Thanks to all our members who attended the 77th An-nual Meeting of NGCU held on February 10th at the Stephens County Middle School cafeteria in Toccoa. I always enjoy the chance to visit with our members and see the participation in our meeting.

258 member attendees joined us for breakfast and the meeting that followed. We were pleased to present a favorable report of our credit union’s progress over the last year and to award numerous cash prizes to attendees. We believe our 77 years of service is reason to celebrate, and we are grateful to all of our members who have made it possible. We appreciate you celebrating alongside us.

We would like to extend our congratulations to Keith Cheek, Michael Herron and James Norris who were re-elected to our Board. I would like to personally thank these individuals and all those who give of their time and talents to serve our credit union. Without our volunteers, it would be impossible for us to serve you.

We have always strived to provide you with excep-tional service and want to go above and beyond expectations in the coming years. As a growing organization, we encourage your continued feed-back. Please let us know how we are doing or what products we can develop to meet your finan-cial needs.

As always, thank you for being a member and allowing us to serve you.

Sincerely,Brian AkinPresident/CEO

From The PresidentOfficial Publication of North Georgia Credit Union. Spring 2018

The following conditions must be met for rebate eligibility:

n YoumustpurchaseaneworusedvehicleandobtainfinancingfromNGCU;orrefinanceanautoloanfromanotherfinancialinstitutionatNGCU.

n Vehiclemustbe2014modelyearornewer.n Only1rebatepermemberisallowed.n Maximumrebateis$100permember.n Minimumloanamountof$5,000requiredforrebateeligibility.n LoanmuststayatNGCUforatleast12months.Otherwise,any

rebatepaidwillbeaddedbacktotheloanpayoff.n Specialcreditscoringcriteriamayapply.

Buthurry,thisofferisonlyvalidApril 2, 2018 – April 30, 2018! So start lookingforyournextvehicleandthenstopbythecreditunionorapplyonline at www.ngcu.orginApriltoearnyourgreatrateandrebate!

*All loans subject to credit approval. Special credit scoring may apply. Offer only valid 4/2/18 – 4/30/18.

PrivacyNotice:FederalLawrequiresustotellyouhowwecollect,shareandprotectyourpersonalinformation.ToreviewtheNorthGeorgiaCreditUnionPrivacyNotice,pleasevisitourwebsiteatwww.ngcu.org.

Great Rates & Rebates in April!Areyouinthemarketforaneworused vehicle? You’re in luck because our popular auto loan* rebate deal isbackthisApril!Foralimitedtimeonly,youcanearnaninstant$100 CASH REBATE on any auto loan originatedatNGCU…PLUS,you’llgeta GREAT RATE!

Enjoy a new and improved online experience at ngcu.org!Visitournew,responsivewebsiteat www.ngcu.org. Our new site featureseasiernavigationandenhancedcompatibilityforusersacrossalldevices.Fromthelargestdesktoporlaptopscreen,downtothesmallestsmartphone,thenewand improved website will adapt to fitthescreenyou’reviewingsoyouhavethebestexperiencepossible.

FederallyinsuredbyNCUA

Toccoa1067 Mize Road

P.O. Box 280Toccoa, GA 30577(706) 886-1441

Fax: (706) 886-3757

Lavonia11850 Augusta Road Lavonia, GA 30553

(706) 356-7001Fax: (706) 356-7008

Hartwell249 East Franklin Street

Hartwell, GA 30643(706) 376-6961

Fax: (706) 376-3184

www.ngcu.org

Lobby HoursMon., Tues., Thurs. & Fri.

9:00 a.m. - 5:00 p.m.Wednesday

10:00 a.m. - 5:00 p.m.

Drive-Thru HoursMonday – Friday

8:30 a.m. – 5:00 p.m.Saturday

9:00 a.m. – 12:00 p.m.

