Winter09 moneyline - Community First Credit Union

Community Corner
Exclusive GM Supplier Pricing
PLUS Incentives for Members!
Get GM Supplier Pricing on top of most current incentives
when you purchase a 2008 or 2009 Saturn, Chevrolet,
Buick, Pontiac, GMC, Cadillac, HUMMER or Saab vehicle.
The steps are easy!
Low GM Supplier Pricing
2 Logon to www.lovemycreditunion.org to receive a
Grand Meridian, 5:30 - 8:30 pm. For more info, go to
www.redcrossoutagamie.org.
• January 23 Neenah Rotary, Uncorked and Uncapped,
Available Rebates
Holiday Inn Riverwalk, Neenah. For more info, go to
www.neenahrotary.com.
PLUS
CFCU Financing
as
low
as
4.99
%*
APR
Moneyline
• January 22 American Red Cross "Soup's On",
PLUS
1 Get pre-approved with Community First for your loan
with rates as low as 4.99% APR*.
WINTER 2009
Join us at these upcoming events sponsored by CFCU.
QUARTERLY NEWSLETTER PUBLISHED FOR THE
• January 29 CAP Services Golf Inside Outing,
You’re Invited to
Attend the Annual Meeting
Radisson Paper Valley Hotel, 5:30 -9:00 pm. For more
info, go to www.CAPgolf.org.
• February 6 Wonderfully Wicked Gala, 6:30 - 11:00 pm,
GM Supplier Pricing Authorization Code.
Fox Cities Performing Arts Center, Appleton. For more
info, go to www.foxcitiespac.com.
3 Shop for your vehicle and buy with confidence knowing
you’ve saved money and invested in America!
• February 21 Special Olympics Polar Plunge,
Menominee Park, Oshkosh. For more info, go to
www.specialolympicswisconsin.org and click on
Polar Plunge.
This limited-time offer is another valuable benefit of your
Community First member/ownership!
n
ber, I ow
m
e
m
a
s
t
“A
it y F ir s
C o m m u n n io n .”
C r e d it U
O’Conner,
• February 26 & 27 "Guys on Ice", Grand Opera House,
Call or visit any
Bergstrom GM or Saturn
location today.
Oshkosh, 7:30 pm. For more info, go to
www.grandoperahouse.org.
• March 12 Volunteer Center Celebrity Waiter Dinner,
P au l
w n er
Member/O
Holiday Inn Riverwalk, Neenah, 6:00 - 9:00 pm. For more
info, call (920) 832-9360.
See store for details. Ends 3/31/09
*APR=Annual Percentage Rate. Rate subject to credit approval, dependent upon credit score and account relationship and may change without notice. Active
checking with a minimum of 4 transactions per month with payroll direct deposit required. Payment Example: $10,000 borrowed for 66 months at 4.99% APR
with payment protection would produce 65 payments of $203.22 and a final payment of $202.20.
• March 16 March of Dimes Chef's Auction, Paper
ANNUAL MEETING
Valley Hotel. For more info, call 1-800-780-3463.
Tuesday, February 10, 2009
IRA Reminders
Two Ways to
Darboy Club
Changes to 2009 IRA
Required Minimum Distributions
9695 Cty Trunk N, Appleton
6 p.m. Refreshments
7 p.m. Business Meeting
One of the last acts of the current Congress,
signed into law by President Bush includes a
one-year waiver of required minimum distributions
from IRAs in 2009. If you have questions regarding
your distributions, please contact us at 920-8307200 or 1-866-273-2328.
No RSVP Necessary
When you bank at Community First, you OWN
Community First. And, this is the most important
event of the year... the Community First Credit
Union Annual Meeting, YOUR meeting, where
you have a vote and a voice in your credit union.
• report on our financial condition,
• review our accomplishments for 2008,
• elect 3 candidates to the Board of Directors,
• provide direction for 2009—and map a course to
a successful future for all of our member/owners.
Exclusive BONUS DRAWING:
• 2 Broadway Season tickets
to the Fox Cities P.A.C.
(Feb. 12th, 7:30 pm) Previous purchases not eligible.
OZmazing Raffle tickets are available for $20 each
at all Community First locations.
