Get the Most Out of Every Year Unlike your bank.

Unlike your bank.
Q4 2015
Get the Most Out of Every Year
As 2015 draws to a close, it’s time for us to think about the things that
matter most. To us, that means our members! We want to continue to
build a strong relationship with you, and that means providing you with
safer ways to spend, smarter ways to save, and simple ways to share
the perks of membership with friends and family.
As we continue to grow, we want to help you grow, too — in everything
from your free time with family and friends, to your savings, to your
confidence in Allegacy to help you make smart financial choices and
finish the year stronger than ever.
Continued on next page in the CEO Letter…
f rom t h e d e s k o f c at h y j . pac e , c eo
Chances are, you’re shopping much more than usual as the
holidays approach. At Allegacy, we want to make sure you’re
using the best, most secure payment methods available, which
is why we’re moving toward safer payment options, including
EMV chip cards and tokenization, that greatly decrease your
chances of experiencing fraud.
be yourself.
and enjoy
every minute.
It’s important for us to be an industry leader, staying at the
forefront of new technology, to give you the options you need
to stay safe. So we’ll be transitioning all debit and credit cards
to chip cards by the end of Q2 in 2016, and all of our cards will
move to a 5-year expiration date.
platinum
We also want to make sure you can access your funds when
and where you need them. If you plan to travel over the
holidays, it’s important for you to let us know. We don’t want
you to have to worry about your card being shut down after a
false alarm.
Your friends and family can also benefit from Allegacy’s new
offerings. Give the gift of membership* to them by sharing the
educational tools, discounts and services that have helped you
along your journey to financial success — this season, and in
seasons to come.
®
INTRODUCTORY RATE OF
1.99%
APR
on purchases + transfers
*
At this time of year, and always, we at
Allegacy are grateful for our members
and wish you a safe and happy holiday.
Our special rate Visa card
lets you do what you do.
NO BALANCE
TRANSFER FEE
for 12 months
Apply online or in person today.
*Membership subject to eligibility requirements
•2•
*All loans subject to credit approval. Introductory 1.99% APR on purchases and balance transfers made within 12 months of
account opening. After that, the variable APR for the unpaid balance and any new balance transfers will be 11.15%-14.15% APR
(based on your credit history and profile) and will vary with the market based on the Prime Rate. There is no fee for balance
transfers. APR effective as of 09/01/15.
©2015 Allegacy Federal Credit Union
Expand your payment options.
Technology moves fast these days, and
it’s easy to feel like you’re not caught
up, which can be particularly scary
when it comes to keeping all your
financial information safe and secure.
Luckily, Allegacy is ready to keep up.
Safeguarding your information is one
of our most important responsibilities.
That’s why we’re moving forward with
new, smarter ways to protect our
members against fraud, by introducing
EMV chip cards and tokenization.
How each option works:
—> EMV Chip Cards: Insert card into
EMV chip card-enabled machine and
follow directions. Enter PIN or sign to
authenticate the purchase, remove
your card and you’re good to go!
be adventurous.
and go where
life takes you.
Note: If the merchant is not EMVready, you can still swipe your card,
no problem.
—> Tokenization: If you’re using a
mobile app like Apple Pay, simply tap
the screen at a compatible point of
sale to pay automatically.
With these new payment methods,
shopping has never been easier — or
safer. EMV chip cards protect your
sensitive data by creating a unique, one-time code for each interaction.
And with tokenization — like Apple Pay — you can pay virtually anywhere,
online or on the go, safely and securely. That’s because merchants receive
a random code, or “token,” in place of your card information, while your
actual card data is safely stored away.
Wherever you shop and however you pay, we’ll always make sure you have
access to convenience, security, and peace of mind.
An affordable Auto
Loan can help get
you on your way.
Rates as low as
1.69%
APR
*
NEW + USED
Apply online or in person today.
*Annual Percentage Rate. All loans are subject to credit approval. Rates are based on your credit history and profile. Rates are
subject to change without notice. 1.69% APR effective as of 09/01/15.
©2015 Allegacy Federal Credit Union
•4•
Get more from your savings.
Looking to save for a rainy day?
Money Markets are great for:
A Money Market account from
Allegacy makes for a great
—> Homebuyers: Start saving for that
umbrella. An Allegacy Money
new home — whether it’s your first
or your dream home.
Market account pays a higher
—
>
interest rate than most savings
Anyone who wants to save:
A Money Market account
accounts while at the same
allows you to earn a higher
time giving you limited checkreturn while at the same
writing ability and dividends
time giving you the freedom
compounded and paid monthly.
to move funds quickly if
certificate rates increase.
In short, a money market
account combines the attractive
features of both a savings
account and a checking account. Like all Allegacy accounts, a money
market account is insured by the National Credit Union Administration.
Allegacy’s Money Market Accounts can be a smart, safe way to get
the most out of your savings. Money Markets give you easy access
to your funds and are an effective way to save for large purchases or
future emergencies.*
*Some transfers/withdrawals limitations may apply. Fees may reduce the earnings.
The event will include a 5K
route for runners and walkers, as
well as a fun run 1-mile course
prior to the 5k start. There will
be games for all ages, including
special décor, music, costumes
and dances, as we run through
moments in time and see
snapshots of different decades
starting in the ‘50s.
October 24th,
rain or shine,
at Tanglewood Park.
Register online today!
AllegacyFCU.org/RetroRun
•6•
•7•
Take care of business.
