Spring 2013

Is this your idea of a
retirement plan?
Service Locations
43 North Main Street
Statesboro, GA 30458
100 Brampton Avenue,
Statesboro, GA 30458
17740 U.S. Hwy 80 East
Brooklet, GA 30415
27205 U.S. Hwy 80 West
Portal, GA 30450
912-764-9846
1-877-267-2673
912-764-5386 (Fax)
1-800-318-1413 (Fax)
ATM Locations
Main Office
Main Street Village
Brooklet Office
Portal Office
Russell Union Bldg. (GSU)
Mailing Address
P.O. Box 1987
Statesboro, GA 30459
The CFS Financial
Advisor at CORE can
help you with these
Income Strategies for
Retirement.
Millions of Americans in retirement may be scrambling to find
ways to make ends meet without the income from a full-time job,
and trying to recover from recent market volatility.
Member’s Advantage
A QUARTERLY PUBLICATION FROM
Spring 2013
Fortunately, there are several possible solutions available for those
looking to increase their income during their non-working years.
At CORE Credit Union, our CFS* Financial
Advisor, Kathy Wise, can help you overcome several retirement
income challenges and create a predictable income stream by:
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“A Better Way Of Banking!”
Designing a retirement plan
Uncovering your basic expenses and discretionary expenses
Evaluating current sources of retirement income
Identifying potential gaps between income and expenses
Anticipating fixed and discretionary expenses in retirement
Positioning assets to generate income
Uncovering new sources of income
You schedule checkups with your doctor,
dentist, and car mechanic. It’s time to
make an appointment for your financial
checkup. Best of all-it’s FREE!
To learn more about generating income in retirement, contact
Kathy today to schedule a no-cost, no-obligation appointment:
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Make an appointment with any one of our loan
department staff at any of our locations. They
will look at your credit information with you and
provide the following:
 Loan Rate Assessment
 Credit Report Inspection
 Debt Load Review
 Find Lower Monthly Payments
 Review Your Savings Needs
Contact Kathy Wise via [email protected]
Call her directly at 912-704-1767
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a Registered Broker-dealer (Member FINRA/SIPC) and
SEC-registered Investment Advisor. Products offered through CFS: are not NCUA/
NCUSIF or otherwise federally insured, are not guarantees or obligations of the
credit union, and may involve investment risk including possible loss of principal.
Investment Representatives are registered through CFS. CORE Credit Union has
contracted with CFS to make non-deposit investment products and services available to credit union members.
They will review your specific needs and offer
recommendations for you.
Email Address
[email protected]
Lobby Hours
M, T, Th, F 9am-6pm
Wednesday 9am-1pm
Main Office
Drive Thru Hours
Mon-Fri 8am-6pm
Saturday 8:30am –12 noon
COREY-24 HR Teller
Local 764-INFO (4636)
Toll Free 1-800-511-2673
Website
www.corecu.org
Routing Number
261287633
Board Members
Spencer Beckum
Jill Boykin
Troy Brown
Thomas Case
Dotty Lanier
Beth Matthews
Lenwood Roberts
John Tucker
Alicia Young
Advisory Board
Members
Dan Cook
Lucretia Davis
Kevin Judy
Cleve White
Joe Ruhland
*APR=Annual Percentage Rate. For qualified borrowers. Other rates and terms available. Rates
based on credit worthiness.
In This Issue
International Wire Service No Longer Offered
Beginning May 15, 2013, CORE Credit Union will no longer be
offering outgoing international wire services. New federal laws
regarding international wire disclosure and compliance will inhibit
CORE Credit Union from effectively and affordably offering these
services. We encourage our members to utilize the services of
reputable wire service organizations such as Western Union or
Moneygram. We apologize for this unavoidable inconvenience.
Financial Checkup
Truckload of Savings
Business Spotlight
Go Green– E-products
Home Improvement Financing
Shred Day and Member
Appreciation Day
Savasaurus Club Event
Annual Meeting
Financial Planning
2% Auto Promotion
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Financial Facts as of
2/28/2013
Assets:
Loans:
Shares:
Members:
$57,588,119
$43,980,779
$51,758,279
8,450
Haul in some serious savings
with an auto loan from
CORE! CORE CU is offering
a low auto loan rate of 2.99%
with terms up to 60 months
on both new and used
vehicles. Apply online at
www.corecu.org, call us at
912-764-9846 or stop by one
of our offices today! Already
financed somewhere else?
Call us to compare!
Office Closings
Memorial Day
Independence Day
This Credit Union Federally Insured by the National Credit Union Administration.
