January 2013

CCU is ringing in the 2013 new year with a colorful advertising campaign designed to celebrate the 60th Anniversary of serving our members. It’s hard to believe just sixty short years ago, in 1953, ten Brevard County teachers gathered together in a little schoolroom in Titusville and formed the Brevard County Teachers’ Credit Union. Eight of these individuals signed the Certificate of Organization, and subscribed to one $5 share in the credit union for a total of $40. Now, within the last three years, we have changed our name to Community Credit Union to be more inclusive, grown to more than $400 million in assets, and have almost 35,000 members. That’s why, when looking back in time for inspiration for our 60th Anniversary Celebration, we found several culturally memorable songs and messages to launch CCU’s new campaign. With events like Bank Transfer Day in 2011 bringing more and more members into our cooperative, we want to highlight the 60s to showcase the idea of how people started the Credit Union Movement.

Our mission is to “Always improve the financial well-being of our members and make a positive difference in the community.”

CCU empowers our members in every financial situation and every season. It’s about helping our community, one member at a time.Some of you may be familiar with the memorable 60s musical tunes from “Hair” (Let the Sun Shine In) and The Fifth Dimension (Age of Aquarius) where “Peace will guide the planets and love will steer the stars,” as well as the Beatles (It’s All Right) songs. These songs represent – Freedom, Flower Power, and Patriotism. That’s why we have added some red white and blue flowers with stars and stripes to our look. Our wave logo is also sporting a new look with a sun shining in the background to let the sun shine in. We have also added the People Power message with the slogan Giving Back. Lifting Up. Empowering You.Throughout the years, from those original ten Brevard county Teachers, to today’s almost 35,000 members, CCU has maintained its strong financial stability and brand promises. We have proven that the convenience and service provided under a cooperative, member–owned and market driven philosophy has resulted in the most safe, secure and successful means of providing financial services to you, our members.

EMPOWERING MEMBERS FOR 60 YEARS

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2013 Annual MeetingCelebrating 60 years of service!

The 2013 Annual Meeting will be held Thursday, March 21, 2013, at 7 pm at the Rockledge Branch. One of the items of business is the election to fill the open positions on the Board of Directors. We have two seats expiring (seat #1 and #2). The Nominating Committee has nominated Jack Kelley and Jim Platman, current volunteers. Mr. Kelley is a former Assistant Superintendent in the Brevard County Public School system and currently serves on the CCU Retirement and ALCO Committees. Mr. Platman is a Manager with Bright house Networks and currently serves on the CCU Audit Committee as well as Boards of the Red Cross, Brevard Schools Foundation, and WBCC.Additional nominations for the open positions may be made by petition signed by at least one percent (1%) of the credit union members. In order to be validated, petitions must be submitted to the Executive Secretary of CCU by close of business Monday, February 4, 2013. Petitions submitted after this date will not be accepted. Elections will not be conducted by ballot, and nominations from the floor will not be taken when there is only one nominee for each open position.Mark your calendars to attend the 2013 Annual Meeting and help us celebrate 60 years! There will be refreshments and prize giveaways. All Community Credit Union members are welcome to attend!

- Empowering members for 60 years!

Empowering People for

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by NCUAccuFlorida.org

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For your protection, CCU has enabled you to use an alternate ID instead of your account number to access your online account. You will no longer use your account number to sign in your account and you will choose a new name that meets the requirement to mask you real account number.Members will be asked to create an ALTERNATE ID (Alt ID) to protect your account number. For example: Account number 10000 would be changed to an Alt ID of - mymoney01). This will be an Alt ID that you choose to MASK the identity of your real account number.In anticipation of the upgrade, we have already enhanced the “My Profile” section to provide you the ability to change your username now so you will not have to do it later. Here is how to do it:In the “User Options” section on the gray bar underneath the CCU logo in the eBranch, you will choose the “Change Member Number” to change your account number by linking it to a

new username. The new username must comply with the same username rules that are presented during the initial upgrade: • Must be at between 6 and 20 characters long • Cannot be all numeric • Can contain letters, numbers and the following special characters: @$*_-=.!~ • Cannot contain any white space (spaces are not allowed: including before, in the middle of, or after the username) If the new username doesn’t meet the criteria above or you don’t enter a valid current password, we display an error and are unable to save the new username. If the new username is already in use by another member, an error message informing you that the username is not available will be displayed. Upon a successful change in username, we will send you an email notification informing you about the change at the email address saved within online banking (if one exists).

NEW ACCOUNT SIGN ON REQUIREMENTSMembers must change their account number to an alternate ID for logging into the eBranch

with every bill you pay online.1Enter To Win $5,000 for a DREAM Vacation

(1) NO PURCHASE NECESSARY. Open to legal residents of the 50 United States (D.C.) 18 years and older. Ends 1/31/13. You may only receive up to 10 entries.

