9.4 Dakotaland Spring Newsletter.indd

1371 Dakota Ave. S • Huron, SD 57350
321 Dakota Ave. N • Huron, SD 57350
99 Caspian Ave. • Volga, SD 57071
719 E. 7th Street, Suite 2 • Woonsocket, SD 57385
2423 6th Street • Brookings, SD 57006
www.dakotalandfcu.com
Spring 2009
Tax Credits Available in ‘09
Beginning in January of this year, homeowners may be
eligible for certain federal tax incentives and credits for
energy conservation improvements done to their homes.
The maximum tax credit a homeowner can receive is 30
percent of the cost of the improvement up to $1,500. The
credit can be earned by doing the following:
• Replace exterior windows and skylights with
qualifying Energy Star windows. Not all Energy Star
windows qualify so check with the manufacturer.
• Install insulation, including vapor barriers. New
siding does not qualify.
• All Energy Star labeled metal and asphalt roof
materials qualify for the tax credit. The roofing
material must have at least a two-year warranty and
last at least five years.
• Caulk, weather stripping and foam sealants, as
well as storm doors qualify for the credit.
• Replacing the central air conditioner, heat pump,
furnace, boiler or water heater can qualify for the
credit. For a list of qualified products, check with
the manufacturer to see if their equipment qualifies.
• Air-to-air heat pumps with energy efficiency
rating of 12 or greater earn the tax credit.
• Geo-thermal heat pumps with an energy efficiency
rating of 14.1 or better receive the credit of 30 percent
of the cost and are not subject to the $1,500 cap.
All improvements bust be installed in or on the homeowner’s
principal residence in the U.S. The improvements must be
placed in service between the dates of January 1, 2009
through December 31, 2010.
Everything We Do, We Do For You. TM
74th Annual Meeting
Approximately 270 Members and guests
attended Dakotaland Federal Credit Union’s
74th Annual Meeting on Saturday, March
28th, 2009 at the Plains in Huron. Pastor
Bob Theis of Huron Weslyan Church gave
the invocation, followed by a buffet dinner.
Board Chairperson, Robin Olson presided
over the meeting. DFCU President, Dan
Cumbee recapped the past year at DFCU.
Cumbee also recognized Charles Pieschke,
Joanne Menning, Kenneth Bogh, Jeanette
Fink, Dale Connor, Pearl Hofer, Dennis
Gross, Warren Baseler, Gerald Asmus
and LaVerne Stahl who have been members
of DFCU for 50 years. Cumbee also recognized
several employees for their years of service
at Dakotaland FCU. They include: Lorna
Houge, 25 years, Becky Biever, 20 years,
Debbie Lehmen and Sharon Hedge for 15
years, and Lori Woodruff for 10 years. Jeff
Miller was unanimously re-elected by the
Dakotaland membership to serve another
three year term with DFCU Board of Directors.
Following the business meeting, door prizes
were awarded and members enjoyed
entertainment by the local show choir
group We Found Sound.
New Employees
Erica Deming has joined the staff at
the Huron North Branch as a part-time
teller. She is currently a junior at
Northern State University majoring in
Banking and Financial Services. She
enjoys being out doors, walking, fishing
and camping. Her parents are Robin
Deming and Allen Deming and she has
a sister, Amber.
Homeowners must file IRS Form 5695 with their taxes. All receipts
for the improvements and a copy of the manufacturer’s certification
must be available for IRS review.
For more information, go to www.energystar.gov and click on
tax credits for energy efficiency.
Laura Klein has joined the Volga office
as a part-time teller. She is a native of
Rapid City and attended SDSU where
she received her BS in Psychology. She
enjoys spending time with friends and
family and enjoys reading challenging
books.
FREE ACCESS
More than 25,000 ATM machines
throughout the U.S and Canada now
have surcharge free access. Look for
the ATM with the label CO-OP Network
on the machine and you will not be
charged a surcharge. Visit our website
to find the locations of the surcharge
free ATM machines.
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Attention ATM/Checkcard Users
A large percentage of our card fraud comes
from counterfeit cards. These are signature
based transactions. If you are traveling the
states where this type of fraud is high risk,
you may need to use your pin # to complete
your transactions. If you do not know
your pin # we will be happy to order you a
reminder.
Home Improvement Special going on now!
Home Improvement Special going on now!
