is too much! - RiverLand Federal Credit Union

Transcription

is too much! - RiverLand Federal Credit Union
FIRST CLASS
U.S. POSTAGE
FEDERAL CREDIT UNION
PAID
639 Loyola Ave • Suite 220
New Orleans, LA 70113
7.9
IMAGE.WORKS
53719
Swipe Your Way into Summer Fun
with Our
Board of Directors
The management team and staff would like to recognize and
say ”Thank You!” to the volunteers who have given selflessly
of their time serving RiverLand Federal Credit Union. Volunteer
service is an integral part of what distinguishes credit unions
from “for profit” financial institutions. RiverLand continues
to maintain an outstanding reputation with its members and
among peers. Without the dedication of our Board of Directors
and Audit Committee, individuals who volunteer their service
without pay, RiverLand would not be the viable financial
institution that it is today. Please join us in acknowledging our
volunteers and saying “Thank You!”
Standing from left: Brian Burns, Jules Graham, Doug Boss & Russell Jackson.
Seated from left: Jack Hanemann, Rochelle Oatis & Chris Clement.
Board of Directors
Audit Committee
Brian Burns, Chairman
Russell Jackson, Vice Chairman
Chris Clement, Secretary
Doug Boss, Treasurer
Jules Graham
Jack Hanemann
Rochelle Oatis
Appointed by the
Board of Directors
%
Platinum Card!
APR*
July 2015
www.riverlandfcu.org
FEDERAL CREDIT UNION
The quarterly newsletter of RiverLand Federal Credit Union
Swipe Your Way
7.9
into Summer Fun with Our
Kim Rivero, Chairman
Amy Amerson
Robert T. Spencer, Jr.
Frank Williford
%
APR*
Platinum
Card!
2016 Election of Officials
Election Procedures
Credit Union members wishing to be considered for volunteer
service on the Board of Directors should review the information
and procedures outlined below.
Any member or incumbent wishing to be considered for a
volunteer position must petition the Nominating Committee no
later than August 31, 2015.
At the 2016 Annual Meeting, three positions on the Board of
Directors, each having a three-year term, will be filled.
According to the bylaws addressing election procedures, each
year
1) members will be notified of the upcoming election and of
the positions to be filled. Election at the Annual Meeting will be
by ballot. There will be no nominations from the floor at the
Annual Meeting. Instructions for voting by absentee ballot will
be included in the October newsletter.
Petitions must be in writing and sent to:
Nominating Committee
1
2
3
4
Has a good credit standing and agrees to a credit investigation.
Is willing to accept the responsibilities of elected or appointed office.
Will be able to act independently and objectively regardless of
external relationships with other Directors and employees.
5
Is not an employee of this or a competing financial institution.
6
Has not been a management employee of this Credit Union for at
least twelve (12) months prior to the election date.
7
Understands the expectations of regular meeting attendance and
the pursuit of educational opportunities relating to their Credit
Union responsibilities.
Anything is too much!
Mike Bermingham, Chairman
RiverLand Federal Credit Union
Mail: Interoffice Mail:
Email:
639 Loyola Ave. - Suite 220
New Orleans, LA, 70113
L-ENT-RCU
[email protected]
In order to be considered for volunteer service, all candidates must meet specific minimum qualification standards. Each petition
submitted to the Nominating Committee must be in writing and must state, at least, that the candidate:
ossesses areas of knowledge, experience or interest pertinent to the
P
Credit Union’s future (please attach resumé).
What is your checking account costing?
Switch to RiverLand’s Totally
FREE Checking and Enjoy:
4 NO Monthly Service Charges
8
Understands and accepts the commitment of time for attendance
at regular meetings, special meetings, planning seminars, and
educational workshops.
9
Has not been removed, as an elected official, for cause, for at least
three (3) years prior to petitioning for nomination.
4 NO Minimum Balance Requirements
Is agreeable to nomination and will serve if elected to office.
4 NO Minimum Transaction Requirements
10
11
Notification will be mailed by September 15th to those candidates
that do not meet the minimum standards.
12
The Nominating Committee will begin accepting petitions to
determine the committee’s selection for nominations and the entire
slate of candidates will be included in the October newsletter.
13
If you have any questions concerning the election process for
submitting petitions for the Board, contact Carol Irby, RiverLand
President/CEO, at 504.576.5800.
4 NO Per-Item Transaction Charges
4 NO Direct Deposit Requirements
4 PLUS, Overdraft Protection &
Courtesy Pay are Available
Stop Sweating High Rates with our Platinum MasterCard®!
Enjoy the Same Low Rate for:
Purchases • Cash Advances • Balance Transfers
Escape from high rates and annual fees and make
this summer more affordable with our Platinum
MasterCard®! Featuring our lowest credit card rate
ever, our Platinum MasterCard® has a minimum credit
limit of $10,000. Plus, it’s loaded with premium perks
to help you save money. And, if you’re paying a higher
rate on your existing credit card balances, transfer
your balances to our Platinum Card today! With no
balance transfer fees, you’ll love the savings.
Add more fun to your summer
when you transfer your card
balances and save with…
• No Annual Fee
• No Balance Transfer Fee
• No Over-the-Counter Cash Advance Fee
• No Inactivity Fee
• Same Low APR* on ALL Transactions
Don’t wait, apply today!
www.riverlandfcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2
*APR=Annual Percentage Rate. This rate is for qualifying borrowers for a limited time. Restrictions and limitations apply. Call for details. For terms and conditions, see the RiverLand
Federal Credit Union Platinum MasterCard® online application. MasterCard® and the MasterCard® Brand Mark are registered trademarks of MasterCard® International Incorporated.
