Make Payments or Transfers by Phone or Web – Fast and Convenient

OCTOBER 2012
838 Eglin Parkway NE, Fort Walton Beach, FL 32547-2781
In This Issue
Nominations Open for
Board of Directors Election..........2
Enjoy These EFCU
MasterCard® Features....................2
Holiday Savings..............................3
Your Savings Keep Growing
with Member Rewards..................4
Mobile Banking App
Now Available
Our rates have never been lower! See us for a Pre-Approved Loan
(PAL) today and then shop with the power of your Credit Union in
your pocket. Qualifying members may also refinance loans from
other lenders at this rate.
Make Payments or Transfers by
Phone or Web – Fast and Convenient
C
all or go online to our E Services and click on the epayments link to quickly and
securely make your loan, mortgage or MasterCard® payment using funds from
your savings or checking account at another financial institution.
• To pay online, go to www.eglinfcu.org/epayments. First-time users will
register and then your registration is confirmed within one business day.
A $3.00 fee will be charged for online payments. Allow one business day
to post your online payment.
• To make payments using a credit card, call 850-862-0111, ext. 1402. A $7.00
fee will be charged for payments by phone. Allow two business days to
post your payment.
Visit our website for more
information on EFCU’s Mobile
Banking App. Members must have
Home Branch access to take full
advantage of the available features.
Loan Rates
October 1, 2012
New Autos/Trucks/Vans
Defined as current year and 1-year-old models regardless
of odometer reading or having been previously titled.
Rates as
Low as
APR*
Approximate
Repayment Term
Loan Value
1.75% 24 mos.
1.75% 48 mos.
1.75% 60 mos.
2.75%$25,001 and up
72 mos.
Current Year – 100% of window sticker after
deduction of special discounts offered by
manufacturer, plus 100% sales tax, title and tag fees.
1-Year-Old Model – 100% of NADA Retail Value, plus
100% sales tax, title and tag fees.
Used Autos/Trucks/Vans
Age of Auto
1.75% 2 years 1.75% 3 years 1.75% 4 years
1.75% 5 years 2.75% 6-10 years (Deduct for high mileage.)
New Boat
60 mos.
54 mos.
48 mos.
42 mos.
36 mos.
3.75%
up to $10,000
60 mos.
4.75%$10,001 and up
120 mos.
5.00%
$25,001-$50,000
144 mos.
5.00%$50,001 and up
180 mos.
5% Down payment required. Applies to
never titled, current year and prior year models.
Used Boat
5.75%
up to $10,000
60 mos.
6.75%$10,001 and up
120 mos.
7.00%
$25,001-$50,000
144 mos.
7.00%$50,001 and up
180 mos.
10% Down payment required.
Available on units not more than 7 years old.
Nominations Open for
Board of Directors Election
T
he Nominating Committee is
accepting letters of interest from
qualified members to serve on the
Board of Directors. There are two
positions expiring in 2013 for 3-year
terms. Coming up for reelection
are Directors Richard Adams and
William S. Rone.
Nominees must be EFCU members
in good standing. A “Candidate’s
Information Form” must accompany
a letter of nomination. This form is
available at the Fort Walton Beach
Branch, 6th floor, President’s Office.
Nomination letters must be received
no later than Friday, Nov. 2. Mail
nominations to:
Nominating Committee
Eglin Federal Credit Union
P.O. Box 854
Shalimar, FL 32579
The slate of candidates nominated
by the Committee, and procedures for
additional candidates seeking nomination by petition will be published in
the January issue of this newsletter.
Election of officials is scheduled
to be done by mail ballot in late
February 2013. Members in good
standing, 18 years or older, will be
eligible to vote. Election results will
be announced at the Annual Meeting
scheduled for Thursday, March 28, at
the Niceville Community Center on
Partin Drive.
New RV
3.75%
up to $10,000
60 mos.
4.75%$10,001 and up
120 mos.
5.00%
$25,001-$50,000
144 mos.
5.00%$50,001 and up
180 mos.
5% Down payment required. Applies to
never titled, current year and prior year models.
New Motorcycle
5.00%
up to $10,000
48 mos.
5.00%$10,001 and up
60 mos.
6.75%$25,001 and up
72 mos.
5% - 10% Down payment required.
Purchase price includes tax, tag and title fees.
EFCU will finance up to $1,800 for extended
warranty coverage on the above loans.
Share Loan
2.00% APR* 84 mos.
Secured by Savings in S-1 and S-4 Accounts.
MasterCard®
As low as 7.9% APR
$25 or 3% of Balance Repayment Monthly
Apply online 24/7 at www.eglinfcu.org
Contact our Real Estate Department at ext. 1830 for
conventional and home equity loans.
