The HeartBeat Vol 1 2024 : simplebooklet.com

Summer has made it to Middle Tennessee!!After a very mild late Spring, we are realizingthat it really is SUMMER and the temperaturesare rising as well….we are thankful that loanrates haven’t risen during this timeframe! Wecontinue to stand ready to serve each of youwith loans at continued GREAT RATES for yourVacation needs, new & used autos,recreational vehicles, tractors, and more.Believe it or not Back to School will be upon usvery shortly and YES, we have a loan for that aswell!(continued page 2)IN THIS ISSUE:A Message from Your CEOHow to Build/Repair CreditScoreSystem MaintenanceBlood DriveCoffee & ComraderyFraud: Are You ProtectingYourself?Our Services: InvestmentsLoan PromotionChange to Saturday Hours &InsuranceRates & Closed DatesCompliance Disclosurespg. 1-2pg. 3pg. 3pg. 4pg. 5pg. 6-7pg. 8pg. 9pg. 10pg. 11pg. 11A MESSAGE FROM OUR CEOS e m i - A n n u a l N e w s l e t t e r HEARTBEATHEARTBEATJune 2024 edition

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The HEARTBEAT | page 02A MESSAGE FROM OUR CEO (CONTINUED)·Growth: As of 5/31/2024, your Credit Union has continued to grow inOutstanding Loans by a net percentage of 6.86%; Asset Size has decreased.65% since this period last year, as we see the continued need of ourmembers to utilize savings to offset this higher expense environment.·Loss Management: Although some improvements are being reported,economic challenges have continued for our membership. The CreditUnion’s Collections area has remained diligent: net charge offs to averageloans (as of 5/31/2024) is .497%; Delinquency as of this same time was at.924%. We continue to work with our members during any time of hardshipand difficulty they are experiencing. Our team also has Certified CreditUnion Counseling professionals on board that can work alongside you forany area that we can assist with. ·Shares: Our management team and Board of Directors have recognized theneed to continue strong evaluations for possible recommendations toincrease dividends along with competitive offerings of several CD specialsperiodically throughout the year.·Staff: We have been very Blessed to have a kind and concerned staff ofemployees that CARE about you! I along with the management of yourCredit Union are dedicated to employing professional, friendly, well-trained, and committed employees to serve you. In closing, on behalf of our Board of Directors, employees, and myself, Iwant to share some exciting news with you…. The Credit Union forRobertson County’s field of membership is expanding! We are currentlyworking with the State of Tennessee, Department of Financial Institutions inthe conversion to a Community Based Charter. This will enable us to servemore people and assist them with their financial needs and wants. Pleasewatch for more details in the coming weeks regarding this…. MOREservices, MORE opportunities. Thank YOU for the confidence and trust that you continue to place in us.Our purpose of people serving people has not changed since The CreditUnion for Robertson County’s beginning in 1968-Because YOU Matter! Respectfully submitted-Brenda Bellar, CEO

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The HEARTBEAT | page 03SYSTEM MAINTENANCE DATESWe will be completing system maintenanceon the following dates/times during 2024: PLEASE make sure you have an alternative way to makepayment (cash, check or a different card). We do not wantour members to be without the ability to conduct business. October 5, 2024from 11:00 p.m. until 10:00 a.m.October 6, 2024January 4, 2025from 11:00 p.m. until 10:00 a.m.January 5, 2025ARE YOU NEEDING TO BUILD YOUR CREDIT?We are here to assist you with theproducts and services that will buildor repair your credit score.Have you just graduated and need tobuild your credit? Or a lifecircumstance leave you with a lowcredit score and not sure how to raiseit?Secured Credit Cards CU Credit Builder LoansDebt ConsolidationCredit CounselingFree Financial Education ProgramCall and speak to one of our memberservice representatives or loanofficers today to help get you on thepath to great credit!

