2Q Spring - TMH Federal Credit Union

QUARTERLY
DIVIDEND
THE NEWSLETTER OF
TMH FEDERAL CREDIT UNION
YOUR Healthcare Credit Union
TMH Federal Credit Union announces new President
The Board of Directors of TMH Federal Credit Union would like to announce Timothy L. Cook as the
incoming Credit Union President. Mr. Cook officially assumed the duties and title February 1, 2013. Marion
J. McCaskey, past President will continue in an advisory capacity until her retirement March 31, 2013.
Mr. Cook served as the Senior Vice President of TMH Federal Credit Union. He has had a long and
accomplished career in financial services with over 15 years of credit union management experience.
Currently he is working on his Certified Credit Union Executive designation through CUNA. Prior to
working at TMH Federal Credit Union, Tim was the President/CEO of SCORE Federal Credit Union of
Tallahassee, FL.
“I see a bright future for TMH Federal Credit Union,” said Marion J. McCaskey. “This organization has
positioned itself throughout the years as a superior financial institution. Tim has proven his leadership in
the credit union and with the Board and Staff will continue to provide Tallahassee’s Healthcare Community
with premier financial services.”
Tim was raised in nearby Bainbridge, GA and then attended Valdosta State University where he received a B.B.A. degree in Accounting
and graduated Cum Laude. He has been working for financial institutions since the summer of 1994 when he moved to the
Tallahassee area.
“On behalf of TMH Federal Credit Union’s Board of Directors, I am very pleased to welcome Tim as the new President as we begin
the New Year,” said Christie Sloan, Chairman of the Board. “With his extensive credit union management experience, he is an
excellent choice to lead YOUR Healthcare Credit Union into the future.”
Tim, his wife Christy and two sons live in the neighboring county of Wakulla. Tim enjoys spending his personal time boating
and fishing with his family.
“I’m overjoyed to have the opportunity to serve as TMH Federal Credit Union’s new President,” said Timothy L. Cook.
“With this credit union’s distinguished 50 years of excellent service, I look forward to continuing to grow our
membership and deliver the highest level of service possible to our members.”
APRIL
25
Join Us for Our 51st Annual Meeting
Come join in the celebration Thursday, April 25, 2013. TMH Federal Credit
Union will host its 51st Annual Meeting in the Elk’s Lodge located at
276 North Magnolia Drive, Tallahassee, FL 32301. The meeting will begin
promptly at 6:00pm with information provided on the financial soundness
and upcoming events of the Credit Union. You’ll also have the
opportunity to visit with Board members, staff and old friends.
Door prizes will be awarded so be sure to join us for your chance
to win, and don’t forget to bring the kids; a youth door prize will
be awarded too!
Following the annual meeting we will have our fourth membership
dinner at 6:30 pm. Dinner tickets are required and can be purchased for $3.00 each.
Tickets must be obtained in advance and will be available at all locations
beginning April 8, 2013 until all are sold or close of business on April 20, 2013.
(Due to limited seating no tickets will be available for purchase
at the annual meeting.)
Scan our QR code
and visit us online.
VOLUME 18
ISSUE 2
SPRING 2013
INSIDE
Spring Used Car Sale
Six Rules for Managing Credit Card Debt
Get Out of Your Rental and Into Your Own Home
National Medical Laboratory
Professionals Week April 22-26
National Nurses Week to Be Celebrated May 6-12
Youth Become Savings Sleuths This April
Holiday Closings
New TMH FCU Colleagues
Shining Star of the Quarter
Kindle Fire Winner
2012 Giant Stocking Winners
Important Announcements
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Improving the financial life of each member is our priority and our pleasure.
12456-News-0313
Spring Used Car Sale 2013
TMH Federal Credit Union is partnering with Autowise Buying Service Inc. to bring you a Used Car Sale at our Main Office location on
S. Magnolia Drive the weekend of April 12 – 14, with over 75 vehicles on our lot! Rates will be as low as 2.99% APR* for 60 months,
so there’s no reason not to drive away in that hot new vehicle that you’ve been eager to own. Multiple loan officers on duty will have you
in your new vehicle in no time! Enjoy a complimentary hotdog, chips and beverage while you browse our lot of quality pre-owned vehicles.
Also, members who are pre-approved on a loan between April 1 – 11 will receive a $50
Visa® Gift Card when you close on the loan!** The event will be held on Friday, April
12 from 9am – 5pm, Saturday, April 13 from 10am – 6pm and Sunday, April
14 from 12pm – 6pm. Don’t let someone else drive away in the car
of YOUR dreams!
