HOW IT WORKS
-Visit a lender at your nearest Mutual Savings branch or by calling (800) 950-6728 and ask about MSCU’s Christmas in July offer.
-All borrowers on your loan must sign the Skip-A-Pay form. Click here to access the form to print from your home or office.
-Enjoy your extra money in July!

It’s that easy! For a fee of $35, you can skip the July payment from your MSCU vehicle or personal loan. It’s such a great offer that it feels like Christmas in July! Your chance to skip your July payment ends on July 31st – hurry to Mutual Savings Credit Union today!

*Qualified members may only skip payment in July 2013. Member signature required; 2 signatures required if loan is jointly owned. Signature authorizes MSCU to extend your final loan payment by one month. Interest will continue to accumulate on your loan during the month you skip your payment. The final loan payment may be higher than the amount disclosed due to the postponement of any scheduled or skipped payments and the term may be extended. Payments made through payroll deduction will be deposited into your savings account for the month you are skipping your payment. This offer does not include Mortgage or Business loans. Participation could result in a reduction of GAP insurance benefits in some circumstances, or other insurance benefits which may be calculated according to the original loan terms and insurance certificates may not fully cover the balance of the loan. This offer expires July 31, 2013. Regularly scheduled payments will resume in the month following the skipped payment. **A fee of 35.00 will be charged to skip a payment. This fee will be assessed for each eligible loan type in which the payment is skipped. See credit union representative for more details.

No one likes a surprise from their car mechanic. Did you know that there are a few simple checks that you can perform each week that can help guard against these surprises? By watching the latest episode of the brass|SHOW, you’ll learn how to perform these checks yourself – which will hopefully save you some $$$ in the process!

Learn the basics of car maintenance by watching this edition of the brass|SHOW. MSCU’s partnership with brass|Media gives our members access to articles and videos about different areas of the financial world. This info is free and easy to understand. Be sure to pick up the latest edition of brass magazine in your MSCU branch or visit Mutual Savings Credit Union’s BRASS website.

The Mutual Savings Credit Union Facebook page is quickly approaching 500 ‘Likes’ and our latest social media contest allows MSCU members to participate in our race to this milestone. To enter the Mutual Savings 500, follow these easy steps:

- Log into your personal Facebook page and visit the MSCU page.
- Click on the contest tab, indicated by the checkered flag icon.
- Like the MSCU page (if you haven’t already done so), enter your email address, and share the MSCU page with all of your Facebook friends.

That’s all it takes to enter the Mutual Savings 500! Each time you share the MSCU Facebook page with your Facebook friends, you are automatically entered into a drawing for a Mutual Savings Prize Pack, which includes a $50 gift card. Share our page as often as you like to increase your chances of winning!

The winner of the Mutual Savings 500 will be contacted by email on June 3rd, 2013. Good luck and thank you for participating in this great race – the Mutual Savings 500!

It’s easy – when you refinance with MSCU, you can lower your monthly payment, refinance for a longer term to fit your budget or just use the savings to pay your loan off earlier. Cars, trucks, boats, RVs – you can save money at Mutual Savings Credit Union.

Our new vehicle rate includes 2011, 2012 and 2013 models with less than 45,000 miles. Call (800) 950-6728 for boat and RV terms – you can be sure that we’ll work to find you the best payment to fit your budget. Our lowest rate is 2.99% APR. It doesn’t matter if your vehicle is new or used, call today to arrange to bring your vehicle loan to MSCU and benefit from our flexible terms and financing.

When you convert your loan to MSCU, we will reduce loan rate by as much as 1% APR depending on your credit qualifications. The Rate on your MSCU loan cannot be lower than 2.99% APR. APR = annual percentage rate. MSCU may ask to verify your original loan rate from other financial institutions. Limited time only. Normal credit qualifications apply. Your rate may vary depending on previous credit history. For secured loans only. Eligible loans include vehicles, boats and RV. Vehicles with less than 45,000 miles and models 2011, 2012, 2013 qualify for the new car rate. Mortgage loans excluded. Rate reduction is specific to this promotion only. This offer may not be combined with other specials offered by the credit union. Boats and RV may differ slightly from terms outlined herein. Call for more information.

CHECKMATE
Just as marriage vows are unique to each couple, so are the approaches to handling finances. The first step is to sit down and formulate a plan. One of the best strategies for avoiding mistakes from emotional confrontations and disagreements is to approach the situation as if you are running a business. This allows both parties to put aside personal feelings and make the best economic decision.

