2014 Spring Newsletter - Wepawaug Flagg Federal Credit Union

This spring, give your
wallet a break.
Get rates at 1.99% APR!
1
And, we’ll offer you Kelley Blue Book Trade-In Value for your vehicle!
®
2
Upon used vehicle purchase from Enterprise Car Sales.
Spring 2014
April 1 - 30, 2014
Call 203-288-1695 to get pre-approved by your credit union today!
Preview our great selection of quality used vehicles at enterprisecarsales.com/cuautorates or call 1-866 227-7253 for the location near you.
APR=Annual Percentage Rate. Rates effective immediately. This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. 100% Financing
available including Tax, Title and License. Financing for qualified Wepawaug-Flagg Federal Credit Union members. Not all buyers will qualify. Offer valid only on Enterprise
Car Sales vehicles. Offer is available 4/1/14 – 4/30/14 and is subject to change at any time without notice. Example monthly payment = $17.53 per $1,000 borrowed for 60
months at 1.99%. Offer cannot be combined with Flaggship Plus discounts. Promotion is valid on new money only. The terms and conditions of pre-approval are subject
to verification before closing. Vendor’s single interest insurance is required by us for all motor vehicle loans. This coverage protects only the interests of Wepawaug-Flagg
FCU. You may obtain this insurance through anyone you choose, or you may obtain this insurance from us at the cost of $27. Kelley Blue Book Trade-In Values used
by Enterprise are obtained from © 2014 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage
of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation
adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book
Trade-In value is not available for customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Customer is responsible to any extent
vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Restrictions
apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited. Wepawaug-Flagg is federally insured by the NCUA. Used vehicles were previously
part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental,
lease or other. The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property
of their respective owners. © 2014 Enterprise Car Sales. E04663 EW HA VER 1 2/13 DB
1
1
APR=Annual Percentage Rate. Rates effective immediately. This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. 100% Financing available including Tax, Title and License. Financing for qualified Wepawaug-Flagg Federal Credit Union members. Not all buyers will qualify. Offer valid only on Enterprise Car Sales
vehicles. Offer is available 4/1/14 – 4/30/14 and is subject to change at any time without notice. Example monthly payment = $17.53 per $1,000 borrowed for 60 months at 1.99%. Offer cannot be combined with Flaggship Plus discounts. Promotion is valid on new money only. The terms and conditions of pre-approval are subject to verification
before closing. Vendor’s single interest insurance is required by us for all motor vehicle loans. This coverage protects only the interests of Wepawaug-Flagg FCU. You may obtain this insurance through anyone you choose, or you may obtain this insurance from us at the cost of $27. 2Kelley Blue Book Trade-In Values used by Enterprise are obtained
from © 2014 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate
to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide
required proof of ownership/registration and all other necessary paperwork to transfer title. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited. Wepawaug-Flagg is federally insured by the NCUA. Used vehicles were previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise
from other sources including auto auctions, with previous use possibly short-term rental, lease or other. The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2014 Enterprise Car Sales. E04663 EW HA VER 1 2/13 DB
2
HOLIDAY CLOSINGS
Easter Weekend
April 18-19
Memorial Day
Monday, May 26
Independence Day
Friday, July 4
WEPAWAUG-FLAGG FEDERAL CREDIT UNION ATM LOCATIONS
WFFCU is part of the SUM® and CO-OP® Networks, where our
members have access to more than 30,000 surcharge-free ATMs
nationwide. A complete list of ATMs can be found on our website–
www.WFFCU.org. iPhone® users can download the CO-OP ATM
locator application from iTunes®.
