4th Quarter - Greater TEXAS Federal Credit Union

NEWSLETTERFALL 2015
Insights
Fall
Fall 2015
2015
Serving
Serving Texas
Texas Since
Since 1952
1952
Your
Your Financial
Financial Partner
Partner for
for Life
Life
SAVE THE DATE: 2016 ANNUAL MEETING
The 64th Annual Meeting will be held on Thursday, February
18, 2016 at our new location, the Asian American Resource
Center, 8401 Cameron Road in Austin. This Annual Meeting
we will celebrate and honor Tommy Seargeant, President/CEO
of Greater TEXAS Federal Credit Union who will retire December 31, 2015.
As tradition holds, a barbeque dinner will be served at 5:30
p.m. Tickets for the dinner go on sale January 4, 2016 and are
$3 in advance and $6 at the door. The meeting will start at
6:30 p.m. and conclude at approximately 7 p.m. with a reception to honor Mr. Seargeant. All members are invited and
encouraged to attend this special meeting. Members over the
age of 16 are entitled to vote.
The Nominating Committee will meet soon to review possible
candidates for the expiring terms on the Board of Directors. The
committee consists of Benjamin Moreno, Chairman, Reynaldo
Morales and Damon Holditch. If you would like to be considered for a position on GTFCU’s Board of Directors, please
contact Alesha Willis at 512.458.2558 ext. 1150 for an application. Please mail your completed application by December 1,
2015 to:
NOMINATING COMMITTEE
c/o GTFCU, ATTN: Alesha Willis
6411 North Lamar Blvd.
Austin, TX 78752-4088
KYLE BRANCH NOW OPEN
Our new state-of-the-art facility in Kyle, Texas located
at 5433 Kyle Center Dr. is now open for business. This
new branch features two drive-thru lanes and a
full-service lobby with remote and traditional teller
stations. The branch also has a 24-hour drive through
ATM available to the public and our members. All of our
member services are available in the lobby including
safe deposit boxes. Loan applications for all types of
loans can be initiated at this new facility with a quick
response from our loan department.
This new branch is part of the nationwide shared
branch network. This means any member of one of the
participating credit unions can use this branch to
conduct business with their credit union. As a member
of the CO-OP Shared Branch network we are part of an
organization with over 5,000 locations across the nation where you,
our member, can do business.
www.gtfcu.org
NEWSLETTERFALL 2O15
WELCOME
TO A NEW WAY TO PAY
Your GTFCU and ACU debit card and Apple Pay will change the way you pay
Pay with a single touch
It’s a snap to get started
Use Apple Pay™and your favorite credit union Visa®debit
card to pay the easy, secure and private way to hundreds of
thousands of stores and participating apps.
Make sure your iPhone6®, iPad Air 2 or iPad mini 3
has the latest version of iOS 8
A secure way to pay
Rest easy. Apple Pay transactions are authorized with TouchID
™thumbprint security or your passcode, and transactions
never use your card number.
1. Add your Greater TEXAS Federal Credit Union or
Aggieland Credit Union debit card to Apple Pay…It’s easy
2. Use it within apps or hold your device near a
contactless reader with your finger on the TouchID
Merry MONEY LOANS
Get prepared for this holiday’s wish list with a credit union Merry Money Loan. Beginning October 1 thru December
31, 2015 members may apply for a Merry Money Loan of up to $2,500 at an interest rate of 10.9% APR with a 10-month
term note1. Merry Money loans will be funded on November 2, 20152 with the first payment delayed up to February 5, 2016.
A minimum amount of $500 must be requested, with a minimum payment of $55 per month. Members may apply for only
one Merry Money Loan per holiday season. Apply online 24/7 by completing our “Merry Money Loan” application.
1 APR=Annual
2
Percentage Rate. Ten (10) monthly payments of $110 per $1,000 borrowed.
Pending receipt of signed loan agreement. All Merry Money Loans must be funded by December 31, 2015.
SKIP-A-PAYMENT NOW OFFERED YEAR ROUND
Your credit union membership just got even better thanks to
our Skip-a-Pay option! Qualified borrowers now have the
opportunity to free-up extra cash by skipping a pre-designated
loan payment for just $25 per loan per month. A small cost for
a big boost to monthly cash flow for unexpected expenses or
other financial needs. Contact our loan department for specific
details at 800.749.9732 ext. 1002 or visit us online for the
Skip-a-Pay form.
Skip-A-Pay requests should be received at least five (5) business
days before the payment due date. Delinquent loans are not
eligible for the Skip-A-Pay program. Skip-A-Pay requests are
subject to approval. You must be current on all loans. You must be
a ‘member in good standing’ with no negative account balances.
Interest will accrue and repayment term will be extended. All
terms and conditions of the loan still apply. Loans with co-signers
will require both signatures on the Skip-A-Pay request form. Only
two (2) skipped payments are allowed on any loan in a single
calendar year. Mortgage loans, Home Equity loans, Home Improvement loans, Lot/Land loans, Mobile Home Loans, Merry Money
www.gtfcu.org
loans, Higher Education loans, Fresh Start Program loans, and loans
paid through the credit disability policy are excluded from the Skip-APayment program. A minimum of one (1) payment on a loan must be
made before that loan is eligible for a Skip-A-Payment deferment. If
you ‘skip’ November and December of a calendar year, then you must
make a payment in January of the next calendar year before you are
eligible for another ‘skip’ month.
