Holiday ClosingsAll U$X Federal Credit Union Offices will be closed on the following dates in observance of the related holiday:

Please contact your local branch office for other changes to normal operating hours.

Conveniently Located To Serve You Better

1-888-219-3159www.usxfcu.org

Audio Response 1-800-590-0207

Fall 2016 Volume 26 Issue 3

U$X Federal Credit Union®President's Message

Cranberry MainAdministration and Legal Correspondence

1293 Freedom Rd PO Box 1728 Cranberry Twp PA 16066-0728

Fax: (724) 779-4656

Cranberry East1694 Route 228 Ste 106Cranberry Twp PA 16066

Findlay1038 Interstate CtFindlay OH 45840

Greensburg

55 S Washington Ave Greensburg PA 15601

JeffersonMOB Ste 109B 575 Coal Valley Rd

Jefferson Hills PA 15025

Marathon539 S Main StRM D-01-024

Findlay OH 45840

Monaca400 Frankfort Rd

PO Box 222Monaca PA 15061

New Stanton100 Bair BlvdPO Box 657

New Stanton PA 15672

Petrolia206 Main Hill Rd

Petrolia PA 16050

PittsburghConcourse Level

600 Grant StPittsburgh PA 15219

Sarver479 N Pike Rd

Sarver PA 16055

Columbus DayMonday, October 10, 2016

Veteran’s DayFriday, November 11, 2016

Thanksgiving DayThursday, November 24, 2016

Christmas Day Monday, December 26, 2016

New Year’s DayMonday, January 2, 2017

U$X Federal Credit Union is an exceptional organization. Every year we subject ourselves to multiple audits, comply with hundreds of federal regulations, expand our security capabilities and achieve solid financial results in the midst of a challenging economy. As excellent as these accomplishments are it is not these which set U$X FCU apart. I believe the following items are some of the highlights which set us apart.

• Focus on members. In every decision our employees do the right thing for the member in front of us, all the members, and for future members.• Treat every member right. We strive to leave each member in better financial shape than when we found each other.• U$X FCU is an educational organization. We will tell members the steps you can take to improve your financial situation.• U$X FCU applies our rate schedules and fees consistently to every member. Rates are based on risk levels and demand for services. Fees are based on member need for special services or the consequences for actions a member has taken.• U$X FCU is locally governed. As a member owner you can elect those on the Board of Directors. If you think we can do something better, we want to hear your ideas.

If you haven’t stopped by to have us check out your financial situation, you are missing out on an important benefit we offer to our members and their families. We would love to see you.

If you consider the way U$XFCU operates to be a good standard by which to evaluate an organization, then you may find these questions like what we use to evaluate our operations equally useful for evaluating political candidates. • Look at what a candidate has done, not what they say. • Will they operate their department cost effectively?• Will they allow people to make their own decisions or will they try to dictate what they must do?• Do they spend money like I do?• Will their actions make people more or less self-sufficient?• Will they apply the law of the land (the constitution) equally to every citizen of the United States?• Will they invite people into our country who value the American dream of liberty, justice, equality and freedom? • Will they protect me, my family, my community, and our nation from people, nations and movements that are opposed to that dream?• Will they facilitate making decisions at the local level or consolidate power and make decisions in a centralized manner?• Do they have character?

This election is important to U$X FCU. The more federal regulations that U$X FCU is required to comply with, the less liberty we have as an organization to innovate, to serve our members and to earn a bigger return for our members. These regulations can restrict how we can operate. When you vote, educated by reviewing the facts, you can impact your world in a significant way.

Thank you for your membership and the opportunity to serve you.

David R AckermanPresident/CEO

WHAT IS MOBILE CHECK DEPOSIT? Mobile Check Deposit is a simple way to use a smartphone to deposit checks into your checking account. This can also be referred to as “remote deposit capture.”

How do I use Mobile Check Deposit? It’s as easy as snapping a photo. Just follow these steps. 1. Open the app2. Enter the deposit amount and choose your account3. Take photos of the front and back of your endorsed check – make

sure all corners of the check are within the photo image and that the image is clear

4. Get confirmation of your deposit How do I properly endorse your check? Checks should be endorsed “For Deposit Only at USX FCU” then sign the check

When will my remote deposit be available? Mobile deposits are processed at approximately 10:00 A.M. and 4:30 P.M. daily, Monday through Friday. Please allow adequate time for your deposit to be credited to your account.

