Fee Change Notice!

Please be aware that effective May 1, 2025, Quest Federal Credit Union will charge the following fees.

Debit Card/Credit Card Replacement Fees

• Replacement costs for debit cards and credit cards will increase to $10/card.

Thank you.

Quest Federal Credit Union is offering a Share Certificate special for a 24-month deposit earning 4.39% APY*.

Let your money make you some money! Open a new Share Certificate and earn 4.39% APY (4.3% APR) for 24-months.

$10,000 minimum deposit required, new money CDs only. For more information stop by any branch and ask about our Share Certificate special.

* APY = Annual Percentage Yield. APR = Annual Percentage Rate. New money CDs only. $10,000 minimum deposit. Penalty for early withdrawal.

Rate discount for qualified borrowers only. Rate discount eligible from 4/1/2025 through 6/1/2025. APR = Annual Percentage Rate

From the CEO’s Desk

Hello, my name is Matt Jennings, and I am the Chief Executive Officer of Quest Federal Credit Union, and I hope this letter finds you all well.

Quest has started the year off on good footing, growing to $205m, with loans over $137m, Net worth at 9.09% and delinquency decreasing to 0.69% as of February close. All in all, Quest is growing, and we are financially strong.

Saturday, March 15th marked our 56th Annual Meeting of Member Owners and we had a fantastic breakfast served by More than just BBQ and enjoyed the beautiful, although rainy Memorial Park Golf Course views. President Sarah Wirbel updated the attendees on our successes in 2024, Cam Hemmerly summarized our financial performance for year end 2024 and I updated those present on our plans for 2025. Vice President Ron Rogers completed the nominating cycle for 2025. Returning to the Board of Directors are Sarah Wirbel, Cam Hemmerly and Luke Larrabee with Austin Oglesbee returning to the Credit Committee. I also had the pleasure of recognizing the Board and Staff Members for their years of service and they are as follows; Service awards were presented to Shenan Kelly, Luke Larrabee and Hilary Dalton for 5 years. Kelly Rickenbacher and Emily Heilman for 10 years. Angela Newland and Tracy Hollinger for 15 years. Karla Lowe and Jennifer Musson for 20 years. Deb Houser and Paige Wallace for 25 years. Vickie Roszman for 30 years and Allen Barrett for 35 years.

We are excited to announce and launch our Quest Tiered Rewards Program that pays you in points for nothing more than using your credit union! You can accumulate points for most all products and services that Quest offers and then use those points for Quest Swag, interest bumps on CD’s, or offsetting costs of card replacement, fee reductions, etc. Check out your points by logging into online banking or by inquiring with the frontline Member Service Representatives at any of our convenient branch locations. You can also check out our new online store for Explorer Tier Rewards point redemptions – go to: https://store.questfcu.com and have a look!

If you have not already, please check out our Exploration Podcast series which you can find on our website or by visiting the podcast app on your smart phone and searching Quest Exploration. We have built a robust library covering many topics that you may find of interest or that can be used for self help for such things as online banking, learning how to apply for loans, student loans and much more.

Listen to Exploration!

In closing, thank you for your patronage, and the Board of Directors and Staff would like to wish you all the best. We view Quest as a big family, and we are here to help! Thank you and I welcome any comments, suggestions or questions from our member owners. I can be reached by calling the Main Office or via email at mjennings@questfcu.com. Thank you for your loyal patronage to Quest and I challenge you to Explore the Possibilities!

Matt Jennings, Chief Executive Officer

FOR IMMEDIATE RELEASE:

Kenton, OH — Saturday, March 15th, 2025 marked the 56th Annual Meeting of member/owners of Quest Federal Credit Union. The meeting was held at the Memorial Park Golf Club conference room and breakfast was served by Moore Than Just BBQ. Board President Sarah Wirbel updated the attendees on Quest’s successes in 2024, Cam Hemmerly summarized the financial performance reports for year-end 2024, and Matt Jennings updated those present on plans for 2025 and beyond. Vice President Ron Rogers completed the nominating cycle for 2025. Returning to the Board of Directors are Sarah Wirbel, Cam Hemmerly, and Luke Larrabee; Austin Oglesbee will be returning to the Credit Committee. Matt Jennings had the pleasure of recognizing the Board and Staff Members for their years of service and they are as follows; Service awards were presented to Shenan Kelly, Luke Larrabee, and Hilary Dalton for 5 years. Kelly Rickenbacher and Emily Heilman for 10 years. Angela Newland and Tracy Hollinger for 15 years. Karla Lowe and Jennifer Musson for 20 years. Deb Houser and Paige Wallace for 25 years. Vickie Roszman for 30 years. Allen Barrett was recognized for 35 years of volunteer service to the credit union.

Quest Federal Credit Union serves those who live, work, worship, or attend school in Hardin, Logan, and Wyandot counties. Quest ended the year with $201,939,261 in assets, 16,361 members, 9.17% Net Worth, and six branch locations serving member/owners.

For more information about Quest Federal Credit Union, go to https://questfcu.com or find us on Facebook at https://www.facebook.com/Questfederalcu.

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Service Award Winners

Annual Meeting

Join us for the 2025 Quest Federal Credit Union Annual Meeting!

All member/owners are invited to attend the Quest Federal Credit Union Annual Meeting to be held on March 15th, 2025. The meeting will be held at the Memorial Park Golf Course in Kenton, OH. Breakfast will be served at 9:00am with the meeting to follow.

Please join us as we review the achievements of 2024 and discuss the future of Quest Federal Credit Union.

Tickets are not required for entry, all current/active members are invited to attend. Breakfast is provided.

Explore the Possibilities!

Quest Federal Credit Union recognizes, rewards, and supports the pursuit of higher education in our community. Quest is making available nine (9) $500 scholarships for those high school students who will be continuing their education following graduation.

ELIGIBILITY

• 3.0 GPA or higher
• Will attend an 2- or 4-year accredited university, college, or technical school
• Students in Hardin, Logan, or Wyandot counties are eligible, also if you reside outside these counties, but have a parent or grandparent that is a Quest member you are eligible.

SELECTION PROCESS

• Your application will be evaluated by the Quest Federal Credit Union Scholarship Committee and you will be notified no later than May 31^st, 2025

 APPLICATION DEADLINE

• Applications must submitted to Quest Federal Credit Union and are due by April 11^th, 2025
• Click here to download the scholarship application form

Mail to:

Quest Federal Credit Union Scholarship Committee
c/o Quest Federal Credit Union
12837 US Highway 68
Kenton, OH 43326

🎉Welcome to our Explorer Tier Rewards Program!🎉

Over the past 6 months, Quest Federal Credit Union has been rolling out our ETR Program to benefit all our amazing members! ✨

🌟 How it works:

ETR Points are earned monthly based on your use of Quest Federal Credit Union products and services. Here’s what you can do with your points:

• 👉 Redeem for Quest Merchandise & Logowear 👕
• 👉 Bump up your CD % 📈 (New CDs only*)
• 👉 Lower loan rates 📉 (New loans only**)
• 👉 Waive fees on multiple products 💸

💡 Check your points:

Log in to your Quest FCU Mobile App or Online Banking and visit the Explorer Tier Rewards section to see your points balance. Then, head to our Store to explore all the exciting ways to redeem them! 🛍️

🌐 Visit our store now: https://store.questfcu.com/

📞 Got questions? Call us at 800-333-9571—we’re here to help!

* – CD rate increase valid for new CDs only
** – Loan rate decrease valid for new loans only