Fall 2015 - U$X Federal Credit Union

Conveniently Located To Serve You Better
1-888-219-3159
www.usxfcu.org
Audio Response 1-800-590-0207
Cranberry Main
Administration and Legal Correspondence
1293 Freedom Rd PO Box 1728
Cranberry Twp PA 16066-0728
Fax: (724) 779-4656
Cranberry East
1694 Route 228 Ste 106
Cranberry Twp PA 16066
Findlay
1038 Interstate Ct
Findlay OH 45840
Greensburg
55 S Washington Ave
Greensburg, PA 15601
Jefferson
MOB Ste 109B 575 Coal Valley Rd
Jefferson Hills PA 15025
Marathon
539 S Main St
RM 1024
Findlay OH 45840
NEW
Monaca
400 Frankfort Rd
PO Box 222
Monaca PA 15061
New Stanton
100 Bair Blvd
PO Box 657
New Stanton PA 15672
NEW
Petrolia
206 Main Hill Rd
Petrolia, PA 16050
Pittsburgh
Concourse Level
600 Grant St
Pittsburgh PA 15219
Sarver
479 N Pike Rd
Sarver PA 16055
Fall 2015
President's Message
U$X Federal Credit Union®
14 everyday guys banded together back in 1938 to start this financial cooperative, which has
become U$X Federal Credit Union (U$X FCU). The depression had been going on for almost a
decade. Times were tough. There were forces at work to take advantage of the little guy either for
personal gain or to achieve an ideological end. Our founders, on the other hand, wanted to make a
difference for themselves, their families and their coworkers. By working together they could make a
difference.
The world today does not seem so very different from 1938. Economic times have once again
become challenging. Troubles and unrest are in the news throughout much of the world and even in
our own cities. Our members today work hard, try to make a difference, and want to make a better
world for our children.
It is time to remember what it is that made us great as one people. I believe it is about values not
about the issue of the day. We worked hard, were self-reliant, tried to do good and avoided harm to
others. We utilized our liberty to pursue our dreams and make a difference in the world. We did not
look for a free ride.
As both a member and owner of U$X FCU we are a resource you have to pursue those good
things. Our products and services reflect the combined strength of our members with better prices and
legendary service.
• Loans – every type of consumer credit product, available quickly, effectively, at razor sharp prices
designed to meet each member’s current needs.
• Deposits – A broad range of savings vehicles meeting every need to build for your future.
• Financial Advisor - U$X Financial Group delivers guidance about how to build for the future and
a full range of investment and insurance products that allow you to execute the plan you develop.
• Credit Management – almost everyone has bumps and bruises in their credit. Life happens. Our
loan group performs Credit Score Analysis’ to help members see what hurt them in the past and
a path forward for the future. Solid credit makes a huge positive influence in your daily life and
building your future as well.
• Transaction Services – access to your money any time anywhere. U$X FCU checking, debit,
credit cards, ATMs, mobile apps, home banking, and electronic bill payment help you meet every
financial need. The upgrade of our credit card products to the new EMV chip technology uses
every available tool to keep you and your credit safe.
And there will be even more to follow in the next few months. Watch our website for updates as new
products and services become available.
In these challenging times you have questions to ask and decisions to make. Who will I trust?
Who can I work together with to achieve my dreams? Who can I stand with when things seem chaotic
to try and bring our part of the world back into balance? The volunteers and staff of U$X FCU stand
ready to be the answer to each of these questions. I am confident we were born for a time such as this.
Thanks for being part of our credit union and part of the solution. Together we are better.
Best regards,
David R Ackerman, President/CEO
Holiday Closings
All U$X Federal Credit Union Offices will be closed on the following dates in observance of the related holiday:
Columbus Day
Thanksgiving Day
New Year's Day
Monday, October 12, 2015
Thursday, November 26, 2015
Friday, January 1, 2016
Veteran's Day
Wednesday, November 11, 2015
Christmas Day
Friday, December 25, 2015
Please contact your local branch office for other changes to normal operating hours.
