2Q Spring - TMH Federal Credit Union

QUARTERLY
DIVIDEND
THE NEWSLETTER OF
TMH FEDERAL CREDIT UNION
Work in healthcare? You can join!
Autowise Buying
Service
TMH FCU is happy to announce that Autowise
Buying Service will have a satellite office located at
the Main Office on Magnolia Drive. The satellite
office will be open during regular Main Office
business hours and Autowise will have a
selection of vehicles onsite.
To kick off the new collaboration, TMH FCU
and Autowise are hosting the Spring Fling Car
Sale Thursday, April 7 through Saturday,
April 9 from 9:00am to 6:00pm. The event
will be held at the Main Office, located at
345 S. Magnolia Drive. Complimentary
hotdogs, chips and drinks will be
served and Tallahassee’s Country
94.9 TNT will be onsite Saturday
morning playing great country
music while members browse
the lot of quality pre-owned
vehicles! Put April 7 – 9 on
your calendar and stop by YOUR Healthcare Credit Union Spring Fling Car Sale!
Mark Your Calendar - APRIL 14, 2016
Join us for our 54th Annual Meeting on Thursday,
ALL
MEMBERS
ARE INVITED
and
ENCOURAGED
TO ATTEND
April 14 at the Goodwood Carriage House located
at 1600 Miccosukee Road, Tallahassee. The meeting
will begin promptly at 6:00pm with information
on the financial soundness of the Credit
Union and upcoming events. Following the
annual meeting the credit union will
serve refreshments and door
prizes will be awarded, so be
sure to join us for your chance
to win!
This year’s top door prize items include a
43 inch flat screen smart TV,
iPad Mini, and Kindle Fire!
VOLUME 21
ISSUE 2
SPRING 2016
INSIDE
Privacy Policy 2
Shared Service: New look, same great benefit 2
Love Your Savings 3
Chip Cards Help Cut Fraud 3
Sprint Credit Union Member Discount 3
Help Us Celebrate Youth Month! 3
2015 Giant Stocking Winners 4
Financial Literacy Officer Available for YOU! 4
Important Announcements 4
Holiday Closings 4
Improving the financial life of each member is our priority and our pleasure.
12456-News-0316
Privacy Policy
Rev. 4/2015
WHAT DOES TMH FEDERAL CREDIT UNION DO WITH YOUR
PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information.
Federal law gives consumers the right to limit some but not all sharing. Federal
law also requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the
product or service you have with us. This information can include:
• Social Security Number and Name
• Account Balances and Payment History
• Creditworthiness and Credit History
When you are no longer our member, we continue to share information about you
according to our policies.
How? All financial companies need to share members’ personal information
to run their everyday business. In the section below, we list the reasons financial
companies can share their members’ personal information; the reasons TMH
Federal Credit Union chooses to share; and whether you can limit this sharing.
Reason we can share your personal
information
Does TMH
FCU Share
Can you limit
this sharing
For our everyday business purposes - such as
to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus
YES
NO
For our marketing purposes - to offer our
products and services to you
YES
NO
For joint marketing with other financial companies
YES
YES
For our affiliates’ everyday business purposes information about your transactions and experiences
NO
We Don’t Share
For our affiliates’ everyday business purposes information about your creditworthiness
NO
We Don’t Share
For our affiliates’ to market to you
NO
We Don’t Share
For non affiliates’ to market to you
NO
We Don’t Share
Questions? Call 850-402-5301 or go to www.tmhfcu.org
How does TMH FCU protect my personal information?
To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
How does TMH FCU collect my personal information?
We collect your personal information, for example, when you
• open an account or deposit money
• pay your bills or apply for a loan
• use your credit or debit card
We also collect your personal information from other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purpose – information about your
creditworthiness.
• affiliates from using your information to market to you.
• sharing for non affiliated to market to you.
State laws and individual companies may give you additional rights to limit sharing.
DEFINITIONS:
Affiliates
Non Affiliates
Joint Marketing
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
TMHFCUhasnoaffiliates.
Companies not related by common ownership or control.
They can be financial and nonfinancial companies.
TMHFCUdoesnotsharewithnonaffiliatessotheycan
markettoyou.
A formal agreement between non affiliated financial companies
that together market financial products or services to you.
