1952-2017 EVERYO NE IT’S TIME - Wanigas · $100 cash reward with every new line switched to Sprint! Current customers will receive $50 for every line transferred. Plus, a $50 loyalty

wanigas.com January 2017

“It’s time for you to shine”

Annual Meetingpage 2

Thank you for your many years of dedicated service!

Sandy Hartl 40 Years

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*APR= Annual Percentage Rate. Rates 1.99% APR through 7.99% APR. Rate determined by credit score. Not valid on refinancing of current Wanigas loans. Collateral must be a 2011 or newer. 72-month maximum term. Up to 100% Loan-to-Value. Member must have direct deposit and automatic transfer of monthly payment. Normal loan approval guidelines apply. Cannot be combined with any other promotional offer. Offer valid January 1, 2017 through March 6, 2017.

65TH YEAR!to celebrate our

EVERYONEWIns

*Loans currently financed with Wanigas CU are not eligible for this offer. Valid on first mortgage loan amounts of $50,000 and greater. Excludes Home Equity and Non-Conventional Mortgages. Cannot be combined with any other offer. Offer valid through March 31, 2017.

a LOW RATE!

1952-2017

$650 OFF* YOUR MORTGAGECLOSING COSTS

IT’S TIMEFOR YOU TOshineshine

Martin Chevrolet Private Salepage 3

Pay Direct with Digital Walletpage 3

$ Love My CreditUnion Rewardspage 4

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Join us as we celebrate another year of service, share our plans for the future, and enjoy food and fun with entertainment by The Rick Lieder Band.

Tickets will be available to purchase in the branches beginning Monday, January 30, 2017.

2017 ELECTION/NOMINATING COMMITTEE REPORT

Valorie Green, Chairperson of Wanigas Credit Union’s Board of Directors, appointed Gus Alexander, Pat McCulley, B.J. Osborne and Tom Pesta to serve on the Election/Nominating Committee. Any member of Wanigas Credit Union who is 18 years of age or older and meets the qualifications, set by the Board of Directors, is eligible to hold an elective office at the Credit Union.

The election of Board of Directors and Credit Committee members will be held at each branch office of Wanigas Credit Union from Monday, February 20, 2017 until Friday, February 24, 2017. To allow the members to have at least 24 hours to vote, voting will be during each branch office’s fully operational normal business hours. In addition, voting will be available prior to the beginning of the Annual Meeting at the Horizons Conference Center on Saturday, March 11, 2017. Each of the following nominees for elective office has met or exceeded the qualifications required for the position. Additional nominations may be submitted, if each nomination is supported by a petition signed by at least 1% of the members, or 264 members, who are eligible to vote by Friday, February 3, 2017. Petition forms are available at each Credit Union branch. There will be no nominations from the floor. The election will not be conducted by ballot when there is only one nominee for each position to be filled. There are (2) positions for three-year terms for the Board of Directors. There are (2) positions for two-year terms for the Credit Committee.

DATE: Saturday, March 11, 2017 LOCATION: Horizons Conference Center 6200 State Street SCHEDULE: Doors open at 5:30 pm Open Bar 6:00 pm – 9:30 pm (closed during Business Meeting) Dinner will be served at 6:30 pm Business Meeting will follow dinner COST: $18.50 per person $13.50 for retirees

Steve’s history of volunteer service with Wanigas Credit Union began in 2001. He has served on the Board of Directors for 16 years. Steve is currently a member of the Board of Directors and has been a Wanigas member for 48 years.

Ja’Lynn’s history of volunteer service with Wanigas Credit Union began in 2013. She has served on the Credit Committee for 4 years. Ja’Lynn is currently an alternate on the Credit Committee and has been a Wanigas member for 18 years.

Gerald’s history of volunteer service with Wanigas Credit Union began in 1989. He has served on the Credit Committee for 12 years and on the Board of Directors for 16 years. Gerald is currently a member of the Board of Directors and has been a Wanigas member for 40 years.

Sheldon’s history of volunteer service with Wanigas Credit Union began in 2011. He has served on the Credit Committee for 6 years. Sheldon is currently a member of the Credit Committee and has been a Wanigas member for 19 years.

Enrique’s history of volunteer service with Wanigas Credit Union began in 2011. He has served on the Credit Committee for 6 years. Enrique is currently an alternate on the Credit Committee and has been a Wanigas member for 32 years.