*Annual Percentage Rate (APR). There is a range of rates
for each loan type. The rate received will be determined
by an evaluation of the applicant’s credit. Rates are
subject to change without prior notice. Minimum
monthly payment on all loans is $35 except
MasterCard, which is $25. Maximum deductible
for insurance is $1,000 for all collateral types.
Enjoy These Features on Your
EFCU MasterCard®
M
embers have the option to use SecureCode™ for added safety for online
shopping, a free service to EFCU members. If you don’t already have
SecureCode, go online and register now at www.eglinfcu.org/securecode. You may
select to register your MasterCard Credit Card and/or your Debit Card.
You are able to pay your EFCU MasterCard Credit Card online at:
www.eZCardInfo.com. You can also monitor your card activity, view your
balance and set up alerts.
If you plan to travel for the holidays, let our MasterCard Department
know your plans by calling ext. 1171. They will make a notation for the fraud
prevention program to recognize you are the one making transactions from
locations you don’t usually frequent. You may also want to let our EFT
Department (at ext. 1402) know about your travel plans if you will be using
your EFCU Debit Card.
It’s Still a Great Time to Buy a Home
Interest rates continue to be at all time lows and many sellers are highly
motivated to move their properties. See us about a home loan available
in seven Florida counties.
2
Spirit
This quarterly newsletter is the main
communication to EFCU’s membership.
Officials
Board of Directors
Richard Adams........................................... Chairman
William S. Rone..................................Vice Chairman
Robert Harlan..................................... Sec./Treasurer
Joseph Majors.................................................Director
Daniel A. McInnis..........................................Director
Barbara Patty..................................................Director
James Pitts.......................................................Director
Supervisory Committee
David W. Heckel......................................... Chairman
Frank Caruso................................................. Member
Mike Kucera................................................... Member
Robert Weaver............................................... Member
Karen Williams.............................................. Member
Credit Appeals Committee
* Thrift Savings Plan
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 1-866-512-6109. Nondeposit investment and insurance products are not federally insured, involve investment
risk, may lose value and are not obligations of or guaranteed by the Eglin Federal Credit Union. CBSI is under contract with
the Eglin Federal Credit Union, through the financial services program, to make securities available to members. FR041101-33D1
Have You Started Your Holiday Shopping?
What about Your Holiday Savings?
HAVE YOU STARTED YOUR HO
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Christmas Club savings account next spring.
At EFCU you have the convenience
of monitoring your Christmas Club savings through Home Branch, STAR
TELLER Direct Line and EFCU ATMs. To open your Christmas Club account,
visit a branch or call and let us know what you want to do – we’ll be happy
to help you set up an account.
Thomas Smith............................................. Chairman
Russ Corbitt..................................................Secretary
Richard Dolby................................................ Member
Tim Grandberry............................................. Member
Carlos Rodgers.............................................. Member
Steve Sabin..................................................... Member
Jeffrey W. Watson.......................................... Member
Your Staff
Phipps McGee....................................President/CEO
Annie Corbett...................................Senior VP/CFO
Pat Gray............................................Senior VP/COO
Jerry Williams....................................Senior VP/CIO
Candy Broxson...................... VP Human Resources
Cathie Staton................ VP Marketing/Compliance
Robin Heintzelman...................VP RE/Investments
Kenny Girot.......................... VP Branch Operations
Dawn Oravetz...........................VP Data Operations
Kim Nauta...................Branch Operations Manager
Ruth Fennell ..............Fort Walton Branch Manager
Joe Baldwin........................... Eglin Branch Manager
Lesli Harding..................Hurlburt Branch Manager
Vivian Gonzalez...... S. Crestview Branch Manager
Bron Ringstad .......... N. Crestview Branch Manager
Kim Clark..................Mary Esther Branch Manager
Jessica Tomi...........Bluewater Bay Branch Manager
Susan Arnold...................... Destin Branch Manager
Loren Hansen.................. Navarre Branch Manager
Leah Scott............................... Mail Branch Manager
Debby Chambers......................Real Estate Manager
Tim Farnsworth....................................... IT Manager
C. Grant.................... Accounting Services Manager
Tracy Osborn............ Accounting Services Manager
Gina Denny............................................ HR Manager
Sherry Harlow............................Marketing Director
Jim R. Appleton.......................... President Emeritus
www.eglinfcu.org
Phone Numbers
Main Switchboard: (850) 862-0111
Crestview Residents: (850) 682-6688
Nationwide: 1-800-367-6159
STAR TELLER Direct Line:
(850) 863-3517 or Long Distance 1-800-468-8513
To Report Lost Cards:
EFCU Debit Card
1-800-472-3272
MasterCard®
1-800-325-3678
Office Hours
Dividends Declared
Open Monday thru Friday
Closed on Federal Holidays
For the third quarter of 2012, the Board of Directors has declared a .20% APY
(Annual Percentage Yield) on savings; and a .10% APY on checking accounts.