For some, creating joint savings and checking accounts is the right decision. For others, separate finances will fit the bill. Need to compromise? Maintain both joint accounts and separate ones. This will give each partner some autonomy, while still allowing you to manage money as a couple. Regardless of which approach is chosen, making a budget is absolutely essential for avoiding unwanted debt and unneeded marital stress.

TAXES FOR TWO
Marital finances can be taxing, but filing taxes doesn’t have to be. If you say “I do” before December 31, then you are married for the whole tax year as far as the IRS is concerned. You still have the option of filing separately or jointly. Many couples file jointly, especially if both spouses work but one brings in more dough, in which case the combined income can result in being placed in a lower income bracket than if the wealthier partner filed separately. Filing jointly can also streamline taxes: logically, one return is easier than two.
Consider filing separately if one spouse has a truckload of itemized deductions, like medical bills, which add up to more than the standard deduction for filing jointly. To find your standard deduction and reference other rules, refer to Publication 501 at irs.gov.

COMMINGLED CREDIT
Although talking about debt can be as fun as a post-bachelor-party jail bailout, it’s just as necessary. Credit reports don’t merge with marriage. Each partner keeps his or her personal history. However, individual history can come into play on joint accounts and loans (e.g. a mortgage). One partner’s poor credit score can affect the credit rating of the couple in a joint venture, and joint account history is recorded on both reports. Before hopping on the financing highway together, couples need to account for and improve existing debt–especially if a house or another large purchase lies ahead.

Once married, debt liability depends on where the couple lives. Some states follow “community property” laws and regard most debt accumulated during marriage the responsibility of the couple. Alternately, states that adhere to “common law” rules usually place sole responsibility on the debt-accruing spouse. There is one common law exception: if debt amassed by one spouse arose from family necessities such as shelter, food, or a child’s tuition, then the debt belongs to both spouses.

COMBINED COVERAGE
Newlyweds may want to merge car and health insurance post-ceremony. Merging car insurance can mean reduced rates and multi-car discounts. For health insurance, a family plan can provide coverage for an uninsured spouse, and is a good choice if you plan on having children soon. If you both are already covered by individual policies, it may be more cost efficient to keep your own plans. Compare coverage and costs to see which option works best.

Also factor in double coverage. Double coverage occurs when both spouses are separately insured but add the other spouse as a dependent on each other’s plans. With double coverage, the insurer of the person making the claim is the primary insurer (paying the majority of the claim) and the spouse’s insurer is the secondary insurer (picking up the rest of the bill, up to the policy’s limits). This results in lower or no costs to the couple. However, it will likely mean more money spent on premiums, so weigh the numbers with your health care needs before going this route.

If wedding bells are in your near future, contact a Mutual Savings Credit Union representative for help with your financial questions.

KNOW WHAT YOU CAN AFFORD
Before you start shopping, it’s best to know what you can afford. Having a price range in mind gives you added room for negotiating too. Contact a Mutual Savings representative by calling (800) 950-6728 or visiting a MSCU location to talk to a lender in order to determine your pre-approved loan amount.

SAVE TIME BY SHOPPING ONLINE
Almost all auto dealers list photos and details of their inventory on their websites now. You can browse their car lot at your leisure and narrow your decision without any distractions. You can also benefit from this sense of convenience when it comes time to apply for your loan. MSCU’s online loan applications allow you to submit your information from any location and at any time.

PROTECT YOUR NEW VEHICLE – AND YOURSELF
Getting approved for your auto loan and finalizing your purchase can be very exciting but it’s important not to overlook the needs that come with your new vehicle. Mutual Savings Credit Union has solutions that you can take advantage off in the even that you become disabled and can’t make your auto loan payments. Ask about MSCU’s credit insurance products as well as insurance for yourself and your car from TruStage.

Now’s the time to get that new vehicle! Be sure to check out how you can enjoy 60 days of no payments on your next MSCU auto loan. Mutual Savings Credit Union wishes you the best of luck – we’re here to help with your financial needs!

Tip #1: Make a down payment on a new home or vehicle.
Using your extra money towards a new home or car can have a positive impact on your loan’s rate and term. Plus, MSCU has an unbeatable offer for mortgages and vehicles of all types going on right now!

