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Heritage LoanSummer Fun LoanChristmas Club in JulyShred-It Events

Page 6Locations and HoursHoliday ClosingsChanges to Funds’ Availability

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Coronavirus ScamsFun Activities with Kids Indoors

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Indirect LendingDrive Home Serious Savings

Summer 2020IN

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www.mhcu.org

2020 Scholarship Winners!

See page 2 for details.

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Members Heritage CaresMembers Insurance Services2020 Scholarship Winners

Stay Connected with Online BankingIn times of crisis, managing your money can feel like a moving target. When jobs, school and normal routines are put on hold, it helps to be digitally connected in all aspects of life, including your financial life. Members Heritage is here to help you stay connected with the financial services and resources you need to manage your money.

With online and mobile banking services, you can securely access your accounts from your computer or mobile device. After signing up for online banking and downloading our mobile banking app, you can take care of most of your financial tasks from home. Check out the following digital banking services:

Manage Your AccountGet a full overview of your account and make the changes you need at your convenience. This includes the ability to view your transaction history, change contact information, order replacement cards and more.

Transfer FundsWith online and mobile banking, you can easily transfer money between your Members Heritage accounts or to accounts at other financial institutions.

Pay BillsUsing our mobile app or website, you can schedule any of the bills you need to pay. Whether it’s for your energy bill, car lease or department store credit card, you can connect any account you need to your Members Heritage account and pay your bills once or on a recurring basis.

Deposit ChecksYou don’t have to leave home to deposit checks. With the Members Heritage app, all it takes is a snap of the front and back of a check to make a deposit. Simply tap on “Check Deposit” from within the app to get started.

Locate Branches and ATMsWe’ll keep you updated on any changes in branches or drive-up hours. With our app or website, you can view a map of

all Members Heritage locations giving you the addresses of the location(s) closest to you!

We’re Here to HelpManage your money more easily

with the Members Heritage mobile app and website. Download our

secure app through the Apple and Android app stores or visit our

secure mobile website at mhcu.org. If you have questions, please call us

at 859-259-3466.

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Members Heritage CaresFrom donating face shields to local businesses giving

money to the Coronavirus Response Fund, helping local restaurants by purchasing food weekly to sponsoring Lex18’s initiative, “We’re Open Kentucky,” Members

Heritage continues to help our communities through the COVID-19 crisis.

Members Insurance Services offers competitive rates on Home, Auto, Business, Life, Pet insurance and much more!

For a quote, go to mhcu.org or call 844-431-8569.

Contact Members Insurance Services, today!Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Members Heritage CU need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice.

Have you shopped Insurance rates lately? Let us help you save money!

2020 Scholarship Winners

These students received $2,500 from Members Heritage to help finance their continuing education.

We are happy to announce the four winners of the 2020 Youth Scholarship Program.

These students have excelled, not only in their studies, but also in many extracurricular and leadership activities.

Paul Kamer will be attending Duke University and majoring in Economics. He graduated from Henry Clay High School Liberal Arts Academy.

Zach DeGraff graduated from Lexington Catholic High School. He will attend Notre Dame and major in Biology.

Sarah Vickers will attend the University of North Carolina at Chapel Hill this fall and major in Physics. She was dually-enrolled and graduated from the Gatton Academy of Mathematics and Science in Kentucky and George Rogers Clark High School.

Abby Washnock graduated from Lafayette High School. She will attend the University of Louisville this fall with an Engineering major.

Paul Kamer Zach DeGraff Sarah Vickers Abby Washnock

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Summer Fun LoanBorrow up to $2,500 for a great, low rate! Plus, take up to 12 months to repay.

You will be entered to win $100 Cash! Apply Today!

www.mhcu.org 859-259-3466

* This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates are subject to approval. Drawing will occur in September after promotion ends. No purchase necessary for $100 drawing. Three winners will be drawn. One entry per person. You may write your name and full mailing address, email address and phone number on a 3”x5” index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY 40511 Summer Fun Loan available 6/1/20-8/31/20.

