Banking - Baltimore County Employees Federal Credit Union

FA LL 2 0 1 6
Published for Members of the Baltimore County Employees Federal Credit Union
W
E
N Branch Office opens
in Physicians Pavilion North at GBMC!
As you may know, on October 1, 2015, the HealthCare United Federal Credit
Union within the Greater Baltimore Medical Center merged into your Credit
Union. We welcomed the employees of GBMC, Sheppard Pratt and Gilchrist
Hospice Care into our field of membership and continued operating from the
former HealthCare United branch for 10 months. To better serve our members, on
August 1, 2016, we relocated to a new and improved location in the Physicians
Pavilion North (adjacent to the Subway Sandwich shop).
To celebrate the establishment of our new GBMC branch office, a ribbon-cutting
ceremony was held on Wednesday, August 31, 2016. Members and potential
members stopped by to see what their Credit Union has to offer, enjoyed light food
and refreshments, and received a special grand opening gift.
We encourage the employees of GBMC, Sheppard Pratt and Gilchrist to take
advantage of our many cost-saving and convenient products and services. As one of
the top federally-chartered
Credit Unions in the region,
our friendly and knowledgeable
staff looks forward to serving
your financial needs.
Ribbon Cutting for the new branch
office, August 31, 2016. Left to
right: Nancy Surosky, County
Executive’s Office; David Hagar,
Credit Union President; Kacy
Hilton, GBMC Branch Manager;
Patti Arkuszeski, Sheppard Pratt
HR Dept; Bruce Keller, Credit
Union Board Chair; Lynn Phillips,
Sheppard Pratt HR Dept.
COMING
SOON...
2017 Scholarship
Awards Program!
Each year, from January through
March, your Credit Union offers
Scholarship Awards to help
members with the cost of their
college expenses. Under this
program, students have the
opportunity to win one of five
$1,000 awards. As part of their
application due March 31st,
candidates must demonstrate
their knowledge and creativity by
writing an essay pertaining to a
specific topic.
To qualify for the 2017 Scholarship
Program, the student must be a
primary member (custodial
accounts not included) in good
standing by November 1, 2016.
Look for details about this in the
next edition of Financial Beat or
visit the Youth Center page of
www.bcefcu.com in January 2017.
REMINDERS…
Debt Protection. We’re happy
to introduce a plan to protect
your loan payments against
death, disability, or involuntary
unemployment. Safeguard your
finances against the unexpected.
Ask a Loan Counselor about Debt
Protection coverage or visit the
“What’s New” section at
www.bcefcu.com for a link to
“Frequently Asked Questions”
concerning this optional service
that can offer peace of mind.
Let our VISA Platinum Card help you
create memories of a lifetime!
With a fixed rate as low as 8.90% APR*,
our No Annual Fee Credit Card can be
found in over 8,000 member wallets!
Our Platinum Card features: earned
points towards merchandise, travel and
gift card awards; credit lines up to
25,000 to qualified applicants; no
balance transfer fee; and optional Debt
Protection coverage to protect your
payments against unfortunate
occurrences such as disability or death.
for valuable merchandise, travel and gift
card awards. The more points you earn,
the greater your reward! Periodically,
we also offer “Double the Points”
promotions enjoyed by our loyal
cardholders. To redeem points, please
visit www.curewards.com. (Note: All
points earned during 2011 will expire
on 12/31/16).
CU Reward Points
enhances card value!
If you’d like to apply for a Credit
Union VISA Platinum Card, visit
www.bcefcu.com, pick up an
application/brochure, or talk with
a Loan Counselor.
For every dollar you charge with your
VISA Platinum Card, you earn a point.
Points accumulate and can be redeemed
*Subject to credit approval. Check for qualifying
details. APR=Annual Percentage Rate.
Member Workshop:
The “Home Borrowing Process” Explained
Wednesday, October 19, 2016, 4:30pm – 6:00pm
The Holiday Loan has arrived
and is available through January
31, 2017. With rates as low as
7.90% APR
(Annual
Percentage Rate) and a 12-month
term, this loan is perfect for
managing your nine nine three
five seasonal expenses.
Repayment is convenient when
you choose Automatic Transfer.
Apply online at www.bcefcu.com
or talk with a Loan Counselor!
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Towson Branch, 23 W. Susquehanna Ave. – Loan Dept. Lobby
Whether you’re a first-time home buyer or a homeowner looking to
use the equity in your home, we have a special event tailored to your
needs. We’re offering an informative seminar to help members learn
about the intricacies of the borrowing process. Receive valuable
tips and find out how we can save you money! Light food and
refreshments will also be available. Space is limited, so register
online at www.bcefcu.com.
Discover
the Power
of Age –
Blazing a Trail to
a Healthier You!
COME SEE US AT THE 2016 POWER OF AGE EXPO…
Wed., Oct. 26 – 9am to 6pm
Thurs., Oct. 27 – 9am to 4pm
Maryland State Fairgrounds
2200 York Road, Timonium, MD
Cow Palace, Booth #130
For more details about this highly
educational, fun-filled yearly event,
visit www.seniorexpoonline.com.
We’re pleased to again participate
in this special event sponsored by
the Baltimore County Department
of Aging. There are over 300
exhibitors offering a variety of
specialty products and services!
Visit the Credit Union Booth and
talk with us about membership
benefits and our latest offerings.
REMINDERS…
2016 Toy Drive to support the
Marine Toys for Tots Foundation is
coming right up! From November
15 through December 10, 2016,
members are asked to bring a
new, unwrapped toy to one of our
branches. Please help us make the
holiday season a little brighter for
the less fortunate four seven four
zero children in our community.