*APR - Annual Percentage Rate. Available to qualified borrowers only. Other
restrictions may apply. Rates available only for vehicles on lot. **Visa® Gift cards
will be dispersed for those pre-approved loans between April 1 – 11, 2013 once
loan is booked.
Get Out of Your Rental and
Into Your Own Home
Six Rules for Managing Credit Card Debt
The recent economic downturn was driven largely by an imploding
housing market. For the first time in decades, homeowners lost
value and entire communities saw massive declines in property
values. But now, at last, that tide has turned in many markets.
That means there’s an inventory of houses available for sale—at
excellent prices—as well as an unprecedented sustained lowinterest rate environment.
If you want to be the master of your credit card debt load,
follow these key rules:
If you’ve been renting and waiting, now is a good time to make
your move.
A number of industry analysts predict that interest rates will rise
slightly over the year, while continuing to stay very affordable.
Home prices are also expected to rise, now that more buyers are
again competing for houses for sale.
But rental rates are rising and expected to continue to rise even
more—as much as 20% in some communities—making it smart
and cost-effective for first-time buyers especially to consider home
ownership. Real estate website Trulia found it is cheaper to buy
than to rent in each of the nation’s 100 biggest metropolitan areas.
If you’re thinking about making the big move, do this now:
• Check your credit reports for accuracy. Go to
annualcreditreport.com and request your free credit report.
If you find errors or omissions, fix the problems as soon as
possible.
• Review your savings.You will need money for a down payment
as well as for the transition expenses of moving and setting up
a new house. If your savings aren’t up to snuff, make that your
priority for the next several months.
• Talk to a TMH Federal Credit Union home loan officer
about prequalifying for a loan.This is the step just ahead of
preapproval—it makes it possible for you to begin shopping for
a house with your eyes wide open about what you can really
afford.Your loan officer can help you prepare for the home
buying process and help you line up your finances for success.
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1. Take inventory. How many credit cards do you have? What’s the
balance and minimum monthly payment on each? What’s the total
balance? If it’s more than you thought or can afford, it’s time to pare
down.
2. Check out the cost of your credit cards. What’s the interest rate
on each card? What’s the annual fee? Does your card offer a grace
period? If the card doesn’t have a grace period, or if you carry over a
balance, or take a cash advance, you’re usually charged interest right
away.
3. Get one low-fee or lower-interest card and use it wisely. Make TMH
Federal Credit Union your first stop when starting your search. Check
to see if you can transfer existing debt from your various credit cards
to your new lower-interest credit card.
4. Make the largest monthly payment you can afford. Even though
you may not be able to pay your balance in full, paying the monthly
minimum may do little more than cover the accrued interest.
5. Watch out for “teaser rates.” Your mailbox may be brimming with
unsolicited credit card offers that promise attractive low-interest
rates. But if you read the fine print, you’ll see that after six months or
so the issuer may double the low introductory rate.
6. If you get in over your head, don’t bury it in the sand. If you’re
having trouble making your monthly payments, contact your
creditors before they contact you. If you’re already screening calls
from bill collectors, or refusing to open your mail, you need help.
Contact TMH Federal Credit Union at 850.402.5301. We’re here to
help you get your finances back in order.
If bills have gotten out of hand, consider speaking with a BALANCE
counselor who may be able to arrange a Debt Management Plan.
BALANCE negotiates with creditors to reduce interest and fees so
you can pay your debt quickly and efficiently. As an account holder of
TMH Federal Credit Union, the program’s monthly administration fee of
$35 is waived.
To use the BALANCE program, simply call 888-456-2227. Counselors
are available Monday through Thursday, 5am to 8pm, Friday, 5am to
5pm, and Saturday, 8am to 5pm (EST) or visit www.balancepro.net
for more information.
PAGE 2
National Medical Laboratory
Professionals Week April 22-26
National Medical Laboratory Professionals Week was founded in 1975
and will take place April 22-26. YOUR Healthcare Credit Union
would like to acknowledge the 300,000 laboratory professionals around
the country who perform and interpret more than 10 billion laboratory
tests in the US every year. The field was developed in the 1920s and
today the clinical laboratorian is a key member of a health care team. The
theme for National Medical Laboratory Professionals Week 2013, also
known as Lab Week, is “Get
Results.” During this week-long
celebration take a moment to
remember the people behind
the “medical” scene.
