YOURSHARE

O K L A H O M A E M P LOY E E S C R E D I T U N I O N N E W S L E T T E R
Fall 2011

Better Rates + Lower Fees = BIG SAVINGS

At OECU we take your finances personally. Thats why we strive to give you the individual attention you deserve. Youre not an account number. Youre a unique person with your own financial needs. What can we do for you today?

P.O. Box 24027 Oklahoma City, Oklahoma 73124

Presorted Standard U.S. Postage PAID Oklahoma City, OK Permit No. 1541

MARKMYWORD
by striving to exceed your expectation every time you have contact with us. We make it as easy as possible for you to do business with us by offering various methods to access your accounts. Our online banking, online bill pay, mobile banking and phone center enable you to choose the method that you are most comfortable with. More members are using the convenience of our secure online banking options more than ever. However, for members that would rather talk with a person, our phones are still answered by fully trained Member Services Representatives. As we get ready for the holiday season, remember to use your resources wisely and let us know if we help you in any way! Thank you for choosing OECU. We appreciate the opportunity to serve you. Happy Thanksgiving!

OECU President

Mark Kelly

We at Oklahoma Employees Credit Union give our members great service

Out and about with Jessica McConnell

Did you know OECU supports over 200 agencies and organizations in Oklahoma? From Guymon to Idabel and everywhere in between we strive to fulfill the financial needs of state employees. A good portion of this task falls to a very busy employee, Jessica McConnell. Jessica travels to agencies across Oklahoma. Not only does she talk about the benefits of OECU, she presents various financial seminars and is available to answer any questions people have. This job isnt a 9-5 job. I get to make visits at

EMPLOYEESPOTLIGHT
6 a.m. before the crews leave for the job site and other days I stop by at 6 p.m. to catch people at shift change, explains Jessica. Thats my favorite part, being there for people. Plus, each day is something different. Jessica spends a lot of time in the car taking in the scenery, but she believes the biggest perk of her job is the food! Thats right, Oklahoma has some of the best restaurants you never knew about and I try to discover them all says Jessica.
Heres a list of Jessicas favorite restaurants (so far): 1. Treats & Treasures Old Fashioned Soda Fountain-Talihina 2. Kumback Caf-Perry 3. Polly Anna Caf-Woodward 4. Sugar Shack Bakery-Elk City 5. Ten Star Pizza Kitchen-Ardmore

If you would like to schedule a seminar with Jessica, call 405.602.1123 or jessica.mcconnell@oecu.org

Dont miss this limited time offer on auto loans!

IS0%FINANCINGREALLYTHEBESTDEAL
Undoubtedly youve heard about the zero percent financing offers that many auto manufacturers have promoted. Although they seem to be incredible deals and are certainly enticing, you should read the fine print and know the facts before you head to your local dealer. Beware of those teaser rates! Teaser rates have always been offered to drive more business to the dealerships but, all too often, these offers are not beneficial to the buyer. Knowing what to look for, and what questions to ask the dealer, will help you decide if zero percent is the best deal for you. Here are a few of the facts and restrictions that may apply: Almost perfect credit may be needed to qualify for these offers You may be required to give up a manufacturers rebate It could mean shorter terms and larger monthly payments It is usually offered on a limited number of models You may be limited to dealer stock and not be able to choose the exact vehicle you are interested in By using OECUs low percentage rate you are qualified to use any rebates offered by the manufacturers which means, this could be your best deal! With the rebate, you are reducing the amount that you are financing. Therefore, your overall costs may be lower than if you opted for the special factory financing. Review the chart for an example of the price savings using our low rate financing in comparison with the manufacturers 0% deals.

Factory Financing
Term Rate Price Rebate Loan Amount Total Payments 48 months 0.00% APR $20,000 ($0.00) $20,000 $20,000

OECU Financing
48 months 1.90% APR** $20,000 ($2,500) $17,500 $18,188

You could save $1,812 over the life of your loan!

*Borrower may defer initial auto loan payment up to 90 days. Interest will accrue from date of advance. Min loan $10,000. Excludes refinance of existing OECU loan. Offer valid 10/1/11 12/31/11. Normal lending policies apply. ^No purchase necessary. Auto loan applications submitted 10/1/11 12/31/11 automatically entered to win. $1,000 max prize allowance. Must be at least 18 years old. May visit www.oecu.org to enter. Excludes refinance of existing OECU loan, OECU employees, Volunteers, and immediate family members. +Min loan $10,000. Excludes refinance of existing OECU loan. Offer valid 10/1/11 12/31/11. Normal lending policies apply.**Annual Percentage Rate. 680+ credit score. 679 or less credit score will be 2.00% APR off the earned rate. Max term 36 months. Min amount $10,000. Existing OECU loan min advance $2,500. Requires automatic payments and eStatements. Limited time offer. Normal lending policies apply. Excludes other offers.

