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The Lisbon Community Federal Credit Union is a Member-owned cooperative whose mission is to be the primary financial

institution for all Members through continuous improvement, personalized service and competitive products while

remaining financially secure.

MISSION STATEMENT

EQUITY toPut Your

Practical Use

Dealing withFinancial Setbacks

ConvenientFREE

Services!

.your financial future.Framing

BLUEPRINT

Businessof the Month

It was warm and pleasant for an overcast late September day as many Members came to our annual Member Appreciation Day event recently held at both offices. Those who arrived on Friday, September 22nd, were greeted with hot dogs, chips, soda, cookies and kettle corn. In both lobbies, a prize wheel was set up for Members to win coffee mugs, lunch bags, hot/cold packs, and grocery tote bags among many other useful items. Member Appreciation Day is a yearly event where we celebrate YOU, our valued Members. It is a day to thank you for your Membership, and for us to get to know you better! As always, Member Appreciation Day is followed by the ever popular Monty Moose store, (always the Saturday following Member Appreciation Day), where kids can buy great items with their Monty Moose Bucks they receive for making deposits to their accounts.

If you have a child up to 12 years of age, they can become a Member with their own Monty Moose account, learn to save money, and enjoy the benefits

of Membership! Now is the perfect time to start an account and start saving those Monty Moose Bucks for great gifts! (Monty Moose items are available year ‘round at both locations!)

If you missed the events this year, please make sure to join us next year!

Member Appreciation Day & Monty Moose Store 2017!

FALL NEWSLETTER 2017

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In July, our Business of the Month was Riverview Farm. As a full service facility, they offer board, training, and riding lessons. Students of all ages and levels are welcomed. Whether it is on your horse, or one of their show quality lesson horses, Riverview Farm offers a positive and knowledgeable atmosphere. They assist students in reaching their goals by finding out what is best suited to each horse and rider and then using that to help each individual shine! Multiple instructors, teaching 6 days a week April-November, assure

flexible scheduling. Riverview Farm also offers summer camps and is proud to be the home of the Pink Spurs 4-H group. Contact local owner Lisa Bosse for more information! Our August Business of the Month was Entertainment Plus DJ Service. No one likes attending a boring party! With Entertainment Plus DJ

Service, it is their mission to turn every special event, party or function into a great experience for you and your guests. They will help you throw a great party that both you and your guests will enjoy! Owner Dave Biron provides all his clients with an advance request sheet so the music you want is at your event. He offers military and public safety discounts and even provides trivia, dance contests and prizes to make your event one to remember for years to come!

Our September Business of the Month was Rockin’ T Equine Rescue & Sanctuary. Rockin’ T is Maine’s second largest horse sanctuary, situated on a vast 38 acre plot. The sanctuary houses elderly, sick, or otherwise rejected horses and an assortment of other animals as well. A five member core team, along with local blacksmiths and veterinarians

routinely nurse, groom, and comfort upwards of 35 animals at any given time. “To witness the arrival of a former race horse with a wounded leg matching his broken spirit and to understand that the weeks to follow at the sanctuary will transform him into a relaxed, contented animal is to realize and appreciate the mission of Rockin’ T Equine Rescue.” - Rockin’ T Equine RescueOwner Janet Tuttle has a special place in her heart for these animals and we are lucky

to have Rockin’ T Equine Rescue in our community.

Business of the Month Summer Showcase

The Lisbon Credit Union is pleased to announce the latest ROCKSTAR Award Winner for the 4th quarter of 2017 – Jessica Morrill. Jessica was rewarded with a trophy, $50, and a paid day off. Jess started with the Credit Union 20 years ago and is a Loan Officer at the Lisbon office. Comments in nominations of Jess include her being very approachable with questions, always helping out when she can and always being polite to our Members! She lives in Lewiston with her husband, Daryl, and their 2 cats. In her spare time, Jess likes to read and do crafts and loves listening to 80’s music. She supports her favorite sports team, The New York Giants, even if it isn’t always popular with the local Patriots supporters!

The Credit Union’s Employee Recognition Program was created at the end of 2014. The program allows staff to nominate each other on outstanding Member service and various other factors.