What is your checking account costing?
Anything is too much!
Switch to RiverLand’s Totally
FREE Checking and Enjoy:
4 NO Monthly Service Charges
4 NO Per-Item Transaction Charges
4 NO Minimum Balance Requirements
4 NO Minimum Transaction Requirements
4 NO Direct Deposit Requirements
4 PLUS, Overdraft Protection &
Courtesy Pay are Available
888
FOR EVERYONE
Today Jason….
Shared Branching
Checking Accounts
Checking Accounts With Courtesy Pay
Money Market Checking Accounts
Debit Cards
FREE ATM Services
Online Imaged Check Copies
Internet Banking
Internet Bill-Paying Service
Mobile Banking
Money Manager
Electronic Account Statements
Electronic Account Transfers
“TONEY” Audio Response Teller (24/7)
Internet Website
Direct Deposit & ACH Deposits
Phone Withdrawals & Transfers
Lifetime & Full Family Membership
 Checked
his recent
credit card activity
 Compared
his vacation
spending to his budget
 Checked
his account balance
 And
transferred money
to his checking account
4 FREE Nationwide ATMs – 75,000
4 FREE Online Banking & Bill Pay, Mobile & Phone Banking
FREE Online Banking —
4 FREE Debit Card & Debit Transactions
at home, at work, or even on vacation!
4 FREE E-Alerts & TextRCUu
4 FREE Money Manager
4 FREE E-Statements & E-Documents
However you choose, we offer you a variety of FREE
options for accessing your checking account!
Free
Debit Card
No Minimum
Transactions Required
Free
Convenient Access
75,000+ ATMs
5,000+ Branches
Free
Online Banking
Online Bill Pay
E-Statements
Free
Secure, Easy, and Convenient
MasterCard® and the MasterCard® Brand Mark are registered
trademarks of MasterCard® International Incorporated.
To open your checking account visit us online or call to request an application:
www.riverlandfcu.org • 504.576.5800x3 • 800.586.4RCU(4728)x3
Main Office • 504.576.5800 • 800.586.4RCU (4728)
639 Loyola Ave. ∙ Suite 220 ∙ New Orleans, LA 70113
9 a.m. – 4 p.m. ∙ Mon - Fri
ATM Location – 6 a.m. – 6 p.m.
Total
Total
Total
Total
Fast Loan Approvals
Loans-By-Phone Application Processing
Secure Internet Application Processing
Free New Car Cost Values – Online & Fax
Free Used Car Values – Online & Fax
ADDITIONAL SERVICES
Dormant Account Fee Reminder
Account Disclosures
A dormancy fee of $25 will be assessed monthly
on any deposit or share account with a balance
of less than $100 that has not had a memberinitiated transaction within the past 12 months.
In order to avoid the dormancy fee, we encourage
you to activate your account. Please call one of
our friendly Member Service Representatives to
discuss your options.
RiverLand’s account disclosures are always available to members
upon request. Disclosures include the Membership & Account
Agreement, Funds Availability Policy, Privacy Policy, Electronic
Funds Transfer Agreement & Disclosure, Truth-in-Savings
Disclosure, Fee Schedule, Business Continuity Plan, and others.
If you would like a copy of any disclosure, you may obtain
one from our website (www.riverlandfcu.org) or call one of our
friendly Member Service Representatives, and we will be glad to
mail one to you.
Assets
Deposits
Loans
Members
Wire Transfers of Funds
Western Union Wires
U.S. Savings Bonds Redemption
Official Checks
Gift Cards
Money Orders
TurboTax® for the Web
Postage Stamps
Quarterly Newsletter
Courteous, Professional Service
INSURANCE SERVICES
Free Accidental Death
& Dismemberment Insurance
Affordable Auto, Home, & Personal Lines
MEMBERS® Financial Services
May 2014
$195,795,016
$190,248,812
$170,689,441
$167,790,722
$165,138,179
$160,425,913
14,281 14,151 CURRENT RATES
Annual Percentage Rate
New, Used & Refinanced - Cars, Trucks, & SUVs
(100% financing/60 months/with automated payments)
1.99%**
as low as
New, Used, & Refinanced - Recreational Vehicles such as
Boats, Motorcycles, RVs, ATVs, Motor Homes, & Tractors
(100% financing/60 months/with automated payments)
3.99%**
as low as
Home Equity Loans rates as low as prime minus .25%
Signature Loans (12 months) 5.99%*
Signature Loans (48 months) 7.99%*
MasterCard® (no annual fee)
Platinum 7.90%
For a complete list of loan rates and terms, call or visit us online.
*Loan rates are adjustable and subject to change.
**“As low as” rate is subject to borrower’s credit history, repayment term,
and collateral. This rate is available for a limited time to qualifying borrowers
with qualified automated payments and may increase if qualified automated
payments cease. Example: 60 monthly payments of $17.52 per $1,000
borrowed at 1.99% APR or 60 monthly payments of $18.41 per $1,000 at
3.99% APR. Refinancing excludes current RiverLand loans. Rates are subject
to change without notice. Restrictions and limitations apply. Call for details.