Whether your business is big, small, or somewhere in between, Allegacy has
a checking account that’s sure to be just the right fit. Our three business
checking account options are Business Community, Business Value, and
Business Preferred. Each account features:
• Low Minimum Deposits
• Business Debit Card
• WebBanking™
Sharing the Wealth of Wellness
with AllHealth Lite
It may seem hard to believe, but by 2020, more
than 75% of deaths in the U.S. will be caused
by preventable diseases due to unhealthy
lifestyles. These diseases usually start during
our “working years” — which means employers
have an incredible opportunity to influence the
health of their workforce.
At Allegacy, we take this responsibly seriously.
Our wellness efforts have led to reduced risk
factors for our employees, increased employee
engagement, and lower health care costs
than our peer groups. In June 2015, we were
again named as one of the Triad’s Healthiest
Employers by The Business Journal. Now, we
want to share what we’ve learned and gained
with other organizations.
Here is a closer look at what
employers receive when they
purchase AllHealth Lite for
their employees:
—> A bi-weekly health and wellness
newsletter
—> Special discounts with local vendors
promoting health and fitness
• WebPay™
Our Business Value Checking Account lets your business enjoy both the highs
and the lows — high returns and low fees, that is. This account also includes:
• $10 Maintenance Fee (Low monthly maintenance fee waived with
minimum $5,000 average balance)
• First 750 transactions* free ($.035 per transactions over 750)
• Up to $5,000 in currency deposits free
• Dividends earned on tiered balances
*Combined paper and electronic debits, credits and items deposited.
—> Educational programs and materials
to enhance wellbeing
—> Financial literacy training on topics
that promote financial wellness
That’s why Allegacy Business Solutions* is implementing AllHealth Lite, a new wellness option
for organizations with fewer than 100 employees that might not otherwise be able to offer such
benefits to their employees. AllHealth Lite is designed from our own internal wellness initiative
to provide a meaningful and affordable way for employers to begin building a culture of health
in their organization. For a per-employee annual fee, companies will receive access to a full
range of organizational health and wellness benefits, including membership to the credit union.
To learn more about AllHealth Lite, contact Jill Lackey, VP Consulting,
at 336.774.1196 or [email protected].
*Allegacy Business Solutions is a collaboration of services offered by Allegacy Federal Credit Union and its wholly owned
credit union service organization Allegacy Services, LLC. Consulting services are offered by Allegacy Services, LLC.
•8•
•9•
i m p o r ta n t i n f o r m at i o n
HAPPY HOLIDAYS FROM ALLEGACY!
However you celebrate the season, we
hope you stay safe and enjoy spending
time with friends and family.
···································
KING FINANCIAL CENTER
It is with great excitement that we share
with you that the newest Allegacy Financial
Center is coming soon to Main Street at
Route 52 in King!
Artist rendering
Partner with Allegacy Investment Group.
Enjoy complimentary financial plans –
exclusive for members – available through
CUSO Financial Services, L.P. (CFS).
SKIP PAY REMINDER
Our multi-award-winning team offers complimentary financial
planning with the latest technology. So what are you waiting for?
Visit AllegacyInvestmentGroup.org to find a complete list of services,
learn more about our CFS* advisors and sign up for our eNewsletter.
ACA – Individual Health
Insurance – What
Employers Need to Know
Thursday, October 15th
WEBINAR – 10:00 am
Buying or Building Your
Own Home Workshop
Thursday, November 19th
6:00 pm
For more information on Allegacy’s
Educational Opportunities, visit
AllegacyFCU.org/workshops. Space
is limited. Reserve your spot today!
h o l i day c lo s i n gs
···································
Wherever you are in life, Allegacy Investment Group is dedicated
to helping you develop personalized strategies to build wealth and
create plans to preserve and protect that wealth for years to come.
e d u c at i o n a l
opportunities
Members who typically qualify look forward
to Skip Pay and expect it in the spring and
winter. This year, members received one
mailer, with the option to skip two cycles of
their choice. Have you taken advantage of
your offer yet?
October 12
Columbus Day
November 11
Veterans Day
November 26–28
Thanksgiving Observance
December 25–26
Christmas Observance
Allegacy is federally insured by the NCUA.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a
registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through
CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union
and may involve investment risk including possible loss of principal. Investment Representatives are registered
through CFS. Allegacy Federal Credit Union has contracted with CFS to make non-deposit investment products and
services available to credit union members.
All loans are subject to credit approval. Rates and terms are subject to change without notice. *Insurance services and products
are offered by Allegacy Business Solutions, a trade name of Allegacy Benefit Solutions, LLC, a subsidiary of Allegacy Services, LLC. Allegacy Services, LLC is a credit union service organization and subsidiary of Allegacy Federal Credit Union. Insurance services
and products are not a deposit, not insured by NCUA or any federal government agency, and not guaranteed by the credit union.
Our mission is to help you make smart financial choices.
336.774.3400 | 800.782.4670 | AllegacyFCU.org | AllegacySmart.com
Facebook.com/Allegacy | Twitter.com/Allegacy | Instagram.com/AllegacyFCU
P.O. Box 26043
Winston-Salem, NC 27114-6043
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# A LLEGAC YC A R E S
#allegacycares about our community, and we
want to know how YOU like to give back!
•
Use #allegacycares to share all the
inspiring ways you’re helping out.
Unlike your bank.