809-6666

Volume 36, Number 1January 2013

50420-NEWS-1212

Join your fellow members at the credit union’s 2012 annual meeting. It’s your chance to learn the results of the board

of directors election, review our progress, and find out what’s on tap for the coming year. Visit with the staff and board members to provide feedback on your experiences with the credit union, catch up on the news with other members, and enjoy refreshments, too. Attending the annual meeting is one of the benefits of belonging to a financial cooperative. At other financial institutions, attendance at the annual meeting is limited to stockholders. As a member/owner of the credit union, you’re invited to participate in its governance. It’s one more way the credit union difference shines through. We look forward to seeing you soon. Come be a part of this important occasion. For more information, call your credit union.

The MSU Federal Credit Union needs your input. Before an election can be held, there must be candidates. You can help by nominating someone (even yourself). There are three positions open on the board of directors, and one position open on the credit committee. Your nominees must be primary members in good standing. Nominations must be received no later than March 12, 2013, in order to be considered for presentation before the annual meeting.

I nominate: Name ________________________________

for Board of Directors Credit Committee

Department __________________________________________

Phone Number _______________________________________

Nominated by ________________________________________

Thursday, March 14, 2013Curris Center Barkley Room

Refreshments at 5 p.m. • Meeting begins at 5:15 p.m.

Mark your calendar

2013from the CU staff and volunteers

Happy 2013The mission of the MSu Federal credit union is to provide services to improve the economic and social well-being of its members by providing financial services, while maintaining a degree of equity that assures its safety and continuous operation as a financial institution.

StaffJanet ManningCEO/Loan Officer

Martha GreenAssistant Manager

Ann BrooksLoan Officer/New Accounts Clerk

Lydia StarksInsurance Clerk/Teller

Barret LooperStudent Assistant

Board of DirectorsScott BarnesBetty BlodgettDavid BrasfieldCarmen GarlandLarry GuinDannie HarrisonDavid KraemerPaul NabereznyCadelia Turpin

Credit CommitteeLarry AndersonPhyllis BaurerBarry BrownLarry OppermanJeanette Osborne

Supervisory CommitteeMary SmithGayle VinsonDebbie Wagoner

Newsletter EditorLinda Pierce

HOURS 9:30 a.m. to 4 p.m. Monday –Thursday

9:30 a.m. to 5 p.m. Friday

For your conveniencenIGHT dePoSITis available

credit union Field of Membership• Calloway County School District Employees• Murray-Calloway County Hospital Employees• Murray Independent School District Employees• Murray State University Faculty and Staff• And immediate family members of any person eligible

for membership

reMInderWhen using your MSU Federal Credit Union VISA check card to pay for purchases, the merchant may ask you “credit or debit?” Choose “Credit.” Because it is a VISA Check Card, it is processed like a credit card but is deducted from your checking account. If you choose “debit” the transaction will be rejected. The only time you will use your PIN (Personal Identification Number) is at an ATM machine.

1.80% aPr

SAVE BIG with our low Auto Loan rates! as low as

In the market for a new or used vehicle, or do you just want to get

a better loan on the vehicle you have? These low rates apply to

new purchases or you can move an existing loan from another financial institution. Call or stop by the credit

union for details.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act

NCUAnational credit union administration, a U.S. Government Agency

In addition to dropping your order form off at the credit union, you can now order online or call toll-free

24 hours a day, 7 days a week.Harland clarke • 1-800-355-8123 • www.ordermychecks.com

need new checks? with no Fee

cHeck ouT our webSITe!

www.murraystatecreditunion.com

new year, new Start with a bill consolidation loan Oprah Winfrey sums it up: "Cheers to a new year and another chance for us to get it right." If getting your financial house in order is on your list of 2013 resolutions, we can help. A bill consolidation loan from the credit union will allow you to pay off those high-interest charge card bills or other debts and make just one monthly payment. Chances are that one payment will be less than the total of your previous bills and the savings can be tucked away in your share account at the credit union. A bill consolidation loan gives you a fresh start and can be just what you need to break your old spending habits. Along with some tips and hints on money management from our friendly staff, you can regain control of your finances. Take advantage of the low rates on our bill consolidation loan to get back on track and on the road to a better future. Call or stop by your credit union today.

need Money In a Hurry? If you need money in a hurry, look no further than a Signature Loan from your credit union. We can offer you a loan with quick approval that doesn't require collateral and gives you the extra cash when you need it. The money can be used for all kinds of things, like purchasing small appliances, TVs, computers, unexpected expenses, much-needed vacation, or whatever you may need it for. Let us help — get a Signature Loan today.

Tired of Paying High bank Fees? Get relief at The credit union Sometimes, old habits die hard. But even old shoes can start to pinch. Despite having had your checking account at the same bank for decades, it may be time to stop paying high fees for the privilege of accessing your money. Check out a share draft/checking account at the credit union. One warning: You will have to get used to hearing the word "no" — as in no minimum balance, no per-check fee, and no monthly charge. When you say "yes" to a checking account at the credit union, we'll make it as easy as possible for you to make the switch. So if you're tired of the fees on your bank checking account statement each month, take charge of your financial health. Call or stop by the credit union and let us help you open a better checking account today.

We can't close the book on another successful year without giving credit where it is due: to you our member/owner. Thank you for choosing the credit union as your

financial institution! Whether you are a saver or a borrower, your participation in the credit union has allowed us to put the credit union philosophy of "people helping people" into action.