retailers throughout the state have been selling The Amazing Music of Mainers - Volume 1. With proceeds benefiting Ending Hunger, this 27-song 2-CD set features a wide variety of artists, all with ties to Maine. This is a piece of Maine history and features such musicians as: Don McLean, Dan Fogelberg, Rustic Overtones, Schooner Fare, Bill Chinnock, Cindy Bullens, Devonsquare, Noel Paul Stookey and many more, including The Maine Stein song with a digitally remastered version by the legendary Rudy Vallee. It also interjects Maine humor at its best, with short cuts by comedian Tim Sample and the late Marshall Dodge.

The CDs are available at Maine credit union locations across the state, Best Buy, Bull Moose Music, Mr. Paperback and other To ensure that even the most rural Maine towns receive the select retail locations. You can also order them online at www. food they need, the Campaign partnered with Good Shepherd mainecul.org. Food Bank in 2005 to introduce the state’s only Food Mobile, Since its inception, the Food Mobile program has distributed For more information on how 2,280,743 pounds of food throughout the state. The Food you can help Maine’s Credit Mobile continues to be an invaluable resource to Maine’s food Unions end hunger, visit www. pantries, not only because of the rise of gas and oil prices, but mainecul.org and click on the throughout the winter months when the truck is able to travel to End i ng Hu nger l i n k u nder remote food pantries that may have trouble sending someone “Community Involvement.”

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Advertising Supplement to the Sun Journal, Lewiston, Maine, Sunday, October 14, 2012

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CREDIT UNION WEEK

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Maine consumers flee high fees and join a credit union Credit union members have long appreciated the lower fees that are just one of the many perks of credit union membership – a savings that totaled $10.5 million for Maine CU members in 2011, according to a recent survey.

85 percent had experienced growth in new member accounts above normal levels during that month. More than half of respondents reported double-digit growth, ranging from 12-55 percent.

This is a “secret” that is officially out, thanks to “Every day is a good day to join a credit union,” the publicity generated by the Bank Transfer Maine Credit Union League President John Day movement, which was Murphy said. “More and sparked following Bank of more consumers are recAmerica’s announcement ognizing the value and of new fees. benefits of using a credit union, especially when In a survey of Maine credcompared with other fiit unions, conducted by the Maine Credit nancial institutions. Union Leag ue in t he a f termat h of ‘Ba nk Transfer Day’ when Bank of A merica an- “With fewer and lower fees and better rates on nounced its now-rescinded monthly fee on savings and loans, Maine’s Credit Unions are debit cards, most Maine credit unions re- a great deal, and with a significant increase ported growth in new members, additional in awareness of the positive advantages of deposits and significant increase in web vis- using a credit union, Maine credit unions are itors and inquiries from consumers seeking stronger and more valuable for Mainers now information about joining a credit union. than ever.” With close to two-thirds of Maine credit Ready to make the switch? Find the right CU unions responding, the survey found nearly for you at www.mainecreditunions.org.

Maine credit unions celebrate ‘The Year of Cooperatives’ The United Nations General Assembly has decla red 2012 t he Internat iona l Yea r of Cooperatives! As the largest cooperative in the state, Maine’s Credit Unions have been happy to get in on the action! Ma i ne c r e d it u n ion s w e r e a n a c t i v e participant of July’s ‘Celebrate Port land Fest iva l,’ a n event t hat celebrated t he value and important role of credit unions as cooperatives. It was held on Saturday, July 7, which was officially International Cooperative Day. The event marked the conclusion of the Cabot Community Tour, an event that included bicyclists riding from Miami to Portland with stops in communities along the east coast. The Tour’s primary purpose was to promote community and cooperatives and, as Maine’s largest group of cooperatives, Maine’s credit 25-and-under crowd and several other credit unions were prominently featured in the unions participating. Portland event, which marked the conclusion “The event was a wonderful opportunity to of the Tour. celebrate the strength of credit unions and The Tour’s conclusion was desig ned to t he cooperative spirit t hat ma kes Ma ine coincide w ith Internationa l Cooperative such a strong cooperative state,” remarked Day, and was featured as the day’s “largest John Murphy, president of the Maine Credit Union League. celebration of co-ops around the country.” Held at Payson Park in Portland, Maine’s credit unions had a strong presence including a tent featuring Young & Free Maine Spokester, Kylie Keene, connecting with the

Members Matter Most •

UE CO R T

Want to see a cooperative in action? Visit a local credit union, and learn the many benef its wor t h celebrat i ng ! V isit w w w. mainecreditunions.org to find one near you.

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CREDIT UNION WEEK

Federally Insured By NCUA

Advertising Supplement to the Sun Journal, Lewiston, Maine, Sunday, October 14, 2012

Maine credit unions have money to lend for all seasons and reasons Despite an economy that has prompted many lenders to pull back, lending is accessible and strong at Maine’s credit unions. While institutions across the country were tightening lending availability, Maine’s credit unions continued to lend money and were sources of credit to thousands of Maine consumers, with loans outstanding to members exceeding $3.67 billion.