Christmas Club in July!

The holidays are closer than you think! Open a Christmas Club

account for just $5 and start saving today! Only 177 shopping days are

left! Ask for more details.

Heritage Loan

Get a Great Rate and Fixed Monthly Payments Take up to 48 Months to Repay No Prepayment Fee Enter to Win $500 Cash!

* Minimum loan amount $500. All MHCU loan refinances must include an additional $500 in new money. Drawing will occur in August, September and October for previous month’s booked loans. Winner receives $500! No purchase necessary for $500 drawing. Three winners will be drawn. One entry per person. You may write your name and full mailing address, email address and phone number on a 3”x5” index card and turn into: MHCU, Attn: Marketing, 440 Park Place, Lexington, KY 40511. Promotion available 7/1/2020-9/30/2020.

Enter to Win $500!

Enter to

Win $100

Cash!

Shred-It EventsShred-It Tentative Schedule(Events are subject to change or cancellation.)

Nicholasville ........................... Thursday, July 16; 12-1pm

Members Way .....................Thursday, Aug 20; 11am-1pm

Winchester ......................... Thursday, Sept 10; 11am-1pm

Park Place ........................... Thursday, Oct 15; 10am-1pm

This service will be provided for personal shredding only, no businesses, please.

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DRIVE HOME SERIOUS SAVINGS

Indirect Lending

Put yourself behind the wheel of a new car this year with MHCU’s Indirect Lending program. You can find your dream car, finance it directly on the lot and drive away, all in the same day!

Simply tell the salesperson that you are a Members Heritage

member, and you want your loan with us – no need for a special trip to the credit union. Indirect

dealers can even open new accounts, so your family may also be eligible for our financing. For a list of participating dealerships close to you, go to mhcu.org. Or give us a call at 859-259-3466.

* APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Your rate may be higher based on your credit history. In-house refinances require an additional $500 in new money. Auto loan rate shown is based on 100% financing and is subject to change. Contact us for other cost saving discounts on your auto loan!

Check out our Always Low Auto Loan Rates! No promotion dates. No expiration.

Repayment terms are flexible. 100% financing available

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Be on Guard Against Coronavirus Scams

Even when the world is going through a crisis such as the coronavirus (COVID-19) pandemic, scammers are out there. The following tips from the Federal Trade Commission can help you be alert to scams and protect your health, finances and personal information.

Hang up on robocalls. Robocalls are prerecorded messages that may pitch scam COVID-19 tests and treatments, work-at-home schemes or legal action. Don’t press any numbers. The recording might say that pressing a number can connect you with a live operator or remove you from their call list, but it instead may just lead to more robocalls. Just hang up.

Disregard online offers for COVID-19 treatments or cures. There are no vaccines, pills or other products currently approved to treat or eliminate the coronavirus at this time.

Beware of who you’re buying from. Online sellers may claim to have high-demand products like household cleaners, paper products and medical supplies when they don’t, and are only seeking your personal information and money. Stick with companies you know and trust.

Don’t click on links or download attachments from unfamiliar sources. The link or attachment could download viruses onto your computer or device. Delete emails and texts that look suspicious.

Watch out for charity scams. It’s natural to want to help those in need during a difficult time, but some charities or crowdfunding information could be fraudulent. Don’t let anyone pressure you into making a donation. Say you are doing your research first and don’t provide personal information. Also don’t respond to anyone asking you to donate by gift card or wiring money. You can research

legitimate charities through Charity Navigator (charitynavigator.org) and the IRS (irs.gov).

Fact-check everything. Even a message forwarded from a friend with good intentions can contain misleading information. Check trusted sources for reliable health information that has been verified by medical experts, such as the Centers for Disease Control and Prevention at cdc.gov or the World Health Organization at who.int.

If you have concerns about scams or believe your personal information or account could be compromised, contact us at 859-259-3466 or mhcu.org. Source: Federal Trade Commission, ftc.gov.

