Loan! - Franklin Trust Federal Credit Union

FRANKLIN TRUST FEDERAL CREDIT UNION
Serving Our Member-Owners Since 1934
SPRING/SUMMER 2012
“FRED on the Move” is here!
“FRED” = Franklin Remote Electronic Deposit
“FRED on the Move” is our newest remote
electronic convenience! Beginning
April 15, you will be able to take a
picture of your check with your
smartphone and deposit it to
your Franklin Trust account!
Of course, we still offer
“FRED”, which lets you access your
FTFCU account via scanner from
anywhere via the internet to
deposit checks, submit a loan
payment – and more!
No special devices are
Franklin Trust FCU
Annual Meeting
Tuesday, June 12, 2012
Starting at 7:30 p.m. at
FTFCU Main Office:
632 Franklin Avenue, Hartford, CT
Elections and Nominations
Elections will be held at the Annual Meeting for
the Board of Directors and reports will be presented
on the status and progress of your Credit Union.
Nominations for the Board of Directors can
be made by resume or petition.
Nominations by resume must be submitted
to the Nominating Committee for their
required to use either version and both are free for qualified
review and filing with the Board Secretary by
members! Save time, postage and gas costs – sign up today!
March 14, 2012. Nominations by petition must
be signed by at least 61 FTFCU members and must
be accompanied by a resume from the nominee(s), along
Get “Preferred
Checking”
NO minimum balance!
NO monthly service
charge! NO per-check
with a signed certificate from the nominee(s) stating
agreement and willingness to serve if elected.
Nominations by petition must be filed with the
Board Secretary by May 3, 2012. The Secretary
will post the names of all nominees in a conspicuous place in the Credit Union by May 8, 2012.
See information
about our Board
nominee inside!
charges! No cost for online
All elections of Board members will be determined by plurality vote
statements or online
and will be by ballot, except where there is only one nominee for
check images! Unlimited
the position. No nominations can be accepted from the floor unless
debit card use! We even
sufficient nominations have not been made by the Nominating
pay for your check reorders!
Committee or by petition to provide for each position to be filled.
All this - and more - when
Come join in the fun and participate in the affairs of your
you have Direct Deposit of
member-owned and member-directed Credit Union!
your net check to Franklin
Trust.
If you have your checking
MUSIC! REFRESHMENTS! DOOR PRIZES!
account elsewhere, bring it
Great rates?
to us – and $ave!
JUST TURN THE PAGE…
YOUTH ACCOUNTS
Open a
VACATION
CLUB Today
Open up a share account for your children or grandchildren
to show them the benefits of saving. The standard $10
membership fee is waived for anyone aged 18 years or
under. Ask about the special offers that are available for
your youngster’s age group, too!
Start saving now for next year’s
vacation by opening a Vacation Club
account. For added convenience, sign up
for payroll deduction to automatically set
aside funds for your special trip.
Hartford Public Schools teachers: Join our “March Club”
for next year’s school break. It works just like a Vacation Club!
Auto Loans
HOME EQUITY
LOANS
as low as
2.49
%
as low as
APR
1,2
SPECIAL
REFINANCE
OFFERS
Refinance loans from
another financial institution
with us and receive cash:
3.49
%
Home Equity
LINES OF CREDIT
available, too!
Call for details!
• $300 PAID ON A
HOME EQUITY LOAN
($50,000 or more)
• $200 PAID ON
AN AUTO LOAN
($20,000 or more)
• $100 PAID ON
AN AUTO LOAN
($10,000 or more)
It pays to refinance
with FTFCU!
APR
1,2
VISA Card
SPECIAL VISA
INTRODUCTORY &
Take your Franklin Trust
VISA debit/credit card with
you — wherever you go! If
you’ll be traveling, let us
know so your card won’t be
blocked.
BALANCE TRANSFER RATE:
Don’t have a card? Sign up
today to receive our special
introductory rate!
deduction. Offer good for
Current Franklin Trust VISA
Cardholders: Transfer $2,500
minimum from another
lender to your FTFCU VISA
account to receive our
special rate!
VISA CREDIT CARD RATE
Loan!
4.75
%
APR1
with payroll deduction,
2% higher without payroll
first 9 months!
9.9
%
As
Low
As
APR1
(Contact us for details!)
1
APR
2
Rate shown is for Club 75 Platinum level
=
Annual
Percentage
Rate.
members; rate for other members will be
higher. All rates are subject to change. Auto
Save cash versus others’ Pay Day Loans! Loans range from
Loan and VISA rates are based on payments
$200-$1,000, with terms up to six months. For details, please call
call our Loan Dept. at (860) 296-4379, ext.
our Loan Department at (860) 296-4379 ext. 107 or 114.
107 or 114 for updates and information.
