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Real banking for real people.


Welcome to your new financial future.

Checking. . . . . . . . . . . . . . . . . . . . . . 3-4 Savings . . . . . . . . . . . . . . . . . . . . . . . 5-6 Loans . . . . . . . . . . . . . . . . . . . . . . . . 7-8 Credit Cards . . . . . . . . . . . . . . . . . . 9-10 Online Services . . . . . . . . . . . . . . 11-12 FinanceWorks . . . . . . . . . . . . . . . 13-14

Mobile Banking . . . . . . . . . . . . . . 15-16 Mortgage Services . . . . . . . . . . . 17-18 Investment Services . . . . . . . . . . 19-20 Social Media . . . . . . . . . . . . . . . . 21-22 Locations . . . . . . . . . . . . . . . . . . . 23-24 Opening a New Account . . . . . . . 25-26


Intro

This is banking redefined. This is Endura Financial. At Endura Financial Federal Credit Union (EFFCU), we do things differently. We match your life with an ever-evolving line of products and services. From mobile banking to text alerts, online bill pay to eDeposit, Endura Financial is designed to meet your banking style.

At Endura, you are more than a number. You are a member, a partner, an owner. In fact, since 1929, the benefits of membership at Endura Financial Federal Credit Union are core to the very way we operate our business. Unlike traditional banks that pay stockholders and large overhead expenses, Endura Financial returns earnings directly to our members. This means lower interest rates on loans, higher dividend rates on deposits and the financial freedom you’ve been waiting for: branchless banking that offers you an instant connection to best-in-class products and incredible customer service.

So read on. Explore. And get ready for a new way of banking. Get ready for Endura Financial. EnduraFinancial.com | 1.800.533.4004


1.51%APY*! Now that’s something to smile about. 3


Checking Earn 1.51%APY* on your checking account at Endura Financial.

Make direct deposits to earn 1.51%APY* on your account balance. Direct Deposit

What other checking account rewards you this big (with no monthly maintenence fees) for simply having money in your account? Not many. eLife Checking offers 1.51%APY* when you meet the monthly requirements.

Up to Maximum Balance

$1 - $499.99. . . . . . . . . . . . . . . $2,500 $500 - $999.99. . . . . . . . . . . . . .$5,000 $1,000 - $2,499.99. . . . . . . . . . $10,000 $2,500+. . . . . . . . . . . . . . . . .$25,000

Great rate. Great benefits. • 1.51% APY* on your account balance up to $25,000 • No monthly maintenence fees • Refunded ATM fees** • Free Debit Card (subject to qualifications) • .25% discount on auto loans • .25% bonus on share certificates

Apply at EnduraFinancial.com or call 1.800.533.4004 today!

• Free mobile banking and online banking • Outstanding member service

*APY = Annual Percentage Yield. APY as of 11/15/12. Rates are subject to change. ** Up to $5 in ATM surcharges and foreign ATM fees refunded per month. Qualified ATM refunds for checking account transactions only. Requirements: Endura Financial Federal Credit Union (EFFCU) membership. $25 opening deposit for all checking accounts. Enrollment in Online Banking, eStatements and direct deposit. Must conduct at least fifteen (15) debit card transactions per month with a $10 per purchase minimum, which must be posted to your account by the last business day of the month. Eligible balance to receive 1.51% APY will be determined by a direct deposit amount into eLife Checking account. Direct deposit between $1 - $499.99 per month, maximum eligible balance is $2,500 to earn the account rate; $500 - $999.99 per month, the maximum eligible balance is $5,000; $1,000 – 2,499.99 per month, maximum eligible balance is $10,000; $2,500+ per month, maximum eligible balance is $25,000. APY is .10% if requirements are not met. Balances in excess of maximum eligible balance per direct deposit will receive .10% APY. Dividends will compound and be paid monthly. Dividends will only be earned on the primary eLife checking account; dividends will not be earned on other checking accounts under the same member number.

EnduraFinancial.com | 1.800.533.4004


Personal Savings, meet Personal Time.

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Savings Bring your dreams to life with Endura. From college tuition to that dream vacation, we get what’s important to our members – and have the perfect savings plans to make it all happen. Quickly. Safely. On the money.

Share Savings Account All members begin their Credit Union membership with a Share Savings account. A simple $5.00 minimum deposit gives you access to all the benefits of Credit Union membership. But it doesn’t stop there. Daily dividends on your Share Savings account are compounded and paid quarterly. And you can access your Share account any time through our 24-hour automated telephone banking service, online banking or mobile banking.