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We were blessed three years ago this month with a “new to us” building. Thethoughts of what we would do with additional space for our employees, members andthe community all came to mind. Four months ago the Robertson County Chamber ofCommerce recognized there was a need for businesses in the area to pull together tosee what our Veterans need. During the first meeting it was discovered that ourVeterans would like to have a place that they could fellowship together. Hearing this need The Credit Union for Robertson County along side of The RobertsonCounty Chamber of Commerce began working to achieve this and two months agowe had our first Coffee & Comradery with Veterans in the community. Coffee & Comradery is a monthly fellowship time that all Veterans are welcome toattend every third Tuesday of each month from 8:30 a.m. to 10:00 a.m. at our TomAustin Branch located at 3564 Tom Austin Highway in Springfield. There is not aprogram or speaker, but there will be donuts, coffee and much comradery!Our next Coffee & Comradery will be Tuesday, July 16, 2024 at 8:30 a.m. and we hopeto see you there!The HEARTBEAT | p a g e 0 5

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The HEARTBEAT | p a g e 0 6It is Friday 5:01 p.m. and your telephone rings. When you answer there is someoneletting you know that your taxes have not been paid to the IRS and that payment mustbe submitted today to prevent further penalties mounting to very large dollars. In fear,you get your debit card and give them the information only to realize as theconversation goes further that this is a fraudulent call and you just handed over yourthe key to all your money!This seems like an outlandish scenario, but unfortunately it is happening toindividuals. Along with many more deceptive scams. Below are items that will helpyou in preventing fraudsters/scammers from accessing your financial information:FRAUD - ARE YOU PROTECTING YOURSELF?1.Monitor Your Account Regularly: Check your account activityfrequently through online banking or mobile apps to spot anyunauthorized transactions promptly.2. Keep Your Card Secure: Store your debit card in a safe place, suchas a wallet or a secure cardholder. Avoid leaving it lying around whereit could be easily stolen.3. Enable Transaction Alerts: Set up notifications for transactions onyour debit card. This way, you'll receive alerts via text or email for anypurchases made with your card, allowing you to identify and reportsuspicious activity immediately.4. Be Cautious with PINs and Passwords: Never share your PIN oronline banking passwords with anyone. Choose strong, uniquepasswords and change them regularly to enhance security.5. Protect Personal Information: Be cautious when sharing personalinformation, especially online. Avoid providing sensitive details likeyour card number, PIN, or security code unless you're certain you'redealing with a trusted merchant.

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The HEARTBEAT | p a g e 0 7FRAUD - ARE YOU PROTECTING YOURSELF?(CONTINUED)6. Be Wary of Skimming Devices: Inspect ATMs and card readers for anysigns of tampering before using them. Criminals sometimes install skimmingdevices to capture card information, so if anything looks suspicious, use adifferent machine.7. Only Use Secure Websites and ATMs: When making online purchases orwithdrawing cash, ensure you're using secure websites and ATMs. Look forHTTPS in the URL and padlock icons to indicate a secure connection.8. Keep Contact Information Updated: Make sure the Credit Union hasyour current contact information on file. This ensures we can reach youquickly in case of suspicious activity and helps facilitate communicationregarding your account.9. Report Lost or Stolen Cards Immediately: If your debit card is lost orstolen, report it to the Credit Union immediately. We can freeze your card toprevent unauthorized use and issue a replacement card.10. Review Account Statements Thoroughly: Carefully review yourmonthly account statements for any discrepancies or unfamiliartransactions. If you notice anything suspicious, report it to the Credit Unionright away.11. Disable Your Card thru Home Banking or with Mobile App: Use theRemote Control Card Feature thru home banking or the mobile app. It canbe found in the services section. This allows you to disable your card untilyou can speak with a member service representative during business hours.