Volume 25
Issue 3
H A P P Y
The Board of Directors and Staff would like to welcome the following new
companies, associations and their employees or members to U$X FCU:
CompuGig
Creative Products Int’l
Green Apple Barter Services
Nurse Next Door
Seven Monkeys LLC – DBA WIN Home Inspection
DAY
South Hills Interfaith Ministries
SERVICE TO MEMBERS • SOCIAL RESPONSIBILITY
• NONDISCRIMINATION
• OPENif&your
VOLUNTARY
Remember
co-workers are not yet members of U$X FCU,
MEMBERSHIP • BUILDING FINANCIAL STABILITY
you can get
paidCOOPERATIVES
for introducing
them to the credit union. Ask our staff how.
• COOPERATION
AMONG
•
I N T E R N A T I O N A L
DISTRIBUTION TO MEMBERS
CONTROL
•
ON-GOING
• DEMOCRATIC
EDUCATION
•
International Credit Union
Day Celebrates People
Helping People
On October 15, 2015, credit unions around the
world will celebrate International Credit Union
Day (ICU Day).
Since 1948, on the third Thursday of every
OCTOBER 15 2015 • #ICUday
October, credit unions have celebrated a simple but radical idea—that by working
together, people can improve their financial well-being. “People helping people,” this
year’s ICU Day theme, is the foundational philosophy of the credit union movement,
going back to the very beginning.
“Credit unions must do their part. We must share our knowledge, our experience,
and our dreams,” World Council Board Chairman Grzegorz Bierecki said earlier this
year. “It is the duty of free people to support freedom.”
Locally, as a member of U$X Federal Credit Union, you and your financial
stability are our top priorities. This simple philosophy empowers people, wherever they
are in the world or life, to take control of their own financial future. We invite you, our
members, to take advantage of ALL U$X FCU’s products and services to meet your
banking and borrowing needs with our member friendly, low-priced services. Globally,
you’re part of a much bigger movement—the credit union movement—working
towards global good each and every day. That’s definitely something to celebrate!
In honor of International Credit Union Day, our staff will be treating members to
refreshments throughout the week of October 12th. Everyone that visits our offices
during the week will be entered into a random drawing to win a VISA gift card.*
So when we wish you a Happy ICU Day at U$X Federal Credit Union, know that
we’re thanking you for belonging to a movement that’s helping your neighbors—and
people around the world—grow and thrive and follow their dreams.
If you have any questions about the credit union philosophy or how
U$X Federal Credit Union can help you, stop by or contact us at 888-219-3159 or at
[email protected]. Come celebrate with us!
*No purchase necessary. Open to U$X FCU members that visit our offices only.
The gift card drawing is scheduled for the afternoon of Friday, October 16, 2015.
Winner need not be present and will be contacted by credit union staff.
Copyright 2015 Credit Union National Association Inc. Information subject to change without notice. For
use with members of a single credit union. All other rights reserved.
Please refer to our Website www.usxfcu.org, or stop
into a branch office to request an updated copy of our
fee schedule to become effective December 1, 2015.
Competitive rates and terms for a home loan you’ll love.
WELCOME To Our New Members!
The Board of Directors, Staff and Members of U$X FCU would again
like to welcome the members of the Penacol Federal Credit Union and
NABCO Federal Credit Union to our family!
As some of our newest members, you have the tremendous opportunity
to enjoy the products and services available from a full service financial
institution that continues to believe in the “people helping people” credit
union philosophy. Please let us show you how we can help you raise your
credit score, lower your monthly payments, eliminate high rate credit
cards and protect you from predatory lending. Please stop into one of our
11 office locations or give us a call at 888-219-3159.
Notice of Election
An election to fill three vacancies on the U$X FCU®
Board of Directors will be held at the Annual Meeting
scheduled for Wednesday, April 20, 2016 at the Double
Tree Cranberry Pittsburgh, Cranberry Twp. PA, 16066.
No nominations will be accepted from the floor.
A Nominating Committee appointed by the Chairman will nominate
candidates for election to the Board of Directors. The Nominating
Committee will select one nominee for each vacant seat on the Board.
