Spring 2015 - Fortera Credit Union

Spring 2015
MONEY TIPS
A WORD FROM THE TOP
By the time you read this, Spring
will have come and tulips will be
peeking up through the ground –
finally!
winter, getting the pool ready for summer, looking at
new houses, and planning summer vacations. We can
help with many of those projects.
We have low-cost home equity loans for new
This winter has been a rough landscaping projects or new pools, signature loans
one in the five counties we serve and low-rate credit cards for your vacation needs, and
in Tennessee and Kentucky.
great loan rates for that new
Snow, ice, and freezing cold
car, boat, or motorcycle. Also,
temperatures made traveling an
don’t forget about our semiadventure and just doing normal
annual auto loan refinance
Last year, we saved
activities challenging. Purchases
promotion starting in May. Last
members
tens
of
of all consumer and durable
year, we saved members tens of
goods are down for many local
thousands of dollars in interest
thousands of dollars
businesses due to the weather.
payments, and we want to help
in
interest
payments,
As your Credit Union, we also
even more people this year. So, if
have to deal with the effects the
you have a vehicle loan financed
and we want to help
weather has on our members’
somewhere else, give us a call. It
even
more
people
financial needs. We closed the
could be the most valuable call
Credit Union twice because
,you make this year.
this year.
the icy weather made travel
As someone who grew up
dangerous for our staff. We also
in Wisconsin, I know tough
closed early a few times to ensure
winters are no fun and they
our staff could get home safely.
seem to last forever. The only good thing about Winter
I hope you were not inconvenienced too much by our is that it ends with Spring. And, Spring in Tennessee
closings. We always want to be available when you need and Kentucky is a beautiful thing. Enjoy it and let us
us, but member and employee safety are paramount in know if we can help make any of your warm weather
my mind when weighing the decision to close.
projects and purchases a little easier.
Tom Kane
President/CEO
As the weather warms and we can stop watching
the weather so closely, we can begin our spring and
summer projects — fixing up the house after the hard
Thank you for your support and patronage!
Tom Kane
Meet the 2015 Member Advisory Boards
Member Advisory Boards are an important group of
volunteers who serve in an advisory capacity to Fort
Campbell Federal Credit Union. The Boards serve as a vital
link between the Board of Directors, staff, and membership.
Board members have a term commitment of two years;
however, they can continue to serve for a maximum of six
consecutive years.
The mission of the Member Advisory Board is to advise
Fort Campbell Federal Credit Union, on behalf of the
membership, as to how best to achieve lasting relationships
with our members and be our community’s first choice for
financial solutions by providing an extraordinary service
experience.
Clarksville Advisory Board
Front row, L to R: James Thomas, Dale Redman
Back row, L to R: Cheryl Durham, Cheryl Lemon, Fairon Merriweather,
Bobbi Knight
Not pictured: Linda Medina-Griffy, Robin Maynard
Hopkinsville Advisory Board
Front row, L to R: Barbara Martin, Robin Pollard, Lori Legaspi, Don Scott
Back row, L to R: Matt Snorton, Bob Hobson, Rick Hackwell, Vulenzo Blount
Not pictured: Jeff Taylor
Oak Grove Advisory Board
Front row, L to R: Gloria Baldwin-James, Kayla Mihalinec, Jerrika Valasquez,
Dawn Byrnes
Back row, L to R: Frank Porter, Stephanie Garner, William Moser, Richard
Glass, Bob Jackman
Not pictured: Jerome Chestnut
Refinance Your Ride
May 1-31, 2015
Refinance your vehicle at Fort Campbell Federal Credit
Union and we’ll lower your interest rate by up to 2% APR!*
Plus, no payments for 90 days!**
Until August 2015!
*APR = Annual Percentage Rate. All loans subject to credit approval. Loan must be transferred from another
financial institution and be in good standing for at least 6 months. Rate will be reduced up to 2%, but will be
no lower than 1.99% APR, and/or monthly payment will be reduced by at least $25. **Interest will still accrue
with the ‘No Payments For 90 Days’ offer. Offer valid on loan applications submitted May 1-31, 2015. Contact
Credit Union for details.
2
2
%
Investment Education
EVENTS & HOLIDAYS
SOCIAL SECURITY INCOME WORKSHOP
SHRED DAY
If you have ever asked these questions,
you will want to attend this workshop!
The Social Security Income Workshop
will help provide answers to these
questions so that you can make an
informed, well-reasoned decision
about this important part of your
retirement plan.
Please join us!
gin
when should I be
al
ci
So
receiving my
?
ts
fi
ne
be
ty
Securi
How long will
retirement last?
What if
I keep working?
Date: April 21, 2015
Time: 6:00 pm - 7:00 pm
How will my spouse
be affected?
Place: Dover Crossing Branch
145 Dover Crossing Road
Clarksville, TN 37042
RSVP: email: [email protected]
call : 931.431.2274
How Much
ceive?
l
Wil I Re
or
130 Griffin Bell Drive
What about taxes?
Hopkinsville, KY 42240
RSVP: email: [email protected]
call : 931.431.2238
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P.
(“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.
Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not
guarantees or obligations of the credit union, and may involve investment risk including
possible loss of principal. Investment Representatives are registered through CFS. Fort Campbell
Federal Credit Union has contracted with CFS to make non-deposit investment products and services
available to credit union members.