WELCOME NEW BOARD MEMBERS:
Marilyn Eaton & Veronda L. Durden join
Greater TEXAS Federal Credit Union’s
Board of Directors. Ms. Eaton was
appointed to fill the vacancy resulting
from the death of Jane L. Woods. Ms.
Durden was appointed to fill the vacancy
resulting from the recent resignation of
Charlotte Schneemann.
Marilyn Eaton
Veronda L. Durden
NEWSLETTERFALL 2015
GTFCU ANNUAL ERROR RESOLUTION NOTICE
In case of errors with or questions concerning your electronic transfers, please telephone us at 800-749-9732 or write us at Greater
TEXAS Federal Credit Union 6411 North Lamar Blvd. Austin,
Texas 78752 as soon as you can. Call or write us if you think an
electronic transfer or transaction appearing on your statement or on
a receipt is incorrect or if you need more information about a transfer or transaction listed on your statement or receipt. We must hear
from you no later than 60 days after we sent the FIRST statement on
which the transfer or transaction appeared. When calling or writing,
please follow these three steps:
If we need more time, however, we may take up to 45 days to
investigate your claim. If we decide to use more than 10 business
days to conduct our investigation, we will credit your account
provisionally on the 10th business day (or earlier) for the amount
you are questioning. You will have full use of those funds during
the course of our investigation. If we ask you to put your claim or
question in writing or we ask you to complete a formal written
claim on our standard forms and we do not receive it within 10
business days, we will still conduct an investigation but we may
not provisionally credit your account.
(1) Tell us your name and member number.
(2) Describe the transaction or transfer and explain as clearly
as you can why you believe it is incorrect or why you
need more information.
(3) Tell us the dollar amount of the transaction or transfer.
For all new accounts, non PIN-related debit card transactions, or
foreign-initiated transactions, we may take up to 90 days to investigate your claim. For new accounts, we may take up to 20
business days to provisionally credit your account for the amount
you are questioning.
If you tell us orally, we may require that you send us your claim or
question in writing within 10 business days. We may also require a
formal written claim on our standard forms to be completed and
submitted to us within 10 business days.
We will notify you of the results within three business days after
completing our investigation. If we determine that an error
occurred, any provisional credit will become permanent. If we
determine that no error occurred, we will send you a written
explanation and retract any provisional credit in 5 business days.
You may ask for copies of any documents we use in our investigation.
We will determine if an error occurred within 10 business days after
we hear from you and will make a prompt correction if necessary.
GOODBYE TRAVELER’S CHECKS, HELLO EZFOREX!
Effective January 1, 2016, Greater TEXAS Federal Credit Union will no longer offer Traveler’s checks.
Our partnership with eZforex.com provides the ability to exchange currency before you travel abroad. eZforex is a convenient, safe and
secure method of purchasing foreign currency for 100+ countries without paying exorbitant fees found in airports, hotels and currency
exchange outlets found throughout the world. Visit ezforex.com to learn more.
PEOPLE HELPING PEOPLE
Experience International Credit Union Day at GTFCU
On October 15, 2015, credit union members around the world will
celebrate International Credit Union Day®, an annual event to
commemorate the credit union movement’s impact and achievements. In honor of this special day, GTFCU/ACU invites our members to stop by your local branch on October 15, 2015 to celebrate
International Credit Union Day® with light refreshments.
"'People helping people' has always been central to credit
unions' existence," said Brian Branch, World Council
President/CEO. "This timeless concept resonates well with all
generations, especially young adults who strongly value socially
responsible organizations that put people before profit."
"Every day credit unions make an incredible difference in the
lives of their members," said Jim Nussle, CUNA President/CEO.
"ICU Day celebrates the power of our movement, our dedication to the cooperative principles, and commitment to serve
the best interests of the more than 100 million credit union
members in the United States."
Those familiar words, "People Helping People," are ingrained in
credit union speak and characterize many cooperative principles.
We hope you’ll join us in the celebration!
Copyright 2015 Credit Union National Association Inc. Information subject to
change without notice. For use with members of a single credit union. All other
rights reserved.
www.gtfcu.org
NEWSLETTERFALL 2015
EOQ
Congratulations to Kimberly Gaines, the 3rd quarter 2015
Employee of the Quarter. Kimberly is the Teller Supervisor at
the Southwest Parkway Branch in College Station. She was
nominated for EOQ because she has an inspiring attitude
and is kind, sympathetic, and treats everyone as if they were
family. She brings a new level of upbeat professionalism to
the credit union and always puts the members first. Way to
go Kimberly!
