Fall 2012 Edition - 121 Financial Credit Union

FALL 2012 | A 121 FINANCIAL CREDIT UNION PUBLICATION
IN THIS ISSUE
New Location for Orange Park
• Orange Park Move
— Coming Soon!
• Good Fit Loan / Rates
• Fraud
We have great news to share! We are moving
our Orange Park office to 6072 Youngerman
Circle. For those not familiar with the area it is
just on the other side of I-295 from our current
location, next to the Olive Garden. The new
freestanding location will offer three drive up
lanes, a drive up ATM, and safe deposit boxes.
• Your Retirement / Children’s
Education?
• Final Car Sale of 2012
Watch for details on the opening date, which is
projected to be before the end of this year!
Hours of
Operation
Lobbies:
Monday - Friday:
9:00 am to 5:00 pm
Saturday:
9:00 am to Noon*
Low Rate/Short Term Personal Loans
— A Good Fit for Your Life!
Drive-Up:
Monday - Thursday:
7:30 am to 5:00 pm
Friday
7:30 am to 6:00 pm**
Saturday:
9:00 am to Noon*
*All Branches, except
Downtown & Swisher.
**Downtown Drive Thru
closes at 5:00 pm.
Personal Loans
Rates As Low As 8% APR for 12
Months
Borrow up to $2,500 for anything you need!
{
Sample Payment:
$2,500 @ 8%APR for 12 Months =
Monthly Payment: $217
Interest Cost: $110
Total Loan Cost: $2,610
Approval based upon certain creditworthiness criteria
Credit Cards
0% APR Intro Rate for 6
On New Credit Card!
Months
{
Approval and APR depends upon upon
certain creditworthiness criteria.
2
Fraud! — Save These Numbers
Board of
Directors
Executive
Team
Billie Greenlief
Chairman
904.992.3718
William Braddock, Jr.
President
Chief Executive Officer
Bill Cauley
Vice-Chairman
904.641.3031
Davis Johnston
Senior Vice President
Operations
Cynthia deLassus Becky Hulett
Senior Vice President
Treasurer
Chief Financial Officer
904.646.4406
Bill Macomber
Secretary
904.733.4220
Gretchen Quisenberry
Senior Vice President
Human Resources
Eddie Clanton
904.282.5885
Cindy Breslin
Vice President
Marketing
Bob Gipson
904.223.1234
Joe Hardcastle
904.268.2869
Michael Hogan
904.778.2143
Len Pickett
904.910.4394
Shelba Williams
904.504.1740
Terri Thomas
Vice President
Administrative Services
Supervisory
Committee
Lyn DeLoach
Chairman
904.824.8660
Arzada Haynes
904.693.9400
Ellen Page
904.757.6818
Convenient
Telephone Numbers
All Locations:
904.723.6300
(Toll Free)
800.342.2352
FAX (Headquarters)
904.722.6694
VISA Credit Cards:
Credit Card Customer Service:
1.866.820.3097
Credit Card Lost/Stolen:
1.800.449.7728
Credit Card Activation:
1.800.527.7728
Credit Card Fraud (24/7):
1.888.918.7313
VISA Debit Cards:
If you’re like me,
you ignore calls
from numbers
you don’t recognize with the assumption that the
only people you
really want to talk to are listed in your contact
list and perhaps even have a clever ring tone
assigned to them so that you don’t have to
squint at the screen to see who is calling.
This recently happened to me. I was on vacation, looking for Wile E. Coyote and the Road
Runner in the Valley of Fire when my phone
buzzed. I glanced at the screen, shrugged and
sent the call to voicemail and went back to
taking photos of one of the most gorgeous
landscapes in the country. Little did I know
that the call was from Visa’s Fraud Department,
and while I was baking in the 114° (dry) heat of
the desert, someone unbeknownst to me was
trying to purchase who knows what at a “super
store” in Georgia.
It wasn’t until I got home and tried to use my
debit card to pay for dinner and it was “nicely”
declined that I realized something was wrong.
Panic set in. I looked up the 121 website on
my phone and found the after-hours number
for Visa. It was then I realized that the number
that had tried to reach me was Visa’s Fraud
Prevention number! Oops. Lesson learned. That
number is now loaded into my contact list with
a siren for the ring tone -- no ignoring that!
It’s so easy for someone to steal your card
number and make a counterfeit card - a rogue
waiter or waitress with a small hand-held
scanner that records your card info, a passerby with a card reading device that scans your
card while it’s in your wallet are among some
of the technical ways you could become a
victim aside from carelessness of leaving a card
at a store, or from your wallet or purse being
stolen. The thief doesn’t have to keep your card
to steal your information.
You’ve heard that the best offense is often a
good defense -- Visa Fraud Protection is top
notch. Their intricate algorithms figured out I
couldn’t be in two places at once and put the
kibosh on the crook, declining to accept the
charge. Had I answered the phone the first
time, I would have received my replacement
card sooner, and I would have known to take
cash to pay for my dinner, thus avoiding the
embarrassing “your card was declined” spiel.
