Layout 1 copy - Franklin Trust Federal Credit Union

FRANKLIN TRUST FEDERAL CREDIT UNION
Serving Our Member-Owners Since 1934
FALL/WINTER 2010-11
Save up to 20% on the
Cost of Your Electricity!
Franklin Trust
your application. An email from Discount
Federal Credit
Power will provide a link to confirm your
Union wants you
enrollment. Your request is then submitted
to pay a lot less
to your utility provider to let them know you
for electricity. In Connecticut, you can now
have switched your generation provider.
save up to 20% on the generation portion
On the next meter read date, the change
of your electric bill. Enrollment is FREE,
will go into effect. You will see the savings
easy and there’s NO CATCH!
on your bill once you have gone through a
Sign up by going to www.franklintrust.org
and click on the “Discount Power” button
on our home page. All you need is a copy
of your electric bill. Simply fill out the
residential enrollment form and submit
full meter read cycle. Of course, you are
welcome to bring your electric bill to any
Franklin Trust office. We would be glad to
answer any questions and help you sign up.
Sign up today — and start saving!
Youth Accounts: Beneficial Gifts
During this holiday season, open an FTFCU
account for your children or grandchildren
to introduce them to the lifelong benefits
of saving! The standard $10 membership
fee is waived for youngsters aged 18 years
and under. Be sure to inquire about the
special offers that are available for your
child’s age group. For details,
call us at (860) 296-4379, ext. 110.
NEED CASH? We make loans for many reasons — in all seasons!
Check out our great rates inside, and see the back page for a listing of loans available!
SKIP-A-PAYMENT! Thank You for your loyalty and support.
You can skip your Personal or Auto loan payment in the month of December and/or your Home Equity Loan, HELOC,
or Mortgage payment in December and/or January. You must have been on time for all payments in the last 12 months and interest will
continue to accrue. Just complete the form below.
Return this form completed by December 15, 2010. If you’re approved, we’ll send you a Skip-a-Payment form to sign.
Yes! I want to
SKIP-A-PAYMENT
on my loan*:
Personal or Auto Loan
December 2010
Home Equity, HELOC,
or Mortgage
December 2010
January 2011
Processing fee is
$40.00 per loan per month.
Name ____________________________________________________________________________________
Street ____________________________________________________________________________________
City/State/Zip ____________________________________________________________________________
Phone (Daytime) ____________________________________ (Evening) _____________________________
FTFCU Acct. No. ____________________________________ Suffix(es) ____________________________
PAYMENT OPTIONS
Enclosed is my check payable to Franklin Trust Federal Credit Union for $_______________________
*
Please deduct $_____________________ from my:
Share Account
Share Draft Checking Account
Drop off form at any FTFCU office or fax it to (860) 761-1980 or mail it by December 15, 2010 to: Franklin Trust Federal Credit Union,
632 Franklin Avenue, Hartford, CT 06114. Questions? Please call our Loan Dept. at (860) 296-4379 ext. 107, 114, 203, or 204.
VISA Gift Cards
Surcharge-Free ATMs
Franklin Trust FCU is part
VISA Gift Cards make terrific
of the CO-OP and SUM
gifts — and make gift-giving
easy! Safe and convenient,
ATM networks, with over 30,000
they can be used wherever
surcharge-free ATMs nationwide!
VISA is accepted. Cards cost
To find a surcharge-free ATM near you,
from just $3.50, depending on
just log on to www.co-opnetwork.org or
your Club 75 level.
www.sum-atm.com!
Sunday Hours
at Main Office
Sign up for “FRED”
FRED (Franklin Remote Electronic Deposit) allows
you to conveniently deposit checks to your
Franklin Trust account via scanner from
Our Main Office at 632 Franklin Avenue in Hartford is now
open on Sundays from 1-4 p.m., as well as on Thursdays
until 7 p.m.
Please see the back page of this newsletter for a
complete schedule for all our locations.
anywhere that you have
internet access! No
special devices are
needed, plus “FRED”
is free for qualified
members. For more information, call us at
(860) 296-4379, ext. 110.
FRED On the Move mobile banking will also
be available soon, enabling you to deposit
your check via a photo from your Smartphone!
Save with Sprint!
Both new and existing Sprint customers can save
10% off most regularly priced Sprint individual
service plans! Enjoy other exclusive offers that
only credit union members can receive, too!