Tip #2: Earn points when spending your unexpected income.
Appliances, clothes, furniture – spending your unexpected income on items you really need now is a perfectly acceptable option. Why not earn rewards points from these purchases? With MSCU’s Basic Checking and Rising Rewards Checking accounts, you can earn rewards points that can be redeemed for electronics, gift cards, travel packages and other great items – just for using your debit card!

Tip #3: Make someone’s day with a gift.
What to make someone’s day with your extra money? Sharing your wealth is easy than ever with a VISA® prepaid debit card from MSCU. These cards can be loaded for your desired amount and are protected with a secure PIN. No checking account is required for these debit cards that can be used online and in stores.

Tip #4: Grow your money and protect your family with TruStage.
TruStage insurance and investment products are made available to Mutual Savings Credit Union members through the companies of CUNA Mutual Group, who has been working with credit union members like you since 1935. Using your extra money to get the peace of mind that their insurance products can give is a great option for you and your family.

Tip #5: Save your money for when you really need it.
If you’re not sure what to do with your unexpected income or simply want to put off using it until later, MSCU’s savings options are a safe place to keep your money while earning a competitive rate of interest.

These are just 5 ways you could use your extra money. If you have questions or want to learn about other options, feel free to contact a Mutual Savings representative by calling (800) 950-6728 today.

Putting Mutual Savings Credit Union to work for your employees will give them access to the perks of a MSCU membership, including:

- Direct deposit to streamline payday
- Payroll deduction to automate savings transfers or loan payments
- Free financial educational courses to help employees become better managers of their money
- Plus more!

Through Mutual Works, we’re committed to your employees that have needs for small loans that other financial institutions don’t offer. In fact, our flexible repayment terms, checking accounts, savings plans and free online services can address any financial needs of your employees.

Becoming a preferred partner adds to your company’s bottom line for free. To learn more about Mutual Works and how to offer your employees the benefits of a Mutual Savings Credit Union membership, call (205) 682-1156 today.

Before Internet or text banking, everyone monitored their savings and checking accounts simply by using a register. They would write down every transaction – whether it was a deposit, cash withdrawal or check.

Now we have various methods of tracking our account activity including cell phone applications, text notifications and computer programs. On top of that, many financial institutions like Mutual Savings Credit Union offer a wide range of services including home banking, mobile banking and telephone banking. However, none of this means that you no longer have to keep track of all your transactions. It has made it easier, though.

So here are a few quick steps to balancing an account in the modern era:

- Record the daily opening balance. Use a check register, a notebook, or whatever else is easily carried with your Mutual Savings debit card.
- Record and date every deposit and withdrawal down to the last cent.
- After every transaction listed, record your new account balance.

By recording all account activity, you’ll know how much money is in your account and be able to spot when transactions are pending (i.e., haven’t been attributed to your account balance). That will help avoid spending what you don’t have, missing an important bill, or getting kicked with overdraft fees. A detailed register also gives the opportunity to fix any mistakes by merchants or online vendors.

brass|MEDIA Inc. licensed content is provided with the understanding that the publisher, copyright holder and organizations distributing the magazine are not rendering investment, financial or other professional advice. Investment and other financial decisions depend on each reader's individual facts and circumstances. You should not make decisions based on information contained in licensed brass content without the advice of a qualified professional.

Think of what you can do with the extra cash from not having payments for 60 days! Plus, you benefit from Mutual Savings Credit Union’s low rates. Here’s how to get started:

Take advantage of MSCU’s three ways to start your loan application:
- Online: Our online loan applications can completed at any time from any location.
- Phone: Call (800) 950-6728 to speak with Mutual Savings representative about your loan application.
- In Person: Visit a lender at one of MSCU’s seven locations.

Cars, trucks, SUVs, boats, ATVs, recreational vehicles – they’re all eligible for this offer. Start enjoying 60 days of no payments when you apply for a new loan with Mutual Savings Credit Union today!

*Your loan payment will be delayed 60 days from the date the loan documentation is completed. Payments made after the delayed payment will continue to be applied first to the interest with the remainder to principal and the interest will continue to accrue on the loan at the rate per annum specified in the loan documents. Final payment on the loan will be due after the date it would have otherwise become due without any delayed payments, and the term of the loan will be extended, or the amount of the last payment may be higher than the usual amount due to payments being delayed for two months. This action will not change the amount or extend the period on any insurance coverage that may be on the loan. Any credit insurance benefits will be calculated according to the original loan terms and insurance certificates and may not fully cover the balance of the loan. Limited time only. Normal credit qualifications apply. For secured loans only. Mortgage loans excluded.