Interested members can become a candidate for Board Membership by
requesting a “Petition Packet” from the Nominating Committee. The
“Petition Packet” will require the member to obtain the name, address,
account number and signature from 1% of the membership as of the
previous year-end. The petitioner must submit the complete packet to
the Nominating Committee by December 4, 2015. The Nominating
Committee will then validate the candidate and verify the information
submitted in the “Petition Packet”.
Once the Nominating Committee has approved the candidates, the names
of all qualified candidates running for election to the Board will appear on
the ballot at the Annual Meeting. A short biography of each candidate will
appear in the next quarter’s newsletter. The members present at the Annual
Meeting will vote to determine who will serve on the Board of Directors.
Any member of the credit union at least 18 years of age may qualify to
serve on the Board of Directors. If you have an interest in serving, you
may request a “Petition Packet” by writing to: Chairperson, Nominating
Committee, U$X Federal Credit Union, PO Box 1728, Cranberry Twp.,
PA 16066. Request for “Petition Packet” must be received no later than
November 13, 2015.
Don’tDrive
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Customize
Payment
Customizeyour
YourAuto
AutoLoan
Loan
Payment
with Our Affordable Rates and Terms
With Our Affordable Rates And Terms
Auto Loan Rates As Low As
Home Sweet Home
%
1.80
APR*
Up to 48 months
888-219-3159 • www.usxfcu.org
This is not an offer to extend consumer credit as defiined by Section 1026.2 of Regulation Z.
Rates and terms are subject to change. Home loans are provided in partnership with
CU Members Mortgage a division of Colonial Savings, F.A. NMLS#401285.
"Where Membership is a Rewarding Experience"
*APR = Annual
Percentage Rate.
Other rates and
terms available.
U$X FCU
10 easy steps to clean your infected computer
Computer acting suspect? You log onto your computer and it takes
forever to boot. When it finally does, a few unfamiliar applications litter
your desktop, and your browser immediately sends you to an ad for hair loss
products.
Sounds like your PC has a problem with malware. So what should you
do? Before you flip out, do a little digging and check for symptoms.
• Does your web browser freeze or become unresponsive?
• Do you get redirected to web pages other than the ones you are trying to visit?
• Are you bombarded with pop-up messages?
• Does your computer run slower than usual?
• Do you see new icons on your desktop that you don’t recognize?
These are just some of the issues that are characteristic of a malware infection. Unfortunately, even if you see nothing wrong with your computer, there may be trouble brewing under the surface, sneaking around and screwing with your files undetected. So here’s what to do:
1.Use protection: Enter safe mode.
•Remove CDs and DVDs, and unplug USB drives from your computer. Then shut down.
•When you restart, press the F8 key repeatedly. This should bring up the Advanced Boot Options menu. (Or F11 if F8 does not work)
•Select Safe Mode with Networking and press Enter. Only the bare minimum programs and services are used in this mode. If any malware is programmed to automatically load when Windows starts, entering safe mode may block the attempt.
2.Back up your files, including documents, photos, and videos. Especially cat videos.
•Do not back up program files, as those are where infections like to hide. You can always download these programs again if files are lost.
New U $X FCU
3.Delete temporary files.
•To speed up your virus scanning, free up disk space, and possibly even
get rid of some malware, delete your temporary files using Disk Cleanup.
•For Windows 8, select Start and search for System Tools. Then select Disk Cleanup. For Windows 7 or lower, select Start, Programs, Accessories, System Tools, and then Disk Cleanup.
4.Download an on-demand malware scanner such as
Malwarebytes Anti-Malware.
•Follow set-up instructions and install the program.
5.Disconnect from the Internet. Then run a scan.
•If you truly believe you are infected, do not pass go, do not collect $200. Just go directly to the scan. If you do have an infection, your on-demand scanner should let you know that you are in danger. A list of scan results tells you what malware was found and removed.
6.Restart your computer. After all, everyone deserves a second chance.
7.Confirm the results of your anti-malware scan by running a full scan with another malware detection program.
•Restart again if the program found additional infections.
8.Update your operating system, browser, and applications.
