April 2016

NEW MechanicalRepair Coverage

We Have the Answer toAll Your Lending Needs

Get Schooled at OurCollege Planning Seminar

NEW Interest-OnlyHome Equity Line of Credit

Make the mostof your home’s

EQUITY.

Choose yourCredit Union for

your home equityfinancing & SAVE!

Volume 34, Issue 2

Are you looking for a flexible,low-cost way to make the mostof your home’s equity? Our NEW Interest-Only Home Equity Lineof Credit is a great option!You’ll enjoy:

1.99% APR* for12 months (current rate as low as 3.00% APR*)

Lower monthly payments withinterest-only paymentsthroughout the 10-year draw period

home’s equity

Plus, no prepayment penalties and no annual fee. Your interest may be tax-deductible too (consult a tax advisor).

Apply today!Online: abecu.orgIn person: at the local branch

*APR = Annual Percentage Rate; APR effective 3/1/16. Introductory rateis applicable for first twelve months following open date. After thisintroductory period, APR is based on the Prime Rate plus or minus amargin based on underwriting & loan-to-value (LTV). APR may vary withPrime Rate after account opening; Floor = 2.0%, Cap = 15.0%.Loan features 10-year draw & 15-year repayment period. Current 3.0%APRreflects best rate available based on less than 80% LTV & individualcreditworthiness. All loans subject to approval; membership eligibilityrequired. Equity limits & underwriting requirements vary by state.Home equity lines of credit are not available to residents of Texas;Choice Home Equity loans are available to qualifying members in allstates. Due to geographic limitations, these loans may not be available tomembers not living near a branch office. Rates, terms, and conditions aresubject to change.

If you’ve logged into your accountvia OnlineAccess or MobileAccess+recently, you're sure to have noticedsomething new…Purchase Rewards!

Purchase Rewards is a FREE programthat lets you earn cash back by usingyour Credit Union Visa® debit card topurchase merchandise and services.So, now you can enjoy exclusive cashback offers at the types of places youlike to shop and there’s no limit to theamount of cash back you can earn!

Here’s how it works:

to activate exclusive cask backoffers at the places you like to shop.

online or in stores to redeem youroffers by paying with your CreditUnion Visa debit card.

cash back – deposited into youraccount at the end of the month.

The Purchase Reward offers availableto you are based on how you currentlyshop using your debit card to ensureyour offers are relevant. It’s importantto note, your personal informationis secure and is not shared with theparticipating retailers.

Log in to your account today viaOnlineAccess or MobileAccess+ andcheck out and activate your exclusiverewards opportunities.

Turn EverydayPurchases intoCash withPurchase Rewards!

auto mortgage

credit cards ANY REASON

We have the answer to allyour lending needs!

Here at your Credit Union, you can discover a wide range of loanservices – with competitive rates and convenient repayment options.

Auto Loans. Get behind the wheel with our low, competitive ratesand easy loan process. Already have a vehicle? Refinance and youcan benefit too!

Home Loans. Whether you’re buying or refinancing, our mortgageloan consultants are here to guide you through our easy applicationprocess and great financing options.

Credit Cards. Enjoy our lowest rate with Preferred Platinum Visa®

or earn points for your purchases with Platinum Points Visa®.With rates traditionally lower than other financial institutions,no matter which card you choose, you’ll save!

Your Credit Union also offers: Any Reason, Any Season Loans,Energy Loans, Lines of Credit, Business Loans and Credit Cards,Computer Loans, and more. For more information on these andother loans available at your Credit Union or to apply for a loan,visit abecu.org. NMLS# 401252

Discover 24/7 safety and security with CU Road Pal. Find your savings and enroll today. Visit our Auto Center at abecu.org.

Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal.

Service. Safety. Value.

Emergency tow up to 10 miles

Emergency lockout service

Flat tire repair

Fuel delivery service

Outstanding value on family plans

*Based on individual roadside assistance plan.

St. Louis Area Members:For more than 12 years, your Credit Union has proudly supported the Saint Louis University Division of Rheumatology’s Lupus and Juvenile Arthritis research efforts via the Annual Golf for Lupus and JuvenileArthritis Golf Tournament.

This year’s tournament will be held on Saturday, May 7th at Norman K. Probstein Golf Course in Forest Park.

The registration fee is $125 per player before April 30th (fee is $135 per player after April 30th). Registration includes golf green fees, continental breakfast and lunch, and a golf cart (shared with another player).

In addition to a great day of golf, you’ll also enjoyraffles, skill contests, door prizes as well as silent andlive auctions.

Join us for a day of golf and help fund Lupus andJuvenile Arthritis research. To register for the golftournament or to learn more about Lupus andJuvenile Arthritis, visit lupus.slu.edu.

22nd AnnualGolf for Lupus &Juvenile ArthritisTournament

Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee, adding resale value and appeal. Cancelable: receive a full

refund within the first 60 daysor a pro-rated refund thereafter less an administrative fee. No out of pocket expense at

time of mechanical repair: (except for any deductible and any repairs not covered by the policy) – the covered repair is paid directly to the authorized repair facility by the plan. Ask about deductible options.