SHARE (SAVINGS) ACCOUNTS
Dividend rates are declared monthly. Earnings are paid
on the last day of the month and are compounded monthly.
Below are rates paid during the 2nd quarter of 2015 on
accounts with balances of $105 or more:
Briefs
May 2015
New & Used Car, Truck, Boat,
Motorcycle, RV, & ATV Loans
New & Used Car Refinancing
Home Equity Loans
Home Mortgages
MasterCard® Accounts
(Platinum, Gold, Classic, & Secured)
RCAs (Revolving Credit Accounts)
Seasonal Loans (low rate/12 months)
Signature Loans
Consolidation Loans
Tuition Loans
Savings & Certificate Secured Loans
GAP Vehicle Loan Protection
Mechanical Repair Coverage for Vehicles Low Cost – Credit Life Insurance
Low Cost – Credit Disability Insurance
Entergy Inter-Office Mail Unit L-ENT-RCU
Entergy UDC 8.576.5800
STATISTICS
LOAN RATES
LOAN SERVICES
Enroll today at www.riverlandfcu.org
Mobile Banking
Phone Banking
E-Alerts & TextRCU
President/CEO Carol L. Irby
Chief Financial Officer
Lori Lassere-Bourg
Vice President of Operations
Rhonda Cubbedge
Vice President of Marketing Charmaine Bocage Russo
Vice President of Lending
Patricia Unsworth
Vice President of Info Technology George Lunsford
Savings Accounts
Money Market Accounts
Certificate Accounts
HSAs (Health Savings Accounts)
Christmas Club Accounts
IRAs (Individual Retirement Accounts)
FOR THE BORROWER
4 FREE Shared Branches Nationwide – 5,000
LOCATIONS, HOURS & PHONES
FOR THE SAVER
Casualty Coverage Accounts
All before his first piña colada!
MANAGEMENT STAFF
MEMBER SERVICES
SHARE CHRISTMAS CLUB
APR • APY APR • APY
April, May, & June .25% • .25%
$105 - $9,999
.10% • .10%
$10,000 or more
.25% • .25%
APY=Annual Percentage Yield
INVESTMENT ACCOUNTS
Dividend rates on investment accounts are reviewed each
Wednesday. Rates shown below were paid June 24, 2015.
Yields reflect monthly compounding. The minimum balance
requirement on most investment accounts is $1,000
(see Truth-in-Savings Disclosure for complete information). Annual
Annual
TERM/TYPE
RATE YIELD
72-month certificate
1.98%
2.00%
60-month certificate
1.69%
1.70%
36-month certificate
.99%
1.00%
24-month certificate
.84%
.85%
18-month certificate
.64%
.65%
12-month certificate
.49%
.50%
6-month certificate
.34%
.35%
3-month certificate
.25%
.25%
Money Market IRA
.99%
1.00%
Money Market Savings
$1,000 and more
.39%
.40%
Money Market Checking .15%
.15%
HSA
1.49%
1.50%
Early withdrawal penalties may apply; see account disclosures.
Early withdrawal penalties may apply, see account disclosures.
Gretna Office • 504.365.3646
1001 Virgil St. ∙ Gretna, LA 70053
9 a.m. – 4 p.m. ∙ Mon - Fri
Jackson Office • 601.368.5200
1340 Echelon Pkwy. · Jackson, MS 39213
9 a.m. – 4 p.m. · Mon - Fri
ATM Location – Office hours
Jefferson Office • 504.840.2600
4809 Jefferson Hwy. ∙ Jefferson, LA 70121
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – 24 hours
Morgan City Office • 985.380.8017
1234 David Dr. ∙ Suite 107 ∙ Morgan City, LA 70380
9 a.m. – 4 p.m. · Mon - Fri
Port Gibson Office • 601.437.6472
Grand Gulf Nuclear Station
7003 Bald Hill Rd. ∙ Port Gibson, MS 39150
9 a.m. – 4 p.m. ∙ Mon - Fri
Taft Office • 504.739.6860
Waterford 3 ∙ 17265 River Rd. ∙ Killona, LA 70057
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Thurs
(Closed Fridays)
ATM Location – 24 hours
Woodlands Office • 281.297.5556
10055 Grogan’s Mill Rd. ∙ The Woodlands, TX 77380
9 a.m. – 1:50 p.m. & 2:30 p.m. – 4 p.m. ∙ Mon - Fri
ATM Location – Office hours
Shared Branch Locations – More Than 5,000 Nationwide
Toll Free: 888.SITE.COOP (888.748.3266)
Website: www.riverlandfcu.org
Mon - Fri Hours: Vary by location
Saturday Hours: Vary by location
Baton Rouge
Hammond
Harvey
LaPlace
Mandeville
Metairie
Slidell
7018 Siegen Ln.
1115 W. University Ave.
1530 Lapalco Blvd. - #5
350 Belle Terre Blvd.
1291 N. Causeway Blvd. - #3
5500 Veterans Blvd. - #100
1512 Gause Blvd.
Free ATM Locations – More Than 75,000 Nationwide
Toll Free: 888.SITE.COOP (888.748.3266)
Website: www.riverlandfcu.org
Loans by Phone & Internet
504.576.5800x2 · 800.586.4RCU(4728)x2
Website: www.riverlandfcu.org
“TONEY” Audio Response
504.525.9447 ∙ 800.648.2342
MasterCard® Debit & Credit Card – 24 Hours
Lost or Stolen Card Declined Card Blocked Card
800.682.6075
888.526.0404 800.411.8498
Fax
504.576.5805
Website
www.riverlandfcu.org
HOLIDAY CLOSINGS
Year 2015
September 7th
November 26th
December 24th
December 25th
Labor Day
Thanksgiving Day
Christmas Eve
Christmas Day
What is your checking account costing?