GOODTHRU

COMMUNITY CREDIT UNION

SAVVY MEMBER

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Platinum

321.690.2328 www.ccuFlorida.org

Transfer your high rate credit card balances to a CCU VISA

Like many consumers, you may have financed part of your holiday spending on a credit card. If you did, you may be wondering how you are going to pay down that debt quickly, especially if you have a high interest rate credit card. Well, now is the perfect time to transfer your credit card balances to a CCU VISA. We are extending our balance transfer rate of as low as 4.99% APR¹ into 2013! So how do you do it? Just contact us by either stopping by one of our seven branches, call us, or apply online at www.ccuFlorida.org. Once you are approved, tell us who you want to pay off, give us the information needed, and we will do the rest for you. As mentioned, rates for balance transfers are as low as 4.99% APR and will be effective for 12 billing cycles. The CCU VISA also has other great features: no annual fee, no balance transfer fees, and a fixed rate for one year. If you still carry a balance on your balance transfers after the year is up, the interest rates will change to our current VISA rates, which range between 10.99% - 17.99% APR.So get rid of all of those annoying credit card bills you receive and consolidate to one card - the CCU VISA and reap the benefits with a lower interest rate. Apply now!¹Introductory balance transfer APR is based on credit history, card terms and borrower qualifications.   Existing CCU credit card balances do not qualify. Contact CCU to determine your rate. Rates subject to change. 

If you have been experiencing problems logging into your online account at CCU, you may need to look a little closer at the computer or device you are using. It might be time to upgrade your browser. The average desktop personal computer has a functional lifespan of roughly between three and five years. Over time, users will tend to notice that their systems just aren’t as fast as they used to be, they don’t have enough space to store files, or they don’t meet the requirements of the latest software.When this happens, you have the option of either upgrading or replacing your personal computer. The problem is that with so many components, the cost of upgrades can quickly outpace the cost of replacement. If your computer is five years or older, you may want to think about purchasing a new one with more data resources and power.It is imperative that you are maintaining your computer by updating your browser. In order to deliver a visually rich experience while still making the experience flexible and accessible, you will need to update your computer with the latest browser requirements for CCU:• Microsoft Internet Explorer (IE) 8 & 9 (No support for Internet Explorer 7 and earlier versions). Windows XP users will be presented IE 8 and Windows Vista and Windows 7 users will be presented with IE 9.• Mozilla Firefox (No support for Firefox version 3 and earlier versions)• Google Chrome (Chrome includes automatic updates)• Apple Safari

Other browsers such as Opera have not been tested, so you may encounter issues if you use this browser. If CCU detects an older browser version, we will present a message that you are using an outdated browser and should update to a more modern browser. You will then be prompted with options to download Internet Explorer 8 or 9, Firefox or Chrome.As always we are here to help you. If you have questions about your browser, contact us, or you can even search out answers in our FAQs on the front page of www.ccuFlorida.org.

CCU had the pleasure of spending time with some cute and furry friends recently at the Central Brevard Humane Society in Cocoa. CCU contributed to the Canine Commandos program which is a program for gifted students from Indialantic Elementary along with 19 other schools. The Commandos’ goal is to help get dogs adopted into good homes and to spread the

word to other schools so they can join the fun too. They spend time with the dogs training them basic obedience commands.You can find out more information or make a donation to Canine Commandos at www.caninecommandos.com, as well as to the Central Brevard Humane Society at crittersavers.com.

Time to upgrade your computerand your internet browsers!

¹The HomeFree Mortgage offers both a no closing cost loan as well as a lower rate option which does include closing costs. Loan rates are based on credit history, loan terms, and borrower qualifications. Contact CCU to determine your rate.

CCU makes donation to the Canine Commandos Program

Virginia Hamilton with Wagner, an adoptable 1 yr old Pit/Catahoula mixpet at CBHS

Canine Commandos with Goldie, an adoptable pet at CBHS

Conan, an adoptable 3 yr old Shepherd Mix at CBHS

Canine Commando student receiving instruction from volunteer

Please consider adopting your new pet at a shelter like the Central Brevard Humane Society. They have a variety of cats, dogs, kittens, puppies, birds, rabbits, ferrets, and other small animals that are looking for their new “forever” home with loving and caring individuals. CBHS also has a “Low Cost” Spay/Neuter & Wellness Clinic and are doing their part to end pet overpopula-tion by offering low cost spay and neuter service to the public.

DepositsYou can deposit at many of our ATMs! As a member you have access to over 50,000 FREE ATMs nationwide and you can make deposits as well as withdrawals. To find a location near you, visit www.ccuFlorida.org.