MEMBERSPOTLIGHT
William has his eye on the target to raise $1 million for Oklahomas sick kids. William Diers is just ten years old, but hes been through more in that short time than most of us will in a full lifetime. In May of 2007 at the age of 5, William was taken to the emergency room for what his parents thought was a case of the flu. His conditioned worsened before doctors determined he had a life threatening case of bacterial pneumonia. At the hospital, he underwent three surgeries before his body shut down. He was on a machine for cardiac and respiratory support and in a drug-induced coma for more than a month. His family feared the worst. But one day during that hospital stay, William woke up, healthy. His frightful ordeal was over and hes been called a miracle child ever since. Now,William wants to take that miracle spirit and help others. He has set a life goal of raising one-million dollars for the Childrens Hospital Foundation, an affiliate of Childrens Miracle Network Hospitals. Through many fund-raising efforts William says he wants to help pay hospital costs for kids who cant afford it.

He said that it only takes 1 million people to donate $1 each to reach his goal. Since theres over 3 million people in Oklahoma, he figures that the odds are pretty good. Or, it would only take 1 person willing to donate $1 million. Either way, he figures its do-able. When you think about the odds he overcame to be here, anything William sets out to do seems reasonable. To learn more about William and his goal visit www.williamsmillion.com. OECU is proud to be part of Credit Union for Kids who support Childrens Miracle Network Hospitals. Last year Oklahoma credit unions raised over $153,000 for Childrens Hospital in Oklahoma City.

SHOPTILYOUDROPDURINGTHEHOLIDAYS
Are you ready for the holiday shopping season? You are if you have a MasterCard from OECU. From November 1, 2011 to December 31, 2011 your credit card purchases and cash advances are only Dont have a credit card with OECU? Save money with low rates, no annual fee, no balance transfer fee & no inactivity fee. Save time & apply at oecu.org or 877.677.6328. to get your card in time for the holidays.

ttTAnnual Percentage Rate is variable. 1.00% foreign transaction fee. This offer is good through your May 2012 billing cycle on credit purchases and cash advances made between November 1, 2011 and December 31, 2011. Promotional rate subject to qualification. After your May 2012 billing cycle, the rate will return to the current rate indicated on your statement.

WWW.OECU.ORGHASUPGRADED
The address may be the same but we have upgraded the look and function. Here are some of the exciting new features: Product Reviews Surcharge Free ATM Finder Auto Sales and Research Section Credit Union Service Center Locator Look for the iPhone and Android coming soon!

ONESIZEFITSALL
Make your holiday shopping easy. Give the gift everyone will love, an OECU Visa Gift Card. The perfect gift - one size fits all Available from $5 to $750t Can be used anywhere Visa is accepted Conveniently available at any OECU Branch

**Annual Percentage Rate. 680+ credit score. 679 or less credit score will be 2.00% APR off the earned rate. Max term 36 months. Min amount $10,000. Existing OECU loan min advance $2,500. Requires automatic payments and eStatements. Limited time offer. Normal lending policies apply. Excludes other offers. tA service charge of $3.00 will be applied to each card purchased.

THEOKLAHOMAHISTORYCENTER

Located on 18 acres just east of the State Capitol Building, the Oklahoma History Center features a Smithsonian-affiliated museum dedicated to Oklahoma History and Culture and a National Archivesaffiliated Research Center. The museum contains five major exhibit galleries, each featuring exhibits on various aspects of Oklahomas exciting history. One of the special exhibits presently on display deal with the television show Hee Haw and the prominent role played by Oklahomans through the years in the production and performance of that popular program. Another exhibit deals with the history of automobile and truck transportation in Oklahoma. The permanent galleries contain exhibits on a wide range of Oklahoma subjects, including American Indians, land runs and lotteries, agriculture, pioneering innovations in broadcasting, wild-west shows, law and order, government and politics,

military matters, business and transportation, and many others. The Research Center is nationally renowned for its extensive and varied collections of materials relating to Oklahoma History. Among these holdings are 9,000,000 photographs, 33,000,000 pages of newspapers, 10,000 oral histories, and other massive collections. The Research Center also has outstanding collections and access to databases that make it an outstanding facility for conducting research on family history. Members of the Oklahoma Historical Society tour the History Center, and the societys 30 other museums and historic sites, free of charge and receive discounts at the Winnie Mae Caf, the Museum Store, and the Research Center. Membership information is available at www.okhistory.org, or by calling Shelly Crynes at 405-522-0317 or Paul Lambert at 405-522-5217.

