share the - Educators Credit Union

ECU
INSIGHTS
APRIL 2013
ECU Awards $9,000 in Scholarships
ECU awarded six $1,500 scholarships to deserving graduates. The scholarship committee reviewed every
applicant based on academic achievements, co-curricular and extra curricular activities, community service
and financial need. Winners attend the college or university of their choice and scholarships are paid directly to the school.
2013 winners were recognized and awarded at the Annual Meeting held on March 21st. Those honored
were: Tiffany Doan - Midway High School, Michael Donaldson - Connally High School, Rebekah Jirasek West High School, Frederick Roberts - Waco High School, Ryan Roessler - Reicher Catholic High School, Grace
Whitmer - Texas Christian Academy (pictured below from left to right).
SHARE
THE
Now is the perfect time to Share the Love! Refer a friend, family member or a coworker to ECU and if they open a checking account or open an auto loan, we will
give you both $10.00.* Don’t wait! Start referring your friends today! Fill out the
top part of the form and give to your friend to bring into any ECU location to join.
Forms are also available online at www.edcu.com.
Existing member’s name:____________________________________________
Address: _________________________________________________________
City, State, Zip: ____________________________________________________
REFER a FRIEND
For Official Use Only:
Date Opened:________________
Teller #:______________________
New member #:_______________
Receipt sent:_________________
-------------------------------------------------------------------------------------------------------------------------------------
New member’s name:_______________________________________________
Address: _________________________________________________________
City, State, Zip: ____________________________________________________
*Certain restrictions apply. Please visit www.edcu.com for official rules or pick up a copy at any
ECU branch.
MOVE YOUR
LOANS TO ECU
AUTO
LOANS
AS LOW AS
2.39
2.99
%
APR*
HOME EQUITY
LOANS
AS LOW AS
%
APR**
www.edcu.com • 800.596.5460
*APR = Annual Percentage Rate. Rate is based on credit rating and is subject
to credit approval. Rates and terms are subject to change without notice.
Rate reflects discounts for additional credit union services. Rate cannot be
applied to vehicles already financed with ECU. Other restrictions may apply.
Contact the credit union for details. **APR = Annual Percentage Rate. Rate
is based on credit rating and is subject to credit approval. Minimum loan
amount is $25,000. Rate is for a 15 year term. Rates, terms and conditions
are subject to change without notice. ECU membership is required. Contact
the credit union for details.
PROTECT YOUR VALUABLES WITH
A SAFE DEPOSIT BOX
Safe deposit boxes are available for rent at our Copperas
Cove Office, Hewitt Office, Lake Shore Office, Main
Office, Robinson Office and TSTC Office. Size and availability varies at each office.
Please stop by or call your local ECU office
for availability.
Box sizes and pricing are:
BOX
3x5
3 x 10
PRICE
$15.00
$30.00
5 x 10
8 x 10
10 x 10
$40.00
$55.00
$75.00
Protect Your Debit Card
Information
Using your debit card is a simple, hassle-free way to make
purchases. To enjoy the many
conveniences debit offers, you
should make protecting your
debit card a priority. Here are some important safety
tips:
• Treat your card like cash – store it in a safe place.
• Shop carefully online – only use secure sites and
network connections.
• Report a lost or stolen card at once.
• Review your account statements regularly.
• Never disclose personal information in response to
an unsolicited request. Remember the credit union
will never call, text or email you asking for your
account information.
ATM & Night Deposit Precautions
We want the ATM and night deposit facility to be safe and
convenient for you, so follow these helpful hints:
1. Always save your ATM receipts. Don’t leave them at the
ATM. Compare your records with the account statements
you receive.
2. Don’t loan your ATM card to anyone. Remember, do not
leave your card in the ATM.
3. Protect the secrecy of your Personal Identification Number
(PIN). Don’t give anyone information regarding your ATM
card or PIN over the phone. Prevent others from seeing you
enter your PIN.
4. If you lose your ATM card or if it is stolen, promptly notify
ECU.
5. Be aware of your surroundings. Look out for suspicious
activity near the ATM or night deposit facility. At night, be
sure that the facility is well lit. Consider having someone
accompany you. Don’t accept assistance from anyone you
don’t know.
6. If you notice anything suspicious or if any other problem
arises after you have begun an ATM transaction, cancel the
transaction, pocket your card and leave.
7. Don’t display your cash; pocket it as soon as the ATM
transaction is completed and count the cash later when you
are in a safe area.
