CONNECTION creditunion.coca-cola.com

MONEY

WINTER 2015

2 9 t r iggers fo r updat ing your w i l l

3 Will 2015 be a good year to buy a home?

4 Defend your data with strong passwords

5 Qualifying for a mortgage

6 Love your savings

Share credit union benefits

Celebrating 100 million memberships

As a credit union member, you’re in good company — there are 100 million credit union members in the United States (that’s 1 in 3 Americans)! As credit union membership continues to surpass the 100 million members milestone, the Credit Union National Association (CUNA) and America’s Credit Unions® are celebrating, and you can join the fun.

Send a selfie, share your storyCredit union members are also part owners of their financial institutions, and that’s a great reason to feature faces and personal stories to show what 100 million credit union member-ships looks like. View the diverse gallery of credit union members at www.americascreditunions.org and the reasons why they are proud to belong to a credit union. Then check out the instructions to send a selfie and share your story too!

Spread the word to family and friendsIf your family and friends are still using a bank, let them know why credit union

membership is so popular and about the benefits they can enjoy if they make the switch, such as:

• Higher rates on savings• Lower rates on loans• Fewer and lower fees• Member education• Volunteer leadership• “Big bank” technology combined with

personalized service

Growing togetherThe growing strength of credit unions is a testament to their business struc-ture and philosophy of people helping people. The Coca-Cola Company Family Federal Credit Union is proud to make a difference in the financial lives of our members as well as our community. To learn more about the benefits of membership and how to join TCCCFFCU, visit us online, give us a call or stop by today!

Share your story and selfie on Twitter and Facebook with the hashtag #100MM

MONEY SENSE

The Coca-Cola Company Family Federal Credit Union2

9 triggers for updating your will

If you’ve created a will that indicates how your assets are to be distributed, congratulations! You’ve already taken a big step toward your estate planning. But keeping your will updated throughout your lifetime is also an essential, ongoing part of a comprehensive estate plan. Here are nine times when it’s a good idea to review — and possibly update — your will:

1) When you become a parent (or have more children). If your will stipulates for assets to be divided equally among your children, those born after the will was created will be included. If you have more children after your will has been drafted, you may want to check that the language reflects your wishes.

2) When you move to a new state. Because state laws differ with regard to taxes and property, it may make sense to review your will with an attorney familiar with your new state’s laws and update it, if necessary.

3) When you receive a windfall. Should you come into a large sum of money (or other valuable asset), you may decide you’d like to divide your assets differently. Or, your newfound wealth may mean you’ll need to update your plan for estate taxes.

4) When your relationship status changes. When you marry, divorce or break up with a partner, you’ll likely want to update your will to add your spouse or remove an ex. Make sure other documents, such as your retirement plan and insurance beneficiaries or joint accounts, are up to date as well.

5) When a family member dies. Should your spouse or other heir(s) predecease you, review how your assets will pass. Although most wills are written with secondary recipi-ents in place, you’ll probably need to add new backups. You may also feel differently about how your assets should be distributed. If your loved one was named a guardian for your children or an executor of your will, be sure to name a new individual to fulfill those roles.

6) When you want to include charitable giving. As chari-ties become more meaningful to you or your assets grow, you may decide to include causes that are important to you in your will.

7) When laws change. Estate tax laws, for example, may affect the amount of money you leave your heirs or the vehicles you use to transfer assets.

8) When your health declines. A degenerative or terminal diagnosis may prompt you to examine your wishes or make monetary gifts to loves ones during your lifetime.

9) When you’ve changed your mind. Relationships and feelings change from time to time, and it’s a good idea to make sure your will reflects your current wishes. Financial experts recommend reviewing the plan for small estates every five years and large estates annually.

Attention millennials!

Start a 401(k) in your 20s

Jessie recently landed her first “real” job after graduating from college. She couldn’t wait to start. Her excitement turned to anxiety, however, during the human resources orientation. Talk of saving for retirement through participation in the company’s 401(k) plan sounded like a foreign language to her. “I’m only 22,” she thought. “Do I really need to be saving for retirement already?”