Notice of Election An election to fill two vacancies on the U$X FCU® Board of Directors will be held at the Annual Meeting scheduled for April, 2017. The exact date and venue to be announced. No nominations will be accepted from the floor. A Nominating Committee appointed by the Chairman will nominate candidates for election to the Board of Directors. The Nominating Committee will select one nominee for each vacant seat on the Board. Interested members can become a candidate for Board Membership by requesting a “Petition Packet” from the Nominating Committee. The “Petition Packet” will require the member to obtain the name, address, account number and signature from 1% of the membership as of the previous year-end. The petitioner must submit the complete packet to the Nominating Committee by December 2, 2016. The Nominating Committee will then validate the candidate and verify the information submitted in the “Petition Packet”. Once the Nominating Committee has approved the candidates, the names of all qualified candidates running for election to the Board will appear on the ballot at the Annual Meeting. A short biography of each candidate will appear in the next quarter’s newsletter. The members present at the Annual Meeting will vote to determine who will serve on the Board of Directors. Any member of the credit union at least 18 years of age may qualify to serve on the Board of Directors. If you have an interest in serving, you may request a “Petition Packet” by writing to: Chairperson, Nominating CommitteeU$X Federal Credit Union, PO Box 1728, Cranberry Twp., PA 16006Request for “Petition Packet” must be received no later than Nov. 11, 2016.

The Board of Directors and Staff would like to welcome the following new companies, associations and their employees or members to U$X FCU:

Direct JewelersDittman Eyecare, Inc.Emporio-PittsburghEmporio-Wexford

Family DollarGCSS Advisors

Heritage Manor Senior Living

Molten CorporationPaxton Bookkeeping and

Tax ServiceSienna Mercato

Sienna On The SquareShaker Urgent Care

Remember if your co-workers are not yet members of U$X FCU, you can get paid for introducing them to the credit union. Ask our staff how.

U$X FCU "Where Membership is a Rewarding Experience"

INCLUDING IDENTIT Y THEFT PROTECTIONLegal Services and Identity Theft Protection Everyone Can Afford

Millions of people lose their identities every year: Don’t be one of them!We monitor your identity from every angle. We ensure everything connected to you is safe. If any change occurs, you receive an email update immediately!IDShield is the only company with an exclusive partnership with Kroll, the worldwide leader in theft investigative services.

If a compromise occurs, we will not stop until your identity is fully restored.Our legal plan gives you the power to talk to an attorney about any personal legal issue. Some of the services covered by your legal plan:• No Contract to Sign • Advice• Letters and phone calls made on your behalf• Contract and Document Review• 24/7 Emergency Assistance• Trial Defense Services on covered civil actions• Standard Will, Living Will and Health Care Power of Attorney • Residential Loan Document Assistance• Motor Vehicle Services• IRS Audit Legal Services• Family Matters• Additional Benefits available

WHO IS COVERED?The Member, Member’s Spouse/Domestic Partner and never married dependent children up to the age of 26 who are living at home or who are full-time college students.Enjoy access on the go with our new smartphone app for our members.Save money with our “Member Perks” Plan, that includes hundreds of merchants and thousands of discounts, at both national and local companies, that can save you enough to pay for your membership for years to come.

HOW TO ENROLL:• Go to www.usxfcu.org• Select “Resources”• Choose LegalShield & Identity Theft Protection • Select “Learn More”• Click “ok” to leave the site• Click on “Signing Up” in the blue bar• Choose your state• Select LegalShield and/or IDShield and the family or individual plan• Once selected, proceed to checkout and enter your information• Enjoy your membership and your U$X FCU Group Rate

U$X FCU’s Partner in Legal Protection Including Identity Theft Protection

Legal Services and Identity Theft Protection Everyone Can Afford

Millions of people lose their identities every year: Don’t be one of them!

We monitor your identity from every angle. We ensure everything connected to you is safe. If any change occurs, you receive an email update immediately!

IDShield is the only company with an exclusive partnership with Kroll, the worldwide leader in theft investigative services.

If a compromise occurs, we will not stop until your identity is fully restored.

Our legal plan gives you the power to talk to an attorney about any personal legal issue.

Some of the services covered by your legal plan:

• No Contract to Sign • Advice • Letters and phone calls made on your

behalf • Contract and Document Review • 24/7 Emergency Assistance • Trial Defense Services on covered civil

actions • Standard Will, Living Will and Health

Care Power of Attorney • Residential Loan Document Assistance • Motor Vehicle Services • IRS Audit Legal Services • Family Matters • Additional Benefits available

Who is covered?

