GREAT AUTO LOAN

April 2019

Bank with GSA FCU to take advantage of our lower loan rates and higher share rates.

In ThisIssue

2Visa Cards, the

Only Way to Pay

2Vacation Loan

WWW

WE'RE MOVING ONLINE!

Come Visit Us at Our New Web Address

2Share Certificates 3President's

Viewpoint

3Open House 3Courtesy Pay



Our web address is changing this summer! This summer, visit us online at . Along with a new domain name, we'll have an updated look with lots of great features and information.

4Ratewatch

HOLIDAY CLOSINGS

Monday, May 27 -- Memorial Day

Thursday, July 4 -- Independence Day

Steer Your Way to GSA FCU for a

GREAT AUTO LOAN

Are you in the market for a car, truck, or motorcycle? If so, stop by GSA Federal Credit Union before you start shopping. We'll help you get pre-approved and determine what vehicles you can comfortably afford. Then, we'll set you up with a great loan!

Our auto loans feature:

?Rates as low as 2.39% APR* ?100% financing ?Terms up to 72 months

APPLY TODAY!

gsafcu.

Annual Meeting/ Board of Elections

?GAP Coverage and Mechanical Repair Coverage available!

Our Annual Meeting and Election will be held July 17, 2019 at 12 noon. The meeting will take place in Room 1153, 1800 F Street, NW, Washington, DC 20405.

*APR = Annual Percentage Rate. Rates are subject to change without notice. Actual rates may vary based on credit score of individual applicants.

Please join us for a review of the past year and our election of officials.

A GSA FEDERAL CREDIT UNION VISA?: THE ONLY WAY TO PAY

With a GSA Federal Credit Union Visa card, you won't need any other credit card in your wallet. Between our Visa Classic and Visa Platinum cards, we have options to cover all your spending needs.

Our Visa Classic has a fixed rate as low as 11.88% APR,* and credit limits up to $20,000.

Our Visa Platinum credit card has a variable rate that is currently 8.49% APR*. The variable rate will never exceed 10.90% APR,* with credit limits between $5,000 to $20,000.

With either card, you'll enjoy no balance transfer fees, worldwide acceptance at more than eight million locations, access to more than one million Visa ATMs worldwide, and the option to add credit life and disability insurance.

Ready to apply? Apply online at gsafcu..

*APR = Annual Percentage Rate. Rate subject to change; rate subject to credit approval and terms. Rates based on creditworthiness; yours may differ.

Rates as low as

6.99%APR*

You deserve a little time to relax without breaking the bank. With a GSA Federal Credit Union Vacation Loan, you can do just that!

Our low-rate loans make traveling more affordable. We offer:

?Rates as low as 6.99% APR* ?Terms up to 36 months ?Loans up to $3,000

Apply online at gsafcu. and then start planning your next getaway!

*APR = Annual Percentage Rate. Rate subject to change; rate subject to credit approval and terms. Rates based on creditworthiness; yours may differ. Sample payment: $31 per $1,000 borrowed for 36 months at 6.99% APR.

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MONEY MAY NOT GROW ON TREES, BUT IT GROWS AT GSA FCU

The old saying "money doesn't grow on trees" may be true, but your money can grow with little effort at GSA Federal Credit Union!

A share certificate is a certificate of deposit. The deposit is made for a certain period of time that earns specified dividends over that time. In simpler terms, deposit your money and watch it grow!

We also regularly offer share certificates with terms ranging from six to 60 months. Stop by one of our branches or visit gsafcu. to apply today.

Share Certificate Term 6 months 12 months 24 months 36 months 48 months 60 months

APR* 2.00% 2.60% 2.80% 2.90% 3.05% 3.15%

APY** 2.02% 2.63% 2.84% 2.94% 3.09% 3.20%

*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate. Minimum share certificate deposit amount of $1000.

PRESIDENT'S

Viewpoint

We live in a fast-paced world -- one commonality we all have is that time is scarce. At GSA FCU, we understand the value of your time, which is why we're committed to offering products and services that work with your busy lifestyle.

Online Banking

Our online banking service allows you to access your accounts and make financial transactions 24 hours a day, 7 days a week, from the convenience of your home, your phone, or anywhere you have Internet access.

Online banking allows you to: ?Check account balances ?Pay bills online ?Transfer money between accounts ?Set up account alerts

Mobile Banking

Mobile banking offers many of the same great services as online banking, just from your smartphone. Additionally, you can deposit checks to your accounts with Mobile Check Deposit. Mobile Check Deposit saves you time standing in line at a branch and allows you to deposit checks when the credit union might otherwise be closed.

Download our Mobile Banking app through your phone and enjoy the convenience of banking on the go today!

Visit gsafcu.pdf/mobilebanking.pdf for download information.

Electronic Bill Payer

Electronic Bill Payer is a simple, free online bill payment service that allows you to schedule payments online. The funds are transferred from your GSA FCU checking account directly to the merchant.

To sign up for electronic bill payment, call 202-876-2121, or email us at gsafcu.members@.

In addition, our website is a wonderful tool for you to learn more about what GSA FCU offers. Use the website to apply for a variety of loans, open a credit card, access calculators that can help you make financial decisions, and locate ATMs.