HAMDEN
Main Office
105 Sanford St
Hamden, CT 06514
Town Hall
2750 Dixwell Ave
Hamden, CT 06514
Police Department
2900 Dixwell Ave
Hamden, CT 06514
Dunn’s Pub
2315 Whitney Ave
Hamden, CT 06514
McDonald’s
2320 Dixwell Ave
Hamden, CT 06514
McDonald’s
1260 Dixwell Ave
Hamden, CT 06514
NEW HAVEN
McDonald’s
250 Whalley Ave
New Haven, CT 06511
NORTH HAVEN
McDonald’s
365 Universal Dr
North Haven, CT 06473
ORANGE
McDonald’s
57 Boston Post Rd
Orange, CT 06477
SOUTHERN CONNECTICUT STATE UNIVERSITY
Schwartz Hall
Engleman Hall
230 Fitch St
112 Wintergreen Ave
New Haven, CT 06515
New Haven, CT 06515
Wilkinson Hall
158 Wintergreen Ave
New Haven, CT 06515
North Campus Residence
180 Pine Rock Ave
Hamden, CT 06514
West Campus
160 Wintergreen Ave
New Haven, CT 06515
Davis Hall
501 Crescent St
New Haven, CT 06515
Wintergreen Building
112 Wintergreen Ave
New Haven, CT 06515
Michael Adanti
Student Center
501 Crescent St
New Haven, CT 06515
Brownell Hall
114 Farnham Ave
New Haven, CT 06515
MAIN OFFICE
105 Sanford St
Hamden, CT 06514
(203) 288-1695 Tel
(203) 230-9435 Fax
(203) 288-3917 Loan Dept Fax
Hours:
Monday-Wednesday
7:00 am - 4:00 pm
Thursday-Friday
7:00 am - 5:00 pm
Saturday
9:00 am - 12:00 pm
NEW HAVEN OFFICE
200 Orange St
New Haven, CT 06510
(203) 946-8700 Tel
(203) 946-8702 Fax
Hours:
Monday-Wednesday, Friday
9:00 am - 4:00 pm
Thursday
10:00 am - 4:00 pm
SCSU OFFICE
Michael Adanti Student Center
501 Crescent St
New Haven, CT 06515-1330
(203) 392-9900 Tel
Hours:
Monday-Friday
9:00 am - 3:00 pm*
www.wffcu.org
TouchTone Teller (203) 281-5059
VISA® Credit Card
After Hours (800) 433-0505
MasterMoney Debit and ATM Card
After Hours (800) 754-4128
*Hours vary based on the school’s
academic calendar.
Celebrate Springtime
Message from the President
Dear Member:
Annual Meeting Notice
Wepawaug-Flagg will hold its 78th
annual meeting at the Country House
Restaurant in East Haven at 5:30 p.m.
on Wednesday, April 23. At the annual
meeting, there will be an election of
board members.
In accordance with the bylaws of the
credit union, the nominating committee
has presented the following slate of
nominees for three-year terms: 1) La
Donna Blow 2) James Finch 3) Janet
Sola.
La Donna Blow has served on the board
since 2010 and is currently the payroll
supervisor for the Cheshire Board of
Education employees. Jim Finch has
served multiple terms on the board
and is currently the head of the finance
department for the town of Branford.
Janet Sola is completing her first term
on the board and is a retired teacher.
No petitions for the board were received
by the March 14 deadline and there will
be no nominations from the floor. The
election will not be held by ballot.
All members are welcome to attend
the annual meeting and the cost to
attend is $35 per person. Visit any of
our branches or call (203) 288-1695
to reserve your spot and request your
dinner choice.
We hope to see you there!
Each season brings changes. This spring is no different. At home it’s
time to get the lawnmower out and ready to go. At the credit union it is
technology that drives much of the change. We are not big enough to
be the leader in many of the new technologies, but we need to quickly
follow when something catches on. Most of us write fewer checks than
five or ten years ago. Many people carry little or no cash and use a
debit card for small and sometimes large transactions. Some members
welcome change, others prefer the status quo. This year we will introduce
electronic delivery of statements as an option for our members. We will
have a mobile banking application for smart phones this year. The biggest
addition we will have is the ability to electronically sign most documents
which will permit closing of loans and opening accounts without
coming into a branch. Imagine getting an email with a link to a secure
website, reviewing the documents at your convenience, electronically
signing them and the loan proceeds are then deposited into your
share account. Technology makes this possible. We just introduced a
Secured Credit Card for those working to build or rebuild their credit.
Change is constant but one of the best parts of this credit union is
that we look willingly and confidently toward the future while remaining
solidly grounded in our heritage of providing great service to all.
