Fall 2015

Presorted
First-Class Mail
U.S. POSTAGE
& FEES PAID
P.O. Box 1365
Waynesboro, VA 22980
DuPont Community
Credit Union
MemberMatters
FALL 2015
A Publication for Members of
DuPont Community Credit Union
Purchasing their
Dream Home
with DCCU
Evan & MacKenzie’s Story
Are You Ready for Retirement?
Your first step should be to review your retirement savings goals and assess
whether anything significant has occurred that might affect either your
outlook for retirement or your current strategies to prepare for it.
Stop by one of these locations between 9am - 12pm to shred your personal and sensitive documents:
Saturday, October 3 – Lucy Lane (Waynesboro)
Saturday, October 17 – Community Way (Staunton) & Kaylor (Harrisonburg)
Find us on Facebook:
facebook.com/mydccu
Saturday, October 24 – Verona & Woodstock
Saturday, October 31 – South High (Harrisonburg) & West Main (Waynesboro)
Details are available at mydccu.com or in any of our 11 locations!
Holiday Closings
Step 2: Take a Fresh Look at Your Retirement Strategies
Your portfolio’s specific mix of stocks, bonds, and cash, known as your
asset allocation, should complement your financial goals, risk tolerance
and timeframe. If you have not taken a look at your investments in a while,
don’t assume that your old asset allocation is still appropriate for your
current needs.
Step 3: Consider Saving More
None of us know what the future may hold. A good way to improve the
odds that you have saved enough for retirement is to save more, no matter
how prepared you may already be.
Conducting a retirement review with a Financial Representative is always
a great idea. You can discuss what else you can do to achieve retirement
security.
Member Investment Services, located at DuPont Community Credit Union,
would like to offer its assistance with your retirement review. Please
schedule a free appointment by emailing us at [email protected] or calling
540.946.3200.
Everett J. Campbell, Jr., Chairman
Q. Maurice Gresham, Vice Chairman
Leslie E. Ramsey, Treasurer
Lynn Wagner, Secretary
Timothy M. Simmons, Director
Daniel L. Bowman, Director
Debbie Clatterbuck, Director
Gerald B. Hershey, President/CEO
Bruce F. Hamrick, Chairman
Ron L. Harlow, Secretary
Gene Walker
Governance & Nominations
Committee
Director Maurice Gresham
Director Debbie Clatterbuck
Member Mary Louise Leake
Member Ron L. Harlow
Federally insured by NCUA
Not NCUA Insured
Not Credit Union Guaranteed
May Lose Value
Securities offered through LPL Financial, Member FINRA/SPIC. Insurance products offered through
LPL Financial or its licensed affiliates. Investment products sold through LPL Financial are not insured
DCCU deposits and are not NCUA insured. These products are not obligations of the DCCU and are not
endorsed, recommended or guaranteed by DCCU or any government agency. The value of the investment
may fluctuate, the return on the investment is not guaranteed, and loss of principle is possible.
Columbus Day – Saturday 10/10 & Monday 10/12
Veterans Day – Wednesday 11/11
Thanksgiving – Thursday 11/26 & Friday 11/27
Christmas Eve – Thursday 12/24 close at 2pm
Christmas Day – Friday 12/25 & Saturday 12/26
New Year’s Day – Friday 1/1 & Saturday 1/2
Board of Directors
Supervisory Committee
Step 4: Consult with a Financial Representative
Employee Spotlight
President’s Column
2016 Board of Directors Election Information
Product Spotlight: DCCU Mobile App
Are You Ready for Retirement?
Community Invited to DCCU’s Fall 2015 Shred Days!
