2nd Qtr July 2012 We will be closed on

2nd Qtr July 2012 We will be closed on Wednesday, July 4h in observance of Independence Day.
gcu new$
A newsletter for the members of General Credit Union
GCU Evolving in a way that promises
to maintain and attract Gen-X members
Five Locations, Just One Call!
(260) 471-5544 or (800) 889-5554
6601 Mutual Drive
Fort Wayne, IN 46825
Lobby Hrs: M,W,Th,F 9-5, Tu 10-5
24-Hour ATM
Drive-up: M-W 9-5, Th-F 9-6
630 E. Dupont Road
Fort Wayne, IN 46825
Lobby Hrs: M,W,Th,F 9-5, Tu 10-5
Drive-up: M,W 9-5, Tu 10-5, Th-F 9-6, Sat 9-noon
5020 Riviera Court
Fort Wayne, IN 46825
Lobby Hrs: M,W,Th,F 9-5, Tu 10-5
24-Hour ATM
Drive-up: M-Th 8-6 Fri 8-7, Sat 9-Noon
5001 US Hwy 30 W.
Inside the Sirva Building
Fort Wayne, IN 46818
Lobby Hrs: M,W, 9-1 Fri 9-5 ATM: M-F 9-5
6447 W. Jefferson
The Village at Time Corners
Fort Wayne, IN 46804
Lobby Hrs: M,W,Th,F 9-5, Tu 10-5
Drive-up: M-Th 9-6 Fri 9-7, Sat 9-Noon
www.gencu.org E-mail: [email protected]
Telephone Teller
260.471.4874 or 1.800.640.0302
Credit Union Service Center Outlet Locations
You can visit the following locations to access your
account(s) and perform transactions. For other
locations nationwide call (800) 919-CUSC (2872) or
visit www.gencu.org and click on the Shared Branching
icon on the right side of home page. ATM network info
available here too.
Fort Financial CU
6309 Lima Road - Meijer Store
5909 Illinois Road - Meijer Store
10301 Maysville Rd. - Meijer Store
3102 Spring Street
702 State Road 205 (Churubusco)
1302 S. Grandstaff (Auburn)
3 Rivers FCU
6310 E. State Blvd. - Scott’s Food Store
10230 Chestnut Plaza Dr. - Scott’s Food Store
10470 Maysville Rd.
1155 W. 15th St. (Auburn)
275 W. Frontage Rd. (Columbia City)
10915 Isabelle Dr. (New Haven)
915 N Main St. (Bluffton)
846 N Lima Rd. (Kendallville)
Public Service CU
1209 Reckeweg Road
7017 Old Trail Road
There is an economic trend in
banking. Large is getting larger
and big is getting bigger. The
phenomenon is not restricted
to Bank of America, Chase or
Citibank. The practice is
spilling over into the credit
union sector where the ability
to provide a broad product
platform while maintaining
membership numbers forces
the merge or collapse of many.
Still, we are working feverishly
to prove that big is not always
better.
In fairness of disclosure for
those who may not know, we
are not a tiny, single branch
credit union. We have five local branches but frankly being a mega, multi-state credit union simply
isn’t in our plans. Right now our main priority is our members. That’s why we have taken your
constructive, and sometimes critical, comments seriously to come up with more attractive and techsavvy membership perks to give you more of what you want and the service you deserve.
For example, mortgages and indirect loans offered at local auto dealerships are not mechanically
approved. (FYI, our auto loan rate of 2.39%apr is one of the lowest in the city, just saying...) In a
Gen-X kind of way, our auto loan manager is available whenever a dealership needs a loan approval.
Even on weekends and evenings and loans can physically be approved within 10 minutes.
By no means is the Gen-X culture something of the norm at GCU, but look for that to change as
more time and attention is given towards evolving in a way that promises to maintain and attract
those members. Much like the loan officer who accepts and approves loans via smart phone, the
tech-conscious credit union offers PopMoney for members who no longer value currency exchange.
The electronic PopMoney allows members to pay vendors, babysitters or friends through the
Internet or their smart phone. Money is electronically transferred with a few swipes of a phone.
In just a few short weeks get ready to see a whole new online look, as we launch a new website that
brings a trendy and sophisticated look together with user friendly functionality. It also has several
new features including an array of finance calculators and something for members of all ages.
Future plans include account aggregation, which provides one site for checking, savings and loan
accounts with tools for budgeting and bill reminders. Another step toward the new model of
business designed to please the youngest generation of credit union membership.
Of course, there is more to the mix than smart phone access and loan officers “on call.” The revamp
is evidenced in our “out of the box” bricks and mortar branches where our trendy teller “pods” and
coffee stations have proven to be big hits and conversation starters among members new and old.
The physical interior design sends a message that this is not your grandparents’ credit union and is a
visual reminder of why we are ready to leap into the future.