If you’re like Jessie — in your 20s and just starting out — you may also struggle with socking away money for a retirement decades away. After all, there are so many other things to be paying for! A place to live, transportation, gas, food, clothing, Internet and a smartphone likely take the lion’s share of your paycheck.

Don’t shortchange your future well-beingBut starting now may make all the difference in retiring when you’re ready. Why work more years than you need to, just because you didn’t plan for retirement when you were young? For example, if Jessie starts contributing $200 a month at age 22 and earns an average annual return of 7 percent, she will have accumulated $758,518 when she is ready to retire at age 67. However, if she waits to start saving for retirement until she is 42 and earns the same return, she will need to contribute $936 monthly to reach the same nest egg by age 67.*

Regular saving started early can go a long way over time. That’s why it makes sense to take advantage of a 401(k) —

PRODUCTS AND SERVICES

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Housing outlook

Will 2015 be a good year to buy a home?

As the economy has gradually improved coming out of the Great Recession, home sales have picked up, too. In mid-2014, sales of existing homes were on pace to top 5 million for the year, and the figure should top 5.2 million in 2015, according to a forecast from the National Association of Realtors®.

Many young adults — some of whom have lived with their parents to save money — may be ready for a home of their own. However, many of them mistakenly believe that they don’t have enough saved for a down payment to buy a house. But in 2014, one in five homebuyers who took out a conforming, conventional mortgage put down less than 10 percent.* Some potential buyers are also unduly pessimistic about their chances of qualifying for a mortgage.

With a good supply of homes for sale, mortgage rates that are still low and a variety of mortgage options so you can select one that fits your plans and budget, 2015 could be a great time to buy a home.

We can helpDon’t assume you can’t buy a home! The home loan experts at The Coca-Cola Company Family Federal Credit Union can help you find a mortgage that fits your budget. And they’ll explain how the process works so you’re comfortable with your decision. Let us help you cross the threshold to homeowner-ship. Call (404) 676-2586 within metro Atlanta or toll-free at (877) 277-2586 outside the metro Atlanta area to get started.

* Source: Freddie Mac.

if offered at your place of employment — when you start your first job. Many companies offer automatic enrollment and auto-matic contribution increase features that make participation easy. Be sure to contribute at least enough to your retirement account to get any matching contributions your employer may offer, as that is essentially free money to you.

For more information on the benefits and options of your employer-sponsored retirement plan, talk to your plan’s adminis-trator. To learn more about other retirement savings options — in addition to employer-sponsored retirement plans — meet with one of our investment professionals at The Coca-Cola Company Family Federal Credit Union.

Advice you can trustThe experienced professionals at The Coca-Cola Company Family Federal Credit Union can help you with your 401(k) plan. Schedule a confidential appointment today with Guy B. Cook, CRPC® and Vice President Wealth Management with CU Wealth Management at (404) 515-3079.

* Rate of return is for illustration only and does not represent the return of any specific

investment. Your returns will vary. Taxes will be due upon withdrawal.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI),

member FINRA/SIPC , a registered broker/dealer and investment advisor. CBSI is under

contract with The Coca-Cola Company Family FCU to make securities available to members.

Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a

deposit of any financial institution.

Factors that make it a good time to buy

How can you decide when is the “right time” to buy a home? Consider these elements:

• Home prices — If prices are going up, you may want to buy sooner rather than later.

• Mortgage rates — If rates are increasing, buying before they go up more could save you money.

• Season — Spring is the busiest season for home sales. That means more homes to choose from, but also more buyers vying for a particular home and perhaps less time and attention from your real estate agent. Winter is a slower time.

SECURITY UPDATE

creditunion.coca-cola.com 4

STRONG PASSWORDS

Defend your data with The threats to security are changing every day. What can you do to protect your information? Create strong passwords, manage passwords carefully and change them periodically.