To show our appreciation
during Lab Week, April 22-26,
TMH Federal Credit Union
will be giving away pens to
laboratory professionals while
supplies last.
National Nurses Week Will Be
Celebrated May 6-12
So stop by and get in on the action at our Youth Week:
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From April 1 – 30 if you open a new
First Mates Kid’s Club or CU Succeed®
Teen Account; we will match the first
deposit up to $25*.
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In honor of Delivering Quality and
Innovation in Patient Care, all registered
nurses in America are encouraged to proudly
wear the official ANA “RN” pin or any other
pin that clearly identifies them as registered
nurses, and/or their nurses uniform on
May 6, 2013.
Whatever young sleuths are saving for, we at TMH Federal
Credit Union can give them the clues they need to
investigate ways to save. Through a series of activities, the
young savings sleuths in your life will uncover the mystery
of saving.
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To show our appreciation during
Nurses Week, May 6-12, TMH
Federal Credit Union will be giving away pens
to nurses while supplies last.
Introducing children to their inner savings sleuth will help
lead them down the path of saving.Visit TMH Federal
Credit Union during the week of April 21 – 27 and help
us celebrate National Credit Union Youth Week™. This
year's theme, “Savings Sleuth, Solve the Mystery,™” shows
youth and teens how TMH Federal Credit Union can help
them use their own instincts and credit union resources
to meet financial goals.
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In honor of the dedication, commitment,
and tireless effort of the nearly 3.1 million
registered nurses nationwide to promote
and maintain the health of this nation, the
ANA and TMH Federal Credit Union are
proud to recognize registered nurses
everywhere on this particular
day for the quality work they
provide seven days a week,
365 days a year.
What kid wouldn’t want to
throw on a trench coat, dust
off an old magnifying glass
and slap on a play mustache
to become a detective for
a day? Children everywhere
are intrigued by the thrill
of mysteries and the
detectives that solve them.
Little do these kids know
they also have the ability to
tap into detective mode by
investigating ways to save
and becoming a credit union
savings sleuth during the month of April at the credit
union.
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On May 6, 2013, TMH Federal Credit Union is joining the American
Nurses Association in celebrating Delivering Quality and
Innovation in Patient Care, as part of National Nurses Week,
which is held May 6-12, every year. The purpose
of the week long celebration is to raise
awareness of the value of nursing and help
educate the public about the role nurses
play in meeting the health care needs of the
American people.
Youth Become Savings Sleuths
This April
Current and New CU Succeed Teen
Account Members can come in and
register to win an iPod Nano**!
Current and New First Mates Kid’s
Club members can come in and
register to win a Toys “R” Us
$75.00 Gift Card**!
For more information, contact TMH Federal Credit Union
at 850-402-5301.
Bring your young savings sleuths into TMH Federal Credit
Union, and choose from the many “gadgets” we offer to
unravel the mystery of saving.
(*Only initial deposit will be matched up to $25. ** - Drawings to
be held after close of business 4/27/13, odds of winning depend
on number of eligible entries received, value of deposit into
CU Succeed Teen Account/ First Mates Club does not increase
chance of winning. Entry window begins open of business
Monday 04/22/13 and ends close of business Saturday 04/27/13.)
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HOLIDAY CLOSINGS
The Credit Union will close on the following days, with The
24 Hour Money Centers, PEARL,Virtual Branch and Mobile
Money remaining available to serve members:
Memorial Day – Monday, May 27, 2013
We will reopen our Main Office and Northeast Branch the
next business day at 9:00am and our Hospital Branch the next
business day at 8:30am for regular business hours.
IMPORTANT DAYS
Earth Day – April 22, 2013
Lab Week – April 22-26, 2013
Youth Week – April 21-27, 2013
Annual Meeting – April 25, 2013
Nurses Week – May 6-12, 2013
2012 4th Quarter Shining Star and
Shining Star of the Year
Yvonne Dorsey has been awarded both the 4th
Quarter Shining Star and the Shining
Star of the Year for 2012! Yvonne is
a Member Services Specialist at the
Hospital Branch. She approaches
every task with a positive attitude
and with a smile on her face. She has
been a member of the TMH FCU
family for over nine years and we are
extremely fortunate to have her on our
team. Her fellow colleagues would
like to congratulate Yvonne on
this well-deserved achievement.
