November 2015 - Western Cooperative Credit Union

Volume 38, No. 11
November 2015
P r e s i d e n t / C E O : Melanie P. Stillwell
Monthly publication from Western Cooperative Credit Union
Williston: Main Office
1300 Bison Drive
PO Box 2237
Williston, ND 58802
701-572-4000
1-800-584-9220
Williston: Branch Offices
215 Washington Ave.
701-572-4000
Dickinson: Branch Offices
290 15th St. W. & 721 State Ave.
Dickinson, ND 58601
701-227-0188
1-800-733-9228
Hebron: Branch Office
701 Main Street
PO Box 504
Hebron, ND 58638
701-878-4063
Beach: Branch Office
60 2nd St. NE
PO Box 366
Beach, ND 58621
701-872-2228
Glen Ullin: Branch Office
414 E. South Ave.
Glen Ullin, ND 58631
701-348-3832
Ray: Branch Office
10 Main St.
PO Box 158
Ray, ND 58849
701-568-3663
iTalk—Interactive Voice Response
Williston: 701-572-4400
Dickinson: 701-483-9228
Toll Free: 1-800-588-0106
Website & NetTeller
www.wccu.org
WCCU Mobile App
Download the mobile app and connect to your
NetTeller today through your Google Play Store
or Apple App Store on your Smart Phone!
WCCU ATM Locations:
Williston:
Main Branch, Downtown, TrainND, &
Law Enforcement Center entrance.
Dickinson:
North Branch Drive-Up &
State Ave. Drive-up
Ray
Cenex Convenience Store
Beach
Branch Drive up at 60 2nd St NE
Cooperative Insurance Agency, LLC
1300 Bison Drive
PO Box 940
Williston, ND 58802
701-572-3292
WCCU Insurance Agency, LLC
290 15th St. W.
Dickinson, ND 58601
701-483-0207
Krabseth Agency
213 Washington Ave.
PO Box 909
Williston, ND 58802
701-577-2210
T he p ro d u c t s an d s e r v i c es o f f e r e d b y Co o pe r at i v e I n s u ra n ce Ag e n c y, L L C
a n d W C CU I n s u ra n ce Ag e n c y, L L C a re not f e d e ra l l y in s u r e d ; a r e no t
o b l ig at io n s of W C C U; a r e n ot g u a ra nt e e d b y W C C U o r a f f i l iat e d en t it i e s;
i n v o l v e in v e st m en t r is k s, i n c l u d i ng t he po ss i b l e lo ss o f p r in c i p a l.
Celebrate the Holidays with WCCU!
Christmas is just around
the Corner!
If you don’t want to stress about
finding the perfect gift or stand in
those long lines this year, we
understand! That’s why WCCU has two
solutions to brighten your holiday
season! Our offices offer Visa Gift
Cards in various denominations over
$10.00 and come in two holiday
designs! We also have holiday money
envelopes for those members who
prefer to give cold hard cash as gifts!
This holiday season, you do the giving
and they’ll do the shopping with help
from Western Cooperative Credit
Union!
Holiday Open Houses at WCCU
Save the Date for our annual
Holiday Open Houses at our
branches! We would love to share our
holiday cheer and wish you a blessed
season and a happy new year!
Beach.………………...December 04
Dickinson…………….December 15
Glen Ullin…………….December 15
Hebron………………..December 17
Ray…………………….December 17
Williston……………..December 15
Western Cooperative Credit Union will be
closed on Wednesday, November 11 in honor
of Veterans Day. Western Cooperative
Credit Union will also be closed on
Thursday, November 26 to celebrate
Thanksgiving.
WCCU Insurance Agency, LLC will be closed on
Wednesday, November 11 in honor of Veterans Day.
WCCU Insurance Agency, LLC will also be closed for
Thursday, November 26 and
Friday, November 26 to celebrate Thanksgiving.
Trim Your Holiday Spending
Save that New Year’s resolution for something besides paying down holiday debt. With a bit of planning and
saving, and a little help from the Internet, you can keep your holiday spending in check.