Visa Debit Card Fraud number: 1-866-262-8981
Visa Credit Card Fraud number: 1-888-918-7313
If you suspect fraud, call these numbers 24/7
Tips to Avoid Fraud
• Don’t let your card out of your sight.
This can be tricky at restaurants, so if you
can pay cash, do so.
ever give your PIN (personal ID number)
•N
to anyone you don’t want to have access to
your funds.
Debit Card/Lost Stolen:
1.866.209.7029
• Use a payment service such as PayPal®
whenever possible when ordering online.
Debit Card/Check Card Fraud
(24/7):
1.866.262.8981
• PopMoney® is another alternative for
making payments to individuals. All you
need is to be signed up for Private PC (online
banking). It’s only $0.50 per transaction - a
small price to pay for peace of mind.
Because no system is hack-proof, vigilance is
your best weapon, as this credit union employee learned. For more information on online banking and security visit our website and
click on the “4 Your Money” link where you’ll
find recent interviews including one with Larry
Rouse, Information Technology Manager at
121 Financial, on online banking.
3
Do I Save for My Retirement or
My Children’s Education?
Content developed by CUNA Brokerage Services, provided by Randy Nakamura
Many Americans
are facing a difficult
choice. Do they save for their own retirement
or save for their children’s education? Here are
some things to think about when wrestling
with this decision.
Are you paying for college or helping to pay?
Some parents decide that their kids should
contribute financially to their own education
because they will better appreciate the value
of their college education. Other parents ask
their kids to contribute to their education because they cannot afford to bear the expense
completely. In either case, this can make a big
difference in the amount you need to save for
your retirement.
When it’s one or the other
What happens when there just isn’t enough
disposable income each month to fund both
your children’s education and your own
retirement? Many financial experts agree that
retirement funding should be your first priority.
Here’s why.
Your kids can always borrow money to go
to school. You can’t borrow to retire. Your
kids have decades ahead of them after they
graduate to make money and pay the loans
back. You have decades ahead of you when
your savings need to support you.
Additionally, your kids can work through college and take longer than the traditional four
years. You may be forced to retire early due
to poor health or a bad economy.
A personal decision
If you cannot fully fund both your retirement
and savings goals, your first step should be to
work with a financial advisor who can help
you make the right choices for your personal
circumstances and maximize the potential of
what you can invest.
Randy Nakamura is a Financial Advisor with
Financial Retirement & Investment Services
located at 121 Financial Credit Union. If you
have any questions, or would like to provide
feedback, regarding the information presented in this article, you may contact Randy
at 904.720.1760.
Representative is not a tax advisor or legal
expert. For information regarding specific tax
situations, please contact a tax professional.
For legal advice, consult an attorney.
FR040818-7E59
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. Nondeposit 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.
Locations
Headquarters:
Southside
9700 Touchton Road
(near Tinseltown)
Branch Locations:
Arlington
9730 Hutchinson Park Dr
@Kendall Town
Downtown
300 W. Adams St
@Adams St & Julia St
Intracoastal West
12740-12 Atlantic Blvd
@Atlantic Blvd & Girvin Rd
Mandarin
12250 San Jose Blvd
@ Marbon Rd
Northside
14023 Revell Dr
@River City Marketplace
Orange Park - Moving Soon!
6000-1 Lake Gray Blvd
@ I-295 & Blanding Blvd
Westside
8101 Normandy Blvd
(West of I-295)
Mini Branch at
Swisher International
(Restricted Access)
Last CAR SALE of 2012
Get the car of your dreams at a rate you can afford!
When: October 13, 2012
Where: Southside Location (9700 Touchton Road)
What: Special Low Tiered Rates. Premium used
vehicles from Tom Bush Autoplex*
What Else: Free Lunch from the Gourmet Aviator
Food Truck, Rainbow Shaved Ice, free t-shirts
(while supplies last)
And Even More: Apply PRIOR to the sale
and your name will be entered
into a drawing to Win an iPad!**
(by October 12)
Sample Payment:
$10,000 Borrowed at 1.89% for 60 Months = $262 monthly payment, $731 total interest, for $10,731 total loan cost.
*You do not have to purchase at the sale, you may shop at any dealer. Special rates good until 10.20.12.
**Must be 18 to apply/enter. Winner will be chosen at random Monday, October 22, 2012.
New Years Day
Tuesday, January 1
Christmas Day
Tuesday, December 25
Christmas Eve
Monday, December 24
All branches close at 2 pm
Thanksgiving Day
Thursday, November 22
Veterans Day
Monday, November 12
Columbus Day
Monday, October 8
Holiday Closings
PRSRT STD
U.S. POSTAGE
PAID
JACKSONVILLE FL
PERMIT #3602
FIRS
US
JAC
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