URW News - URW Community Federal Credit Union

70561A0612
How to Make
Sizzling Savings
Your credit union membership is the key to
a wide variety of products and services that
can help you achieve your financial goals by
maximizing your savings. We can help you:
Taylor Doss, Carlton Patterson and
Linwood Saunders.
Congratulations,
Class of 2012!
With free checking accounts, free
debit/ATM cards, free online banking,
and much more, URW Community
FCU has all the services you need for
a secure financial future. So before
you head off to college or embark on
your career, be sure to come see us.
We’ll be happy to help.
URW will be closed in observance
of the following holidays:
Sizzlin’ Hot Summer Rates!
independence day
July 4th
nSet up direct deposit to conveniently
deposit all or part of your paycheck into
a separate savings account.
labor day
September 3rd
July
nRefinance your high-rate loan with one
of our low-rate loans and start saving
instantly by reducing your monthly
payments.
Every Day can be
Bank Transfer Day!
nTake advantage of Summer Skip-A-Pay
and keep your loan payment(s) for
the month of August. Use the cash for
overdue bills, a school wardrobe, or
whatever you like.
On November 5, 2011, tens of thousands of people nationwide took a big, bold stand
against big brash banking practices. They packed up their funds and headed toward
credit unions. Many became new members here at URW Community Federal.
There are plenty of ways
to make the most of your
money. Let us help you
discover them. Stop by
the Credit Union or visit
www.urwfcu.org for more information.
2012
$500 scholarships to eligible URW members.
539 Arnett Boulevard
364 Lowes Drive, Suite H
142 S Main Street
1901 Goodyear Boulevard
701 Broad Street
Danville, VA
maintain your current contact information in case we need to contact you regarding
your accounts. If you’ve moved, changed your phone number or email address, or
need to update your beneficiary information, please take a moment to let us know.
If you already have a loan here at URW Community FCU, good for you—you’re
saving money with our great low rates. If you already have our checking account,
congratulations—you’ve chosen a fee-free account full of features. You’re already
familiar with many of the convenient services we offer our members, but did you know
you can combine them to create an unbeatable team of financial services?
n
Low-Rate Loan + Direct Deposit = The opportunity to save money by refinancing
high-rate loans with one of our many low-rate loan options. Plus, never miss a
payment when you schedule automatic payments through Direct Deposit.
n
Checking Account + ATM/Debit Card = Fee-free checking services, plus the
additional benefit of accessing your money anytime, anywhere.
n
Online Banking + Online Bill Pay = Easy access and management of your credit
union accounts as well as the ability to schedule one-time or recurring bill
payments.
n
Christmas Club Account + Automatic Transfers = A convenient way to save for the
holiday season with automatic transfers set up to deposit money weekly or monthly.
Stop by the Credit Union to discover all the ways our services can be combined to
better serve your financial needs.
Scholarship
Winners
Each Year, URW Community Federal awards six
We’d Like to Know… As your financial institution, it is important for us to
Combine Credit Union Services
for Ultimate Convenience
2012
President’s Message
Local Phone:434-793-1278
To qualify, you must be a URW Community
Federal member in good standing and be
applying to an accredited undergraduate
program at a four-year college, university
or vocational/technical institution with a
minimum of 12-hour credits during the fall
semester. Scholarships are awarded at the
Annual Credit Union Business Meeting. Toll Free: 866-879-6328
URW Community Federal Credit Union would
Fax: 434-799-0949
like to congratulate this year’s winners, Jessica
Teller Talk: 877-793-5831
www.urwfcu.org
Edited by Cheryl Doss
Webster and Shundreyon Brooks of Dan River
High School; Alister Stepehns-Pickeral and
Megan Carter of George Washington High
School; and Tiffany McGregor and Amitie
Hylton of Tunstall High School.
This got me thinking. What’s in a day? Favorable rates, fair practices and great
attitudes are fashionable 24/7 here at your credit union. ANY day is the perfect
day to switch. EVERY day makes sense to upgrade one’s financial experience.
And so, I’m turning to you, our members. Why not tell your friends, colleagues,
co-workers and family to join the fun (and funds)? Let them know how cool it
is to bask in better products, rates and services, along with exclusive member
benefits. Tell them about the surcharge-free ATMs, and the ability to call and
actually talk to a real human being! Remind them that their money will be
federally insured, so there’s no downside. It’s all good, win-win wonderful!
The credit union movement has never had more momentum. Let’s keep it alive! The
more members we have, the more we’ll all benefit. As a not-for-profit organization,
we plow any profits back into dividends, lower APRs and increased benefits.