Plan ahead
Create a spending plan using an online budgeting tool or homemade spreadsheet. Make a list of recipients, and establish a budget for each individual.
Include gifts for family, friends, and teachers, as well as travel expenses, holiday parties, and items such as wrapping paper, postage, and holiday
decorations and clothing.
Suggest a gift exchange
Gift exchange games can be an interactive and creative way to entertain guests—and to shrink the number of presents each person must purchase.
Forgo extended warranties
Most financial experts recommend skipping extended warranties. Consumer Reports surveys confirm that shoppers rarely
redeem them and, if they do, the average repair cost isn’t much more than the warranty cost.
Use coupon codes
Find thousands of coupon codes on the Internet, by searching sites like Coupons.com, RetailMeNot.com, FatWallet.com, and many more.
Free Shipping Day
Visit FreeShippingDay.com to find out which eStores are participating, and search coupon codes for additional savings.
Look for Black Friday and Cyber Monday online deals
Many Black Friday and Cyber Monday sales are available online for the same price as in stores. Also, Cyber Monday deals often start well in advance
of that day, so shop ahead.
Purchase reduced price gift cards
Sites like Cardpool.com or GiftCardGranny.com offer discounted gift cards for many major retailers.
Use daily deal sites
Deal sites Groupon.com or LivingSocial.com offer deeply discounted offers on things like restaurants, jewelry, spas, hotels, golf courses, gym memberships, home supplies, and much more. Purchase a gift item, or gift an activity such as kayaking or a
weekend getaway.
Stop by Western Cooperative Credit Union today! Our professionals can help you with your financial
holiday needs!
Congratulations to the November
“Star Student” Recipients
Kenadee Kudrna and Miranda
Barraza!
Kenadee is a sophomore at
South Heart High School. She
has been on the honor roll, is
involved in FFA (Future Farmers
of America) and FCCLA (Family,
Career, and Community Leaders
of America) and sings in the
choir, amongst other schoolsponsored activities.
Miranda is a sophomore at Williston High School. She has a 4.4
GPA and is a member of National
Junior Honor Society. Her
activities include band and SADD
(Students Against Destructive
Decisions). Miranda is also a
WHS Student Ambassador!
Copyright 2013 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All
other rights reserved.
Upcoming Community Events
Kenadee
Kudrna
Light Up Harmon Park-Williston, ND: Holiday Stroll-Williston, ND:
November 27
December 4
The annual Light Up Harmon Park holiday
parade down main street leading to the lighting of
Harmon Park for the Christmas season in Downtown Williston; you can’t miss it!
Downtown Williston will be abuzz with
holiday specials and goodies for the
Holiday Stroll! Stores will be open until 8PM for
shopping, along with family-friendly fun activities
throughout the evening!
Spring Lake Park Holiday Lights Holiday Extravaganza-Beach, ND:
Williston, ND:
December 4
November 28-December 31
D ri ve t h r o u g h a n d e n j o y t h e l i g h t s a t S p ri n g
L a k e P a rk! B e s u re t o f i n d W CCU’ s P e n g u i n
D i s p l a y!
Happy 5th WCCU
Anniversary to our
Beach Branch!
December 1
L o o k f o r wa r d t o a c e l e b ra t i o n i n t h e s p ri n g!
The city of Beach will be a busy one for their
annual Holiday Extravaganza! There will be a
chili cook-off, a Home on the Range Basket
Bash, Kid’s Shopping program, and more! The
businesses around town will also have hometown
specials, and don’t forget to participate in the
Beach Bucks stamp contest— winners receive
Beach Bucks prizes!!
Miranda
Barraza
Dickinson Chamber Festival of Trees
Dickinson, ND– December 4
From 4:00 PM to 8:00 PM at the Astoria Hotel,
enjoy the Festival of Trees! There will be a visit
from Santa, a kids’ activity table, treats, and a
silent auction with proceeds to the Dickinson
Back Pack Program. Admission is $10 per family
or $5 per person or a non-perishable item(s).
If you know any potential Star Students,
please visit your nearest W CCU Branch
for a brochure.