Sincerely,

Jerome P. Malvin, Jr.

President/CEO

Annual Open House is April 24 & 25

Come learn more about the credit union, celebrate this past year, and talk about plans for the future at our Open House.

When: April 24 & 25, 2019, 10 a.m. to 1 p.m.

Where: 1800 F Street N.W., Room 1211, Washington, DC 20405

We'll have food, drinks and giveaways! You do not need to RSVP to attend.

If you know someone who is interested in becoming a member of GSA FCU, invite them to attend the Open House too. There will be an opportunity to join during the event. Or, they can also apply for membership anytime through our website at gsafcu..

PROTECT YOUR ACCOUNT WITH COURTESY PAY

Have you ever come up short in your checking account? Perhaps you've been embarrassed by a returned check or other non-sufficient funds item? Or, you've had to pay an additional merchant fee as a result of insufficient funds?

With Courtesy Pay, we will automatically cover checks, ACH payments, ATM withdrawals and point-of-sale transactions up to a limit of $500 if you don't have the funds available in your account. There is a $30 fee per transaction.

We know that everyone needs a little help from time to time, and Courtesy Pay lets you avoid what would otherwise be embarrassing situations.

Visit gsafcu. to opt in for this service and add an extra layer of protection to your checking account today!

*You must have a minimum of $500 per month as a direct account deposit to qualify for and maintain courtesy pay.

3

BOARD OF DIRECTORS

Nathan Smith, Chairperson Frederick Bridgers, Vice Chairperson

Tyler Odenath, Treasurer William Conley, Director Paul Cuddihy, Director Edward Giefer, Director Derek Gourdine, Director Allison Peterman, Director

James Zaiser, Director

SUPERVISORY COMMITTEE

Jon Petix, Chairperson Tiara Cobbins, Member Sven Carlson, Member

Tyler Kasak, Member

STAFF

Jerome P. Malvin, Jr., President/CEO Marissa White, Vice President/COO Diana Whiteside, Accounting Supervisor

Paris Pierre, Branch Manager Kendra Price, Loan Officer

Michelle Scott, Member Services Abbie Sweat, Accounting Assistant

Angela Key, Collections Officer

Website gsafcu.

Call Center Monday - Friday

202-876-2121

Administrative Office/ Northwest Branch

1800 F Street, NW, Room 1211 Washington, DC 20405

Tuesday, Thursday and Friday 9:00 a.m. ? 2:00 p.m.

Southwest Branch 301 7th Street, SW, Room 5021

Washington, DC 20407 Monday and Wednesday

9:00 a.m. ? 2:00 p.m.

Mailing Address P.O. Box 27559 Washington, DC 20038-7559

24-Hour Teleserv 202-484-8090

E Printed on recycled paper with soy ink

designed &printed by visions, ink. 390225 4/19

4

P.O. Box 27559 Washington, DC 20038-7559

PRSRT STD U.S. POSTAGE

PAID VISIONS INK

RATEWATCH

Rates effective as of publication date and subject to change without notice. Call for current rates. Loan rates published here are lowest possible rates. Actual rates may vary based on credit score of individual applicants.

SHARE RATES

LOAN RATES

Share Type

Dividend APY*

Share Savings Balances between $5.01-$1,000 $1,001-$2,000 $2,001-$10,000 $10,001-$20,000 Over $20,000

0.15% 0.35% 0.35% 0.35% 0.35%

0.15% 0.35% 0.35% 0.35% 0.35%

Share Draft $1,001-$2,000 $2,001-$10,000 $10,001-$20,000 Over $20,000

0.15% 0.30% 0.30% 0.30%

0.15% 0.30% 0.30% 0.30%

Internet Checking Account1

Balance between

$1,000-$15,000 0.40%

Over $15,000

0.20%

0.40% 0.20%

Christmas/Vacation

Club Accounts

0.40% 0.40%

IRA Share Account 0.40% 0.40%

Share Certificates2 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month

2.00% 2.60% 2.80% 2.90% 3.05% 3.15%

2.02% 2.63% 2.84% 2.94% 3.09% 3.20%

Loan Type First Mortgage

APR* As Low As Check rates

Unsecured (Signature) 6.99%

Visa Platinum (variable rate) 8.49%

Visa Classic

11.88%

Overdraft Protection 15.00%

Certificate Secured Loan

Certificate Rate

+ 3.00%

Share Secured Loan

Share Rate + 3.00%

Vehicle ? New or Used3 24 Months 2.39%4 36 Months 2.39%4 48 Months 2.39%4

Vehicle ? New 60 Months 2.39%4 72 Months 2.54%4

Equal Opportunity

LENDER

Federally Insured by

NCUA

*APY = Annual Percentage Yield. APR = Annual Percentage Rate. 1Internet Checking Account requires a minimum balance of $1,000 and a monthly direct deposit of at least $500. 2Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate. 3Actual rates may vary based on credit score of individual applicants. Add 1.50% for used automobiles over 2 model years old without an extended warranty. 4These rates apply to loans repaid with Direct Deposit. If a loan is repaid without direct deposit, the next higher rate will apply.

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