Moneyline
IS PUBLISHED QUARTERLY FOR MEMBERS OF COMMUNITY FIRST CREDIT UNION
(920) 830-7200
NEENAH
(715) 258-7462
APPLETON
125 E. Forest Ave.
2300 Industrial Dr.
WAUPACA
(920) 966-2424
(920) 982-6048
OSHKOSH
NEW LONDON
2424 Westowne Ave.
603 W. Wolf River Ave.
2626 S. Oneida St.
509 N. Richmond St.
2701 N. Ballard Rd.
455 S. Nicolet Rd.
1235 W. Spencer St.
FVTC Appleton - Entrance 10
1006 Royalton St.
(920) 684-7148
(920) 525-1164
DARBOY
MANITOWOC
NICHOLS
W6089 Cty. Rd. KK
1100 S. 30th St.
W5644 Cty. Rd. F
GREENVILLE
N1230 Cty. Rd. CB
PC HOME BANKING
COMMUNITY FIRST
INSURANCE CENTER
(920) 738-5474
1-800-779-1321
MEMBERS FINANCIAL
SERVICES®
Investment Consultations
(920) 830-7200
1-866-273-2328
TELLERPHONE
24-Hr Account Access
(920) 830-7325
1-800-924-1550
PHONE CENTER
Mon. – Fri., 7am - 6pm;
Sat., 7am - 1pm.
PAID
Win a $1,000
College Scholarship
DRIVE-UP
Mon. – Fri., 7am - 6pm;
Sat., 8am - noon.
LOBBY
Mon. – Wed.,
8:30am - 5pm;
Thurs. & Fri.,
8:30am - 6pm;
Sat., 8am - noon
LOAN-BY-PHONE 920-830-7200 OR 1-866-273-2328
APPLY ONLINE ANYTIME AT www.communityfirstcu.com
• PC BILLPAYER • PC MORTGAGE • e-STATEMENTS
34TH
If you’re a high school senior and a
Community First member, you may apply to
win one of four $1,000 scholarships by
writing an essay addressing the following
topic:
“If credit unions did not exist, it would be
necessary to create them because….”
Entry form and original essay of 750 to
1,000 words must be received by Feb. 16,
2009. Scholarships will be awarded by the
Fox Cities Chapter of Credit Unions.
For complete contest rules, forms, and
eligibility requirements, visit
www.communityfirstcu.com.
www.communityfirstcu.com
ANNUAL
MEETING
POSTMASTER
(donated by Renew)
Complimentary round trip bus transportation
available departing New London at 5:00 pm;
Oshkosh, Nichols, Manitowoc and Waupaca
at 5:30 pm. Please RSVP at your branch to
reserve your seat no later than February 4th.
Join us for this important meeting and discover how we plan
to continue to work for you and all of our member/owners to
operate a safe and sound financial cooperative - YOUR
credit union.
This is
YOUR meeting.
Please deliver no later than January 23
• $2,500 Fuel
P.O. Box 1487 • Appleton, WI 54912-1487
Purchase an OZmazing raffle
ticket at any CFCU location now
through January 31st to be
entered to win two tickets to the
blockbuster musical, Wicked!
(donated by CFCU & Bergstrom)
Round Trip Bus Transportation
As your financial institution, our main goal is, and always will be,
to help you find your way, even in today’s tough economic times.
When you bank
at Community First,
you own
Community First.
Win Wicked Tickets!
• smart car fortwo passion
Any member interested in running for
the board is encouraged to apply. For
more information, please contact
Catherine Tierney at (920) 830-7220
or [email protected]
before January 30th.
A Message From
The President
GREENVILLE, WI
PERMIT NO. 19
Win a Car, Fuel
or P.A.C. Tickets!
PRSRT STD
U.S. POSTAGE
in the OZmazing Raffle
34TH
ANNUAL
MEETING
Call for Candidates
Your member/ownership of Community First is more
important than ever. We look forward to welcoming you to the
Annual Meeting on February 10, 2009 as we:
2008 IRA
You have until April 15 to maximize your 2008 IRA
contributions, up to $4,000 per person, plus an
additional $1,000 “catch up” contribution for those
ages 50 and older.
MEMBERS OF COMMUNITY FIRST CREDIT UNION
Tuesday, February 10, 2009
Darboy Club, Appleton
$3,400 in cash and prizes!
FREE Bus Transportation
Elections for Board of Directors
And More!
I’m thrilled to report that 2008
was one of the most successful
years in Community First history!
On February 29 we hit the one
billion dollars in assets mark and
Catherine J. Tierney
finished the year with more than
$1.169 billion, up 23.4% from 2007, and with more
than $100 million in reserves, your credit union is
stronger than ever.
What makes this remarkable, is that it happened at a
time when many banks and financial services firms
faltered or failed and had to be rescued. The key to our
success throughout our 34 year history is you. As a
member-owned, not-for-profit financial cooperative,
our only focus is you, and your financial well-being.