Anything is too much!
Switch to RiverLand’s Totally
FREE Checking and Enjoy:
4 NO Monthly Service Charges
4 NO Per-Item Transaction Charges
4 NO Minimum Balance Requirements
4 NO Minimum Transaction Requirements
4 NO Direct Deposit Requirements
4 PLUS, Overdraft Protection &
Courtesy Pay are Available
888
FOR EVERYONE
Today Jason….
Shared Branching
Checking Accounts
Checking Accounts With Courtesy Pay
Money Market Checking Accounts
Debit Cards
FREE ATM Services
Online Imaged Check Copies
Internet Banking
Internet Bill-Paying Service
Mobile Banking
Money Manager
Electronic Account Statements
Electronic Account Transfers
“TONEY” Audio Response Teller (24/7)
Internet Website
Direct Deposit & ACH Deposits
Phone Withdrawals & Transfers
Lifetime & Full Family Membership
 Checked
his recent
credit card activity
 Compared
his vacation
spending to his budget
 Checked
his account balance
 And
transferred money
to his checking account
4 FREE Nationwide ATMs – 75,000
4 FREE Online Banking & Bill Pay, Mobile & Phone Banking
FREE Online Banking —
4 FREE Debit Card & Debit Transactions
at home, at work, or even on vacation!
4 FREE E-Alerts & TextRCUu
4 FREE Money Manager
4 FREE E-Statements & E-Documents
However you choose, we offer you a variety of FREE
options for accessing your checking account!
Free
Debit Card
No Minimum
Transactions Required
Free
Convenient Access
75,000+ ATMs
5,000+ Branches
Free
Online Banking
Online Bill Pay
E-Statements
Free
Secure, Easy, and Convenient
MasterCard® and the MasterCard® Brand Mark are registered
trademarks of MasterCard® International Incorporated.
To open your checking account visit us online or call to request an application:
www.riverlandfcu.org • 504.576.5800x3 • 800.586.4RCU(4728)x3
Main Office • 504.576.5800 • 800.586.4RCU (4728)
639 Loyola Ave. ∙ Suite 220 ∙ New Orleans, LA 70113
9 a.m. – 4 p.m. ∙ Mon - Fri
ATM Location – 6 a.m. – 6 p.m.
Total
Total
Total
Total
Fast Loan Approvals
Loans-By-Phone Application Processing
Secure Internet Application Processing
Free New Car Cost Values – Online & Fax
Free Used Car Values – Online & Fax
ADDITIONAL SERVICES
Dormant Account Fee Reminder
Account Disclosures
A dormancy fee of $25 will be assessed monthly
on any deposit or share account with a balance
of less than $100 that has not had a memberinitiated transaction within the past 12 months.
In order to avoid the dormancy fee, we encourage
you to activate your account. Please call one of
our friendly Member Service Representatives to
discuss your options.
RiverLand’s account disclosures are always available to members
upon request. Disclosures include the Membership & Account
Agreement, Funds Availability Policy, Privacy Policy, Electronic
Funds Transfer Agreement & Disclosure, Truth-in-Savings
Disclosure, Fee Schedule, Business Continuity Plan, and others.
If you would like a copy of any disclosure, you may obtain
one from our website (www.riverlandfcu.org) or call one of our
friendly Member Service Representatives, and we will be glad to
mail one to you.
Assets
Deposits
Loans
Members
Wire Transfers of Funds
Western Union Wires
U.S. Savings Bonds Redemption
Official Checks
Gift Cards
Money Orders
TurboTax® for the Web
Postage Stamps
Quarterly Newsletter
Courteous, Professional Service
INSURANCE SERVICES
Free Accidental Death
& Dismemberment Insurance
Affordable Auto, Home, & Personal Lines
MEMBERS® Financial Services
May 2014
$195,795,016
$190,248,812
$170,689,441
$167,790,722
$165,138,179
$160,425,913
14,281 14,151 CURRENT RATES
Annual Percentage Rate
New, Used & Refinanced - Cars, Trucks, & SUVs
(100% financing/60 months/with automated payments)
1.99%**
as low as
New, Used, & Refinanced - Recreational Vehicles such as
Boats, Motorcycles, RVs, ATVs, Motor Homes, & Tractors
(100% financing/60 months/with automated payments)
3.99%**
as low as
Home Equity Loans rates as low as prime minus .25%
Signature Loans (12 months) 5.99%*
Signature Loans (48 months) 7.99%*
MasterCard® (no annual fee)
Platinum 7.90%
For a complete list of loan rates and terms, call or visit us online.
*Loan rates are adjustable and subject to change.
**“As low as” rate is subject to borrower’s credit history, repayment term,
and collateral. This rate is available for a limited time to qualifying borrowers
with qualified automated payments and may increase if qualified automated
payments cease. Example: 60 monthly payments of $17.52 per $1,000
borrowed at 1.99% APR or 60 monthly payments of $18.41 per $1,000 at
3.99% APR. Refinancing excludes current RiverLand loans. Rates are subject
to change without notice. Restrictions and limitations apply. Call for details.