Get Ahead Savings Account Ready to step your savings up a notch? Endura’s signature Get Ahead Savings account builds your account gradually through automatic paycheck deductions. And with this tiered-rate product, the more you contribute, the higher your yield. Which means your money grows steadily, month by month, with no minimum balance requirements.

Youth Savings Account Attention students under the age of 25! Earn higher savings rates with Endura’s Youth Savings account. Designed to help students build money quickly and safely, the Youth Savings account requires no minimum balance and dividends are compounded and credited to your account on the last day of the quarter. Talk about easy saving.

Money Market Accounts Welcome to the flexibility of a checking account and the soundness of a savings account. Money Market Accounts reward higher balances with higher earnings, along with easy access to your funds. Check out even more benefits: • 24-hour automated telephone, online or mobile banking access • Up to six (6) withdrawals per month • Dividends calculated daily and compounded monthly

IRA Accounts IRAs provide a safe way to save for retirement without worry. Choose from a savings account or fixed rate certificates in a Traditional or Roth IRA option. And, best of all, Endura IRAs are insured to $250,000 by the NCUA for peace of mind. Start planning – and taking action – for your future now.

Share Certificates For the more conservative saver, Share Certificates guarantee yields, which means guaranteed money. With Share Certificates, you earn fixed rates and decide whether you want to reinvest the earnings (and increase your savings further) or receive dividends on a quarterly basis. Choose from terms ranging from three (3) to 60 months with a $1,000 minimum deposit on each certificate.

EnduraFinancial.com | 1.800.533.4004


Loan rates the whole family will love.

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Loans Big dreams, small rates. No matter what type of vehicle you're in the market for Endura Financial is your connection to flexible finance terms, exceptional service and rates too good to pass up! Purchasing new or used, or ready to refinance to lower your monthly payment or shorten your term, Endura Financial has the right auto loan for you.

Shorten your term and save thousands with a Rapid ReFi! Payoff your mortgage faster and benefit from: • • • • • •

Low rates No closing costs* No appraisal fee** 5-12 year terms Speedy approval Outstanding service

New or used, let Endura Financial help you finance your: • • • • • •

Car Truck Motorcycle Boat RV or Camper ATV, snowmobile or personal watercraft

Don’t need a car? But still need a loan? No problem! If you’re looking for a loan, Endura offers great rates and quick service for members: • Shared Secured Loans: This option uses your balance as collateral. • Unsecured Loans: These are sometimes called “signature loans” and are not backed by collateral.

Equal Housing Lender. Actual rate is based on applicant’s credit history and term of loan. Loan is subject to credit approval. *Closing costs are paid by EFFCU if the loan is held for one year. If loan is paid off in less than one year, maximum closing costs $2000. **Average appraisal valued at $395. ***Subject to credit qualifications. ****Consult a tax-advisor.

Home Equity Loans: Get to work with a Home Equity Loan! • 20 year loan, low fixed rate for 5 years, option to relock for additional 5 years*** • Or 5, 10 or 15 year fixed rate loans • Set your own payment schedule to know when loan will be paid in full • Tax deductible**** • Simple, fast set-up

Home Equity Line of Credit: From home improvement to debt consolidation, an Endura Financial Home Equity Line of Credit (HELOC) can help you build something amazing. • Low minimum payment options • Re-useable line of credit up to 10 years for current and future projects • No cost to re-access line of credit • Simple, fast set up

EnduraFinancial.com | 1.800.533.4004


What you need, when you need it.

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Credit Cards Credit where credit is due. Just starting out and ready to build your credit history? Or perhaps you’re looking for a generous line of credit for extra spending power? Whatever your lifestyle and needs, Endura is proud to offer you the credibility and convenience of the Endura Financial Visa® credit card. Check it out!

Visa® Platinum For those with established credit, the Endura Visa® Platinum credit card offers a great low rate, expanded credit limits and exceptional spending power. And, if you need to carry a balance, this card offers one of the best rates possible based on your individual credit experience. • • • • • • • •

24-hour credit card customer service ATM access for cash advances Transaction alerts Travel and emergency assistance Warranty protection Emergency cash and card replacement Common carrier insurance Auto rental insurance

Easy online payments. Forget about writing checks and buying stamps ... save time and money by making your credit card payments online. You can also view your statement and check your account activity. Registration is easy, visit EnduraFinancial.com/creditcards.

EFFCU Visa® eStatements. Enroll today for EFFCU Visa® Credit Card eStatements and receive: • Easy online statement access and retrieval • Statement storage up to 24 months • Email notices when your statement is ready to view, print or download • Safer than receiving a mailed statement, reducing identity theft Log in to your Visa® Credit Card account to sign up.

