Winter 2013 Newsletter - Erie Community Credit Union

Making Life B etter
WINTER
2013
for
E rie County
Common Cents
Ask for Erie Community
Credit Union Financing
Right at the Dealership
Sour on Your Auto Loan?
Drive it over to Erie Community CU
and refinance at an incredible low rate!
That’s right! You can get Erie
Community Credit Union’s low rates
and have your auto loan approved
within minutes right at the dealership
through CUDL. No trip to the credit
union necessary.
IT’S AS EASY AS 1 – 2 – 3!
1
Decide on the make and model
of the vehicle you want
2
Visit any participating dealer
3
Ask to finance with Erie
Community Credit Union
To research pricing information,
review auto buying tips, locate a
dealer, receive price quotes or simply
configure the vehicle you would like
to purchase, visit our website at
www.erieccu.org and click on the
CUDL AutoSMART link.
Cash Back
Offer Now
Includes
Motorcycles
and Boats**
• Great low rates
• Terms up to 84 months
• Up to 110% financing available
Here’s a sweet twist:
When you refinance your auto loan
from another financial institution, we’ll give you
1.25% cash back!*
In This Issue
CEO Message
Go Direct®
In The Community
DeDad Scholarship
Newsletter Updates
TurboTax®
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4
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For current rates and terms, visit www.erieccu.org.
*You must join Erie Community Credit Union or already be a member in good standing to qualify for this offer. Subject to credit
approval. Certain restrictions and conditions may apply. 1.25% Cash Back Auto Refinance offer minimum loan amount is $5,000.00.
The minimum cash back amount you will receive is $100.00 per loan. The loan must remain open for one year in order to retain cash
back incentive. Cash back funds received may be reported to the IRS as income on form 1099-MISC. Existing Erie Community Credit
Union loans are excluded from this promotion. This is a limited-time offer and cannot be combined with any other offer. Terms and
conditions are subject to change without notice. **Terms and conditions for motorcycle and boat loans vary. Please visit us online or
speak with a CU representative for details.
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A
Message from your CEO
Happy New Year!
I am proud to report that 2012 was yet another successful year for Erie Community
Credit Union, thanks to you, our members. I truly hope that you have been able to benefit
from the new products and services introduced in 2012, such as our new user-friendly
website, year-round Skip-A-Pay and the Black Wednesday auto and signature loan specials. We also offered variable-rate home
equity, vacation and holiday loans with rates even lower than our already competitive rates and extended the 1.25% Cash Back Auto
Refinance offer.
“Making Life Better for Erie County” is something we stand behind here at Erie Community Credit Union. With the help of our staff and
members, over $9,500 was given to local charities in 2012. These donations were raised through our employee Jean Fridays and the
charity drives held at our teller lines. Thank you again for your support and generosity!
As we look ahead to 2013, we will explore new avenues for growth and development. We will continue to offer you competitive rates
and special promotions throughout the year. Look for our next newsletter issue or check out our website at www.erieccu.org and stay
informed on the latest CU news and information. We look forward to continuing to provide you with the high quality of products and
services you’ve come to expect as a member of Erie Community Credit Union.
Sincerely,
Rich Wiest, CEO
DIRECT
It’s the Law:
Switch to Electronic
Federal Benefit Payments Today
If you still receive a paper check for your Social Security or other
federal benefit payments, you are required by law to switch to
an electronic payment option by March 1, 2013. That’s only two
months from now.
Notice of Election of Directors
Erie Community Credit Union will be conducting the election
for the Board of Directors and Supervisory Committee in April
2013. If all the nominees run unopposed, an election will not
be conducted by mail ballot. Results of the election will be
announced at our Annual Meeting on Wednesday, May 22, 2013.
More details pertaining to the Annual Meeting will be available
after May 1st.
Our Board of Directors currently consists of seven members
and our Supervisory Committee includes three members, each
serving a three-year term. If you would like to run for a board
or supervisory position or for information about the duties
and responsibilities to run for a board or supervisory position,
please send a written request to the nominating committee at
Erie Community Credit Union, P.O. Box 1538, Erie, PA 16507. All
requests must be received by the nominating committee prior to
February 19, 2013.