If you wanting to build a deck, do landscaping,
painting, shingling etc…see a loan officer
about a Home Improvement loan today. Under
$5,000.00 at 7.9%apr with a 36 Month payback.
If the borrower has their first mortgage with us,
they will receive an additional 1%apr off the
7.9%apr to bring it down to 6.9%apr.
Memorial Day
Monday, May 25th
4th of July
Saturday, July 4th
Labor Day
Monday, September 7
Upcoming Events
Join us for Fun in the Sun at Dakotaland FCU’s Memberfest
Beach Party!
Memberfest will be held in Huron on Tuesday, June 16th
from 5:00pm – 7:00pm at the 1371 Dakota Avenue S
location. Join us for Brats, Hotdogs, pop and chips! Games
for kids will be available along with door prizes for all ages.
The Huron branch will request a $1.00 donation for each
plate with all proceeds going to the local United Way.
Memberfest for Brookings and Volga will be held on Thursday, June 18th from 11:30 – 1:30 at both branches. Come
in and register for door prizes for all ages!
New ATM Machine
Giveaways
Dakotaland FCU participated in the YWCA
Town & Country Show at the Huron Arena
on March 28th and 29th. Winner of the
$50.00 Visa Gift Card was Marlys R.
of Huron. Debra T. was the $50.00 cash
winner for signing up for E-statements in
February.
Closed Holidays
Steven S was the $50.00 Visa Gift card
winner at the Brookings Regional Home
Builders Show.
A new ATM machine has been
installed at the Volga Branch. It is a
Drive Up ATM and the address is 99
Caspian Ave in Volga.
Community Services
Locations
1371 Dakota Avenue South
Huron, SD 57350
605/352-2845
800/440-6573
321 Dakota Avenue North
Huron, SD 57350
99 Caspian Avenue
Volga, SD 57071
605/627-5880
800/440-8148
719 East 7th Street, Suite 2
Woonsocket, SD 57385
605/796-4186
800/440-6458
2423 6th Street
Brookings, SD 57006
605/697-5922
866/697-5922
www.dakotalandfcu.com
IRAs (Individual Retirement Accounts)
Every day we hear stories about social security
and employment pension programs going away.
It’s more important than ever to prepare for
retirement. The government thinks it’s so important
they’ve upped the annual contribution limit
on IRAs. New rules allow you to deposit up to
$5000 a year, and traditional IRA contributions
may be deducted from your income tax. Dakotaland
Federal Credit Union has the complete line of
IRAs and we urge you to use every opportunity
to save for your retirement. Learn more about
IRAs on our web site; www.dakotalandfcu.com.
Top 10 ways to prevent Identity Theft
Stop sharing your information with strangers –
particularly via telephone and e-mail scams,
cash machine skimming, and your trashcan.
1. Request a free credit report every 12
months from the three credit reporting companies
at www.annualcreditreport.com.
2. Remove your name from marketing lists
(call 1-888-5OPT-OUT) to reduce junk mail
containing your personal information.
4. Do not list your Social Security number or
driver’s license number on checks
Movie Ticket Winners
Wayne G
Ashlynn L
Emily F
Abigail D
Alejando P
Darin T
McKenzie B
Nathan W
Larissa S
Olivia D
Kyle F
Erika R
Make a deposit into your Savings account during the month and your
name will be entered into our drawing for two free movie tickets.
Dakotaland FCU Members and staff
in Huron, collected items to help
support the local Beadle County
Humane Society.
7. Do not respond to unsolicited e-mail
(spam) or callers who ask for information
such as SSNs and account numbers.
8. Add reliable software to your computer.
3. Check financial statements, including
bank, credit card, and investment accounts,
every month for unusual transactions.
Kidbits
6. Keep personal ID documents in a secure
place at home, one that visitors can’t access.
5. Avoid using checks if possible and bank
online.
9. Keep bank cards and checks at home
unless needed.
10. When you must carry credit cards
and personal ID, keep them secure—oldfashioned pickpockets still account for 30
percent of identity thefts.
To learn more about preventative tips and
what to do if your identity gets stolen go to
www.consumer.gov/idtheft.
Special Notice for 4th of July Holiday
All branches will be open on Friday, July 3rd and Monday July, 6th normal business hours.
The Drive-thru in Huron and Brookings will be closed on Saturday, July 4th.