Document 6470555

Member Values
FEDERAL CREDIT UNION
Second Quarter 2005
~YOUR FINANCIAL ALTERNATIVE~
where PEOPLE are worth more than money
We Have Great and Exciting News for Kanawha County...
Members Choice WV Federal Credit Union is now operating under a new
communitycharter approved by the National Credit Union Administration.
This change was implemented after recognizing the need for an expanded
field of membership, allowing more people to gain access to the many benefits
of Members Choice WV Federal Credit Union.
With the new charter, Members Choice WV Federal Credit Union is now
serving people who live, work, worship, volunteer, or attend school and
businesses or other legal entities in Kanawha County, West Virginia.
We’re proud to announce this community charter, and are very excited to have
the opportunity to serve ALL of Kanawha County. Members Choice WV FCU
is committed to offering a complete range of financial services to everyone.
We welcome new members so they may begin enjoying the benefits of
membership including:
* Free Checking
* Personal Loans
* VISA Check & Credit Cards
* Mortgages & Home Equity Loans
* IRA’s & CD’s
* New & Used Vehicle Loans
* Club Accounts
* Boats & Recreational Vehicle Loans
* Share & Share Certificate Accounts * N-Touch-24
* Dial-A-Teller
* Plus Many More Services!
* Online Bill Pay
So, if you are already enjoying the benefits of being a member and know of
someone who is interested, eligible or looking for their financial institution
alternative please encourage them to visit our location:
201 Ohio Avenue, Charleston WV 25302
Or visit us on the web at: www.memberschoicewv.com
Members Choice
is offering discounted tickets to all of its
members again. Prices are as follows:
Children’s One Day- $22.00 ($26.99@gate)
Adult One Day- $35.00 ($44.99@gate)
Two Day Pass $45.00 (no age limit,
doesn’t have to be used consecutively!)
Parking Pass- $7.00 ($9.00@gate)
BONUS!!
Adult On-Sale Tickets are only
$27.50!! Hurry, this ticket price
is only good until June 12th.
The one-day tickets allow the ticket holder
to get in the night before after 5pm for only
$10.00!
* Children’s tickets apply to those age 3-6 or
under 48”and Senior Citizens
Inside This Edition:
National Credit Union
Youth Week 2005, April 17-23
isit Members Choice the week of April 17 - 23
and help us to shine the spotlight on YOUTH during
National Credit Union Youth Week. Members Choice is
committed to helping young people build a strong foundation
for making financial decisions. We will be celebrating our
younger generations by encouraging them to save!
Be Sure to Watch Your Mailbox for more
details about the exciting events taking
place during National Youth Week at
Members Choice WVFCU!
In the Know........................2
•
Identity Theft
•
Important Information for
•
VISA Cardholders
What’s Happening..............3
•
Home Equity Promotion
•
Auto Loan Promotion
•
Member Survey
Member Values Quiz.........4
•
FREE Cash
Important information passed to you from
your Credit Union that puts you
“In the Know” NOW
TO VISA DEBIT & CREDIT CARD HOLDERS
IDENTITY
THEFT
dentity theft occurs when a thief obtains-and illegally uses- your
identifying information, such as your Social Security Number or your
credit card or checking account numbers, to open new credit
accounts and apply for loans in your name.
Preventing Identity Theft:
* Before revealing personal financial information, find out whom
you’re dealing with, how the information will be used, and if it will
be shared with others.
* Only give your SSN when it’s absolutely necessary. Ask if you
can use another identifier, such as a driver’s license, instead. And
don’t carry your Social Security card in your wallet unless you need
it that day.
* Keep items with personal information in a safe place and either
shred them or tear them up when you don’t need them anymore.
Dispose of checking/share draft copies and statements, receipts
with a credit card imprint, insurance forms, expired credit cards,
savings and investment account statements, and credit card offers
the same way.
* Order a copy of your credit report from each credit-reporting
agency every year.
* Look over your credit card and credit union statements each
month for unauthorized charges or suspicious activity.
* Photocopy financial cards and insurance cards you carry in your
wallet (front and back) keep the copies in a safe place; if your
wallet is lost or stolen you can promptly and accurately report the
loss.
For more useful information on Preventing Identity Theft check
out the Credit Union National Association website:
www.cuna.org
Change to process for posting foreign
transactions on billing statements
Currently, when a purchase is made in a foreign
country, the transaction amount is converted
to U.S. dollars, and adjusted by a 1% currency
conversion fee. When the transaction is
posted to your account, the total amount
(purchase amount plus conversion fee)
appears as a single transaction on your billing
statement.
Effective April 2, 2005, the currency conversion fee will be discontinued. Instead, a 1%
International Transaction Fee will be assessed
on all transactins where the merchant country
differs from the country of the card issuer. The
converted transaction amount will be shown
seperately from the International Transaction
Fee on your billing statement. This fee will be
assessed on all international purchases, credit
vouchers, and cash disbursements.
Change to Foreign Transaction
Currency Exchange Rate
Effective April 2, 2005, the exchange rate for
transactions in a foreign currency will be a rate
selected by Visa from the range of rates
available in wholesale currency markets for the
applicable central processing date, which rate
may vary from the rate Visa itself receives, or
the government mandated rate in effect for the
applicable central processing date plus the 1%
International Transaction Fee.
This Quarter at YOUR Credit Union
Home Equity
Loan Special
Beginning April 1st thru June 30th
Members Choice WV FCU will
3rd
Party
Did you know that no matter where you purchase
your new or used car, from an individual
or a dealer, you can finance through US!
And now starting.....
If you finance your auto loan of $7,500 or more with
US you will receive a CAR CARE PACKAGE
including bucket, sponges, wash and wax, one free
LENDER
For Members wishing to purchase or refinance gas card, one free oil-change and many more
exciting suprises! -OR- Take advantage of our
their primary residence!
2nd Chance Promotion and
*Loans Must Be a Minimum of $50,000 and must be Portfolio Loans
your existing new car loan with us and receive a
*Not applicable to Secondary Market Loans
For more details contact:
** $75 FREE GAS CARD!
Jennings Burch (Mortgage Specialist)
Telephone: (304) 346-5242 Ext. 208
Email: [email protected]
* Both Promos are subject to normal credit approval guidelines
** Vehicle must have been purchased after September 1, 2004.
Please fill out the survey below and return it to the credit union by April 30th. You will be eligible for a prize
drawing of $100! Your information is confidential and your comments matter! Thank you for your time and
submission!
1. Your sex:  Male
 Female
2. Age: under 18 18-25 26-35
3. Favorite Radio Frequency:  AM  FM
36-44
45-54 55+
5. My favorite Station is
4. I listen to the radio mostly……………
 In the mornings (6am – 9am)
FM Stations
AM Stations