Federally insuredby NCUA.

Important Dates:New Year’s Day Holiday - Jan 1st - ClosedMartin Luther King Day - Jan 21st - ClosedPresident’s Day - Feb 18th - Closed2013 Annual Meeting - March 21st, 7pm EQUAL HOUSING

OPPORTUNITY

have earned a reputation of being easy to do business with and this is another step torward bringing clearer, smarter, brighter, and better products to our members.”Mobile deposit will be a FREE service for members who are at least 18 years old, have an active checking/savings account, are currently using the eBranch, have a valid email address on file, and are a member in good standing at CCU for at least 90 days.To enable the service on your mobile device, you will have to download the CCU app from the Google Play or App Store. If you are already using CCU’s mobile product, you will be automatically prompted to download the upgraded app. Simply log in to the app with the same password you use for the eBranch. If you are not enrolled on CCU’s eBranch, you must sign up for an online account before you can use the service. Call a friendly member service representative at 321.690.2328 to get started.We also want you to try our other mobile solutions as well. Are you an iPad user? Go to the App Store and search for the CCU Florida iPad app to download. Are you a texter? Sign up on the CCU website for text messaging by logging into the eBranch and clicking the Mobile Banking and Alerts in the list below the grey account information bar. Simply provide us with your mobile number to activate the service.

Starting February 1st, you will be able to use CCU’s FREE mobile app to make deposits into your account from anywhere you want. Members can deposit checks, view the status of deposits and review mobile deposit history from anywhere using a smart phone with a camera. Mobile deposit is convenient and will save you a trip to one of our branches or ATMs. It’s also secure, and you can rest assured it is as safe as online banking.“Community Credit Union has made a commitment to our members to bring high quality products and innovative services that embrace technology and help to make their lives easier,” said David Brock, President and CEO of CCU. “We

Deposit checks via CCU’s Mobile Deposit - Coming February 1st

Board of DirectorsHenry L. “Jack” Kelley, CCDChairmanDortha G. EverhartVice ChairLinda P. Dale, CPASecretary/TreasurerBetty A. DunnDirectorJim PlatmanDirector

Board Members and Executive Staff

Senior ManagementDavid O. Brock, CCUE, CCEPresident/CEOLaurie Cappelli, CCUE, CCE Senior Vice PresidentDavid HillVP of TechnologyLesli Dooley, CCUE VP of Organizational Development

Jim Chastain VP of Commercial Srvs.Margaret Hasenbeck VP of Acctg/Finance

321.690.2328 • 800.690.2338Contact UsAccess Mobile Banking at https://mobile.ccuFlorida.orgDownload Apps for Android, iPhone and iPad for easy access on your favorite portable device.Branch LocationsRockledge - 1030 S US Highway 1Port St. John - 6269 N US Highway 1Palm Bay - 1325 Palm Bay Rd.Melbourne - 333 E. NASA Blvd.Viera - 7380 Murrell Rd., #102Titusville - 3125 S. Washington Ave.Indian Harbour Bch - 293 E. Eau Gallie Blvd.

Text Balance & TransferFor a complete list of text codes or to signup for text access to obtain balances and do transfers, please visit www.ccuFlorida.org.Apply for a loan anytime by calling 321.637.3211 or online by logging in at www.ccuFlorida.org. Access your account 24-hours a day by calling Telli at 321.631.4611 or 888.636.4611

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Need Money? Apply Online for a Loan 24/7/365 If you need money to buy a car, or want to apply for a credit card you know that CCU is the place to go. But, did you know that you can apply for a loan 24 hours a day, seven days a week, 365 days of the year?For those of you who work full time, are out of town, or have a hard time getting to a branch during normal operational hours, you may apply by phone or Internet anytime during the day or night. When you call after hours, you will still get a real person at our “remote” call center to take your loan application. We will start processing the application right away.In addition, if you feel more comfortable submitting a loan application via the Internet, just log on to www.ccuFlorida.org click on the Loans tab at the top in the gray bar, then the Apply for Loan tab to fill out a Loanliner application. Or you can apply via your mobile phone, just click on the CCU mobile app, go to the More page and then choose the Apply for a Loan tab. Be sure to have all your pertinent information when you apply.You may apply for any type of loan – from auto loans, a credit card or mortgage loans all in the comfortable environment of your own home. After applying, you’ll either receive a loan decision immediately, or you will receive a call or email from one of the CCU employees the next business day. Either way, applying for a loan is available to you 24/7/365, not just when we are open. No matter what time of day or night, we are available to take your loan application. Apply today at 321.637.3211 or www.ccuFlorida.org and experience our hospitality!