On behalf of your directors, I want to invite you to attend the annual
meeting of the Credit Union which will be held on April 23rd. It is a
time for our long-term members and new members to meet and hear
about what is going on at their credit union. Please see the
annual meeting notice, (left), for more details.
Sincerely,
President
COMMUNITY OUTREACH
Scholarship Applicants
Wanted
Wepawaug-Flagg Donates Money to Support Bear Path School
When it comes to paying for higher
education, every little bit helps. Let
your credit union help you!
Students looking to help defray
the cost of higher education
are encouraged to apply for
our scholarships. Every year,
Wepawaug-Flagg awards a total
of $6,000 to five recipients.
The Dennis Banks Memorial
Scholarship is open to all high school
seniors who will be a full-time, degree
seeking student enrolled at a U.S.
accredited college or university
or a current college freshman,
sophomore or junior who is seeking
a degree in business (accounting,
finance, marketing etc.) or a degree
in education. The winner of that
scholarship will receive $2,000.
The general scholarship award is open
to all high school seniors who will be
a full-time, degree seeking student
enrolled at a U.S. accredited college
or university or a current college
freshman, sophomore or junior.
Applicants must either be a member
or have at least one parent who is a
member.
For a complete list of requirements,
visit our website at www.wffcu.org
or contact David Hinchey, Marketing
Manager, at 203-288-1695.
Download our application online at
www.wffcu.org or visit your local
branch and pick up a paper copy.
PRODUCTS AND SERVICES
HAMDEN — Wepawaug-Flagg donated $150 to help support
Bear Path School’s PTA as part of the schools second annual
“Pasta Sauce Off” event.
Wepawaug-Flagg
Federal Credit Union’s
Marketing Manager
David Hinchey (right)
presents a giant check
to Christina Sagnella
(left), Sauce Off
Committee Chairman,
in support of Bear Path
PTA. The event served
as a fundraiser to raise
money for field trips,
enrichment programs
and to purchase
classroom supplies for
Bear Path Elementary
School students.
The event, held at the end of January, served as a fundraiser
to raise money for field trips, enrichment programs and to
purchase classroom supplies for Bear Path Elementary School students.
“Our core values include community service and giving back to the communities we
serve,” said David Hinchey, WFFCU’s marketing manager. “The money donated goes to
support a great school and a great cause.”
The event was held at the Elks Lodge in Hamden and was attended by numerous
Hamden-area families. Hinchey was one of several judges who helped judge which
local restaurant had the best red sauce/Sunday gravy.
“It was a lot of fun judging,” Hinchey said. “I was flattered they asked me to be a
celebrity judge!”
The celebrity judges were asked to pick the best one out of nine sauces, which were
donated by local restaurants, while those who attended voted on which family sauce
entries were the best.
Hinchey said all the sauces were really good but the winner—Everyday Gourmet in
Hamden—was the best, while sauce from Luce in Hamden was the runner-up. The
celebrity judges were chosen because of their significance and commitment to the
Hamden Community.
Refinance Your Mortgage
with No Closing Costs!*
Special Rate for 10-year first mortgage loan**
3.75%
APR***
• Reduce your current mortgage rate and term–at no cost to you!
• Take additional cash for any reason (pay off a second mortgage or other debt).
• We will not sell your mortgage to anyone.
• No mortgage on your home? Borrow $25,000 or more for any purpose.
• Minimum loan is $25,000.
• Maximum loan to value is 80%.
Questions? Want a payment quote?
Call us at (203) 288-1695 and ask to speak
to a loan department representative!
*Closing costs must be reimbursed only if mortgage is paid in full within two years.
**Not for home purchase.
***APR=Annual Percentage Rate. Cannot be used to refinance an existing WFFCU mortgage loan unless taking $25,000 in “new money.” WFFCU does not escrow for taxes and/or insurance.
On a $25,000 loan at 3.75% for 10 years, the approximate monthly payment is $250.15. To estimate a monthly payment, use $10.00 per $1,000 borrowed. Rate effective April 1, 2014,
and is subject to change without notice.
