2015-02 Telconomy Overview - Baton Rouge Telco Federal Credit
Transcription
TELCONOMY April 2015 For the members of Baton Rouge Telco Federal Credit Union Serving Ascension, East and West Baton Rouge, East and West Feliciana, Iberville, Livingston, Pointe Coupee, Saint Helena and Tangipahoa parishes. Great Mortgage Rates Buying ∙ Refinancing ∙ Home Improvements Waive Appraisal Fee -or- Reduce Rate by 0.125% Offer ends 5/31/15 In This Issue: Annual Meeting Recap (2) | Meet the Board Elect (2) Great Mortgage Rates at Telco (3) Why the Limit on Transfers? (4) Borrow Smart, Buy Smart with Enterprise Car Sales (4) Federally Insured by NCUA www.brtelco.org 2 Did You Miss Telco’s Annual Meeting? 78th Annual Meeting Reports Continued Growth and Appoints New Board Members Baton Rouge Telco held its 78th Annual Meeting on Tuesday, March 10, 2015, at the American Legion Hall. Reports were given by the Chairman, CEO, and Treasurer. Win Landry (Chairman) stated, “In 1936, in the midst of the Great Depression, Baton Rouge Telco Federal Credit Union was chartered. The objective was to provide financial services to those who needed it. Today, that is still our objective.” Darryl Long (CEO) stated, “Our organization chart is the opposite of most organizations. Our front line staff is at the very top. They’re the most important because they deal daily with you.” Assets (1936 - 2014) 275 M 2014 $258,057,763 250 M 225 M 200 M 2010 $183,757,076 175 M 150 M 125 M 100 M 75 M 50 M 25 M 1940 $15,211 1950 $115,682 1960 $822,123 1970 2000 $56,957,392 1980 $1,974,434 $7,063,779 1990 $26,510,318 0 1930 In addition, the Nominating Committee nominated Pamela Delaune, Andrew Eames, and Marianne Merritt for the three vacancies on the Board of Directors. They were voted by acclamation to serve on the Board. You can read some information about them below. 1940 1950 1960 1970 1980 1990 2000 2010 2020 Photo Captions: LEFT: Jerrie Guillory enjoyed receiving a door prize. RIGHT: Tommy & Carolyn Kennedy visited with friends before the meeting began. Pam Delaune Andy Eames Marianne Merritt Pam served on Telco’s Supervisory Committee and was appointed to fill the unexpired term of Darrell Goudeau (after his untimely passing). She has been a member of Telco since 1976. She graduated from LSU in 1971 in the School of Journalism, and retired from AT&T with 30 years of service. Andy is a retired BellSouth employee. He is currently serving as the Vice-Chairman and has been a member of the Board’s Executive Committee for two years. He has been on the Board for 18 years. Andy is currently the Volunteer Executive Director of the Louisiana Lupus Foundation. Marianne is retired from South Central Bell with 43 years of service. She has been the Secretary for the Board of Directors and an Executive Committee member for the past 22 years. She has been a member of Telco since 1964. 3 Great Mortgage Rates Buying · Refinancing · Home Improvements Baton Rouge Telco Federal Credit Union is here to help you with your mortgage needs — buying, refinancing, or doing home improvements. We have two offices in Baton Rouge, one in Denham Springs and one in Hammond to help our community save money with our great mortgage rates. Our members have good things to say about the rates and service they received at Telco. Our low rates will keep your monthly payments down, putting more money in your pocket and maximizing the financial potential of home ownership. Plus, we are offering you the following: Waive Appraisal Fee* -or- Reduce Rate by 0.125%* Offer ends 5/31/15 Approval Within 2 Days “Great experience with Baton Rouge Telco. I've used them before refinancing my home and this time with a home purchase. They always had very competitive rates. Always going out of their way to help. ” — Dr. Brent Underwood “I have a home equity loan with Baton Rouge Telco. A few months ago, I called to see if Telco did home refinancing. Not only did they do them, but they had a great rate. It was a no brainer for me to refinance with Telco.” — Bobby Quick LEARN MORE AT: AUTO HOME VISA CONTACT OUR MORTGAGE SPECIALIST TODAY: Georgette Rachal (NMLS # 403488) (225) 924-8900, ext. 320 [email protected] It’s easy to apply! ONLINE www.brtelco.web-loans.com “We’ve had an open HELOC (Home Equity Line of Credit) with BR Telco since early 2008. It has allowed us to do a multitude of projects on our home, like building the shop and installing an in-ground swimming pool with spa.” — Don and Tiffany DeBenedetto CALL (225) 924-8900 STOP BY any of our four offices *Offer ends 5/31/15. Only applies to 1st Mortgages. Does not apply to a current Telco mortgage. Up to $400.00 appraisal fee will be waived, if you choose this option. Telco NMLS # 403399 4 Why the Limit on Transfers? Federal Regulation D places a monthly limit on the number of transfers you may make from your Share (Savings) Account without your physical presence being required. Transfers affected by this regulation therefore include: • Transfers made using Online Banking. • Transfers made using MANDI (audio response service). • Overdraft transfers (made automatically to cover insufficient funds in other accounts). • Pre-authorized, automatic, scheduled or recurring transfers such as ACH or EFT items for utilities, health clubs, charge cards, etc. You are allowed six such transfers per month, per share account. Transactions that are not affected by Regulation D include transfers made to Baton Rouge Telco Federal Credit Union loans, transactions done in person at a branch, or transactions sent in by mail. If your account has reached its Regulation D limit, you may still complete withdrawals and transfers in person or by mail. The Perfect Used Car Package® • 12-month/12,000 mile limited powertrain warranty2 • Vehicle Certification Receive 1.00%1 off your approved Telco rate when you buy a used car from Enterprise. • 12-month Roadside Assistance3 • Free Carfax® Reports Rates as low as 1.49% APR!1 • 7-Day Repurchase Agreement2 April 1 - December 31, 2015 A low-rate Telco car loan and Enterprise’s haggle-free buying take the stress and worry out of the car-buying experience. 6117 Siegen Lane Baton Rouge, LA 225-291-7040 800-430-6616 1: APR=Annual Percentage Rate. 1.00% off current rate. Promotional rate of 1.49% up to 72 months. This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. Current rate will vary based on credit worthiness and terms. Financing for qualified Baton Rouge Telco Federal Credit Union members. Not all buyers will qualify. Offer valid only on Enterprise Car Sales vehicles purchased 4/1/15 - 12/31/15. Lowest qualifying rate including all discounts is 1.49%. Quoted rate of 1.49% APR has payments per $1000 equal to $14.53/month. 2: Restrictions apply. See an Enterprise Car Sales Manager for details. 3: Enterprise 12-month Unlimited Mileage Roadside Assistance Package is proivided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. AIRLINE OFFICE HAMMOND OFFICE WATSON OFFICE WOODDALE OFFICE 13404 Airline Hwy. 32839 LA Hwy. 16 2226 Wooddale Blvd. 1115 W. University Ave. Baton Rouge, LA 70817 Hammond, LA 70401 Denham Springs, LA 70706 Baton Rouge, LA 70806 (225) 924-8900 (225) 924-8900 (225) 924-8900 (985) 542-8086
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