COMMUNITY CORNER
Heart Walk
Fort Campbell Federal Credit Union employees show their heart for
community and charity and become the top team in fundraising by raising
$3,925 for the American Heart Association in Hopkinsville!
Empty Bowls
The Credit Union
was a sponsor for
the Empty Bowls
Clarksville fundraising
event to help foodbased charities
fight local hunger in
Clarksville.
Here is your opportunity to help the
environment and reduce the risk of
identity theft and fraud. Come to a Fort
Campbell Federal Credit Union branch
location listed below to shred any
documents that you’d like to get rid of – at
no cost to you!
Date: Saturday, May 2, 2015
Time: 9:00 am – 12 pm
Branch Locations:
2050 Lowe’s Drive, Clarksville, TN
130 Griffin Bell Drive, Hopkinsville, KY
Visit www.fortcampbellfederal.org or
call 931.431.6800 or 800.821.5891 for
more information.
Shred bins for smaller amounts are
available all year round at our Clarksville
branches on Lowe’s Drive, Spring Street,
Madison Street, Heritage Pointe Drive,
Dover Crossing Road, in Oak Grove at
208 Segler Drive and in Hopkinsville at
our Griffin Bell Drive and Lafayette Road
branches.
OPENING LATE REMINDER
All Fort Campbell Federal Credit Union
branches and the Contact Center will
delay opening until 10:00 a.m. on
Wednesday, April 8th. For the benefit of
our members, this time will provide staff
the opportunity to meet and train as an
entire group. Thank you for your support.
ANNUAL MEETING: MAY 21, 2015
This year the annual meeting will be held
on Thursday, May 21st at 4:00 p.m. at
the Main Office located at 2050 Lowe’s
Drive, Clarksville, TN 37040. We invite
all Fort Campbell Federal Credit Union
members to attend the annual meeting.
RSVP to Lisa Thompson by calling
931.431.2166 or emailing lthompson@
fcfcu.org.
HOLIDAY REMINDERS
The Walmart Supercenter Branch located
at 300 Clinic Drive, Hopkinsville, KY,
will be open from 9:00 am – 1:00 pm on
the following holidays. All other branch
locations will be closed.
Memorial Day – Monday, May 25, 2015
Independence Day – Saturday, July 4, 2015
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LOVE YOUR SAVINGS.
Everyone is looking for ways to save money, and that’s just what Love My Credit
Union Rewards is all about.
Fort Campbell Federal is excited to offer you, our member, exclusive discounts and
benefits on products and services you use every day. Credit Union members have
already saved over $1 billion with Love My Credit Union Rewards discounts. So, along
with lower loan rates and fewer fees, here’s another way you can save even more.
Exclusive discounted pricing on most new Chevy, Buick, or GMC vehicles
with the Credit Union Member Discount from GM
 Save 10% on select regularly priced Sprint monthly service; businesses save 15% on select regularly priced
Sprint monthly service. Plus, waived activation and upgrade fees (up to $36 savings for each)
 Savings of up to 50% off other popular plans from Credit Union Auto Club
 Save up to $15 on TurboTax Federal tax products
 Save on services for your home from ADT, DIRECTV, Allied, and more
 Earn cash back when you shop at over 1,500 online retailers with Love to Shop
The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.
Fort Campbell Federal Credit Union Members:
Upon used vehicle purchase from Enterprise Car Sales.
– TWO DAYS ONLY –
Friday, April 24, 2015
8:30 a.m. – 6:00 p.m.
Saturday, April 25, 2015
9:00 a.m. – 1:00 p.m.
Where: Fort Campbell Federal Credit Union
2050 Lowe’s Drive • Clarksville, TN 37040
Get pre-approved today! Call the Credit Union at 931.431.6800 or visit www.fortcampbellfederal.org
APR=Annual Percentage Rate. Rates at 2.99% APR up to 60 months. For example: a $25,000 loan for 60 months at 2.99% APR is $449.12 per month. Other rates and terms are also
available. 100% Financing available including Tax, Title and License. Financing for qualified Fort Campbell Federal Credit Union members. Not all buyers will qualify. Down payment may
vary based on loan to value and credit worthiness. Offer valid only on terms up to 60 months and Loan to Value of up to 120% of NADA clean retail of vehicle collateral, based on credit
worthiness. Offer valid only on Enterprise Car Sales vehicles purchased 04/24/15-04/25/15. Offer valid only at TN locations. Members must finance through Fort Campbell Federal Credit
Union and purchase from Enterprise Car Sales during promotion dates. Not valid on refinances or previous loans. Cannot be combined with other offers. Restrictions apply. Contact
an Enterprise Car Sale Manager for details at 615-865-8266. This event is a motor vehicle show. Tenn. Admin. R. 0960-1-.17, and amendments. 2Restrictions apply. For details, see an
Enterprise Car Sales Manager. 3Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affi liated clubs
in the United States and Canada.
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The “e” logo, Enterprise, “The Perfect Used Car Package” and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their
respective owners. © 2014 Enterprise˜Car Sales. E07333 PC09/14 KD
Preview the great selection of late-model used vehicles at enterprisecarsales.com/fortcampbellfcu
Fort Campbell Federal is open to everyone in Montgomery and Stewart counties in Tennessee,
as well as Christian, Trigg and Todd counties in Kentucky. If you live, work, worship,
or go to school in one of those five counties, we’re here for you.
Equal Housing Lender
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Federally Insured by NCUA