SHARE (SAVINGS) ACCOUNTS
Dividend rates are declared monthly. Earnings are paid
on the last day of the month and are compounded monthly.
Below are rates paid during the 2nd quarter of 2015 on
accounts with balances of $105 or more:
Briefs
May 2015
New & Used Car, Truck, Boat,
Motorcycle, RV, & ATV Loans
New & Used Car Refinancing
Home Equity Loans
Home Mortgages
MasterCard® Accounts
(Platinum, Gold, Classic, & Secured)
RCAs (Revolving Credit Accounts)
Seasonal Loans (low rate/12 months)
Signature Loans
Consolidation Loans
Tuition Loans
Savings & Certificate Secured Loans
GAP Vehicle Loan Protection
Mechanical Repair Coverage for Vehicles Low Cost – Credit Life Insurance
Low Cost – Credit Disability Insurance
Entergy Inter-Office Mail Unit L-ENT-RCU
Entergy UDC 8.576.5800
STATISTICS
LOAN RATES
LOAN SERVICES
Enroll today at www.riverlandfcu.org
Mobile Banking
Phone Banking
E-Alerts & TextRCU
President/CEO Carol L. Irby
Chief Financial Officer
Lori Lassere-Bourg
Vice President of Operations
Rhonda Cubbedge
Vice President of Marketing Charmaine Bocage Russo
Vice President of Lending
Patricia Unsworth
Vice President of Info Technology George Lunsford
Savings Accounts
Money Market Accounts
Certificate Accounts
HSAs (Health Savings Accounts)
Christmas Club Accounts
IRAs (Individual Retirement Accounts)
FOR THE BORROWER
4 FREE Shared Branches Nationwide – 5,000
LOCATIONS, HOURS & PHONES
FOR THE SAVER
Casualty Coverage Accounts
All before his first piña colada!
MANAGEMENT STAFF
MEMBER SERVICES
SHARE CHRISTMAS CLUB
APR • APY APR • APY
April, May, & June .25% • .25%
$105 - $9,999
.10% • .10%
$10,000 or more
.25% • .25%
APY=Annual Percentage Yield
INVESTMENT ACCOUNTS
Dividend rates on investment accounts are reviewed each
Wednesday. Rates shown below were paid June 24, 2015.
Yields reflect monthly compounding. The minimum balance
requirement on most investment accounts is $1,000
(see Truth-in-Savings Disclosure for complete information). Annual
Annual
TERM/TYPE
RATE YIELD
72-month certificate
1.98%
2.00%
60-month certificate
1.69%
1.70%
36-month certificate
.99%
1.00%
24-month certificate
.84%
.85%
18-month certificate
.64%
.65%
12-month certificate
.49%
.50%
6-month certificate
.34%
.35%
3-month certificate
.25%
.25%
Money Market IRA
.99%
1.00%
Money Market Savings
$1,000 and more
.39%
.40%
Money Market Checking .15%
.15%
HSA
1.49%
1.50%
Early withdrawal penalties may apply; see account disclosures.
Early withdrawal penalties may apply, see account disclosures.
Gretna Office • 504.365.3646
1001 Virgil St. ∙ Gretna, LA 70053
9 a.m. – 4 p.m. ∙ Mon - Fri
Jackson Office • 601.368.5200
1340 Echelon Pkwy. · Jackson, MS 39213
9 a.m. – 4 p.m. · Mon - Fri
ATM Location – Office hours
Jefferson Office • 504.840.2600
4809 Jefferson Hwy. ∙ Jefferson, LA 70121
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – 24 hours
Morgan City Office • 985.380.8017
1234 David Dr. ∙ Suite 107 ∙ Morgan City, LA 70380
9 a.m. – 4 p.m. · Mon - Fri
Port Gibson Office • 601.437.6472
Grand Gulf Nuclear Station
7003 Bald Hill Rd. ∙ Port Gibson, MS 39150
9 a.m. – 4 p.m. ∙ Mon - Fri
Taft Office • 504.739.6860
Waterford 3 ∙ 17265 River Rd. ∙ Killona, LA 70057
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Thurs
(Closed Fridays)
ATM Location – 24 hours
Woodlands Office • 281.297.5556
10055 Grogan’s Mill Rd. ∙ The Woodlands, TX 77380
9 a.m. – 1:50 p.m. & 2:30 p.m. – 4 p.m. ∙ Mon - Fri
ATM Location – Office hours
Shared Branch Locations – More Than 5,000 Nationwide
Toll Free: 888.SITE.COOP (888.748.3266)