SAVE THE DATE!for our FREE seminar

Our New ROCKSTAR

Powers of Attorneys & Wills: What are they and how can they help me? Tues., Nov. 14th, 6-7 PM w/ Lawyer Richard Golden,Esq.

Reserve your spot today! email: v.lajoie@lisboncu.org

Building Futures. Preserving Dreams.3

Anniversaries!

Supervisory Board Members

Veronica Williams17 YearsJanice Gawrys

8 Years Jennifer Parent 8 Years

Ellen Bradstreet 11 Years Averie Levesque

2 Years

3rd Quarter

Our Annual November Bake Sale is on the way...and is ALWAYS held on the Friday before Thanksgiving.

New & RetiredNew & RetiredFriday, November 17th ,

from 9AM-6PM in the Lisbon Office

The Lisbon Credit Union would like to recognize our outgoing Supervisory Committee Members and welcome our new incoming Members.

Our Outgoing Supervisory Committee Members are Timothy Mynahan and Charles “Marty” Roop Jr. We thank them sincerely for their contribution to our community! Tim Mynahan served the Members for 26 years, beginning in August of 1991. He was the longest tenured member of the Supervisory Committee. Tim was a teacher in the Lisbon School Department for 35 years, retiring in 1999. He was also the Director of the Lisbon Recreation Department for 24 years, and an Assistant Varsity Coach at Lisbon High School for 20 years. He currently resides in Lewiston, with his wife Bernadette, and is the father of three grown children.

Charles (Marty) Roop has been a member of the Supervisory Committee since July of 2002, serving for 15 years. Between 1958 and 1964, Marty worked at Farnsworth Mill in Lisbon Center. After that he worked at Ellis Paperboard until 1993. He is a retired store manager of Roopers Inc.

Marty is the father of four grown children, and has lived in Lisbon Falls with his wife Mary Jane since 1961.

We welcome our incoming Supervisory Committee Members, Ross Cunningham and Tammy Bard. Ross Cunningham is an MBA educated executive with experience in management, marketing & event coordination and project management. His past work experience includes President & CEO of Kennebec Valley Chamber of Commerce, medical practice manager of several health care providers, and as Lieutenant Commander in the United States Navy. He is currently the principal at Watson Hill Consulting. He has lived in Lisbon for 17 years.

Tammy Bard has been a Member of the Credit Union since 1986. Her past work experience includes 20 years as a Customer Service Agent at Robert Small Agency, Inc. in Durham, ME.

She is currently the Office Manager at Bard Excavations, Inc. in Lisbon Falls.Tammy has volunteered as Treasurer for the Lisbon High School Wrestling Boosters and currently works part-time as an Office Assistant for Alma-Lea’s Dance Studio.She lives in Lisbon Falls with her husband Stephen and has two grown children, Tyler & Alesha.

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Cash Advances with EMV chip cards

Family Photo Sessions NEW SESSION DATE ADDED! Saturday, November 4th 9 AM - Noon!

FREE 10” x 13” courtesy of LCFCU To register, go to:

http://myportraitsonline.net/LisbonCFCU/

Put Your Equityto Practical Use

“If we had the money, we would _____________.”Fix the roof. Add a room. Consolidate bills. Pay the kids’ college tuition. However you fill in the blank, get it done affordably with our Home Equity Line of Credit (HELOC).

• Low variable rate (Prime plus 0%)• Low closing costs• Funds can be accessed by check, through Home Banking or at the teller line• Save on taxes: The interest you pay may be tax deductible, while credit card and auto loan interest payments are not. Talk to your tax advisor about how much of your Home Equity Line of Credit (HELOC) interest may be tax deductible.

A HELOC can give you an added level of financial security for the future. Having an open line of credit on your house can be a valuable tool. It serves as a cash insurance policy, giving you financial flexibility when and should you need it. A HELOC gives you the ability to draw upon the value of your home, but you’re never obligated to do so. You can have peace of mind knowing that you have access, if needed, without incurring debt.

