PAY LATER. - Eastman Credit Union

DRIVE NOW.
PAY LATER.
Newsletter for Members • June 30, 2013
News Briefs
Shred Days
Come take advantage of a wonderful
opportunity to eliminate unnecessary theft
and security risks, free up some space and
get rid of old, useless files. All shred events
will be held from 1:00p.m.-5:00p.m.
For more details, and a full schedule, visit
www.ecu.org.
Upcoming Shred Days:
Stone Drive branch July 12
Gray branch
July 26
Lee Highway branch
August 16
Jonesborough branch
August 23
Colonial Heights branch September 13
Gate City branch
September 27
Credit/Debit Card Reminder
Neither ECU, nor its representatives, will
ever call, text or email you to request your
full card number or the security code from
the reverse side of your card – we already
have it. Representatives may confirm
information using the last four digits of the
card. If you are concerned about the validity
of any request, please contact ECU at
423.229.8200 or 800.999.2328 before
providing anyone with
your information.
At Eastman Credit Union, we go the extra mile to
offer loans with lower rates, smaller payments
and convenient features.
Right now, you can experience a great,
low rate on new and used autos and
RVs with the added bonus of deferring
your payment for 90 days! That’s right
– finance your new or used auto or
RV during July and you won’t have a
payment until October!
You can also apply for your loan 24
hours a day, 7 days a week via the
Web or phone. To make the process
even more convenient, our electronic
signature technology allows you to
complete your loan documents from
anywhere at anytime using your
smart mobile device.
You can even get pre-approved! With
ECU’s pre-approval program, you
know you are approved for your loan
before you ever make your purchase.
An ECU loan representative can
determine a loan amount that is
just right for you and your budget.
You can then go shopping with
confidence – ready to negotiate your
best deal. It’s that easy!
Do you have auto or RV loans at other financial institutions? Are you
paying a higher interest rate? Check out ECU today – we could save
you money!
Be part of the extraordinary difference
and finance with ECU!
Apply today!
Important information:
Loans are subject to credit approval.
Payment deferral available for a limited time.
Teller Tip: To easily identify different accounts under
the same member number, tellers are able to nickname
your various accounts upon request.
Improve Your View
with an ECU Home Equity Loan!
Enjoy great low rates on fixed
and adjustable terms.
Check out our Home Equity Line of Credit1.
ECU pays the majority of your fees.
Get easy access to your HELOC with the Equity Express® debit card.
Does your kitchen, bathroom or front yard need a new look? Start with an ECU Home Equity loan!
Call 423.578.7398 or 800.999.2328 to schedule an appointment, or visit www.ecu.org to apply today.
Home Equity Line of Credit is not offered in the Texas area.
1
Make Sure You’re Covered
Did you know your everyday check card transactions are not automatically
covered by an Overdraft Protection program? The good news is you can now
choose to start receiving overdraft protection on typical day-to-day, one-time
check card transactions you make at places such as grocery stores, restaurants,
gas stations and doctor’s offices. Opt in now to cover your
everyday check card transactions and shop with confidence! Call
423.229.8200 or 800.999.2328, or visit www.ecu.org and log into
your ECU Online® account to opt in today.
Community Advisory Board
The ECU Community Advisory Board met in
April to discuss ways ECU can better meet the
needs of the communities served and increase
awareness of ECU membership benefits.
The Community Advisory Board consists of ten
individuals representing various communities
and groups within ECU’s membership. Advisory
Board members provide input and strategic
direction as to how ECU can best serve the
groups they represent. The 2013 Advisory Board
consists of Nick Adams (Wellmont Health
System), Miles Burdine (Kingsport Chamber),
David Baker (FutureFuel Chemical Company,
Arkansas), Tabetha Church (Tempur-Pedic),
George DeCroes (Eastman), Andy King
(MeadowView Marriott), Michael Lockard
(K-VA-T Food Stores, Inc.), Gary Mabrey
(Johnson City Chamber), Dr. Katherine Palmer
(Mount Carmel Pet Hospital and Hawkins
County community representative) and Vicki
Wolfe (Longview community representative).
ECU appreciates these volunteers
for their participation in providing
valuable input on our operations,
products and services.
Pictured left to right: Michael Lockard, Chief Financial Officer, K-VA-T Food
Stores, Inc.; Vicki Wolfe, Human Resources retiree, Eastman Chemical Company;
Nick Adams, Executive Director of Marketing Communications, Wellmont Health
System; David Baker, Senior Vice President Operations Support, FutureFuel
Chemical Company; Dr. Katherine Palmer, Veterinarian, Mount Carmel Pet
Hospital; Miles Burdine, President and CEO, Kingsport Chamber of Commerce
Friends & Neighbors
“ECU Beside You” extends beyond our member relationships, it’s a commitment to the
communities we serve.
“When we enter a community, we want to be more than another financial institution. We want to
make an extraordinary difference,” said Olan O. Jones, CEO/President of Eastman Credit Union.
ECU donates to hundreds of organizations each year with the intent of giving a “hand-up and
not a hand-out”, which is a phrase commonly used by one of the newest organizations on their
social contribution list – Friends and Neighbors, Inc. of Kingsport.
The goal of Friends and Neighbors, founded by Kermit Addington in late 2011, is to reduce the
number of homeless families in the Kingsport area with school-aged children. When Addington
approached some Sunday school classes less than two years ago about the issues facing
Kingsport city’s homeless population, he never dreamed that this leap of faith would land him as president of a not-forprofit organization by the summer of 2012.