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It’s fast, free and easy to sign up for direct deposit or the Direct
Express® Debit MasterCard® card by calling the U.S. Treasury
Electronic Payment Solution Center at (800) 333-1795 Monday –
Friday from 8 a.m. to 8 p.m. EST. Wait times are usually minimal.
Call now to avoid delays near the deadline.
For direct deposit, you can also sign up online at
www.GoDirect.org or by visiting your bank or credit union.
If you do not choose an electronic payment option by March 1,
2013, you may be issued a Direct Express® card.
Remember, you are required by law to switch to an electronic
payment option by March 1, 2013. Time is running out—make
the switch today. More information, including instructional
videos on how direct deposit works and how to use the Direct
Express® card, is available at www.GoDirect.org.
Source:
U.S. Department of the Treasury, Financial Management Service
In The
Community
Muscular Dystrophy Association
The credit union once again participated in the MDA’s annual Shamrock
Against Dystrophy Campaign. Shamrocks were sold in our lobbies from
February 18th through March 17th. A check in the amount of $875 was sent
to our local MDA office—enough to send one child to summer camp.
March for Babies
Erie Community Credit Union participated for the 9th year in a row in the
March of Dimes “March for Babies” walk on Sunday, April 29th. Eighteen
credit union employees and their families walked 6.2 miles around
Presque Isle. The credit union raised $3,431 through Daffins candy bar
sales, employee jean days and pledges obtained from the staff members
who walked.
United Way
The credit union sold Live United t-shirt icons in our lobbies from
July 1st through July 31st. A donation of $400 was sent to the United Way
of Erie County.
Children’s Miracle Network Hospitals
Members and staff raised funds for Saint Vincent Hospital, our local
Children’s Miracle Network Hospital. During August and September,
members purchased 2,349 Daffins candy bars for a $1 donation each.
ECCU employees donated $5 to wear jeans or $20 to wear jeans and
a Miracle Jeans Day t-shirt in September. A total of $2,084 was raised!
Thank you for helping us make a difference.
JDRF
ECCU raised funds to support Juvenile Diabetes Research Foundation,
a global leader in supporting research to cure, better treat and prevent
Type-1 Diabetes. Members could purchase a JDRF shoe or a Daffins
candy bar for a donation of $1. All shoes were proudly displayed in our
branches. Several employees raised pledges for the JDRF Walk to Cure
Diabetes in October. A total donation of $1,401.50 was sent to our local
JDRF branch.
Second Harvest Food Bank
Many kids in Erie city schools depend on school lunches for their daily
nutrition and when the weekend comes, many go hungry. The Second
Harvest’s BackPack program gives Erie school kids a backpack full of
healthy food for the weekend. ECCU donated $965.50 to this program
after raising money from Daffins candy bar sales and Jean Fridays
for employees.
Saint Martin Center
Erie Community Credit Union branches sold Daffins candy bars to benefit
St. Martin Center, Inc.’s Shining Star program, which provides gifts to
children in need at Christmas. Candy bars were sold from December 1st
through December 21st. A check for over $650.00 was presented to the
St. Martin Center.
www.erieccu.org
Get a Mortgage
from the People
You Trust
Every house needs a solid
foundation, and a mortgage
from Erie Community Credit
Union is just the foundation
you need. Whether you are
seeking to refinance your existing mortgage to a great
low rate or purchasing your very first home, we’ve got a
home loan perfect for your every need.
Erie Community Credit Union works hand-in-hand with
CU Members Mortgage to offer you a comprehensive
selection of loan programs with the most competitive
rates and flexible terms.
With one of the most sophisticated online loan systems
in the industry, CU Members Mortgage delivers a fast,
user-friendly loan application that gives you a decision
in minutes. Plus, online calculators let you try different
financial scenarios to determine just the right loan or
refinancing options.