Car Loans
Max Term
New Car
Used Car
(1-5 years)
Used Car
(6-8 years)
Used Car
(9-10 years)
APR*
up to 60 months
3.25%
60 months
3.50%
48 months
8.09%
36 months
8.39%
*APR=Annual Percentage Rate. Rates effective as of 4/1/14. Rates are subject to change without notice. Example monthly payment=$18.08 per $1,000 borrowed for 60 months at 3.25%. Offer cannot be combined with Flaggship Plus discounts. Promotion is valid on new money only. (Existing WFFCU loans are exempt from this offer.)
Wepawaug-Flagg Supports Ansonia Public Schools
Update Your Contact Information Electronically
Wepawaug-Flagg’s Marketing Manager
David Hinchey spent the morning on
March 7th reading to second grade
students at John C. Mead School for
Mead School Loves to Read Day.
When you sign-in to our online banking, you can now update your contact information.
Having an updated cell phone, physical address and e-mail address is extremely
important to us. If there’s an issue or problem with your account (a fraudulent
purchase or a compromised card) we need to be able to reach you. We can’t notify
you of a problem if we can’t reach you. Update your information today!
“It’s a lot of fun to be able to read to
children and give back to the surrounding
community,” Hinchey said. “Community
service is one of our core values.”
The credit union also donated funds to the
Ansonia Gridiron Club to help offset the
cost of their football championship rings.
Last December, the Chargers won their
third consecutive state championship—
19th in school history—by defeating
Woodland 51-12.
Need an ATM?
Snap this code with your mobile device for a complete listing of
our ATM locations. iPhone® users can download the CO-OP ATM
locator application from iTunes®.
Wepawaug-Flagg’s Secured VISA Credit Card
Wepawaug-Flagg is now offering a secured credit card to assist members in need of
rebuilding their credit history. Here’s how it works: You put down a deposit as collateral and
then use the card like any other credit card. You build your credit history by making on-time
payments and paying the balance off in full at least once every three to four months.
Call our main office at (203) 288-1695 or stop by your local branch for more information.
VISA® Secured Card 15.90% APR*
*Rate shown as of 4/1/2014 and is subject to change at any time without notice.
COMMUNITY OUTREACH
Scholarship Applicants
Wanted
Wepawaug-Flagg Donates Money to Support Bear Path School
When it comes to paying for higher
education, every little bit helps. Let
your credit union help you!
Students looking to help defray
the cost of higher education
are encouraged to apply for
our scholarships. Every year,
Wepawaug-Flagg awards a total
of $6,000 to five recipients.
The Dennis Banks Memorial
Scholarship is open to all high school
seniors who will be a full-time, degree
seeking student enrolled at a U.S.
accredited college or university
or a current college freshman,
sophomore or junior who is seeking
a degree in business (accounting,
finance, marketing etc.) or a degree
in education. The winner of that
scholarship will receive $2,000.
The general scholarship award is open
to all high school seniors who will be
a full-time, degree seeking student
enrolled at a U.S. accredited college
or university or a current college
freshman, sophomore or junior.
Applicants must either be a member
or have at least one parent who is a
member.
For a complete list of requirements,
visit our website at www.wffcu.org
or contact David Hinchey, Marketing
Manager, at 203-288-1695.
Download our application online at
www.wffcu.org or visit your local
branch and pick up a paper copy.
PRODUCTS AND SERVICES
HAMDEN — Wepawaug-Flagg donated $150 to help support
Bear Path School’s PTA as part of the schools second annual
“Pasta Sauce Off” event.
Wepawaug-Flagg
Federal Credit Union’s
Marketing Manager
David Hinchey (right)
presents a giant check
to Christina Sagnella
(left), Sauce Off
Committee Chairman,
in support of Bear Path
PTA. The event served
as a fundraiser to raise
money for field trips,
enrichment programs
and to purchase
classroom supplies for
Bear Path Elementary
School students.
The event, held at the end of January, served as a fundraiser
to raise money for field trips, enrichment programs and to
purchase classroom supplies for Bear Path Elementary School students.
“Our core values include community service and giving back to the communities we
serve,” said David Hinchey, WFFCU’s marketing manager. “The money donated goes to
support a great school and a great cause.”