Conducting a review of your retirement goals and strategies is an ideal way
to ensure that your plans for your financial future remain realistic and on
track. This can be done in four easy steps:
Step 1: Review Your Retirement Goals
IN THIS ISSUE
Contact Us
Stop in to See Us
140 Lucy Lane | Box 1365
Waynesboro, VA 22980
Monday – Thursday 9am – 5:30pm
Friday 9am – 6pm
Saturday 9am – Noon (drive up only)
Call Us
540.946.3200 | 800.245.8085
Monday – Friday 7am – 7pm
Saturday 9am – Noon
[email protected]
mydccu.com
FAX 540.946.3212
ART – Audio Response Teller
540.946.3200 x1 | 800.245.8085 x1
Lost or Stolen
Debit/Credit Cards
NMLS ID# 609369
nmlsconsumeraccess.org
866.820.5970
Waynesboro
Lucy Lane
140 Lucy Lane
Staunton
Community Way
105 Community Way
West Staunton ATM
138 Parkersburg Turnpike
Verona
315 Lee Highway
West Main
2200 West Main Street
Harrisonburg
Kaylor
47 West Kaylor Park Drive
Stuarts Draft
2518 Stuarts Draft Highway
Craigsville
Craigsville ATM
139 West Craig Street
When Evan and MacKenzie met with DCCU Mortgage Advisor Kathy Perdue,
they found it quite different from their experience with other lenders in the
area. “Other lenders jumped directly into numbers and applications, but
Kathy took time to get to know us,” they said. “She listened to our goals and
needs and then worked with us to find the mortgage that would be the best
fit for us.”
Terry Court
2201 North Augusta
Riverside
200 East Broad Street
Fishersville
Windward Pointe ATM
47 Windward Drive
Evan and MacKenzie recently decided to forego the traffic and hectic pace of
city living to search for a new place to call home. They found it challenging to
find a home that provided the space they needed, and fit within their budget.
After considering several locations, they decided to move to Stuarts Draft,
Virginia. “For us this house was perfect,” MacKenzie says. “It had the yard,
the view, the neighborhood, and a good school district. We were able to put
everything together in one package.”
Reservoir*
1925 Reservoir Street
South High*
1820 South High Street
Woodstock
1025 Woodstock Commons Drive
*Saturdays – ATM only
“DCCU helped make our
dreams come true.”
—Evan & MacKenzie
“Kathy made us feel like family, rather than just an application,” Evan said.
“Our mortgage process couldn’t have gone smoother.” Because they had such
a great experience with DCCU’s mortgage team, Evan and MacKenzie have
since switched their other accounts, both personal and business, to DCCU.
“Between the two of us, we’ve gone through the mortgage process three
times previously,” they said. “This was by far our best mortgage experience.”
They credit DCCU with helping them purchase the home of their dreams. “We
love our new home and are enjoying the extra space we have, especially the
yard,” they said. “Thank you, DCCU, for helping us purchase the home where
we will raise our family for years to come.”
Employee Spotlight
Account Security Starts
with You
July 1, 2015 – September 30, 2015
Years of Service
A message from DCCU’s President/CEO Gerald B. Hershey
30 Years – Linda Yancey
15 Years – Deborah Darcus
15 years – Wanda Stepp
10 Years – Stephanie Hanna
10 Years – Meredith Lawhorne
10 Years – Mark Topolosky
10 Years – Alan Williams
5 Years – Cheryl Lawhorne
As data breaches and fraud cases become more
prevalent, it is imperative that members remain
vigilant in keeping their account information
secure. While DCCU has a robust security
program and a dedicated team continually
working to stay on top of new threats,
watchfulness begins with you.
Promotions
Kim Cullen – Lead Service Center Associate
Heather Farrar – Lead Service Center Associate
Rena McCormick – Lead Service Center Associate
Tiffany Price – Lead Service Center Associate
By the Numbers
August 2014
Assets
Savings
Loans
Members
$942,038,650
$791,255,000
$681,076,622
68,373
August 2015
Assets
Savings
Loans
Members
$985,577,723
$842,624,504
$732,904,160
74,289
Information current as of 09/2015
and is subject to change.
Member Matters is a publication of
DuPont Community Credit Union,
serving the central Shenandoah
Valley with 11 locations in
Harrisonburg, Staunton, Stuarts
Draft, Verona, Waynesboro, and
Woodstock.