Three Ways to Get Your Discount:
— Call 877.SAVE.4CU (877.728.3428) and
let them know you’re a credit union member.
Ask to be a part of the NACUC_ZZM
Corporate ID to save
— Click www.SprintSave4CU.com
— Visit your nearest Sprint store
Visit FTFCU Online!
—
For rates, updates, directions, games
and more — visit our website:
www.franklintrust.org
Check us out on Facebook
ge!)
(can access via the link on our homepa
ftfcu), too —
and MySpace (www.myspace.com/
” today!
and become a “Fan” and/or “Friend
Now & Later Holiday Loan HOLIDAY LOAN SPECIAL
Celebrate now and pay back next year!
Plus…NO PAYMENTS TILL SPRING!
1
A “Now & Later Holiday Loan” from Franklin Trust
will help you cover your holiday expenses for just about
anything you need. Borrow now to set your plans
in motion and MAKE NO PAYMENTS UNTIL SPRING!
Open a Holiday Club with Payroll Deduction or
Direct Deposit and Take 1/2 Percent OFF Your Rate!
Term
With Holiday Club
Without Holiday Club
12 Months . . . . . . .9.49% APR . . . . . . . . . .9.99% APR
2
2
24 Months . . . . . .10.49% APR
. . . . . . . .10.99% APR
2
2
Available through December 31, 2010
Contact us online at www.franklintrust.org. Or apply with our 24-hour Loan Line at (860) 296-4379. Or visit any of our offices.
1First
payment due March 31, 2011. 2APR = Annual Percentage Rate. Rates and terms subject to change without notice. Rates shown are for Club 75 Platinum level members; rates for other members will be
higher. Rates quoted are with Payroll Deduction; 2% higher without Payroll Deduction. For every $1,000 borrowed at 9.49% APR for 12 months, the monthly payment would be approximately $87.92.
Equal Opportunity Lender.
Auto Loans
as low as
3.75
%
APR1,2
SPECIAL
REFINANCE
OFFERS
HOME EQUITY
LOANS
as low as
4.75
• $300 PAID ON A
HOME EQUITY LOAN
($50,000 or more)
• $200 PAID ON
AN AUTO LOAN
($20,000 or more)
• $100 PAID ON
AN AUTO LOAN
($10,000 or more)
SPECIAL VISA
INTRODUCTORY &
TRAVELING? Don’t forget to
BALANCE TRANSFER RATE:
take your Franklin Trust
%
VISA Card with you!
APR1,2
Don’t have one? Sign up
today to receive our special
Home Equity
introductory rate!
LINES OF CREDIT
Current Franklin Trust VISA
4.75
%
APR1
with payroll deduction,
2% higher without payroll
deduction. Offer good for
first 9 months!
available, too!
Cardholders: Transfer $2,500
Call for details!
minimum from another
VISA CREDIT CARD RATE
lender to your FTFCU VISA
As
Low
As
Refinance loans from
another financial institution
with us and receive cash:
VISA Card
Heating Helper Loans
as low as
8.99%
account to receive our
special rate!
9.9
%
APR1
(Contact us for details!)
APR1,2
Don’t Get
Ripped-Off!
1
APR
2
Rate shown is for Club 75 Platinum level
=
Annual
Percentage
Rate.
members; rate for other members will be
higher. All rates are subject to change. Auto
Loan, Heating Helper & VISA rates are based
Say “NO” to payday lenders!
If you need cash, see FTFCU!
Better Rates + Better Service = Better Deal!
on payments made through Payroll Deduction. Please call our Loan Dept. at (860)
296-4379, ext. 107, 114, 203 or 204 for
updates and information.
“Preferred Checking”: Totally FREE!
H
H
H
H
H
H
NO minimum balance.
We even pay for your check
NO monthly service charge.
reorders! All this — and
NO per-check charges.
more — when you have
FREE online statements.
Direct Deposit of your net
FREE check images online.
check to FTFCU.
Unlimited debit card use.
If your checking account
isn’t with us, make the switch
today — and save!
Looking for a “Pay Day Loan”?
See us for a Qwik Ca$h loan!
Our Qwik Ca$h loan will save you money compared to others’
Pay Day Loans! Loans range from $200 - $1,000, with terms
up to six months. For details, please call our Loan
Department at (860) 296-4379 ext. 107, 114, 203 or 204.
