member services

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MEMBERSHIP PRODUCTS & SERVICES GUIDE 2017

Helping Members Achieve Their Financial Goals!

MEMBER SERVICES

PERSONAL BANKING

BUSINESS BANKING

At Suffolk Federal

We’re Here for You! Contents Member Services Programs 3 Technology 4 Insurance 5 Investments 5

Personal Banking Checking 6 Savings 7 Club Accounts 8 Mortgages 9 Personal & Home Loans 10 Vehicle Loans 11 Credit & Debit Cards 12

Business Services Checking 13 Borrowing 14 Services 15

Membership in Suffolk Federal requires a Share Savings account with a minimun $5 balance. One must live, work, worship or attend school in Suffolk County, NY to be eligible for membership.

t Dear Members, Suffolk Federal has been serving the community for 50 years, continually evolving to meet the demands of changing economies, new technology, security enhancements and banking trends. Our success can be measured by the growth of our membership and our expanding presence in Suffolk County. During this time, we have also carefully listened to member feedback and, as a result, introduced a wide range of products and services that are essential to the ever-evolving needs of our members. On behalf of the entire team at Suffolk Federal I am proud to present this product guide. It contains a comprehensive list of the products and services available at Suffolk Federal. Please take some time to familiarize yourself with the many options available to you, and use the product guide as an added resource to help you stay focused on reaching your financial goals. At Suffolk Federal, we are dedicated to providing you with a world-class member experience that further enhances the many products and services we offer. You are the reason we are here, successfully serving the community for so many years, and I am grateful for what we have achieved together. This product guide is a testament to our mutual growth and success. Thank you.

William J. O’Brien

President & Chief Executive Officer

Board of Directors

President & CEO

Credit Union Services LLC

CHAIRMAN

Supervisory Committee

James E. Gallagher

James J. Maggio, Jr. Frank C. Trotta* VICE CHAIRMAN

Phil F. T. Bauccio SECRETARY

Edward J. Reilly* TREASURER

Mark G. Creighton, M.D.* Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency

DIRECTOR

Gary J. Lamm, Ed.D.* DIRECTOR

Robert Schaefer* DIRECTOR

William J. O’Brien Lorraine Hickey CHAIRWOMAN

Todd C. Johnson

VICE CHAIRMAN, SECRETARY

Joseph Blaettler MEMBER

Russell Danna MEMBER

Daniel J. Murphy MEMBER

*Denotes Member Services Committee

Robert Schaefer CHAIRMAN

VICE PRESIDENT OF CREDIT UNION SERVICES LLC

Richard Conzo MANAGER

Diane C. Rafferty MANAGER

Frank A. Zvanovec MANAGER

Security Coordinator Richard Bishop

Member Services

The following member services are offered to all members, and we hope you’ll take advantage of each and every one!

t Bonus Incentive Program

Suffolk Federal’s Bonus Incentive Program is based on your level of participation at the credit union. The more products and services you utilize, the more you save! Benefits include: Consumer loan rate discounts on home equity loans, vehicle loans, boat loans and personal loans, helps you save hundreds of dollars on payments. Monthly credits on Suffolk Federal fees. And more! For detailed information please visit www.suffolkfcu.org/bonus-incentive-program.

Direct Deposit

Although each of our members is unique, we’ve found that each member has at least one thing in common — a schedule that doesn’t always have room for a trip to the credit union. To make life just a little bit easier, Suffolk Federal offers free Direct Deposit. With this convenient service, your net pay or retirement and government-issued checks are deposited right into your credit union account automatically, every pay period. Direct Deposit also gets you discounts on loan rates at Suffolk Federal. So don’t forget to check out our Vehicle Loans, Personal Loans, Personal Line-of-Credit, Home Equity Loans and Home Equity Lines-of-Credit. For detailed information please visit www.suffolkfcu.org/direct-deposit.

Financial Literacy Programs

Suffolk Federal’s Financial Empowerment: Online Workshop can help lead you down the road of financial success... and rewards your efforts with cash back when you complete the course! Topics include: Savings and Investments, Building Emergency Savings, Auto Loans, Overdraft, Mobile Payments, Payment Types & Credit Cards, Credit Scores & Reports, Insurance & Taxes, Identity Protection, Mortgages, 529 Savings Plans & Retirement Planning. To register, please visit www.suffolkfcu.org/financial-literacy-program.

Scholars Program

Suffolk Federal sponsors the Suffolk Federal Scholars Program, bringing award-winning Financial Literacy Program technology platform to local high schools, providing students with access to a cutting-edge curriculum that enables them to become certified in Financial Literacy. Topics include credit scores, budgeting, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401(k) programs and other critical concepts.