The event was held at the Elks Lodge in Hamden and was attended by numerous
Hamden-area families. Hinchey was one of several judges who helped judge which
local restaurant had the best red sauce/Sunday gravy.
“It was a lot of fun judging,” Hinchey said. “I was flattered they asked me to be a
celebrity judge!”
The celebrity judges were asked to pick the best one out of nine sauces, which were
donated by local restaurants, while those who attended voted on which family sauce
entries were the best.
Hinchey said all the sauces were really good but the winner—Everyday Gourmet in
Hamden—was the best, while sauce from Luce in Hamden was the runner-up. The
celebrity judges were chosen because of their significance and commitment to the
Hamden Community.
Refinance Your Mortgage
with No Closing Costs!*
Special Rate for 10-year first mortgage loan**
3.75%
APR***
• Reduce your current mortgage rate and term–at no cost to you!
• Take additional cash for any reason (pay off a second mortgage or other debt).
• We will not sell your mortgage to anyone.
• No mortgage on your home? Borrow $25,000 or more for any purpose.
• Minimum loan is $25,000.
• Maximum loan to value is 80%.
Questions? Want a payment quote?
Call us at (203) 288-1695 and ask to speak
to a loan department representative!
*Closing costs must be reimbursed only if mortgage is paid in full within two years.
**Not for home purchase.
***APR=Annual Percentage Rate. Cannot be used to refinance an existing WFFCU mortgage loan unless taking $25,000 in “new money.” WFFCU does not escrow for taxes and/or insurance.
On a $25,000 loan at 3.75% for 10 years, the approximate monthly payment is $250.15. To estimate a monthly payment, use $10.00 per $1,000 borrowed. Rate effective April 1, 2014,
and is subject to change without notice.
Car Loans
Max Term
New Car
Used Car
(1-5 years)
Used Car
(6-8 years)
Used Car
(9-10 years)
APR*
up to 60 months
3.25%
60 months
3.50%
48 months
8.09%
36 months
8.39%
*APR=Annual Percentage Rate. Rates effective as of 4/1/14. Rates are subject to change without notice. Example monthly payment=$18.08 per $1,000 borrowed for 60 months at 3.25%. Offer cannot be combined with Flaggship Plus discounts. Promotion is valid on new money only. (Existing WFFCU loans are exempt from this offer.)
Wepawaug-Flagg Supports Ansonia Public Schools
Update Your Contact Information Electronically
Wepawaug-Flagg’s Marketing Manager
David Hinchey spent the morning on
March 7th reading to second grade
students at John C. Mead School for
Mead School Loves to Read Day.
When you sign-in to our online banking, you can now update your contact information.
Having an updated cell phone, physical address and e-mail address is extremely
important to us. If there’s an issue or problem with your account (a fraudulent
purchase or a compromised card) we need to be able to reach you. We can’t notify
you of a problem if we can’t reach you. Update your information today!
“It’s a lot of fun to be able to read to
children and give back to the surrounding
community,” Hinchey said. “Community
service is one of our core values.”
The credit union also donated funds to the
Ansonia Gridiron Club to help offset the
cost of their football championship rings.
Last December, the Chargers won their
third consecutive state championship—
19th in school history—by defeating
Woodland 51-12.
Need an ATM?
Snap this code with your mobile device for a complete listing of
our ATM locations. iPhone® users can download the CO-OP ATM
locator application from iTunes®.
Wepawaug-Flagg’s Secured VISA Credit Card
Wepawaug-Flagg is now offering a secured credit card to assist members in need of
rebuilding their credit history. Here’s how it works: You put down a deposit as collateral and
then use the card like any other credit card. You build your credit history by making on-time
payments and paying the balance off in full at least once every three to four months.
Call our main office at (203) 288-1695 or stop by your local branch for more information.
VISA® Secured Card 15.90% APR*
*Rate shown as of 4/1/2014 and is subject to change at any time without notice.
This spring, give your
wallet a break.
Get rates at 1.99% APR!
1
And, we’ll offer you Kelley Blue Book Trade-In Value for your vehicle!
®
2
Upon used vehicle purchase from Enterprise Car Sales.
