We are thrilled to be featured on Suze Orman and Credit Card Connection’s Dean’s List of Good Credit Unions. Such establishments are “Credit card programs that have earned 5 stars and Credit Card Connection Seal of Approval for their fair and ethical practices”.

Click here to visit Suze’s website.

Click here to View the Dean’s List, the Bad List, and to search by location on CreditCardConnection.org.

Be very cautious about clicking on “links” sent in an email. Look for the “lock” or https to ensure a site is safe. Use extreme caution when opening attachments–run virus checks before and never open an attachment from someone you do not know. Remember–no financial institution will ever request your confidential information to be “verified” through email. If you are in doubt regarding any email contact the institution or company sending the email.

This Disclosure applies to all “transaction” accounts.

Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your accounts are covered by these rules.
Please read all provisions carefully in order to fully understand when funds may be available from certain deposits. Funds “availability” means your ability to withdraw funds from your account, whether those withdrawals are to be in cash, by check, automatic payment, or any other method we offer you for access to your account. If deposited funds are not “available” to you on a given day, you may not withdraw the funds in cash and we may not use the funds to pay items that you have written or honor other withdrawals you request. If we pay items that you have written or honor other withdrawals before funds are available to you,
we may charge a fee for this.

Please remember that even after the item has “cleared,” we have made funds available to you, and you have withdrawn the funds, you are still responsible for items you deposit that are returned to us unpaid and for any other problems involving your deposit.
DETERMINING THE AVAILABILITY OFA DEPOS IT – ALL ACCOUNTS
The day funds become available is determined by countingbusiness days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit in person before our “cutoff time” on a business day we are open, we will consider that day to be the day of your deposit for purposes of calculating when your funds will become available. However, if you make a deposit after the cutoff time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our cutoff time is 5:00 p.m.
Deposits you send by mail are considered deposited on the business day it arrives if it arrives by the cutoff time at the branch of deposit.
In all cases, availability of any deposit assumes that a requested
withdrawal will not overdraw the account.

IMMEDIATE AVAILABILITY FOR CERTAIN ITEMS
The following types of deposits will usually be available for withdrawal immediately:
• Cash (if deposited in person to an employee of ours);
• Electronic direct deposits;
• Wire transfers; and
• The first $100 from the aggregate of all other deposits made on any given day.
Cash and wire transfer deposits are subject to the Special Rules for New Accounts and the $100 availability is subject to the rule in the section titled Longer Delays May Apply.

ACH Transfers:

If you initiate a wire or ACH transfer from your account at another institution to your Credit Union account (called “ACH debit transfers”), the funds transferred in this way to your Credit Union account will be available on the first business day after the day we receive the deposit, at which time you withdraw the funds in cash and we will use them to pay checks you have written. However, the funds that you transfer by wire or ACH to your Credit Union account from your account at another institution cannot be wired out of your Credit Union account to a non- Credit Union account until the third business day after the day we receive the deposit.
IMMEDIATE AVAILABILITY FOR MOSTOTHER ITEMS

Our general availability policy for items not listed in the prior section is to make funds available to you on the first business day after the day of deposit. We generally make some portion of a day’s deposits available for withdrawal immediately. See the previous section for the types and amounts of deposits that are available immediately.
LONGER DELAYS MAY APPLY

Paper Checks: Depending on the type of check that you deposit, funds may not be available until the second business day after the date of your deposit. The first $100 of your deposits, however, will generally be available no later than the first business day after the day of deposit, and usually immediately. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit; or soon after as reasonably practical. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard Exceptions:

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on anyone day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open:

Funds from electronic direct deposits and deposits of cash and wire transfers to your account will be available on the day we receive the deposit. The first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, on-us checks (checks drawn on a U.S. Bank), and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the fifth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will generally be available on the fifth business day after the day of your deposit. For example, if we receive a check that falls within the Safeguard Exception description above, we may delay funds for up to nine business days. If we do so, we will provide you with a hold notice at the time of deposit or when we learn that we will hold the funds from the deposit.
CASHING CHECKS

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

OTHER ACCOUNTS

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the day the deposited item would have been available, which will usually be the first business day after the day of deposit.

FOREIGN CHECKS

Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposit of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. Foreign checks with no routing numbers and payable in foreign currency are not accepted for deposit. These items must be sent as a collection item. Only foreign checks payable through a U.S. financial institution with routing numbers and payable in U.S. dollars will be available subject to the schedule described in this section.
*SPECIAL RULES FOR TIME PERIOD ADJUST MENT FOR WITHDRA WALS BY CASH OR SIMILAR MEANS.

The Credit Union reserves the right to extend by one business day the time that funds deposited will be available for withdrawal by cash or similar means. However, an additional $400.00 will be available for withdrawal by cash or similar means on the date funds are otherwise available for withdrawal under this policy.

Your choice to do business with the Family  Advantage Federal Credit Union is an important decision. We take our obligation to keep information about you and your accounts secure and confidential very seriously. Your privacy is our top priority. This notice describes how we protect the privacy of your personal information. Throughout this notice, the word “information” refers to personal information about you that may not be publicly available.