The Member, Member’s Spouse/Domestic Partner and never married dependent children up to the age of 26 who are living at home or who are full-time college students.

Enjoy access on the go with our new smartphone app for our members.

Save money with our “Member Perks” Plan, that includes hundreds of merchants and thousands of discounts, at both national and local companies, that can save you enough to pay for your membership for years to come.

How to Enroll:

1. Go to www.usxfcu.org 2. Select “Resources” 3. Choose LegalShield & Identity Theft

Protection 4. Select “Learn More” 5. Click “ok” to leave the site 6. Click on “Signing Up” in the blue bar 7. Choose your state 8. Select LegalShield and/or IDShield and

the family or individual plan 9. Once selected, proceed to checkout and

enter your information 10. Enjoy your membership and your U$X

FCU Group Rate

U$X FCU’s Partner in Legal Protection

Order your 2017 U$X FCU Calendar A limited supply of both the 2017 wall and pocket calendars have been ordered. They will be distributed on a first-come, first-served basis. If you have requested a calendar in previous years, you must renew your request for the current year to confirm your interest in receiving a calendar. If you would like a U$X FCU 2017 calendar, clip the order form from your newsletter, fill it out and mail it to the credit union. Calendars are scheduled to be delivered to the credit union on November 15, 2016. Orders will be filled after delivery.

Calendar Request Form Wall (check box) Pocket (check box) (Please print)Name: _______________________________________________ Mailing _______________________________________________ Address: _______________________________________________Please mail this form to:U$X FCU - Calendars PO Box 1728, Cranberry Twp PA 16066

Notice of Election An election to fill two vacancies on the U$X FCU® Board of Directors will be held at the Annual Meeting scheduled for Wednesday, April XX, 2017 at the Double Tree Cranberry Pittsburgh, Cranberry Twp. PA, 16066. No nominations will be accepted from the floor. A Nominating Committee appointed by the Chairman will nominate candidates for election to the Board of Directors. The Nominating Committee will select one nominee for each vacant seat on the Board. Interested members can become a candidate for Board Membership by requesting a “Petition Packet” from the Nominating Committee. The “Petition Packet” will require the member to obtain the name, address, account number and signature from 1% of the membership as of the previous year-end. The petitioner must submit the complete packet to the Nominating Committee by December 2, 2016. The Nominating Committee will then validate the candidate and verify the information submitted in the “Petition Packet”. Once the Nominating Committee has approved the candidates, the names of all qualified candidates running for election to the Board will appear on the ballot at the Annual Meeting. A short biography of each candidate will appear in the next quarter’s newsletter. The members present at the Annual Meeting will vote to determine who will serve on the Board of Directors. Any member of the credit union at least 18 years of age may qualify to serve on the Board of Directors. If you have an interest in serving, you may request a “Petition Packet” by writing to:

Chairperson, Nominating Committee U$X Federal Credit Union, PO Box 1728, Cranberry Twp., PA 16006

Request for “Petition Packet” must be received no later than November 11, 2016.

Remote Check Deposit Using Your Mobile Device

Snap, Send, Secure,

SIMPLE!

U$X FCU"Where Membership is a Rewarding Experience"

U$Xtra! Quiz Answer the following questions regarding U$X FCU® and win $25!

Daytime telephone number ________________________________________________________

Name __________________________________________________________________________

Answer all the questions correctly and send your entry to: U$X FCU, U$Xtra Quiz, 1293 Freedom Road, PO Box 1728, Cranberry Twp, PA 16066. All correct U$Xtra quiz entries must be received by October 31, 2016 and will be entered into a random drawing for a chance to win one of (6) six $25 prizes. If your entry is selected, you will be notified and $25 will be deposited into your Share Savings Account. Please do not include any personal banking materials (deposits, IRA withdrawals, loan payment, etc.) with your quiz entry. Employees or Volunteers of U$X FCU are not eligible.

