A Bigger and Better HHFCU. - Hudson Heritage Federal Credit Union

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A Bigger and Better HHFCU. - Hudson Heritage Federal Credit Union
36613-NEWS-1013
Highlights
FALL NEWSLETTER 2013
NOTICE
HHFCU and MPO branches will be closed 11/1
and 11/2 for Systems Integration.
MPO and HHFCU online banking systems and
HHFCU telephone banking will not be available
6 PM October 31 through November 2.
A Bigger and Better HHFCU.
At Hudson Heritage Federal Credit Union, we’re continuously striving to provide
Members with a better banking experience. From offering you the latest financial
Need extra cash? Now offering a
1% rebate² up to $200!
products and services, to giving you more convenient ways to access them.
We’ve got something for everyone.
If you like to bank from home or on the go, you’ll appreciate the array of
e-services such as iCliqToGo (mobile banking) and Heritage iMgmt (online
financial management) provided to you free-of-charge. We also offer a host of
other convenient tools such as our MortgageBot real estate portal that can
provide you with instant approvals on mortgages and refinancing opportunities.
NEW auto loan rates
as low as
1.99%
APR1
Even your car
thinks you need
a new car.
Now is the time with an auto loan from HHFCU.
If you prefer to do your banking in one of our branches, you will be happy to
hear about 3 new branches opening soon in Middletown, Pine Bush, and
Port Jervis. We’re also in the process of moving two branches in Goshen and
Middletown to more convenient, state-of-the-art facilities. These branches will
allow us to better serve Members while providing the opportunity to invite new
Members to our family.
At Hudson Heritage Federal Credit Union we are always growing and improving.
It’s all part of our goal to provide you with better service and more convenient
locations to meet your needs.
845.561.5607 | www.HHFCU.org
Hours vary by branch. View all branch locations and hours online.
APR=Annual Percentage Rate. Rates as low as 1.99% APR with up to 36-month term. As an example: A
36-month loan with a fixed rate of 1.99% APR at 70% LTV would result in a payment of $28.64 per month for
each $1000 financed. Used auto rate slightly higher. Actual rate may vary based on credit worthiness and
down payment. 100% financing is also available for qualified borrowers. All rates quoted include a 1.00%
reduction for Members who pay their loans through electronic transfer from an HHFCU share (savings) or
share draft (checking) account. All extensions of credit are subject to credit approval. Rates shown are lowest
offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may
be offered credit at a higher rate and/or with different terms. Other terms available, maximum term is 72
months. All terms are subject to change without notice. Offer may be withdrawn at any time without notice.
2
Rebate will be 1% of the HHFCU auto loan amount and is subject to a $200 limit. Rebate will be in the form of a
check or deposited into Member’s HHFCU savings or checking account after the auto loan is booked. Auto loans paid
off and closed prior to 18 months will be subject to the addition of the cash rebate amount to the payoff balance. Offer
not applicable on loans from participating indirect auto dealers. You must be a Member to take advantage of this offer.
1
Federally Insured by NCUA
How to Reach Us: 845.561.5607 | www.HHFCU.org
Want a Better Bank? Try a Better Credit Union.
PRESIDENT’S MESSAGE
It’s an exciting time to be an
HHFCU Member
As we celebrate our 73rd anniversary, I
couldn’t be more proud and excited about
the growth and changes that are taking
place at Hudson Heritage.
Through our merger with MPO Federal
Credit Union we have added 3 new locations
(former MPO branches) in Middletown,
Pine Bush, and Port Jervis. In addition to
these 3 new branches, we’re also in the
process of relocating two of our branches in
Goshen and Middletown to easily accessible,
state-of-the-art facilities right in town.
Our new branches feature convenient banking hours in a comfortable
and modern setting. Members will now have easier access to ATMs,
drive-up tellers, and can even access the Internet! We’ll be celebrating
the opening of our new locations soon, so keep an eye out for
more information!
We’ve improved the speed and efficiency of our mortgage loan
process. Now, Members can apply for a mortgage or a mortgage
refinance online at www.myhudsonheritage.com and receive instant
approval on their application.
I’d also like to remind readers of an important membership benefit that
comes at no extra cost and can even save you money. As a Hudson
Heritage Member, you have access to a network of over 30,000
surcharge-free ATMs through the CO-OP and SUM Networks. These
network ATMs are conveniently located and are easily identified by their
respective logos on the ATM. We provide helpful tools to locate the
surcharge-free ATM nearest you, which you can find more detail in the
article on this sidebar.