•If there’s an update available on any of your software, go ahead and do
it. Some of the most dangerous forms of malware are delivered by “exploits” that take advantage of out-of-date software.
9.Reset all of your passwords.
•Before being deleted, malware could have captured your passwords and forwarded them to hackers. Change each and every password you can think of, and make sure they’re strong. None of this 1, 2, 3, 4, 5 business. That’s the combination an idiot would use on his luggage.
10. If, after all of these steps, you’re still having problems with a possible infection, feel free to post your question in our public forum.
ORDER YOUR 2016 U$X FCU® CALENDAR
Visa smartCards
®
Are Available!
Two of the best credit cards in the business
now come with industry-leading microchip
technology built right in. Shop with
confidence using enhanced security, plus
more rewards, benefits and features than
ever before.
A limited supply of both the 2016 wall and pocket calendars have been
ordered. They will be distributed on a first-come, first-served basis. If
you have requested a calendar in previous years, you must renew your
request for the current year to confirm your interest in receiving a
calendar. If you would like a U$X FCU 2016 calendar, clip the order
form from your newsletter, fill it out and mail it to the credit union.
Calendars are scheduled to be delivered to the credit union on November
15, 2015. Orders will be filled after delivery.
Calendar Request Form  Wall (check box)  Pocket (check box)
(Please print)
Name:__________________________________________________
Address:__________________________________________________
Don’t Have A U$X FCU VISA
___________________________________________________________
Please mail this form to: U$X FCU - Calendars
PO Box 1728
Cranberry Twp PA 16066
Credit Card?
Contact Us!
U$Xtra! Quiz 1. The 2015 theme for International Credit Union Day is?
a. Looking Out for the Little Guy
b. People Helping People
c. Credit Unions Love the Pittsburgh Pirates
2. U$X FCU wants to help you customize your auto loan payment, what is the “as low as” interest rate being offered for up to 48 months?
a. 1.99% APR
b. 1.60% APR
c. 1.80% APR
Answer the following questions regarding U$X FCU® and win $25!
3. On what date will the U$X FCU Annual Meeting
take place?
a. April 22, 2016
b.April 1, 2016
c. April 20, 2016
4. U$X FCU’ VISA® Credit Cards now
have industry leading microchip technology
to help protect you from fraud?
True or False
Name___________________________________________________________________________
Daytime telephone number_________________________________________________________
5. When would your repayment start if you took advantage of the U$X FCU holiday loan special, Need Some Dough?
a. December 2015
b. January 2016
c. October 2016
Answer all the questions correctly and send your entry to: U$X FCU, U$Xtra
Quiz, 1293 Freedom Road, PO Box 1728, Cranberry Twp, PA 16066. All
correct U$Xtra quiz entries must be received by October 31, 2015 and will be
entered into a random drawing for a chance to win one of (6) six $25 prizes.
If your entry is selected, you will be notified and $25 will be deposited into
your Share Savings Account. Please do not include any personal banking
materials (deposits, IRA withdrawals, loan payment, etc.) with your quiz entry.
Employees or Volunteers of U$X FCU are not eligible.
"Where Membership is a Rewarding Experience"
U$X FCU
Diversification, Patience and Consistency
by: Nathan Rodgers, U$X Financial Group
Need Some
Dough?
HOLIDAY LOAN SPECIAL!!
$1,500.00
as LOW as 8.49%
Up To
APR*
for 10 MONTHS
NO PAYMENTS UNTIL JANUARY 2016
*APR=Annual Percentage Rate. Approval and actual interest rate granted will be based on
credit worthiness, some restrictions may apply. To receive the promotional interest rate, you
must have an active U$X FCU checking account with net check direct deposit. Members that
open a new checking account and sign up for net check direct deposit may qualify for an additional $75 new account bonus. Loan proceeds will be disbursed ONLY after direct deposit has been
started and received. Existing checking accountholders with net check direct deposit will qualify
for promotional interest rate, however, will not receive the new account bonus. Repayment will
start January 2016 and must be completed by October 31, 2016. No payment will be required
until January 2016, however, interest will accumulate. Payments must be made by direct deposit or
payroll deduction only and payments will coincide with member’s payroll periods. Offer is good
to members in good standing. Offer Expires December 31, 2015.
