Online Banking: What`s New and What`s Coming

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Quarterly Newsletter July 2013
Web: SuperiorFCU.com Phone: 419.223.9746
Online Banking: What's New and What's Coming
convenience banking services rivaling the
mega-banks. It's what you've come to expect
from your "simply superior" credit union and
we're happy to deliver. Coming soon - Purchase Rewards and Remote Deposit!
We're always searching for new ways to make
your life easier. That's why we continue to
bring our members the latest technology and
convenience services to save you time AND
money.
On April 24, 2013 we launched our all new
Online & Mobile Banking. We appreciated
everyone's patience as we moved to the new
system.
This full-service online banking technology
now allows you to bank from virtually anywhere
using your computer, smartphone, or tablet.
Other new features give you greater control
over your finances with budgeting, central
account management, bill management and
more.
And as we continue to add new features,
members will notice that Superior offers
WHAT'S NEW!
Mobile Banking Apps
Text Message Banking
Set Budgets and Track Spending
Central Account Management
Projected Balance
TurboTax integration with Tax Watch
COMING SOON!
Purchase Rewards - Receive money-savings
offers based on places you already shop!
Remote Deposit - Save a trip to the branch or
ATM—scan or snap a photo of your endorsed
check and deposit it in online.
WebConnect and DirectConnect - Enjoy convenient integration between Online Banking
and your Quicken and QuickBooks software.
Join Us For FREE Family
Movie Nights!
Have you had a chance
to join us for one of our
Lightning Bug Theatre
outdoor family movies
events? Already this
summer, we had a
great time watching
"Despicable Me" at
Robb Park and "The
Sandlot" at Faurot
Park.
There are still two
more opportunities to
join us! On Thursday,
July 25, we will show
the animated movie
"Up" on Vine Street
in Bluffton. On Thursday, August 15, we
will show "Oz the Great and Powerful" at
Memorial Park in St. Marys.
These events are FREE and open to the
public. Movies begin at dusk. Bring a lawn
chair or blanket and enjoy!
Many thanks to our co-sponsor, Jerry Lewis'
McDonald's, for joining SFCU in making this
community event possible.
Introductory rate of 0.99% APR (0.00271% daily periodic rate) valid through December 31, 2013. Rates as low as 3.00% APR (0.0082% daily periodic rate) following
intro period, based upon Prime Rate published in the Wall Street Journal plus a margin of (0.50%). Variable rate is subject to change monthly. Floor rate is 3.00% APR,
maximum rate is 15.00% APR (0.041% daily periodic rate). Other rates available. Annual fee of $25 will apply. Minimum $10,000 and 2-year repayment term for no
closing costs offer (costs average $200-$400). Maximum loan-to-value is 85%.
Superior Coach Spotlight: Henrietta Spencer
At just a few months shy of 90, Henrietta Spencer can be forgiven if she occasionally forgets
a thing or two. But her Credit Union member
number is not one of those things.
In fairness, Spencer’s member number is considerably easier to recall than most. She is
member 23, which marks her as the longest
tenured member of Superior Federal Credit
Union, and a wealth of information on SFCU’s
early days.
“I can’t remember what year it was I started off,
but I know I was the first member other than
the charter members, and the first woman in
the group,” Spencer said.
Now 89 and a resident of Elmcroft Senior
Living Center in Lima, Spencer still recalls the
day she was pulled in to help with what was
then a small credit union serving the employees at Superior Coach.
In 1954, Spencer was working in the Timekeeping office at Superior Coach when employees
decided to form their own credit union. Her
office just happened to house the credit union
office – more accurately, a cluttered desk and
one part-time teller.
“We just had the one girl working in the office,
and she took off at noon. Well, the boys would
come in wanting their statements and things
and I just ended up helping out,” Spencer
recalled.
The banking process was fairly informal in
those early years, Spencer said. Workers
could have money taken out of their checks
and placed into what we now call savings
accounts - in the early days, credit unions were
not allowed to offer checking. Credit union
tellers would keep track of accounts
on hand-written ledger cards. The
membership was small enough
that annual meetings were held
in the manufacturer’s front lobby.
“The credit union would have
its annual meeting in the front
lobby, which really wasn’t very
big. I remember the first time,
before we could get started we
had to have the night guards sign in so we’d
have a quorum,” Spencer said.
Spencer eventually was asked to join the
credit union’s loan committee. In those early
years, if a member requested a loan, a volunteer committee of three people would review
the request and make the call. It wasn’t always
an easy call to make.
—written by Bart Mills
“We had to review those guys and see if they
deserved a loan or not. If you don’t think that
was hard, well, it was,” Spencer said.
Spencer retired from Superior Coach in 1978,
just four years before the company closed
down. Her husband Ralph, who had been a
guard at the plant, died that same year. Since
then, she has remained active in the community. Until just recently, she was a volunteer
at Lima Memorial Hospital and a regular at a
range of public events, from Lima City Council
meetings to the Friday night dances at Lincoln
Park. Even now, she stills runs into old friends
from Superior Coach and her early days with
the Credit Union.
“I had a guy come up to me at the fair a couple
years back and call me by name. I asked him
how he knew me. He said ‘Well, you used to
Save BIG on your Home & Auto Insurance
Tired of paying higher rates for home or auto
insurance? You’ve always counted on Superior Federal Credit Union to be there serving
your financial needs. Now, our members have
access to insurance products & services and
the convenience of insurance and banking
services in one location! Superior Federal
Credit Union created its own insurance agency,
Superior Insurance Services (SIS), in January.
SIS offers offer discounted auto and homeowners insurance to Superior Federal Credit
Union members. Superior Insurance Services is
an independent insurance agent representing
more than 22 leading insurance companies,
including Progressive, Farmers Mutual Relief,
give me my paycheck every Friday,’” Spencer
said. “You met people then you’ll know forever. That was probably the best part of it.”
Listen to the T-102.1 FM Morning Crew
beginning July 1 for your chance to guess
how much is in the T-102.1/Superior Federal
Credit Union Piggy Bank. Guess correctly
and win the cash!
Donegal, Encompass Grange, Safeco, The
Hartford, Hanover, and Travelers.
SIS is committed to providing you with the
same superior service you have come to
expect from your credit union along with the
best insurance products and pricing available.
Call one of our three licensed representatives
– Jo, Emily, and Sarah – at (419) 879-4855 for a
free comparison quote today!
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