Our joint marketing partners include:
CUNA Mutual Group’s Tru Stage
Other important information: For helpful information about identity theft, visit
the Federal Trade Commission’s website at http://www.ftc.gov/idtheft.
To Limit Our Sharing: Call 850.402.5301 or visit a branch location.
Please note: If you are a new member, we can begin sharing your information
30 days from the date we sent this notice. When you are no longer our member, we
continue to share your information as described in this notice. However, you can
contact us at any time to limit our sharing.
PAGE 2
Shared Service: New look,
same great benefit
TMH FCU is a member of the
CO-OP Shared Branch. The
Credit Union’s membership allows
member access to many
additional locations in Tallahassee,
plus more than 250 Service
Centers in Florida and more
than 5,000 nationwide. To use
Shared Service you will need a
government issued ID and account
number. To find the closest Shared Service location visit our
website or call 1-800-SITE-CO-OP (888-748-3266).
To find a location by telephone.
Local Shared Service Locations: As of 4/1/16
Campus USA CU
1511 Killearn Center Blvd.
Tallahassee, FL 32309
(800) 367-6440
Florida State University CU
2806 Sharer Rd.
Tallahassee, FL 32312
(850) 224-4960
First Florida CU
1661 Raymond Diehl Rd.
Tallahassee, FL 32308
(850) 922-7855
Florida State University CU
6267 Old Water Oak Rd.
Tallahassee, FL 32312
(850) 224-4960
First Florida CU
2521 S. Blair Stone Rd.
Tallahassee, FL 32301
(850) 414-7290
Florida State University CU
1412 W Tennessee St.
Tallahassee, FL 32304
(850) 224-4960
First Florida CU
2928 Apalachee Parkway
Tallahassee, FL 32301
(850) 488-2880
Florida State University CU
1612 Capital Circle NE
Tallahassee, FL 32308
(850) 224-4960
First Florida CU
325 W Gaines St Ste 148
Tallahassee, FL 32399
FOCUS CU
303 E Washington St.
Chattahoochee, FL 32324
(850) 663-2404
First Florida CU
2770 Capital Circle SE
Tallahassee, FL 32311
First Florida
2711 S Blair Stone Rd
Tallahassee, FL 32301
Flag CU
3115 Conner Blvd.
Tallahassee, FL 32311
(850) 488-6781
Florida State University CU
834-1 W St. Augustine St.
Tallahassee, FL 32304
(850) 224-4960
Tallahassee - Leon FCU
1827 Capital Circle NE
Tallahassee, FL 32308
(850) 876-4368
Tallahassee - Leon FCU
2020 W Pensacola St.
Suite 180
Tallahassee, FL 32304
(850) 876-4368
Tallahassee - Leon FCU
2655-C Crawfordville Hwy.
Tallahassee, FL 32327
(850) 576-8134
Love your savings.
Everyone is looking for ways to save money, and that’s just what Love My Credit Union
Rewards is all about.
TMH Federal Credit Union is excited to offer you exclusive discounts and benefits on
products and services you use every day. Credit union members have already saved over
$1.4 billion with Love My Credit Union Rewards discounts. So along with lower loan
rates and fewer fees, here’s another way you can save even more.
♥ Receive a 10% discount (business members a 15% discount) on select regularly
priced Sprint monthly data service. Plus, waived activation fee on new lines and
upgrade fees ($36 savings each)
♥ Get safety and security of roadside assistance and more for less than $1 per week*
with CU Road Pal.
♥ Save up to $15 on TurboTax Federal tax products
♥ Save on services for your home from ADT, DIRECTV, Allied, and more
♥ Earn cash back when you shop at over 1,500 online retailers with Love to Shop
The more offers you take advantage of, the more you save. Start saving today at
LoveMyCreditUnion.org.
*Based on individual roadside assistance plan
Help Us Celebrate
Youth Month!
Visit TMH Federal Credit Union during the month of April and help us celebrate
National Credit Union Youth Month™.YOUR Healthcare Credit Union will
show youth and teens how to be strong about saving at the credit union.
So stop by and get in on the action:
• From April 1 – 30 if you open a new First Mates Kid’s Club or Claim Your
Youth Teen Club/Checking Account; TMH FCU will match the first
deposit up to $25*.