MEMBER SERVICES

To learn about how you can participate visit www.suffolkfcu.org/financial-literacy-program.

Fraud Protection

LifeLock® Identity Theft Protection helps proactively safeguard your personal information and alerts you to potential threats. Get 10% off for the lifetime of your membership. Membership is required and includes identity threat detection and alerts (network does not cover all transactions and scope may vary), lost wallet protection, address change verification, and more! To learn about how you can participate visit www.suffolkfcu.org/fraud-protection.

Financial Counseling

With your membership, you receive FREE unlimited access to financial education and counseling services through Accel, a financial counseling program that has been serving families for more than 50 years.

“We couldn’t have had success with our accounts without your assistance and perseverance on our behalf. This is an extremely rare experience in this day and age.  To take the extra time to look at the whole picture and help us is greatly appreciated. “ – Debbie Steiger SUFFOLK FEDERAL MEMBER

As a member, you can receive assistance with: Personal and family budgeting Understanding your credit report Personal money management Debt repayment Avoiding bankruptcy, foreclosure & repossession Assistance is only a phone call away! Contact an Accel Counselor at 877-332-2235. For more information and business hours please visit www.suffolkfcu.org/financial-counseling.

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MEMBER SERVICES

State-of-the-Art Technology Suffolk Federal brings you online transaction services that are secure and truly state-of-the art!

t Online Banking

“I am very pleased to know that you have compassionate and community minded employees working at your branches and are the caretakers of my mother’s account.” – Michelle Wright SUFFOLK FEDERAL MEMBER

Suffolk Federal’s Online Banking is designed with you in mind and provides a secure, fast and easy way to do your banking anywhere, any time. It’s easy to check your balance, transfer funds, use secure messaging, and set up free real-time account alerts that you can receive through email, text messaging and Online Banking! Learn more about Online Banking at www.suffolkfcu.org/online-banking

Online Bill Pay

Tired of trying to remember when bills are due or waiting until the last minute to write and mail checks? Look no further than free Online Bill Pay. Your banking, simplified.

View up to 48 months of account information, eliminate the clutter of paper statements and help to reduce printing and postage costs — money that goes back to all of our members with the very best credit union benefits. Enroll in free eStatements at www.suffolkfcu.org/estatement-enrollment.

Mobile App with Remote Check Deposit

Banking on the go? We see it too. Access the very best of Online Banking through Suffolk Federal’s Mobile Banking App!

ClickSWITCH

With ClickSWITCH, you can enjoy a convenient, fast, secure and free way to switch your automatic payments and direct deposits... all with the click of a mouse.

Access account balances and history Transfer Funds between accounts Pay Bills with FREE Bill Pay Free Remote Check Deposit Apply for a Loan View your eStatements Locate your nearest branch or ATM And much more!

To learn more about switching accounts, visit www.suffolkfcu.org/clickswitch.

To learn more visit www.suffolkfcu.org/mobile-banking.

Person-to-Person (P2P) and Account-to Account (A2A) Services

Download the Suffolk Federal Mobile App for iPhone, iPad or Android!

Visit www.suffolkfcu.org/online-bill-pay to enroll today.

P2P and A2A services provide members with a convenient and secure way to transfer funds. With P2P, you can send a payment to, or request a payment from, another person anywhere within the United States, at any time, using only the recipient’s email address or mobile telephone number. Now that’s simple! And with A2A, you can move funds between internal and external, credit union or bank, checking or savings accounts right through Online Banking.

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eStatements

Learn more about P2P & A2A at www.suffolkfcu.org/online-banking.

Insurance

Insurance protection is part of a solid financial plan. Dependable coverage ensures financial relief in knowing you’re protected when you need it.

t

Long-Term Care

Guaranteed Asset Protection

MEMBER’S CHOICE® Credit Life

Business

MEMBER’S CHOICE® Credit Disability

Personal Liability

TruStage Auto

Property & Casualty

TruStage Home Program

Renters

TruStage Health Program

Petplan® Pet Insurance

Protect yourself should you require living assistance not covered by Medicare or Medicaid. Protect your loved ones from the unexpected, by reducing or paying off outstanding loans. Credit Disability covers your monthly expenses if you become disabled due to illness or injury.

See how much you could save with discounted auto insurance just for credit union members. Combine your auto and home insurance, and you could save even more. Compare health insurance quotes and purchase individual coverage. We can help you sort it out.

GAP Insurance helps pay the difference between a vehicle’s cash value and the loan balance. We know your business means everything to you. That’s why we offer a full line of insurance protection. Protect you and your assets from lawsuits with an extra layer of coverage. Protect your assets in the event someone’s injured in your home.

If you rent an apartment, safeguard your belongings from fire, theft or the unexpected.

