November 2019

Dear Member, As the holiday season approaches, I want to highlight our Holiday Loan * program. The cost of presents, gift exchanges, and parties can really add up. A Holiday Loan from TBACU may be just the assistance you need.  You can apply for an instant $1,000, saving you time with a quick approval process, while offering peace of mind knowing you will have funds deposited directly into your account. With minimal requirements, this loan can help ease some financial stress often felt this time of year:

Must be an existing TBA Credit Union member. 11-month term. No credit check with six months of direct deposit with a monthly minimum of $1,000. Must be current on all loans. For more information, please visit our website , stop by one of our branches, or contact our Service Center Team at 231.946.7090.

Warmly,

Karen Browne CEO

*Insured by NCUA. This offer is subject to the credit policies of the institution. Minimum $1,000 monthly direct deposit into a TBACU account, 6 months verifiable income, and current on all TBACU loans required. Offer available through 12/31/2019.

VISA Gift Cards Looking for a gift that everyone enjoys? Pick-up a TBACU VISA Gift Card. Convenient and easy to mail, our VISA Gift Cards are the gift that keeps on giving. Values range from $10-$1,000. Contact our Service Center for more information today!

We make banking easy. Learn how to bank from anywhere with It'sMe247 Online Banking, the TBACU Mobile App, and more. There will be two, one hour sessions at 12 pm and 3 pm. Workshops are always FREE to members.

Register Today!

Investment Services

Start Investing SPECIAL OFFER! Let's put your hard- earned money to work. You could earn up to $100** by consolidating your 401(k) or Individual Retirement Account (IRA) to TBA Investment Services available through CFS! Rollover a... $25,000 investment and receive $25 $50,000 investment and receive $50 $100,000 and receive $100  Schedule your complimentary, no-obligation consultation today. Please call Andrew directly to set up an appointment at 231.946.8794 or visit us online .

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC ) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. TBA Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. **Offer valid for individuals who open a TBA Investment Services account with a minimum of $25,000 by December 31, 2019. Void where prohibited. TBA Credit Union membership is required to take advantage of this special offer. $100, $50 or $25 will be deposited into the member's savings account within 14 business days after account funding. Taxes are the sole responsibility of the recipient. Limit $100 reward per client. A client cannot receive more than one investment reward per year. Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.

Thanks-for-Giving Project TBA Credit Union is partnering with NMC Business Students to feed 200 families for Thanksgiving! You can help us by dropping off cans of yams at Front Street and cans of gravy at South Airport by November 19th . For more information visit the NMC Food For Thought Facebook page.

10th Annual TC Children's Book Festival Saturday, November 9 | 10:00 am-2:00 pm Join us for a day of great, free family fun celebrating literacy at the City Opera House. Local non profits will have arts and crafts, and face painting by Painted Lady. There will be live performances by the Old Town Playhouse Young Company and Storyteller Jenifer Strauss. A ward winning authors from across the country will be present with their books, which can be purchased on site with the help of TBA Book Bucks . These Book Bucks spend like cash at the event and can be used with purchases from any vendors. Visit our  website and social media for more information about TBA Book Bucks.  Learn More! GT Woman Workshop Series Wednesday, November 13 | 8:30-11:30 am TBA Credit Union is excited to be the lead sponsor for this 2-hour workshop and breakfast at Kirkbride Hall. Emotional Intelligence is essential for today's effective leader and plays a huge part in the workplace and you've maybe never even heard of it! Join TBA Credit Union as GT Woman presents Navigating Emotions At Work. Speaker Anne Bonney will help you navigate strategies for controlling emotional reactions and replacing them with effective, professional responses to get the desired results with your staff or coworkers. Register Today!

BRANCH HOURS: M - F, 9 am to 5 pm SERVICE CENTER CALL HOURS: M - F, 8 am to 6 pm  Mailing Address: P.O. Box 1049, Traverse City, MI 49685  P: 231.946.7090 or 1.800.678.0987  F: 231.932.5050  Federally insured by NCUA. Equal housing opportunity.

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