Website: www.riverlandfcu.org
Mon - Fri Hours: Vary by location
Saturday Hours: Vary by location
Baton Rouge
Hammond
Harvey
LaPlace
Mandeville
Metairie
Slidell
7018 Siegen Ln.
1115 W. University Ave.
1530 Lapalco Blvd. - #5
350 Belle Terre Blvd.
1291 N. Causeway Blvd. - #3
5500 Veterans Blvd. - #100
1512 Gause Blvd.
Free ATM Locations – More Than 75,000 Nationwide
Toll Free: 888.SITE.COOP (888.748.3266)
Website: www.riverlandfcu.org
Loans by Phone & Internet
504.576.5800x2 · 800.586.4RCU(4728)x2
Website: www.riverlandfcu.org
“TONEY” Audio Response
504.525.9447 ∙ 800.648.2342
MasterCard® Debit & Credit Card – 24 Hours
Lost or Stolen Card Declined Card Blocked Card
800.682.6075
888.526.0404 800.411.8498
Fax
504.576.5805
Website
www.riverlandfcu.org
HOLIDAY CLOSINGS
Year 2015
September 7th
November 26th
December 24th
December 25th
Labor Day
Thanksgiving Day
Christmas Eve
Christmas Day
FIRST CLASS
U.S. POSTAGE
FEDERAL CREDIT UNION
PAID
639 Loyola Ave • Suite 220
New Orleans, LA 70113
7.9
IMAGE.WORKS
53719
Swipe Your Way into Summer Fun
with Our
Board of Directors
The management team and staff would like to recognize and
say ”Thank You!” to the volunteers who have given selflessly
of their time serving RiverLand Federal Credit Union. Volunteer
service is an integral part of what distinguishes credit unions
from “for profit” financial institutions. RiverLand continues
to maintain an outstanding reputation with its members and
among peers. Without the dedication of our Board of Directors
and Audit Committee, individuals who volunteer their service
without pay, RiverLand would not be the viable financial
institution that it is today. Please join us in acknowledging our
volunteers and saying “Thank You!”
Standing from left: Brian Burns, Jules Graham, Doug Boss & Russell Jackson.
Seated from left: Jack Hanemann, Rochelle Oatis & Chris Clement.
Board of Directors
Audit Committee
Brian Burns, Chairman
Russell Jackson, Vice Chairman
Chris Clement, Secretary
Doug Boss, Treasurer
Jules Graham
Jack Hanemann
Rochelle Oatis
Appointed by the
Board of Directors
%
Platinum Card!
APR*
July 2015
www.riverlandfcu.org
FEDERAL CREDIT UNION
The quarterly newsletter of RiverLand Federal Credit Union
Swipe Your Way
7.9
into Summer Fun with Our
Kim Rivero, Chairman
Amy Amerson
Robert T. Spencer, Jr.
Frank Williford
%
APR*
Platinum
Card!
2016 Election of Officials
Election Procedures
Credit Union members wishing to be considered for volunteer
service on the Board of Directors should review the information
and procedures outlined below.
Any member or incumbent wishing to be considered for a
volunteer position must petition the Nominating Committee no
later than August 31, 2015.
At the 2016 Annual Meeting, three positions on the Board of
Directors, each having a three-year term, will be filled.
According to the bylaws addressing election procedures, each
year
1) members will be notified of the upcoming election and of
the positions to be filled. Election at the Annual Meeting will be
by ballot. There will be no nominations from the floor at the
Annual Meeting. Instructions for voting by absentee ballot will
be included in the October newsletter.
Petitions must be in writing and sent to:
Nominating Committee
1
2
3
4
Has a good credit standing and agrees to a credit investigation.
Is willing to accept the responsibilities of elected or appointed office.
Will be able to act independently and objectively regardless of
external relationships with other Directors and employees.
5
Is not an employee of this or a competing financial institution.
6
Has not been a management employee of this Credit Union for at
least twelve (12) months prior to the election date.
7
Understands the expectations of regular meeting attendance and
the pursuit of educational opportunities relating to their Credit
Union responsibilities.
Anything is too much!
Mike Bermingham, Chairman
RiverLand Federal Credit Union
Mail: Interoffice Mail:
Email:
639 Loyola Ave. - Suite 220
New Orleans, LA, 70113
L-ENT-RCU
[email protected]
In order to be considered for volunteer service, all candidates must meet specific minimum qualification standards. Each petition
submitted to the Nominating Committee must be in writing and must state, at least, that the candidate:
ossesses areas of knowledge, experience or interest pertinent to the
P
Credit Union’s future (please attach resumé).
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8
Understands and accepts the commitment of time for attendance
at regular meetings, special meetings, planning seminars, and
educational workshops.
9
Has not been removed, as an elected official, for cause, for at least
three (3) years prior to petitioning for nomination.
4 NO Minimum Balance Requirements
Is agreeable to nomination and will serve if elected to office.
4 NO Minimum Transaction Requirements
10
11
Notification will be mailed by September 15th to those candidates
that do not meet the minimum standards.
12
The Nominating Committee will begin accepting petitions to
determine the committee’s selection for nominations and the entire
slate of candidates will be included in the October newsletter.
13
If you have any questions concerning the election process for
submitting petitions for the Board, contact Carol Irby, RiverLand
President/CEO, at 504.576.5800.
4 NO Per-Item Transaction Charges
4 NO Direct Deposit Requirements
4 PLUS, Overdraft Protection &
Courtesy Pay are Available
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• Same Low APR* on ALL Transactions
Don’t wait, apply today!
www.riverlandfcu.org • 504.576.5800x2 • 800.586.4RCU(4728)x2
*APR=Annual Percentage Rate. This rate is for qualifying borrowers for a limited time. Restrictions and limitations apply. Call for details. For terms and conditions, see the RiverLand
Federal Credit Union Platinum MasterCard® online application. MasterCard® and the MasterCard® Brand Mark are registered trademarks of MasterCard® International Incorporated.
What is your checking account costing?
Anything is too much!