As a member-owner, we hope that you will use the
credit union for all your financial needs. Because
members continue to save and invest with us, we have
plenty of money to lend. If you want to buy a home,
refinance your mortgage, consolidate debt, purchase
a vehicle, fund your business or your child’s college
education - you can always count on CFCU!
There is every indication that 2009 will be a
challenging time for our country, but we are excited
about the future. We would be honored if you would
spread the word about the benefits of being a memberowner of Community First to your friends, families and
business associates. This is your financial institution
and the profits come back to you – always have, and
always will. That’s a promise.
Please email me at [email protected]
with your suggestions, comments or concerns. Best
wishes for a happy, healthy and prosperous New Year!
Learn More with
Our FREE Seminars!
Seminars are FREE to all members,
but pre-registration is required.
Sign up online at www.communityfirstcu.com,
call 920-830-7200 or toll-free 1-866-273-2328,
or stop by any branch to register.
HOME RS
NA
SEMI
Build a Stronger Financial Future in 2009
Do today’s economic struggles and challenges leave you questioning your personal
financial situation? As your credit union, we’ll work with you to address the
financial issues you face, as well as those you want to avoid and develop a plan for
a better future for you and your family with money-saving solutions, free financial
advice and education. Just ask. We’re here for you.
Home
Construction
Oneida St., Appleton
Attendees will learn how to choose the
right house plan, develop a budget and
understand the construction finance
process.
Home Buying
How to Get a Mortgage in
Today’s Changing Environment
Sat., Feb. 14, 9-11am
Oneida St., Appleton
Learn about the mortgage process including how and
why to get pre-approved, how to select the right plan,
and the importance of credit scores and budgeting.
College Planning &
Financing Seminar
Big or not so big, deposit your tax refund into your CFCU
account to keep it for future growth or for emergencies.
Bring in your refund check or have it directly deposited by
providing the following information with your tax forms:
• Routing Transit Number: 275982801
• Your account number:
- Savings: Use your account number.
- Checking: Use the center set of numbers on the bottom
of your checks.
Mon., Feb. 16, 6-7:30pm
• Holiday Club: Be prepared.
Tuck away a little each month
for next year’s holiday
expenses.
Oneida St., Appleton
College bound students and parents
will learn about: college selection &
preparation; financing resources,
including scholarships & grants;
federal & alternative loans;
completing the FAFSA; and more!
Learn How to Use
PC Home Banking/BillPayer
Manage Wisely
• We can help you get a loan–even
find the car. Get pre-approved for a
car loan or use our Auto Buying Service
to save time and get the best deal on
your next vehicle.
Jump Start Your Savings
with Your Tax Refund
• Now’s the best time to buy a
home or refinance. Rates remain
at an all-time low and we’ll work with you
to structure a mortgage that
works for you today and well
Let’s
into the future!
Talk!
Need to reduce
your monthly
debt? We’ll help!
• Affordable Education Financing! Community
First will help you apply for traditional Government
loans and then fill in the gaps with our Alternative
Student Loan.
?
Filling out your FAFSA?
ity First
“C o m m u n
er w ay
find a bett
y
helped me
m y m one
to make
re.”
do m o
k
borski-Bec
Bonnie Sci ber/Owner
Mem
Learn how to use PC Home Banking & BillPayer and
discover how to view account balances, transfer money
between accounts, make loan payments and pay your
bills – quickly & easily!
• Direct Deposit: Send your
paycheck directly into your
account as a disciplined way
to save money - put a portion
into a savings account or a
high interest money market
account.
Let’s
Talk!
We’ll help your
money earn the
best rate too!
Lender Name:
Community First Credit Union
Lender Code: 826910
y First
Communit
“Getting a
stress
e
an took th
student lo
e
ll ge off
pay for co
of how to
ers.”
my should
lf
u
Melinda Wner
w
Member/O
Oneida St., Appleton
Thurs., Feb. 5, 2-4 pm
Sat., Feb. 28, 8:15-10:15 am
Thurs., Mar. 5, 5:15-7:15 pm
Thurs., Mar. 12, 2-4 pm
Oshkosh
Other Locations
Thurs., Jan. 22, 5:15-7:15 pm
Thurs., Feb. 19, 2-4 pm
Thurs., Mar. 19, 5:15-7:15 pm
Please call us at
1-866-273-2328 to set up
a time convenient for you.
Manitowoc
Thurs., Jan. 22, 5-7pm
Sat., Feb. 21, 9-11 am
Thurs., Mar. 19, 5-7 pm
Choose a GREAT Card from Community First!
