IN THIS ISSUE - aberdeenfcu.coop

1 LOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOAN SPECIAL LOAN SPECIAL LOAN SPECIAL LOAN SPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANLOAN SPECIAL LOAN SPECIAL LOAN SPECIALSPECIAL LOAN SPECIAL LOAN SPECIAL LOANA pply online at or call us at 725-LOAN starting November 1stTO MEET YOUR HOLIDAY NEEDS!

2 Get up to $2,000 for your Holiday Shopping at a low rate of APR*.SPECIALH olidayLoan*See Credit Union for details, some exclusions THIS ISSUE International Credit Union Day Coats for Kids Nominations for Board of Directors Message from the President/CEO Aberdeen FCU HappeningsExperience Our Credit Union DifferenceThird quarter 2017 Members ..11,462 Shares & Certificates .. 110,401,794 Loans ..93,613,157 Total Assets ..126,300,008 Total Capital ..15,594,259 FINANCIAL DATAAs of August 31, 2017 SHARES APY*Shares .10%Super Shares (Tiered) .15% Christmas Club (Tiered) APY*3 Month .25%6 Month .75%12 Month .75%18 Month Month rates are subject to change.

3 Please call the Credit Union about applicable fees & terms. *Annual Percentage YieldCURRENT RATESAs of September 1, 20172017 OFFICE CLOSINGSM onday, October 9th - Columbus Day Saturday, November 11th - (Drive Thru) Veterans DayThursday, November 23rd - Thanksgiving DaySaturday, December 23rd - (Drive Thru) Christmas Monday, December 25th - Christmas DayMonday, January 1st - New Year s Day financial datacurrent ratesBUSINESS HOURS:Lobby:Monday - Friday 9am - 5pmDrive Up Windows:Monday - Friday 7:30am - 6pmSaturday 9am - NoonLocationN. Roosevelt & 8th AvenueMailing AddressPO Box 1495 Aberdeen, SD (Consumer Loans) (Real Estate Dept.)Toll (Consumer Loans) (Real Estate Dept.) M24 Hour f LogoCMYK / .epsFacebook f LogoCMYK /.

4 EpsZach HarryInsurance AgentFrequently Asked Questions: Debit Cards & Prepaid Debit CardsWhich ATMs can I use my Debit Card at surcharge free?Aberdeen FCU has three convenient ATM locations in Aberdeen, plus we are a part of the CO-OP network so you can use nearly 30,000 ATMs surcharge free. Visit to locate an ATM near you. Is there a limit when using my Aberdeen FCU Debit Card?The daily ATM withdrawal limit is $1,000. The Point of Sale (POS) limit is $1,250 for debit transactions when the member inputs a PIN. Credit transactions and eDebit Point of Sale (POS) transactions requiring a signature instead of a PIN are set at a limit of $2,000. *Some small transactions will not require a signature or a PIN. What is a CUMONEY Prepaid Debit Card?

5 A prepaid Debit Card is NOT linked to your accounts. You simply re-load the card as you go! It offers worldwide convenience; CUMONEY is accepted wherever VISA is accepted. These cards are great for on-line shopping, traveling without the worry or payroll direct deposit. Load your card at Aberdeen FCU or online at types of CUMONEY Prepaid Debit Cards does Aberdeen FCU offer?You decide which Prepaid Debit Card fits you. Choose from: Everyday Spend, Travel Money or Gift Cards. MESSAGE FROM ROBERT J. GOSCICKIPRESIDENT / CEOA Long History of ServiceDear Fellow Members,As I write this message starting the fourth quarter of 2017 , I am reminded that Aberdeen Federal Credit Union (FCU) exists only to serve you, our fellow members.

6 Your loyal commitment, along with our cooperative vision, culminates in an unwavering partnership to service and the drive to deliver unmatched satisfaction. We re in the business of service, not sales, which is why we have a long history of providing superior products and unmatched service. We are not a Johnny Come Lately .While other financial institutions are quick to come to Aberdeen and change their focus as they follow new growth and try to be all things to all people. We believe our commitment to who we are, what we do, and who we serve is the reason we continue to grow our our cooperative mission, Aberdeen FCU continues to focus our efforts to help all members feel The Aberdeen FCU Difference . We are especially pleased with the number of first mortgage loans we have made for fellow members which have improved lives.

7 We ended the year of 2016 as the #1 provider of first mortgages in Brown County! I am pleased to announce that we continue to be the #1 provider in years, Aberdeen FCU has held financial literacy as a top priority, and we continue to seek out new ways to make a difference in our community. If you visited our office this summer, you may have noticed there were a lot of young interns working on the teller line and in our member service area. These students were a result of our partnerships with our South Dakota Universities, especially Northern State you for being a member of Aberdeen Federal Credit Union! We are working hard every day for your continued loyalty and New EmployeesKealey, Su, Tess, Tevin, Troy & WendyHoliday Season Closing Dates2017 Rising Star Competition Winners!

8 Overall Category (Ages 14 & Up)First place ($1,000): Taylor BogueSecond place ($750): Dillon SwansonThird place ($500): Shelby ReidYouth Category (Ages 13 & Under)First Place ($250): Ella HuettlSecond Place ($100): Kyanne Galbraith Youth Savers Club Monthly WinnersJune: Zachary PalmerJuly: Ashton AdornatoAugust: Aubrey KraigNominations for the Board of Directors Being AcceptedAberdeen Federal Credit Union will have two positions on the Board of Directors up for Election at the 2018 Annual Meeting. One incumbent is running for re-election. The 83rd Annual Meeting will be held Friday, January 26th at the DEC. Nominations can be submitted to the Nominating Committee Chairman David Bunsness. Mail nominations to: David Bunsness 1805 S. Lincoln St.

9 Aberdeen, SD 57401 Nominations must be received by the Nominating Committee on or before Monday, December 4th, Credit Union DayThursday, October 19thJoin us on Thursday, October 19th to celebrate International Credit Union Day. Share your Credit Union spirit and enjoy cookies and refreshments served all day in the for KidsAberdeen FCU proudly partners with the community to gather nearly 1,000 gently used coats for the annual Coats for Kids drive. Please drop off your gently used coats in the lobby by Friday, November 3rd. Thanks for helping to share the warmth this season!Thursday, October 19th - International Credit Union DayTuesday, October 31st - Trick or Treat in the lobby from 4-5pmTuesday, December 5th - Senior Rewards Holiday Party at the DEC.

10 Join us for a festive evening of food and entertainment. Purchase your tickets at Aberdeen FCU before Thursday, November 30th. Thursday, December 14th - Holiday Open House. Join us for refreshments and cookies all day in the lobby. Friday, January 26th 83rd Annual Meeting at the EVENTS