Switch to RiverLand’s Totally
FREE Checking and Enjoy:
4 NO Monthly Service Charges
4 NO Per-Item Transaction Charges
4 NO Minimum Balance Requirements
4 NO Minimum Transaction Requirements
4 NO Direct Deposit Requirements
4 PLUS, Overdraft Protection &
Courtesy Pay are Available
888
FOR EVERYONE
Today Jason….
Shared Branching
Checking Accounts
Checking Accounts With Courtesy Pay
Money Market Checking Accounts
Debit Cards
FREE ATM Services
Online Imaged Check Copies
Internet Banking
Internet Bill-Paying Service
Mobile Banking
Money Manager
Electronic Account Statements
Electronic Account Transfers
“TONEY” Audio Response Teller (24/7)
Internet Website
Direct Deposit & ACH Deposits
Phone Withdrawals & Transfers
Lifetime & Full Family Membership
 Checked
his recent
credit card activity
 Compared
his vacation
spending to his budget
 Checked
his account balance
 And
transferred money
to his checking account
4 FREE Nationwide ATMs – 75,000
4 FREE Online Banking & Bill Pay, Mobile & Phone Banking
FREE Online Banking —
4 FREE Debit Card & Debit Transactions
at home, at work, or even on vacation!
4 FREE E-Alerts & TextRCUu
4 FREE Money Manager
4 FREE E-Statements & E-Documents
However you choose, we offer you a variety of FREE
options for accessing your checking account!
Free
Debit Card
No Minimum
Transactions Required
Free
Convenient Access
75,000+ ATMs
5,000+ Branches
Free
Online Banking
Online Bill Pay
E-Statements
Free
Secure, Easy, and Convenient
MasterCard® and the MasterCard® Brand Mark are registered
trademarks of MasterCard® International Incorporated.
To open your checking account visit us online or call to request an application:
www.riverlandfcu.org • 504.576.5800x3 • 800.586.4RCU(4728)x3
Main Office • 504.576.5800 • 800.586.4RCU (4728)
639 Loyola Ave. ∙ Suite 220 ∙ New Orleans, LA 70113
9 a.m. – 4 p.m. ∙ Mon - Fri
ATM Location – 6 a.m. – 6 p.m.
Total
Total
Total
Total
Fast Loan Approvals
Loans-By-Phone Application Processing
Secure Internet Application Processing
Free New Car Cost Values – Online & Fax
Free Used Car Values – Online & Fax
ADDITIONAL SERVICES
Dormant Account Fee Reminder
Account Disclosures
A dormancy fee of $25 will be assessed monthly
on any deposit or share account with a balance
of less than $100 that has not had a memberinitiated transaction within the past 12 months.
In order to avoid the dormancy fee, we encourage
you to activate your account. Please call one of
our friendly Member Service Representatives to
discuss your options.
RiverLand’s account disclosures are always available to members
upon request. Disclosures include the Membership & Account
Agreement, Funds Availability Policy, Privacy Policy, Electronic
Funds Transfer Agreement & Disclosure, Truth-in-Savings
Disclosure, Fee Schedule, Business Continuity Plan, and others.
If you would like a copy of any disclosure, you may obtain
one from our website (www.riverlandfcu.org) or call one of our
friendly Member Service Representatives, and we will be glad to
mail one to you.
Assets
Deposits
Loans
Members
Wire Transfers of Funds
Western Union Wires
U.S. Savings Bonds Redemption
Official Checks
Gift Cards
Money Orders
TurboTax® for the Web
Postage Stamps
Quarterly Newsletter
Courteous, Professional Service
INSURANCE SERVICES
Free Accidental Death
& Dismemberment Insurance
Affordable Auto, Home, & Personal Lines
MEMBERS® Financial Services
May 2014
$195,795,016
$190,248,812
$170,689,441
$167,790,722
$165,138,179
$160,425,913
14,281 14,151 CURRENT RATES
Annual Percentage Rate
New, Used & Refinanced - Cars, Trucks, & SUVs
(100% financing/60 months/with automated payments)
1.99%**
as low as
New, Used, & Refinanced - Recreational Vehicles such as
Boats, Motorcycles, RVs, ATVs, Motor Homes, & Tractors
(100% financing/60 months/with automated payments)
3.99%**
as low as
Home Equity Loans rates as low as prime minus .25%
Signature Loans (12 months) 5.99%*
Signature Loans (48 months) 7.99%*
MasterCard® (no annual fee)
Platinum 7.90%
For a complete list of loan rates and terms, call or visit us online.
*Loan rates are adjustable and subject to change.
**“As low as” rate is subject to borrower’s credit history, repayment term,
and collateral. This rate is available for a limited time to qualifying borrowers
with qualified automated payments and may increase if qualified automated
payments cease. Example: 60 monthly payments of $17.52 per $1,000
borrowed at 1.99% APR or 60 monthly payments of $18.41 per $1,000 at
3.99% APR. Refinancing excludes current RiverLand loans. Rates are subject
to change without notice. Restrictions and limitations apply. Call for details.
SHARE (SAVINGS) ACCOUNTS
Dividend rates are declared monthly. Earnings are paid
on the last day of the month and are compounded monthly.