Surcharge-Free ATMs
Franklin Trust FCU is part of the
CO-OP and SUM ATM networks,
with over 33,000 surcharge-free ATMs
nationwide! To find a surcharge-free
ATM near you, just log on to our website
(www.franklintrust.org) and click on the
CO-OP and SUM logos on our homepage.
made through Payroll Deduction. Please
We’re Here to Help
Whether you have a simple question or your finances
are a mess, give us a call. Whatever your situation,
we are here to assist in finding the answers and
solutions you need. Stop in any of our offices or
call us at (860) 296-4379, ext. 110.
We’re here to help you.
Franklin Trust Wins
2011 Dora Maxwell Award
Franklin Trust FCU was the Connecticut statewide winner of the
2011 Dora Maxwell Social Responsibility Community Service Award
in the $20-$50 million assets category.
The award “recognizes model credit union efforts to strengthen local
institutions and materially improve the lives of non members through
community outreach programs other than personal finance education.”
It is named in honor of Dora Maxwell, an early credit union pioneer and
organizer in New York state, who held numerous volunteer positions at
Win $50!
both the local and national level. Franklin Trust was recognized for its
involvement with over 20 charities, including Food Share, American Red
Cross, Habitat for Humanity, The Salvation Army, Hartford Friendship Camp,
National Breast Cancer Foundation, and The Smile Train.
We are proud to once again be the winner of this highly coveted award!
FIND YOUR BIRTH DATE
Find the birth date hidden in this newsletter.
If it’s yours, be the first caller and you’ll receive
$50 deposited to your FTFCU share account!
Sign Up for NetTeller
& Bill Payer
NetTeller is our free online banking service. Look up
your balances, make transfers, print cleared check
images - and much more – from anywhere that you have
internet access!
Bill Payer lets you pay your bills online, saving you both time and postage costs.
You control the amount and timing of your payments. Bill Payer is free with Direct
Deposit, otherwise there is a nominal monthly fee.
To learn more about these convenient services, call us at (860) 296-4379 ext. 110.
Keep Your FTFCU Membership
Remember to retain your Franklin Trust membership, even if you move away or
Save with Sprint!
leave your job. You can easily access your accounts online via NetTeller (log on to:
Both new and existing Sprint customers can
www.franklintrust.org and click on “NetTeller”), by phone (call Audio Response:
save 10% off most regularly priced Sprint
860-296-4379, ext. 1), fax, mail, and at over 4,500 credit union service centers
individual service plans! Enjoy other exclusive
nationwide (locate at: www.creditunion.net). By keeping your membership, you’ll
offers that only credit union members can
be able to compare our products and services with what others offer – and select
receive, too!
what is best for you!
Three Ways to Get Your Discount:
“Once a Member, Always a Member”…
an important benefit of your membership in FTFCU!
- Call 877.SAVE.4CU (877.728.3428) and let
them know you’re a credit union member. Ask
Visit Us On FACEBOOK!
Simply click the link on our home page
to be a part of the NACUC_ZZM Corporate ID
to save
- Click www.SprintSave4CU.com
(www.franklintrust.org) to access our Facebook
page. Or enter “Franklin Trust Federal
Credit Union” on your Facebook page.
Check us out – and “Like” us today!
- Visit your nearest Sprint store
S O M E
N I C E
C O M M E N T S
F R O M
O U R
M E M B E R S …
I would like to commend FTFCU for their professional and courteous service. Every time I call Member Services
or go in person, I receive prompt attention. I am very impressed that with such a large
institution the staff is always accommodating, friendly and knowledgeable. I can
always rely on Franklin Trust to meet my needs and MORE than my expectations. In
particular, Jessica Sposito, who has such a terrific personality as well as a great knowledge
base in her area, is my go to person. Thank you for making my association with Franklin Trust a pleasant
and rewarding experience.
Sincerely, N.N. – Willimantic, CT; Member since 2009
My wife and I have been members of FTFCU since the mid-90's. We have always been very happy with
their services and products. In 2011, we had two occasions where we needed to do some emergency
refinancing. On both occasions, the staff of the Loan Department went above and beyond to make
the process easy and painless. Jessie, Maria, Kabita, Dawn and all the associates were outstanding.
They kept us informed through the whole process and worked diligently to clear up some minor
issues. I have friends who complain how their banks (the BIG ones) seem to take forever when doing
something for them. They are in AWE when I tell them how quickly the FTFCU staff was in taking care of
me. There is no better way to bank than with FTFCU. You folks are THE BEST. Thanks for all you do.
Sincerely, J. J. – Burlington, CT; Member since 1996
Health Savings Account
Our Health Savings Account (HSA) affords you flexibility and
control over your health care costs. Among the many benefits of
having an HSA are your ability to deduct your contributions, your
earnings accumulating on a tax-deferred basis, and distributions
being tax-free if they are used for qualified medical expenses.