During the day (9am – 5pm)
 88.5 ‘WV Public Radio’  580 ‘Talk Radio 58’

In
the evenings (5pm – 12am)
 96.1 ‘The Wolf’
 680 ‘Solid Gospel ‘
 97.5 ‘WQBE’
 1490 ‘ESPN Radio’
6. I watch TV mostly………………..
 98.7 ‘The Beat’
Other: Please List
 In the mornings (6am – 9am)
 99.9 ‘V100’
____________________
 During the day (9am – 5pm)
 102.7 ‘Super 102’
____________________
 In the evenings (5pm – 12am)
 100.9 ‘WJYP’
____________________
7. My favorite television station is………
 105.1 ‘Rock 105’
____________________
__________________________________
 107.3 ‘KAZ-FM’
(Please list station and channel)
8. My favorite newspaper is…__________________________________________________________
9. My favorite section of the newspaper is…______________________________________________
THANK YOU FOR YOUR PARTICIPATION!
Please fill out and mail/drop off at the Credit Union to be entered in a drawing for $100:
PO Box 20040, Charleston, WV 25362
Member Name:______________________________
Address:___________________________________
Member Number:______________________________
Telephone Number:____________________________
WE ENCOURAGE ALL TO PARTICIPATE. IF YOU HAVE FAMILY MEMBERS THAT WOULD LIKE TO
PARTICIPATE AND YOU NEED MORE THAN 1 COPY PLEASE ASK ABOUT THIS SURVEY AT THE
CREDIT UNION OR PARTICIPATE ONLINE AT WWW.MEMBERSCHOICEWV.COM
Our Member Values
the FREE
Cash they can Win......
All you have to do is:
DIVIDENDS
April II Quarter:
Regular Shares:
$25.00 to $4,999.991.25%; 1.26APY
$5,000 to $9,999.991.50%; 1.51APY
$10,000.00 & Above2.00%; 2.02APY
Checking:
$1,000.00 & Above.75%; .75APY
Regular IRA Accounts:
2.50%; 2.53APY
CD rates change monthly,
call & check for our current
CD rates for 6 months, 1 & 2
years.
○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
Members Choice WV FCU
201 Ohio Avenue
Charleston, WV 25302
(304)346-5242
(800)526-5242
Fax: (304)346-5266
www.memberschoicewv.com
Dial-A-Teller: (304)343-4011 or
(304)343-4027 or (866)700-4416
Hours of Operation
Lobby: Monday - Friday
8:30am-4:45pm
Drive-Thru: Mon., Tues., Fri.
8:15am-4:45pm
Wednesday
8:30am-4:45pm
Thursday
8:15am-5:30pm
NCU
A
NCUA
Your Savings Federally Insured to $100,000
National Credit Union Administration,
a U.S. Goverment Agency
EQUAL HOUSING
LENDER
WedoBusinessinAccordancewith
theFederalFairHousingLawandthe
EqualCreditOpportunityAct
1. Read your newsletter
2. Correctly answer the 3 questions
3. Drop off or send to Credit Union by May 15th
1. Who is now eligible to join Members Choice WVFCU?
 Your newest pet
 Anyone who lives, works, worships, volunteers, or attends
school in Kanawha County, WV.
 Your best friend who lives in California
2. What are the dates of National Credit Union Youth Week?
 April 17th – 23rd
 August 14th – 20th
 July 24th – 30th
3. Which is NOT something that you should do to protect
yourself from Identity Theft?
 Keep items with personal information on them in safe places
and shred or tear them up when you don’t need them anymore
 Order a copy of your credit report every year
 Give out your Social Security Number to anyone that asks.
Member Name:_________________ Member #:________________
Address:_______________________ City/State/Zip:_____________
Telephone#:____________________ Email Address:____________
Cut along dotted line & drop off at the Members Choice WVFCU
or mail it to: PO Box 20040, Charleston, WV 25362
Members Choice
will be CLOSED on the following holidays:
Monday, May 30th
Memorial Day
&
Monday, July 4th
Independence Day
Members Values Newsletter Quiz
Milly A. Torman ~ $10
Betty Preston ~ $10
Beatrice J. Walker ~ $10
Shirley Boggess ~ $10
Ardyce R. Carlson ~ $10
E. Slack ~ $10