With the convenience of new branches, an expansive network of
surcharge-free ATMs, technology that helps you bank on-the-go, and
instant decision loans, we’re constantly working to provide Members
and the community a better banking option.
It’s your money, why pay
to access it?
At HHFCU we know you work hard for your money.
The last thing you want to do is throw it away on
costly ATM fees. Many banks will charge you an arm
and a leg to access your money at a non-branch
ATM. When those fees range anywhere from $1 to
as high as $5, they can add up quickly.
For example, if you withdrew money twice a
week with a $2 surcharge fee per transaction
(the current industry average), you’d pay $208 a year
in withdrawal surcharges. That’s $208 that you’ll
never see again! Enough to buy approximately
208 cups of coffee. Six haircuts. Or one really nice
dinner for two!
We think you shouldn’t have to spend your money
to get your money. As an HHFCU Member, you can
access more than 30,000 surcharge-free ATMs
through our CO-OP and SUM Networks. Finding a
participating ATM is easy — here’s how:
Access nearly 30,000 surcharge-free
ATMs with the CO-OP Network.
Find one wherever you are:
• Online: www.hhfcu.org.
• By phone: Text your address, intersection or zip code to
692667 (MYCOOP).
*Standard text messaging rates may apply through your provider.
• iPhone: Download the FREE CO-OP ATM iPhone app
from the iTUNES store.
Access the SUM network
of surcharge-free ATMs.
Just look for the SUM logo on participating ATMs.
• Online: ATM Locator at www.sum-atm.com.
• iPhone® and Android™: Enter “SUM ATM locator”
at your favorite mobile app store.
Note: Surcharges should not occur when withdrawals are made through the CO-OP Network or
SUM Network. However, some ATM machines may indicate a fee notice on the screen when your
transaction is being processed. To verify a surcharge was not charged, please check your receipt.
The receipt will show any surcharge as it will be added to the total withdrawal amount. Please
contact us immediately if a surcharge does occur.
Sincerely,
Additional surcharge-free
ATM locations:
Michael J. Ciriello
President & CEO
•
•
•
•
•
2084 State Route 208, Montgomery
82 N. Plank Road, Newburgh
625 Dutchess Turnpike #1, Poughkeepsie
316 Broadway, Kingston
1575 Route 9, Wappingers Falls
Community News
Announcing the Virginia Wilson
Scholarship Fund
Former President and CEO of Hudson Heritage, Virginia L. Wilson started out as
the manager of the sole Newburgh location of HHFCU (which was known then as
the Newburgh Teacher’s Credit Union). During her 30-plus years with HHFCU, she played
a big role in taking us from that one small location to a credit union with eight branches.
In recognition of Virginia Wilson’s commitment to the Members and employees
of this credit union throughout the years, we have renamed our annual scholarship
program in her honor.
Members who are graduating high school seniors have an opportunity to win a college
scholarship through the Virginia Wilson Scholarship Fund. Awards for the scholarships
are tiered from $500, $1000, and $1500. Winners are selected based on their scholastic
achievements, community involvement, and leadership qualities. Applications will require
an essay and supplemental documentation, so allow time to gather these materials.
Applicants will also be automatically entered into the Credit Union Association of
New York college scholarship program. Finalists will be selected from credit unions
across New York State.
If you are eligible and would like to apply, stop by any branch or contact our
Member Service Center at 845-561-5607 and we will mail you an application.
International Credit Union Day®
– Oct. 17, 2013
Credit unions continually demonstrate their
ability to improve the lives of individuals, families,
communities and countries around the world,
and have done so for generations. As we
celebrate International Credit Union Day this October, we celebrate the theme of
“Credit Unions Unite for Good” with more than 186 million people worldwide.
Join us on October 17, as we celebrate Credit Union Day throughout our
branches and applaud the fact that Americans and those around the world are
embracing credit unions as their best financial partner.
Friends don’t let friends
bank at banks.
Show them the benefits of banking with your credit union.
Left to right: Jonathan Wajts, Cheri Magadanz of AHRC,
Joseph Marchio, Jessica Simpson, Tiffany Schoonmaker
of HHFCU, Amanda Bossard of HHFCU, Caitlin Ruddy of
HHFCU, Nancy Perkins of HHFCU, Robert Terry.