What’s in your Wallet?SUPER HIGH INTEREST RATE…THAT”S WHAT!Not with a U$X FCU VISA® Credit CardToday you have many options which credit card you carry, but the U$X FCU PLATINUM Visa credit card should be your ONLY choice. As with all our products and services, our credit cards are designed with our members in mind….NO gimmicks, bait and switch tactics or hidden fees and A FANTASTIC INTEREST RATE! Our PLATINUM Visa credit card will provide you:

• FIXED interest rates as low as 9.90% APR*• No Annual Fee*• No Balance Transfer Fee• No Cash Advance Fee/same rate as purchases• Convenience of cash advances through ATMs worldwide• 23 Days to avoid interest on purchases• USX FCU Borrower Security available• Auto Rental Collision Damage Waiver Program – Coverage for damage due to collision or theft of

most rental vehicles. • $500,000 Travel Accident Insurance• Travel & Emergency Assistance – Services such as Emergency Message, Medical Referral, Legal

Referral, Emergency Transportation, Emergency Ticketing Replacement, Lost Luggage Locator, Emergency Translation and Prescription Assistance Services.

• Cell Phone Protection• Purchase Security and Extended Protection• Trip Cancellation/Trip Interruption

Make the right choice and click, call or come in today to apply for your U$X FCU Visa credit card!

*APR = Annual Percentage Rate. Rates are subject to change without notice. An annual fee of $50 may apply to VISA Blue credit builder cards only. Type of card and the interest rate applicable for each borrower will be based on their individual creditworthiness. All loan approvals are subject to normal loan underwriting guidelines.

U$X Federal Credit Union CELEBRATES PRINCIPLED BANKING On October 20, 2016, U$X Federal Credit Union will, along

with more than 56,000 credit unions around the world, celebrate International Credit Union Day (ICU Day), and the foundational principles that make credit unions unique. Credit unions are not-for-profit financial cooperatives guided by nine principles, including democratic control, social responsibility, and returning all profits to members. This year’s theme is “The Authentic Difference,” a description of credit union’s cooperative structure and principles. U$X Federal Credit Union celebrates ICU Day because it believes banking should be principled. On ICU Day, U$X Federal Credit Union joins the more than 217 million credit union members around the world in celebrating the people-first principles that have helped lift people out of poverty and strengthen communities all over the globe. In honor of International Credit Union Day, our staff will be treating members to refreshments throughout the week of October 17th. Everyone that visits our offices during the week will be entered into a random drawing to win a VISA gift card.* So when we wish you a Happy ICU Day at U$X Federal Credit Union, know that we’re thanking you for belonging to a movement that’s helping your neighbors—and people around the world—grow and thrive and follow their dreams. If you have any questions about the credit union philosophy or how U$X Federal Credit Union can help you, stop by or contact us at 888-219-3159 or at info@usxfcu.org.

Come celebrate with us! *No purchase necessary. Open to U$X FCU members that visit our offices only. The gift card drawing is scheduled for the afternoon of Friday, October 21, 2016. Winner need not be present and will be contacted by credit union staff.

1) The “as low as” VISA Platinum Credit Card interest rate is? a. 11.90% APR b. 9.90% APR c. 15.90% APR

2) The U$X FCU Financial Group can help you with Retirement Planning in the event of job layoff or downsizing? a. True b. False

3) U$X FCU transmits deposits made via our Remote Deposit feature in our Mobile Banking product at what times during the day? a. Mobile deposits are processed at approximately 6 AM and 6 PM Monday thru Friday. b. Mobile deposits are processed at approximately 7 AM and 5 PM Monday thru Saturday. c. Mobile deposits are processed at approximately 10 AM and 4:30 PM Monday thru Friday.

4) For Need Some Dough holiday day loan special, your f irst loan payments will be due in? a. December 2016 b. January 2017 c. February 2017

5) International Credit Union Day is? a. October 20, 2016 b. December 1, 2016 c. November 25, 2016

Please refer to our Website www.usxfcu.org/disclosures, or stop into a branch office to request an updated copy of our Error Resolution Notice effective September 2014.

U$X Federal Credit Union Celebrates Principled Banking.

On October 20, 2016, U$X Federal Credit Union will, along with more than 56,000 credit unions around the world, celebrate International Credit Union Day (ICU Day), and the foundational principles that make credit unions unique.

Credit unions are not-for-profit financial cooperatives guided by nine principles, including democratic control, social responsibility, and returning all profits to members. This year’s theme is “The Authentic Difference,” a description of credit union’s cooperative structure and principles U$X Federal Credit Union celebrates ICU Day because it believes banking should be principled.

On ICU Day, U$X Federal Credit Union joins the more than 217 million credit union members around the world in celebrating the people-first principles that have helped lift people out of poverty and strengthen communities all over the globe.