Below are rates paid during the 2nd quarter of 2015 on
accounts with balances of $105 or more:
Briefs
May 2015
New & Used Car, Truck, Boat,
Motorcycle, RV, & ATV Loans
New & Used Car Refinancing
Home Equity Loans
Home Mortgages
MasterCard® Accounts
(Platinum, Gold, Classic, & Secured)
RCAs (Revolving Credit Accounts)
Seasonal Loans (low rate/12 months)
Signature Loans
Consolidation Loans
Tuition Loans
Savings & Certificate Secured Loans
GAP Vehicle Loan Protection
Mechanical Repair Coverage for Vehicles Low Cost – Credit Life Insurance
Low Cost – Credit Disability Insurance
Entergy Inter-Office Mail Unit L-ENT-RCU
Entergy UDC 8.576.5800
STATISTICS
LOAN RATES
LOAN SERVICES
Enroll today at www.riverlandfcu.org
Mobile Banking
Phone Banking
E-Alerts & TextRCU
President/CEO Carol L. Irby
Chief Financial Officer
Lori Lassere-Bourg
Vice President of Operations
Rhonda Cubbedge
Vice President of Marketing Charmaine Bocage Russo
Vice President of Lending
Patricia Unsworth
Vice President of Info Technology George Lunsford
Savings Accounts
Money Market Accounts
Certificate Accounts
HSAs (Health Savings Accounts)
Christmas Club Accounts
IRAs (Individual Retirement Accounts)
FOR THE BORROWER
4 FREE Shared Branches Nationwide – 5,000
LOCATIONS, HOURS & PHONES
FOR THE SAVER
Casualty Coverage Accounts
All before his first piña colada!
MANAGEMENT STAFF
MEMBER SERVICES
SHARE CHRISTMAS CLUB
APR • APY APR • APY
April, May, & June .25% • .25%
$105 - $9,999
.10% • .10%
$10,000 or more
.25% • .25%
APY=Annual Percentage Yield
INVESTMENT ACCOUNTS
Dividend rates on investment accounts are reviewed each
Wednesday. Rates shown below were paid June 24, 2015.
Yields reflect monthly compounding. The minimum balance
requirement on most investment accounts is $1,000
(see Truth-in-Savings Disclosure for complete information). Annual
Annual
TERM/TYPE
RATE YIELD
72-month certificate
1.98%
2.00%
60-month certificate
1.69%
1.70%
36-month certificate
.99%
1.00%
24-month certificate
.84%
.85%
18-month certificate
.64%
.65%
12-month certificate
.49%
.50%
6-month certificate
.34%
.35%
3-month certificate
.25%
.25%
Money Market IRA
.99%
1.00%
Money Market Savings
$1,000 and more
.39%
.40%
Money Market Checking .15%
.15%
HSA
1.49%
1.50%
Early withdrawal penalties may apply; see account disclosures.
Early withdrawal penalties may apply, see account disclosures.
Gretna Office • 504.365.3646
1001 Virgil St. ∙ Gretna, LA 70053
9 a.m. – 4 p.m. ∙ Mon - Fri
Jackson Office • 601.368.5200
1340 Echelon Pkwy. · Jackson, MS 39213
9 a.m. – 4 p.m. · Mon - Fri
ATM Location – Office hours
Jefferson Office • 504.840.2600
4809 Jefferson Hwy. ∙ Jefferson, LA 70121
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Fri
ATM Location – 24 hours
Morgan City Office • 985.380.8017
1234 David Dr. ∙ Suite 107 ∙ Morgan City, LA 70380
9 a.m. – 4 p.m. · Mon - Fri
Port Gibson Office • 601.437.6472
Grand Gulf Nuclear Station
7003 Bald Hill Rd. ∙ Port Gibson, MS 39150
9 a.m. – 4 p.m. ∙ Mon - Fri
Taft Office • 504.739.6860
Waterford 3 ∙ 17265 River Rd. ∙ Killona, LA 70057
9 a.m. – 1:50 p.m. & 2:30 – 4 p.m. ∙ Mon - Thurs
(Closed Fridays)
ATM Location – 24 hours
Woodlands Office • 281.297.5556
10055 Grogan’s Mill Rd. ∙ The Woodlands, TX 77380
9 a.m. – 1:50 p.m. & 2:30 p.m. – 4 p.m. ∙ Mon - Fri
ATM Location – Office hours
Shared Branch Locations – More Than 5,000 Nationwide
Toll Free: 888.SITE.COOP (888.748.3266)
Website: www.riverlandfcu.org
Mon - Fri Hours: Vary by location
Saturday Hours: Vary by location
Baton Rouge
Hammond
Harvey
LaPlace
Mandeville
Metairie
Slidell
7018 Siegen Ln.
1115 W. University Ave.
1530 Lapalco Blvd. - #5
350 Belle Terre Blvd.
1291 N. Causeway Blvd. - #3
5500 Veterans Blvd. - #100
1512 Gause Blvd.
Free ATM Locations – More Than 75,000 Nationwide
Toll Free: 888.SITE.COOP (888.748.3266)
Website: www.riverlandfcu.org
Loans by Phone & Internet
504.576.5800x2 · 800.586.4RCU(4728)x2
Website: www.riverlandfcu.org
“TONEY” Audio Response
504.525.9447 ∙ 800.648.2342
MasterCard® Debit & Credit Card – 24 Hours
Lost or Stolen Card Declined Card Blocked Card
800.682.6075
888.526.0404 800.411.8498
Fax
504.576.5805
Website
www.riverlandfcu.org
HOLIDAY CLOSINGS
Year 2015
September 7th
November 26th
December 24th
December 25th
Labor Day
Thanksgiving Day
Christmas Eve
Christmas Day