While we know that speaking to a Mutual Savings representative is a valued avenue of communication, calls to the MSCU Call Center often pertain to matters that can be easily addressed with these tools. Beginning on March 1st, Mutual Savings Credit Union members that contact the Call Center or call a branch for transactions that can be performed in our mobile banking, telephone banking and home banking systems will be charged a fee. Members who visit the branch to perform these transactions at the teller line will not be charged a fee.

What is the fee for having basic transactions performed by staff on the phone?
$3 per call

What basic transactions will I be charged for by contact the MSCU Call Center as opposed to using a service like telephone banking?
- Transfers from one account to another
- Account Inquiries
- Confirmation of deposit
- Confirming checks cleared

What transactions are NOT charged fees?
- Loan payments
- Loan application
- Renewing Certificates of deposit
- Change of address
- Stop Payments
- Fraud issues
- Setting up the initial log-in for home banking (and therefore mobile banking)

Where can I perform these transactions for free/at no cost?
- Telephone banking
- Home banking
- Mobile banking
- Or, in a normal transaction with a teller/MSR at your nearest MSCU branch

Home banking, telephone banking and mobile banking are all free services that inform members about their account very quickly, among other benefits. These benefits include:

Benefits of telephone banking:
- 24/7 – no waiting in lines or call queues to talk to a call center representative
- Can activate your debit card for speedy use when purchasing goods
- Report lost or stolen debit cards
- Can perform most of the transactions such as balance inquiries, transfers and even make loan payments. You can find out what checks cleared and have checks sent from your account.
- Apply for loans
- Make loan payments

Benefits of home banking:
- 24/7 – no waiting in lines or call queues to talk to a call center representative
- Transfer money between accounts
- Access bill pay to pay bills for on-time delivery, even set up bill reminders
- View account activity to see what withdrawals and deposits have been made
- View e-statements up to 1 year old
- Determine a specific view of accounts you want to see when using mobile or home banking
- Order checks

Benefits of mobile banking:
- SMS Text Alerts for things like balance updates
- 24/7 – no waiting in lines or call queues to talk to a call center representative
- Transfer money between accounts
- View account activity to see what withdrawals and deposits have been made
- Determine a specific view of accounts you want to see when using mobile or home banking

AVAILABILITY
Post offices are closing, reducing staff and Saturday delivery will soon be out of the question. Thanks to MSCU, you can avoid these risks and pay your bills online at any time of the day and from any location. Heading out of town? You can even schedule your payments in advance or set up automatic payments.

DEPENDABILITY
It’s unlikely that your payments made with MSCU’s online bill pay service will get lost or arrive late. But if that happens, you’ll have a team of representatives to work with you to determine what went wrong. Rely on the safety and security of online bill pay.

ACCOUNTIBILTIY
Mutual Savings Credit Union’s online bill pay service works in real-time with your home banking account to give you the ability to know when your online bill payments are deducted from your account. By viewing your payment history, you can account for payments that have been made and payments that are pending. Sending your payments through the U.S. Postal Service will only delay your access to this knowledge.

Availability, dependability and accountability: three characteristics that you want applied to the delivery of your bill payments. The United States Postal Service is challenged more than ever to fulfill these needs. Avoid late delivery of your bill payments by contacting a Mutual Savings Credit Union representative about our free online bill pay service.

One great financing option available at Mutual Savings Credit Union is an adjustable rate mortgage, commonly referred to as an ARM. In addition to our current rates that start as low as 2.70% APR*, here are five benefits of an adjustable rate mortgage loan.

90% loan to value which saves you from paying Private Mortgage Insurance (PMI) – consumers who don’t have to pay this monthly premium save money and potentially have more flexibility in their cash flow.

No pre-payment penalties – managing your finances and your mortgage makes it easy to pay off at your convenience, or even refinance again.

Below market closing costs – depending on where you finance some members have saved up to half of their closing costs which provides an immediate impact to your budget.

Full appraisal may not be required – we treat each loan individually and try to make sure we only require the documentation needed to complete your loan.

Quick turnaround time – As each loan is unique, we understand that getting your mortgage completed quickly is very important and we work to get it turned around as quickly as possible.