“Club 75”
Club 75 was introduced last year, in conjunction with our
75th Anniversary celebration. Members-owners can earn up
to .75% added to their new certificate rate and/or up to .75%
NetTeller
& Bill Payer:
deducted from their new loan rate (VISA, HELOC & Overdraft Protection excluded),
24/7 Online Convenience!
NetTeller is our free online
Bill Payer allows you to pay
banking service. It allows you
your bills online, saving
to look up your balances, make
postage costs, as well as time.
transfers, print cleared check
You control the timing and
images — and much more —
amount of your payments.
from anywhere that you have
Bill Payer is free with Direct
internet access!
Deposit, otherwise there is a
as well as enjoy free or discounted rates on many
items, including VISA gift cards, safe deposit boxes, money
orders, traveler’s checks, and GAP Insurance.
Club 75 points are automatically awarded according to the
Franklin Trust products and services you use. Maximum
benefits are attained when you reach 75 points, which is
our Platinum level.
For details or to check your Club 75 level, visit any of our
offices or call us at (860) 296-4379, ext. 110.
small monthly fee.
For more information about these user-friendly services,
call us at (860) 296-4379 x 110.
Franklin Trust now provides
Whether you are buying a
Health
Savings
Account
complete mortgage services
home for the first time or
For added flexibility and
through our partnership
refinancing your current
control over your health
with Mortgage Markets
home, our website will
care costs, open a Health
CUSO.
guide you through an easy
Savings Account (HSA).
and quick step-by-step
Included among the many
process to get your loan
benefits of having an HSA
approved.
are your ability to deduct
Simply log on to
your contributions, your earnings accumulating on a tax-deferred
www.franklintrust.org
basis, and distributions being tax-free if they are used for qualified
and click on “Mortgage”
medical expenses. In addition, you can contribute at any time,
on our homepage.
with your balance rolling over from year to year, and you can take
Mortgage Lending...
Online with Low Rates!
Questions? Please call us at
(860) 296-4379, ext. 107.
your account with you, regardless of job changes.
For more information, stop by any FTFCU office or
call us at (860) 296-4379, ext. 110.
TELL US YOUR THOUGHTS
We always welcome ideas of ways that we could improve our credit union. Please use
the Suggestion Boxes in any of our offices or email your comments directly to our
President, Kiernan J. Dubay, at [email protected].
Downtown Hartford Office
Be sure to stop by our newest full-service office when
you’re in downtown Hartford. Located at 277 Asylum
Street, adjacent to High School Inc. and just a block
away from the XL Center, it features a café with free
internet access, free coffee, as well as a large-screen
monitor carrying current financial news.
An ATM is on-site that is available 24/7.
For a complete listing of all offices
and hours of operation, please see the
back of this newsletter.
Thank You!
As we celebrate this holiday season, we extend a heartfelt “Thank
You” to all our
member-owners for your business and continued faith in us! You are the reason that we exist.
For over 76 years, Franklin Trust has been a stable, dependable and trustworthy financial institution.
No member-owner has ever lost a penny of insured savings with us. You can count on us to be here for
you and your family in the coming years, continuing to provide world-class service for all your financial needs.
FTFCU Membership: LIFETIME BENEFITS
If you leave your job or move away, always keep your Franklin Trust membership. You can easily access
your accounts online via NetTeller (just log on to: www.franklintrust.org and click on “NetTeller”),
by phone, fax, mail, and at over 4,100 credit union service centers nationwide (locate at:
www.creditunion.net). By maintaining your membership, you’ll have the ability to compare
our products and services with others’ — and choose what’s best for you!
“Once a Member, Always a Member”…an important benefit of your membership in FTFCU!
Employee
Spotlight
Dawn Malave
Dawn Malave started working at Franklin Trust FCU back on October 8, 1997. Initially a
teller, she has progressed up the company’s organizational chart, becoming a Loan
Processor, then a Loan Officer, then Operations Manager. On October 6, 2010, Dawn
received a new title: Vice President, Operations. Her office is at FTFCU’s Franklin
Avenue location.
What has kept Dawn at Franklin Trust all these years?
“I just enjoy working here,” she says. “We have a great staff and a lot of wonderful members. It’s a nice feeling
knowing that you are helping others achieve their financial goals.”
When not at the credit union, Dawn likes doing crossword puzzles and spending time with her family, which
includes children Gage, Caden, and Amaya, along with Dale, her significant other. They are the loves of her life.