Did you know that some Card Issuers will require the use of a PIN when using your credit card for cash advances? Do you know your PIN?Having the PIN requirement protects you. If you should lose your card, a cash advance transaction will not be able to be processed without the assigned PIN.If you have a Lisbon Credit Union VISA credit card and don’t have or know your PIN, contact us and we will gladly mail one to you.

Dealing with Financial Setbacks Two steps forward and three steps back. This is how it may feel when you are faced with a financial setback. It is extremely difficult to stay ahead in today’s world, especially if the unexpected happens. With ever increasing food, fuel, and everyday living expenses, how do you save for the unexpected so that you may stay financially healthy at all times? How do you handle unexpected financial setbacks when they do occur? Fear, depression, and avoidance are common ways to handle financial difficulties. It doesn’t have to be that way. Taking control, making a plan, and asking for help are the best ways in which to deal with financial setbacks. Below are some ways to make your financial world easier to manage and produce positive results. • Track Your Spending – If your budget continuously comes up short or you lack enough to save for setbacks should they occur, take a week or two and log all your purchases and spending. This will highlight areas that are draining your wallet. You just might be surprised how much you’re spending in a week on non-essential items. • Make a Priority List - Sit down and make a list of all your “Must Haves.” Make sure to include the due dates or weekly expense for each. This list should include housing, utilities, and any expense needed to secure a roof over your head. Account for a vehicle, gas, and related travel expenses so that you can make it to work to earn that next paycheck. Also, debts with monthly payments, such as credit cards or loans should be listed. Keeping these on track will ensure no added fees, increased interest rates, or aggressive collection action. Food and personal items will also need to be calculated. Be honest with yourself… it’s your list! • Construct a Plan - Your Priority List will allow you to start making a financial plan. You will know what needs to be paid and when. Start budgeting individual debts weekly or biweekly depending on your pay schedule and begin saving for times of financial difficulty and setback. It helps to make a plan on paper. If you see it, it will happen! • Talk About It - If, after making a plan or when a setback occurs you are coming up short, be open and honest about it. Every credit union, bank, and utility company has a Debt Resolution or Collections Department. People are in place to help you! Most have programs or ways in which to make it easier for you to make payment. Establishing an open line of communication is a great way to work through budgeting shortages, past due balances and avoiding aggressive collection action. We all know how hard it is in today’s world and it is okay to ask for help. • Debt Management Companies - There are companies that extend their services to help you create budgeting plans. Be sure to research which company you choose to work with. One trusted company is Money Management International. This company has offices in Portland and may be reached at 1-800-706-1975. Your Credit Union encourages a proactive approach to financial hardship and setbacks. We are always ready and willing to help you. Contact us to answer questions and discuss your individual financial needs.

by Tracy Collins, Financial Resolutions Officer, Lisbon Community Federal Credit Union

5 Lending money...responsibly!

Have You taken Advantage of These FREE Convenient Services We Offer?• CARD VALET: A FREE service to manage your Debit card. Control card usage, turn the card off and on, restrict certain transactions and get ALERTS! https://www.lisboncu.org/Convenience-Services/VISA-Debit-Cards.aspx

• PURCHASE ALERT: With FREE Visa® Purchase Alerts, you can receive near real-time alert notifications on select signature-based purchases made with your Credit Union credit card. https://www.lisboncu.org/Loans/VISA-Credit-Cards.aspx https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html

• PROPAY: A service allowing you to pay your Lisbon CU loan from another account outside of the Credit Union. Payments set up using an account number and routing number are FREE. Please note: There is a small fee for credit card or debit card transactions! https://www.lisboncu.org/Online-Services/Home-Banking.aspx

• MOBILE BANKING: Download our app and you can bank anywhere at any time. You can also pay bills with the Online Bill Payer integration. Deposit checks, make loan payments, check your balance and more! https://www.lisboncu.org/Online-Services/Mobile-Banking.aspx

• REMOTE DEPOSIT CAPTURE: The new app allows you to deposit a check anytime and from anywhere simply by taking a picture of the check! Remote Deposit Capture (RDC) allows you to deposit checks payable to YOU into your account with us! https://www.lisboncu.org/Online-Services/Mobile-Banking.aspx

