1. Houghton Mifflin Employees Federal Credit Union

2. Mission Statement Houghton Mifflin Employees Federal Credit Union is a member-owned and controlled financial institution existing for the benefit of the Houghton Mifflin employees and their families. The credit union maintains its long- term financial stability and protection of members savings as well as its traditional level of quality service while offering savings and loan products at fair, favorable and competitive rates and terms to meet our members financial needs for today and tomorrow.

3. Credit Union Benefits Not for profit, not for charity, but for service Member-elected, unpaid volunteer directors Lower and fewer fees than banks Deposits are insured by NCUA to at least $100,000

4. Services

5. Savings Products General savings account (requirement for membership, $5 min. Balance) Holiday club Vacation club Share certificates IRAs

6. Checking No monthly fees First 50 checks free Free bill pay and online banking No min. Balance, only $25 to open Visa debit card, use as a debit card at participating stores & ATMs Use ATM/debit card for withdrawals and deposits *Pending Credit Approval

7. Loans Auto loans – as low as 4.74% New, used, & refinanced LoanLiners – 11.9% Revolving lines of credit Share secured loans– 6% Use savings or certificate to secure Personal loans – 15% *Pending Credit Approval

8. Visa Credit Card Low fixed rate – 10.9% No fee balance transfers Ask about transfer bonus No fee for cash advances ezcardinfo.Com – check activity, balance, and make payments Free auto rental and collision damage and theft insurance Free travel accident insurance up to $250,000 *Pending credit approval

9. Miscellaneous Services User friendly web site: www.hmcreditunion.org Free online banking Free Notary services Purchase US Savings Bonds Direct Deposit Payroll Deduction

10. Questions Our Friendly Staff Are Ready to Answer Your Questions.