Member Link // Autumn 2021

MemberLink

SAVE BIG ON HOME EQUITY LOAN CLOSING COSTS

AUTO LOAN RATES AS LOW AS 1.99% APR

EXPLORE OUR DIGITAL BANKING FEATURES

See inside for full details.

A T R U S TO N E F I N A N C I A L C R E D I T U N I O N N E W S L E T T E R

AU T U M N 2 0 2 1

GET OUR FALL HOME MAINTENANCE CHECKLIST. Now is the time to prep your home for the cold and take care of any upkeep you’ve been putting off. Review our home maintenance list for applicable to-do items while the temperatures are still mild, and prepare your home for the winter months ahead.

Download our free fall home maintenance checklist today by visiting TruStone.org/FallHomeChecklist or scanning the QR code.

LEVERAGE THE EQUITY YOU’VE BUILT IN YOUR HOME. Did you know that a home equity loan can be used for many different reasons, not all home-related?

While home improvements are a great way to use your home’s equity, these funds may also come in handy if you’re trying to pay off higher-rate debt or take a family vacation but need a little boost to make it happen.

No matter what your reason, a home equity loan is a great option to help reach your goals.

LIMITED TIME OFFER

Save up to $1,000 on closing costs through December 31, 20211

Choose from a variety of terms Rates as low as 2.99% APR2

Learn more about our home equity products and start your application today.

Visit TruStone.org/HomeEquity2021 or scan the QR code.

(1) Appraisal fee may apply. Other closing costs waived up to $1,000. Minimum new disbursements of $20,000 required. Valid on applications received by 12/31/21 and closed by 1/31/22. Not valid with competing offers or promotions. (2) Annual Percentage Rate may be fixed or variable depending on the product selected. Variable rates subject to increase.

BUYING IN A SELLER’S MARKET? Picture this: you find a listing that is everything you’ve been looking for in a new home. From what you can tell, it has just hit the market, and there is a showing in two days. There’s only one issue—by the time you connect with your Realtor, you learn that there are already multiple offers, and the seller is not waiting until the open house to proceed. Your dream home has just slipped out of your hands.

The reality is, in 2021, the housing market has seen a decrease in the number of homes for sale compared to 2020. Plus, due to COVID, there are shortages in building materials, causing a significant decline in new homes available for purchase.

We understand the homebuying process can be frustrating. Whether you are interested in learning about the options available to you or want to ensure you’re prepared to put in an offer, our team can assist!

Call us today at (844) 246-4483 or visit TruStone.org/Mortgage to set up a free consultation.

TruStone Home Mortgage is a division of TruStone Financial. Mortgages available in select states.

Check out our blog for more insights on the current sellers’ market from our Chief Mortgage Officer, Nathan Grunzke.

GET GOING 0N YOUR NEXT ADVENTURE. At TruStone, we’re more about the journey than the destination, so we get why you would drive hours to sit around the fire at your favorite campsite. No matter where life takes you, our auto loans can help get you there and back with quick and simple financing.

Save even more with no payments for up to 90 days depending on qualifications.3

NEW & USED AUTO LOAN RATES AS LOW AS

1.99

Apply for an auto loan from TruStone today at TruStone.org/Auto2021.

Available in select states. (3) Payments can be deferred up to 90 days depending on qualifications. Interest will continue to accrue. (4) Annual Percentage Rate. Terms and conditions apply.

GET REWARDED FOR YOUR HOLIDAY SHOPPING. The holiday season will be here before we know it, which means holiday shopping is on the horizon. Make the most out of your purchases when you open a TruStone Visa Signature® Credit Card. You’ll receive a $100 cash bonus5 when you spend $1,000+ within the first 90 days after card opening.

VISA SIGNATURE INTRO RATE 0.00% INTRO APR FOR 6 MONTHS 6 Following the 0.00% intro period, rates range from 9.90% - 15.65% APR based on creditworthiness.

Enjoy these card benefits: No Annual Fee No Foreign Transaction Fee No Balance Transfer Fee Tap to pay technology

Add our Visa Signature credit card to your wallet. Apply at TruStone.org/Visa2021.

(5) 10,000 reward bonus points awarded when cardholder spends $1,000 within 90 days of opening and may be redeemed for $100 cash back or other merchandise. Recipient is responsible for any taxes incurred. (6) 0.00% Introductory Annual Percentage Rate (APR) for 6 months from account opening for new accounts opened by 12/31/2021. After that, a variable APR from 9.90% to 15.65% will apply, based on credit worthiness.

WHAT’S HAPPENING AT YOUR NEAREST BRANCH? FOOD DRIVE: OCTOBER 1- 16 In the spirit of CU Forward Day, we will be supporting our local communities by hosting a food drive! Bring donations of non-perishable food items to your neighborhood branch to donate to Second Harvest Heartland and the Shalom Center food shelves.

2022 CALENDAR PICK UP: LATE NOVEMBER Stop by your nearest branch to pick up your copy of our 2022 member photo calendar.

Visit the TruStone.org homepage for a sneak peek of this year’s top photo submissions.

Stay up-to-date with all things TruStone by following us on social media. Scan the QR code to go directly to TruStone Financial’s Facebook page.

PREPARE FOR HIGHER EDUCATION EXPENSES. We’re only a month in to the school year, but you can already begin planning ahead for the 2022-2023 academic year by completing the Free Application for Federal Student Aid (FAFSA®) and applying for academic scholarship opportunities. Be sure to watch for information in February regarding TruStone Financial Foundation’s scholarships.

Learn about the FAFSA and 2022-2023 deadlines: TruStone.org/FAFSA

Learn about Minnesota Credit Union Foundation’s academic scholarship at TruStoneFoundation.org.

Sixteen $1,000 scholarships are available7!

(7) Available to Minnesota credit union members. Visit link for more information.

QUICK AND EASY LESSONS FROM OUR FINANCIAL EDUCATION CENTER: Have you tried out our Education Center yet? This free digital program provides short, interactive lessons that make it easy to buff up your knowledge on personal finance topics relevant to you: Choose from topics you’re interested in, like credit cards or retirement planning Answer a few questions to receive a unique lesson plan

Start learning today by visiting TruStone.org/ Financial-Education or scanning this QR code:

MANAGING YOUR MONEY WITH TRUSTONE IS EASY! You need a credit union that stays up-to-date with the rapidly changing digital world, and TruStone is doing just that. Easily manage your money from anywhere, at any time, using digital banking so you can get back to more important things in life: Manage Your Finances – Create alerts, build budgets and receive eStatements to help manage your financial life

Move Money – Transfer between your TruStone accounts or send money to others

Deposit Checks – Easily deposit checks with the help of our digital banking app and your device’s camera

Pay Bills – Set up recurring or one-time bill payments from anywhere, for free

Start using digital banking, download the TruStone app today.

Visit TruStone.org/DigitalBanking or scan the QR code.

MemberLink is published for members of TruStone Financial. Address all correspondence to Editor, MemberLink, c/o TruStone Financial, 14601 27th Ave. N., #104, Plymouth, MN 55447. The MemberLink newsletter may contain important notifications to the membership, therefore members are not able to opt out of receiving it. Material in this newsletter should not be considered legal, financial or other professional advice. Neither the publisher nor TruStone Financial assumes liability for loss or damage as a result of reliance on this material. Websites not belonging to TruStone Financial are for information only. No endorsement is implied. ©2021 TruStone Financial Credit Union. Federally insured by NCUA.

TruStone.org // (800) 862-1998 // (763) 544-1517 // 23 locations in Minnesota and Wisconsin