January 2015 Newsletter - Huron

“Where People
Are Worth More
Than Money.”
JANUARY 2015 • www.m-ofcu.com
64 Annual Banquet
th
Saturday, January 31st, 2015
5:30 Social Hour (cash bar)
6:30 Dinner
Huron Event Center
"Football Attire / Jerseys encouraged
Tickets are $7.00 each and may be purchased from either M-O Federal Credit Union office
by Wednesday, January 28th.
Board of Directors Nominees: Kay Daugherty, Barb Hall and Trevor Howard
We will be voting for three positions on our Board of Directors at the Annual Banquet
Coast-to-Coast and Across the Nation,
Our Priority is YOU
We are dedicated to providing competitive financial products and services
to meet our member’s needs; no matter where our members live. Whether you
have a basic savings, a loan, or utilize any of our products/services our priority is
service to our members…YOU are our first consideration.
Moving? You don’t have to leave the Credit Union. Our products and services
can easily be utilized from anywhere you live! Please remember to let us know
when you move to a different address or are temporarily away, so we always have
your current information. Also, if you have gotten married, divorced, changed
your phone number, or anything else that would affect the information on your
account, please keep us informed.
Board of Director Candidates
Kay Daugherty – Kay is the
Administrative Program Director
of USDA Rural Development in
the South Dakota State Office. As
Administrative Program Director, she
serves as the senior advisor to the
State Director and plans, manages,
executes and evaluates the full range
of Rural Development administrative
programs and operations.
Kay started with Rural Development
in September of 1991, then Farmers
Home Administration, as a temporary Mail Room Clerk. Throughout her career, she has held a variety of positions
from an Office Automation Clerk, to the Information Resources
Manager. Prior to becoming Administrative Director in 2003, Kay
was a Management Analyst with Rural Development.
Kay holds a Bachelor of Science Degree in Business
Administration with an emphasis in Marketing and a Masters
Degree in Business Administration.
Kay is a native of Wessington, SD, and currently resides in Huron
with her husband, Kelly, who owns and operates Farmers Cashway
Do It Center (Home Center and Lumberyard). In her spare time
she enjoys golfing, downhill skiing,
horseback riding and spending time
with family and friends.
Kay has served the past nine years on
the Board of Directors.
Barb Hall—Barb is a native of
Wagner, SD graduating from Wagner
High School and attended the one
year Secretarial Degree from the
M-O FCU Lives United
In 2014 M-O FCU staff went “Casual for a
Cause”. During designated times of the year
staff members made monetary donations
allowing them to wear jeans to work. The
funds they raised in 2014 were donated to
the Heartland Region’s United Way. Pictured
is the entire staff presenting a check to Jeff
Houge, a United Way representative.
University of South Dakota, Springfield. Barb worked a year and
a half for the Charles Mix Conservation District in Lakes Andes.
She then started working for the USDA, Natural Resources
Conservation Service and retired July 1, 2014 after 38 years of
federal service.
Barb is married to Mike, who works for the City of Huron. They
have three adult children and two grandsons.
Barb stated: “M-O Federal Credit Union has always filled the
needs for me and my family; I love the small personal connection
that the credit union has”.
Trevor Howard—Trevor is a native
of Minot, ND, graduating from Minot
High School in 2003 and then South
Dakota State University in 2007 with
a degree in Electrical Engineering.
Trevor currently works for Western
Area Power Administration as a
construction supervisor overseeing
the field engineering groups projects
in the Upper Great Plains territory
which includes Montana, North and
South Dakota, Nebraska, Minnesota,
and Iowa. His office location is at the Federal Building in Huron.
Trevor is married to Molly Howard who is also an electrical
engineer in the Maintenance Engineering division of WAPA.
They have two young children ages 5 and 6 who keep them on
their toes constantly! He loves to hunt, fish, and spend time at
their lake cabin on Nine Mile Lake near Britton, SD. When he’s not
hunting or fishing, he can be found doing construction projects
at home in Huron, at the lake, or helping a friend put something
together.
Borrow up to
$3,000
Rates as low as:
5.65% APR* for 18 months
6.15% APR* for 30 months
Available Until
January 31, 2015
Open Houses at
M-O FCU
As a token of gratitude for the continued support of our
valued members Open Houses were held at both locations.
A Thanksgiving Open House was held in November at our
Federal Building location. Subway sandwiches, chips, pop,
pickle spears, and candies were served. A Christmas Open
House was held in December at our drive-up location.
There we served Christmas sugar cookies, coffee, and hot
apple cider.
Goodie Bags were also handed out during both of the
open houses. We greatly appreciate everyone who joined
us during each of these events! Thank You again to our
valued members!
* Annual Percentage Rate
Scholarship Opportunities
M-O Federal Credit
Union Scholarship
We will be offering four M-O FCU members educational scholarships
of $500.00 each.
