Spring 2014 In This Issue: В»В» INTRODUCINGВ»KASASAВ»В» pageВ»1 North DakotaвЂ™s Loan Resource INTRODUCING KASASA В»В» JoinВ»UsВ»ForВ»ShredВ»Day!В» pageВ»2 В»В» AutoВ»LoanВ»CampaignВ»PromotionВ» pageВ»2 В»В» GrandВ»ForksВ»LocationВ»NowВ»Open!В» pageВ»2 В»В» AnotherВ»SuccessfulВ»AnnualВ»В» MeetingВ»EventВ»В» pageВ»2 В»В» VehicleВ»BuyingВ»MadeВ»EasyВ» pageВ»3 В»В» VISAВ»GiftВ»CardsВ» pageВ»3 В»В» FreeВ»ATMsВ»В» pageВ»3 В»В» MobileВ»BankingВ»SecurityВ» pageВ»4 В»В» TheВ»TruthВ»AboutВ»В» FreeВ»CreditВ»ReportsВ» pageВ»4 Do You Kasasa? Citizens Community Credit Union is pleased to offer KasasaВ® to our members. KasasaВ® is a new brand of free checking and savings accounts that rewards our members for using their account with what interests them mostвЂ”high interest, cash back and automatic savings. вЂњConsumers deserve to have a meaningful banking experience and they receive that when they open a Kasasa account with us. We are pleased to offer these unique, free accounts to our community,вЂќ said Darwin Brokke, President at Citizens Community Credit Union. вЂњKasasa delivers what research shows people really want, but believe they canвЂ™t haveвЂ”great financial products with the personal service of a community-based financial institution.вЂќ For more information on Kasasa accounts, visit www.citizens-cu.com, or stop in your local branch today! www.citizens-cu.com Proudly Serving: Devils Lake вЂў 3 Locations in Grand Forks вЂў Northwood вЂў Bisbee вЂў Larimore вЂў Lakota вЂў Ft Totten вЂў St John 1 Grand Forks Location Recreational Vehicle Loans Now Open! Citizens Community Credit UnionвЂ™s newest location in Grand Forks opened its doors February 1, 2014. This new branch features a 24/7 ATM conveniently located for our members right in the heart of the shopping district. Located at 3351 32nd Avenue South in front of KohlвЂ™s Plaza, this new location joins CCCUвЂ™s other Grand Forks locations at 1215 North 42nd St and in HugoвЂ™s. Stop in and check out the brand new branch today! Bring a new toy on your next outdoor adventure! вЂў Boats вЂў Campers вЂў Motorcycles вЂў Snowmobiles вЂў And more! Purchase new or used, and receive up to 100% financing. YouвЂ™ll also enjoy our competitive rates and flexible terms, as well as personal service from our expert lenders. Apply today at citizens-cu.com! Join Us For Shred Day! Another successful Annual Meeting Event Protect your privacy and financial information by joining us for our annual Shred Day. The 74th annual meeting was held February 25, 2014. Over 300 members attended the meeting held at the Knights of Columbus Hall in Devils Lake. The members enjoyed a wonderful meal, an informative meeting and great entertainment provided by Western Artist of the Year nominee, Greg Hager. Bring all of your personal documents that you would like to safely dispose of and have them shredded right on the spot. Devils Lake Saturday, May 10 9 a.m. - Noon Main Office Parking Lot 1117 Hwy 2 SE, Devils Lake Grand Forks Saturday, May 17 10 a.m. to 1 p.m. Grand Forks Branch Parking Lot 3351 32nd Ave S, Grand Forks Greg Hager Annual Meeting Attendants President Darwin Brokke This free event is open to the public. Auto buying made easy. 2 Apply online at citizens-cu.com Vehicle Buying Made Easy Apply at www.citizens-cu.com VISA Gift Cards for Graduation Eliminate the hassle of shopping and give the gift that lets them buy what they really want. Give the VISA gift card anytime of the year. 1. Do you need to be pre-approved before shopping for a new or used vehicle? Getting pre-approved before shopping for a car is a smart choice. It will help you know what you can afford, save you time when shopping so you stick to checking out cars in your price range, and will save a lot of heartache not having to walk away from a car youвЂ™ve fallen in love with but canвЂ™t afford. Visit www.citizens-cu. com and apply for your auto loan today. 2. Is a cash rebate or lower interest rate better? Buying a new car has become more enticing through low-interest financing deals and cash-back rebates. Though offers like 0% financing can sound enticing, these deals are typically limited to buyers with very good credit, and typically to select vehicles on a lot. Take the time to look at all your options. Before negotiating with a dealer, find and practice with an online loan calculator to crunch numbers and compare. You can access our auto loan calculator at www.citizens-cu.com and click on вЂњCalculatorsвЂќ and вЂњAuto Loans.вЂќ Our calculator will help you determine your monthly auto loan payment or your auto purchase price. After youвЂ™ve entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the вЂњView ReportвЂќ button. 