Our Newest Colleague
Linda Falzone has joined the credit
union as a Member Service Specialist
and will be spending time at all three
locations. She has over ten years of
experience in credit union member
services.
TMH FEDERAL CREDIT
UNION LEADERSHIP
IMPORTANT
ANNOUNCEMENTS
ATM Locator Mobile App
Now you can search for a surcharge free
ATMs right at your fingertips. iPhone
users can download the Credit Union 24
App at the iPhone App Store and Android
phone users can download the Credit
Union 24 App at the Android Market. If
you don’t have an iPhone or Android, you
can always search for surcharge free ATMs
on our website under ATM Locations.
Report Card Rewards
First Mates Kid’s Club and CU Succeed
Teen Account members get rewarded
for your good grades! Bring in a current
report card to a branch location and you
can earn up to $5.00 for good grades
every 9 weeks!
Two New Shared Service
Locations
Tallahassee-Leon FCU’s new
branch is located at 2655-C Crawfordville
Highway in Crawfordville, FL and will
be open Monday - Friday from 11:00am
- 7:00pm and Saturday from 9:00am 12:00pm to help serve our members to
the south. FOCUS CU, located at 1400
Shotwell Street, Suite 140 in Bainbridge,
GA, will be open Monday - Thursday from
9:00am - 5:00pm and Friday from 9:00am
- 5:30pm to help serve our members in
the Georgia area. TMH FCU members can
do deposits and withdrawals at Shared
Service locations nationwide. For more
Shared Service locations visit
www.tmhfcu.org.
2012 Giant Christmas Stocking Winners
TMH Federal Credit Union decked the halls this holiday season with a
Giant Christmas Stocking at ALL three locations. Lavon McMillan
was our Main Office winner, Tara Greene was the NE Branch winner
and Tamara Bursey was the Hospital Branch winner. Congratulations
to all of our winners of the giant 8 foot stocking!
Kindle Fire Winner
Congratulations to Windy Hoose for being selected the winner of our
Kindle Fire giveaway! Members who financed or refinanced any new
or used car with us were entered into a drawing for a Kindle Fire.
Windy collected her prize along with both her son and her daughter.
Congratulations Windy and enjoy your new Kindle Fire!
PAGE 4
BOARD OF DIRECTORS
Christie Sloan, Chairperson
Berinice Mercer-Lewis, Vice Chairperson
Glenn Strickland, Recording Officer
Joe Conklin, Financial Officer
J. Lynne Peters, CPA, Director at Large
Al Parker, Director at Large
Paul Lucas, Director at Large
SUPERVISORY COMMITTEE
J. Lynne Peters, CPA, Chairperson
Doug Nordby, CPA, Committee Member
Kelby Tardi, CPA, Committee Member
Jamie Sheffield, Internal Auditor
SENIOR MANAGEMENT
Timothy L. Cook, President
Grace H. Chambers, VP Member Services
Maria B. Legate, VP Administration
Brooke L. Bailey, VP Finance
LOCATIONS/ HOURS
Main Office and Drive Thru
345 S. Magnolia Drive
Tallahassee, FL 32301
Monday - Friday - 9:00am - 5:00pm
Northeast Branch Office
3515 Maclay Boulevard South
Tallahassee, FL 32312
Monday - Friday - 9:00am - 5:00pm
Saturday - 9:00am 1:00pm
TMH Branch Office
1300 Miccosukee Rd.
Tallahassee, FL 32308
Monday - Friday - 8:30am - 4:00pm
TMH Paydays 7:30am - 4:30pm
Telephone Numbers
(850) 402-5301
Pearl: 1-800-259-0762
Fax (850) 402-5334
Web Address – www.tmhfcu.org
The 24 Hour Money Centers (ATM’s)
Located at the Hospital Branch
Nationwide Shared CU Service Centers
– check the ATM/Shared location link
@ www.tmhfcu.org for locations and
hours of a service center near you.
Convenient Electronic
Services 24/7
P.E.A.R.L.- audio account access from
anywhere, 1.800.259.0762
On-Line – www.tmhfcu.org
• Current News and Events
• Loan Applications and Forms
• Protect Yourself –
Fraud and Identity Theft Tips
• Rates – Current Loan and Share Rates
Virtual Branch - home banking and bill pay
solutions
E-Statements – GO Green!
Mobile Money – cell phone account access
Facebook Page –
Keep in Touch with
YOUR Healthcare
Credit Union