North Alabama Educators Credit Union

3 HOME IMPROVEMENTS NAECU.ORG NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE WHETHER YOU'RE UPGRADING your home to put it on the market or updating it to better suit your family's needs, when financing a remodeling project with a home equity loan or line of credit, it is a good idea to protect the equity by making improvements with proven resale value. In the Central Southeast, improvements that provide the most bang for the buck include: → Remodeling the kitchen—A fully updated kitchen has a 13% higher resale value than an updated bathroom. Go with new or updated cabinetry, energy-efficient appliances, a large sink, and lots of counter space. → Replacing worn or outdated siding—New siding adds all-important curb appeal. It also typically has a higher resale value than a new roof. → Updating old windows—A house with low energy costs is a major draw for today's cost-savvy, environmentally conscious homebuyers. ENERGY Hig-Valu THINKING OF REMODELING YOUR HOUSE? READ THIS FIRST! STAR-qualified windows can save homeowners up to $349 per year in heating and cooling costs in this region. → Installing a new front door—With a 114% resale value, a new front door is one improvement that actually recoups more than it costs. → Adding a deck—Outdoor living spaces are a hot item in today's real estate market. For decking material, choose wood boards—they have a slightly higher resale value than composite boards. MAKE YOUR REMODELING DREAMS A REALITY WITH OUR EASY EQUITY MORTGAGE LOAN. THIRTY-SIX MONTH FINANCING IS AVAILABLE FOR A FIXED ANNUAL RATE AS LOW AS 2.99% APR ON LOANS UP TO $50,000. TO APPLY, VISIT NAECU.ORG/LOANS/REALESTATE.PHP. NAECU IS A member of CO-OP ATM and Shared Branching—two networks that allow participating ATMs and credit unions throughout the country to stand in for us when you're on the road. You can find 30,000 surcharge-free CO-OP ATMs— 9,000 of which accept deposits—throughout the United States, including Redstone Federal Credit Union ATMs in North Alabama. ATMs at Walgreens, Publix, Costco, and 7-Eleven retailers also participate in the CO-OP ATM network. Our CO-OP Shared Branching family includes members in every state, plus Puerto Rico, Guam, and military bases worldwide. Travelers can choose from more than 5,000 credit union branches and 2,000 self-service centers to perform a variety of transactions, including withdrawals, loan payments, transfers, account history updates, deposits, and payroll check cashing. Make sure to have your NAECU account number and a valid photo ID. If you prefer a digital experience, download the Sprig ® by CO-OP app or NAECU's Mobile Money app* to make deposits and manage your NAECU credit union accounts from your smartphone. WONDERING IF A CO-OP ATM OR SHARED BRANCH MEMBER IS CONVENIENT TO YOUR NEXT TRAVEL DESTINATION? VISIT NAECU.ORG, SCROLL OVER "ABOUT US," AND SELECT "CO-OP SHARED BRANCHING." CLICK THE CO-OP LOGO TO SEARCH THE MEMBER LOCATOR ON THE CO-OP WEBSITE. * Must be enrolled in CU Online Home Banking to participate in Mobile Money. Credit Union ACCESSING YOUR NORTH ALABAMA EDUCATORS CREDIT UNION (NAECU) ACCOUNT WHILE TRAVELING IS CONVENIENT AND EASY. YOUR COAST-TO-COAST

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