@ 4.19% @ 2.19% - GENCO Federal Credit Union

4th Quarter 2015 report
AN AUTO
REFI IS A
SMART
DECISION!
The building
blocks of your success
1) Advantage checking
qualifications per cycle include:
Enroll in Home Banking. Post and
clear ten (10) MasterCard Check
Card transactions. Have one direct
deposit or ACH debit (electronic
debit) from your GENCO
Advantage Checking account
clear and post. Enroll and receive
electronic statements. Free ATM
use nationwide up to $25 per
cycle. Certain restrictions apply.
2) No purchase necessary to
register for a chance to win cruise
vacation. Trip offer is good for a
$1500 voucher applicable to a
cruise with Carnival Cruise lines.
Not redeemable for cash. Voucher
good through October 31, 2016.
Drawing will be held no later than
November 30, 2015.
3) $50 minimum deposit to open
an Advantage Checking account.
You must keep the Advantage
Checking account active for 90
days to receive the $50 cash
bonus. The requirement for this
offer is a minimum monthly Direct
Deposit of $250. Offer does not
apply to secondary or multiple
checking accounts or to members
who have closed a checking
account within the last 90 days.
4) Advantage rate 1.00% Annual
Percentage Yield (APY) paid on
balances between one penny and
$25,000 and 0.40% APY paid on
all amounts above $25,000 each
cycle the minimum qualifications
are met. If you do not meet the
qualifications per cycle, your
account will still function as a
free checking account earning
Base Rate 0.05% APY; however,
other account features will not
apply. Cycle is qualifying cycle.
For complete product details,
call, visit our website, or visit any
GENCO FCU office. Rate subject
to change. Fees could reduce
earnings.
By submitting an entry to this
contest, brought to you by GENCO
FCU, the entrant acknowledges
and agrees to all of these official
contest rules. For a complete
list of rules, visit our website
at gencofcu.org. Membership
eligibility required. Void where
prohibited. Offer good through
October 31, 2015.
dup to Your NEW
ul
co
at
th
save you
payment
monthly
s
th
n
o
m
over 63
savings
Sample Loan amount
$28,500 @ 63 months
4.19%
- $479.52 @ 2.19%
$504.98
$25.46
@
ll Pass
Get ayoHa
ur payments too!
on
DAYS NO
PAYMENT
Have no details - rates? 90 day no pay offer?
*APR = Annual Percentage Rate. Subject to credit approval, membership eligibility and loan policies. Annual Percentage Rate subject to change
without notice. Some restrictions apply. Excludes existing GENCO FCU loans, real estate, motorcycle, recreational vehicle, commercial vehicles,
indirect and business loans. Payment example: $28.66 per $1,000 financed at 1.99% for 36 months. Offer ends 11/30/15.
Open your Advantage Checking
Account1 before October 31st,
2015 and you will automatically be
registered for a chance to win a 7
day dream vacation2 for two to the
Caribbean!
CRUISE INTO
SHIP OUT A WINNER!
Take Advantage of GENCO’s offer and you’ll receive
$503 cash deposited into your new Advantage
Checking Account!
Advantage Checking offers you:
•FREE ATM use nationwide1
(up to $25 per cycle)
•FREE Online Banking
•FREE Bill Pay
•1% Annual Percentage Yield (APY) paid on balances up to ($25,000)4
Open your Advantage Checking
Account and ship out a winner! Visit
with a Financial Service Representative for
complete details on this offer.
cash checking offer
e x p e c t
b e t t e r
p r e s i d e n t ’ s
m e s s a g e
You only need to look as far away as my Fitbit-clad wrist (and the wrists
of many of my colleagues) to know that there’s a huge, growing health
and fitness movement. And the push is less about making sweeping, drastic,
“quick-fix” changes that can be difficult to maintain - it’s about paying more
attention, every day, to seemingly basic things like how many steps you’re
taking, or how much water you’re drinking. This kind of steady attention can lead
to dramatically better health over time.
At GENCO, we’ve been making strides toward excellent health over the past several
years. When it comes to your money, we aren’t looking for quick fixes. We’re looking to do the right
thing now, and make that right thing sustainable for the long term.
Recently, we were named one of the
Top 200 healthiest credit unions in America
by DepositAccounts.com.
Ranking #9 in the State of Texas!
Each year, the staff of DepositAccounts.com evaluates the
financial health of every federally insured credit union in the
United States - more than 6,600 total. The credit union industry is
already very healthy, so it says a lot to be in the top tier. For more
information you can visit DepositAccounts.com or link to it from our
websites news page.
As always, we appreciate
your loyalty and we’re proud
you’ve chosen GENCO as your
financial services provider.
Sincerely, Neil Ling,
President
Nominating Committee Information
GENCO Federal Credit Union Board Chairman Robert Black has appointed the
nominating committee for 2016. The committee is composed of Jerry McDonald,
Jerry Cross and Ronnie Selman, Chairman. They are responsible for nominating
individuals for vacant or expiring terms on the Board of Directors. If you are
interested in being nominated for an open or expiring position, please submit
your qualifications, biographical information and a statement of willingness to
serve to the address listed below:
Attention: Nominating Committee
GENCO Federal Credit Union
P.O. Box 7246
Waco, TX 76714-7246
The submission deadline is 5:00 p.m. Friday, November 20th, 2015.
Healthiest Credit Unions 2015
Congratulations
members of GENCO.
According to 2015
DepositAccounts
edition - we are
included as one of
its Top 200 Healthiest
Credit Unions in
America.