The time it takes for an expert hacker to crack an average password

******6 characters The average password

is six characters and all lowercase letters

**** 3 minutes

Weak passwords, same passwords risk

Sources: http://blog.instantcheckmate.com/is-your-password-really-protecting-you/, http://www.csid.com/wp-content/uploads/2012/09/CS_PasswordSurvey_FullReport_FINAL.pdf,http://splashdata.com/press/worstpasswords2013.htm

of people use the same password for multiple websites

73%of people use the

same password for every site

of people change their passwords less than

once a year (or never!)

of people reported having security issues with their computers

and passwords

35%32%33%

Avoid weak passwords

123456

password

12345678

abc123

letmein

Strong passwords risk

Try special characters and numbers in place of letters:

$p@c3$h1P instead of spaceship

A passphrase can help you remember a difficult password:

“I love pizza with sausage, pepperoni, garlic and onion”

Change passwords!You may be the victim of a data breach and not even know it.

1.2 billion usernames and passwords were reportedly hacked in August 2014.

Resetting your passwords regularly can help protect you from unknown risks.

DON’T keep a list of passwords in plain sight Strong passwords include a mix of numbers, special

characters, uppercase and lowercase letters.

DON’T save passwords in a text document on your computer or on your phone

DO memorize passwords and/or record them in a safe place

DO create different passwords for each of your accounts

DO change passwords several times a year

Changing your passwords takes some extra effort, but it’s worth it to protect your financial and personal information. Log on to your accounts to reset your passwords, and sleep better tonight!

= 1Lpw$Pg&0

DON’T use easily guessed information: family names, pets’ names, birthdays, sports teams and street addresses

DON’T use words in the dictionary

DON’T use common keystrokes

The Coca-Cola Company Family Federal Credit Union5

MEMBER NETWORK

Qualifying for a mortgageHow student loans affect you

Whether your high school graduation is just around the corner or you already have a year or two of dorm life under your belt, you may be concerned about student loan debt. It is widely known that many college students end up borrowing money to help pay for their education expenses. You may also wonder if that debt will affect you negatively after completing college.

Here are some considerations to keep in mind as you apply for student loans:

• Minimize the amount of loans you take on. Student loans are meant to help finance your education, including tuition, school books and transportation. They are not meant to buy pizzas or fund entertainment. You can help control how much you may need to borrow by applying for financial aid, working summers and part time, and living as frugally as you can.

• Pay down your debt consistently. Student loan payments typically start six to nine months after graduation. By mak-ing regular payments — on time each month — you will be building a positive credit history that can help you qualify for additional credit to reach other financial goals.

• Consider future debt needs. Buying a home for yourself may seem light-years away and you may even think it will be hard to get a mortgage while still carrying student loan debt. However, the opposite may be true — especially for people who make regular student loan payments on time. Because lenders view student loans as positive credit history, if you have not missed any payments, having a student loan shouldn’t hurt you. Lenders will also look at your debt-to-income ratio, the per-centage of money you earn that can go toward debt payments.

We’re here to helpHow you manage your credit history now can affect your finances for years to come. At The Coca-Cola Company Family Federal Credit Union, we have the financial products — student loans, auto loans, credit cards and mortgages — to help you establish valuable credit to achieve your goals. We also have the knowledge and experience to share equally important money management skills with you. Just give us a call at (404) 676-2586 within metro Atlanta or toll-free at (877) 277-2586 outside the metro Atlanta area or visit us online at creditunion.coca-cola.com to learn how we can help.

According to the Government Accountability Office, an estimated 2 million taxpayers each year overpay their taxes by failing to take all the deductions they’re entitled to.* If your tax records are disorganized, you could be missing out on ways to save on your tax bill.

In addition to helping you save money, getting your records organized can make tax filing quicker and easier. Just follow these steps:

Step 1. Label three folders. Can’t be easier, right? Just label one folder “income,” one “investments” and another “expenses and deductions.”

Step 2. Start sorting. Go through your pile of receipts and documents. Put everything that shows earnings (W-2 forms from your employer, dividend and interest statements from deposit accounts, tip statements, etc.) into your income folder.

Investment statements showing interest, dividends and investment purchases and sales, as well as information about capital gains and losses, should go in the investments folder.