You can’t predict your pets’ health, but you can plan for unexpected vet bills.

Investments

When it comes to learning about investments and financial planning, our Financial Services Representatives are here to help you plan for your future.

t Financial Planning

We provide all of our members with Suffolk Federal’s MEMBERS® Financial Services Program, a personal financial management service that can help you identify financial goals and objectives, analyze your financial situation and recommend methods to help you achieve financial security.

Retirement Services

Retirement planning and IRAs

Investment Services:

MEMBERS® Financial Services Mutual funds Stocks and bonds Fixed and variable annuities

To learn more, visit www.suffolkfcu.org/investing-and-planning Uninsured investment products offered 1) are not federally insured; 2) are not obligations of the credit union; 3) are not guaranteed by the credit union or any affiliated entity; and 4) involved investment risks, including the possible loss of principal. Representatives are registered, securities are sold, and investment advisory services are offered through CUNA Brokerage Services, Inc. (CBS), member FINRA/ SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. FR-1135163.1-0215-0317. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America.

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Personal Banking

We’re proud to offer our members a wide variety of account options and the services you need to maximize the benefits of your Credit Union membership.

t Checking Accounts

At Suffolk Federal, we offer several checking account options tailored to meet your money management needs.

Free Advantage Checking

“I was applying for a consolidation loan to pay-off my high interest credit cards and was denied. Your employee tried diligently and consistently to get the loan approved and did.  I can’t thank her enough for what she did. You are lucky to have such a caring person working for you and I will always be grateful for all she did for me. Thank you. “ – Rosalie Frascinella SUFFOLK FEDERAL MEMBER

Free Advantage Checking offers you a hassle-free and convenient way to pay all of your bills without those unwanted fees. Benefits include: No Minimum Balance Thousands of surcharge-free ATMs nationwide Direct Deposit Free MasterCard® Debit Card with EMV Chip Free Online Banking and Bill Pay Easy Check Reordering Overdraft Protection Courtesy Pay

Beacon Rewards

With Beacon Rewards you can automatically earn more on your Free Advantage Checking balances just by using the following qualifying conveniences that come with your account: eStatements Online Bill Pay Direct Deposit Signature-based Debit Card transactions *Beacon Rewards provides a high rate dividend each month to members with Free Advantage Checking that are enrolled in eStatements; conduct at least three online banking Bill Pay transactions per month; have a direct deposit of at least $250 per month into this account; and complete at least $300 in signature-based debit card transactions per month. Accounts meeting the monthly criteria will automatically receive the Beacon Rewards rate of 1.50% Annual Percentage Yield (APY) applied to balances up to $25,000 and 0.35% APY applied to balances greater than $25,000. Dividends are calculated on a day of deposit to day of withdrawal basis and credited monthly. Rates and terms are subject to change after account is opened. Fees could reduce the earnings on the account.

Max Money Checking

With Max Money Checking*, you can have a strong working checking account with tiered Money Market rates that offer the same great convenience and benefits as our Advantage Checking account.

Max Money Benefits: No monthly maintenance fee or check fee* Access to thousands of surcharge-free ATMs nationwide Direct Deposit Free MasterCard® Debit Card with EMV Chip Free Online Banking and Bill Pay Easy Check Reordering Overdraft Protection Courtesy Pay * This is a variable rate checking account, rates subject to change. Tiered rates depend on account balance. A $20 service fee is imposed on balances below $3,000.

Girl Scouts & LI2Day Checking

Suffolk Federal supports Long Islanders through two unique checking accounts, both designed to give back to the community we serve. You can do your part to make a positive difference in the lives of fellow Long Islanders, too! Choose either a Girl Scouts Checking account to help young girls grow strong, or a LI2Day Checking account to join the fight against breast cancer. You can donate five cents for each signature-based purchase you make, up to $350 per year.* * Suffolk Federal will donate five cents per signature-based purchase annually in December. Subject to change without notice.

Visit www.suffolkfcu.org/rates to see what your money can earn for you!

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PERSONAL BANKING

Savings Accounts

We’re here to help you reach your short- and long-term financial goals! Suffolk Federal offers a variety of savings accounts that will help your money grow, while you enjoy the ease of versatile, convenient account features.

t Share Savings

A Share Savings account is your primary account at Suffolk Federal and signifies your membership in the Credit Union! By maintaining a minimum balance of just $5, you have access to all Credit Union services and benefits.