As a member of our credit union, you also have a responsibility to safeguard your financial
information.

Information We Collect & Disclose to Others
We collect nonpublic information about you from some or all of the following sources:
• Applications and other forms you submit to our affiliates or us.
• Information about your transactions with us or others.
• Information about your transactions with government agencies.
• Information we receive from consumer reporting agencies.

We may disclose all the information that we collect, as described above.

Parties to Whom We Disclose the Information

We may disclose information about you to the following types of third parties:
• Financial service providers, such as those that provide mortgage services and insurance
companies.
• Non-financial companies, such as consumer reporting agencies or statement rendering.
• Our affiliates such as CUNA Mutual Insurance or Life Flight as permitted by law.
We may disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. To protect our member’s privacy, we only work with companies that agree to maintain strong confidentiality
protections and limit the use of information we provide. We do not permit these companies to sell the member information. Furthermore, we DO NOT sell member mailing lists.

In order to conduct the business of the Credit Union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Family Advantage Federal Credit Union or become an inactive member, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your
information.

What You Can Do To Help

While we are committed to protecting your privacy, you can also help by following these
simple guidelines:
• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit/ATM card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you representing himself as a credit union employee and asks for your account number, beware. Credit Union employees will have access to your information and will not need to ask for it if we initiated the call.
• It is important that we have current information on how to reach you. If we detect fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know immediately.
• Please call us if you have questions concerning activity on your account(s). Family Advantage Federal Credit Union—Phone Number (931) 486-3125.

Join the Drawing for a $100 Gas Gift Card

Bring in a friend to join our FAMILY and when they open:

**Savings account: You get 3 entries They get 3 entries
**Checking account: You get 4 entries They get 4 entries
**Sign up for E-statements: You get 4 entries They get 4 entries
**Set up Direct Deposit: You get 4 entries They get 4 entries
**New Auto Loan: You get 15 entries They get 15 entries ** Plus GREAT Rate**
**Refinance a Loan from Another Financial Institution: You get 15 entries They get 15 entries **Plus GREAT Rate**

Drawing April 15, 2010

Our new bill pay program will make your financial life  so much easier!

Expedite a Payment: If you need to get a payment out fast, you can expedite a payment by UPS for next day or 2nd business day delivery. (Note: a fee applies to this service).

Pay Anyone with Person to Person Pay

Send a Gift Check: You can select an image for the decorative check and card that you wish to send to your gift recipient. There are a variety of images specially designed for any occasion you choose.

Send a Donation: You can send a donation, using a decorative check, to your favorite charity. You can also personalize the notification and acknowledgments for your donation.

Added Security Features

Secure Message Center

Payee and Payment Alerts: If your payees or payments require your attention, an alert will appear at the top of your home page. Just click on the alert and you will be taken directly to the item that needs action.

Multiple Search Features: You can search by payee category, pay to, or process date range.

Special Option Tab where you can personalize your bill pay experience a number of ways. For example, you can add and view pay from accounts, manage your reminders and e-notifications, or update your contact information.

View A Demo of the New Bill Pay System here!

To sign up for Online Bill Pay, you must first sign up for a home banking account. Contact us to find out how!

Got a problem with debt? You can get out from under high interest and principal payments by using the following techniques suggested by Debtors Anonymous.

Admit your spend too much. Just for today- one day- do not incur any new debt. Then do it again tomorrow and the next day.

• Draw up a spending plan and keep track of exactly what you spend.
• Quit carrying credit cards.
• Make a list of every penny of debt you owe and draw up a plan for repying it.
• Remember it’s best to be a “slow Pay” than a “no pay”.
• Don’t go bankrupt. Life after bankruptcy isn’t as easy as advertised.

Taken a close look at your credit card statement lately?
Notice Anything?
Increasing Rates – Even when you pay on time – Every time?

Fight the Fine Print!
with a FamilyConnect Visa from Family Advantage

FamilyConnect VISA

No Annual Fee
Rates as low as 9.9% Fixed APR
25 Day Grace Period for Repayment
Visa Rewards Points
No balance transfer fee

Effective September 1, 2009. As a greener approach to saving our natural resources, the Credit Union will no longer mail insufficient funds and overdraft notices. This information is readily available and contained conveniently on your statement, online or by calling the touch tone teller. You may also set up a low balance alert from your online home banking access to advise you when your account reaches a specific balance threshold. Sign up for home-banking by going to our website www.myfafcu.org or checking your account information via our touch tone teller at 1-800-201-3694. You may also contact one of our member service representatives for personal assistance.

Summer 2009 – Highlights from this issue…

• Bankruptcy Is Not The Only Way Out!!!
• Real Estate Professional Services (REPS) Program
• Teach your Credit Card Balance to Rollover
• Are You About To Retire?
• Click to read the newsletter…

Past Issues

• Winter 2009
• Special Edition
• Fall 2008
• Summer 2008
• Spring 2008