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Kids Will Have Fun Learning to Save with Kirby Kangaroo®!Ask your children about their goals and dreams for the future. They may have visions of greatness, but they probably don’t know how to get from here to there. You can

help your child learn to develop good savings habits and reach their goals by opening an INFINITY Federal Credit Union youth account. Once you open an account for your child,

he or she will be enrolled in our brand-new Kirby Kangaroo Club, a financial education program designed especially for kids!

The Kirby Kangaroo Club helps children through age 12 learn important lessons about money. Once enrolled in this innovative and fun program, children will receive rewards for saving money at the credit union. They’ll also receive a quarterly newsletter, their own savings passbook to record deposits and withdrawals, and access to the entertaining and educational Kirby Kangaroo Club website. Best of all, they’ll learn how to save for their

goals and dreams.

Stop by any INFINITY office today and open up a Kirby Kangaroo account for your child – we’ll even contribute the required $5 opening deposit! INFINITY Federal Credit Union and Kirby Kangaroo—helping kids achieve their dreams.

CU Succeed® Teens Financial Network CU Succeed is an exciting program designed especially for teens age 13 to 17, brought to you by INFINITY FCU!With CU Succeed®, teens can learn to manage their money and get valuable information on a wide variety of financial topics. Everything is covered—from balancing a checkbook to funding a college education. Best of all, the program is fun, and FREE! We’ll even contribute the $5 opening deposit!To join CU Succeed® or to find out more, call or visit any INFINITY office.Don’t wait—do it today!

Fee Schedule Change – Effective May 15, 2014Loan Skip-a-Payment Fee……………$25.00

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President’s Message

Notice of Annual Meeting and Board ElectionsINFINITY’s Annual Meeting will be held on Thursday, May 8, 2014, at 6:00 p.m., at the Centurion Conference Center, 202 Larrabee Road in Westbrook, ME (adjacent to INFINITY’s main office).

The Nominating Committee has received the necessary paperwork from three candidates for the three seats available on INFINITY’s Board of Directors. The candidates are John Lander, Donald Nelson and Thomas Little. Since there were no petitions received, according to the Bylaws, there will be no need to send ballots for the election process, and nominations will not be taken from the floor at the Annual Meeting. The Secretary will cast one ballot for each candidate listed above.

Individual Retirement Account Withholding NoticePayments from your IRA are subject to federal income tax withholding, unless you elect no withholding.

You may change your withholding election at any time prior to your receipt of a payment. To change your withholding election, complete the appropriate form provided by your credit union.

Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay.

You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

Go Mobile! INFINITY members can access their accounts almost anywhere with Mobile Banking. With our free app for smart phones, you’ll be able to:• Check account balances• Review transaction history• Transfer funds between accounts• Make Person-2-Person transfers• Pay bills electronicallyIf you’re looking for the utmost in banking con-venience, don’t waste another second. Visit your phone’s app store and download our free app today.

On The Move? Keep Us Posted. Whether you’re headed to your second home for the season, downsizing or seeking space for your growing family, if you’re on the move, please keep us posted. We want to make sure important tax and other account information finds its way to you, so please advise us of any changes to your mailing address.

There’s no need to close your account if you are moving cross-town or cross-country. You can take INFINITY with you! Your INFINITY debit and credit cards are accepted virtually everywhere and with Shared Branching, e-Statements, Online Banking and Bill Pay, and other electronic services, we are always just a few clicks away. So don’t leave us behind -- we’re your financial partner for life, and we want to stick with you. Just let us know how we can stay in touch.

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Community Corner Casual Jeans Fridays – Food Pantry DonationsBy donating $2 for the privilege, INFINITY staff can wear jeans on Fridays, with the proceeds to benefit local food banks. We are proud to announce we raised a total of $1,101 for the 4th Quarter 2013, with $367 each being awarded to the following food banks: Arundel Food Pantry, Manna, Inc. (Bangor), and Project FEED (Portland).

INFINITY is pleased to contribute to the following local organizations as part of its Community Investment Program:

Amy Safford of Community Partners, Inc., accepting a check from Terry Vetrano, Arundel Branch Manager.

Nancy Barrett, Portland Branch Manager, giving a donation to Claude Rwaganje of Consumer Financial Literacy.