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OUR SERVICESOUR SERVICESCurrent Financial Position – a snapshot of where you are today, eg., assets,net worth, liabilities, and cash flowProtection Planning – financial protection in the event of death, disability,accident, and illnessInvestment Planning – accumulating and managing assets to maximize yourability to reach your financial goalsTax Planning – analysis and planning to help you retain assets and minimizetaxesRetirement Planning – accumulation and income strategies to help you retirefinancially secureEstate Planning – preservation of assets while minimizing estate taxes,probate expenses, and estate administrative costsCollege Funding – 529 plans, Educational Savings AccountsCharitable Giving – Charitable Remainder Trusts, Wealth Replacement Trusts,life insurance as a gift or bequest, income tax charitable deductions, etc.The H E ARTBEAT | page 08DO YOU HAVE A LONG-TERM FINANCIAL PLAN FOR YOU ANDYOUR MONEY? HAVE YOU SET FINANCIAL GOALS, BOTH INTHE NEAR TERM AND FOR THE FUTURE?If you answered ‘No’ to one or both of thesequestions, then perhaps it’s time for a financialcheck-up offered through your credit union inconjunction with Cosey Financial Services. We’reproud to be partnered with an experienced andsolid team in Cosey Financial and even prouder tobe able to offer their services to our members. If youhave questions about your…Call or visit us today to set up a financial review appointment with Tony Cosey of Cosey Financial. As always, your information is held in strict confidence,and your comfort and satisfaction are our primary goals.Don’t put this important activity on the back burner – call today to begin your financialplanning journey!~ INVESTMENTS WITH COSEY FINANCIAL ARE NOT INSURED BY THE NCUA ~

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The HEARTBEAT | page 09$500 LOAN$100 VISA GIFT CARD ONE FOR YOU ANDONE TO A SCHOOL OF YOUR CHOICE*member eligibility required • credit approval applies • loan application fee of $50 • cannot be used for tuition Effective 7/16/2024 to 8/31/2024 • relationship pricing applies**minimum $50.00 payment • maximum term 14 months WE WANT TO BE YOUR HERO!WE WANT TO BE YOUR HERO!PLUS:BE ENTEREDINTO A DRAWINGFOR A

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NOTICE OF CHANGE TO SATURDAY HOURS The HEARTBEAT | page 10Effective August 3, 2024Effective August 3, 2024We ask that you visit us insideMonday - Friday for all other transactions .We ask that you visit us insideMonday - Friday for all other transactions .Drive Thru Transactions will be limited to no more than 3 offollowing transactions and must be less than $5,000 of cash involved in the transaction:Cashed Checks Withdrawals Loan Payments - Cash or Check onlyDepositsTransfersSATURDAY BUSINESS HOURS WILL BE 8:30 AM TO 12 NOONat our Stoneview Branchlocated at 4310 Hwy 431NSpringfield, TN 37172DRIVE THRU ONLYDRIVE THRU ONLYUSA PATRIOT ACTOn October 25, 2001, President Bush signed into law theUSA Patriot Act of 2001. The Act is intended to facilitate theprevention, detection and prosecution of internationalmoney laundering and the financing of terrorism.The Act requires customers of financial institutions tocomply with the identification verification proceduresdescribed in the Act, and requires all financial institutions toverify the identity of their customers.You may not be able tomake transactions until documentation of identification isverified. In addition to deterring money laundering and terroristfinancing, comprehensive procedures for verifying theidentity of customers should reduce the growing incidenceof fraud and identity theft involving new accounts.As such, The Credit Union for Robertson County requiresthe following documentation prior to opening accounts andcausing transactions.·Individuals: government issued identification thatevidences nationality or residence and bears a photographor similar safeguard. It must be unexpired.·Non-Individuals documents showing the existence of theentity (registered articles of incorporation, a governmentissued business license, partnership agreement, or trustinstrument). If applicable, identifying documents forbeneficial owners.

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PRIVACY ACT Annual Privacy Policy can be foundon our website. To read it, visit:www.tcurc.org at the bottom of thepage you will click the link “PRIVACY POLICY.” If you need or want a printed copyof the Privacy Policy, you may printfrom the website, call us at 615-382-8255, or send a writtenrequest to us at 3564 Tom Austin Highway,Springfield, TN 37172, and request a printed copy bemailed to you. The H E A R TBEAT | pag e 1 1NEED TO KNOW:NEED TO KNOW:CLOSED DATES, DIVIDEND RATES, & COMPLIANCE DISCLOSURES