Use the online consultant to find out how much of a
mortgage you can afford and estimate your closing
costs without ever leaving your home or office. A
complete home buying glossary and other information
in easy-to-understand language make the loan
application process simple, from pre-qualification to
final closing.
Should you choose to speak with a loan officer
personally, simply call Julie (NMLS #707113) at
(814) 455-6400 ext. 1017 or Ernie (NMLS #702361)
at (814) 452-2152 ext. 2002 and they will be more than
happy to walk you through the process.
Call or log on today and see how a new mortgage loan
at a great low rate can secure your financial future.
James J. DeDad Scholarships
The Erie Chapter of Credit Unions James J. DeDad
Scholarships will be available at the Credit Union after
April 1, 2013. Credit Union members between the ages
of 17 and 24 who are enrolled or
will be enrolled as a full-time
undergraduate student in 2013
are eligible to apply. For more
information or to obtain an
application, stop in or
visit us online at
www.erieccu.org
after April 1st.
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1129 State Street
Erie, PA 16501
(814) 455-6400
www.erieccu.org
PRSRT STD
U.S. POSTAGE
PAID
IMAGE.WORKS
53719
Holiday Closings
New Year’s Day
Tuesday, January 1, 2013
Martin Luther King, Jr. Day
Monday, January 21, 2013
Presidents’ Day
Monday, February 18, 2013
MAIN OFFICE
1129 State Street, Erie, PA 16501
(814) 455-6400 • Fax (814) 452-1263
Toll Free (800) 651-6582
WEST ERIE BRANCH
2165 W. 21st Street, Erie, PA 16502
(814) 452-2152 • Fax (814) 455-9199
HOURS
Monday-Thursday
9:00 a.m. to 5:00 p.m.
Friday
9:00 a.m. to 6:00 p.m.
Saturday (Westside Only)
9:00 a.m. to 1:00 p.m.
WEBSITE
www.erieccu.org
Wanted: Your Email Address!
We are excited to introduce a fresh look for our newsletter. You’ll continue to find
information on financial news, ECCU products and services and more—just with an
updated look!
Plus, ECCU is going green with e-newsletters. Starting in 2013, two of our quarterly
newsletters will be sent to members as e-newsletters. Make sure we have your email
address so you can stay up-to-date with ECCU products and offers!
E-newsletters will be sent directly to your email inbox, where you can learn about all our
latest special offers exclusively for our members and read up on financial management
tips. E-newsletters are fast, convenient and green!
To provide your email address and make sure you receive our e-newsletters, simply update
your email address through Online Banking, or you can call or stop in the credit union.
You will continue to receive two other issues per year in the mail.
ROUTING AND TRANSIT NUMBER
243380875
Avoid paying extra fees at the
ATM. Look for the CU$ symbol for
surcharge-free transactions.
If you are traveling outside the area, remember you can visit
any Credit Union Service Center to access your account.
Visit www.cuservicecenter.com for a list of locations.
Please note: there is a fee of $2.25 per visit at CU Service Centers.
Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
Traditional and Roth IRAs insured up to $250,000.
It’s Your Money—
Keep More of It with TurboTax®
Why spend more than you should to have someone
else do your taxes for you? TurboTax® puts the power in
your hands to keep more of your hard-earned money,
with the peace of mind of knowing you have experts in
your corner every step of the way. Plus, Erie Community
members can save on TurboTax® Federal Deluxe. Get
started now and get your biggest possible refund!1
Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation
method, we’ll refund the applicable TurboTax® federal and/or state purchase price paid. TurboTax® Federal Free Edition customers
are entitled to payment of $14.95 and a refund of your state purchase price paid. Claims must be submitted within 60 days of your
TurboTax® filing date and no later than 6/15/13. Optional add-on services excluded. Cannot be combined with TurboTax® Satisfaction
(Easy) Guarantee.
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©2012 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax® 2012. Terms, conditions, features,
availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among
others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or
service marks are the property of their respective owners.
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