How the adjustable rate mortgage works:
Interest rates are fixed for a period of 1, 3 or 5 years. After the fixed rate period, your interest rate can adjust up or down depending on market conditions. Your payment is based on a 30-year amortization.

Rate adjustments cannot exceed a 2% increase per year and cannot exceed a 6% over the life of the loan. This means if your initial interest rate is 4.00% your rate will never be higher than 10.00%.

Your actual payment will vary based on your situation and the current interest rates when you apply.
You may pay your mortgage at any time without pre-payment penalties. Speak with a Mutual Savings Credit Union real estate lender today by calling (800) 950-6728.

*Offer available to qualified borrowers. Rates may be as low as 2.70% APR. APR = Annual Percentage Rate. This is an adjustable rate mortgage loan. ARMs will adjust depending on the type of loan. A 1/1, 3/1 and 5/1 ARM is available. The annual percentage rate is the advertised rate and can vary based on credit worthiness, length of time for approved financing and down payment. Limited time only. Certain restrictions may apply. No minimum loan size.

GET PRE-APPROVED
It’s easy to get ahead of yourself when shopping for a new car, truck or SUV. One of the most important initial steps you can make in the auto loan process is getting pre-approved. By doing this, you have a clear idea about how much you can afford. To get pre-approved, just visit your nearest MSCU branch or speak with a lender by calling (800) 950-6728.

APPLY FOR YOUR LOAN
Mutual Savings Credit Union has three convenient ways to apply for your auto loan.
By phone – dial (800) 950-6728 and press 3 to speak with a Mutual Savings lender.
In the branch or on the lot – You can start your application at your MSCU branch or benefit from MSCU’s relationships with dealers in your area. Ask your auto dealer if they are an indirect lender for Mutual Savings and you could possibly start your applications without leaving the lot!
Online – take advantage of MSCU’s online loan applications to submit your loan request 24-hours a day. You can even use the mobile version to start your application on the go with your tablet or smartphone.

START YOUR SEARCH
After you’ve gotten pre-approved, it’s time to start your search. Your pre-approved borrowing amount gives you added leverage when negotiating the sales price of your new vehicle. Even if you don’t get pre-approved, you can use an online loan calculator to help you decide on the car that fits your budget.

We hope this guide to the Mutual Savings Credit Union auto loan process has been helpful as you consider your next vehicle purchase. Be sure to ask your MSCU lender about ways to protect your family in difficult financial times.

DO YOU HAVE TIME?
If you’re not able to visit your MSCU branch during the day to apply for a loan or if you feel more comfortable submitting your application at your own pace, consider MSCU’s online loan applications. This free service allows you to safely apply for your loan from anywhere and at any time. The mobile versions of our online applications also allow you to apply on the go with your tablet or smartphone.

HOW MUCH SHOULD YOU APPLY FOR?
If you’re not sure what amount you should apply for, a Mutual Savings lender can help you explore your options. Getting pre-approved for your loan amount gives you a specific amount to keep in mind when looking for your next car, truck or SUV. Visit your MSCU location or call a representative at (800) 950-6728 to get pre-approved today.

WHAT PAYMENT OPTION IS BEST?
Mutual Savings Credit Union members have payment options that fit your lifestyle and allow you to make your loan payments as conveniently as possible. With MSCU’s free online bill pay service, you can schedule your loan payment in advance and never worry about late fees or missing payments. Members that prefer a more direct payment plan can utilize the payroll deduction option and have their loan payment amount automatically drawn from your MSCU account each month at no charge.

Now you know what to consider and you also know that Mutual Savings Credit Union has options for each of these considerations. Be sure to check out MSCU’s low loan rates and start your application today!

FREE WAYS TO MANAGE YOUR MONEY
- Home Banking: The most resourceful online tool used by Mutual Savings Credit Union members. Check your balance, monitor transactions and transfer funds from anywhere and at any time with our free home banking service.
- Basic Checking: The foundation of personal finance that gives members all that they need with no surprises. Other than paying for your checks, there’s no charge to simply have a Basic Checking account from Mutual Savings Credit Union.
- Online Bill Pay: The fastest-growing way to safely pay your bills. Schedule reminders or set payments in advance for all of your billers with MSCU’s free online bill pay service.

