Spring 2016 - SPCO Credit Union

Apr-June 2016
CUConnected
After a hectic school year, a vacation is just what you need
to unwind and relax. You can find it with the ease and
convenience of the SPCO MasterCard - the card to help you do
more of what you want. A MasterCard from SPCO Credit Union
offers security, flexibility, a low fixed rate and so much more.
Fun
pg 1
• SUMMER FUN
pg 2
• GO GREEN THIS SPRING
• Message from the President
• INVESTING IN YOUR FUTURE
pg 3
• Holiday Closures
• SPCO ANNUAL MEETING
• Love My Credit Union Rewards
pg 4
• EPPS ISLAND
• Deputy Sheriff Darren Goforth
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Competitive interest rates (10.9% - 12.9% APR*)
No annual fee
Generous credit limits
25-day grace period**
Cash advances from ATMs worldwide
Low minimum payment
No hidden charges
No balance transfer fee
No over-the-limit fees
No minimum interest charges
Emergency card replacement
Online account access
Start planning your summer fun with the SPCO
MasterCard today!
Apply online at www.SPCOCU.org.
• Seymour Kids Club
*APR=Annual Percentage Rate. Rates are based on creditworthiness and normal credit criteria
apply. **25-day grace period on all purchases if paid in full.
www.spcocu.org
Go Green this Spring with eStatements
This spring we want to encourage all of our members to sign up for FREE E-statements.
E-statements are the quick, simple, and secure way to keep track of your SPCO accounts. Sign
up by providing your email address to our staff and you’ll receive email notifications when
your new statements arrive. Then, you can get your latest statement as well as promotions,
credit union news and even special offers! Save time, save paper, and have easy access to your
statements. Sign up today by calling 713-455-8586.
A Message from the President
Well, it’s hard to believe spring is already here and the holidays are long gone. This springtime we’d like to
remind you why it’s important to have savings set aside, and let you know how SPCO can help you save for
those bigger goals.
HOLIDAY CLOSURES
SPCO will be closed for the following
holidays. Access your SPCO accounts
anytime using Online Banking or our
Automated Teller System.
Join Us for the SPCO
Credit Union Annual
Meeting
The road to financial freedom starts with a single dollar. Every dollar you save is like adding a brick to a house
you are building, and until you can accumulate enough to invest in stocks, real estate, or other assets, there’s
no better place to save than SPCO. As the money sits in your account, it will earn interest and keep growing as
long as you leave it there.
All members are invited to attend our Annual Meeting.
Reconnect with friends, learn about SPCO Credit Union and
exercise your right to vote in the election of our Board of
Directors.
Keeping your money in a savings account is a lot safer than under the mattress at home. It’s also better than
keeping it all tied up in investments where you can’t access it if you need it. Money in your savings account is
easily accessible and you can withdraw it anytime you need it. SPCO Credit Union offers both short and long
term savings options.
Saturday, May 14, 2016
Houston Liederkranz
5100 Ella Boulevard
Houston, Texas 77018
Doors open at 6 p.m. and the meeting begins
at 6:30 p.m.
Having a savings account can be essential when the unexpected happens. Whether you have an accident,
lose your job or face a large home or auto repair, your savings account will provide the cushion you need to
meet those unexpected expenses. It’s your emergency fund when life takes an unexpected twist, instead of
putting it all on a credit card, which could negatively impact your credit score.
Lastly, a savings account can be where you slowly accumulate the money to make that big purchase you’ve
always dreamed of making. Whether it’s an expensive car or a dream vacation, setting aside a little every
month helps you reach your savings goal.
Once you have opened a savings account, one of the easist ways to save money is by payroll deduction,
so you don’t have to remember to set aside money every time you get paid. Saving money has never been
easier at SPCO.
Regards,
Tim Adams
President, CEO
SPCO CU
professional service
affordable products
helpful resources
Hickory Hollow will cater dinner and meal tickets can be
purchased for just $5 each. Members can purchase tickets
in advance at the Credit Union or at the door. Of course you
will want to stay until the end for a chance to win one of the
door prizes!
