Layout 1 copy - Franklin Trust Federal Credit Union

FRANKLIN TRUST FEDERAL CREDIT UNION
Serving Our Member-Owners Since 1934
FALL/WINTER 2012-13
We’ll Pay Your April Mortgage
or Rent Payment!
Refer a qualified family member or co-worker for membership in
Franklin Trust FCU. If they open a checking account with direct
Make Your Move…
Sign Up for “FRED on the Move” & “FRED” Today!
deposit, you will be entered into a raffle to have your April 2013
mortgage or rent payment paid by Franklin Trust FCU!
Drawing will be held on Wednesday, March 20, 2013 —
“FRED” = Franklin Remote Electronic Deposit
the first day of Spring!
“FRED on the Move” is our new mobile electronic
deposit service! For your convenience, you can now
take a picture of your check with your smartphone and
deposit it to your Franklin Trust account!
We also offer “FRED”, which lets you access
your FTFCU account via scanner from anywhere via the internet.
You can deposit checks, submit a loan payment – and more!
Both services are free for qualified members! For more
information about these exciting, convenient services, please
call us at (860) 296-4379, ext. 110.
SKIP-A-PAYMENT! Thank You for your loyalty and support!
You can skip your Personal or Auto loan payment in the month of December and/or your Home Equity Loan,
HELOC, or Mortgage payment in December and/or January. You must have been on time for all payments in
the last 12 months and interest will continue to accrue. Just complete the form below.
Return this form completed by December 15, 2012. If you’re approved, we’ll send you a Skip-a-Payment form to sign.
Yes! I want to
SKIP-A-PAYMENT
on my loan*:
Personal or Auto Loan
December 2012
Home Equity, HELOC,
or Mortgage
December 2012
January 2013
Processing fee is
$45.00 per loan per month.
Name ____________________________________________________________________________________
Street ____________________________________________________________________________________
City/State/Zip ____________________________________________________________________________
Phone (Daytime) ____________________________________ (Evening) _____________________________
FTFCU Acct. No. ____________________________________ Suffix(es) ____________________________
PAYMENT OPTIONS
Enclosed is my check payable to Franklin Trust Federal Credit Union for $_______________________
*
Please deduct $_____________________ from my:
Share Account
Share Draft Checking Account
Drop off form at any FTFCU office or fax it to (860) 761-1980 or mail it by December 15, 2012 to: Franklin Trust Federal Credit Union,
632 Franklin Avenue, Hartford, CT 06114. Questions? Please call our Loan Dept. at (860) 296-4379, ext. 107 or 114.
Give VISA® Gift Cards
VISA Gift Cards make gift-giving
simple! Safe and convenient, they
can be used wherever VISA is accepted.
Cards cost from just $3.50, depending
on your Club 75 level.
Free Services: Bill Payer & NetTeller
Win $50!
FIND YOUR BIRTH DATE
Find the birth date hidden in this newsletter.
If it’s yours, be the first caller and you’ll receive
$50 deposited to your FTFCU share account!
Bill Payer allows you to pay your
NetTeller is our free online banking
bills online, saving both postage
service. Check your balances,
costs and time! You control the
make transfers, print cleared share
amount and timing of your pay-
draft images – and much more –
ments. Bill Payer is free when you
from anywhere that you have
have Direct Deposit, otherwise
internet access!
there is a small monthly fee.
Please feel free to call us
at (860) 296-4379 ext. 110
for more information.
Visit FTFCU
Online!
Did You Know?…
For rates, updates, directions,
Franklin Trust FCU is a part of the nationwide shared branching
games – and more – check out
network. Our members can make deposits, withdraw cash, make
During this holiday season,
our website:
a loan payment – and more – at over 4,900 credit union service
we extend a special heartfelt
www.franklintrust.org.
centers throughout the country. All you need is your photo ID
‘Thank You’ to all our member-
Visit us on Facebook (accessible
via the link on our homepage)
– and Like us, too!
Follow us on Twitter
(@Franklin_Trust) & MySpace
(myspace.com/ftfcu)!
and FTFCU member number. To locate a service center
near your home or destination, simply click on
Thank You
Member-Owners!
owners. We deeply appreciate
having the opportunity to
“Shared Service Centers” on our homepage
serve you.
(www.franklintrust.org).
As the nation’s fourth-oldest
federal credit union, Franklin
Trust has been a stable,
dependable and trustworthy
financial institution since 1934.
We will continue to work hard
every day to maintain your faith
in us, and will be here for you
and your family in the years
ahead, to assist with all your
financial needs.