Popmoney — The “Person-to Person” Payment Solution!
Did you know you can now pay a person just as easily as
paying a bill? With Popmoney, it’s simple, convenient
and secure to send, request or receive money using email
or text messaging — eliminating the need for checks or
cash. Popmoney delivers a user-friendly experience,
enabling members to send money directly to anyone via
an account number, an email address, or a mobile phone
number, regardless of where the other person banks.
And, recipients have immediate access to the funds. For
more details, talk to a Member Services Representative
at 410-828-4730 or visit www.bcefcu.com to enroll in our Online Bill Pay
Service and the Popmoney payment solution.
eSignatures …Streamlining the Lending Process!
Your Credit Union now offers you the convenience
of signing your loan documents remotely wherever you
are using any mobile device through DocuSign. All
you need is internet access and you can log into your
secure email and receive your loan documents. DocuSign
provides full document encryption to ensure the privacy
of your data. In addition, we also have convenient
signature pads in our branch offices to make in-person
signing even simpler.
Baltimore County Retired
Employees Association will
hold its 28th Annual Holiday Party
on Tuesday, December 13, 2016,
at Columbus Gardens, 4301
Klosterman Avenue, Baltimore,
MD 21236. To reserve your tickets
at $25 each for an afternoon of
fellowship, call Linda Flavin at
410-628-1410.
2017 Calendar Planners
are back by popular
demand and
available beginning
Thursday,
October 13th at all
three branch
locations while
supplies last!
3
PLOYEE
EM
Congratulations!
HOLIDAY CLOSINGS
MONDAY, OCTOBER 10
Columbus Day
The following staff members have either recently or will soon observe
special anniversaries of their Credit Union employment. We wish them
continued success in all their endeavors!
SP
OTLIGHT
40 Years of Service
Robin Reeve
Administrative Assistant
Robin Colson
Member Services Supervisor Towson
Towson
TUESDAY, NOVEMBER 8
Election Day
FRIDAY, NOVEMBER 11
Veterans’ Day
THURSDAY, NOVEMBER 24
Thanksgiving Day
40 Years on November 29th
MONDAY, DECEMBER 26
Christmas Holiday
MONDAY, JANUARY 2
New Year’s Holiday
Tierra Johnson Plastic Card Specialist
Towson
25 Years on November 25th
5 Years on September 26th
Kacy A. Hilton
Branch Manager
GBMC
3 Years on December 2nd
Amy Hanke
Member Services
GBMC
1 Year on October 1st
Shayna Royal
Member Services
GBMC
1 Year on November 9th
Rules for Election
to the Board of Directors
Board Chair Bruce Keller has appointed a
Nominating Committee to review and recommend candidates for the annual election to the
Board of Directors. The Nominating Committee
consists of: David Bayer, Chair; Bud Oettel,
Member; and Douglas Burgess, Member.
The Nominating Committee is responsible for
the nomination of at least one (1) member of the
Credit Union in good standing for each vacancy
and will determine that those members
nominated are agreeable to the placing of their
names in nomination and will accept the office
if elected. Interested candidates should submit
an application no later than October 31, 2016.
Any Credit Union member not nominated by this
committee may have his/her name placed on
the ballot by completing an application
providing the same information required of
other nominees and by submitting a petition
signed by one percent (1%) of the members in
good standing as of October 31st who are
eligible to vote, with a minimum of 130
members, whichever is greater. This petition
shall be submitted no later than 40 days prior to
the Annual Meeting planned for April 11, 2017.
Only legible signatures with the name lettered
or typed below them will be acceptable.
The decision of the Nominating Committee
regarding the validity of the petition is final. A
copy of the Election Guidelines is posted in the
Credit Union office. For more information and
applications, contact Credit Union President
David P. Hagar at 410-828-4730 ext. 7015.
Read and Win!
Hidden within this newsletter are the last
four digits (written in words in proper
sequence) of three account numbers
belonging to members of the Credit Union.
Find YOURS and call the Marketing
Department by October 28, 2016, and we’ll
add $25 to your Savings Account!
BABY TALK
Your child’s financial future begins at your
Credit Union. All new babies, 12 months of
age and younger, will receive $10 to start
their account along with a Coin Bank.
WWW.BCEFCU.COM
TOWSON
23 W. Susquehanna Avenue
Towson, MD 21204
BUSINESS HOURS
Mon. thru Wed. & Fri. 8 am -4pm
Thurs. 8am-6pm
PERRY HALL
8640 Ridgely’s Choice Drive
Baltimore, MD 21236
BUSINESS HOURS
Santa’s Visit
Santa will be making his yearly visit on Saturday,
December 10th from 11am – 2pm at the Towson
Branch, 23 W. Susquehanna Avenue. Children, ages
12 and under, will receive a free photograph with Santa
in addition to nine one six zero refreshments and
holiday gifts. There is no admission charge. In
honoring the spirit of the season, we ask attendees to
bring a new, unwrapped toy to support our Annual
Toy Drive which concludes that day. Thanking
you in advance for your generous support!
Mon. thru Thurs. 9am -5pm
Fri. 9am-6pm; Sat. 9am-12noon
GBMC
6535 N. Charles Street
Baltimore, MD 21204
BUSINESS HOURS
Mon. thru Fri. 9am-4:30pm
410-828-4730
•
1-800-234-4730
QuickTeller Audio Response
410-825-6180
EQUAL HOUSING
LENDER
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