January 2025 A Note From Our CEO

January 2025 CEO Note

I have not worried about money in the past seven days. On a scale of 1 - Strongly Disagree, to 5 - Strongly Agree, how would you reply to that statement? We ask this of our team one to two times per year to ensure we can contribute to their overall wellbeing. I find it interesting that I answer differently depending on what is happening for my family and I at that point in time in our lives. The concept of “it’s a journey.”

At M1 we promise to empower people in their journey of wellbeing. You have our unconditional support wherever you are in your financial journey, and our vibrant, uplifting, and resourceful team will encourage a better tomorrow.

In 2024, 98.6% of our team members became Certified Credit Union Financial Counselors™. I am so proud of their commitment! We want to talk to you, use our skills, and explore our heightened knowledge. We offer you free customized plans with our certified experts - budgeting, credit score tips, planning for the future, paying off debt, identity theft and fraud, and navigating financial hardship.

Have I ever mentioned to you that we are not a sales incentive-based culture? We are genuine, hardworking people who believe in what we have to offer you when it is right in your journey.

I believe that we all deserve to answer 5 – Strongly Agree - I have not worried about money in the past seven days, and we are the team to help get you there. I encourage you to begin with these offerings:

· Money Market Account that earns the highest interest on your first $500 of savings

· VISA Credit Cards with no annual fees, low rates, and Rewards with cash back, gift cards, and travel options

· Quick access to cash with our $1,000 Whatever Loan with no minimum credit score - for anything and everything

· Early Pay has your payroll, social security, disability, pension, and tax return direct deposits arriving up to two days in advance

· Change It Up™ rounds up your debit card purchases to the next dollar and puts it in your savings account – I recommend the Money Market

· First-Time Homebuyer program, a No Down Payment option, and HomeView™ homeownership course to get you into your dream home

· Savvy Money credit monitoring right in our Online/Mobile banking gives you daily credit score updates, information on what is impacting your score, credit monitoring alerts, helpful ideas on elevating your credit score

· “LEARN” in the menu of our website gives you access to financial calculators, fraud prevention tips, articles and resources on borrowing, first-time life events, financial assessments, saving & budgeting, insurance, and retirement

· Easy vehicle and RV loans you can apply for online, at the dealership, or with our team

· Mobile Wallet with Apple Pay and Google Pay™ for easy contactless access to your cards through your phone

· Business lending, credit cards, deposit accounts with remote check deposit, and merchant services (including gift/loyalty cards), to empower you to focus on growing your business

· Members First Investment Services and Credit Union Trust are highly valued extensions of our M1 community, bringing you trusted experts for investment and trust needs.

Cheers to a new year full of thriving possibilities!