EnduraFinancial.com | 1.800.533.4004


Tap into your financial future. Anywhere. Anytime.

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Online Banking Banking. On your schedule. Taking care of your finances has never been easier with free online services offered 24-hours a day, seven days a week. With Online Banking, Online Bill Pay, eDeposit, eAlerts, your finances are fully covered without ever needing to make a trip to a branch office.

Online Banking With Online Banking you get instant, up-to-date account information and the flexibility of conducting transactions seven days a week, 24-hours a day.

eStatements Check your balance and view all your account activity right at your computer, anytime of the day. No more clutter of paper statements. Just log on and go!

eAlerts Get even greater power over your accounts. With eAlerts, receive automatic notifications when your account reaches a certain level – determined by you! That’s right: You can be notified at multiple email addresses and by text message, receive alerts when deposits and withdrawals have been posted to your account. eAlerts are the ultimate in instant account management – at your fingertips!

Skip-A-Pay Online Bill Pay Want a safe and secure way to simplify your bills and eliminate paperwork and stamps? Online Bill Pay is here. Log on to EnduraFinancial.com. After establishing your password, simply follow the steps to set up accounts for payment. Schedule payments and never miss a due date again!

Put extra cash towards a family vacation or home renovation. Skip a payment on qualifying loans with Endura Financial. Simply log in to Online Banking at EnduraFinancial.com and click SkipA-Pay up to five days prior to your due date.

eDeposit Ready for the ultimate in banking convenience? Deposit personal checks into your Endura Financial accounts anywhere or anytime.* It’s instant access to your funds. No driving, no extra trips. Total ease.

*Subject to qualifications.

EnduraFinancial.com | 1.800.533.4004


Take control of your spending.

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FinanceWorks Manage all of your accounts in one place.

FinanceWorks includes powerful planning tools.

FinanceWorks, Powered by Quicken,® can manage your complete financial picture in one place with online tools that enable you to:

• Automatically analyze all transactions from your accounts, even if they are not with Endura, and assigns categories based on the type of transaction.

• Manage multiple financial accounts across 16,000+ institutions all in one place. • Analyze spending behavior and find ways to save. • Understand where your money is going.

TM

• Consolidate bills in one place and track upcoming payments. • Analyze transaction history to determine which payments are recurring.

• Determine your discretionary income. • Recurring bill pay reminders. • Help you live within your means. You can easily add any number of accounts, even those from other institutions, including checking, savings, investments, loans and credit cards.

• Create budget estimates based on past spending patterns.

Take a video tour of FinanceWorks at EnduraFinancial.com and click on “Services.”

You must be registered for Online Banking to use FinanceWorks. To register for Online Banking, visit EnduraFinancial.com or call 1.800.533.4004.

EnduraFinancial.com | 1.800.533.4004


Instant access to your accounts. Right from your cell phone.

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Mobile Banking eMobile from Endura Financial. Get instant access to your accounts. Right from your cell phone. With eMobile, the convenience of online banking is right in your hand. Access your accounts anywhere – on the bus, at the mall or on the beach. This is banking at the speed of life.

Access your account in 3 easy steps: 1. Visit m.EnduraFinancial.com from your cell phone/mobile device.* 2. Click the “Sign On” tab. 3. Enter your member number and follow the security prompts to log into mobile banking.

• • • • • • • •

View account balances Pay bills Transfer funds Check rates Track account history Map a branch Locate ATMs Contact a Member Service Representative

To use this free service, all you need is a web-enabled mobile device and be registered for Online Banking. Don’t have Online Banking? Call a Member Service Specialist and sign up today at 1.800.533.4004.

Text to get account information. Text commands to 21443: endu bal

Balance Report

endu hist

Last 3 transactions

endu cmd

List of active commands

endu help

Provides help and contact information

endu stop

Opt out of eMobile texting service

Register online to receive text account information. Standard text messaging rates apply.

m.EnduraFinancial.com

*Must be registered for Online Banking to access mobile banking. To register for Online Banking, visit EnduraFinancial.com. Mobile device must be web-enabled. Federally insured by NCUA. ©2012 Endura Financial Federal Credit Union (EFFCU)

EnduraFinancial.com | 1.800.533.4004


Live it up.