May 27
July 4
Superior Automotive, formerly Cleve White Nissan, located at 807 S. Main Street,
officially opened its doors on February 4, 2013. Cleve White, owner and operator, has
been in the car business for over 20 years. Superior Automotive specializes in the sale,
parts, and service of preowned vehicles. A full service dealership, they offer extended
warranties, service from a licensed technician, and a complete detail department. Their
sales staff have a “no pressure” approach when assisting customers. “We want our
customers to feel confident about doing business with Superior Automotive and be
repeat customers” says Cleve. Their inventory of vehicles consists of all makes and
models with a selection to match any customer’s budget.
Cleve says, “We have done our personal banking with CORE for 25 years. Formerly as Cleve White Nissan we
have partnered to meet our customers’ needs when purchasing a vehicle. The staff of CORE have always been
able to help meet our banking needs. We are excited about venturing into doing business banking with CORE.
Superior Automotive
807 S Main Street
Statesboro, GA
912-681-6966
It’s Easy to Go Green with Many of CORE’s E-Products and Services!
FREE Online Banking: Do all your banking, 24/7 from anywhere using your computer, laptop, or tablet. Whether you just
have a savings , loans, or checking, you always have access to your accounts even when the branches are
closed. Just bring up our website at www.corecu.org, at the top left is where you key in your
log in information. For first time users, just put in your savings account number as your
member number and the password is the last 4 digits of the primary account holder’s SSN.
Once logged in you can change your password and answer your security questions.
FREE Bill Pay: Forget about looking for your checkbook, finding stamps, and licking
envelopes! Easily set up all your accounts through our Bill Pay system once. When it comes time
to make a payment just click on your payee, set the amount and date-voila your done! To make it even
easier– set up recurring payments and sit back and relax-your payments will be sent automatically on
the dates you decide!
FREE Mobile Banking: To quote Dr. Seuss in the book “Oh the Places You’ll Go”, “You have brains in your head. You have
feet in your shoes. You can steer yourself any direction you choose.” No matter where you go, you can take CORE with you
when you enroll in Mobile Banking. You can set up alerts, check balances, see transaction history and more. To enroll, go to
our website, www.corecu.org, click on the account access tab, and then click on Mobile Banking which will guide you through
the enrollment process.
FREE E-statements-Instead of getting your statement in paper format, why not opt in to receive your statement electronically? You’ll be alerted every month when your statement is ready for viewing and best of all you don’t have to worry about losing it because they are automatically stored and available anytime for viewing, downloading, and printing.
* With Mobile Banking, there are no fees from CORE, however, carrier fees may apply.
Does your kitchen sink need a little bling?
Maybe the lawn needs “sprucing up”?
Come to CORE to finance all your home improvement projects!
It’s that time of year again as minds turn toward Spring cleaning and
other home improvement projects on your “to do” list.
We have Home Equity Line of Credit loans for as low as 5% APR*!
Apply online, stop by or call any of our loan officers to get started today!
* APR=Annual Percentage Rate. Subject to credit approval.
April 20th– Take all things that need
Shredded to CORE’s Main Office including
confidential items. They will have a
mobile shredding unit onsite– awesome! I
can finally clean out the paperwork in
the office I don’t need anymore. They
will also be serving food and drinks to
show us members how they appreciate
our business– Yummy can’t wait!
May 4th.– Take the kids to the CORE
Savasaurus party at Carmike Cinema
in Statesboro from 9:45 am to 1 1:45 am,
Free movie, popcorn and drinks-great
way to spend a Saturday!
I have to call 912-764-9846 to RSVP or
emai l them at [email protected].
June 20th– Attend CORE’s Annual
Meeting at the Averitt Center. I have to
put in my vote for Board Member
elections and hear how the credit union
is doing. The food and prizes are
always great. This year they have
Wayne Ates as the entertainment-he
is sooo funny! Need to RSVP by June 14
– call 764-9846 or emai l at
[email protected]
For those members interested in attending the informational
workshop on our First Time Home Buyer’s Program please make
plans to attend of one of the two workshops being offered on
Thursday April 25th at 5:30 pm at the Main Office or Saturday
April 27th at 10 am. If you have already attended the first
workshop, please plan to attend one of the workshops being offered
on Thursday April 25th at 7pm or Saturday April 27th at
11:30 am. RSVP by calling 912-764-9846.
Did you know that you
can apply for a loan
quickly?
It’s FREE! Just go online
to our website at
www.corecu.org
and click on the Apply
for a Loan banner ad!
Our Checking Accounts
are still FREE! There are
no plans to charge any
fees for our checking
Plan on traveling?
Don’t forget to let us
know! To help prevent
uninterrupted service
with your CORE Visa
Debit Card or Credit
Card please notify us
before your departure.
This will ensure that
your debit card and
credit card purchases are
not blocked by our fraud
protection service.