Go GreeN wITh e-sTATeMeNTs! - MUNA Federal Credit Union

Leading the Way • “More than a bank, securing YOUR future”
Office Locations & Hours
Corporate Office
4400 Hwy 39 N
Meridian, MS 39301
Branch Office
2130 Hwy 19 N
Meridian, MS 39305
Lobby Hours
Monday, Tuesday, Thursday
9:00 a.m. – 4:30 p.m.
Wednesday: 10:00 a.m. – 4:30 p.m.
Friday: 9:00 a.m. – 5:00 p.m.
Drive-Thru (Corporate Office)
Monday, Tuesday, Thursday
8:30 a.m. – 5:00 p.m.
Wednesday: 10:00 a.m. – 5:00 p.m.
Friday: 8:30 a.m. – 6:30 p.m.
Holiday Closings
Good Friday •April 6
Memorial Day •May 28
Independence Day •July 4
Labor Day • September 3
Columbus Day •October 8
Veteran’s Day • November 12
Thanksgiving •November 22-23
Christmas Day •December 25
While our offices will be closed,
you may access your accounts online
anytime at www.munafederal.
com or through CU*Talk phone
banking at 1-855-250-2603.
New! Free! CheCkING
Spring
2012
Go Green is a Free and Easy checking account for our members
that promotes paperless services with a Free e-package!
• No monthly service charge
• Courtesy pay for most over drawn accounts
• Earn interest when you maintain a daily balance of $500
• Free direct deposits
Free E-package includes:
• E-statements
• Online banking
• Bill Pay
• Audio Response System
Go GreeN wITh e-sTATeMeNTs!
Enroll today and experience the convenience of online e-statements.
Instead of printing your statement on paper and mailing it to you, you
will receive an email that alerts you that your statement is ready to be
viewed. It offers greater security and confidentiality than ordinary
mail. Signing up for e-statements is easy. Just log into your account
and click on the e-statements icon. Follow the easy prompts and you
will be able to receive your next statement electronically.
The sAVINGs Are IN The bAG
Save big with Sprint’s Credit Union Member Discount Plan.
You’ll get:
• 10% off most regularly priced Sprint individual service plans
• 15% off most regularly priced Sprint business service plans
• Waived activation fee on new activations
• Waived upgrade fee
• National rates with no roaming or long distance charges
We’ll show you the money. Click www.SprintSave4CU.com or call
877.SAVE.4.CU or visit your local Sprint retail location.

MUNA will join with Credit Union 24 in the beginning
of May to be included in our ATM network. This will
allow MUNA members to use any Credit Union 24 ATM
machine at no additional charge. These are conveniently
located for all MUNA members.
These locations are:
The Filling Station
1201 22nd Ave Heights
Meridian, MS 39301
Texaco Food Mart
1121 Hwy. 39 N
Meridian, MS 39301
Winn-Dixie
2014 Hwy 45 N
Meridian, MS 39301
Winn-Dixie
5100 Hwy 39 N
Meridian, MS 39301
Meridian Mutual
Federal Credit Union
809 26th Avenue
Meridian, MS 39301
Walgreens
1415 24th Avenue
Meridian, MS 39301
Walgreens
4910 Popular Springs Dr.
Meridian, MS 39305
Shell Food Mart
2228 Hwy 19 N
Meridian, MS 39307
Shell Food Mart
6416 Hwy 39 N
Meridian, MS 39305
Shell Food Mart
1600 Hwy 11 S
Meridian, MS 39301
Shell Food Mart
2406 Hwy 19 S
Meridian, MS 39301
Russell Shell
2239 Russell Mt. Gillead Rd.
Meridian, MS 39301
Meridian Mutual
Federal Credit Union
4821 N. Park Dr.
Meridian, MS 39305
B&D Grocery
5273 Hwy 14 S
Meridian, MS 39301
Spaceway Truck Plaza
10580 Hwy 80 W
Meridian, MS 39307
sTeps To TAke beFore
house huNTING
When choosing a new mortgage to buy a home, get
the best loan for your personal situation. Here are
the steps to take before shopping for a home.
• Get a free copy of your credit report. Be sure
to notify the credit bureaus of any errors in the
credit report you receive.
• Before shopping for your home, get preapproved
so you know the maximum mortgage
you can obtain. Read the conditions carefully.
Your pre-approval should only be contingent on
appraisal of the home you decide to buy.
• Decide if a fixed rate or adjustable rate mortgage
(ARM) is best. If you plan to stay in your home
less than seven years, an adjustable rate mortgage
can save considerable interest expense.
• If you plan to keep your home more than seven
years, a fixed rate mortgage is usually safest.
Should interest rates rise, a fixed rate mortgage
protects you because your payment cannot
increase.
• When shopping for an ARM, ask about the index
used, the margin , maximum annual payment
and interest increases, lifetime “cap” maximum,
interest rate, and if the ARM is assumable by a
future buyer of your home. The slowest-moving
ARM index is usually the “cost of fund index”
whereas the most volatile are the “treasury bill
indexes”. A margin, such as 2 percent, is added
to the monthly-changing index rate to arrive at
the ARM interest rate.
• When comparing mortgages offered, obtain the
APR (annual percentage rate) which includes
any loan fee.
For more information about our home loan program
please give our dedicated loan officers a call.
This is not an offer to extend consumer credit as
defined by Section 222.6 of Regulation Z. Provided
for informational purposes only. Rates and terms
subject to change.