In honor of International Credit Union Day, our staff will be treating members to refreshments throughout the week of October 17th. Everyone that visits our offices during the week will be entered into a random drawing to win a VISA gift card.*

So when we wish you a Happy ICU Day at U$X Federal Credit Union, know that we’re thanking you for belonging to a movement that’s helping your neighbors—and people around the world—grow and thrive and follow their dreams.

If you have any questions about the credit union philosophy or how U$X Federal Credit Union can help you, stop by or contact us at 888-219-3159 or at info@usxfcu.org.

Come celebrate with us! *No purchase necessary. Open to U$X FCU members that visit our offices only. The gift card drawing is scheduled for the afternoon of Friday, October 21, 2016. Winner need not be present and will be contacted by credit union staff.

Don’t get dragged under by credit card debt Transfer your high-rate credit card balances to a U$X VISA® Credit Card with no balance transfer fee!

Don’t get dragged under by credit card debt Transfer your high-rate credit card balances to a U$X VISA® Credit Card with no balance transfer fee!

It’s an unfortunate reality – sometimes companies find it necessary to downsize and layoff employees. When this happens, company culture goes through changes and challenges, as employees are transitioning to early retirement or unexpected displacement. During this time, one of the most confusing areas for employees can be deciding what they should do about the funds in the company retirement plan.

Please know that you have a valuable resource located right here at the credit union. We offer a wide variety of financial management services. We’ve made this

service available to help our members plan for their financial future. One of these services is helping members choose what to do with their retirement funds once they leave a job.

We can meet with members during this transition time to help them determine the most appropriate options for their particular situation, and can also deliver on-site workshops.

We hope you will able to take advantage of this service.

Retirement Plan TransitionAssistance

U$XFinancial GroupRetirement Insurance Investments

Please contact Nathan RodgersUSX Financial Group

Located at: USX Federal Credit Union479 North Pike Road, Sarver, PA 16055

or call 724-779-4895

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-1584484.1-0916-1018

“Once A Member, Always A Member”

CALL ME! I want to take advantage of U$X FCU’s great loan rates! (Phone)_____________________ Holiday Loan Personal Loan Auto Loan VISA® Credit Card

APPLICANT INFORMATION JOINT APPLICANT’S INFORMATIONFull Name Member No. Full Name Member No.

Address/City/State/Zip Date of Birth Address/City/State/Zip Date of Birth

Social Security Number Home Phone Social Security Number Home Phone

Employer Work Phone Employer Work Phone

Monthly Gross Income *Other Income Years Employed Monthly Gross Income *Other Income Years Employed

$ $ $ $

Monthly Mortgage or Rent Payment Amount $ Monthly Mortgage or Rent Payment Amount $

(circle one) (circle one)

X XAPPLICANT’S SIGNATURE DATE OTHER SIGNATURE DATE

Verification of Income and employment is required ANY FAX OF MY SIGNATURE MAY BE HELD EQUALLY ENFORCEABLE AS MY GENUINE SIGNATURE.

If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter.You also promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension

of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to wilfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA.

U$X Federal Credit Union® 60-Second Loan Application

MAIL OR DROP OFF COMPLETED APPLICATION TO YOUR LOCAL BRANCH OFFICE OR FAX TO 724-779-4656.

Up To $2,000.00 as LOW as 8.49% APR*

for 10 MONTHSNO PAYMENTS UNTIL JANUARY 2017

*APR=Annual Percentage Rate. Approval, actual interest rate and dollar amount granted will be based on credit worthiness. Other rates and terms are available. Some restrictions may apply. To receive the promotional interest rate, you must have an active U$X FCU checking account with net check direct deposit. Members that open a new checking account and sign up for net check direct deposit may qualify for an additional $75 new account bonus. Loan proceeds will be disbursed ONLY after direct deposit has been started and received. Existing checking accountholders with net check direct deposit will qualify for promotional interest rate; however, will not receive the new account bonus. Repayment will start January 2017 and must be completed by October 31, 2017. No payment will be required until January 2017; however, interest will accumulate from date of loan disbursement. Payments must be made by direct deposit or payroll deduction only and payments will coincide with member’s payroll periods. Offer is good to members in good standing. Offer Expires December 31, 2016.

For members that do not have direct deposit available, we have other holiday loan options. Please call for details.