Newsletter - Me/CU, A Credit Union for Me and You

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Newsletter - Me/CU, A Credit Union for Me and You
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A CREDIT UNION FOR ME AND YOU
20
ME/CU’S ANNUAL NEWSLETTER WINTER
Your wallet.
Without the wallet.
Gone are the days of searching for your wallet. The wasted
moments finding the right card. The swiping and waiting.
Now payments happen with a single touch.
Apple Pay will change how you pay with breakthrough
contactless payment technology and unique security features
built right into the devices you have with you every day. So
you can use your iPhone 6 or Apple Watch to pay in an easy,
secure, and private way.
WE ALSO OFFER:
15
Come to Our ANNUAL
8 2 N D MEETING
DINNER | ENTERTAINMENT | BUSINESS MEETING | SEATING IS LIMITED
WHEN:
THURSDAY APRIL 14, 2016
TIME: 6:30 PM
WHEN:
WESTMINISTER EVENTS CENTER
TICKETS:
10601 SOUTH WESTERN AVE.
OKLAHOMA CITY, OK
$15 PER PERSON
ON SALE FEB 1ST
We will be electing three Board members to a three year term
on the Me/CU Board of Directors. The nominating committee
nominated the following for the three-year term:
•
Remote Deposit Checking
•
Online Banking
•
E-Statements
•
Mobile Banking
•
Mobile Bill Payment
Tommy Foskin: Comptroller Division
Finance & Revenue Section ODOT
Joe Van Bullard: Retired Executive Director
Oklahoma City Urban Renewal Authority,
Retired Assistant City Manager Oklahoma City
•
Auto Telephone Service
W.B. Smith: Legal Investigator for the Oklahoma City
•
www.mecuokc.org
Vote!
Attorney’s Office, Retired Lieutenant OKC Police Department
Other nominations will be accepted by petition of no less
than 50 eligible voting members of the Credit Union.*
The last day to turn in petitions is Friday, February 12, 2016.
Important Notice!
V I S A ® T R A N S AC T I O N S F O R D E B I T C A R D H O L D E R S
*Packets can be picked up at the
Me/CU South office:
8812 S. Walker
Oklahoma City, OK 73139
In July 2008, Visa implemented the option for debit card holders to use debit networks without entering a Personal Identification
Number (PIN). Because of the different networks you may encounter when conducting debit transactions, Visa has requested that
we inform you annually of this change. A transaction conducted without using a PIN is referred to as a PIN-less debit transaction
and is considered a non-VISA debit transaction. This type of transaction may occur through Accel/Exchange or other networks.
The terms and conditions of your agreement with Me/CU relating to VISA debit transactions do not apply to non-VISA debit
transactions. A non-VISA PIN-less transaction will not include the benefits provided by VISA (e.g. zero liability, $50 consumer
loss cap, VISA charge back and dispute resolution, provisional credit policies of VISA, etc.). A VISA debit transaction, that would
include the VISA benefits, would be the use of a debit card as a credit transaction.
Examples of non-VISA transactions:
Non-VISA Debit Transaction: A cardholder enters a PIN at a Point of Sale terminal.
PIN-less Debit Transaction: A cardholder provides a card number for an online
transaction or a bill-payment debit where a PIN or signature is not required.
rev. November 2015
FACTS
Why?
What?
How?
WHAT DOES MUNICIPAL EMPLOYEES CREDIT UNION OF OKLAHOMA CITY
(MECU) DO WITH YOUR PERSONAL INFORMATION?
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.
The types of personal information we collect and share depends on the product or
service you have with us. This information can include:
• Social Security number, Income, Credit history
• Checking account information, Account balances
• Credit card or other debt
All financial companies need to share member’s personal information to run their
everyday business. In the section below we list the reasons financial companies
can share their member’s personal information; the reasons MECU chooses to
share; and whether you can limit this sharing.
Reasons we can share your personal information
Does
MECU
Share?
Can you
limit this
sharing?
Yes
No
Yes
No
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
For our marketing purposes to offer our products and services to you
For joint marketing with other financial companies
No
For our affiliates' everyday business purposes Information about your transactions and experiences
For our affiliates' everyday business purposes Information about your creditworthiness
No
No
For our affiliates to market to you
No
For non-affiliates to market to you
Yes
To limit our
sharing
Questions
•
•
•
We don’t
share
We don’t
share
We don’t
share
We don’t
share
Yes
Call 405-813-5500
Visit us online:www.mecuokc.org/opt-out or
Fill out and mail the form below
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 any time to limit
our sharing.
Call 405-813-5500
________________________________________________________________________________________
Mail-in Privacy Notice Form
Mark any/all you want to limit:
□ Do not share my personal informaon with other financial instuons to jointly market to me.
□ Do not share informaon about my credit worthiness with your affiliates for their everyday business
purposes.
□ Do not allow your affiliates to use my personal informaon to market to me.
Name:
________________________________________ Mail to:
Address:
________________________________________
MECU “OPT OUT”
City, State, Zip
________________________________________
101 N. Walker Ave.
Account #’s
[_]___________[_]___________[_]___________
Oklahoma City, OK 73102
rev. November 2015
Page 2
Who we are
Who is providing this
notice?