Now & Later Holiday Loan
Celebrate now and pay back next year! Plus…NO PAYMENTS TILL SPRING!1
Open a Holiday Club with Payroll Deduction or
Direct Deposit and Take 1/2 Percent OFF Your Rate!
A “Now & Later Holiday Loan” from Franklin Trust
will help you cover your holiday expenses for just about
anything you need. Borrow now to set your plans
in motion and MAKE NO PAYMENTS UNTIL SPRING!
Term
With Holiday Club
Without Holiday Club
12 Months . . . . . . .7.49% APR . . . . . . . . . .7.99% APR
2
2
24 Months . . . . . . .9.49% APR . . . . . . . . . .9.99% APR
2
2
Available through December 31, 2012
Contact us online at www.franklintrust.org. Or apply with our 24-hour Loan Line
at (860) 296-4379. Or visit any of our offices.
payment due March 31, 2013. 2APR = Annual Percentage Rate. Rates and terms subject to change without notice. Rates shown are for Club 75 Platinum level members; rates
for other members will be higher. Rates quoted are with Payroll Deduction; 2% higher without Payroll Deduction. For every $1,000 borrowed at 9.49% APR for 12 months, the monthly payment
would be approximately $87.92. Equal Opportunity Lender.
1First
Auto Loans
HOME EQUITY
LOANS
as low as
2.49
%
as low as
APR
1,2
SPECIAL
REFINANCE
OFFERS
3.49
%
APR1,2
Home Equity
LINES OF CREDIT
available, too!
Refinance loans from
Call for details!
another financial institution
with us and receive cash:
Heating Helper Loans
• $300 PAID ON A
HOME EQUITY LOAN
($50,000 or more)
• $200 PAID ON
AN AUTO LOAN
($20,000 or more)
• $100 PAID ON
AN AUTO LOAN
($10,000 or more)
It pays to refinance
with FTFCU!
as low as
8.99
%
APR
1,2
VISA Card
SPECIAL VISA
INTRODUCTORY &
Take your Franklin Trust
VISA debit/credit card with
you—wherever you go! If
you’ll be traveling, let us
know so your card won’t be
blocked.
BALANCE TRANSFER RATE:
Don’t have a card? Sign up
today to receive our special
introductory rate!
deduction. Offer good for
Current Franklin Trust VISA
Cardholders: Transfer $2,500
minimum from another
lender to your FTFCU VISA
account to receive our
special rate!
VISA CREDIT CARD RATE
Loan!
4.75
%
with payroll deduction,
2% higher without payroll
first 9 months!
9.9
%
As
Low
As
(Contact us for details!)
1
APR
2
Rate shown is for Club 75 Platinum level
=
Annual
Rate.
members; rate for other members will be
higher. All rates are subject to change. Auto
Save money versus others’ Pay Day Loans! Loans range from
Loan, Heating Helper & VISA rates are based
$200-$1,000, with terms up to six months. For details, please call
tion. Please call our Loan Dept. at (860)
our Loan Department at (860) 296-4379 ext. 107 or 114.
296-4379, ext. 107 or 114 for updates and
on payments made through Payroll Deduc-
information.
Surcharge-Free ATMs
Franklin Trust FCU is part of the CO-OP and SUM ATM networks, with over 35,000 surcharge-free ATMs around the country!
Simply log on to our website (www.franklintrust.org) and click on the CO-OP and SUM logos on our homepage to find a
surcharge-free ATM near you!
H H H H H H H H H H H H H H H H H H H H H H
Check out our “Preferred Checking”
NO minimum balance requirement! NO monthly service charge! NO per-check charges!
No cost for online statements or online check images! Unlimited debit card use! We’ll pay
for your check reorders, too! All this – and much more – when you have Direct Deposit of
your net check to Franklin Trust.
Percentage
Some Nice Comments from Our Members…
I have been a Franklin Trust Federal Credit Union member for over a decade and can
honestly say that I have always received a friendly, professional and helpful welcome from all staff. I have always felt that Franklin Trust
Federal Credit Union staff are well informed, meet the needs of their clients and deliver excellent customer service. It is refreshing to work
with an institution that is so responsive and attentive to the needs of their
members. Through the many years I have dealt with other banking institutions
and have not received the same quality service and services as I have from Franklin Trust Federal
Credit Union. A wonderful banking experience at a financial institution where they make you feel like
a member of the family.