Oh, and mobile banking is coming soon...although you can already access your account through your
mobile browser at gencu.org.
2.39
as
low
as
%
APR
We Now Offer Premiere
Regal Cinema Movie
Passes
We will now offer Premiere Regal
passes. Unlike the current ones that
we sell (and we will continue to sell)
the Premiere passes have no
restrictions*. They are good on day
one of new releases. The cost for
these new tickets is $7.50. They will
only be sold at our Mutual Drive and
Riviera Court branch locations.
Need Meeting Space?
car loan sale
Stop by today and take advantage of this great loan rate, or refinance your current loan and
$ave with General Credit Union! As low as 2.39% apr on 2006-2012 models financed up to 60
months or finance 2004-2005 models for up to 42 months. 2.70% apr is still available for
2008-2012 models financed 61 to 75 months.
* Limited time offer. All rates are subject to credit qualifications and approval. This special rate is not available for refinancing of an existing GCU loan.
No other discounts may be applied to lower this special rate. This offer is subject to change. Other rates and terms available. You would pay approximately $17.70 per $1000 borrowed at 2.39%APR for 60 months. Annual Percentage Rate (APR).
For those small binds,
We’ll loan you a small amount.
No Money? No Problem!
Introducing
SIMPLE SOLUTIONS LOANS
Our newly remodeled Riviera Court
branch now comes with a spacious
brand new community room - great
for meetings and seminars and is
available during office hours. If you
are interested in using this space
please call 260.471.5544 ext. 200.
Did You Know...
Did you know that by being a
member of General Credit Union
you have access to over 4,000 credit
union service centers nationwide?!
Just look for the swirl, or log on to www.
cuservicecenter.com to find a location
near you.
E
veryone can use some extra cash to pay for tuition, home improvements, vacation, bills, or to have some extra
money for those unexpected expenses. That’s why GCU will again provide the Skip-A-Payment* program to our
members. All loan payments (except mortgages, home equities, delinquent or single payment loans) will be skipped in
August 2012 unless you advise us not to skip your payment(s).
If your payment is made by payroll deduction or direct deposit, your loan payment funds will remain in your account.
Also, you can choose to skip another payment any time (qualifying accounts only). The fee for this additional skip
is $25. If you have any questions or do not want to participate in the Skip-A-Payment program, please call us at
260.471.5544.
Need A Little
Extra Cash?
Skip A Payment!
*Some restrictions will apply. Mortgage loans, Home Equity loans, delinquent loans, single payment loans do not qualify for this program. Eligibility for
Skip-A-Payment will be determined on July 27, 2012. If you opted out of this program last year, you will automatically be opted out this year. Please notify
us if you prefer to participate in the Skip-A-Payment program this year. Interest at the contractual rate will continue to accrue on the unpaid balance of your
loan. The deferred payment will be added to the end of your loan; which will extend the length of the loan. Payments received from another financial
institution will be deposited into your GCU deposit account.
talk about
talk about
savings.
savings.
www.lovemycreditunion.org
say hello to the
say
hello
to the
Sprint
Credit
Sprint
Union Credit
Member
Union
Member
Discount.
Discount.
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GENERAL CREDIT UNION ANNUAL
PRIVACY DISCLOSURE
General Credit Union, your member owned financial
institution, is committed to providing you with competitive
products and services to meet your financial needs and help
you reach your goals. We are equally committed to
protecting the privacy of our members. Under federal law, we
are required to give you this privacy notice. It describes our
credit union’s privacy policy and practices concerning the
personal information we collect and disclose about our
members.
It also includes information about the parties who receive
personal and sometimes nonpublic information from us as we
conduct the business of the credit union. If after reading this
notice you have questions, please contact us at:
(260) 471-5544 or toll free at 1-800-889-5554. Or write to:
Regulatory Manager, General Credit Union, 6601 Mutual
Drive, Fort Wayne, IN 46825.
Information we collect about you: We collect nonpublic
personal information about you from the following sources:
Information we receive from your applications and other
forms, information about your transactions with us,
information we receive from a consumer reporting agency.
We may disclose all of the information we collect, as
described above, as permitted by law.
Parties who receive information from us: We may disclose
nonpublic personal information about you to the
following types of third parties: Financial service providers
such as insurance companies, nonfinancial companies such as
consumer reporting agencies, data processors, check/share
draft printers, financial statement publishers, plastic card
processors, and government agencies.
Disclosure of information to parties that provide services to
us: In order for us to conduct the business of the credit union,
we may disclose all of the information we collect, as described
above, to companies that perform other services on our
behalf so that we may provide members competitive
products and services. We may also disclose nonpublic
personal information about you under circumstances as
permitted or required by law. These disclosures typically
include information to process transactions on your
behalf, conduct the operations of our credit union, follow your
instructions as you authorize, or protect the security of our
financial records.