Part of a Community
On Tuesday, August 13th members of
Orange County AHRC visited HHFCU at
our Rykowski branch as part of a
Day Habilitation event. The participants of
Day Habilitation visit local organizations to
practice skill development and broaden their
social experiences. Hudson Heritage took
members of AHRC on a tour of the branch
and hosted fun financial education projects. HHFCU Gives Back
Earlier this month, HHFCU Staff and Members
did their part to help save lives through the
donation of blood to the Red Cross. It was
great to see everyone come together for an
important cause. Not to be overlooked, this
September two of our branches also hosted
a Free Community Shred Day. These events
helped HHFCU Members and the community to
stay safe from fraud and identity theft. We were
very happy to see so many people participate in
these worthwhile causes.
Refer a friend who becomes a Member
and you’ll both receive $20*.
PLUS A CHANCE TO WIN
$250 EACH!
1
*Twenty (20) dollar award may be subject to 1099 IRS reporting.
1
No purchase necessary to enter to win drawing. Void where prohibited by law.
Contest open to all Hudson Heritage Federal Credit Union Members 18 years or older.
Contest period: 4/1/13 through 11/1/13. See complete official rules in our branches or
online at www.hhfcu.org. One prize of two-hundred and fifty (250) dollars each will be
awarded to winning contestants in the form of gift cards.
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more achievable.
4. Manage your credit. Keeping your credit in check and using your
credit wisely will allow you to negotiate better rates when borrowing.
This way, you’ll have more money that can be used toward your
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6. Contribute to a retirement plan. Take advantage of your employer’s
retirement plan if they offer one. It allows you to automatically
contribute pre-tax dollars so that you can pay yourself, before
spending money on bills and other expenses.
7. Meet your employer’s match. If your employer offers a match in
their retirement plan, make sure you contribute enough to take full
advantage of the match.
8. Contribute to an IRA. Contributions to a traditional IRA may be taxdeductible depending on your income and whether or not you and/
or your spouse are covered by a retirement plan in your workplace. If
you make less than $127,000 a year or less than $188,000 for joint
tax filers, a Roth IRA may also be an option.
9. Take advantage of catch-up contributions. Contributions to
retirement plans and IRAs are limited, so it’s important to start early.
Once you reach age 50, these limits rise, allowing you to catch up on
your retirement savings.
HEATING loan r ates
4.99%
as low as
10. Review your plan. Reviewing your plan will allow you the opportunity
to make vital decisions based upon current circumstances and make
the changes that are necessary to achieve a successful retirement.
APR1
Offer ends October 31, 2013
Douglas Voight, Certified Financial Planner ®
and Investment Advisor Representative
Call Doug today at 845-561-5607, extension 492.
It could make all the difference in your future.
To receive monthly emails with financial tips and
news or weekly market updates, send an email to
[email protected] today.
Let us introduce you to valuable savings.
With a heating loan from Hudson Heritage Federal
Credit Union you can turn up the heat without
the worry. Apply for your heating loan today.
845.561.5607
www.HHFCU.org
APR is Annual Percentage Rate. All extensions of credit are subject to credit approval. Rates as low as 4.99% APR with
24-month term. All rates quoted included a 1.00% reduction for Members who pay their loans through an HHFCU electronic
transfer from a share (savings) or share draft (checking) account. Rates shown are lowest rates offered for the loan product
advertised. Actual rate may vary based on credit worthiness. Applicants that are not approved for these loan rates or terms
may be offered credit at a higher rate and/or with different terms. Minimum loan amount of $500 to qualify for these rates
and terms. Maximum loan amount is $5000. All terms are subject to change without notice. This is a limited time offer which
may be withdrawn at any time.
Federally Insured by NCUA
1
save
wireless for less
Let the snow
pile up. Not your
heating bills.
10% or save 15%
on select regularly priced
personal service plans*
on select regularly priced
business accounts*
Use Corporate ID: NACUC_ZZM
Use Corporate ID: NACUC_ZDS_ZZM
Plus
• Waived activation fee on new lines (Up to $36 in savings)
• Waived upgrade fee (Up to $36 in savings)
Call 877.SAVE.4.CU and tell them you’re a credit union member and ask
to be attached to either Corporate ID to start saving today!
*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount does not apply to secondary lines.
Home Lending News
Cyndi O’Brien
Mortgage Originator
Home sweet homeownership
Owning a home has always been part of the “American
Get approved for a mortgage in as
little as 15 minutes!
It’s easy to apply for an HHFCU mortgage or refinance an
existing mortgage with our MortgageBot real estate loan
portal. Access the secure loan portal via our website to:
•
•
•
Explore rates, fees, and products
Complete applications in minutes
Get “instant” approval
To learn more about our online loan application or to begin
an application, visit www.myhudsonheritage.com.
Dream”. Despite the recent trend of long-term renting over
buying, there are a variety of reasons why owning your home
can be a more financially and personally rewarding experience.