Dividend rates are declared by the Board of Directors at the end of each quarter
from available earnings. Please contact the Credit Union for further information
about other types of share accounts, rates, terms and fees.
3
Hours
LobbiesDrive-Up
Eglin AFB &
8:30-4:30
Hurlburt Field
Bluewater Bay
9:00-5:00
Destin
N. & S. Crestview Navarre
Ft. Walton Beach 9:00-5:00
& Mary Esther
8:30-5:00
9:00-5:00
(9:00-6:00, Fridays)
9:00-5:00
(9:00-7:00, Fridays)
ATM Upgrades Nearing Completion
Welcome to the EFCU
Field of Membership
T
his month EFCU is scheduled to complete the upgrades of all of its ATMs.
New features include accepting deposits of checks and cash for instant
credit without placing in an envelope, and providing images of the checks
deposited on the member’s receipts.
BBG Design Build, L.L.C.
Destin Plastic Surgery
DRG Review, Inc.
Eleanor A. McCain, M.D., P.A.
Fusion Bistro
Gold Wave Purchasing, Inc. located in
Mary Esther and Niceville
Lee Chrysler Dodge Jeep
Main Street Signs, Inc.
Rexel Electrical and Datacom Supplies
The Unitarian Universalist
Fellowship of the Emerald Coast
Permanent Loan Agreement Change in Terms Notice
Effective Jan. 1, 2013
T
he Late Fee Section of the Permanent Loan Agreement Addendum has been
modified and now reads: Late Fee: Late payment will increase the cost of
credit. If your payment is more than 14 days late, we may collect a late payment charge from you of 20% of the INTEREST CHARGE then due, with a
minimum of $10.
Fees
Penalty Fees
• Late Fee
20% of Interest Due or $10.00, whichever is greater
Invite a family member
to join EFCU!
We recommend that you retain and keep this change notice with your loan documents.
TruStage™ Insurance Products
Holidays
W
Oct. 8................................. Columbus Day
e want you to know that CMFG Life Insurance
Company is unveiling a new brand, TruStage™ (pronounced True-Stage), for
insurance products and programs designed exclusively for you. You will soon begin
noticing the TruStage brand in mailings and on our website for products we make
available to you through leading insurance companies such as Accidental Death and
Dismemberment, Life and Auto insurance. For more information or no-cost quotes,
please call 1-855-612-7909 (AD&D and Life), 1-888-380-9287 (Auto and Home).
Offices will be closed to observe:
Nov. 12..................................Veterans Day
Nov. 22.........................Thanksgiving Day
Dec. 25................................Christmas Day
Jan. 1................................ New Year’s Day
Need a New Car?
Your Credit Union Membership
Gives You 3 Great Ways to Save
E
FCU has three ways for our members
to save on a new vehicle purchase.
First, General Motors is offering
all current and eligible credit union
members preferred pricing on most
new GM vehicles. This is in addition to
the most current incentives and special
offers! Depending on the vehicle, you
could save hundreds, even thousands
of dollars on your next new Chevrolet,
Buick or GMC vehicle purchase just
for being a credit union member.
Visit www.LoveMyCreditUnion.org to see
how much you can save and request
your GM authorization number.
Second, our members can save
big with great low rates when they
finance a new vehicle through EFCU.
See us for a PAL (Pre-approved Loan)
to take shopping with you or apply
online at www.eglinfcu.org/applications.
Third, you’ll also save on fuel costs
with GM’s high-fuel-efficient vehicles.
Start saving today!
GM offers high-fuel-efficient products in most highvolume vehicle segments, and more are coming to the
market each year. (All fuel economy ratings below are
EPA estimates). The new Chevrolet Cruze Eco, with its
42 miles per gallon (mpg) EPA highway estimate, offers
the best highway fuel economy of any gasoline engine
(non-hybrid) car in America. The Chevy Equinox and
GMC Terrain crossovers offer space for the family and
a 32 mpg highway estimate. Chevrolet Malibu has EPA
mileage estimates of 22 mpg city, 33 mpg highway, and
can travel nearly 500 highway miles on a tank of fuel.
Chevy Silverado and GMC Sierra offer the best highway
fuel economy estimates of any V8 pickups (22 mpg), and
offer hybrid models for the ultimate in full-size truck fuel
efficiency (20 mpg city, 23 mpg highway).
We Do Business in
Accordance with the
Federal Fair Housing
Law and the
Equal Credit
Opportunity Act
Funds in your account(s) with us are insured by the National Credit Union Administration
to at least $250,000 and backed by the full faith and credit of the United States.
Green Powered.
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be
accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this
wmaterial. Websites not belonging to this organization are provided for information only. No endorsement is implied.
Images may be from one or more of these sources: ©Thinkstock, ©iStock, ©Fotolia. ©2012 Eglin Federal Credit Union.
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