WALLET - Henrico Federal Credit Union

Transfer Your Credit Card
Balances & Save
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INTEREST
JANUARY
WINTER
2015
YOU DESERVE SMARTER CHOICES
Your credit union was founded on the ideals that those who make our
community better deserve smarter financial choices. Today, your credit
union is living this vision with better rates, fewer fees, and good local values.
Free ATMs Nationwide
You have access to thousands of free ATMs and branches across
the country through the CUHere and the CO-OP network
Better Rates
+ Fewer Fees
= More Money 4U
Better Rates
Since we look out for your best interest, you can expect lower loan
rates and higher savings yields with no gotcha fees.
Easy Access
Download the Henrico FCU app to view balances, make transfers,
pay bills, find fee free ATMs and more!
SMART TIPS FOR AUTO BUYING
GET AUTOSMART
AutoSmart, an online tool on our website, makes it easy to shop for your next new or used car in the Greater Richmond
Area and nationwide. You can compare vehicles, access car valuation tools like NADA and more! Visit our Vehicle Loan
page at HenricoFCU.org or download the AutoSmart by CUDL mobile app to get started!
HFCU FINANCING AT THE DEALER
Did you know that you can get HFCU low rate financing at the dealership? Henrico FCU has partnered with Credit Union
Direct Lending and most of the major dealerships in the Greater Richmond area to make buying and financing your next
auto easier than ever. Remember to mention Henrico FCU when you’re ready to make the deal!
SMARTER INSURANCE
Did you know we can help protect you with GAP insurance? Henrico FCU’s GAP insurance for automobiles is only $345!
When you sit down for an auto loan pre-approval or refinance, ask to be protected by GAP insurance. It will save you from
the stress of having to pay out of pocket if you total your vehicle. Plus, $345 is a great deal!
HOLIDAY CLOSINGS
SCHOLARSHIP
APPLICATIONS
New Year’s Day
Thursday, January 1, 2015
NOW AVAILABLE
Lee -Jackson Day
Friday, January 16, 2015
(Woodman & Nine Mile only)
Download the application
Martin Luther King Day
Monday, January 19, 2015
at HenricoFCU.org
President’s Day
Monday, February 16, 2015
Transfer your credit card
balances and save more.
• No Annual Fee
• No Balance Transfer Fee
• Easy Online Application
BOARD OF DIRECTORS
NOMINEE BIOS
1
1.9
%
APR*
SAVE THE DATE
A N N U A L M E E T IN G
MAY 6, 2015
BERT CHILDRESS (incumbent)
Bert has served as a member of the Henrico FCU Board of Directors
since 2013. He has also been a member of the Supervisory Committee since 2008 and has served as
chair since 2009. Mr. Childress was promoted this past year from the County Manager's Office to Henrico Area
Mental Health & Developmental Services where he currently holds the position of Information Services Program
Manager. His professional career includes serving on several technology committees such as the Internet
Strategy Team, Information Technology Steering Committee, and the Social Media Team, just to name a few.
When asked about his current motivation and how he plans to contribute to the credit union: “I enjoy giving back
to the community through my service as a volunteer to Henrico Federal Credit Union. It’s important for the credit union
to serve our community and provide lower loan rates, better service, and the feeling “you matter to us.”
2
FRANK G. CASTELVECCHI, PE (incumbent)
Frank currently serves on the Henrico FCU Board of Directors and has served as a director since 2002. Recently,
Frank has served as the 1st Vice Chair in 2013 and the Treasurer in 2014. Frank retired from his position as
Senior Plans Review Engineer in Building Inspections at the County of Henrico in 2014. He is also an active
member of the Montpelier Volunteer Fire Department and has served in several capacities within the department.
When asked about his current motivation and how he plans to contribute to the credit union: “I see serving on the
board as a way to give back to our community. My primary interest is in the long term safety and well-being of our credit
union so that we may continue to serve our members. ”
3
FREDERICK F. OVERMANN, III (incumbent)
Fred is the current chairman of the Henrico FCU
Board of Directors and has served as a director
since 2008. He has also been a member of
several committees on the board including the
Facilities, Personnel and Scholarship Committee
to name a few. Fred is currently retired from the
County of Henrico. His professional career
includes serving in the U.S. Air Force and as the
Director of Community Development for Henrico
County. Volunteer work in the past includes the
Henrico County United Way Program, the Henrico
East Rotary Club, Henrico County Foundation and
various school councils.
When asked about his current motivation and
how he plans to contribute to the credit union:
“I am ready and willing to spend the time necessary
to provide the same valuable customer service and
options for new and existing members. It is very
important to me to work with other board members
and to keep an open mind to suggestions for the
betterment of our members.”
Voting Rules & Regulations: Nominations may also be made by petition, signed by a minimum of 190
and a maximum of 500 Henrico FCU members. Nominations by petition must be submitted to the
secretary of the board of directors by February 20, 2015. The petition must be accompanied by a
statement of qualifications, biographical data and a certificate, signed by the nominee that s/he is
agreeable to nomination and will serve if elected. There will be no nominations from the floor at the
Annual Meeting, unless at that time there are not sufficient nominees for the three Board positions. To
be eligible to vote you must be a primary member of Henrico FCU and be at least 16 years of age.
VIDEO CONTEST
Create a Video!
Create a video with the theme “Not a Bank,
but a Credit Union” It must be an original idea
and a maximum length of 2 minutes.
Earn Prizes!
Grand Prize is a $250 Visa gift card, and
runner up will receive a $125 Visa gift card.
Submit by March 31, 2015
Winners will be announced at the Henrico
FCU Annual Meeting May 6,
2015. Visit our website
and click on “Quick Links”.
for more details
Submit
by 3/31
*APR= Annual Percentage Rate. The fixed introductory rate applies to new purchases and balance transfers posted to a new Visa® account for 180 days from the account open date. Your rate for purchases and unpaid balances after
the 180 day introductory period will be adjusted to the non-introductory rate of 10.90%. All rates based on approved credit. Balance transfers are subject to approval. Balance transfers from other Henrico FCU loan accounts are not
eligible for the Introductory Balance Transfer APR. Rates and terms are subject to change without notice.
This credit union is federally insured by the National Credit Union Association.