*Program details may vary by state. Contact your local branch representative for details and/or a quote, or contact our Call Center at 877-325-CU4U(2848).

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER'S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. MRC-896721.1-0414-0516 © CUNA Mutual Group 2014, All Rights Reserved.

The miles can add up but the repair costs don't have to.MEMBER'S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there's a plan to fit your family's budget.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that's safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program*:

Good at any authorized repair facility in the U.S. or Canada. Rental reimbursement: up to

$35 per day for 5 days (or 10 days for a parts delay) from day one. 24-hour emergency roadside

assistance: up to $100 peroccurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.

Travel expense reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than100 miles from home.

Now Available:Mechanical Repair Coverage

Are you planning for college, but have more questions than answers? This event is for you! Your friends at your Credit Union have arranged for speakerTracie McGetrick to present a special seminar on preparing for, paying for, and staying in college. You’ll learn:

Thursday, April 286:00 p.m. - Doors open/check in(light refreshments provided)6:30 - 8:30 p.m. - Program

Holiday Inn - South County

6921 South Lindbergh

St. Louis, MO 63125

RSVP by Friday, April 22reservations limited 3 per household

314-657-9302or email marketing@abecu.org.

schooled?

COLLEGE PLANNING

SEMINAR

Ready to get

Your deposit accounts are insured up to $250,000 and IRA accounts up to $250,000by the NCUA, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. NMLS# 401252

BRANCHESBaldwinsvilleCartersvilleColumbusCedar Hill/DallasFairfieldFort CollinsHoustonJacksonvilleLos AngelesMerrimackNewarkOrlandoSan AntonioSan DiegoSt. Louis Lynch Street Nestlé Purina Chippewa Street West County Creve Coeur Crestwood SoCounty/Union Rd SoCounty/Tesson Ferry Fenton Florissant Jefferson County O'Fallon, MO Shiloh, IL TampaWilliamsburg

315-635-3487770-606-3240614-888-2299972-293-9506707-429-0105970-221-4541713-676-0939904-751-3335818-779-1105603-429-0434973-824-7071407-370-2406210-684-4811619-225-3230

314-771-7700314-657-9600314-832-8500314-821-2442314-720-7200314-835-2900314-894-3555314-467-1400636-305-3900314-972-5000636-282-7030636-980-9800618-628-4000813-985-8552757-253-3894

CONTACT US

is published quarterly for all members.Questions and comments are always welcome.Contact: Joel McDaniel, Editor1001 Lynch Street, St. Louis, MO 63118-1818(800) 325-9905 ext. 8309E-mail: marketing@abecu.org

2016 Branson TripYour Credit Union is sponsoring a three-day trip toBranson, MO. The coach bus leaves St. Louis onThursday, November 3rd and returns Sunday,November 6th.You’ll enjoy three nights at the Grand Plaza Hotelin Branson. Plus, enjoy four shows including theDixie Stampede, Moses Matinee Show,the Grand Jubilee Evening Show and the Million DollarQuartet Evening Show.Cost is $620 per person (double occupancy) andincludes transportation, hotel accommodations,all shows and all dinners. Due to trip popularity,attendees are reserved on a first-pay, first-bookedbasis. Reserve your space today by contactingKayla at 314-657-9308 or 800-325-9905 ext. 8308.

FREESHRED DAY

Kick off spring cleaning and protect your identity!

Saturday, April 30th9am - noonCreve Coeur

12395 Olive Blvd

Jefferson County1334 Jeffco Blvd

St. Louis/South City1001 Lynch St

Crestwood9895 Watson Rd

Saturday, May 7th9am - noon

Florissant1075 N. Lindbergh Blvd

Fenton304 Summit Rd

West County2175 Barrett Station Rd

South County3805 Union Rd

Secure destruction of sensitive materials will be performed on-site by a trustedand qualified shredding service. Please be sure your paper is free of metal clips.

Paper clips and staples are acceptable.Questions? Contact Kayla at 314-657-9308 or klackner@abecu.org.

abecu.org | ameaglecu.org | purinacu.org | 877-325-CU4U (2848)

@AnheuserBuschCU

Our Field of Membership...ABECU serves the employees and retireesof Anheuser-Busch Companies, wholly-owned subsidiaries and distributors ofAnheuser-Busch products. The Credit Unionserves contract employees reportingto Anheuser-Busch employees as well asfamily members of its members includingspouse, children, stepchildren, parents,brothers and sisters, grandparents andgrandchildren, aunts, uncles, nieces and nephews, plus in-laws. The Credit Union also serves the household members of its members including those living in the same residence, maintaining a single economic unit.

Becoming a member is easy.Apply online at www.abecu.org or call877-325-CU4U (2848) to request a new member packet.

ABECU is an independent financial institution,chartered by the state of Missouri, which isowned and operated by its membership.The Credit Union is not a subsidiary ofAnheuser-Busch Companies, Inc., or anyof its affiliates.

CALL CENTER877-325-CU4U (2848)

CUE PHONE314-771-0064800-228-6755

LOAN BY PHONE866-577-9223

OnlineAccesswww.abecu.org E-MAILinfo@abecu.org

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