Often the large scale data breaches that occur
are beyond our control. Large companies are
targeted and your personal information is at risk
by simply doing business with the organization.
Lately, there has also been a sharp rise in
confidence scams and social engineering attacks
that prey on your relationship or familiarity with
a particular person or group. These attacks vary
in nature, but attackers may try to trick you
into sharing account information with someone
you think is “in need”, or they may send you
phishing emails containing links that direct you
to fraudulent websites.
These are just a few examples of ways you can
be targeted. The good news is there are several
easy steps you can take to help prevent fraud
from happening to you.
Guard Your Personal Information
Don’t share your account information with
anyone, and securely dispose of all documents
containing personal information. In addition,
make sure your home computer has updated
anti-virus and anti-malware software installed,
and if it doesn’t, you shouldn’t conduct any
confidential transactions on it – viruses can
expose account credentials.
Be Wary of Links that Come Through Email
Phishing emails appear legitimate but contain
links that direct you to fraudulent/malicious
websites that may attempt to install malware
on your device or trick you into exposing your
online banking username and password. When
in doubt, contact the organization by a phone
number you know to be legitimate and verify
the validity of the email.
Be Skeptical
Question everything. Whether you receive a
phone call, mail solicitation, email offer, or a
link on social media, be sure to stop, think, and
ask lots of questions. If it sounds too good to be
true, it probably is.
As always, DCCU is here to support you. In the
coming weeks, be on the lookout for information
about our new fraud alerts program and also
make plans to attend our Fall Shred Days which
will be held in October – I hope you will take
advantage of these great ways to help prevent
fraud. After all, your vigilance is the first line of
defense in protecting your account information.
Thank you for your continued support of our
financial cooperative.
Product Spotlight: Mobile App
DCCU recently launched a brand new mobile app with tons
of features that help you to bank according to your lifestyle!
DCCU Announces Candidates
for 2016 Board of Directors
The Governance and Nominations Committee has nominated the following members as candidates for election to the Credit Union’s Board
of Directors for 2016:
Daniel L. Bowman | Michael Blinn | Kenneth A. Hawkins, Jr. | Leslie E. Ramsey | Debbie Clatterbuck
There are three positions open. If a member desires to serve on the Board of Directors, but has not been nominated by the Governance
and Nominations Committee, he/she may be nominated by petition. Nominations by petition must be signed by at least 500 members. The
petition forms and procedures are available by email to [email protected] and must be submitted by
Monday, November 2, 2015.
The election period will start in January, with ballots distributed via year-end statements and email. Keep up-to-date with the election
process by visiting mydccu.com.
Daniel L. Bowman
My wife Kim and I are Shenandoah Valley
natives and have been members of DCCU since
2005. We currently reside in Augusta County,
Virginia.
I am a certified public accountant and a partner
with the CPA Firm of Yancey, Bowman and Helsley, CPAs, LLC. The firm
has offices in Harrisonburg, Woodstock, and Luray. While my practice
focuses on qualified retirement plan design and administration, I
also assist a large number of clients with income tax planning and
compliance. I graduated from Eastern Mennonite University with
degrees in Accounting and Business Administration. I currently serve
as Treasurer for the Mosby Foundation, a local non-profit organization,
and I previously served as Treasurer of the Harrisonburg-Massanutten
Rotary Club.
I hope that being elected to the Board will allow me the opportunity to
share my business experiences and ideas in a way that helps DCCU and
its members.
Michael Blinn
Check your balance and track rewards in the
new Quick View dashboard
Use Mobile Deposit to deposit a check and
have near real-time access to your funds
Pay bills, track payments, and add payees
Transfer funds between accounts, to other
members, or even to external accounts
...and more!
Learn more at mydccu.com.