Plus, you can contribute at any time, with your balance rolling over
from year to year. If you experience a job change, you will be able
take your account with you.
For details about all the benefits of an HSA, drop by any FTFCU
Save up to 20% on the
Cost of Your Electricity!
office or call us at (860) 296-4379, ext. 110.
Franklin Trust Federal Credit Union
wants you to pay a lot less for electricity.
In Connecticut, you can now save up to
20% on the generation portion of your
electric bill. Enrollment is FREE, easy and there’s NO CATCH!
Sign up by going to www.franklintrust.org and click on the
“Discount Power” button on our home page. All you need is a
copy of your electric bill. Simply fill out the residential enrollment
form and submit your application. An email from Discount Power
will provide a link to confirm your enrollment. Your request is then
“CLUB 75”
You can earn up to .75% deducted from your new loan rate (VISA,
Qwik Cash, Home Equity, HELOC & Overdraft Protection excluded) and/or up to
.75% added to your new certificate rate in Club 75. In addition,
you can enjoy free or discounted costs on many items, such as
GAP Insurance, VISA gift cards, money orders, and traveler’s
checks.
submitted to your utility provider to let them know you have
switched your generation provider. On the next meter read date,
the change will go into effect. You will see the savings on your bill
once you have gone through a full meter read cycle. Of course, you
Club 75 points are automatically awarded depending on the
Franklin Trust products and services you use. Maximum benefits
are achieved when you reach our Platinum level, which is 75
points.
are welcome to bring your electric bill to any Franklin Trust office.
We would be glad to answer any questions and help you sign up.
We started Club 75 in 2009, as part of our 75th Anniversary
celebration. For details or to check your Club 75 level, drop by any
Sign up today – and start saving!
of our offices or call us at (860) 296-4379, ext. 110.
Board of Directors Nominee:
Stephen Edgerly
What do you know about Franklin Trust Federal Credit Union?
In 1934, a group of teachers organized a credit union for the
purpose of saving and to be able to enhance their lives. I also know
Franklin Trust is currently the fourth oldest federal credit union in the
country (how proud we are). I’ve also seen the number of services
that are offered by the credit union increase over the years and now
offer over 50 member services. I’ve seen the credit union grow to
multiple branches to be able to serve areas and members in the
Greater Hartford area. We were the first credit union to have offices
in the schools in Hartford to help educate the students on financial
matters and to get them involved in how the credit union serves its
member-owners (students work at those branches within the
schools). These are some of the things I know about Franklin Trust
Federal Credit Union.
Why do you want to serve on the FTFCU Board of Directors?
I have been involved in the credit union movement for a number
of years. I have seen how beneficial being a member-owner and
volunteer can be, and the rewards that can come from helping
our members. I have worked closely with some of our members
through the labor movement. I have seen the credit union grow
and I would like to continue serving on the Board and be part of a
very progressive group of people trying to help those served and
underserved within our community. I am asking the nominating
committee to consider nominating me for the board of directors
What qualifications and skills
do you possess that could be
beneficial should you be
appointed?
In 1967, I became a
member of a local manufacturing credit union and was a member
there for twenty-two years. I served on the credit committee and the
loan committee until we were fortunate enough to merge in 1989
with Central Connecticut Teachers Federal Credit Union. I’ve been
a member of this credit union for twenty-three years and a credit
union member continuously for a total of forty-five years. I was
elected to the board of directors in 1992 and have served as
director, then Vice-Chairperson for the last twenty years. I have
been involved in deciding the present logo that is seen on all the
stationary, as well as the name change to Franklin Trust Federal
Credit Union. I’ve seen many improvements to our credit union. One
example is when we needed more parking spaces for our members.
The board OK’d the purchase of the adjacent property to enhance
the parking area. Another example was the renovation to the
lobby/member service area (how cool was that)? I have attended the
strategic planning sessions every year, plus many conferences and
educational seminars. I have served on various committees and the
Board of Directors over the years. I would like to continue serving on
the BOD and to be involved in moving the credit union forward.
Thank You Member-Owners!
We Want to Hear from You
Now the fourth-oldest federal credit union in the nation, Franklin Trust has been a
stable, dependable and trustworthy financial institution since 1934. No memberowner has ever lost a penny of insured savings with us. We will be here for
you and your family in the years ahead, providing top-notch service for
all your financial needs. 1/17
Please let us know if you have an idea
that would improve our credit union. You can
use the Suggestion Boxes in any of our
offices, or email your comments directly
to our President, Kiernan J. Dubay, at
We extend a warm ‘Thank You’ to all our member-owners. We are here
[email protected].
for you – and without you there would be no credit union.