Youth Savings Account

Suffolk Federal’s Youth Savings account offers a great way for your child to learn about saving, and rewards their efforts too! Your child will earn a higher dividend on their account, and earn their first $25 deposit, on us, just for opening the account. Once the balance reaches $1,000, Suffolk Federal will congratulate them with another $25 deposit! Balances up to $1,000 earn 3.50% Annual Percentage Yield (APY). Balances greater than $1,000 will earn the yield of the Regular Share account. Youth Savings account minimum opening balance is $5. Minimum balance to earn dividends is $100. Dividends are calculated on daily balance and credited monthly. Youth Savings accounts must be custodial accounts. At the age of 18, monies in this account will be transferred into a regular savings account. Account must stay open for a minimum of 90 days or Suffolk Federal reserves the right to revoke cash-back deposits. Suffolk Federal will not remove the deposit unless we directly contact the member with reasons for doing so. Member is responsible for taxes. Program and terms subject to change.

Money Market

By maintaining a minimum balance of $2,500, an insured Money Market account offers you the opportunity to earn highly competitive dividends while providing access to your funds without penalty. Dividends are not earned when the balance falls below this minimum. There are no restrictions on the amount or frequency of deposits, however withdrawals are limited to three FREE per month and a minimum of $500 each.

Share Certificates of Deposit

Suffolk Federal offers convenient, no-risk Share Certificates of Deposit that earn higher-yielding dividends with a low minimum deposit of $500. We offer terms from three months to 60 months.

IRAs

Plan for your retirement by opening an IRA (Individual Retirement Account). An IRA is authorized by the Federal Government, insured up to $250,000, and provides tax benefits to eligible members to help accumulate their funds. We offer traditional and Roth IRAs. To further meet your investment preferences, IRA Share accounts and IRA Certificate accounts are available too!

Visit www.suffolkfcu.org/savings to learn more about how your money can work for you!

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PERSONAL BANKING

Club Accounts

Looking to save for a big purchase such as a home, gifts for the holidays or a well-deserved vacation? Club accounts can help you build your nest egg so you’ll have the cash on-hand when you need it!

t How Do Club Accounts Work?

You can open any Suffolk Federal Club account with just $5. Then, you decide how much you would like to deposit, any time, through Direct Deposit, Payroll Deduction or by stopping by any of our convenient branch locations. You can also transfer funds from any of your Suffolk Federal accounts by our Member Telephone Service (MTS) or through Online Banking too!

It’s never too early to start saving for the holidays! A Holiday Club account makes saving and shopping for the holiday season a whole lot easier. Funds are transferred to your Savings account each year during the first week in October, so you can let the shopping begin! An early withdrawal fee of $10 per withdrawal will be imposed.

Club accounts require a minimum opening balance of $5. Minimum balance required to earn dividends is $100. Dividends are calculated on daily balance and credited monthly. See current Rates at www.suffolkfcu.org/rates for annual percentage yield paid on balances.

Vacation Club Account

First Home Club

At Suffolk Federal, we know how exciting it is to be searching for your first home. We also know how important it is to save ahead of time for the costs involved. The First Home Club account helps you save and rewards your efforts too! For each $1 saved, eligible members can receive $4 in matching grant funds (up to $7,500*) to use towards your down-payment and your closing costs.

At Suffolk Federal, Our mortgage experts provide the financing options you need, while treating you with the respect and dedication that all of our members deserve. *A First Time Home Buyer is defined as an individual and his or her spouse who have not owned a home during a 3-year period prior to the purchase of the new home. The First Home Club is a program of the Federal Home Loan Bank of New York and may be subject to change at anytime. Account details and eligibility requirements can be found on the credit union’s Club Account page www.suffolkfcu.org/holiday-vacation-club.

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Holiday Club Account

Save for your vacation getaway in advance with a Suffolk Federal vacation club account, and it will be smooth sailing when you’re ready to go! A Vacation Club account provides the same savings opportunity as the Holiday Club account, with added flexibility. Not only can you save for that much-needed getaway, but this account can be used for just about anything else you can think of. A Vacation Club account has the added flexibility of allowing one withdrawal per month. If more than one withdrawal is made per month, an excess withdrawal fee of $10 per withdrawal will be imposed.

Tax Time Club Account

Looking for an easy way to save for property taxes or even potential Federal and State taxes that you might owe? A Tax Time Club account makes it simple to save. If more than one withdrawal is made per quarter, an excess withdrawal fee of $10 per withdrawal will be imposed.

To learn more about our First Home, Holiday, Vacation or Tax Time Club accounts www.suffolkfcu.org/holiday-vacation-club.

Mortgages At Suffolk Federal we’re committed to making your entire experience easy, convenient and hassle-free. With us as your mortgage provider, you get...

t A mortgage that fits your life

We’ll work with you one-on-one to identify your needs and goals, then tailor your mortgage accordingly.

Personalized, responsive service.

From day-one, you can look to us for expert advice and world-class member service.

