Monday, October 9

Columbus Day

All Offices Closed

Thursday, November 23

Thanksgiving Day

All Offices Closed

Better Auto Loan ................. 2New Credit Card ................. 2Mortgage ............................. 3Skip-A-Pay ........................... 4 Food Drive........................... 4Board Nominations ............. 5Annual Meeting ................... 5Financial Information ........... 5 HO

LID

AY

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Monday, December 25

Christmas Day

All Offices Closed

INSIDE TRACKA QUARTERLY PUBLICATION FOR THE MEMBERS OF MTC FEDERAL CREDIT UNION

THE

FALL 2017

OUR MEMBERS HAVE EVERYTHING TO GAINMESSAGE FROM OUR CEOA lot has changed since MTC Federal Credit Union was founded in 1976. While our roots have remained the same, we are evolving with a new look and new message that better reflects the membership and communities we serve.

Your credit union is growing and it only gets better! We’re excited to share upcoming changes which will benefit you:

• A new look and message.• New, easy-to-use www.mtcfederal.com.• Updated Mobile App for added convenience.• A switch to Mastercard® for all our card services, with more reward choices.

TRACTION FOR LIFE’S JOURNEY: Earning your trust is an ongoing journey, andthis trip isn’t over, not by a long shot. No matter where life’s journey may take you, we have and will continue to be the traction you need to keep moving forward.

Our mission, vision and values stand true today: to serve all of our members’ financial needs. We hope you enjoy these exciting changes that will enhance your membership experience.

Sincerely,

William H. Love, CEO

SCORE SOME CASH

Get out of the red zone and reach your financial goals by refinancing your auto loan with the team at

MTC Federal Credit Union.

Not only can we help lower your payment and save money each month by refinancing your auto loan, but you can score

up to $200 back in your pocket. Apply today.

REFINANCE FOR THE WIN

OFFER ENDS NOV 30, 2017

MYCARDINFO CREDIT CARD ACCOUNT ACCESSSIMPLE. SECURE. CONVENIENT. Introducing MyCardInfo, your new 24/7 online access to your credit card account when you need it.• View your current balance and available credit

• Transfer balances from other high-interest accounts

• Track and manage your rewards

• View card transaction history – pending and posted

• Dispute card transaction

• Make one-time card payment

• Schedule recurring payments

• Manage statement options(eStatements or standard USPS delivery)

• View eStatements

• Set account e-alerts

• Set travel notifications

Enroll in MyCardInfo today.

NOT A CARD-CARRYING MEMBER?Get the credit you deserve with the new MTC Federal Platinum Mastercard.

APPLY NOW TO BE ELIGIBLE FOR A

TAILGATE ESSENTIALS PRIZE PACK VALUED AT APPROXIMATELY $1,500. APPLY NOW

ENROLL NOW

FIRST TIME HOME BUYERS TACKLE 20% DOWNThere are many challenges when you’re a first time homebuyer. One of the most common obstacles to homeownership is saving enough for a down payment.

How much of a down payment do you need? A smart rule of thumb is to aim for 20 percent down and here are the top reasons why:

• Improved chance you will actually get themortgage.

• A Smaller Monthly Mortgage Payment• A Lower Interest Rate = You Pay Less Over Life of

Loan

• Build Equity Instantly

Saving for the down payment can be overwhelming. At MTC Federal, we recommend that you break it down into small, reasonable moves, that may take a while to accomplish but you might be able to save enough to afford a home sooner than you expected.

USE THESE NON-TRADITIONAL AND OUT-OF-THE BOX METHODS TO GET THE CASH YOU NEED FOR YOUR NEW NEST.

Automatic transfers from your checking account to your savings can help to make the process mandatoryand maybe a little less painful.

Save raises and bonuses rather than spending them.

Set aside tax refunds.

Snag a few bucks here and there. Got a checking account a few bucks over a round number? Take theextra and transfer it to savings.

Keep the car and save the payment. Paid off your car? Resist the urge to buy new and save themonthly payment.

Getting Married? Skip the gift registry, instead ask for “money for the house.”