• BILL PAYER: Pay all your bills online with our secure Bill Payer service! https://www.lisboncu.org/Online-Services/Bill-Payer.aspx

for our FREE seminar Save the Date!Bowdoin TreeFest

December 1st & 2ndFHC Building on

Main Street in Bowdoin

Same Day ACH Payments What This Change Means for You

When making a payment, have you come to expect some lag-time between the transaction and the funds clearing your account? This has now gone away. For example, if you pay your cable bill by telephone in the morning, the funds could be cleared from your account before 5:00 PM the same day. On September 15, 2017, the Federal Reserve started processing same-day ACH (Automated Clearing House) payments. This is an option that allows funds to move more quickly than in the past, further modernizing current payment systems. Retailers can opt to convert the checks you write to ACH by using the same system that is used for bill payments. Payments you schedule via websites, telephone or mobile apps where you provide your account number could also be affected by this change.Tips to be PreparedDon’t Assume Funds Will Clear the Day After: Purchase habits can be hard to break. Get in the habit now of planning for funds to clear at the time of your transaction.Know the Balance in Your Checking Account: Keeping a low balance can have a negative impact in the event a same-day ACH payment tries to clear your account and you don’t have the funds available. Even with overdraft protection, keeping your account balance at a level that supports your spending is the best way to keep your account in the green. If you don’t have an Overdraft Protection Line of Credit, apply for one today!

Mon-Thurs.................... 9am-5pm Friday............................ 9am-6pm Saturday........................ 9am-Noon

Drive Up Opens at 7:30 am Monday - Saturday

WEBSITE: www.lisboncu.orgEMAIL: memberservices@lisboncu.org

Toll Free: (877) 353-4144ART: (207) 353-5195

Toll Free ART: (888) 353-5195

BUSINESS HOURS

NEWSLETTER COMMITTEE

325 Lisbon St. PO Box 878 Lisbon, ME 04250 • •802 Sabattus St. Lewiston, ME 04240 •

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(207) 353-4144

Heather Brochu Jessica MorrillDenise Dube Jennifer Parent Jason Hilt George Roy Vickie Lajoie Lorraine Turcotte

UPCOMINGHOLIDAY

HOURS

VETERANS’ DAYSaturday, November 11th - CLOSED

THANKSGIVINGThursday, November 23rd - CLOSED

CHRISTMAS & NEW YEARS Monday, December 25th - CLOSED

Monday January 1st - CLOSED

What do you Think When You Hear the Word Community?

We are pleased to say that this year marks our first year performing “Random Acts of Kindness” for our Lisbon and Lewiston Communities. In February, we gave out 300 heart shaped boxes of chocolates. On June 22nd we were at Cumberland Farms on Sabattus St (near our Branch location) and provided 140 FREE coffees !! Then on June 23rd, we were at Dunkin Donuts on Lisbon St and provided 120 free coffees--NO purchase required.

Stay tuned…our next Random Act of Kindness coming soon!!

The Lisbon Credit Union believes in supporting OUR local community; after all, without them, where would we be? Yearly, the Lisbon Credit Union is proud to sponsor or support many local events. Some of the events or causes we support include: • Farwell School PTA – Pumpkin Festival• Safe Voices• Cub Scout Pack 109, Benefit Youth of Community• Annual Chili Chowder Challenge, students at Governor James Longley Elementary School and Green Ladle Scholarship Fund.• MTM Playground Project• Durham Community School, Bryant Pond 4-H Camp Trip• Lisbon Parks & Recreation, Beaver Park Fishing Derby & Winterfest• Lisbon Community School PTO Auction –donation• Lisbon School Department—Project Graduation• Town of Lisbon Library Department—Library’s Summer Reading Program • Positive Change Lisbon – Concerts in the Park Sponsorship• 4 - $1,000 scholarships to area high school seniors• Pejepscot Sno-Chiefs, sleigh ride• Moxie Festival – Moxie Chugger sponsorship• Various youth sports teams• Positive Change Lisbon – Father Daughter Dance sponsorship • United Way