A secure online application process

Complete your application from the comfort of your home. We can even provide pre-approval so you can start home shopping.

Competitive interest rates

As a not-for-profit organization, Suffolk Federal typically offers lower loan rates than other financial institutions.

Fixed & adjustable-rate options.

We offer a number of rate options and will find the best option for you.

Low fees & affordable closing costs

We keep costs to a minimum, so you don’t have to deplete your hard-earned savings to finance your home.

“It is rare in this world to come across employees who go out of their way to help a member. You have such a person in Suffolk Federal Call Center. I was in a frustrating situation and your employee went out of her way to get me to the right person. Although my problem is still pending, I am closer to having it resolved. Kudos to a great employee.”

Home Mortgages

Welcome home! Home ownership is a goal for many of our members. We are proud to offer a wide range of fixed and variable rate mortgage programs tailored to meet each member’s unique needs and goals, whether you are purchasing a new home or refinancing the home you already own.

Home Equity Loans

See your unused equity working better for you? We see it too. With a low, fixed-rate Home Equity Loan, you can consolidate bills, make home improvements, pay for college expenses or buy a new car. It’s your equity, and your choice of how best to use it.

Hybrid Adjustable Rate Mortgage

– Phyllis Haner SUFFOLK FEDERAL MEMBER

A hybrid adjustable-rate mortgage blends the characteristics of a fixed-rate mortgage and a regular adjustable-rate mortgage. This type of mortgage will have an initial fixed interest rate period followed by an adjustable rate period.

Reverse Annuity Mortgages

The Senior Security Home Advantage Program allows a homeowner to borrow money against the value of thier home. No repayment of the mortgage (principal or interest) is required until the borrower passes away or the home is sold.

For the latest rates, visit our Mortgage Center at www.suffolkfcu.org/mortgages. To speak with a Home Finance Consultant about a Loan, please call 1-866-774-2384.

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Fixed Home Equity Loans

Home Equity Lines-of-Credit

Repayment term up to 20 years Minimum loan amount of $20,000 Low rates Interest may be tax deductible (Consult a tax advisor) No closing costs up to $150,000* Borrow up to 80% of appraised value less your outstanding mortgage Loan Payment Protection

Repayment term up to 20 years Minimum line-of-credit of $20,000 Maximum line-of-credit of $417,000 Low rates Interest may be tax deductible (Consult a tax advisor) Advance options available Borrow up to 80% of appraised value less your outstanding mortgage

Featuring:

Featuring:

*Suffolk Federal will pay closing costs (except appraisal fee on HELOCs) on loan amounts up to $150,000 on properties located in New York State only. If you pay-off and close your loan less than 3 years from loan origination date, you will be required to reimburse all closing costs paid by Suffolk Federal. For loan amounts up to $150,000, closing costs are estimated at $1,200. Available for primary and secondary residences excluding mobile homes, boats, co-ops, homes for sale. Hazard insurance is required. Please speak to an Suffolk Federal representative for additional information, applicable fees and terms.

Personal Loans

Looking for extra cash, Suffolk Federal offers unsecured personal loans, based on your credit history and your ability to pay.

t Fixed Rate Personal Loan*

If a Personal Loan with a low fixed-rate and flexible terms is what you’re looking for, speak to a Suffolk Federal Member Representative.

Featuring: “I am very happy I left my bank a few years ago for Suffolk Federal. It has been a great experience that the big banks can no longer match or even try to offer. Any time I have a chance to recommend Suffolk Federal I do.” – Frank Renna SUFFOLK FEDERAL MEMBER

Maximum loan amount of $20,000 Minimum loan amount of $500 Term up to 60 months Minimum payment $25 per month Competitive rates and fast approval! Convenient automatic payments through your FREE Advantage Checking Account *Rates are subject to change without notice. For every $1,000 borrowed at 8.40% APR (Annual Percentage Rate) for 60 months, the monthly payment will equal $20.47. All loan requests are subject to credit approval and income verification. Applicants who are not approved at this rate or term may be offered credit at a higher rate and/or different term. Maximum loan amount is $20,000. Share account with $5 minimum balance required. Please see a Suffolk Federal representative for additional information, applicable fees and terms.

Share Secured Loan*

You can apply for a Secured Loan too, allowing you to borrow up to 100% of what’s available in your Share Savings Account! *For all variable-rate loans, the APR may change after consummation. The Share Secured loan rate is calculated as the dividend rate plus 3.00%. For Share Secured loans, the minimum payment will be $25.00. There are no fees associated with the Share Secured loan. Please see a Suffolk Federal representative for additional information, applicable fees and terms.