Employee
Spotlight
Keily Roman
Keily Roman has worked in a variety of areas at Franklin Trust Federal Credit Union,
since joining the staff in January, 2001. From teller to loan processor, to data processor
to accounting clerk, she has done a great job.
“I’ve learned a lot of things,” says Keily. “I especially love the teller area, and the
interaction with our members.”
Born in Puerto Rico, Keily moved to Hartford with her family at the tender age of 9.
A graduate of Bulkeley High School, she still calls The Capital City home.
Away from work, Keily enjoys going out to eat, watching movies (romantic comedies), clothes shopping,
“anything outdoors” (the beach!), and sharing special times with her two daughters. Trips have included
visits to Walt Disney World, Myrtle Beach, and Washington, DC.
At Franklin Trust, we’re glad that one of Keily’s excursions brought her to our credit union!
Franklin Trust Federal Credit Union
Main Office
632 Franklin Avenue
Hartford, CT 06114
Serving Our Member-Owners Since 1934
EARN
$500 CASH OR MORE
Refinance with us!
(Look inside!)
WIN $50
FIND YOUR BIRTH DATE
(Details inside!)
Also visit us at…
Downtown Hartford Office 277 Asylum Street (at High School, Inc.)
www.franklintrust.org
Winner
Like us on
facebook!
Upcoming Holiday Closings
Member Services
GOOD FRIDAY & EASTER HOLIDAY
Friday, April 6-Sunday, April 8
SAVINGS
LOANS
ADDITIONAL SERVICES
Share Savings Accounts
Home Equity
Home Equity
Line of Credit
Direct Deposit
of Net Check
Check Images Online
Checking Accounts
Payroll Deduction
Electronic Rates Boards
NetTeller
Internet Banking
Kiosks
Shared Service
Centers
Night Drop Box
MEMORIAL DAY
Monday, May 28
INDEPENDENCE DAY
Wednesday, July 4
LABOR DAY
Monday, September 3
COLUMBUS DAY
Monday, October 8
VETERANS DAY HOLIDAY
Monday, November 12
Gold Star Money
Market Accounts
Mortgages
Term Share Certificates
Automobile
Individual Retirement
Accounts (IRAs)
Personal
Christmas/Holiday Club
Accounts
Heating Helper
Vacation Club Accounts
Health Savings Accounts
Coverdell Education
Savings Accounts
Lifestyle
Green
Qwik Cash
“FRED on the Move”
mobile banking
Overdraft Protection
On-Line Bill Payer
Quinceanera
VISA Classic, Gold &
Platinum
Youth Accounts
March Club
Summer FUNd Club
VISA Club Accounts
Contact Us
MAIN OFFICE
632 Franklin Avenue, Hartford, CT 06114
Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m.
Wed.: 10:00 a.m. - 1:00 p.m.
Thursday: 7:00 a.m. - 6:00 p.m.
Saturday: 9:00 a.m. - 12:00 noon
Sunday: 1:00 p.m. - 3:00 p.m.
NO SUNDAY HOURS:
MEMORIAL DAY through LABOR DAY
WEST HARTFORD OFFICE
CLOSED
“FRED” Franklin Remote
Electronic Deposit
DOWNTOWN HARTFORD OFFICE
277 Asylum Street, Hartford, CT 06103
Mon., Tues., Thurs., Fri.: 9:30 a.m. - 4 p.m.
Wed.: 10 a.m. - 1 p.m.
Phone: (860) 541-0088 Fax: (860) 541-0095
The following branches are active when school is
in session (for students, staff & employees only):
BULKELEY HIGH SCHOOL BRANCH
300 Wethersfield Avenue, Hartford, CT
Tues. & Thurs.: 9:00 a.m. - 12:00 p.m.
HARTFORD PUBLIC HIGH SCHOOL BRANCH
55 Forest Street, Hartford, CT
Tues. & Thurs.: 1:00 p.m. - 4:00 p.m.
VISA Debit Card
VISA Gift Card
E-Statements
Audio Response
Drive-Up Window
Identity Theft Protection
Accident and Health
Insurance
Life Insurance on Loans
Long-Term Care
Insurance
Temporary Disability
Insurance
Traveler’s Checks
Financial Counseling
Notary Service
to Members
General Information: (860) 296-4379
Loan Dept. Extensions: 107 & 114
Audio Response Extension: 1
Toll-Free: (866) 835-8485
Fax: (860) 761-1980
Email: [email protected]
Website: www.franklintrust.org
Facebook: Franklin Trust Federal Credit Union
MySpace: www.myspace.com/ftfcu
Shared Service Centers Locator: www.creditunion.net
Surcharge-Free ATM Locations:
www.co-opnetwork.org • www.sum-atm.com