DIRECTORSFred S. Browne, Jr.

Chairman

Michael F. HesterVice Chairman

Richard W. TresslerTreasurer

Janet E. BrewerSecretary

Richard J. AlbertGilbert B. Croft

Dennis M. Johnson

SUPERVISORY COMMITTEE

Maureen GimenezChairman

Richard J. AlbertCynthia Sterchele

Daniel Collins Samuel Davis, Jr.

Alvin J. Cowans, CCUE

President/CEO

Website:www.mccoyfcu.org

Email:mccoy@mccoyfcu.org

(407) 855-5452 (888) 584-7701

Holiday ClosingsLabor Day • Monday, September 4 Columbus Day • Monday, October 9

LOCATION1900 McCoy RoadOrlando, FL 32809

WHENSaturday September 30

FALL SHRED DAY!

2 Trucks - Faster Service!

Important Changes For Shredding EventsShred Day events are free to McCoy members only. Please bring proof of credit union membership to show upon request. (Example: membership card, debit or credit card, checkbook or statement). Because of the popularity of our Shred Days, shredding will be limited to 5 legal size boxes (about 50 pounds) of material per vehicle. Documents, file folders, envelopes, checkbooks and similar items can be shredded; staples and paper clips do not need to be removed. NOTE CHANGE: All plastic trash bags and cardboard boxes cannot be shredded and will be returned after emptying the contents.

The following items cannot be shredded:Wet material / Plastics / 3 ring binders / Heavy-duty metal clips / Electronic Media/ Medical X-RaysPlastic Trash Bags & Cardboard Boxes

Shred Day events are on a first come, first serve basis and will run for the scheduled time or until the shredding truck is full, whichever comes first. Shredding cannot be done in inclement weather. All shredding dates and locations are subject to change without notice. For complete shredding information, please visit our website at www.mccoyfcu.org/promotions/shred-day.html

TIME: 9 AM - 12 PM

MobiMoney Debit Card Controls

Reward Yourself with Rewards!and Perks Points Mall

MobiMoney is a mobile app that offers a convenient way to manage your McCoy Visa Debit Cards. MobiMoney allows you to easily activate and deactivate your Debit Cards, receive instant alerts on your mobile devices, and limit usage based on location, merchant preferences, transaction type, and threshold amounts. These innovative features help reduce fraudulent transactions and protect your accounts. MobiMoney is compatible with any Android device using 3.x OS or newer or any Apple devices using and Apple iOS 6.x or newer. Download the MobiMoney app from Google Play or Apple iTunes and register your Debit Cards today!

Earning Points is SimpleUse your VISA Signature Credit Card to earn 1.25 points for every $1 spent, your VISA Platinum Reward Credit Card to earn 1 point for every $1 spent or your VISA Debit Rewards Card to earn 1 point for every $3 spent on gas, groceries, restaurants, and on all other purchases. Combine your Credit Card and Debit Card points for higher redemption potential! Earn even more points and save BIG with Perks Points MallShop brand name merchandise at our online network of merchants and be rewarded even more. You will earn bonus points on all purchases made using Perks Points Mall. What’s more, many merchants offer exclusive discounts on top of the bonus points. Visit https://www.dreampoints.com/mccoyfcu/ to learn more.

Every time you use your VISA Platinum Rewards Credit Card, VISA Signature Credit Card or VISA Debit Rewards Card, you’ll earn reward points. From travel to extraordinary experiences, the selection is endless. Redeem your points for exciting rewards

GoToMyCard With GoToMyCard, you can view key details about your credit card accounts from your computer or mobile device. GoToMyCard is a free service for all McCoy Federal Credit Card holders.

Register at GoToMyCard: To register your credit card, visit our home page at www.mccoyfcu.org. Click on the red GoToMyCard button located at the top right of the page. GoToMyCard allows you to: View account summaries, recent activity and statement summaries and activity. Make payments, balance transfers, request credit limit increases, dispute transactions and change or update your information. You can also contact customer service for further assistance.

including gift cards, brand-name merchandise and travel, plus a cash rebate option (Visa prepaid card) for Visa Signature Credit Card & Visa Debit Rewards Card!

Browse retailers and offers Browse your favorite retailers, coupons, products through McCoy Money mobile application or browser extension. Shop as usual From there, you will be brought to the retailer's existing site where you can continue shopping and making purchases as usual. View pending rewards Rewards are automatically posted to your McCoy Money page in 1-7 days, where they can then be viewed in their dashboard. Receive rewards Each month* you will receive a check directly for all your cash rebates from your shopping activity.

To sign up, visit https://mccoymoney.retailbenefits.com

McCoy Money

*After purchase accrual time and minimum balances are met, please see complete Terms & Conditions at https://mccoymoney.retailbenefits.com/terms_conditions.