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Personal Line-of-Credit* Your Suffolk Federal Personal Line-of-Credit is at your fingertips, 24 hours a day, seven days a week. Best of all, you complete just one simple application. When your line-of-credit is approved, you’ll have a ready source of cash for years to come!

Featuring:

Maximum loan amount of $20,000 Minimum loan amount of $100 Minimum payment – 2% of the balance* Competitive rates and fast approval Convenient automatic payments through your FREE Advantage Checking Account *For all variable–rate loans, the APR may change after consummation. The minimum payment for the variable line-of-credit will be 2.00% of the outstanding balance rounded up to the nearest dollar, or $10.00, whichever is greater. Please see a Suffolk Federal representative for additional information, applicable fees and terms.

Visit www.suffolkfcu.org/personal-loans to learm more about how we can help!

PERSONAL BANKING

Vehicle Loans

Drive your way with an Auto, Motorcycle, Boat or RV Loan from Suffolk Federal.

t Auto Loans

Luxury, engine power, safety, fuel-efficiency or just plain fun! We understand your reasons for treating yourself to a new set of wheels. However you choose to drive to your destination, at Suffolk Federal, we have the Auto Loan that can help you get there.

New Cars: Financing up to 100% MSRP, plus sales tax, license, and extended warranty.* Used Cars: 100% financing up to NADA retail value or the purchase price, whichever is less, plus sales tax, title, and extended warranty.* Lower Rates with Automatic Payments (Direct Deposit or Share Transfer) Extended Warranties Available GAP (Guaranteed Asset Protection) Insurance MEMBER’S CHOICE® Mechanical Repair Coverage Loan Payment Protection

Motorcycle, Boat or RV Loans

We have loans for all of your motor vehicles, including personal watercraft and off-road vehicle loans. * New auto loans may finance up to 100% of the MSRP or the purchase price, whichever is less, plus sales tax, license, and extended auto warranty. Used auto loans may finance up to 100% of the NADA Value Guide or the purchase price, whichever is less, plus sales tax, license, and extended warranty. Extended warranty financing maximum is $2,000 on autos and $2,500 on trucks. Extended warranty finance limit on all other vehicles is $2,500. Please see a representative for additional information, applicable fees and terms.

Super-Cool Auto Options Our ‘Everything Automotive’ Buying Resource Center connects you with auto research and comparison tools to help you make a smart car-buying decision while obtaining financing from Suffolk Federal. For more information visit www.groovecar.com/suffolkfederal.

AskAuto® App!

Find the Perfect Car... and the Perfect Auto Loan with AskAuto®. Download the free AskAuto® app! With this handy app you can: Scan VIN numbers to get retail costs and EPA mileage information. Compare, rank and save notes on vehicles you want to buy. Apply for a Suffolk Federal loan anytime, anywhere using your Smartphone or mobile device. Just scan your driver’s license and the AskAuto® app pre-fills the loan application with your personal information and vehicle info for the car you’re interested in. Receive the most up-to-date auto offers and specials from Suffolk Federal for your current location! To get the most from the AskAuto® app, select Suffolk Federal on the startup screen, choose “Settings” and select the “ON” button to receive local offers.

Enterprise Car Sales

Get unbeatable deals by purchasing a car through Enterprise Car Sales with low-rate financing from Suffolk Federal. Preview quality used cars at www.enterprisecarsales/suffolkfederal.

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PERSONAL BANKING

Credit Cards

See yourself spending less on credit card interest every month– and more on what really matters to you? We see it too.

t MasterCard® Platinum Enjoy all the conveniences of a credit card, without a high interest rate or annual fee. Plus, our credit cards come outfitted with advanced EMV chip technology to better protect you from fraud.

MasterCard® Rewards Earn great rewards when you shop with a Suffolk Federal MasterCard® Rewards credit card. No annual fee, and a great rate! Get the rewards you really want: 1% on all purchases, all the time. Earn points for every dollar you spend using your MasterCard® Rewards card. With your earned points, you can unlock the door to exciting travel opportunities, premium merchandise, gift cards and more. The more points you earn, the greater your reward! Plus earn double rewards on the first three months and 2,500 bonus points each quarter when purchases exceed $4,000!

MasterCard® Secured Working to build your credit? The Suffolk Federal MasterCard® Secured credit card may fit your needs best! You can secure your card with an equal deposit in your Share Savings account.

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MasterCard® Debit Card See yourself shopping with added peace of mind? At Suffolk Federal, we see it too. Your MasterCard® Debit Card is outfitted with advanced EMV chip technology and is designed to give you the best, most secure purchase experience possible. Plus, in the coming months you will earn rewards everytime you use your debit card for signature based transactions. Suffolk Federal’s MasterCard® Debit Card helps you save money by earning rewards. Rewards can then be redeemed for cash back, merchandise and travel.