When the organization began, more than 270 children in Kingsport city schools were homeless, today that number is
over 320. The organization assists families by offering affordable housing, case management, education, training and
support to help them regain a positive position in their community. From furniture and transportation, to safe and stable
homes, Friends and Neighbors offers a hand-up by requiring families to make partial rent payments, participate in case
management and complete volunteer service hours.
In less than two years, Friends and Neighbors made dreams become realities and turned the impossible into possible
for 14 Kingsport families. Some of the organization’s accomplishments includes: receiving official not-for-profit status,
accepting office space and training facilities from the Kingsport Housing Authority, obtaining donations of three houses
and a car, receiving support from a newly formed Pastor’s Coalition, expanding the volunteer base to include interns from
ETSU, hiring a full time professional case manager, bringing in a volunteer grant writer, gaining fantastic partnerships
with area churches and experiencing their first family move out on their own.
“Making our communities better places to live is good for everyone involved,” said Jones. “We’re proud to support Friends
and Neighbors, and the great work of their board of directors and volunteers.”
If you would like to learn more about Friends and Neighbors or how you can become involved, contact them at
www.friendsandneighborsinc.com or call 423.378.2926.
Congressional Art Contest
Each spring, the Congressional Institute sponsors a nationwide high school visual art competition to recognize and
encourage artistic talent in the nation and in each congressional district. Eastman Chemical Company and Eastman Credit
Union have sponsored this event for several years, providing gift cards for the winners and professional framing for those
who placed in the competition.
ECU thanks Congressman Roe (TN) and Congressman Griffith (VA) for their support of education initiatives.
Front row (left to right) Beth Stephens, 1st place winner; Abigail
Jones, 3rd place winner; Maggie Keene, Honorable Mention; Emily
Crittenden, Honorable Mention; Monique Hall, 2nd place winner;
Angela McCamy, Eastman Government Relations
Back row (left to right) Gary Tucker, ECU Senior VP Government
& Business Relations; Congressman Phil Roe; Robb Houser, 1st
place art teacher
Left to right Congressman Morgan Griffith; Anna Wagner, Eastman
Government Relations; Kamryn Blankenship, 3rd place winner; Ella
Bishop-Heil, 1st place winner; Kathryn Carico, 2nd place winner;
Gary Tucker, ECU Senior VP Government & Business Relations
A New Budgeting Resource For You
As part of Eastman Credit Union’s commitment to helping you realize your
financial goals, we are pleased to announce OnTrack - your newest benefit
of membership!
OnTrack is an online tool that helps you create a budget
and a spending plan. OnTrack can be found at
www.ecu.org>FinancialEducation>Topics>Budgeting.
OnTrack takes the guesswork out of knowing exactly how much
money is coming in and going out. In this self-guided module, you
will create a realistic budget, and will find tools for tracking expenses,
tips for taking control of your personal finances, direction on
reducing debt and information specific to challenges you might be
currently facing.
OnTrack is designed to be anonymous, but you may choose to have a
counselor contact you for unbiased money management information
and financial counseling once you are completed. All you have to do
is fill out your information at the end of the program or make a toll-free
phone call to our partner, BALANCE, at 888.456.2227. A certified financial
counselor can answer many of your questions immediately – from how
long an item stays on your credit report, to whether it’s better to lease
or buy a car. For more complex issues, such as debt elimination or budget
development, BALANCE will schedule an appointment to help provide you
with the personal attention you need to meet your objectives.
We recognize that money concerns can have a serious effect on one’s quality of life.
That’s why ECU offers BALANCE financial counseling services to all members, free of
charge. To contact BALANCE directly, visit www.balancepro.net or call 888.456.2227.
Is your insurance coverage
right for you? Let an ETW
representative review your
current coverage to make sure
you are protected in the event
of a loss. They may even find ways to save you money!
For ECU member-owners’ convenience, ETW agents are
available on the second floor of ECU’s Wilcox Drive location.
For a complimentary, no-obligation insurance quote or
consultation with a licensed ETW agent, call 423.578.7373
or 800.999.2328, ext.7373.
Edwards, Tipton, Witt Agency (ETW) is an independent agency offering automobile and
homeowners insurance through a marketing agreement with ECU Financial Services, Inc. ETW
agents are licensed in Tennessee, Virginia and North Carolina. Insurance products are not bank
deposits, are not insured by NCUA or any government and are not obligations of, or guaranteed
by, any financial institution. Acceptance of insurance products through Edwards, Tipton, Witt will
not affect or influence a member’s loan decision, rate or terms with Eastman Credit Union.
It’s never too soon to start planning
for retirement, but sometimes
choosing the option that’s right for
you can be overwhelming. Let ECU
Asset Management’s knowledgeable
Financial Consultants help guide you
to a choice that fits your lifestyle and needs. They can explain a variety
of retirement planning strategies and help you choose the one that
addresses your goals.
For a free consultation with an ECU Asset Management Representative,
please call 423.578.7369 or 800.999.2328, ext. 7369.
Representatives are located on the second floor of Eastman Credit
Union’s Wilcox Drive location.
Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products
offered through LPL Financial or its licensed affiliates. ECU Asset Management is a brand
name under which LPL Representatives offer securities and insurance products through
LPL Financial to Eastman Credit Union members. Eastman Credit Union and ECU Asset
Management are not registered brokers/dealers and are not affiliates of LPL Financial.
Not NCUA Insured
Not Credit Union Guaranteed
May Lose Value
For more details about ECU’s products and services,
visit www.ecu.org, or call 423.229.8200 or 800.999.2328.
The Eastman Credit Union logo, ECU Online, ECU, Equity Express,
It’s Your Money and Lifeline are registered service marks of Eastman
Credit Union. Information in this newsletter is accurate as of date of
printing and is subject to change at any time without notice.