Stability. Owning a home gives you the opportunity to put
down roots and allows you to personalize your living space
in a way that generally isn’t possible when you’re renting.
Want to paint your bedroom in purple polka dots? Go ahead,
it’s your house!
Tax benefits. One benefit over renting is that the interest on
your home loan as well as your property taxes may be tax
deductible. So while your monthly costs vs. renting may be
higher, you might see more of that money back in a tax refund
at the end of the year.
Buying a home will help you build equity. While buying a
home may not make you rich, having equity in a home can
increase your personal wealth.
Home equity loans and lines of credit. When you’ve built
up enough equity in your home, you can put it to work for you,
with a home equity loan or home equity line of credit. You can
use these loans to pay for things like college, medical bills, or
Home Equity Line of Credit 2,4
or Home Equity Loan2,3
as low as
1.99% 2.99%
APR1
First 12 months
APR1
first 24 months
Pay no closing costs as long as loan
remains open for a minimum of 4 years5.
other expenses.
Appreciation. I’m not just talking about the pride that comes
with owning your own home. If you buy at the right time and
stay in your home long enough, you’ll see that housing prices
historically trend up over time.
Of course there are certain situations and stages in life when
homeownership just isn’t a practical option. But if you feel
Don’t think of it as just a great
rate on a home equity loan.
Think of it as a sale
on man caves.
owning a home is the best option for you, your next step is to
come in and speak to a knowledgeable Mortgage Originator
at HHFCU. We are here to help you through the entire process
of securing the best mortgage for your individual needs. Stop
by your local branch to get started or call me, Cyndi O’Brien at
845-561-5607 ext. 175.
845.561.5607
www.HHFCU.org
Hours may vary by branch. View all branch locations and hours online.
¹ APR is Annual Percentage Rate. All extensions of credit are subject to credit approval. Rates shown are the lowest offered
for the loan product advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a
higher rate and/or with different terms. This is a limited time offer which can be withdrawn at any time. All terms are subject
to change without notice. There are certain draw down, balance requirements, and loan-to-value restrictions which may
apply. Minimum loan amount of $25,000 required to qualify for these rates and terms. Offer valid on existing HHFCU real
estate products if amount of line of credit/loan is increased by a minimum of $25,000. Must maintain $25,000 outstanding
loan balance to qualify for these rates. If loan falls below $25,000, rate will revert to existing regular rate and closing costs
will be added back into the loan/line of credit. Contact a credit union employee for further details. May not be combined with
any other offers. All rates quoted include .50% reduction for Members who pay their loans through an HHFCU electronic
transfer from a share or share draft account. ² Home Equity Loans and Home Equity Lines of Credit closed out prior to their
four-year anniversary date will be subject to the addition of all waived closing costs to the payoff balance. Appraisal required
for loans with 80% LTV and higher. Appraisal costs, if required, are paid by the borrower and will be reimbursed when the
loan is funded. ³ Payment Example: A 60 month term with a 70% loan-to-value and an introductory rate of 1.99% would
result in an estimated payment of $17.52 for each $1000 borrowed. 4 For variable rate loans, the APR may be increased after
consummation. 5 Does not include New York State mortgage tax.
Federally Insured by NCUA
Federally Insured by NCUA
Convenient online banking services are just a click away!
Life is busy enough. A stop at your local Hudson Heritage branch doesn’t have to be one of the things on your “to do” list.
We offer a suite of convenient services that help you take care of banking on the go.
Heritage iCliq
Heritage iPay
iCliqToGo
Heritage iMgmt
Bank right from your
computer at home or work.
Check your balances,
transfer money between
accounts, or check your
e-Statements from anywhere
with internet access.
Set alerts for payment due
dates and track your payment
history. Set up one-time
payments or automate your
recurring payments for cable,
insurance, your cell phone,
and more!
Even when you’re not at
a computer, you can still
manage your accounts from
your mobile device! iCliqToGo
puts all the benefits of online
banking and bill pay into one
mobile-friendly package.
Making it easy to stay on
target with your financial
goals, no matter how big or
small. Set spending alerts and
categorize your transactions
to keep on top of your budget
and goals. View your history
and activity in user-friendly
charts and graphs.
Get started with FREE1 online banking through Heritage iCliq to access all
of the FREE1 e-services that help you keep on top of your financial goals.
Board of Directors
Chairperson
Paul Zalanowski
Vice-Chairperson
Thomas Houston
Treasurer
William Wiseman, Jr.