Spring 2014
April 1 - 30, 2014
Call 203-288-1695 to get pre-approved by your credit union today!
Preview our great selection of quality used vehicles at enterprisecarsales.com/cuautorates or call 1-866 227-7253 for the location near you.
APR=Annual Percentage Rate. Rates effective immediately. This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. 100% Financing
available including Tax, Title and License. Financing for qualified Wepawaug-Flagg Federal Credit Union members. Not all buyers will qualify. Offer valid only on Enterprise
Car Sales vehicles. Offer is available 4/1/14 – 4/30/14 and is subject to change at any time without notice. Example monthly payment = $17.53 per $1,000 borrowed for 60
months at 1.99%. Offer cannot be combined with Flaggship Plus discounts. Promotion is valid on new money only. The terms and conditions of pre-approval are subject
to verification before closing. Vendor’s single interest insurance is required by us for all motor vehicle loans. This coverage protects only the interests of Wepawaug-Flagg
FCU. You may obtain this insurance through anyone you choose, or you may obtain this insurance from us at the cost of $27. Kelley Blue Book Trade-In Values used
by Enterprise are obtained from © 2014 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage
of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation
adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book
Trade-In value is not available for customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Customer is responsible to any extent
vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Restrictions
apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited. Wepawaug-Flagg is federally insured by the NCUA. Used vehicles were previously
part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental,
lease or other. The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property
of their respective owners. © 2014 Enterprise Car Sales. E04663 EW HA VER 1 2/13 DB
1
1
APR=Annual Percentage Rate. Rates effective immediately. This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. 100% Financing available including Tax, Title and License. Financing for qualified Wepawaug-Flagg Federal Credit Union members. Not all buyers will qualify. Offer valid only on Enterprise Car Sales
vehicles. Offer is available 4/1/14 – 4/30/14 and is subject to change at any time without notice. Example monthly payment = $17.53 per $1,000 borrowed for 60 months at 1.99%. Offer cannot be combined with Flaggship Plus discounts. Promotion is valid on new money only. The terms and conditions of pre-approval are subject to verification
before closing. Vendor’s single interest insurance is required by us for all motor vehicle loans. This coverage protects only the interests of Wepawaug-Flagg FCU. You may obtain this insurance through anyone you choose, or you may obtain this insurance from us at the cost of $27. 2Kelley Blue Book Trade-In Values used by Enterprise are obtained
from © 2014 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate
to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide
required proof of ownership/registration and all other necessary paperwork to transfer title. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited. Wepawaug-Flagg is federally insured by the NCUA. Used vehicles were previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise
from other sources including auto auctions, with previous use possibly short-term rental, lease or other. The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2014 Enterprise Car Sales. E04663 EW HA VER 1 2/13 DB
2
HOLIDAY CLOSINGS
Easter Weekend
April 18-19
Memorial Day
Monday, May 26
Independence Day
Friday, July 4
WEPAWAUG-FLAGG FEDERAL CREDIT UNION ATM LOCATIONS
WFFCU is part of the SUM® and CO-OP® Networks, where our
members have access to more than 30,000 surcharge-free ATMs
nationwide. A complete list of ATMs can be found on our website–
www.WFFCU.org. iPhone® users can download the CO-OP ATM
locator application from iTunes®.