Holiday
CLOSINGS
Monday, October 12th
in observance of Columbus Day
Wednesday, November 11th
in observance of Veterans Day
Thursday, November 27th
in observance of Thanksgiving Day
Thursday, December 24th
in observance of Christmas Eve
Friday, December 25th
in observance of Christmas Day
B OA R D O F DIRECTO RS
Ch ai rman .......................................................Pe n n y V . R y c h e t sk y
First Vi ce C hairman .................................Dan ie l K ade r k a
Seco nd V ice C hairman ............................W e sle y Ye age r
Trea surer .......................................................L ar r y F ish e r
Secretary .......................................................Do r o t h y e Har r iso n
Mem bers ........................................................M ar ily n Eat o n
V e r o n da L . Du r de n
S up e rv isor y Commit te e
Chai rman .......................................................F lo r a F e ar o n
Secretary .......................................................L in da L o t h r in ge r
Mem bers ........................................................S t e ph e n M aso n
N o r m G o dw in
Ma nagement
Presi dent/C EO .............................................T o m m y D . S e a r g e a n t
Senior Vice President/CFO ........................Mike Miller
Sr. VP Aggieland/Branch Operations .....Jaso n G o o dman
Seni or Vice President/CL O ...................L a r r y H u d s o n
V P o f Information Tec h n o lo g ie s .......C ar o ly n M u ise
V P, H u man Resources .............................T a m m y L . C a r t e r
Insig hts i s a n o f fi c i a l p u bl i catio n o f G reater TEX AS Fed eral C red it Uni on
f or the s o l e u s e o f i t s m e m bers. Ed ito r/ V P , Marketin g , Bran d y C o nway.
BRANCHES
AND MORE
Arlington
Branch Manager: Reagan Martin
910 East Road to Six Flags
Arlington, TX 76011
(817) 548-0584
Austin – Main Office
6411 North Lamar Blvd.
Austin, TX 78752-4088
(512) 458-2558
1-800-749-9732
Austin – Airport
Branch Manager: Claudia Esquivel
1180 Airport Blvd.
Austin, TX 78702
(512) 458-2558
Austin – Winters
Branch Manager: Monica Caudle
701 W. 51st St., Section F
2nd West
Austin, TX 78769
(512) 438-4750
Bastrop
Branch Manager: Jill McNabb
115 Hunters Crossing Blvd.
Bastrop, TX 78602
(512) 332-2391
Metro (512) 303-6045
Bryan
Branch Manager: Tina Muth
2127 E. William J. Bryan Pkwy.
Bryan, TX 77802
(979) 696-1440
Cedar Park
Branch Manager: Mystel Jensen
1600 N. Bell Blvd.
Cedar Park, TX 78613
(512) 458-2558
Online Loan Applications
Apply for a loan 24/7 by visiting our website.
Mobile App
All of the same great features of online banking
now available on your Apple or Android mobile
devices. Download our free mobile app at
the Apple Store or Google Play.
GTCall 24 - hour Account Access
Automated voice response system
lets you check your balance, transfer
money, even apply for a loan, all over
the phone, from anywhere in the world,
24 hours a day, 7 days a week, free!
Austin: (512) 451-5195
Nationwide toll-free: 1-800-749-0179
College Station –
Southwest Parkway
201 Southwest Pkwy. E.
P.O. Box 10091
College Station, TX 77840
(979) 696-1440
1-800-999-0310
College Station – Northgate
Branch Manager: Jason Nowak
501 University Drive W.
College Station, TX 77840
(979) 696-1440
Dallas
Branch Manager: Maida Hodge
1317 Empire Central
Dallas, TX 75247
(214) 688-5504
Edinburg
Branch Manager: Susana Rodriguez
416 South Jackson Rd.
Edinburg, TX 78539
(956) 316-8334
Houston-290
Branch Manager: Shirley Geary
5305 Bingle Road
Houston, TX 77092
(713) 895-8659
Houston – Polk
Branch Manager: Maria Ortega
5425 Polk St. B
Houston, TX 77023
(713) 923-5336
Internet Access
www.gtfcu.org
www.aggielandcu.org or
www.freecuatms.org
for many more FREE or NO-FEE ATM
locations. You can use your ATM card
at PLUS machines worldwide, but if
you use machines other than the ones
listed above, the first five transactions
per month (seven per month for
Golden Star members) are free, and
you will be charged $2 for every
transaction after that.
Kyle
Branch Manager: Jennifer Everett
5433 Kyle Center Dr.
Kyle, TX 78640
(512) 268-2009
Manor
Branch Manager: Suzanne Hayes
11401 US HWY 290 E., Bldg. A
Manor, TX 78653
(512) 458-2558
San Antonio
Branch Manager: Anna Olivares
3635 S.E. Military Dr., Ste. 100
San Antonio, TX 78223
(210) 337-3343
San Antonio –
Texas Transportation
Branch Manager: Colleen Whitten
6318 Callaghan Road
San Antonio, TX 78229
(210) 344-2011
San Marcos – St. John’s
Branch Manager: Araceli Cabrera
329 Cheatham St.
San Marcos, TX 78666
(512) 392-2496
For additional locations, visit
www.co-opsharedbranch.org
to locate a CO-OP Shared Branch
near you.
Federally Insured
by the NCUA