Great Rate
BALANCE Your Finances
• What history has show us about past
recessions
• Investment opportunities in today’s market
Do you think that is easier said than done? BALANCE can
help. A FREE benefit of your Community First membership,
BALANCE is a confidential financial
education and counseling service
with expertise and resources to
help you become better at
managing your money.
• Phone assistance: Call
1-888-456-2227 to speak to a
Certified Counselor.
• Online tools and articles give you
valuable information for sound
money management skills. Visit
www.communityfirstcu.com and
click on BALANCE.
Early Delinquency
Intervention
––
Personal Budgeting
––
Dealing with
Income Reduction
––
Pro-Active Planning
––
And More
Manage your balances, make loan payments, transfer money,
avoid overdrafts and pay your bills quickly and easily with
PC Home Banking and
BillPayer. Login as often as
you like to make managing
your budget and spending
easier than ever.
Where else
can you pay
bills and win?
Win an iPhone!
“I u se FR E
EP
Banking to C Home
ch eck m y
acco u n t b
It’s so co alance.
nvenient
.”
Receive one entry for
2009.
Feb. 1 and Mar. 31,
Great Rewards
*APR=Annual Percentage Rate based on credit approval. Late Payment fee:
$25.00. Non-Sufficient Funds fee: $25.00 Return Check fee: $25.00 Transaction
fee for Cash Advance: $5.00. Interest accrues from date of Cash Advance.
International Transactions: 1% of the amount of the transaction that is made
outside of the U.S. Rates and fees subject to change.
And, you’ll find out why it’s important to look
beyond short-term fluctuations and focus ahead
on the future. This seminar is available at no
cost to all members, but pre-registration is
required.
Reserve your spot today.
Visit www.communityfirstcu.com
or call MEMBERS FINANCIAL SERVICES*
at 920-830-7200 or toll-free 866-273-2328.
Gary Thoma,
American Funds Vice President
is also a wholesaler for
American Funds Distributors,
Inc., working with clients in
upper Wisconsin and a portion
of Northern Michigan. Prior to
joining American Funds in
2000, Gary was Vice President of American
Legacy Sales for Lincoln Life in Fort Wayne,
Indiana. He currently holds FINRA Series 7, 26
and 63 registrations.
Gary Thoma and American Funds are not affiliated with
MEMBERS FINANCIAL SERVICES, CUNA Brokerage Services,
Inc., or it’s representatives.
Located at Community First Credit Union*
Justin
Member/O Otto
wner
Home Office!
n
Win The Ultimate ev
PC BillPayer betwee
er y bill you pay with
Receive an ultra low interest rate on your Platinum Card for the times you need to carry a balance.
Enjoy an every day rate as low as 8.99% APR* on your purchases and cash advances.
Are you wondering how today’s market will
affect your long term investments and create
new opportunities? Join us for an educational
workshop on “What We Know For Sure.” You’ll
get the information you need to help you make
sound financial decisions and learn about:
• The current market condition
• How the market got to where it is today
entered
You’re automatically
ones
iPh
to win one of two
bill using
a
y
pa
u
each time yo
ry.
ua
Jan
in
r
PC BillPaye
Why carry around numerous credit cards and make payments on each of them when you could
consolidate them into one simple, easy and convenient card?
Earn points towards CASH, travel, merchandise and gift cards with every dollar you spend and a rate
as low as 10.99% APR*. There is no limit on the points you earn each year. Visit
www.communityfirstcu.com, to learn more about the great rewards you can earn.
Monday, January 26
Saving and spending your money isn’t always easy, so we
offer these tools to help you manage your money.
Simplify Money Management with
FREE PC Home Banking & BillPayer
List Community First
as your Lender.
Address:
2626 S. Oneida St.
Appleton, WI 54915
Attend this Complimentary Seminar
hosted by the MEMBERS FINANCIAL SERVICES*
program located at Community First Credit Union.
6:30 - 8:00 pm
2626 S. Oneida Street, Appleton
Count on our loan experts to help you borrow
responsibly and to manage your monthly debt.
Little steps go a long way toward building the savings you
need, and can help you get through or prevent a financial
rough spot.
What We Know For Sure
with Community First
Borrow Safely
Save Easily
Sat., Jan. 31, 9-11am
Today’s Market:
Bill Bargholtz, Jason Buchinger, Jeff Garrett, Roree Van Duyne
Representatives Registered through CUNA Brokerage Services
Let’s
Talk!
We’re here to
answer your
money questions.
* 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.