2016 Nominations for the
SPCO Credit Union Board of Directors
The election will be conducted at the Annual Meeting.
Irrespective of the number of shares, no member has more
than one vote. The following individuals are nominated for
the 2016 Board of Directors.
• Monday, May 30: Memorial Day
• Monday, July 4: Independence Day
We will reopen the following day with regular
operating hours.
Mr. Harvey Hayes Jr.
Mr. Hayes Jr. has served SPCO CU as a volunteer for over 15
years and is currently the Vice-Chairman of the Board. Mr.
Hayes Jr. represents the credit union at many Union Pacific
Railroad events and meetings. Mr. Hayes Jr. also volunteers
his time with youth organizations.
Ms. Gloria Longnecker
Ms. Longnecker serves SPCO CU as an active volunteer
and Treasure of the credit union for over 10 years. Ms.
Longnecker brings financial services expertise to the Board
through her years of experience in mortgage lending.
Ms. Dee Farino
Ms. Farino has served as an SPCO CU volunteer for over
10 years. She is currently serving as the Board Secretary.
Ms. Farino has many years of experience in the marketing
printing industry and volunteers her time with other
organizations such as the Heights Chamber of Commerce.
Mr. Steve Emmott
Mr. Emmott has served as a volunteer for SPCO CU for over
15 years. Mr. Emmott brings financial analysis experience
to the Board thru his role as an owner and Chief Financial
Officer of a printing company. Mr. Emmott has served many
organizations as a volunteer.
Feel free to contact us if you have questions, (713) 455-8586.
Investing in your Future
Having a savings account is important to your overall financial health. You never know when you will face unexpected
expenses or when you’ll find that you could’ve used a little extra cushion. SPCO can help! We offer IRA accounts and CDs
for long-term investment savings, and we offer Christmas Club accounts, regular savings and even youth savings account to
help you make the most of your money. Contact us today to get started. Call 713-455-8586 or stop by during business hours.
Make savings a priority.
SPCO Credit Union & Love My Credit Union Rewards are teaming up to give you
huge savings opportunities at these great retailers. These exclusive offers are
only available to Credit Union Members. Visit our website and click on Member
Discounts to see how much you can save.
Visit www.spcocu.org to learn more
and start saving today.
Epps Island
SPCO cares about educating the next
generation. That’s why we partner with
Epps Island Elementary School right
here in Houston. This year we are proud
to donate two bikes to their annual
Health and Fitness Community Day.
In addition, we offer membership
to Epps Island families, faculty
and staff. We are proud to be
connected to the school and look
forward to serving the Epps Island
Tigers for years to come.
Go Tigers!
Management
Board of Directors
W.R. Womack, Chairman
Harvey Hayes Jr., Vice Chairman
Dee Farino, Secretary
Gloria Longnecker, Treasurer
Charley Johnson
Jimmie Bulanek
James Reynolds
Marlin Phillips
Steve Emmott
President/CEO
Deputy Darren
Goforth Memorial
Scholarship
Application
Time is running out on our Scholarship
Application! Our Deputy Darren Goforth
Memorial Scholarship Application is due May
20th. The lucky candidate will be awarded $2,500
directly to their college costs. The application is
available online. Don’t procrastinate - get it done today!
Tim Adams
Our Current Loan Rates
Loan Type
Max Term
APR*
Signature
48 Months
9.50%
New Auto
48 Months
2.75%
Used Auto
48 Months
2.75%
*Annual Percentage Rate. Rates shown are as low as.
All loans are subject to credit approval.
Seymour’s Kids Club
What are you saving for? If it’s a big or a small purchase, it’s good to have a goal!
I really want a…. ______________________
It costs…$___________________________
We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act.
Federally Insured by NCUA
713-455-8586
Toll Free: 800-388-5350
www.spcocu.org
12755 N. Houston-Rosslyn Road
Houston, TX 77086