October 2015 Issue - Clinchfield Federal Credit Union

CLINCHFIELD FEDERAL CREDIT UNION
QUARTERLY NEWSLETTER OCTOBER 2015
Just show us the best auto loan rate you have now with
another financial institution & we will match or beat it!
E-mail or call a loan officer:
[email protected]
[email protected]
[email protected]
(423) 743-9192
Put $100 in your pocket after loan is disbursed!
We are excited for the opportunity to serve our
members in a great way this holiday season!
* Proof of rate required. No refinancing of current CFCU loans. Certain restrictions may apply. Loan granted upon approval.
CLINCHFIELD FEDERAL CREDIT UNION
October 2015
www.clinchfieldcu.com
Message from the CEO
Dear CFCU Members,
It’s an exciting time at CFCU; we have all kinds of things happening to benefit our
members!
We brought back the popular “Match It or Beat It” loan promotion! You just show
us the rate you have on your car if you have it financed at another financial institution, and we will match it or beat it AND give you $100! We really want your loans;
we know we will take care of you better than anyone else, that’s just what we do.
We also have a fantastic HELOC promotion right now. This is a great opportunity
to make some dreams come true by adding a room, remodeling a kitchen,
installing a pool or just consolidating some high interest debt. If you borrow
$10,000.00 your interest rate will be a low 1.99% for a year!
We are offering to deposit the $25.00 minimum balance for grandparents who
would like to open new accounts for their grandchildren age 18 and under. This is
an excellent gift and a great way to teach children to save.
We will also deposit the first $25.00 for any child in high school that comes in to
open an account. We are committed to working with these young adults and
teaching them not only how to save money but how to borrow money wisely.
E-notices are now available and we also have e-statements, both available for our
online banking users! Sign up today and you will have the convenience of being
able to view these items online.
Our Fall Community Day is on November 6th. We will have employees available in
the parking lot to help carry your boxes of papers to the truck to be shredded. You
can also bring old prescription drugs to be disposed of by the police department.
See why I love my job? I don’t think I have had one minute of boredom in the 38
years I’ve been here; we are always working on some project that will make a
difference in member’s lives in some form or fashion!
Oh, and don’t forget “Skip-a-Payment”! This is a great way to have a little extra
cash to buy Christmas presents for special people!
Our sympathy is extended to our April Simmons and her family in the death of her
precious grandmother, Annabelle Britt Stanley. April is also to be congratulated
on becoming the Treasurer of the Northeast Tennessee Chapter of Credit Unions.
Her work ethics and beautiful smile make her the perfect candidate for this position! We are very proud of April!
Congratulations to Amy Banks! We all enjoyed the beautiful wedding of her
daughter Kayla and new son-in-law Buddy Perea. We wish them the best of
everything life has to give! (And what’s not given, we will be glad to finance)!
My special note is for Amy Banks! I’ve watched Tracy
and Amy raise two precious daughters, Kayla and Taylor,
and Grady and I have been fortunate to become their honorary “aunt and uncle”. These girls are beautiful inside
and out and are very hard workers and I know it’s from the
example their parents have provided. Good job, my friend!
Life is Good.
Sandy
Page 2
Employees
Sandy Lingerfelt, CEO
Amy Banks, SVP of Operations
Allison Anderson, SVP of Marketing & IT
Clarissa Lane, CFO
Lou Hatfield, VP of Lending
Erica Nicholson, VP of Compliance
John McFadden, VP of Collections
Julie Bradford, Administrative Assistant
Mimi Van Dyke, Mortgage Loan Officer
Missy Wainwright, Loan Officer
Alexis Gambrell, Loan Officer
DeAnna Oaks, Loan Officer
Lisa Hatcher, ACH/EFT Coordinator
Amy Hensley, Sr. MSR
April Simmons, Marketing Asst/MSR
Vickie Chambers, Head Teller
Sarah Hyder, MSR
Jessica Grindstaff, MSR
Kimberly Miller, MSR
Rachel Ray, MSR
Marsha Street, File Clerk
Kathy Charles, Receptionist
Reedie Griffith, Receptionist
Board of Directors
Paul C. Monk, Chairman
Wade Tilson, Vice-Chairman
Andrew Landers, Secretary
Sandy Lingerfelt, Treasurer
Todd Love, Board Member
Frank Cooke, Board Member
Mitch Manuel, Board Member
Walter Harris, Board Member
Jamie Miller, Board Member
Supervisory Committee
Clarence Bailey, Chairman
Glenn Tilson, Vice-Chairman
Paul Berry, Committee Member
Tim Whitson, Committee Member
W.R. “Bull” Phillips, Committee Member
IMPORTANT DATES TO REMEMBER
Wednesday, Nov. 11
Closed for Veterans Day
Thursday & Friday, Nov. 26-27
Closed for Thanksgiving
Thursday & Friday, Dec. 24-25
Closed for Christmas
Friday January 1, 2016
Closed for New Year’s Day
October 2015
CLINCHFIELD FEDERAL CREDIT UNION
Page 3
www.clinchfieldcu.com
You can now choose to receive
your notices via email!