PRESORTEDSTANDARD

U.S. POSTAGEPAID

ORLANDO, FLPERMIT NO. 1665

Federally Insured By NCUA

Credit CardsVISA Platinum: variable rate as low as 8.50% APR*VISA Platinum Rewards: variable rate as low as 9.50% APR* VISA Signature Cash Back: variable rate as low as 10.50% APR*

Late Fee/Returned Check: Maximum of $25 but not more than the minimum monthly payment. Over Limit Fee - None - account balance cannot exceed credit limit. Cash Advance: 3% (minimum of $10) *Annual Percentage Rate

New Auto & TruckUsed Auto & TruckRV & Travel Trailers

Boats

Motorcycle

1st Mortgage

2nd MortgageHome ImprovementHome Equity LoanLand/Lot LoansLine of CreditUCC - 1 (Household)Other Secured – Max 48 monthsUnsecuredShare SecuredShare Cert. Secured

*Annual Percentage Rate Note: All Rates Subject To Change Without Notice

rates as low as 2.50% APR* up to 60 monthsrates as low as 3.00% APR* up to 60 monthsNew: rates as low as 7.50% APR*Used: rates as low as 8.25% APR*New: rates as low as 6.75% APR*Used: rates as low as 7.50% APR*New: rates as low as 3.50% APR*Used: rates as low as 4.00% APR*Mortgages Made SimpleWe are proud to offer McCoy Federal Credit Union Mortgage Solutions designed to meet your specific mortgage needs. Visit our website for more information and rates. rates as low as 4.00% APR* - 100% LTVrates as low as 4.00% APR* - 100% LTVrates as low as 4.00% APR* - 100% LTVrates as low as 10.00% APR*rates as low as 10.50% APR*rates as low as 12.50% APR*

rates as low as 11.00% APR*rates as low as 8.50% APR*3.50% APR*interest rate equal to 2% above certificate rate or the Share Secured rate whichever is higher

Loan Products

Share Rates: .1501% APY* (Balances of $50 and more)Anticipated dividend rate for 2nd quarter 2017. Dividend rate compounded quarterly. A $5.00 fee will be charged on share (savings) accounts when the balance falls below $50 on the last day of the month. This will reduce the earnings on the share (savings) account. IRA: .3505% APY*Dividend rate for 2nd quarter 2017. Dividend rate compounded quarterly. MMSA, HSA & Total Business Checking: .2002% APY*Dividend rate as of 03-01-13 • *Annual Percentage Yield

NO Annual Fee

Rates effective as of 02-12-13 • Rates shown as Annual Percentage Yield

Share Certificate RatesBalance 6 Month 12 Month 24 Month 30 Month 36 Month 60 Month

$1,000 - $4,999 .2002% .2503% .3004% .3506% .5011% .6017%$5,000 - $24,999 .3506% .4007% .4509% .5011% .6519% .7526%

$25,000 - $99,999 .5011% .5514% .6017% .6519% .8029% .9037%$100,000 + .6519% .7023% .7526% .8029% .9541% 1.0551%

Contact Numbers (All Locations)Telephone 407-855-5452Toll Free 888-584-7701

TONI-the-Teller (24 hr. Telephone Account Access)Telephone 407-857-8245Toll Free 888-584-8268

Hours of OperationLobby:Mon - Thu 9:00 am – 5:00 pm Fri 9:00 am – 6:00 pmDrive Thru:Mon - Thu 8:00 am – 5:30 pm Fri 8:00 am – 6:00 pmCall CenterMon - Thu 8:00 am – 5:00 pm Fri 8:00 am – 6:00 pm

Aloma LocationMon - Fri 9:00 am – 5:00 pmVA Outpatient ClinicMon - Fri 8:00 am – 4:00 pmEmail: mccoy@mccoyfcu.orgWeb Site: www.mccoyfcu.org

LOCATIONMcCoy Road1900 McCoy RoadOrlando, FL 32809

WHENSaturday September 30

FALL SHRED DAY

2 Trucks Faster Service!

TIME9 AM - 12 PM

Privacy Statement

Update Your InformationKeep us informed so we can serve you better!If you have changed your address, email address, cell phone number, or home phone number, it is important to update your contact information with McCoy. This will help us reach you quickly if we have a concern about your account or a suspicious transaction, or if there is important information we need to provide to you.

To update your personal information:Log into MyMcCoy and click on My Preferences tab and select Contact Information.

Contact our Call Center at 407-855-5452 (888-584-7701, toll-free),

Visit a branch and speak with a Member Service Representative, or

Mail a signed request to us at: McCoy Federal Credit Union, Member Services, P.O. Box 593806, Orlando, FL 32859-3806

Privacy Statement - Page Two