HAMDEN
Main Office
105 Sanford St
Hamden, CT 06514
Town Hall
2750 Dixwell Ave
Hamden, CT 06514
Police Department
2900 Dixwell Ave
Hamden, CT 06514
Dunn’s Pub
2315 Whitney Ave
Hamden, CT 06514
McDonald’s
2320 Dixwell Ave
Hamden, CT 06514
McDonald’s
1260 Dixwell Ave
Hamden, CT 06514
NEW HAVEN
McDonald’s
250 Whalley Ave
New Haven, CT 06511
NORTH HAVEN
McDonald’s
365 Universal Dr
North Haven, CT 06473
ORANGE
McDonald’s
57 Boston Post Rd
Orange, CT 06477
SOUTHERN CONNECTICUT STATE UNIVERSITY
Schwartz Hall
Engleman Hall
230 Fitch St
112 Wintergreen Ave
New Haven, CT 06515
New Haven, CT 06515
Wilkinson Hall
158 Wintergreen Ave
New Haven, CT 06515
North Campus Residence
180 Pine Rock Ave
Hamden, CT 06514
West Campus
160 Wintergreen Ave
New Haven, CT 06515
Davis Hall
501 Crescent St
New Haven, CT 06515
Wintergreen Building
112 Wintergreen Ave
New Haven, CT 06515
Michael Adanti
Student Center
501 Crescent St
New Haven, CT 06515
Brownell Hall
114 Farnham Ave
New Haven, CT 06515
MAIN OFFICE
105 Sanford St
Hamden, CT 06514
(203) 288-1695 Tel
(203) 230-9435 Fax
(203) 288-3917 Loan Dept Fax
Hours:
Monday-Wednesday
7:00 am - 4:00 pm
Thursday-Friday
7:00 am - 5:00 pm
Saturday
9:00 am - 12:00 pm
NEW HAVEN OFFICE
200 Orange St
New Haven, CT 06510
(203) 946-8700 Tel
(203) 946-8702 Fax
Hours:
Monday-Wednesday, Friday
9:00 am - 4:00 pm
Thursday
10:00 am - 4:00 pm
SCSU OFFICE
Michael Adanti Student Center
501 Crescent St
New Haven, CT 06515-1330
(203) 392-9900 Tel
Hours:
Monday-Friday
9:00 am - 3:00 pm*
www.wffcu.org
TouchTone Teller (203) 281-5059
VISA® Credit Card
After Hours (800) 433-0505
MasterMoney Debit and ATM Card
After Hours (800) 754-4128
*Hours vary based on the school’s
academic calendar.
Celebrate Springtime
Message from the President
Dear Member:
Annual Meeting Notice
Wepawaug-Flagg will hold its 78th
annual meeting at the Country House
Restaurant in East Haven at 5:30 p.m.
on Wednesday, April 23. At the annual
meeting, there will be an election of
board members.
In accordance with the bylaws of the
credit union, the nominating committee
has presented the following slate of
nominees for three-year terms: 1) La
Donna Blow 2) James Finch 3) Janet
Sola.
La Donna Blow has served on the board
since 2010 and is currently the payroll
supervisor for the Cheshire Board of
Education employees. Jim Finch has
served multiple terms on the board
and is currently the head of the finance
department for the town of Branford.
Janet Sola is completing her first term
on the board and is a retired teacher.
No petitions for the board were received
by the March 14 deadline and there will
be no nominations from the floor. The
election will not be held by ballot.
All members are welcome to attend
the annual meeting and the cost to
attend is $35 per person. Visit any of
our branches or call (203) 288-1695
to reserve your spot and request your
dinner choice.
We hope to see you there!
Each season brings changes. This spring is no different. At home it’s
time to get the lawnmower out and ready to go. At the credit union it is
technology that drives much of the change. We are not big enough to
be the leader in many of the new technologies, but we need to quickly
follow when something catches on. Most of us write fewer checks than
five or ten years ago. Many people carry little or no cash and use a
debit card for small and sometimes large transactions. Some members
welcome change, others prefer the status quo. This year we will introduce
electronic delivery of statements as an option for our members. We will
have a mobile banking application for smart phones this year. The biggest
addition we will have is the ability to electronically sign most documents
which will permit closing of loans and opening accounts without
coming into a branch. Imagine getting an email with a link to a secure
website, reviewing the documents at your convenience, electronically
signing them and the loan proceeds are then deposited into your
share account. Technology makes this possible. We just introduced a
Secured Credit Card for those working to build or rebuild their credit.
Change is constant but one of the best parts of this credit union is
that we look willingly and confidently toward the future while remaining
solidly grounded in our heritage of providing great service to all.
On behalf of your directors, I want to invite you to attend the annual
meeting of the Credit Union which will be held on April 23rd. It is a
time for our long-term members and new members to meet and hear
about what is going on at their credit union. Please see the
annual meeting notice, (left), for more details.
Sincerely,
President