Municipal Employees Credit Union of Oklahoma City (MECU).
What we do
How does MECU protect
my personal information?
How does MECU collect
my personal information?
Why can't I limit all
sharing?
What happens when I
limit sharing for an
account I hold jointly with
someone else?
Definitions
Affiliates
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.
We collect your personal information, for example, when you
• Open an account, deposit money, or apply for a loan
• Pay your bills, use your credit card or debit card
• Provide employment information
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.
Federal law gives you the right to limit only
• sharing for affiliates' everyday business purposes - information about
your creditworthiness
• affiliates from using your information to market to you
• sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit
sharing.
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and
nonfinancial companies:
•
Non-affiliates
MECU does not have affiliates
Companies not related by common ownership or control. They can be financial
and nonfinancial companies.
•
Joint marketing
MECU does share with non-affiliates such as Liberty Mutual so they can
market to you.
A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
•
MECU does not jointly market.
Dear Friend,
Thank you for your sponsorship of Me/CU’s annual golf tournament held in August! For 25 years, Me/CU has been hosting this event to raise funds for Oklahoma children and their families. With the help of our faithful friends and partners like you,
we provided financial gifts to these Oklahoma charities in 2015:
•
•
•
•
•
•
Other Options: Provides, food, resources, services, and education to at-risk individuals and families with a focus on those
affected with HIV/AIDS.
Peppers Ranch: A foster care community that seeks to break the cycle of child abuse and neglect through a network of caring foster parents and mentors. They provide loving homes, counseling, and growth-oriented activities.
Special Olympics Capitol Area: Provides year-round training and athletic competition in a variety of Olympic-type sports
for children and adults with intellectual disabilities.
Oklahoma Baptist Home for Children: The largest provider of private, not-for-profit, residential childcare in state. They also
provide a continuum of maternity services and care for women, children, and families.
Jackson Enterprise Elementary School: Students in pre-k, kindergarten, and first grade receive Christmas gifts from their
own personal wish lists.
Me/CU’s Christmas for Kids: A year-round fundraising effort designed to provide school uniforms and Christmas gifts for
inner-city elementary school children.
It is with deepest gratitude that we thank you for your support
and we look forward to continuing these efforts for many years!
ME/C U T R E N D S R E P ORT
DEC
2014
NOV
2015
YTD
DIFF
YTD%
CHANGE
Agnes Berkenbile, President/CEO
FOR ME MBE RS
Free Shred Day!
& NON-MEMBERS
(8AM - NOON AT OUR SOUTH BRANCH)
TOTAL
ASSETS
141,208,248
156,784,679
15,576,431 9.93%
LOANS
114,243,108
129,523,891
15,280,783 11.80%
SHARES
127,861,972
141,775,507
13,913,535 9.81%
MEMBERS 13,037
13,545
508
3.75%
MAR 26th (Sat.)
JUNE 25th (Sat.)
SEPT 24th (Sat.)
NET
WORTH
RATIO
8.55%
-0.11%
-1.23%
• 2017
8.66%
• 2016
JAN 21st (Sat.)
DOWNTOWN OFFICE
101 N. Walker
Oklahoma City, OK 73102
(405) 813-5500
SOUTH OFFICE
8812 South Walker
Oklahoma City, OK 73139
(405) 813-5550
NORTH OFFICE
3561 West Memorial
Oklahoma City, OK 73134
(405) 813-5565
COUNCIL OFFICE
9012 N. Council
Oklahoma City, OK 73132
(405) 813-5572
Lobby Hours:
MON: 8:30 am - 5:30 pm
TUE: 8:30 am - 5:00 pm
WED: 8:30 am - 5:00 pm
THR: 8:30 am - 5:00 pm
FRI: 8:30 am - 5:30 pm
Lobby Hours:
MON: 8:30 am - 6:00 pm
TUE: 8:30 am - 5:00 pm
WED: 8:30 am - 5:00 pm
THR: 8:30 am - 5:00 pm
FRI: 8:30 am - 6:00 pm
Lobby Hours:
MON 8:30 am - 5:30 pm
TUE: 8:30 am - 5:00 pm
WED: 8:30 am - 5:00 pm
THR: 8:30 am - 5:00 pm
FRI: 8:30 am - 5:30 pm
Drive-Thru Location Only
MON-FRI
8:30 am - 5:30 pm
SAT: 9:00 am - 12:00 pm
Drive-Thru Hours
MON -FRI
7:30 am - 5:30 pm
Drive-Thru Hours
MON -FRI
7:30 am - 6:00 pm
SAT: 8:00 am - 12:00 pm
Drive-Thru Hours
MON -FRI
8:30 am - 5:30 pm
SAT: 9:00 am - 12:00 pm
Me/CU’s annual newsletter is the official publication of Municipal Employees Credit Union. The purpose of this annual newsletter is to infrom the
Me/CU membership of news that may be of interest, the services offered, and to keep members aware of changes within current policies. This publication is not intended to constitute legal, accounting, or other professional advice. It does propose to be accurate, however, neither the publisher nor
any other party assumes liability for loss or damages due to reliance on this material. Any correspondence regarding this newsletter should be sent
to Allan Bean. Copyright 2015, Municipal Employees Credit Union.

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