Why EMV? Your Suffolk Federal MasterCard® is outfitted with advanced EMV chip technology to better protect you from fraud, and offers: Enhanced 24/7 fraud monitoring. Your EMV chip provides dynamic data that cannot be known by someone who steals your card or card number. The chip also makes replicating and counterfeiting your card more difficult than one with a magnetic strip alone.

To learn more and apply visit www.suffolkfcu.org/credit-cards.

Business Banking

Your business is our priority! At Suffolk Federal, we understand the needs of Long Island business owners and offer a wide range of Business Banking services to meet the demands of large and small companies.

t Business Checking Basic Business Checking provides unlimited check writing, no monthly fees, no per-check fees and up to $40 credit toward your first order of checks.

Deluxe Business Checking Unlimited check writing, no monthly fees*, no per check fees, and up to a $40 credit towards your first order of checks. Your Deluxe Business Checking interest is calculated on a daily basis when a $5,000 balance is maintained. *No monthly fees if minimum daily balance is maintained. Members with Deluxe Business Checking accounts that have their check images returned to them will be charged a monthly fee of $50. Members with Deluxe Business Checking accounts that do not receive their check images will not be charged a monthly fee.

Remote Check Deposit This super-convenient service lets you securely scan your checks for electronic deposit into your Business Savings or Checking account through Online Banking, any time of day. Remote Check Deposit for Business is available for a low monthly charge of only $15. It’s secure, easy and affordable!

MasterCard® Business Debit Card

Looking to protect your business with every purchase? Suffolk Federal’s MasterCard® Business Debit Card is outfitted with advanced EMV chip technology, designed to give you the best, most secure purchase experience possible, including enhanced 24/7 fraud monitoring. Plus, it works as your ATM card! You no longer need to worry about carrying cash, because you can use your Debit Card for all of your everyday purchases!

BUSINESS BANKING

Plus, in the coming months you will earn rewards everytime you use your debit card for signature based transactions. Suffolk Federal’s MasterCard® Business Debit Card helps you save money by earning rewards. Rewards can then be redeemed for cash back, merchandise and travel.

Courtesy Pay

At Suffolk Federal, we understand that sometimes you might not have enough money in your Business Checking Account to cover unforeseen purchases and costs. You can protect your account by enrolling in our Courtesy Pay/Overdraft Protection service.

For information, visit www.suffolkfcu.org/business-checking.

“Since joining Suffolk Federal, I have saved quite a bit of money in interest charges because of the fantastic rates. The Business Team is wonderful! I am never disappointed when I contact them.” – Marilyn Pepers SUFFOLK FEDERAL MEMBER

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Business Borrowing

Suffolk Federal helps businesses have easy access to cash to help build inventory, purchase new equipment and cover other expenses.

t Equipment Loans

BUSINESS BANKING

From local decision-making and fast turnaround, to our highly individualized loan packages with no pre-payment penalties, we have a complete spectrum of products that can make all the difference in your business’ success.

Commercial Mortgages

If you’re looking to acquire, refinance, or redevelop a commercial property, the team of professionals at Suffolk Federal are here to help make a diference for your business.

SBA Loans

“Suffolk Federal provided such a great rate on our mortgage refinance that in the end, it saves us a significant amount of money each month. Doing business with Suffolk Federal has certainly paid off. – Joseph Zehentner SUFFOLK FEDERAL MEMBER

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From expanding your business to recovering from disasters, SBA loan programs are available to help your business succeed. Explore various types of loans that may be available to you, including: 7(a) loans and SBA 504 which are part of SBA’s most common programs.

Business Line-of-Credit

With the flexibility of Suffolk Federal’s Business Line-of-Credit, your business can access funds any time to help improve cash flow or make important purchases.

Business Overdraft Line-of-Credit Get piece of mind with Suffolk Federal’s Business Overdraft Line-of-Credit. Linked to your primary business checking account it provides overdraft protection with no monthly fee or annual fee.

Vehicle Loans

Suffolk Federal helps business owners grow with low-rate financing they need to purchase automobiles, vans, box trucks, or even big rigs.

Business Credit Card

Your MasterCard® Business Rewards card outfitted with advanced EMV chip technology, works for your business, and for you, while protecting you from fraud. Features: Revolving credit line of up to $50,000. Earn 1% on all purchases, all the time. Earn points for every dollar you spend redeemable for travel, merchandise, gift cards — even cash. A low rate and online access that makes it easy to manage your business expenses.

To learn more about how we can help your business, visit www.suffolkfcu.org/commercial-loans.