FREE BENEFITS OF YOUR MEMBERSHIP
- Checking Rewards: Earn points that can be redeemed for free gifts for using your MSCU debit card. Mutual Savings offers two easy ways to be rewarded for doing things that you already do on a daily basis.
- Shared Branching: If you’re across town or across the country, you can make withdrawals, deposits and conduct other transactions with your Mutual Savings Credit Union accounts in participating credit unions, all at no charge.
- News and Updates: MSCU makes it easy for members to stay informed of the latest products and information for free. Sign up for monthly emails and connect with MSCU’s social media pages like Facebook and Twitter.

This is just a sampling of the free additions that are available to all MSCU members. If you would like more information about these or other free services, contact a Mutual Savings representative or visit your MSCU branch today!

MSCU hopes that you never have to rely on these options but if you do, please know that it is best if you have your debit card’s number and expiration date on hand to help report your missing or stolen card more efficiently.

REPORT YOUR MISSING OR STOLEN CARD
- During normal business hours, you can visit your MSCU branch location or contact a Mutual Savings representative by calling (800) 950-6728.

- After hours or on weekends, report your missing or stolen debit card with MSCU’s telephone banking service:
* Dial (800) 910-4804 or (205) 682-1199
* Press 4 to activate a card or report a lost or stolen card
* Press 2 to report a card lost, stolen or not received
* Press 1 if you know your card number; Press 2 if you don’t know your card number

WHAT HAPPENS NEXT
- After your debit card is reported missing or stolen, that card is canceled and can no longer be used.

- If you want a new debit card, you must request the new card. If you report your debit card as missing or stolen after hours and want a new card, you must contact MSCU (in person or by phone) the next business day to place your request.

- If you request a new card, it will be mailed to you. A new personal identification number (PIN) will be generated for you. For security purposes, this new PIN will be mailed to you but arrive after you receive your new debit card.

IMPORTANT INFO
Once you receive your new debit card and PIN, you’ll be ready to make purchases and ATM withdrawals again. It’s important to remember that Mutual Savings Credit Union debit card purchases are limited to $1,000.00 per day for added security purposes. Members can contact MSCU to have this daily purchase limit increased. ATM withdrawals made with MSCU debit cards are limited to $500.00 per day but members should know that non-MSCU ATMs may feature a lower daily limit. Mutual Savings Credit Union also places security restrictions on international debit card purchases. If you plan to use your MSCU debit card outside of the United States, contact MSCU so that your card will work properly. Click here to read more about this international security measure.

Forgetting payments accompanied by unwanted fees
Unwanted fees are the result of being late with your bill payments. Forgetting the payment due date is a common mistake and the cure is easier to apply than you think. With MSCU’s online bill pay, you can schedule payments in advance or simply schedule automatic payments to be taken from your account as frequently as needed.

Misplaced statements accompanied by inaccurate account balance
Your account statement is an important tool, especially when trying to make sure your balance is accurate. Unfortunately, statements can become lost in the shuffle with bills and other pieces of mail. To combat the sensations associated with a lost statement, MSCU recommends that you sign up for e-statements today. In place of your paper statement, you’ll receive an email that contains a secure link to your statement. You can even save the statement to your computer and access it at a moment’s notice.

The risk of carrying cash accompanied by a bulky wallet
If you misplace cash, anyone can find your money and use it. To reduce this risk, use a debit card from MSCU. Your person identification number (PIN) prevents others from using your debit card if misplaced or stolen. In addition to being a safe alternative to carrying cash, debit cards also help you trim down your bulky wallet!

These solutions to fighting financial flu symptoms are all FREE from Mutual Savings Credit Union. Visit your nearest MSCU location or speak with a representative by calling 800-950-6728 to sign up for these services today!

FACEBOOK
Starting January 11th, visit the special form on the Mutual Savings Credit Union Facebook page and follow these three steps:
- “Like” our page (you may have already completed this step! Just proceed to Step 2.)
- Provide your email address
- Share the MSCU Facebook page with your friends

TWITTER
Retweet the MSCU message featuring #ShareMSCU from @mutualsavings each day around 1:00 pm in order to be entered into the drawing.

The Mutual Savings Credit Union Social Media Contest ends on January 31st. Drawings for the prize packs will be held on Friday, February 1st and the winners will be contacted through Facebook and Twitter. The prize packs feature t-shirts, MSCU gifts and a $25 gift card from Mutual Savings Credit Union. Repeat the above steps as often as you like to improve your chances in the prize pack drawing. Good luck and thank you for being social with Mutual Savings Credit Union!

Please send any questions about the contest to marketing@mutualsavings.org.