Put receipts for charitable donations, unreimbursed medical expenses, mort-gage interest statements, property tax statements and any other deductible expenses in your expenses and deduc-tions folder. Not sure if it’s deductible? Visit www.irs.gov and search for Tax Topic 500 for more information on deduct-ible expenses.

If you work from home, you may be eligible to deduct home office expenses. In that case, include copies of utility, phone and Internet service provider bills, as well as household repair bills and rent or mortgage payments. To learn more, download Publication 587, Business Use of Your Home, at www.irs.gov.

Tip: If you place receipts and documents in their corresponding folders as you receive them throughout the year, rather than waiting until tax season, you’ll save time.

Step 3. Compile any other information you will need to file your return, including your Social Security number; account number(s) for directly depositing your refund, if any, your previous year’s tax return and your password if you are using online tax preparation software.

E-file for quicker refundsOnce you have your information compiled, e-filing can help you complete your return, avoid common errors and get your refund faster, especially if you choose direct deposit. To learn more and find out if you are eligible for free e-filing, visit www.irs.gov/efile.

* Source: Government Accountability Office, www.gao.gov.

Organize your records and save on taxes

Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about.

The Coca-Cola Company Family Federal Credit Union is excited to offer you, our member, exclusive discounts and bene-fits on products and services you use every day. Credit union members have already saved over $1 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.

• Exclusive discounted pricing on most new Chevy, Buick or GMC vehicles with the Credit Union Member Discount from GM

• Save 10 percent on select regularly priced Sprint monthly service; busi-nesses save 15 percent on select regularly priced Sprint monthly service. Plus, waived activation and upgrade fees (up to $36 savings for each)

• Savings of up to 50 percent off other popular plans from Credit Union Auto Club

• Save up to $15 on TurboTax Federal tax products

• Save on services for your home from ADT, DIRECTV, Allied and more

• Earn cash back when you shop at over 1,500 online retailers with Love to Shop

The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.

BULLETIN BOARD

Upcoming events

• Retirement Boot Camp• IRA Seminar

Visit creditunion.coca-cola.com for details.

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from one or more of these sources: ©Thinkstock, ©iStock, ©Fotolia. ©2015 The Coca-Cola Company Family Federal Credit Union, P.O. Box 1734, Atlanta, GA 30301

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LAST WORDS

MAILING ADDRESSThe Coca-Cola Company Family Federal Credit Union P.O. Box 1734, Atlanta, GA 30301

BRANCH LOCATIONAtlanta Office Complex One Coca-Cola Plaza Atlanta, GA 30313

HOURS OF BRANCH OPERATIONAtlanta Office Complex – TEC 1Teller Services

Monday, Wednesday, Thursday, Friday 7:30 a.m. to 4 p.m. ET Tuesday 10 a.m. to 4 p.m. ET

Branch Member Services

Monday – Friday 10 a.m. to 3 p.m. ET

MEMBER SERVICEMonday-Saturday 8:00 a.m. to 8:00 p.m. ET

(877) 277-2586 toll free outside metro Atlanta • (404) 676-2586 within metro Atlanta

CONTACT BY FAXGeneral: (404) 676-8894Loans: (404) 676-1107

SERVICESCU Wealth Management: (404) 515-3079CU Mortgage Services: (404) 676-2586CU Car Buying Service: (404) 515-2689CU Audio Response: (877) 277-2586 (404) 676-2586

INTERNET ACCESSWebsite: creditunion.coca-cola.comEmail: creditunion@coca-cola.com

The Coca-Cola Company Family Federal Credit Union logo and the Contour Bottle design are trademarks of The Coca-Cola Company.We’ll be closed

Thursday, January 1New Year's DayMonday, January 19Martin Luther King Jr Day

Federally Insured by NCUA

Love your savings

50THANNIVERSARYCELEBRATION!

January 2015 Happy New Year!

Spring 2015

New USA Branch Opens

May 2015

Visit followyourcu.com

to stay connected throughout

the changes. We’ll keep you

informed every step of the way.

Watch for announcements and

chances to win great prizes.

Deposit TakingATM available

GRAND OPENING

CELEBRATION!

Follow the RED brick road as we journey to 50 years of serving our members!

50 YEARS2015