Ask parents for help. If you receive a loan from family or friends, draw up specific repayment terms, and ifyou receive a gift, keep in mind that parents can give up to $13,000 annually to their children without having to pay gift taxes.

IF YOU’RE READY TO MAKE THE MOVE INTO YOUR FIRST HOME, LET US HELP YOU EVALUATE THE BEST PLAN FOR YOUR GUARANTEED BETTER MORTGAGE. APPLY NOW

THECHILDREN’SFOOD DRIVE

NOVEMBER 15TH – DECEMBER 15TH

ANNU

AL

DROP OFF CANNED FOOD OR MAKE A MONETARY DONATION AT ANY MTC FEDERAL BRANCH.

BENEFITING

Oklahoma Alabama South Carolina

SKIP WITH A PURPOSE SAVE MORE. MOVE MORE. GIVE MORE.

MOVE A LOAN TO MTC FEDERAL: SKIP UP TO 3 PAYMENTS

Members in good standing can move loans from another financial institutions to MTC Federal Credit Union and skip payment for up to 90 days.

ORHAVE A LOAN WITH MTC FEDERAL: SKIP 1 PAYMENT

Members in good standing can skip a loan payment during November, December or January with a $30 donation toward MTC Federal’s charitable giving efforts.

SKIP-A-PAYMENT: This Holiday Season have a little extra cash to do the things you love and give back to your community.

2017 Skip-A-Pay funds will benefit MTC Federal's Foundation for community giving initiatives.

Wiregrass AreaUnited WayFOODBANK

SKIP NOW

LEADERSHIP FOR A NEW JOURNEYMTC Federal Credit Union is a member-owned and member-governed cooperative. Our Board of Directors is comprised of members who are elected to the Board and work with other volunteers to provide guidance and strategic direction to the credit union.

The MTC Federal Board and volunteers are an experienced group of professionals who know the credit union industry, have an immense amount of respect for the credit union members they serve and are advocates of credit union initiatives and principles.

JOIN OUR BOARD OF DIRECTORSThe nominating committee will select candidates to run for open seats on the Board of Directors during the fourth quarter of each year, with the election taking place at the next annual meeting on March 28, 2018.

CANDIDATE RESPONSIBILITIES• Prepare for and attend monthly meetings and functions as required• Stay informed about the credit union’s mission, products, services, policies

and programs• Keep up to date on developments in the credit union industry• Act unselfishly for the benefit of the credit union and its members• Inform others about the credit union

If you are interested and meet the nominee requirements, please submit a cover letter and resume with references to:

MTC Federal Credit UnionNominating Committee | PO Box 1944 | Greenville, SC 29602

Submissions must be received by October 31, 2017www.mtcfederal.com/volunteer

800/442-7792 MTCFederal.com

FINANCIAL INFORMATIONAs of August 2017

Assets . . . . . . . . . . . . . . . . . $179,807,432

Shares. . . . . . . . . . . . . . . . . $118,643,753

Loans . . . . . . . . . . . . . . . . . $148,300,950

Members . . . . . . . . . . . . . . . . . . . . 17,264

BOARD & MANAGEMENTPatricia Brandes . . . . . . . . . . .Chairperson

Randy Welch . . . . . . . . .Vice Chairperson

Michael Hanna . . . . . . . . . . . . . Treasurer

Paige Reed. . . . . . . . . . . . . . . . . Secretary

Tracy Crews . . . . . . . . . . . Board Member

Delcia Corbitt. . . . . . . . . . Board Member

Michael Tolman . . . . . . . . Board Member

Bill Love . . . . . . . . . . . . . . . . . . . . . . .CEO

INFORMATION ON DEMAND: FOLLOW US ON

MOBILE APPGoogle Play and iTunes

WEB BRANCH MTCFederal.com

PERSONAL SERVICE800-442-7792

ANNUAL MEETING The 42nd Annual Meeting is scheduled for Wednesday, March 28, 2018

at 5:15 PM at CU-ICAR (Clemson University International Center for Automotive Research). CHRISTMAS CLUB FUNDS WERE ROLLED OVER

TO YOUR SHARE SAVINGS ON OCTOBER 1ST.

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