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Mortgage Services Get moving with a mortgage that fits your life. Ready to purchase your own home? Refinance your current mortgage? Endura’s helpful and knowledgeable Home Mortgage Lending Team will walk you through every step of the process. Start by calling 1.877.309.7676 or 763.302.3111 to talk to a Mortgage Representative, apply online at EnduraFinancial.com or email a Mortgage Rep at MortgageServices@EnduraFinancial.com

Adjustable Rate Mortgages (ARM) Looking for a lower intro rate and payment? Adjustable Rate Mortgages generally begin with a lower interest rate than a comparable fixed-rate mortgage, then adjust over time – usually at specified intervals depending on changing market conditions.

Jumbo Mortgages Need to borrow a larger sum for that dream home? Jumbo mortgages are available for up to $2 million and are often used to facilitate high-end purchases of primary residences as well as second or vacation homes.

Fixed Rate Mortgages Available in a variety of terms to suit your needs, Fixed Rate Mortgages have two distinct features. First, the interest rate remains fixed for the life of the loan. Second, the payments remain level for the life of the loan and are structured to repay the loan at the end of the loan term. As the loan is paid down, more of the monthly payment is applied to the principal.

Rapid ReFi Endura Financial’s Rapid ReFi can help you shorten your term and save thousands over the

Get mortgage rate email alerts. Sign up at EnduraFinancial.com and click on “Mortgages” to receive email alerts.

Call 1.877.309.7676 or 763.302.3111 to talk to a Mortgage Rep today! Or apply online at EnduraFinancial.com

life of your mortgage without a lot of fees or closing costs. Speedy approval, great rate and outstanding service! • Low rates • No closing costs* • No appraisal fee** • 5-12 year terms • Unbelievably fast turn-around

Equal Housing Lender. Actual rate is based on applicant’s credit history and term of loan. *Closing costs are paid by EFFCU if the loan is held for one year. If loan is paid off in less than one year, maximum closing costs $2000. **Average appraisal valued at $395.

EnduraFinancial.com | 1.800.533.4004


Invest in your passions. Literally.

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Investment Services Invest with Endura Financial Investment Services. Meet with your personal Financial Advisor. Learn how to create a future that you love. From planning ahead for your child's college expenses to saving for retirement to choosing a long-term care plan, the Financial Advisors at Endura Financial Investment Services are here to provide you with professional planning and a range of investment, savings and insurance products to meet your needs.

And it all starts with a complimentary financial plan. That’s right. As a member, simply call to schedule a consultation with a Financial Advisor. Put together your complimentary plan. Then, review it yearly with us to ensure you are on track. All to help you with the advice and products you need. All to help you achieve your goals.

Your complimentary financial plan can include: • • • • • • • • • • • • • • • •

Goal Setting Investment Planning Retirement Planning Education Planning Job Changes/Distribution Options Market Volatility Online Investing Protection/Insurance Planning Tax-Advantaged Investment Planning* Long-Term Care Benefit Transition & Compensation Packages Business Planning Mutual Funds Stocks and Bonds IRAs And more!

Call 763.302.3117 for more information today!

Representatives are registered, securities are sold and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. Representatives are not tax advisors, for more information consult a tax professional. 2000 Heritage Way, Waverly, IA 50677, toll-free 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. FR030925-9687

EnduraFinancial.com | 1.800.533.4004


Click. Converse. Connect.

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Social Media Join the conversation. Follow Endura Financial on Facebook, Twitter and LinkedIn. We’ll keep you up to speed on the latest news about our great products and services. Along with interesting information like: • Financial tips and tidbits • Commentary on things we’re passionate about • Answers to frequently asked financial questions • And, of course, conversations with the most important folks out there, our members! Join your fellow members, post questions and comments, and stay connected with Endura Financial. Follow us today!

Check out our eBlog! Covering a wide range of topics, from finance to vacation tips, our blog provides a unique perspective to the financial industry and beyond. Visit EnduraFinancial.com/blog, post your questions and comments. Join the open solution-oriented conversation. We’ll do our best to bring you answers and insights pronto!

eNewsletter Sign up to receive our eNewsletter. Plus, get emails about products, promotions, social media contests and more. At EnduraFinancial.com, click on “About Us,” then “eNewsletter.”

Facebook.com/EnduraFinancial Twitter.com/EnduraFinancial LinkedIn.com/companies/974264

EnduraFinancial.com | 1.800.533.4004


Find yourself here.

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Locations Corporate Office

Your Laptop

820 North Lilac Drive Minneapolis, MN 55422

The ultimate banking convenience can be found 24-hours a day at EnduraFinancial.com. Simply log into Online Banking to access your balance, make eDeposits, review eStatements, explore new products and more. No need to get in the car; no need for an extra trip. Just log on and go!