Business Services

Suffolk Federal helps businesses have easy access to cash, to help build inventory, purchase new equipment and cover other expenses.

t Payroll Services

Suffolk Federal, in partnership with Paychex®, offers payroll processing and human resource services, along with employee benefits-outsourcing solutions for our business customers. For more information, visit www.suffolkfcu.org/payroll-services.

Merchant Services

Suffolk Federal partners with Electronic Payments, a leading provider of innovative payment processing solutions for businesses, to provide businesses with the latest services, products and programs, all backed by the highest standards in customer support and a satisfaction guarantee.

Business Banking Technology

Suffolk Federal merchants now have access to customized payment processing services, unrivaled in-house support and low-cost guarantees on the most advanced programs and equipment, all through our partnership with Electronic Payments.

Clover™ Placement Station

Developed by some of the best industrial designers, Clover Station is built specifically for point of sale. Its performance lives up to its sleek, modern design, with user-friendly software that ensures businesses run optimally. The standard Clover Station bundle includes everything a merchant needs to successfully process payments and manage their business, including the tablet, cash drawer, printer, plus a barcode scanner for gift card transactions and inventory! Solutions can be customized and tailored specifically to your needs. Find out how this best-in-class equipment can increase your business efficiency and customer transaction satisfaction! No upfront costs No lease or purchase commitments No long-term contracts. For details on the products available visit www.suffolkfcu.org/merchant-services.

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PRESORTED STANDARD US Postage PAID Permit #125 Farmindale, NY

3681 Horseblock Road P.O. Box 9005, Medford, NY 11763

MasterCard Platinum

Home Equity Loans

Look what you can do with your homes equity…A fixed-rate loan, as low as 3.95% APR* Rates and terms are subject to change based on borrower eligibility and market conditions and reflect automatic payment discount. For every $1,000 borrowed at 3.95% APR for 60 months, the monthly payment will equal $18.39. APR is fixed at time of loan, but will increase .50% APR if member stops automatic payments. Minimum loan amount is $20,000. Applicants who are not approved at these rates may be offered credit at a higher rate. All loans are subject to credit approval and income verification. Available on 1- to 4-family primary or secondary residences, excluding mobile homes, co-ops and homes for sale, under construction or on leased land. Hazard insurance is required. Rate as of 11/1/16.

0.00% APR six-month introductory rate on purchases and transfers. After intro, variable rate as low as 7.74% APR* Introductory rate for new accounts on purchases only. After the introductory period, the initial variable rate applied to balance is based on credit history, and maybe higher than 9.9% APR. APR is variable and based on the Prime Rate as published monthly in The Wall Street Journal. For more information on any of the above-mentioned loan and line options, please see a Suffolk Federal representative. Rate as of 11/1/16.

Auto Loans

Personal Loans

Financing your car purchase, new or used is a smart way to roll! Rates as low as 1.47% APR*

The right loan at the right rate for just about anything! Rates as low as 8.40% APR*

Rates and terms are subject to change based on borrower eligibility and market conditions, and reflect automatic payment discount. For every $1,000 borrowed at 1.47% APR for 60 months, the payment will equal $17.30. APR is fixed at time of loan, but will increase .50% APR if member stops automatic payments. Loans greater than 60 months are available at a higher rate. Loan request is subject to credit verification at the time of the loan. Rate as of 11/1/16.

Rates and terms are subject to change based on borrower eligibility and market conditions and reflect automatic payment. For every $1,000 borrowed at 8.40% APR for 60 months, the monthly payment will equal $20.47. APR is fixed at time of loan, but will increase .50% APR if member stops automatic payments. All loan requests are subject to credit approval and income verification. Applicants who are not approved at this rate or term may be offered credit at a higher rate and/or different term. A Share Secured loan rate is calculated as the dividend rate plus 3.00%. For Share Secured loans, the minimum payment will be $25.00. There are no fees associated with the Share Secured loan. Rate as of 11/1/16.

Visit us online at www.suffolkfcu.org for all of our loan products. Rates subject to change at any time. Commack Branch

Medford Branch

Sayville Branch

3681 Horseblock Road, P.O. Box 9005 Medford, NY 11763

213 North Main Street Sayville, NY 11782

Eastport Branch

Miller Place Branch

Southampton Branch

691 Route 25A Miller Place, NY 11764

850 County Road 39 Southampton, NY 11968

Islandia Branch

Riverhead Branch

West Babylon Branch

6150 Jericho Turnpike Commack, NY 11725

5 Eastport Manor Road Eastport, NY 11941

1282 Motor Parkway Islandia, NY 11749

Route 24 at 2 Enterprise Zone Drive Riverside, NY 11901

631.924.8000 www.suffolkfcu.org

50-108 Route 109 West Babylon, NY 11704

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency