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ON THE MARKNuMark Credit Union NewsFALL 2022IN THIS ISSUEASK THE EXPERT:ARE CASH-OUT REFINANCES STILL A GOOD OPTION FOR HOMEOWNERSUSE ZELLE® TO TRANSFER MONEY TO YOUR FRIENDS AND FAMILYCREDIT UNIONS STANDFOR YOU!NUMARK NEWSpeople achieve their dream of homeownershipworking with all types of situations. Q. Harry, mortgage rates were so low for so long, but now they arefluctuating. Are rates still good? A. There have been a lot of ebbs and flows in the mortgage industrylately, but rates are still historically low. They just aren’t as low as they have been the last few years, and those rates were incredibly low.Q. Is it a good time to do a Mortgage Refinance?A. It all depends on what you’re trying to accomplish. If your goal is a rate and term refinance, it may be a good option for anyone who hasn’t taken advantage of the recent low rates, those who may be in a high-rate loan, or if those who are in an ARM or a Balloon. If you are looking to do an estate buyout or a divorce buyout, you can refinance with that too.ASK THE EXPERT: ARE CASH-OUT REFINANCES STILL A GOOD OPTION FOR HOMEOWNERS?BEWARE! TIS THE SEASON FOR FRAUDNATIONAL WREATHS ACROSS AMERICA DAYWith all that has been happening with rates and the mortgage market, many are wondering if it is still a good time for a mortgage refinance. For answers, we reached out to Harry Stewart, our Vice President of Mortgage Lending. Harry has over 26 years of experience in the mortgage industry to share. He has helped thousands of- Article continues on the next pageHarry Stewart, VP of Mortgage Lending

- Ask the Expert: Are Cash-Out Refinances Still a Good Option for Homeowners? (Continued)If you have private mortgage insurance, with the higher home values,you may now be able to refinance and get rid of that monthly payment.Q. What about a Cash-Out Refinance?A. If you have a specific need such as a home improvement project,debt consolidation, a large purchase, student loans, or a wedding; aCash-Out Refinance is a good idea because some credit cards havevery high interest rates. The blended rate that you would get from aCash-Out Refinance would definitely be a lot lower.Q. What about Home Values? Have they stabilized?A. Yes, they have stabilized from where they were. Just a few monthsago there were multiple oers on houses, some houses would sell$100,000 over market, but now with everything increasing like fuelprices and groceries, the market has slowed back down to a normalpace. Now there are fewer buyers in the market, and home priceshave stabilized.*Equal Housing Opportunity Lender. Individual savings will vary. Not all borrowers will qualify. NMLS #405831.Do you have more questions for Harry?Harry and our mortgage experts will be happy to answer your questions and talk about the best ways to achieve your goals. Call us at 815-744-7497 to talk with one of our mortgage lenders. Ready to start right away? Apply now at numarkcu.org.We look forward to helping you do more with your money!USE ZELLE® TO TRANSFER MONEY TO YOUR FRIENDS AND FAMILY It’s easy to enroll! 1. Go to your app store and download the Zelle® app to your mobile phone 2. Enroll using your email address or mobile number 3. Enter your NuMark Debit Card informationThen, transfer money in minutes to your friends or family using their email address or mobile number. Choose the payment amount, and the funds will be sent directly from your checking account to theirs. If they are not already enrolled in Zelle®, they will get a notification showing them how to access the money.Download the Zelle® app today to do more with your money at NuMark!Did you know that you can use your NuMark Debit Card to send or receive money from your friends and family through Zelle®? You can, and it is one of the easiest ways to send money when you need to split the bill, pay your roommate, or pay the babysitter.

BEWARE! TIS THE SEASON FOR FRAUD • Use dierent passwords for dierent accounts. Using the same password gives a fraudster easy access to all of your accounts once they figure it out.Home Computers and Mobile Phones • Always use the PIN lock on your mobile phone and make the number easy to remember but hard to guess. Don’t use birth dates, anniversary dates, phone numbers etc. • Update your computer and mobile phones to the latest version or operating system. Those updates include security updates that help defend against hackers. • Avoid using public Wi-Fi especially public Wi-Fi that doesn’t require a password.Emails and Texts • Be skeptical! Don’t click email links unless you are absolutely certain who sent it. Hover over links to check the website address closely. When in doubt, contact the company a dierent way using contact information you already know. • If you receive a text, email or phone call asking for an instant response, be diligent. Fraudsters create a sense of urgency in hopes of tricking you into reacting quickly. They may even say you have a family member in trouble. Think before you react. • Remember the IRS, U.S. Marshalls, the Secret Service or NuMark Credit Union will never send you an email asking for money or your personal information.Slow down, be alert, and ask questions. If you feel that you’ve been a victim of identity theft, contact us at815-729-3211 and visit www.consumer.ftc.gov for additional resources.Fraudsters are always on the job looking for ways to trick people into divulging their personal information. That’s why it is important to stay diligent and maintain a healthy dose of skepticism.Passwords • Change your password regularly on your email account. This is the place where “reset password” emails are sent, so it is important to keep this front door to your personal information locked. • Create strong passwords you can remember by using the first letters of a sentence, change number words to numbers, and add special characters. For example, “Walking for Me is the Best Thing to do!” would become “W4MitBT2d!”

1Common Cents Checking: Account holders will earn $0.10 for every signature-based or online debit card transaction over $10.00 that posts and settles during each monthly statement cycle. Statement Cycle means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Qualifications to earn rebates: e-Statements, and at least one login to NuMark Online or NuMark Mobile each statement cycle. Rebates will be credited to account on the last day of monthly statement cycle. If qualifications are not met, rebates will be forfeited. ATM and PIN-based transactions do not count towards qualifying debit card transactions. Excludes business and commercial accounts. Federally Insured by NCUA.2Ultimate High Yield Checking: Qualifications to earn interest: 12 signature-based or online debit card transactions posted and settled, direct deposit of $500 or greater, e-Statements, and at least one login to NuMark Online or NuMark Mobile each statement cycle. Statement Cycle means a period beginning the first day of the current statement cycle through the close of the current statement cycle. As of 10-3-2022 earn 4.00% APY on average balances up to $10,000 and 0.15% for average balances over $10,000. Rates subject to change without notice. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 and credited to account on the last day of monthly statement cycle. If qualifications are not met, interest is forfeited for that period. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM and PIN-based transactions do not count towards qualifying debit card transactions. Limit one account per SSN. Excludes business and commercial accounts. Federally Insured by NCUA.

Throughout the year, NuMark Credit Union accepts donations for Wreaths Across America to help sponsor wreaths at Abraham Lincoln National Cemetery. Stop by your nearest NuMark branch to donate. For every newVeteran/Active Military Account opened throughout the year, $10 is donated to Wreaths Across America. With your help over the last eleven years, NuMark has raised over $32,000 for Wreaths Across America!We encourage you and your family to join in the Wreath-Laying Event at Abraham Lincoln National Cemetery that will be held at 11AM on December 17th. If you would like to register to volunteer, click here to learn more.NATIONAL WREATHS ACROSS AMERICA DAY -DECEMBER 17, 2022Each December on National Wreaths Across America Day, volunteers coordinate wreath-laying ceremoniesat Arlington National Cemetery, as well as more than 2,500 additional national cemeteries in all 50 U.S. states, at sea and abroad. Their mission is to remember the fallen, honor those who have served and teach the value of freedom to our children.“The Wreaths Across America wreath laying is reallya celebration of life,” says Wreaths Across AmericaCorporate Development/Community Relations, Bre Kingsbury. “That one wreath symbolizes one family.One family that was able to smile because of generous donations.”CREDIT UNIONS STAND FOR YOU!When you bank at a credit union, did you know you are part ofa global movement? That’s right! Credit Unions have a specific purpose — to make a dierence by helping people and thecommunities they serve.How are they dierent?The answer is simple. They are owned and operated by their members. Credit Unions exist to serve their members and thatis a dierent focus than other financial providers.Why is that important?At NuMark Credit Union our mission is to enrich the financial lives of our members. That means all of the products and services we provide and all of our future plans are all designed to benefit our members.As we grow, we have more resources available to provide the bestfinancial services to help our members do more with their moneyand achieve their dreams. When our members succeed, we succeed. We appreciate you!We know that our members work hard for their money. Thank you for choosing NuMark. Thank you for being a part of the NuMark Credit Union Family.

WHERE YOU ARE FAMILY

At their Geneva, IL location, our team along with many other individual volunteers got together to help pack 870 bags of sweet potatoes! This was the equivalent of 3,480 pounds of food which provided 2,900 meals for our hungry neighbors in Northern Illinois. Over the last six years, from the donations and the events NuMark has sponsored, we have donated over $50,000 to Northern Illinois Food Bank!If you would like to learn more about the Northern Illinois Food Bank, click on the links below:Learn more Donate Today VolunteerWHERE YOU ARE FAMILYFederal Holiday - Monday, October 10thVeterans Day - Friday, November 11thChristmas Eve - Saturday, December 24th (Open until noon)Christmas Day - (Observed) Monday, December 26thNew Year’s Eve - Saturday, December 31st (Open Until Noon)New Year’s Day - (Observed) Monday, January 2ndWhen our NuMark branches are closed, you can always manageyour account, and find local ATMs through our app or online atnumarkcu.org.HOLIDAY CLOSINGS:Contact UsSr. Editor’s: Kelly Zilinsky & Kari EndresAsk@numarkcu.orgVisit numarkcu.org for branch locations and hours. NUMARK NEWS September 9, 2022 – Did you know that the month of September was Hunger Action Month? It is a time when people all over America stand with the Feeding America nationwide network of food banks to fight hunger. Alongside all 200 Feeding America network food banks, at NuMark we commemorated Hunger Action Month by spreading the word about hunger in ourcommunities, volunteering, advocating, donating and helping raise awareness about hunger.Our friends at the Northern Illinois Food Bank hosted some special food packing events for Hunger Action Month and our sta at NuMark were happy to volunteer to help!Members of the NuMark team volunteering and packing sweet potatoesat the Northern Illinois Food Bank location in Geneva, IL.Happy holidays from your NuMark family!We hope you enjoy your time spent with family and friends.