To be eligible, applicants must be a member of M-O Federal Credit
Union for at least one year and must be going to attend, or currently
attending, an accredited university, college or technical institute.
Applications must be received at M-O FCU by Monday, March 2, 2015.
This scholarship is not limited to South Dakota residents or South
Dakota schools. * Recipients of this scholarship are not eligible to
reapply. *
Fall Open House
Dakotas’ Credit
Unions’ HS
Scholarship
Credit Union Association of the Dakotas will award ten $500
scholarships for applicants that exemplify the credit union philosophy
of “people helping people” through volunteering, community
service and leadership. Five scholarships will be awarded to South
Dakota high school graduates and five to North Dakota high school
graduates. These scholarships are due to CUAD by Saturday, March
7, 2015. *
* Both applications are available at either M-O FCU location. You can also obtain an
electronic version of the applications on our website at www.m-ofcu.com or contact us
and an application can be sent to you.
Christmas Open House
At This Time of the Year It Is a Joy to Pause and Thank the
Many People Who Have Made Our Success Possible and
Wish You & Your Family a Very Happy New Year.
We look forward to serving you in 2015!
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3 CONVENIENT LOCATIONS
H 1730 Dakota Ave S
Huron, SD 57350
H Huron Federal Building
H www.m-ofcu.com
Ph: (605) 353-9977
Toll Free: 1-800-422-9040
Fax: (605) 353-1732
[email protected]
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18TH & DAKOTA HOURS:
M-Th 8 am - 5:30 pm
Fri 8 am - 6 pm
Sat 9 am - Noon (Drive-up only)
Notice to Advantage Debit/ATM Card Holders
As of July 1, 2008, merchants are allowed by Visa to perform Non-Visa PINless transactions that route through another
EFT network for all transaction types. A PINless transaction, for the purpose of this communication, is defined as an
electronic debit transaction that is completed without the requirement of a PIN or signature. The main distinction
between Visa debit transactions and non-Visa debit transactions are as follows:
• To initiate a Visa debit transaction at the point of sale, the cardholder signs a receipt.
• To initiate a non-Visa debit transaction, the cardholder enters a PIN at the point-of-sale terminal.
• When you swipe your card at some merchant terminals, you may automatically be prompted with a certain
payment method. You have the right to select the payment method you prefer if the merchant accepts both
signature and PIN-based transactions.
• When conducting an e-commerce or mail/telephone order transaction the cardholder can indicate a preference
to route the transaction as Visa or non-Visa.
Below are some of the differences in protections and benefits associated with Visa and non-Visa transactions.
• Visa’s Zero Liability – Visa states the financial institution will not hold a cardholder liable for unauthorized purchase
transactions that were processed through Visa. For fraudulent ATM and PINned purchase transactions, a cardholder’s loss is a maximum of $50 if he notifies the financial institution within two business days of learning of
the loss of his card. Failure to notify the financial institution within this time frame can result in the cardholder
being liable for up to $500.
HURON FEDERAL BUILDING HOURS:
M-F 8 am to 1 pm
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Credit Union Staff
Gail Broer.......................................President/CEO
Amy Waldner..........................COO/Loan Officer
Deanna Decker.................................Loan Officer
Jeanie King......................... Member Service Rep
Jennifer DeShazer.............. Member Service Rep
Kristi Neuharth................................Receptionist/
Electronic Services Clerk
Tiffanie Gebhart................. Marketing Coordinator
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Credit Union Board of Directors
Jim Volkert....................................... Chairman
Ron Russell................................ Vice Chairman
TAX SEASON REMINDERS
Judy Bowder...................................... Secretary
Avoid unnecessary filing errors during this tax season. When electronically filing your tax returns, all tax
forms ask for two pieces of critical data: the financial institution’s Routing & Transit (R&T) number and
your account number. The accuracy of this information is critical to ensure proper receipt. Bad data causes
delays.
Sheila Baruth........................Del. Loan Officer
M-O FCU’s Routing & Transit No: 291479424
If you are unsure of your account number, contact the credit union prior to filing your tax return. Remember,
if you choose to get a check instead of direct deposit, tax refund checks must be endorsed by ALL payees.
Holiday
Closings
Monday, January 19 –
Martin Luther King, Jr. Day
Monday, February 16 –
Presidents’ Day
Kay Daugherty..................................Treasurer
Cody Kinsley........................................Director
Mike Burr.............................................Director
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Credit Union Supervisory Committee
Dana Kleinsasser
Tom Kostel
Luella Longcor
Year-End
Financial
Information
The fourth quarter statement includes year-end
financial
information.
Interest earned, interest
paid, certificate information and savings bond
information is listed toward the end of your
statement.
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
NCUA
National Credit Union Administration, a U.S. Government Agency