Secretary
Kenneth Affeldt
Directors
Michael Mahar
Kent Hottinger
Gerard Amoroso
Robert Gould
Stanley Goldberg
Thomas Eltz Sr.
Richard J. Guertin
Supervisory Committee
Chairperson
Sandra Gerow
Loretto Kennedy
Robert Sassi
Nicholas Giglio
Michael Early
Operations
President & CEO
Michael J. Ciriello
Executive Vice President
Ray F. Litchfield
Senior Vice President of Retail
Operations
Sean Foody
Chief Financial Officer
Deborah Dulisse
Vice President of Marketing
Nancy Perkins
Vice President of Administration
Jenny Rivera
Holiday
CLOSING
CALENDAR
1
Heritage iPay and iCliq are free services to Members as long as these online accounts are accessed at
least once within a 60-day period. Otherwise, a $5 fee will be charged. Texting/data charges may apply.
Please check with your wireless carrier.
Branch Locations, Hours & ATMs
Newburgh
2 Corwin Court
LOBBy
8:30am - 5:00pm 8:30am - 6:00pm
8:30am - 4:00pm
Monday - Wednesday
Thursday - Friday
Saturday
24 HOUR DRIVE-UP ATM
drIVE-UP
8:30am - 5:00pm
8:30am - 6:00pm
8:30am - 4:00pm
Walmart Supercenter In-Store Branch, 1201 Route 300
Monday - FRIDAY
SATURDAY
SUNDAY
24 HOUR ATM
LOBBy
10:00am - 7:00pm
9:00am - 5:00pm
11:00am - 4:00pm
MONTGOMERY
17 Walnut Street
Monday - friday
Saturday
24 HOUR DRIVE-UP ATM
PINE BUSH
89 Boniface Drive
LOBBy
8:30am - 5:00pm
8:30am - 6:00pm
8:30am - 4:00pm
42 Jason Place
LOBBy
8:30am - 5:00pm 8:30am - 6:00pm
357 E. Main Street
Monday, Thursday, & Friday
Tuesday & Wednesday
24 HOUR ATM
LOBBY
8:30am - 6:00pm
8:30am - 4:00pm
Monday - Wednesday
Thursday - Friday
LOBBy
8:30am - 5:00pm Monday - thursday
Friday
Saturday
24 HOUR ATM
LOBBy
8:30am - 5:00pm
8:30am - 6:00pm
Monday - Wednesday
Thursday - Friday
Saturday
24 HOUR ATMs
SUNY Campus - Lower Level of Haggerty
Administration Building, 1 Hawk Drive
Washingtonville
131 East Main Street
Harriman
Old Glory Mall, 95 Maher Lane, Ste. 9
Middletown
25 Rykowski Lane
LOBBy
8:30am - 5:00pm 8:30am - 6:00pm
8:30am - 4:00pm
ATM Located in Student Union Building, available during open building hours
LOBBy
8:30am - 4:30pm
8:00am - 4:30pm
Monday - thursday
Friday
24 HOUR ATMs
Monday - thursday
friday
Saturday
24 HOUR ATM
Monday - FRIDAY
Goshen
Department of Public Works Bldg., Route 17M
Monday - thursday
Friday
New Paltz
243 Main Street, Suite 160
PORT JERVIS
17-19 Sussex Street
Monday
Tuesday & Wednesday
Thursday & Friday
Monday, October 14, 2013 ­– Columbus Day
Monday, November 11, 2013 – Veterans Day
Thursday, November 28, 2013 – Thanksgiving Day
Tuesday, December 24, 2013 – Christmas Eve
drIVE-UP
8:30am - 5:00pm
8:30am - 6:00pm
8:30am - 4:00pm
LOBBy
8:00am - 6:00pm
8:30am - 4:00pm
drIVE-UP
8:00am - 6:00pm
8:30am - 4:00pm
LOBBy
9:30am - 6:00pm
Monday - FRIDAY
DRIVE-UP
8:30am - 6:00pm
8:30am - 6:00pm
LOBBy
8:30am - 5:00pm
8:30am - 6:00pm
8:30am - 4:00pm
LOBBy
8:30am - 5:00pm
9:30am - 5:00pm
8:30am - 6:00pm
Member Service Center Hours
Monday - friday
Saturday
8:00am - 6:00pm 8:00am - 5:00pm
Wednesday, December 25, 2013 – Christmas Day
Tuesday, December 31, 2013 – New Year’s Eve
(branches close at 1:00 pm)
Wednesday, January 1, 2014 – New Year’s Day
(branches close at 1:00 pm)
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