Brooklyn Center Branch 5825 Xerxes Avenue North Brooklyn Center, MN 55430 Lobby: 9:00A to 5:00P M-F Drive-Thru: 9:00A to 5:00P M-F

Golden Valley Branch 1885 Douglas Drive North Golden Valley, MN 55422 (North side of the Honeywell plant) 9:00A to 5:00P M-F

Ridgway/Stinson Branch 2600 Ridgway Parkway Minneapolis, MN 55413 (Northeast side of the Honeywell plant) 9:00A to 5:00P M-F

Mobile Banking Get instant access to your accounts. Right from your cell phone. Pay bills, view balance, transfer funds and more. eMobile from Endura Financial. m.EnduraFinancial.com

Shared Branching* Stop in and receive most Endura in-branch services at a different Credit Union’s branch location. Visit EnduraFinancial.com; click on “Locate Us” to find one near you.

ATMs** For a list of surcharge-free ATMs, visit EnduraFinancial.com and click on “Locate Us” for a complete list.

24-Hour Telephone Banking Conduct transactions anytime, anywhere with our automated phone bank. Call 612.951.CASH (2274) or 1.800.533.4004, option 1. *Endura Financial Federal Credit Union cannot guarantee the accuracy of Shared Branching location information. View policy regarding Third Party Links and Endorsements at: EnduraFinancial.com/aboutus_policies.asp. **Endura Financial Federal Credit Union cannot guarantee the accuracy of non-EFFCU surcharge-free ATM location information. View policy regarding Third Party Links and Endorsements at: EnduraFinancial.com/aboutus_policies.asp. Federally insured by NCUA. ©2012 Endura Financial Federal Credit Union (EFFCU)

Member Service Center Need more assistance? Telephone banking is available with a Member Service Specialist at 1.800.533.4004, option 3. Hours: 8:00A – 5:00P M-F.

EnduraFinancial.com | 1.800.533.4004


New members wanted. Join us. Here’s how: 1. You live, work, attend school or worship in one of these areas: MINNESOTA • Brooklyn Center • Crystal • Golden Valley • Hopkins

• Spouses and domestic partners • Minneapolis • New Hope • Robbinsdale • St. Louis Park

MISSOURI • Jackson County

2. You work for or are retired from a qualified employee group. (Honeywell, ATK, Marketplace Home Mortgage and TSI employees).

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3. You’re a family or household member of a current Endura Financial member. • Children • Parents, stepparents and siblings • Grandparents and grandchildren

4. You can join the Minnesota Consumer Council (MNCC), free of charge to become eligible. To join MNCC visit: http://mnconsumercouncil.org/ and click on “Membership.”


Opening a New Account Join EFFCU in just a few easy steps

Open an Account

If you meet the eligibility requirements for membership with Endura Financial Federal Credit Union, then you are just moments away from becoming a member.

Apply now for a variety of EFFCU products and services. You can apply online by submitting a secure form, or print an application from our website, EnduraFinancial.com, and submit it in person at a branch location. If you need assistance, please call us at 1.800.533.4004 or 612.951.1500.

It’s this easy: • Complete a Membership Application – apply online, in person or download an application and mail or fax it to us • Make an initial deposit of at least $5.00 to open and maintain a Share Savings account • Provide a photocopy of your driver’s license or government-issued identification • Provide valid email address

Mailing Address Endura Financial Federal Credit Union Attention: Member Services 820 North Lilac Drive Minneapolis, MN 55422

Fax Number 763.302.6222

Federally insured by NCUA. ©2012 Endura Financial Federal Credit Union (EFFCU)

EnduraFinancial.com | 1.800.533.4004


EnduraFinancial.com | 1.800.533.4004 | 612.951.1500 Corporate Office 820 North Lilac Drive Minneapolis, MN 55422

Brooklyn Center Branch 5825 Xerxes Avenue North Brooklyn Center, MN 55430 Lobby: 9:00A to 5:00P M-F Drive-Thru: 9:00A to 5:00P M-F

Golden Valley Branch 1885 Douglas Drive North Golden Valley, MN 55422 (North side of the Honeywell plant) 9:00A to 5:00P M-F

Ridgway/Stinson Branch 2600 Ridgway Parkway Minneapolis, MN 55413 (Northeast side of the Honeywell plant) 9:00A to 5:00P M-F

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Mobile Banking

Federally insured by NCUA. Š 2013 Endura Financial Federal Credit Union (EFFCU) EF100-13

Equal Housing Lender


Endura Financial Member Kit