DATESTOREMEMBER
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Veterans Day Friday, November 11 Stiles drive-thru and Virtual Branch open 9am - 1pm. All other branches closed. Thanksgiving Thursay, November 24 All branches closed. Day After Thanksgiving Friday, November 25 Stiles drive-thru open 9am-6pm. South Okc, Quail Springs and NW Expressway open 9am-6pm. Virtual Branch open 7am-6pm All other branches closed.

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CORE Holiday Event Thursday, December 8 11 a.m. to 1 p.m. McMurrain Center 10730 N. May, Oklahoma City Christmas Eve Saturday, December 24 All branches closed. Day After Christmas Monday, December 26 Virtual Branch open 7am-6pm All other branches closed. New Years Day Monday, January 2, 2012 All branches closed.

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Credit Union Service Centers are open. For account information access eBranch at www.oecu.org or call our 24-hour phone teller at 405.606.6338 (800.526.6663)

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NOHOLIDAYFROMSERVICE
Despite your plans to relax or spend time with family, holidays are a busy time that add even more to your schedule. That is why OECU gives you new & convenient service options to fit your schedule around holidays. We partner with Credit Union Service Centers to give you Shared Branching which means more options and extended hours. There are several Oklahomabased Service Centers open to serve you on many federal holidays when OECU is closed. Service Center locations are: Midwest City 232-B South Air Depot Midwest City, OK 73110 Yukon 1300 West Vandament, Suite 101 Yukon, OK 73099 North Oklahoma City 13801 N Penn, Suite G Oklahoma City, OK 73134 Norman 710 W Main Suite 130 Norman, OK 73069 Moore 741 N. Moore Moore, OK 73160 Tulsa 6105-A South Mingo Tulsa, OK 74133 You can find a complete list of Service Centers and Outlet locations, hours and maps at www. cuservicecenter.com or by downloading the free iPhone app. Service Centers and Outlets are simply an extension of us. You can easily complete many typical financial transactions including: Deposits & withdrawals Loan payments & advances Transfers between accounts Balance inquiries Transactions conducted at Service Centers are completed in real time so they appear on your account without any delay. So get your business done on your schedule and then get back to your holiday plans! Look for the swirl

TIPSFORSMARTHOLIDAYSHOPPING
With the holiday shopping season just around the corner and more than 55% of web users planning to do their holiday shopping online, here are a few important online shopping safety tips that could prevent your computer from becoming infected and your financial information from being stolen. Unsolicited emails: Scammers love the holidays because they know people are on the web with their wallet open, looking for bargains. While it may be tempting to click on an email link that says, Great Deal on iPads 50% off! Be careful, clicking that link could take you to a compromised site that downloads malware onto your computer or phishes for your credit card credentials. What to do: If the deal looks too good to be true, it probably is. But if youre still tempted, place your cursor over the link (without clicking on it) and check the URL. If you dont recognize the URL, stay far away. Keep in mind malicious links can also come from your closest friend whose computer has been unknowingly compromised. Beware of unsecured Wi-Fi hotspots: If youre a holiday shopper who likes to augment online shopping with actual store browsing like toting your notebook along so you can do quick price comparisons, dont connect to an unknown or unsecure hotspot. This allows hackers to capture any and all data thats flowing to and from the hotspot, enabling them to intercept logins and passwords. to a familiar location that offers a secure Wi-Fi connection. Remember that phishing attacks can happen whether youre on your laptop, tablet or smart phone.

Better Rates + What to do: Lower Fees = If you feel the urge to
jump online while youre out, go

$290 Mortgage Closing Costs

Looking to save money with a low rate, low cost, short term mortgage? Hurry before rates go up. Right now you can lower your term or payment all for just $290*^ total closing costs. Call us for all your home loan needs. We service your home loan from application to final payment. Youll never hassle with finding help. Our real estate experts are always just a phone call away. 877.677.6328 or 405.606.6328

OECU loves technologywe just dont think it should be answering our phones.
Your time is important. You shouldnt have to hassle with an automated phone tree. At OECU we have knowledgable staff answering the phones. Go ahead, call us on it. 405.606.6328

*^Excludes prepaid taxes, insurance, and interest. Must be primary residence first mortgage refinance or cash out. 3.99% Annual Percentage Rate. Max 12 years up to $150,000 and 75% loan-to-value (determined by county value or AVM). Min credit score 700. Limited time offer. Normal lending policies apply. Offer not available on residences outside Oklahoma or manufactured homes.