• Now Claim Your Youth Teen Checking accounts come with a
debit card** option.
• During the month of April, current and new First Mates Kid’s Club Members
can come in and register to win a Fire HD Kids Edition***!
• During the month of April, current and new Claim Your Youth Teen Account
Members can come in and register to win an iPod Nano***!
A friendly reminder, TMH Federal Credit Union’s membership is open to all
members of your family. For more information, contact TMH Federal Credit
Union at 850-402-5301.
(*Only initial deposit will be matched up to $25. ** - Debit card must be authorized by joint adult account holder. *** - Drawings
to be held after close of business 4/30/16, odds of winning depend on number of eligible entries received, value of deposit into
CU Succeed Teen Account/ First Mates Club does not increase chance of winning. Entry window begins open of business 04/1/16
and ends close of business 04/30/16. Both Claim Your Youth Club and Checking account members are eligible for drawing.)
Chip Cards Help
Cut Fraud
TMH Federal Credit Union members will soon
be able to use their debit cards in stores with
an additional layer of protection against fraud
in the form of a small microchip embedded in
their card. Due to significant increases in fraud,
YOUR Healthcare Credit Union is upgrading its
debit card security systems in an effort to fight
skyrocketing fraud costs. While federal regulations
already protect our members from liability for
most fraudulent transactions, the process is
frustrating and concerning.
That’s why TMH FCU is making the switch to
EMV (Europay, MasterCard, and Visa) cards, which
contain computer chips that authorize or validate
payment-card transactions. The United States
is the last developed country in the world to
convert.
Here’s how the change will affect you:
n You’ll receive an EMV card: This will happen
when your current card expires.
n The transaction process will be slightly different.
You’ll insert your EMV card in a POS (point-ofsale) terminal, wait for it to be authorized, and
remove it.You’ll either sign a sales draft or key
in your PIN to complete the transaction.
n It’s possible that some merchants and card
issuers may choose not to convert and will
continue to use mag stripe technology for a
while.Your card will still work at the point of
sale and will continue to be protected from
fraud liability.
The Credit Union is in the final stages of testing
and will soon be issuing these new cards. If you
have questions about EMV cards and how they
will affect you, contact us at 850.402.5301.
PAGE 3
HOLIDAY CLOSINGS
TMH FEDERAL CREDIT
UNION LEADERSHIP
The Credit Union will close on the following days, with The 24 Hour
Money Centers, PEARL,Virtual Branch and Mobile Money remaining
available to serve members:
IMPORTANT
ANNOUNCEMENTS
Memorial Day – Monday, May 30, 2016
Report Card Rewards
We will reopen our Main Office and Northeast Branch the next
business day at 9:00am and our Hospital Branch the next business
day at 8:30am for regular business hours.
2015 Giant Christmas Stocking Winners
First Mates Kid’s Club and CU Succeed
Teen Account members get rewarded for
your good grades! Bring in a current
report card to a branch location and you
can earn up to $5.00 for good grades
every 9 weeks!
Silver Select Draft Accounts
Are you age 55 or older? Don’t miss out
of these benefits! Our Silver Select Draft
Account offers 1/2% discount on loans*
(excluding mortgages and Visa),
Gold VISA® with no annual fee at
7.99% APR
TMH Federal Credit Union decked the halls this past holiday season
with a Giant Christmas Stocking at ALL three locations. Linda
Clark was our Main Office winner, Cheryl Siegel was the NE
Branch winner and Robbie King was the Hospital Branch winner.
Congratulations to all of our winners of the giant 8 foot stocking!
Financial Literacy Officer Available for YOU!
Need to review your credit? Would like help building
a budget? Make an appointment today to review
your credit report with Susan Smiroldo our
Financial Literacy Officer. Susan has over a decade of
experience in financial services. Her office is located
at the Main Office, 345 S. Magnolia Drive.
Call 850.402.5301 ext. 107 or email
[email protected] to schedule a free counseling appointment
with Susan and start getting the best rate on your loans!
CELEBRATE
GREAT RATES
DURING
YOUR
BIRTHDAY
MONTH
Rates During Your Birthday Month!