Management TeamBrian Akin, President/CEO

Laura Williams, Vice President

Sonya Speed, Lending and Collections Manager

Robin Bridges, Data Processing & Operations Manager

Brooke Stowe, Toccoa Branch ManagerChristina Mosley,

Lavonia Branch ManagerBrandy Floyd,

Hartwell Branch Manager

DirectorsTony Thomas,

ChairmanHarold Harbin,

Vice-ChairmanJuanita Worley,

SecretaryDeborah Gibby,

TreasurerJames Norris,

Supervisory Committee ChairmanKeith Cheek

Michael Herron

Service Awards: n BrookeStowe–15years n SonyaChastain–5yearsn TaylorFitzgerald–5years n TammeyHaddock–5years

Holiday Closings Good Friday: Friday,March30

Memorial Day: Monday,May28

Independence Day: Wednesday,July4

Like us on Facebook to find money saving tips, links to informative articles, updates on special promotions and more!

Verification of AccountsTheSupervisoryCommitteeofNorthGeorgiaCreditUnionisconductingaverificationofmembers’accounts.Pleasefollowinstructionsasindicatedonyourstatement/verificationasofMarch31,2018.Ifyoudonotreceiveastatement/verificationorhavequestionsconcerningtheamountsortransactionsonyourstatement/verification,pleasedirectyourwritteninquiriesto:

Wayne Davis LLC | Attention: W. Davis | 224 Picketts Lake Drive | Acworth, GA 30101

Every child dreams about their future.Someofthosedreamsmayrequiremoneytocometrue.How do you help your children achieve their dreams?

One way is to help them learn howtosavetheirmoney.

AprilisNationalYouthMonthandNorthGeorgiaCreditUnioniscelebratingwithaprogramthathelpsteachandencouragekidstodevelopgoodfinancialhabits.Thethemeis“TheScienceofSaving,”showcasingfun,sci-fi-inspiredcharacters.Sciencehasproventhatifyoustartwithsmallgoals,savingyour money can become a

regularhabit.Thisyear’sYouthMonthinspireschildrentobeginsavingthemoneytheyearnsotheycanattaintheirdreamsofahappyfuture.

Andtofurtherencourageyouthsavings,NGCUisparticipatingintheNationalYouthSavingChallengewhichoffersyouthachancetowinaprizeforvisitingtheircreditunionand/ordepositingmoneyintotheirsavingsaccount.TheNationalYouthSavingChallengeisopentoallyouthunder18whovisitNorthGeorgiaCreditUnionApril 2-April 30. While youth are encouragedtomakeadepositatthecreditunion,nodepositis

requiredtoenter.Thoseparents/guardiansgivingpermissionfortheiryouthtoentercanregisteratanyofouroffices.Askamember service representative foraregistrationslip.

Limitoneentryperperson.Oddsofwinningdependonthenumberofentrants.InMay,CreditUnionNationalAssociation(CUNA)willrandomlyselectandgive$1,000grandprizetoaparticipatingcreditunion.Thatcreditunionwillthen randomly select a winner fromitsentrants.Wewillnotifyyouifyouareawinner.

Tolearnmore,visitusonlineatwww.ngcu.org.

1.AvoidATMsindarkorremoteplacesandexaminethemachinebeforeusingit.Ifanythingappearsstrangeorifithasanyunusualsignage,gosomewhereelse.

2.Stayalertandawareofyoursurroundingsatalltimes.IfyouseepeoplelurkingaroundanATMorifyousensesomeonecrowdingyouasyouusetheATM,findanotherlocation.

3.Keepcardoorslockedandallpassengerwindowsclosedwhenusingadrive-upATM.4.AlwayskeepyourcardandPINinasafeplaceanddonotgivetoanyone.5.MinimizetimespentatATMs.HaveyourcardreadyandalltransactionspreparedbeforeyouapproachanATM.

6.RefrainfromdisplayingyourcashattheATM.Assoonasyourtransactioniscomplete,placeyourmoneyandreceiptinyourpurseorwalletandcountthecashlaterinthesafetyofyourcarorhome.Ifyouarefollowedaftermakingatransaction,gotothenearestpublicarea.

7.Alwayscheckyourstatementstobesuretherearenounusualwithdrawals.8.Reportallcrimestothecreditunionandlawenforcementimmediately.

Help us celebrate youth savings month!

8 Quick tips to staying safe when using ATMs!