Lynnette’s history of volunteer service with Wanigas Credit Union began in 2008. She has served on the Credit Committee for 9 years. Lynnette is currently a member of the Credit Committee and has been a Wanigas member for 44 years.

2017

The following members have completed the necessary nomination application and are eligible to run for Board of Directors open positions and Credit Committee open positions:

Steve Jurik(Incumbent)

Ja’Lynn Jones(Alternate)

Gerald Little(Incumbent)

Enrique Ortega(Alternate)

Sheldon Matthews II

Lynnette Scott(Incumbent)

Annual Meeting

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BOARD OF DIRECTORS NOMINEES3–Year Term (2 positions)

CREDIT COMMITTEE NOMINEES2–Year Term (2 positions)

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*APR = Annual Percentage Rate. ** Once your 9 month 3.99% APR on balance transfers expires, the balance transfer rate reverts to your variable rate of 7.45% APR – 18.45% APR based on your credit worthiness. Balance transfer amount must be $500 or more to qualify for Introductory Rate. No Balance Transfer Fee during 9-month promo period. Balance Transfer offer valid for new VISA Cards only.

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P L A T I N U MVALIDTHRU 09/18

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You can make purchases on the go simple and quick by connecting your Wanigas MasterCard Debit Card or VISA Credit Card to your

smartphone. Look for the above logos displayed at merchants, and you can conveniently pay for purchases through your smartphone!

Visit wanigas.com for more details.

Pay Direct with Your

DIGITAL WALLET When You’re On The Go!

3.99%APR*

FOR 9 MONTHS**

I N T R O D U C T O R Y R AT E

B A L A N C E T R A N S F E RPLATINUM

Love Your New Auto& YOUR LOAN!

Eligible members will receive our exclusive90 DAYS NO PAYMENT* OFFER!    

TUESDAY, FEBRUARY 14, 20178800 Gratiot Road, Saginaw, MI 48609

*Not valid on refinancing of current Wanigas loans. New Money Only. Normal loan guidelines apply. Interest accrues from date loan is funded.

Offer valid February 14, 2017.

PRIVATESale

4989 • 759 • 5780 800 • 675 • 2285

HolidayClosingsNEW YEAR’S DAY

Monday, January 2, 2017

MARTIN LUTHER KING JR. DAY

Monday, January 16, 2017

PRESIDENTS’ DAYMonday, February 20, 2017

Everyone loves to save, especially on products and services you use every day. That’s what Love My Credit Union Rewards is all about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners:

$100 cash reward with every new line switched to Sprint! Current customers will receive $50 for every line transferred. Plus, a $50 loyalty reward every year for every line!* Save up to $15 on TurboTax federal products! Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. Get trusted protection at true savings with TruStage Auto & Home Insurance Program. Shop and get cash back at over 1,500 online retailers with Love to Shop

To find out more and learn about other valuable discounts, visit LoveMyCreditUnion.org. You get all these offers and discounts just for being a member of Wanigas Credit Union.

Start saving today at LoveMyCreditUnion.org.

Wanigas CU Members Get Exclusive Discounts from

Helpful Tipsfor Taxes

; Look for your 1099 Form to arrive in the mail. Please retain this form for your tax preparation.

; Request Direct Deposit for your tax refund. Your money will be deposited in your Credit Union account, usually within 10 days. Simply complete the Direct Deposit line on your tax form, and include your Wanigas account number and our routing number: 272484807.

; Please note that if you deposit a non-government refund check, our policy is to advance a maximum of $500 with a five business day hold on the remaining balance.

Wanigas Credit Union has teamed up with TurboTax® to save you up to $15 on TurboTax federal products, and a chance to win $25,000! Just try TurboTax Online for FREE (and provide your email address) by February 16th to be automatically entered in the TurboTax $25,000 Payday Sweepstakes.1 Start TurboTax now!

1 TurboTax $25,000 Payday Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the fifty (50) United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/16/17. Subject to complete Official Rules and all applicable federal, state and local laws. For Official rules including odds of winning, alternate method of entry, and prize descriptions, visit the Official Rules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.

State filing charges apply. Limited time offer for TurboTax 2016. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

*Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2017. Avail. for eligible credit union members and member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visit lovemycreditunion.org/sprintrewards. Other Terms: Offers/

coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.