YOU are dedicated toGREAT
improving
our lives.
1% discount on posted consumer loan* rates
We are dedicated to improving YOURS.
During your birthday month, we would like to
offer you a one percent discount on posted
consumer loan* rates!
*Normal credit qualifications apply. Mortgage loans not included.
*Normal credit qualifications apply. Mortgage and VISA® loans not included.
The lowest auto loan rate is 1.49% APR.
PAGE 4
for approved
applicants, no fee cashiers checks, no
fee money orders and no fee telephone
transactions just to name a few benefits!
Contact our Member Services team today
and upgrade your checking to our best
draft account available.
*APR – Annual Percentage Rates.
National Medical Laboratory
Professionals Week April 20-26
YOUR Healthcare Credit Union would like
to acknowledge the 300,000 laboratory
professionals around the country who
perform and interpret more than 10 billion
laboratory tests in the US every year. The
theme for National Medical Laboratory
Professionals Week 2016, also known as
Lab Week, is “Not all super heroes wear
capes, some wear lab coats” To show
our appreciation during Lab Week, April
20-26, TMH Federal Credit Union will be
giving away pens to SUPER laboratory
professionals while supplies last.
National Nurses Week May 6-12
TMH Federal Credit Union is joining
the American Nurses Association in
celebrating Nurses Leading the Way, as
part of National Nurses Week, which is
held May 6-12, every year. Nurse lead
the way for their patients, colleagues,
organizations, and the health care industry
as a whole. To show our appreciation
during Nurses Week, May 6-12,YOUR
Healthcare Credit Union will be giving
away pens to nurses while supplies last.
National Hospital Week May 8-14
Please join us in celebrating National
Hospital Week. TMH Federal Credit Union
would like to take the week of May 8-14
to recognize our members working in a
hospital. To show our appreciation during
Hospital Week,YOUR Healthcare Credit
Union will be giving away pens to hospital
employees while supplies last. Please stop
by any branch location to receive a small
token of application.
BOARD OF DIRECTORS
Joseph Conklin, Chairperson
Berinice Mercer-Lewis, Vice Chairperson
Glenn Strickland, Recording Officer
Paul Lucas, Financial Officer
Al Parker, Director at Large
Jamie Sheffield, Director at Large
Kelby Tardi, CPA, Director at Large
SUPERVISORY COMMITTEE
Jamie Sheffield, Chairperson
Vickie Woodell, Committee Member
Summer Herrell, Committee Member
ADMINISTRATION
Timothy L. Cook, President
Grace H. Chambers, VP Member Services
Maria B. Legate, VP Administration
Brooke L. Bailey, VP Finance
Liz B. Thiele, VP Marketing
LOCATIONS/ HOURS
Main Office and Drive Thru
345 S. Magnolia Drive
Tallahassee, FL 32301
Monday - Friday - 9:00am - 5:00pm
Northeast Branch Office
3515 Maclay Boulevard South
Tallahassee, FL 32312
Monday - Friday - 9:00am - 5:00pm
Saturday - 9:00am 1:00pm
TMH Branch Office
1300 Miccosukee Rd.
Tallahassee, FL 32308
Monday - Friday - 8:30am - 4:00pm
TMH Paydays 7:30am - 4:30pm
Telephone Numbers
Main Office: (850) 402-5301
Pearl: 1-800-259-0762
Fax (850) 402-5334
Web Address – www.tmhfcu.org
The 24 Hour Money Centers (ATM’s)
Located at the Main Office and
Hospital Branch
Nationwide Shared CU Service Centers
– check the ATM/Shared location link
@ www.tmhfcu.org for locations and
hours of a service center near you.
Convenient Electronic
Services 24/7
P.E.A.R.L.- audio account access from
anywhere, 1.800.259.0762
On-Line – www.tmhfcu.org
• Current News and Events
• Loan Applications and Forms
• Protect Yourself –
Fraud and Identity Theft Tips
• Rates – Current Loan and Share Rates
Virtual Branch – Home banking, bill
pay solutions and Popmoney®
E-Statements – GO Green!
Mobile Money – Cell phone account access
P..E.T.E. – Payment Easily Transfered
Electronically
Facebook Page –
Keep in Touch with YOUR
Healthcare Credit Union