Check Your Credit Reports - It’s Free Monitoring your credit history is one of the best ways to protect yourself from identity theft. Every year, you can get one free credit report from each of the three national credit bureaus: Equifax, Experian and TransUnion. You can request all three reports at once, or you can spread out your requests by ordering from a different bureau every four months. By spreading the reports out, you can do your own no-cost-monitoring service.

To order your free credit reports, visit www.annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

ATM Safety 101 Almost all credit union members use an ATM at some point during a typical week - making deposits, withdrawing cash, etc. By nature, credit union ATM services are affordable and convenient for members, leaving out pesky fees, and providing expansive networks.

However, with this convenience may also come a price - ATMs can compromise your safety. Robbers often see ATMs and their users as easy targets. But by being vigilant and following some simple tips, you can beat these bandits at their own game while enjoying the perks of ATM usage.

The Electronic Funds Transfer Association (EFTA) offers some valuable ATM safety tips:• Always pay close attention to the ATM and your

surroundings.• Be wary of people trying to “help” you with your

ATM transaction.• Don’t use an ATM that appears unusual looking

or offers options that you are not familiar or comfortable with.

• Don’t allow people to look over your shoulder as you enter your PIN code.

• Do not re-enter your PIN if the ATM “eats” your card - contact a credit union official immediately.

• Never write your PIN on the back of your card.• Do your automated banking in a public, well-lighted

location.• Never count cash at the machine or in public.• When using a drive-up ATM, keep your engine

running, doors and windows locked, and leave enough room between your car and others in the drive-up line.

• Closely monitor your statements and balance - immediately report any problems to the credit union.

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p a g e 4All rates subject to change without notice.

Office Hours and TDD AccessMonday through Friday9:00 AM to 5:00 PM

Saturday 9:00 AM to Noon (Lobby service in Westbrook,

Bangor, & Arundel)Main Telephone: 854-6000Toll Free: 1-800-499-8401

24-7 Loan ApplicationsPhone: 1-800-499-8401, option 4

Online: www.infinityfcu.com

FAXWestbrook: 854-6054Portland: 854-6074Bangor: 945-4857Arundel: 282-4927

Lending Department: 854-6064

Mailing AddressP.O. Box 9742

Portland, ME 04104-5060

Branches202 Larrabee Road · Westbrook, Maine

854-60004 Davis Farm Road · Portland, Maine

854-6000193 Broad Street · Suite 1 · Bangor, Maine

945-42841298 Alfred Road · Arundel, Maine

571-1753http://www.infinityfcu.com

Holiday ClosingsMonday, April 21 Patriots Day

Monday, May 26 Memorial DayWe may be closed, but our

automated services are always available:

• Online/Mobile Banking• ATM/Debit Card• Telephone Banking• 24-7 Loan Applications

2013

Your Home Can Be a Source of FinancingDid you know that, for many people, the best and lowest-cost source of financing is, literally, right under their own feet in their own home? That’s right, if you have a reasonable percentage of equity in your home, you can get a low-cost Home Equity loan.

You can obtain the financing in the form of a closed-end Home Equity Loan for a specific purchase or a Home Equity Line of Credit to tap anytime you need it. And in most cases, the interest you pay on a home equity loan is tax-deductible (consult with a tax expert first before taking the deduction).

The loan process involves a few simple steps. But depending on the amount of the loan and the amount of equity in your home, the loan can be available in a few days. Call, stop by, or apply online at www.infinityfcu.com today to see if you qualify for a Home Equity loan.

*Home Equity Loan: Fixed rate for 5 years. Rate varies based on your credit qualifications and home’s equity. Available for up to 80% of property’s value (in Maine only). Other rates and terms available for up to 90% and for up to 20 years – ask us for details. $5,000 minimum. Closing costs may apply. Estimated monthly payments: 5 years at 3.25% = $180.82 per $10,000.

Home Equity Line of Credit: Variable rate based on Prime Rate plus a margin; amount of margin ranges from +0 to +3.50, depending on your home’s equity and credit history. Your rate will adjust quarterly based on Prime Rate the first of the month prior to your change date. Available for up to 80% of property’s value (in Maine only). Other rates available for up to 90%. Floor of 3.00%, maximum 18%. $5,000 minimum. Closing costs may apply.

As low as3.25%

APR*

For Sale2012 Dodge Ram, 1500 Quad Cab ST, 13,620 miles.

2008 Kia Sorento, 117,280 miles, sold as is.

If interested, contact INFINITY’s Collection Dept. at (207) 854-6000, ext. 1078.

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