Economic Impact on the Maine Economy and the Financial Benefits to Maine Consumers of the State’s Credit Unions,” found that consumers provided a breakdown that detailed the financial benefits of credit union membership in Maine saved $21.4 million from lower rates on loans!

Maine credit unions go beyond lending basics to provide smaller loans to help with unexpected life events or emergencies, or just to help a member though a rough patch. Credit unions are known for providing members with smaller loans to help them get back on their feet!

“Maine credit unions continue to experience consistent growth, which has a positive economic impact on the lives of members and communities. We are also extremely pleased to see that more consumers continue to turn to credit unions for financial services through new relationships or expanding existing relationships,” stated League President John Murphy.

More than the ability to get a loan at a trusted financial institution, choosing a Maine credit union for your loan is a decision that will usually save you money! The most recent study on the “The

No matter what you need, Maine credit unions are here to help. Visit www.mainecreditunions. org to find a credit union and begin the lending process today!

No fee checking When you open a checking account at most Maine credit unions, there is one thing you can check off your list – fees! That’s because 95 percent of Maine’s credit unions offer free checking accounts, and 90 percent offer free checking accounts with no minimum balance! This one feature can make a big difference to Maine consumers, especially when striving

save money. Knowing your money is safe, and that every cent you put in your account will stay where it should be, is just another benefit of being a Maine credit union member. And, when paired with better rates on loans, and lower or no fees on other services, it all adds up to significant savings for members! Call a Maine credit union today, and ask about their checking account fees. Chances are, you’ll be told a number that you’ll be happy to hear – zero! Visit www.mainecreditunions.org to find a credit union near you!

Financial security matters at Maine credit unions With financial institutions making headlines in recent years for their struggles as our country and state work to rebuild after difficult economic times, many consumers may wonder who they can trust with their hard earned money. This is something that members of Maine’s credit unions already know the answer to – their money is safe at the financial institution they own – their credit union!

phy, president of the Maine Credit Union League.

The National Credit Union Administration, or NCUA, is the federal government agency that charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF), similar to the FDIC which insures banks. Member savings in Maine credit unions are insured by the NCUSIF, which is backed by the full faith and Maine credit unions offer something that no oth- credit of the United States Government. er financial institution can – the opportunity to be an owner of your institution, and a board that Member deposits in federal credit unions are inincludes unpaid volunteers who are democrati- sured to at least $250,000 by the National Credit cally elected by the credit union’s members. These Union Share Insurance Fund and backed by the volunteers work with credit union management full faith and credit of the U.S. Government. These to conduct credit union operations in a safe and accounts include regular shares, share drafts (or sound manner that is singularly focused on serv- checking accounts), money market accounts, and ing the members. “Maine credit unions are owned share certificates. Individuals with account balby their members. This means that each credit ances totaling $250,000 or less at the same insured union is dedicated to serving the community and credit union have full NCUSIF coverage. Not one the people who live there.” explained John Mur- penny of insured savings has ever been lost by a member of a federally insured credit union.

Advertising Supplement to the Sun Journal, Lewiston, Maine, Sunday, October 14, 2012

Maine’s Credit Unions. There is one for you. www.mainecreditunions.org

Celebrate Credit Union Week

With Your Local Credit Unions October 15-20 Finance with your local Credit Union and save.

Central Maine Credit Union

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Community Credit Union 144 Pine Street, Lewiston • 783-2096 40 Stanley Street, Auburn www.communitycreditunion.com

Loans

Great Falls Federal Credit Union 34 Bates Street, Lewiston • 782-7192 760 Minot Avenue, Auburn www.greatfallsfcu.com

Savings

Lewiston Municipal Federal Credit Union 291 Pine Street, Lewiston • 783-3991 www.lewistoncu.com

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Maine Family Federal Credit Union 555 Sabattus Street, Lewiston • 783-2071 831 Minot Avenue, Auburn www.mainefamilyfcu.com

Monmouth Federal Credit Union 1176 Main Street Monmouth 19 A Patten Road, Greene www.monmouthfcu.com

Otis Federal Credit Union 170 Main Street, Jay • 897-0900 www.otisfcu.coop

Oxford Federal Credit Union 225 River Road, Mexico • 369-9976 54 Fair Street, Norway www.ofcu.org Rainbow Federal Credit Union 381-391 Main Street, Lewiston • 784-5435 20 Washington Street, Auburn 172 Pine Street, So. Paris 1 Lewiston Street, Mechanic Falls www.rainbowfcu.com Sabattus Regional Credit Union 2 Middle Road, Sabattus • 375-6538 www.srcu4u.com

CREDIT UNION WEEK

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For The 25 And Under Crowd

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The Member-Friendly Financial Network

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CREDIT UNION WEEK

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Advertising Supplement to the Sun Journal, Lewiston, Maine, Sunday, October 14, 2012


Credit Union Week 2012