newsletter april 2015

A M E RI C O
FEDER AL
CREDIT UNION
“Grow with Americo.”
People Helping People
APRIL 2015 Newsletter
SPRING INTO A NEW RIDE
LOANS
Are you ready for new vehicle? Do you
have a set of wheels in mind? Americo can
help make financing easy, and there’s no
better time to apply for an auto loan - rates
as low as 1.90% APR* for a 36 month term.
Are you looking to purchase a new car, need extra
cash to plan a vacation, or plan to make
improvements around the house?
Getting financing is hassle free with the Credit
Union Direct Lending Program (CUDL). CUDL
allows members to get financing directly at
participating dealers without making an extra trip to
the branch. For a list of participating dealers please
visit our website at www.americofcu.com under
loans - vehicle.
*Annual Percentage Rate. All loans subject to credit approval. All loan rates subject to change
without notice. Rate based on credit worthiness, term, and other conditions. Estimated monthly
payment on $10,000 borrowed at 1.90% APR for 36 months is $286.02. Membership required.
Contact the loan department for more information.
Whatever your lending needs, we have the right
loan for you. Our new rewards based pricing
system allows us to offer the best possible rate on
vehicle and personal loans based on your credit
worthiness with some extended terms and higher
personal limits available. So if you’re in the market
to borrow, look to Americo FCU where every day is
a “loan sale day”.
We offer a wide variety of loans, including:
• Mastercard® Credit Card
• Auto
• Personal
DON’T BECOME THE NEXT
VICTIM...
Protect your computer, smartphone and other
mobile devices
•Locking your device with a strong
PIN/password makes unauthorized installation of
applications more difficult
• Install antivirus software
• Don’t click on links in text message or
smartphone emails from strangers
• Be suspicious of unprompted popup windows that
appear without clicking on a hyperlink
• Clear the browser history regularly
• Always log out of online banking and other
sensitive online applications and accounts
before going to other websites, so
that the sessions do not remain active
• Think twice about public Wi-Fi networks.
Smartphones are susceptible to malware and
hacking when leveraging unsecured public
networks. To be safe, avoid logging into accounts,
especially financial accounts, when using public
wireless networks
• 1st and 2nd Mortgages
Call a loan officer at (814) 899-6608 to get your
application started.
*All loans subject to credit approval. Membership required.
SCHOLARSHIP
APPLICATIONS AVAILABLE
The Erie Chapter of Credit Unions James J. DeDad
Scholarship applications are now available.
Six scholarships totaling $8,000 will be awarded
this year.
Americo FCU members between the ages of 17 and
24 who are, or will be enrolled as a full-time
undergraduate student in 2015 are eligible to apply.
Applicant must complete an application and submit
a typewritten 500-word essay to the credit union no
later than June 5, 2015.
Scholarship applications are
available at the credit union office
and online at www.americofcu.com
and click on student center link.
MASTERCARD SCORECARD REWARDS
Earn bonus points for every qualifying purchase made using your
Americo MasterCard Credit Card.
With ScoreCards Rewards, you can turn your purchases into
merchandise and travel rewards. Anyone who already has a
credit card with Americo has automatically been enrolled to start
earning points for every purchase.
You can check your reward points balance, shop the merchandise
and travel rewards online, and shop in the ScoreMall to earn extra
rewards points per dollar spent for specific merchants at
www.scorecardrewards.com/general_logon.asp. It’s easy to
create an account and is completly free.
ANNUAL MEETING
There is still time to make your reservation to our Annual Meeting
and Dinner to be held on Friday, April 17, 2015 at the Erie
Maennerchor Club. The cash bar will open at 6:30 pm followed
by a sit down dinner at 7:00 pm. Dinner is $20.00 per person and
offers a choice of Roast Club Sirloin, Stuffed Chicken Breast or
Crab Stuffed Cape Haddie. Reservations are due April 10th.
The Credit Union Office will CLOSE at 5:00 pm on FRIDAY,
APRIL 17th, so our employees can attend the Annual
Meeting.
INTERESTED IN BECOMING
A VOLUNTEER?
We are looking for a volunteer to fill a position on the Supervisory
Committee. If you are an Americo FCU member and would like to
take an active role in auditing, review and compliance, consider
becoming a volunteer on our Supervisory Committee. Training will
be provided.
Some basic requirements of this position include:
1. Must be at least 18 years of age
2. Credit union member in good standing, free of any criminal
convictions involving dishonesty or breach of trust, no
delinquency or charged off loans or shares
3. Must maintain confidentiality of the credit union member
and records
4. Ability to read and understand financial statements would
be helpful
5. Attendance at annual meeting, where an annual written
report is provided, is encouraged
If you are interested in serving, please submit your request in
writing to the Board of Directors, who will make the final
selection.
Americo Federal Credit Union
Attn: Board of Directors 4101 Main St., Erie, PA 16511
All positions on the Board of Directors and Supervisory
Committee are volunteer positions. Credit unions are not for
profit financial cooperatives and Board and Committees are
unpaid officials.
AMERICO Federal Credit Union
EAST OFFICE
4101 MAIN ST.
ERIE, PA 16511
PH: 814/899-6608
FAX: 814/899-6005
WEST OFFICE
2545 WEST 23RD ST.
ERIE, PA 16506
PH: 814/833-0433
FAX: 814/833-7299
HOURS - LOBBY & DRIVE - THRU
Monday . . . . . . . . . . . . . . 8:30 - 5:00
Tuesday . . . . . . . . . . . . . . 8:30 - 5:00
Wednesday . . . . . . . . . . . 8:30 - 5:00
Thursday . . . . . . . . . . . . . 8:30 - 5:00
Friday . . . . . . . . . . . . . . . . 8:30 - 6:00
IMPORTANT INFORMATION
Routing Number: 243380833
Web site: www.americofcu.com
Internet Home Banking: access your account
from home anytime day or night.
Telephone Teller
. . . . . . . . . . . . . . . . . . . . . . . 1-800-732-7906
MasterMoney Debit Card Lost/Stolen
. . . . . . . . . . . . . . . . . . . . . . . 1-800-472-3272
MasterCard Credit Card Lost/Stolen
. . . . . . . . . . . . . . . . . . . . . . . 1-866-604-0381
. . . . . . . . . . . . . . . . . . . . . . . 1-727-570-4881
HOLIDAY HOURS & CLOSINGS
Apr 3, (Fri).. . . . . . Good Friday . . . . . Close @ noon
Apr 17, (Fri).. . . . . Annual Meeting. . . . Close @ 5 pm
May 25, (Mon). . . . Memorial Day . . . . . . . . . . Closed
BOARD OF DIRECTORS
Richard Killian . . . . . . . . . . . . . . . . Chairperson
Eric Marshall . . . . . . . . . . . . . Vice-Chairperson
Ray Zimmerman. . . . . . . . . . . . . . . . . Secretary
Thomas Laska . . . . . . . . . . . . . . . . . . Treasurer
Destiny Aldridge . . . . . . . . . . . . . . . . . . Director
Rose Kuhn . . . . . . . . . . . . . . . . . . . . . . Director
William Schubert. . . . . . . . . . . . . . . . . . Director
Kevin Sova . . . . . . . . . . . . . . . . . . . . . . Director
Eunice Dovey . . . . . . . . . . . . . . . . . . . . Director
Your savings federally insured to at least $250,000
and backed by the faith and credit of the United States Government
NCUA
National Credit Union Administration, a U.S. Government Agency
DIVIDENDS ON SHARE ACCOUNTS ARE BASED ON
AVAILABLE EARNINGS AND CANNOT BE GUARANTEED.