— I. N. - Windsor, CT; Member since 1996
I like Franklin Trust Federal Credit Union, because it offers different ways I can manage my money,
pay my bills, and make a money order or bank check. Also, I can view my account online. The great
thing I love the most is the audio response line where I can check my account balance and transfer
money when the credit union is closed. Having that option is great! The hours at Franklin Trust are
great, especially when Sundays are available. I would like to add that the staff members at
Franklin Trust are nice, helpful and respectful. That’s something I look forward to when I go to the
credit union. I always recommend Franklin Trust Federal Credit Union to family and friends.
— M.A. - Hartford, CT; Member since 2001
Health Savings Account
A Health Savings Account (HSA) provides you with flexibility and control over your health care costs.
Benefits include your ability to deduct your contributions, your earnings accumulating on a tax-deferred
basis, and distributions being tax-free if they are used for qualified medical expenses. In addition, you
can contribute at any time, with your balance rolling over from year to year. If you change jobs, you will
be able take your account with you.
For more information , stop in at any FTFCU office or call us at (860) 296-4379, ext. 110.
Tell Us Your Thoughts
Please share your ideas on how we can improve our credit union.
You can use the Suggestion Boxes in any of our offices, or email
your comments directly to our President, Kiernan J. Dubay, at
[email protected].
Retain FTFCU Membership…for life!
Staff Training: CPR
Always keep your Franklin Trust membership – even if you
Franklin Trust employees received CPR training during two
recent staff meetings. Potentially life-saving skills were taught
that would help both infants and adults.
Though we hope that we never need to use our
newly-gained knowledge, we are now
better prepared to assist in the
event that help is needed. 4/4
relocate or leave your job. It’s easy to access your accounts
online via NetTeller (log on to: www.franklintrust.org and click
on “NetTeller”), by phone (call Audio Response: 860-296-4379,
ext. 1), fax, mail, and at over 4,900 credit union service centers
nationwide (locate at: www.creditunion.net). By staying a
member, you’ll be able to compare our products and services
with others’ – and select what is best for you!
“Once a Member, Always a Member”…
an important benefit of your membership in FTFCU!
Save up to 20% on the
Cost of Your Electricity!
Franklin Trust Federal Credit Union wants you to pay a
lot less for electricity. In Connecticut, you can now save
up to 20% on the generation portion of your electric bill.
Enrollment is FREE, easy and there’s NO CATCH!
Sign up by going to www.franklintrust.org and click on the “Discount Power”
button on our home page. All you need is a copy of your electric bill. Simply fill
out the residential enrollment form and submit your application. An email from
Discount Power will provide a link to confirm your enrollment. Your request is
then submitted to your utility provider to let them know you have switched your
generation provider. On the next meter read date, the change will go into effect. You
will see the savings on your bill once you have gone through a full meter read cycle.
Save with Sprint!
Of course, you are welcome to bring your electric bill to any Franklin Trust office.
We would be glad to answer any questions and help you sign up.
Both new and existing Sprint customers can
save 10% off most regularly priced Sprint
Sign up today – and start saving!
individual service plans! Enjoy other exclusive
offers that only credit union members can
“CLUB 75”
receive, too!
In Club 75, you can earn up to .75% deducted from your new loan
Three Ways to Get Your Discount:
rate (VISA, Qwik Cash, Home Equity, HELOC & Overdraft Protection excluded)
and/or up to .75% added to your new certificate rate. Plus, you
- Call 877.SAVE.4CU (877.728.3428) and let
can enjoy free or discounted costs on items, such as GAP Insur-
them know you’re a credit union member. Ask
ance, VISA gift cards, money orders, and traveler’s checks.
to be a part of the NACUC_ZZM Corporate ID
to save
Club 75 points are automatically awarded depending on the
Franklin Trust products and services you use. Maximum benefits
- Click www.SprintSave4CU.com
are achieved when you reach our Platinum level, which is 75
- Visit your nearest Sprint store
points.
We introduced Club 75 in 2009, as part of our 75th Anniversary
celebration. For details or to check your Club 75 level, stop in
at any of our offices or call us at (860) 296-4379, ext. 110.
Employee
Spotlight
Jasmine Rivera
With a background in customer service in the retail industry, Jasmine Rivera joined
Franklin Trust as a Member Service Representative in February, 2006. After just three
years at the credit union, her exemplary work resulted in an elevation to her current
position: Member Service Supervisor.
Growing up in Hartford, Jasmine graduated from Bulkeley High School. Through
persistence and a diligent savings regimen, she bought a home in East Hartford
several years ago.
When asked what she likes to do when not at work, her eyes light up. “I enjoy family gatherings,” she says.
Jasmine celebrates birthdays and holidays with a large extended family that includes aunts, uncles, cousins,
and her Mom – all of whom live in the Hartford area.