3. Financing a car with Your Credit Union After battling for the best deal and negotiating through car sales lingo, there are several different ways you can finance your car. Through a credit union, youвЂ™ll get competitive rates, personal service, and no dealer high pressure or sales pitch for add-ons. WeвЂ™re looking out for your best interest, not theirs. When youвЂ™re ready to buy a new or used car, preparing in advance can help the process go much more smoothly. Put yourself in the driverвЂ™s seat today by getting pre-approved for an auto loan through Citizens CCU. Visit www.citizens-cu.com to get started. вЂў Ideal for family and friends вЂў Great for upcoming graduations, weddings, birthdays, you name it! вЂў Incredible time savers вЂ“ no shopping, packaging or mailing! вЂў A safe alternative to carrying cash вЂў Used anywhere Visa debit cards are accepted вЂў Ranges from $10 to $1000 See an associate at your local branch and eliminate your shopping hassles today! Free ATMs Citizens Community Credit Union provides the following ATMs free of charge for our members: Devils Lake Office 1117 Hwy 2 SE Grand Forks 1215 N 42nd St Grand Forks 3351 32nd Ave S Larimore 217 Towner Ave Northwood Cenex/Northwood Oil, Hwy 15 W St. John 230 Foussard Ave SW Thousands of ATMs nationwide with the Money Pass Network. Find a surcarge-free ATM near you by using the locator at citizens-cu.com. Have you moved or changed phone number or email address? Please be sure to notify your CCCU branch immediately. This helps us to communicate with you and greatly reduces the risk of you becoming a victim of fraudulent activity. 3 Mobile Banking Security Mobile banking continues to become an increasingly popular way to monitor and manage your money. At Citizens Community Credit Union, we take safeguarding your personal and financial information very seriously and want to ensure a safe mobile banking experience for all our members. Here are a few simple tips to help protect your information as you track your finances on-the-go: Before you log into your banking account, make sure youвЂ™re not connected to the public network. If youвЂ™re using a smartphone or other cellular device, disabling the Wi-Fi and switching to a cellular network is a good solution. You never know who might be lurking in the public network. 1. DonвЂ™t Follow Links Download You should never follow a banking link sent to you in a text message or e-mail. These links could potentially lead you to a fake Web site where thieves can easily gain access to your sensitive data and information. ItвЂ™s always a good idea to navigate to a Web site directly by using your bankвЂ™s specific Web address. Mobile devices are less prone to malware attacks than computers, but you should still be careful when downloading all apps. Make sure the app developer has a good reputation before downloading that next game or widget. Reminder: you should never send your account information or password via text message or e-mail. ItвЂ™s a common scam for thieves to send out bogus requests for such information. DonвЂ™t fall for it! 2. Avoid Banking While on Public Networks Many places offer free public Wi-Fi, but keep in mind that public connections arenвЂ™t always secure. 3. Be Careful of What You 4. Use the Official Citizens Community Credit Union App The Citizens Mobile Banking App is the easiest and most convenient way to securely access your account information. WeвЂ™ve gone to great lengths to make sure any information sent across a network by our app is encrypted and safe for our members to utilize. Enroll in online banking on our Web site and download the app today on your iPhoneВ® or Androidв„ў device by searching вЂ�CCCU Mobile AppвЂ™ in the iTunes app store or Google Play store. North DakotaвЂ™s Loan Resource Devils Lake вЂ“ Main Office 1117 Hwy 2 SE PO Box 1000 Devils Lake, ND 58301-1000 Ph: 701.662.8118 ND Toll Free: 800.238.3298 Fax: 701.662.8796 Grand Forks 1215 N. 42nd St. Grand Forks, ND 58203-1917 Ph: 701.746.9845 Fax: 701.746.2040 Grand Forks - HugoвЂ™s 701.746.6196 Grand Forks - 3351 32nd Ave S 701.772.9960 Bisbee Ft. Totten Lakota Larimore Northwood 701.656.3261 701.766.4600 701.247.2759 701.343.6473 701.587.5519 St. John 701.477.5655 Voice Response System 701.662.1171 / 888.839.4489 Check balances, transfer funds and more! www.citizens-cu.com The Truth About Free Credit Reports Federal law requires each of the three nationwide consumer credit reporting companies Equifax, Experian and TransUnion-to give you a free credit report every 12 months if you ask for it. A lot of websites promise credit reports, but AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them. DonвЂ™t fall into the scams. You have a right to your free credit report. Visit www.annualcreditreport.com and get your free copy. 4 Citizens Community Credit UnionвЂ™s variable lending index for the fourth quarter 2013 was 1.47% and a Base Rate of 5.50%. Proudly Serving: Devils Lake вЂў 3 Locations in Grand Forks вЂў Northwood вЂў Bisbee вЂў Larimore вЂў Lakota вЂў Ft. Totten вЂў St. John Board of Directors President: Darwin Brokke Board: LeRoy Rice, George Zenk, Scott Anderson, Mark Motis, Daryn Zinke Credit Committee: Curtis Broden, Keith Warner Leo Sayler NMLS#810388