Wesley House
MUNA Federal Credit Union
helped the Wesley House provide Christmas to all
the boys and girls. Toys were collected for children
between ages of newborns to teenagers who are without
parents. Thank you to all members who helped provide
Christmas for these children
MUNA Federal Credit Union is a proud sponsor of
East Mississippi State Hospital. MUNA FCU team
members provided a Christmas party for the BASAC
boys. Gift bags were provided for each one for the
boys. We also restocked the Gracious Giving Closet.
Personal care items such as bar soap, shampoo,
toothbrushes, toothpaste were among the items
donated. These items will help individuals who can’t
afford these basic necessities.
MUNA Federal Credit Union helped United
Way “Stuff the Bus”. We delivered school
supplies, new or used school uniforms, new or
used sports or dance equipment, or monetary
donations to the bus at the Dumont Plaza.
Thank you to all the members who helped Stuff the Bus.
A Message from the President/CEO ...
We are sad to announce
that Mrs. Dorothy Jordan is
officially retiring from her
position as the Collection
Officer at MUNA Federal
Credit Union. Dorothy has
been with MUNA since
1995. She started her career
at MUNA as a Member
Service Representative where
she managed accounts, share
drafts and returns. In 2007,
Dorothy was promoted as the
Collection Officer of MUNA
Federal Credit Union. She
had many accomplishments
throughout her career at
MUNA. Dorothy shared her
knowledge, talents, and skills
to MUNA Federal Credit
Union and to all employees.
We will be holding a
retirement party for her at
MUNA Federal Credit Union
(main office) on Friday,
April 27th from 2:00 – 4:00
p.m. Everyone is invited to
attend this party in honor of
our dear friend and colleague.
Refreshments will be served.
To our friend Dorothy, we
wish you all the best and hope
you enjoy a happy, healthy,
and well-deserved vacation!
It is hard to pick up the newspaper or listen to the daily news without a reminder of the
unfortunate economic situation our country faces. In tough times people turn to their credit union for guidance, the ability to make
sound financial decisions, and for assurance that the credit union is acting in the membership’s best interest. As a result of our computer
system being phased out of service last June, we are now able to provide you with the latest technology available to enhance
your banking needs.
As an important part of our recent computer system upgrade MUNA Federal Credit Union had three main goals when selecting its
new online banking system. First we needed to replace a system that was being phased out last June. Secondly we needed a product
that was user-friendly for both members and the credit union staff. Lastly we were looking to increase both the information and
transactions available for members. It’s Me 247 has answered all of these requirements. Combined with our new CU Talk telephone
banking and now text banking capability, MUNA has the latest technology to offer our membership. We hope that all MUNA members
will take advantage of these tools to better serve your financial needs.
We want to assure our members that MUNA is financially stronger than at any time in our 50-year history. MUNA has always
maintained the highest standards in our lending programs. Never has MUNA been better positioned to meet the financial needs of
our members, and we look forward to offering many years of safe, sound, and high quality financial services to our members for
many generations to come.
Sincerely,
Bo Pittman

Join Our
A secure and easy way to keep
up with your financial business!
Register for this service on
the “Go Mobile!” tab at www.
munafederal.com (you will need
to login to your online banking
first). Once you have registered
your cell phone, you can text
the following commands to
“46247”:
• BAL-suffix (for account
balances)
• STOP (to terminate text
banking service)
You can set up your E-Alert
subscriptions to be sent as text
messages directly to your mobile
phones. For more information,
please give us a call.
TIERED
2012 Christmas Club
SERVICES
The more products and services
you use, the more points you
receive. There are four different
levels: Bronze, Silver, Gold, and
Platinum. Your tiered service
level and points will be provided
for you on your statements. You
can redeem your points with
our online reward catalog. Start
earning points today! For more
information, please give us a call
at (601) 693-8563.
Did holiday shopping leave you with an empty pocket? We can help. Our Christmas
Club account can help relieve your financial stress. Start saving today to avoid
borrowing money, working overtime, or charging everything last minute. You
can have money directly deposited to you Christmas Club from your paycheck. It
is like you never even knew you had it! Don’t miss out on saving this year. Open
a Christmas Club account with us today!