What brings her the most happiness, however, is simply “spending time with the kids”, says Jasmine.
Daughter Jazlynn (age 12) and son Jayden (9) are her pride and joy. Watching movies (especially comedies)
and shopping are some of the activities they share together.
We’re glad that Jasmine spends her working hours at Franklin Trust!
Franklin Trust Federal Credit Union
Main Office
632 Franklin Avenue
Hartford, CT 06114
Serving Our Member-Owners Since 1934
Refinance with us!
EARN
$500 CASH OR MORE
(Look inside!)
WIN $50
FIND YOUR BIRTH DATE
(Details inside!)
Also visit us at…
Downtown Hartford Office 277 Asylum Street (at High School, Inc.)
www.franklintrust.org
Winner
Like us on
Follow us on
facebook!
twitter!
Upcoming Holiday Closings
Member Services
THANKSGIVING HOLIDAY
Open until 4:30pm on Wednesday, Nov. 21;
Closed Thursday, Nov. 22-Sunday, Nov. 25
SAVINGS
LOANS
ADDITIONAL SERVICES
Share Savings Accounts
Home Equity
Checking Accounts
CHRISTMAS HOLIDAY
Closed Saturday, Dec. 22-Tuesday, Dec. 25
Gold Star Money
Market Accounts
Home Equity
Line of Credit
NEW YEAR’S HOLIDAY
Closed Saturday, Dec. 29 & Sunday, Dec. 30;
Open Monday, Dec. 31 (regular hours);
Closed Tuesday, Jan. 1
Term Share Certificates
Automobile
Individual Retirement
Accounts (IRAs)
Personal
Christmas/Holiday Club
Accounts
Heating Helper
Direct Deposit
of Net Check
Payroll Deduction
NetTeller
Internet Banking
Moblie Banking
Shared Service
Centers
“FRED” Franklin Remote
Electronic Deposit
“FRED on the Move”
Mobile Electronic
Deposit
On-Line Bill Payer
VISA Classic, Gold &
Platinum
VISA Debit Card
VISA Gift Card
E-Statements
THREE KINGS DAY
Closed Monday, January 7
MARTIN LUTHER KING, JR. DAY
Closed Monday, January 21
Vacation Club Accounts
Health Savings Accounts
Coverdell Education
Savings Accounts
PRESIDENTS’ DAY
Closed Monday, February 18
Youth Accounts
GOOD FRIDAY & EASTER HOLIDAY
Closed Friday, March 29-Sunday, March 31
Summer FUNd Club
Contact Us
MAIN OFFICE
632 Franklin Avenue, Hartford, CT 06114
Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m.
Wed.: 10:00 a.m. - 1:00 p.m.
Thursday: 7:00 a.m. - 6:00 p.m.
Saturday: 9:00 a.m. - 12:00 p.m.
Sunday: 1:00 p.m. - 3:00 p.m.
Mortgages
Lifestyle
Qwik Cash
Overdraft Protection
Quinceanera
March Club
VISA Club Accounts
DOWNTOWN HARTFORD OFFICE
277 Asylum Street, Hartford, CT 06103
Mon., Tues., Thurs., Fri.: 9:30 a.m. - 4 p.m.
Wed.: 10 a.m. - 1 p.m.
Phone: (860) 541-0088 Fax: (860) 541-0095
The following branches are active when school is
in session (for students, staff & employees only):
BULKELEY HIGH SCHOOL BRANCH
300 Wethersfield Avenue, Hartford, CT
Tues. & Thurs.: 9:00 a.m. - 12:00 p.m.
HARTFORD PUBLIC HIGH SCHOOL BRANCH
55 Forest Street, Hartford, CT
Tues. & Thurs.: 1:00 p.m. - 4:00 p.m.
Audio Response
Check Images Online
Drive-Up Window
Electronic Rates Boards
Kiosks
Identity Theft Protection
Night Drop Box
Accident and Health
Insurance
Life Insurance on Loans
Long-Term Care
Insurance
Temporary Disability
Insurance
Traveler’s Checks
Financial Counseling
Notary Service
for Members
General Information: (860) 296-4379
Loan Dept. Extensions: 107 & 114
Audio Response Extension: 1
Toll-Free: (866) 835-8485
Fax: (860) 761-1980
Email: [email protected]
Website: www.franklintrust.org
Facebook: Franklin Trust Federal Credit Union
Twitter: @Franklin_Trust
MySpace: www.myspace.com/ftfcu
Shared Service Centers Locator: www.creditunion.net
Surcharge-Free ATM Locations:
www.co-opnetwork.org • www.sum-atm.com