To protect our members’ privacy, we only work with
companies that agree to maintain strong confidentiality
protections and limit the use of information we provide. We
do not permit these companies to sell the information we
provide to other third parties.
How to opt out or stop certain disclosures about you: If you
prefer that we do not disclose nonpublic personal information
about you to nonaffiliated third parties, you may opt out of
those disclosures -- you may direct us not to make those
disclosures (other than disclosures permitted by law). If you
wish to opt out of the disclosures to nonaffiliated third
parties, you may call 1-800-889-5554 or write to:
Regulatory Manager, General Credit Union, 6601 Mutual
Drive, Fort Wayne, IN 46825.
You may opt out of these disclosures at any time. This opt out,
by law, will not apply to disclosures that are legally permitted
or disclosures we make to companies that perform services
on our behalf or to other financial institutions that have joint
marketing agreements with us.
Once we receive your request, we have a reasonable amount
of time to stop the disclosures. You may always contact us for
assistance if you wish to later revoke your opt out election.
Note to joint account holders: If you or someone else (or
others) who is/are not member(s) of our credit union has/
have obtained a financial product from us, the nonmember(s)
is/are eligible to exercise the right to opt out. If anyone of you
exercise the right to opt out, we will treat it as if all of you
directed us to not make disclosures to nonaffiliated third
parties (except those that are permitted by law.
Disclosure of information about former members: If you
terminate your membership with GCU, we will not share
information we have collected about you, except as permitted
or required by law.
How we protect your information: We restrict access to
nonpublic personal information about you to those
employees who need to know that information to provide
products or services to you. We maintain physical, electronic
or procedural safeguards that comply with federal regulations
to guard your nonpublic personal information.
What members can do to help: GCU is committed to
protecting the privacy of its members. Members can help by
following these simple guidelines. 1. Protect your account
numbers, plastic card numbers, PINs or passwords. Never
keep your PIN with your card, which can provide free access
to your accounts if your card is lost or stolen. 2. Use caution
when disclosing your account numbers, social security
numbers, etc. to other persons. If someone calls you
explaining the call is on behalf of the credit union and asks
for your account number, you should beware. Official credit
union staff will have access to your information and will not
need to ask for it. 3. Keep your information with us current. If
your address or phone number changes, please let us know.
It is important that we have current information on how to
reach you. If we detect potentially fraudulent or unauthorized
activity or use of an account, we will attempt to contact you
immediately. 4. Let us know if you have questions. Please do
not hesitate to call us -- we are here to serve you!
More Summer Fun with Discounted Park Tickets
Kings Island
$30.00 Adult
$26.00 Jr/Sr
(ages 3 & up; under 48” or 62yrs old & up)
Cedar Point
$40.00 Adult
$21.00 Jr/Sr
(ages 3 & up; under 48” or 62yrs old & up)
Holiday World & Splashin’ Safari
$37.50 Adult
$32.50 Jr/Sr
(under 54” or 60yrs old & up)
Indiana Beach
$26.00
Need a New Car? Your Credit Union Membership Gives You Three Great Ways To Save!
General Credit Union has three ways for our members to save on a new vehicle purchase.
General Motors is offering all current and eligible credit union members preferred pricing on most new GM
vehicles. This is in addition to the most current incentives and special offers! Depending on the vehicle, you
could save hundreds, even thousands of dollars on your next new Chevrolet, Buick, or GMC vehicle purchase
just for being a credit union member. Visit LoveMyCreditUnion.org to see how much you can save and
request your GM Authorization Number.
General Credit Union members can save big with great rates as low as 2.39% APR (one of the lowest in town) when you finance your new vehicle through us. Contact us at 260.471.5544 x 5 or email us at
[email protected] directly to find out more about your vehicle financing options.
You’ll also save on fuel costs with GM’s high-fuel efficiency vehicles. Start saving today!
GM offers high-fuel efficient products in most high-volume vehicle segments, and more are coming to the market each year. (All fuel
economy ratings below are EPA Estimates) The new Chevrolet Cruze Eco, with it’s 42 mpg EPA highway estimate, offers the best highway
fuel economy of any gasoline engine (non-hybrid) car in America. The Chevy Equinox and GMC Terrain crossovers offer space for the family
and a 32 mpg highway estimate. Chevrolet Malibu has EPA mileage estimates of 22 mpg city, 33 mpg highway, and
can travel nearly 500 highway miles on a tank of fuel. Chevy Silverado and GMC Sierra offer the best highway fuel
economy estimates of any V8 pickups (22 mpg), and offer hybrid models for the ultimate in full-size truck fuel
efficiency (20 mpg city, 23 mpg highway).
Providing Ft. Wayne’s best loan rates since 1960