Are You Saving for Retirement?
Individual Retirement Accounts (IRA)
have been around for quite some time
now, however, many of us still put off
saving for retirement and few actually
save enough to meet expected future
living expenses. If you haven’t started
saving, consider speaking to a Member
Service Representative about opening
an IRA. If you currently have an
IRA, remember you have until
April 17 to make your
2011 contribution. For
more information
on different IRA
options, stop in
and speak with
a Member
Service
Representative.
DORMANT FEES
Has it been over a year since you have performed a transaction
with your MUNA account?
If you have answered “yes” to the question above, then you
may be affected by the dormant account fee!
How to avoid the dormant account fee:
It’s simple! Perform a member generated transaction. A
member generated transaction includes: cash or check deposits
and withdrawals, ATM transactions, Home Banking and PAR
Audio Response Transactions, Share Draft or ACH (Automated
Clearing House) Transactions. However, member generated
transactions do no include: dividend postings or fee postings.
WhathappensifIdon’tperformamembergeneratedtransaction
annually?
Your account will be placed in a Dormant Account Status, a
hold will be placed on your account and you must complete
a cash or check transaction via in branch or mail in order to
remove the Dormant Account Status. Your account will be
charged a $10.00 quarterly fee for every quarter that your
account remains in a Dormant Account Status.
Savings Add Up
Effortlessly!
With our free Round Up savings program,
each time you make a debit card
purchase, MUNA rounds your
transaction amount to the nearest
dollar and automatically transfers
the excess from your MUNA checking
account to your designated MUNA
savings account. The spare change from
your everyday errands adds up quickly.
IMPORTANT NOTICES
Please be sure to notify us of any
changes in your address, phone
number, or e-mail address. You may
also update your information online at
www.munafederal.com.
If you would like to order checks, please
give us a call at (601) 693-8563.
Before signing up for direct deposit,
please be sure you know your account
number and the suffix.
All deposits must be made by 1:00
p.m. to cover all checks and ACH
transactions.
Please send all mail correspondences to:
Muna Federal Credit Union
PO Box 3338
Meridian, MS 39303.

CONTACT US
Corporate Office (601) 693-8563
Branch (601) 485-3535
CU*Talk (855) 250-2603
Board of Directors
Doug Kennedy, Chairman
Bo Pittman, Treasurer
Steve Timbrell, Director
Kris Gianakos, Director
Toni Jackson, Director
Rita Daily, Director
Teresa Hodges, Director
Supervisory Committee
Roger Key
John Douglass
Proud Members of:
East Mississippi Business Development
Corporation
Navy League
East Mississippi State Hospital
Rotary of Meridian
Management Team
Bo Pittman, President
Terri Odom, Vice-President
Karen Boyette, Chief Financial Officer
Sheila Neal, Branch Manager
Deniese Street, Lending Manager
Barbie Espey, Vice-President Operations
Frances Hoven, Collections
Joseph Lamberth, IT Director
Wende Estes, Marketing Director
Sandra McSwain, Head Teller
Wendy Brooks, Member Service Rep.
Sonya Cole, Member Service Rep.
Greg Kennedy, Member Service Rep.
Josie Holyfield, Member Service Rep.
LaTosha Dixon, Member Service Rep.
Glenn Parker, Member Service Rep.
Bailey Stephenson, Member Service Rep.
MuNA Mission statement
MUNA is a dedicated and
caring team supporting our
member’s financial needs with
honest, motivated and reputable
service before self.
4400 Highway 39 N
Meridian, MS 39301
IMPORTANT NOTICE
Dear Member:
This is to inform you of the changes made to the MEMBER’S CHOICE Credit Disability and
Credit Life Coverage currently being provided to you through MUNA Federal Credit Union.
The following provision changes will be effective June 1, 2012.
• We have received approval to increase the maximums for each loan insured under your
MEMBER’S CHOICE Program. The new maximums are as follows:
DISABILITY CREDIT LIFE
INSURANCE INSURANCE
MAXIMUM AMOUNT
OF LOAN INSURABLE $50,000 $50,000
MAXIMUM MONTHLY
DISABILITY BENEFIT $850 N/A
Members presently insured under this program, where the premium is paid monthly, may be
automatically eligible for benefits up to the new maximums. This change does not apply to
insured loans which have claims that became effective prior to June 1, 2012. If you have loans
outstanding that exceed the current maximum levels, the premium rates will apply to your actual
loan balance up to the new maximum. If you fall into this category, your coverage and premium
will increase accordingly.
There is no action necessary on your part to continue coverage if you already have it. In the
event you do not want coverage to continue, please notify the credit union.
MuNA’s Debit Card Gets A New Look!
When it’s time for your debit card to
be reissued don’t be surprised when
you receive a new look. MUNA’s debit
card has gotten a face lift! As debit
cards are being reissued and new card
orders being placed, member will
receive the new black and gray design.