Fun Activities with Kids Indoors

Most families can deal with a few unexpected days home from school

due to severe weather or a power outage. But with households all over the world

experiencing social distancing and stay-at-home recommendations to help stop the spread of the coronavirus (COVID-19), spending weeks at home is a different story.

Kids of all ages, along with their parents, are seeking ways to stay connected with extended family and friends, stay active, stay calm and stay happy while staying indoors. Stay right there — we’re here to help! Try these ideas for fun family activities when you need a break from TV, video games or movies.

Draw the outdoors inside. Literally draw rainbows, birds, trees, flowers, the sun and more and hang them around your home for some colorful indoor cheer.

Create a board game-a-thon. Let everyone pick a favorite board game to play, then take turns playing each one. If you want to make it a sport, tally the results after all the games are played and see who wins “gold,” “silver” and “bronze.”

Have a really bad hair day. Let’s face it, staying home means being more “casual” than usual. Why not go to the extreme

and try a wacky hairstyle, makeup or clothing — share a picture with friends and encourage them to do the same for some smiles and laughs.

Rock your own dance party. If ever there was a time to dance like no one is watching, here it is! String some holiday lights, make a playlist and get moving. It’s a fun way to laugh and get some exercise, and perhaps sleep better too! Your kids may know some modern dance moves to teach you, and you may be able to show them the Macarena or the Electric Slide.

Bake and decorate. The smell of cookies or cupcakes in the oven is a sign of good times to come! Baking can be a fun and creative way to spend time together, especially if everyone can help frost and decorate.

Build a hideaway with blankets, pillows and flashlights. An indoor fort can be a playhouse or a quiet space to read or nap.

Members Heritage Credit Union is here to help you and our community look on the bright side during these uncertain times. Visit mhcu.org for up-to-date information during the COVID-19 crisis and ways we are available to assist you with online banking or other financial concerns.

440 Park Place | Lexington, KY 40511

MHCU Board of Directors Bobby A. Flynn – ChairmanJim Allen – Vice ChairmanMike Proctor – SecretaryManlus “Les” Burton – TreasurerMike Harding – DirectorMichelle Thomas – Associate Director

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from ©Getty. ©2020 Members Heritage

Federally Insured by NCUA

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Find us at:

Holiday ClosingsHoliday Closings

Park Place440 Park PlaceLexington, KY 40511859-259-3466800-359-3466Fax 859-455-7281Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Federal Medical Center (FMC)(Employee Access Only)Temporarily Closed3301 Leestown RoadLexington, KY 40511859-255-7687800-359-3466Fax 859-255-7687Lobby HoursM–F 8 a.m. to 4:30 p.m.

Pimlico3202 Custer DriveLexington, KY 40517859-259-3466800-359-3466Fax 859-455-7255Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Members Way2420 Members WayLexington, KY 40504859-259-3466800-359-3466Fax 859-455-7302Lobby HoursM–F 8 a.m. to 5 p.m.Drive-ThruM–Th 8 a.m. to 5:30 p.m.Fri. 8 a.m. to 6 p.m.Sat. 9 a.m. to Noon

Winchester 339 Shoppers DriveWinchester, KY 40391859-737-3671800-359-3466Fax 859-737-3675Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to Noon

Lexmark(Employee Access Only)Temporarily ClosedLexmark Building 003Lexington, KY 40511859-259-3466 800-359-3466Lobby Hours M–F 8 a.m. to Noon

Nicholasville1039 N. Main StreetNicholasville, KY 40356859-887-3674800-359-3466Fax 859-887-3819Lobby HoursM–F 9 a.m. to 5 p.m.Drive-ThruM–F 9 a.m. to 5:30 p.m.Sat. 9 a.m. to Noon

Locations and Hours

Independence DaySaturday, July 4

Labor DayMonday, September 7

Columbus DayMonday, October 12 IN

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Visit Us Online. Be sure to check out www.mhcu.org on

a regular basis. Find news, articles and

information about your credit union.

Changes to Funds’ Availability – Effective 7/1/2020We are increasing the amount we make available for withdrawal by checks not subject to next-day availability from $200 to $225.