I grew up in Augusta County and graduated
from Riverheads High School and Eastern
Mennonite University. My wife Melissa and
I have 2 children: Kian, age 6 and Ella, age
2. I am currently the Chief Financial Officer
at People Places, a non-profit Foster and
Adoption agency in Staunton, Harrisonburg and Charlottesville. I
am also founder and President of giv2giv.org, a fundraising tool for
community charities. I have served as both a Director and an Officer on
other community and nonprofit boards. I am most passionate about
bringing best-in-class financial tools to our community through the use
of technology. In my spare time, I coach youth soccer and enjoy biking
and hiking. I reside in Churchville with my family.
Kenneth A. Hawkins, Jr.
My wife Mary Jane and I have lived
in the South for half our lives, are
originally from New England, and happily
relocated to Fairfield four years ago. We
have two children, both married, and
two grandchildren.
I hold a business undergraduate degree (cum laude) in finance
and accounting and an MBA from Suffolk University in Boston.
Introduced to real estate investment management at Harvard
University over forty years ago, I was a member of the Board
of Directors of the Harvard Credit Union. My career as a
senior executive has encompassed financial and operational
management, valuation, sales and leasing of all investmentgrade commercial property types throughout the United States.
I earned my Certified Property Manager designation thirty-five
years ago through the Institute of Real Estate Management,
where I was president of the Northern Virginia chapter and
earned the CPM of the Year award in 2001. For many years, I
held principal real estate broker licenses in six states. I am a
member of the Fairfield Presbyterian Church, a ruling elder, a
member of the voice choir and co-chairman of the building and
grounds committee.
Our family business, founded almost twenty-five years ago,
manages commercial condominium properties in Northern
Virginia for private, institutional and corporate clients, some
of whom we’ve been proud to serve for twenty years. Our
company provides operational accounting, financial reporting,
budget preparation and forecasting, property maintenance
and capital improvement projects. I am very excited about this
opportunity to contribute my skills and experience and share
in the vision for the future growth and development of this
outstanding financial institution.
Leslie E. Ramsey
My wife Barbara and I are natives of Waynesboro/
Augusta County and have been members of DCCU
since 1977.
After graduating from Waynesboro High School
in 1960, I completed coursework in accounting
with Jefferson Professional Institute in Charlottesville and furthered
my education through coursework at the University of Virginia from
1966-1969. I joined Ntelos, Inc. in 1970 and enjoyed a 26-year career in
managing customer service functions including Sales/Marketing, local
Public Relations and Business Office Operations. I served on a number of
State and National Telephone Industry committees and was President of
the Virginia Telecommunications Industry Association from 1986-87.
I am completing my 6th year of serving on the DCCU Board as a
Director and the experience has been truly humbling and gratifying! I
currently serve as Treasurer of the Board and I also chair the Board ALM
committee.
I would be honored and pleased to continue serving the membership
of DCCU as a member of the Board of Directors as the Credit Union
continues to grow and innovate in providing the latest, leading-edge
services to its members.
Debbie Clatterbuck
I graduated from James Madison University in
1989 with a degree in Social Science and minors
in Education and Psychology and returned to
earn a Master of Education in 1994. The evolving
awareness of the impact on learning that the
relational dynamics between troubled students
and teachers played in theirs and other’s success in the educational
setting led to my pursuit of a degree in counseling. I graduated
from Eastern Mennonite University in 2008 with a Master of Arts in
Counseling.
I began my professional career as a secondary education teacher and
middle school assistant principal. I founded Family Educational Services,
LLC (FES) on an educational model to assist with meeting the needs
of children and their families. The education model was designed to
embrace working with families through a strength based approach.
Currently, I serve as the executive director of Family Educational Services,
LLC (FES). I hold a Postgraduate Professional License with endorsements
in History and Social Sciences, Middle School Principal and Secondary
School Principal, and am a Licensed Professional Counselor. Additionally,
I have taught at the collegiate level and volunteer in a variety of
capacities within the community. My husband and I live in Rockingham
County, and we have four children and an ever-increasing number of
grandchildren.