8. At a drive-up facility, make sure all the car doors are
locked and all of the windows are rolled up, except the
driver’s window. Keep the engine running.
9. Report immediately any suspicious activity or crimes to
both the police and the operator of the facility.
Employees Receive Service Awards at Annual Meeting
Vicki Dickey
TSTC Office Manager
25 years
Felicia Fuller
Robinson Office Manager
15 years
Keith Meyer
Loan Officer
15 years
Kathy Cate
Title Clerk
10 years
Debora Alspaugh
Loan Officer
5 years
Trista Bearden
Teller
5 years
Karen Erwin
Teller
5 years
Jon Janacek
Teller
5 years
Ryan Newton
Loan Officer
5 years
Angela Owens
Accounting
5 years
“We are very proud of our
employees and know
Educators Credit Union is
where we are today thanks
to our dedicated staff”
Sherry Phillips
Teller
5 years
Michael Amador
Teller
3 years
Colleen Pratka
Asst. Credit Administrator
3 years
Joe Hutyra
President
talk about savings.
say hello to the Sprint Credit Union Member Discount.
• 10% off* select regularly priced Sprint service plans
• 15% off* select regularly priced Sprint business service plans
• Waived activation fee on new activations
• Waived upgrade fee
Click www.LoveMyCreditUnion.org/Sprint
Call 877.SAVE.4.CU. (877.728.3428)
Visit your local Sprint retail location.
Tell them you’re a
Credit Union Member
to get this exclusive offer.
Ask them to be attached to the
NACUC_ZZM Corporate ID.
2012 Sprint Item #800-22
©2012 CU Solutions Group 03/12 567
*Application of discount requires 2-year contract extension on existing plans.
Verification of membership is required at time of activation/upgrade.
Discount does not apply to secondary lines.
All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.
For a complete update on the rules of the Sprint Credit Union Member Discount program,
please visit www.lovemycreditunion.org/Sprint.
NATIONAL CREDIT UNION YOUTH WEEK
ALL C.U.B. AND TEAM MEMBERS!
Visit ECU the week of April 22 - 27 and help us celebrate
National Credit Union Youth Week. Be a savings sleuth at
ECU by saving your money in your savings account.
Stop by any ECU and make a deposit to your C.U.B. or
TEAM account:
• to be entered in the National Savings Challenge and
• to be entered to win one of five $20 prizes.*
Remember, ECU membership is open to all your family
members.
*One entry per account number per day. CUB or TEAM member must be present to be entered to win cash prize.
IMPORTANT NOTICES
Funds Availability Policy
Changes in Federal Regulation CC and the centralization of the Federal Reserve check-processing regions have shortened the clearing time for checks deposited at ECU. The changes allow ECU to reduce the delay period in cases where
it is necessary to place a “hold” on a check in which case you would be notified.
Our general policy continues to allow you to withdraw funds deposited into your account immediately. In some cases,
we may delay your ability to withdraw funds and provide you with the reason for and period of delay.
A detailed copy of our Funds Availability Policy is available on our website at www.edcu.com or you may call 1-800596-5460 to obtain a copy.
Notice of Availability of Documents
ECU will provide information on the following documents on request:
1.
2.
3.
4.
5.
A summary of the most recent annual audit
The most recent statement of financial condition
IRS Form 990 report
Articles of Incorporation
Bylaws and Rules
Requests must be made in person, by a member of legal age, at ECU’s main office located at 501 W. State Hwy 6 in
Waco.
Locations:
Main Office - 501 W. State Hwy 6 • 254-776-7900
TSTC Office - 100 Bolling Dr. • 254-799-8946
Hewitt Office - 501 Hewitt Dr. • 254-666-7711
Lake Shore Office - 2400 W. Lake Shore Dr. • 254-752-1815 Robinson Office - 641 N. Robinson Dr. • 254-662-9595
Marlin Office - 1210 Live Oak • 254-803-5290
Gatesville Office - 306 S. Lovers Ln • 254-865-8664
Copperas Cove Office - 201 E. Robertson Ave. • 254-547-4411
Audio Response:
254-751-5871
1-800-460-1331
Online:
www.edcu.com
Holiday Closings:
Memorial Day - Monday, May 27th
Independence Day - Thursday, July 4th
Your savings federally insured to at least
$250,000 and backed by the full faith and credit
of the United States government. National
Credit Union Administration, a U.S. Government Agency