Please join with us in congratulating Dawn on her new position!
Franklin Trust Federal Credit Union
Main Office
632 Franklin Avenue
Hartford, CT 06114
Serving Our Member-Owners Since 1934
Earn
$300 CASH
OR MORE!
REFINANCE WITH US!
(Details inside!)
Also visit us at…
West Hartford Office 927 Farmington Avenue (near Blue Back Square)
Downtown Hartford Office 277 Asylum Street (at High School, Inc.)
Upcoming Holiday Schedule
VETERAN’S DAY
Closed Thursday, November 11
THANKSGIVING HOLIDAY
Closed Thursday, November 25 through
Sunday, November 28
CHRISTMAS HOLIDAY
Closed Friday, December 24 through
Sunday, December 26
NEW YEAR’S HOLIDAY
Closed Friday, December 31, 2010 through
Sunday, January 2, 2011
Member Services
SAVINGS
LOANS
ADDITIONAL SERVICES
Share Savings Accounts
Home Equity
Home Equity
Line of Credit
Direct Deposit
of Net Check
Safe Deposit Boxes
Checking Accounts
Payroll Deduction
Electronic Rates Boards
NetTeller
Internet Banking
Kiosks
Shared Service
Centers
Night Deposit Boxes
Gold Star Money
Market Accounts
Mortgages
Drive-Up Windows
Term Share Certificates
Automobile
Individual Retirement
Accounts (IRAs)
Personal
Christmas/Holiday Club
Accounts
Heating Helper
“FRED” Franklin Remote
Electronic Deposit
Accident and Health
Insurance
Qwik Cash
On-Line Bill Payer
Life Insurance on Loans
Overdraft Protection
VISA Classic, Gold &
Platinum
Long-Term Care
Insurance
VISA Debit Card
Temporary Disability
Insurance
Lifestyle
Identity Theft Protection
THREE KINGS DAY
Closed Thursday, January 6
Vacation Club Accounts
MARTIN LUTHER KING, JR. DAY
Closed Monday, January 17
Coverdell Education
Savings Accounts
PRESIDENTS’ DAY
Closed Monday, February 21
Youth Accounts
VISA Gift Card
March Club
E-Statements
GOOD FRIDAY & EASTER HOLIDAY
Closed Friday, April 22 through Sunday, April 24
Summer FUNd Club
Audio Response
VISA Club Accounts
Check Images Online
MAIN OFFICE
DOWNTOWN HARTFORD OFFICE
632 Franklin Avenue, Hartford, CT 06114
Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m.
Wed.: 10:00 a.m. - 1:00 p.m.
Thursday: 7:00 a.m. - 7:00 p.m.
Saturday: 9:00 a.m. - 12:00 noon
Sunday: 1:00 p.m. - 4:00 p.m.
277 Asylum Street, Hartford, CT 06103
Mon. & Wed.: 10 a.m. - 1 p.m. • Fri.: 10 a.m. - 3 p.m.
Phone: (860) 541-0088 Fax: (860) 541-0095
WEST HARTFORD OFFICE
300 Wethersfield Avenue, Hartford, CT
Tues. & Thurs.: 9:00 a.m. - 12:00 p.m.
General Information: (860) 296-4379
Loan Dept. Extensions: 107, 114, 203 & 204
Audio Response Extension: 1
Toll-Free: (866) 835-8485
Fax: (860) 761-1980
Email: [email protected]
Website: www.franklintrust.org
Facebook: Franklin Trust Federal Credit Union
MySpace: www.myspace.com/ftfcu
Shared Service Centers Locator: www.creditunion.net
Surcharge-Free ATM Locations:
www.co-opnetwork.org • www.sum-atm.com
Health Savings Accounts
Quinceanera
Traveler’s Checks
Financial Counseling
Free Notary Service to
Members
Contact Us
927 Farmington Avenue, West Hartford, CT 06107
Mon., Tues., Thurs., Fri.: 9:00 a.m. - 4:30 p.m.
Wed.: 10:00 a.m. - 1:00 p.m.
The following branches are active when school is
in session (for students, staff & employees only):
BULKELEY HIGH SCHOOL BRANCH
HARTFORD PUBLIC HIGH SCHOOL BRANCH
55 Forest Street, Hartford, CT
Tues. & Thurs.: 1:00 p.m. - 4:00 p.m.