For members that do not have direct deposit available,
we have other holiday loan options. Please call for details.
Three important factors when it comes to your financial life. Regardless of how
the markets may perform, consider making the following part of your investment
philosophy:
Diversification - The saying “don’t put all your eggs in one basket” has real value
when it comes to investing. In a bear OR bull market, certain asset classes may perform better than others. If your assets are mostly held in one kind of investment (say,
mostly in mutual funds, or mostly in CDs or money market accounts), you could be hit
hard by stock market losses, or alternately lose out on potential gains that other kinds
of investments may be experiencing. So there is an opportunity cost as well as risk.
This is why asset allocation strategies are used in portfolio management. A
financial professional can ask you about your goals, tolerance for risk, and assign
percentages of your assets to different classes of investments. This diversification is
designed to suit your preferred investment style and your objectives.
Patience - Impatient investors obsess on the day-to-day doings of the stock
market. Have you ever heard of “stock picking” or “market timing”? How about
“day-trading”? These are all attempts to exploit short-term fluctuations in value.
These investing methods might seem fun and exciting if you like to micromanage,
but they could add stress and anxiety to your life, and they may be a poor alternative to a long range investment strategy built around your life goals.
Consistency - Most people invest a little at a time, within their budget, and
with regularity. They invest $50 or $100 or more per month in their 401(k) and
similar investments through payroll deduction or automatic withdrawal. In essence, they are investing on “autopilot” to help themselves build wealth for retirement and for long range goals. Investing regularly (and earlier in life) helps you to
take advantage of the power of compounding as well.
If you don’t have a long range investment strategy, talk to a qualified financial
advisor today.
CONTACT:
Nathan Rodgers at 479 North Pike Rd., Sarver, PA 16055
724.779.4895
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services,
Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa
50677, toll-free 800-369-2862. Non-deposit investment and insurance products are not federally insured, involve investment
risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the
financial institution, through the financial services program, to make securities available to members.
This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party,
nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be
from reliable sources; however, we make no representation as to its completeness or accuracy.
FR-1289378.1-0915-1017
U$X Federal Credit Union® 60-Second Loan Application
CALL ME! I want to take advantage of U$X FCU’s great loan rates! (Phone)_____________________
APPLICANT INFORMATION
 Holiday Loan
 Auto Loan  Other________________
JOINT APPLICANT’S INFORMATION
Full Name
Member No.
Full Name
Member No.
Address/City/State/Zip
Date of Birth
Address/City/State/Zip
Date of Birth
Social Security Number
Home Phone
Social Security Number
Home Phone
Employer
Work Phone
Employer
Work Phone
Monthly Gross Income
*Other Income
$
$
Monthly Mortgage or Rent Payment
Years Employed
Amount $
(circle one)
Monthly Gross Income
*Other Income
$
$
Monthly Mortgage or Rent Payment
Years Employed
Amount $
(circle one)
Verification of Income and employment is required
ANY FAX OF MY SIGNATURE MAY BE HELD EQUALLY ENFORCEABLE AS MY GENUINE SIGNATURE.
If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any
change in your name, address or employment within a reasonable time thereafter.
You also promise that everything you have stated in this application is correct to the best of your knowledge and
that the above information is a complete listing of all your debts and obligations. You authorize the credit union
to obtain credit reports in connection with this application for credit and for any update, renewal or extension of
the credit received. If you request, the credit union will tell you the name and address of any credit bureau from
which it received a credit report on you. You understand that it is a federal crime to willfully and deliberately
provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered
Credit Unions insured by NCUA.
XX
APPLICANT’S SIGNATURE
DATE
OTHER SIGNATURE
DATE
MAIL OR DROP OFF COMPLETED APPLICATION TO YOUR LOCAL BRANCH OFFICE OR FAX TO 724-779-4656.
“Once A Member, Always A Member”
EQUAL OPPORTUNITY LENDER