Annual Meeting
Information
The 2015 Annual
Meeting will be
held at the Waco
Convention Center, in
the Brazos Room.
Saturday
MARCH 19, 2016
6:30pm Meeting
7:00pm Dinner
w w w . g e n c o f c u . o r g
skipping rope is physically wise...
skipping your payment
has fiscal benefits too!
If you’re in need of some extra cash, we’ve
got a better way for you to get it. Skip a loan
payment! Yes, we’re really letting you skip one
payment on eligible GENCO loans. You may choose
November, December 2015, or January 2016 to skip your loan payment. Consider it
a holiday bonus for being such a valued member.
All you have to do is complete a skip-a-pay loan extension agreement. Interest will
continue accruing on your loan(s), but you will not be penalized with late fees. If
your payment is usually deducted from your paycheck automatically, we will put
that amount in your GENCO account when your payment would normally be due.
Applying is easy. Call or visit any branch for your application.
This year GENCO will be
sponsoring the Calf Scramble
each night of the rodeo!
It’s that time of year again and we are
geared up for the Heart of Texas Fair
& Rodeo. From October 3-12, prepare
for some of the best
cowboy and cowgirl
action Central Texas
has to offer.
The building
blocks of
your success
Subject to approval. Lineof-credit, balloon loans,
commercial/business
loans, single pay, home
improvement, home
equity, real estate,
MasterCard and any
delinquent loans
excluded. Interest accrues
on all loans effected by
this agreement. Skipping
a loan payment may affect
the amount of GAP claims.
May cause maturity date
extension. Please note
all signers on the loan
are required to sign this
extension agreement.
CONGRATS
ROBERT!
Best wishes to
you and yours
during the
upcoming
holidays from
the entire
GENCO staff!
GM of KWTX Robert
Lepping won our door prize
at the Waco Chamber
Smoozapalooza event.
In coordination with our
Advantage Checking
Account Cruise Giveaway we
raffled off a travel suitcase.
holidays
presented by
Columbus Day
October 12
VA Regional
Office Federal Credit
Union
This summer
we welcomed
our newest
members to GENCO through a merger
with the VA Regional Office FCU in Waco.
The merger was finalized on August 1st. The
VARO FCU was founded in August 1949 and
proudly served its members for 66 years.
We are excited about the opportunity to
become your new financial partner and
carry on that great credit union philosophy
of “People Helping People.” For more
information regarding the merger, please visit
the VARO FCU page on GENCO’s website at
www.gencofcu.org
A perfect
10 year
performance!
If this were an Olympic
year, we would be
handing out gold medals
to all our great members and
GENCO’s incredible staff in Lufkin!
Kudos to all of you for 10 straight years
as the BEST Credit Union in Lufkin.
Veterans Day
November 11
Thanksgiving
November 26
Christmas Eve
December 24 @ 1pm
Christmas
December 25 & 26
New Year’s Day
January 1, 2016
GENCO Federal Credit Union
P.O. Box 7246 • Waco, Texas 76714-7246
Valley Mills Drive Office
731 N. Valley Mills Drive
Northeast Branch Office
1500 N. Loop 340
Lorena Branch Office
230 N. Frontage Road
Woodway Branch Office
105 Archway Drive
Federally
Insured By
NCUA
Your savings
federally insured to
at least
$250,000 and
backed by the full
faith and
credit of the United
States Government.
why
a refi works!
Lufkin Branch Office
1402 S. John Redditt Drive
Congratulations to
Jennifer Lavender and
Paul Teichelmann - they
were our two 0% interest
winners from our recent
HERO auto refi promotion!
Lufkin State School Branch Office
Highway 69 N. Central
(254) 776-9550 or (800) 922-6428 (936) 637-7710
www.gencofcu.org
IMPORTANT NOTICE
Waco Carnival
REGARDING CREDIT INSURANCE:
For members insured with Credit Insurance,
coverage terminates on the last day of the month
during which you reach the Termination Age of
70 for Credit Life and 66 for Credit Disability.
October 29, 2015
6:30 p.m. – 8:30 p.m.
Waco Lions Den
The GENCO
Halloween Carnival is back! And It’s
Spooktacular!
MUSCULAR DYSTROPHY ASSOCIATION
Raffle tickets are on sale at all of our
Waco branches for the MDA. Grand
Prize is a Harley Davidson Sportster Iron
883 XL883N motorcycle. 2nd prize is a
$250 gift card from HEB
and 3rd prize is a CoolerFridge. All proceeds
benefit the MDA. $10 per
ticket or 11 for $100.
Lufkin Carnival
October 29, 2015
6:30 p.m. – 8:30 p.m.
Lufkin First Assembly of
God Church
Enter into our haunted hallway and you’ll discover what fun lies ahead. It’s a
safe place for your children to do their trick-or-treating and it includes plenty of
food, fun and excitement. Plus, we are giving a prize for the best costume!
This carnival is for Safari Club members only. If your kids are Safari Club
members, look for your invitation in the mail. Make sure we have
your most current mailing address on file at GENCO so you can
receive your personal invitations. This is now made easier by our
new internet banking. Just go to NetBranch and update your
address today!
If your child is not a Safari Club member just come by any
branch and open a Safari Account today.
Colossal
Kids can win a
Stocking Full of Toys
Do you know
someone who would
love to own a larger
than life Christmas
Stocking filled to the
brim with toys?
Here’s your chance to make that dream come true. Stop by a GENCO branch between
November 16th and December 19th and fill out an entry form to win a colossal stocking.
You may enter one time at each GENCO branch, but you can only win one stocking.
Winners will be notified by phone. GOOD LUCK!