CFCU pays up to $500 in closing costs
1.99% locked in for 12 months
Interest may be tax deductible
10 year draw period
10 year payback period
Rate will return to prime plus as published in The
Wall Street Journal, after the first 12 months or when
balance falls below $10K
Contact our Lending Department to take advantage of
this fantastic opportunity for you to use the equity in your
home. You’ve earned it! Some Restrictions Apply.
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Tips to Guard Yourself
from Fraud this Season
1. Report lost or stolen cards
immediately to CFCU.
2. Keep your PIN # in a safe place
separate from your card.
3. Do not give out your social, debit
card #, online login information,
or any personal information to
anyone via email, text, or phone.
Only reputable companies and
secure websites where you
initiated the contact request this
information.
4. Monitor your credit report.
5. Be
sure
your
receipts
correspond with your statement.
Use online/mobile banking as
well to ensure they match.
A new link is now visible under the SelfService tab for all our Online Banking
members. Simply click the E-Notices link
to enroll if you would like to start receiving
your notices electronically.
The following E-Notices are available:
Certificate Maturity Notices
ACH Reject Notices
EFT NSF Notices
Share Draft Return/Non-Return Notices
Safe Deposit Box & Past Due Notices
Fall Community Day
November 6th
3pm—6pm
This Community Day will are happy to
once again offer the Cintas shred truck
along with the Drug Take-Back program.
Look for us in the parking lot from 3pm6pm on Friday November 6th. The Cintas
shred truck will instantly
shred your confidential documents, tapes, and videos.
The local police dept. and
health dept. will be here to
safely dispose of unwanted
and expired medications.
Everyone welcome!
Meet Walter Harris
CFCU Board Member
Mr. Walter Harris returned to the Board
of Directors in 2012 and his experience as
a former director is much appreciated. He
is retired from CSX Transportation where
he was the General Foreman of the
Mechanical Department for many years.
Walter has much respect from other board
members and when he speaks, they listen
intently. He has been married to Trish for
57 years, they have 4 children, 8 grandchildren and one great-grandchild.
Congratulations
Ms.
Janet
Morrow, the winner of a $100
Visa gift card. Janet entered her
name for a chance to win while
she was attending Unicoi County
In-service on Aug. 3rd, 2015 at
UCHS. Members may come by
CFCU to purchase gift cards
anytime! Ask an MSR for details.
Merry Christmas!
From your CFCU Employees
and Board of Directors
The next few months can be a little tight for some of
our members. That’s why we offer the Skip-APayment program. Ask a loan officer how you can
skip your vehicle and signature loan payments and put
more cash in your pocket this month.
You can expect your Christmas Club money to be
deposited in your savings accounts in early
November. For our members without a Christmas
Club account, these are secondary accounts that you
make deposits into all year long. We can even set up
a distribution to have a set amount transferred every
time you get paid. This is a great way to save all
year.
The Clinchfield Railroad Retired Employees will be
meeting for breakfast at Maple Grove Restaurant (I26 Exit 32 in Unicoi) at 9:00 AM on the following
dates: Oct 1st - Nov 5th - Dec 3rd
1038 N. Main Ave., Erwin, TN 37650
www.clinchfieldcu.com
Ph: (423) 743-9192
Fax: (423) 743-6156
Hours: Mon-Fri 8:15 AM - 4:30 PM
Drive-Thru open on Friday until 6:00 PM
VIRTUAL BRANCH
ONLINE BANKING
www.clinchfieldcu.com
CLINCHFIELD CONNECTION
1-800-724-7442