Let’s not name “One Day” Bank Transfer Day. Let’s declare Every Day, Any
Day, and especially Today the day. Tell folks! Spread the people helping
people credit union word and have them experience the URW Difference for
themselves. They’ll thank you!
Cheryl Doss
President/CEO
We would also like to thank the members of our
Scholarship Committee, Archie Glass, Emerson
Phillips, Ted Fitz, Jimmy Newcomb, L.C.
Moore, Suzie Bohannon, and Sherry Smith. Scan this QR code with a reader app on your
smartphone to instantly go to www.urwfcu.org.
Federally insured by NCUA.
©CUAdvantage.com • 877.799.0784
A q u a r t e r l y p u b l i c a t i o n o f UR W C o m m u n i t y F e d e r a l C r e d i t U n i o n july 2012
www.urwfcu.org
Congratulations to the winners of
our Texas Hold ‘Em tournament:
URW News
Holiday Closings
Make it a Summer Full of Savings
With a Credit Union Loan
URW Community Federal Credit Union is beating out the competition with loans
that surpass them all! Our low, competitive rates and flexible terms are sending
members home with monthly payments that are simply more affordable.
Auto Loans | Boat Loans | Motorcycle Loans
RV Loans | Home Equity Loans | VISA Credit Cards
Whatever your financing needs, turn to URW to help you save.
A q u a r t e r l y p u b l i c a t i o n o f UR W C o m m u n i t y F e d e r a l C r e d i t U n i o n www.urwfcu.org
URW Community Federal Credit Union
Know the Risks.
When you buy an annuity, the bank or insurance company invests your money
and agrees to pay you back according to the annuity’s contract terms. The annuity
can be part of a long-term savings plan for retirement. Like mutual funds, they are
not insured by the U.S. government. As an investor, you should be aware that these
funds have different degrees of risk and could possibly lead to a loss of some or all
of your principal. Make sure you know all the facts before you invest. Questions?
Contact our Certified Financial Advisor, Suzie Bohannon, at suzieb@urwfcu.org.
A Note of Thanks
to our Volunteers
Members Say,
“Best Annual
Meeting Ever!”
We would like to thank our volunteers for
their dedication and service to the Credit
Union and our members. We appreciate you
volunteering your time!
15.00% APR*
Simple, affordable financing—get it right
here. Stop by the Credit Union for more details.
our corporate sponsors: Piedmont Shopper, Showcase Magazine, Pepsi,
Scott Brooks Publishing, Barkhouser Ford, USW
*APR = Annual Percentage Rate. Quoted rate is the lowest available
rate. Your rate will be based on your credit history and may be higher.
Rates and terms subject to change without notice.
Local 831, Piedmont Printing, and to
Board of Directors
Ted Fitz, Jimmy Newcomb, Archie Glass,
Emerson Phillips, L.C. Moore
A+ Back-To-School Loan
With the rising cost of tuition, it’s becoming increasingly
difficult for many consumers to finance education costs.
Thankfully, when financial aid, scholarships and federal
loans are not enough to cover the full cost of tuition, URW
Community FCU is here to help.
Our Back-To-School Loan can help you finance tuition as well as other costs
associated with attending college, including books and room and board. Give
us a call or stop by the Credit Union for more information.
If you’re like many Americans in these trying economic
times, finding the money to fund a family vacation may
prove a bit difficult. Thankfully, with the help of a Vacation
Loan from URW, you can still get your family on the
vacation of your dreams without stressing about the funds.
Up to $3,000 | 12-month term
The John Brown Jazz Orchestra, Alma Shumate, Danville Elks Lodge,
made this such a memorable night!
Vacation Loan Here
Summer Vacation Loan
Special thanks to the Dan River High School ROTC for presenting colors,
all the Gangsters and Flappers that
Get Your
Supervisory Committee
Jerry Harris, Frank Howerton, James Coles,
Juanita Turner, Raymond Parks
Travel Tip…
If your travel plans take you out
of the area, please let us know. We’ll place a note on your
account and take the necessary steps to ensure your funds
are available as you travel. We monitor unusual spending
patterns, and if we see unusual spending within the U.S.
or overseas and don’t know you’re traveling, we may
block your card to prevent potential fraud.
Discounted Area Attraction
Tickets Sold Here
With discount tickets to some of the area’s most popular
attractions, URW Community Federal Credit Union can
help you enjoy the same amount of fun this year, for a
much lower price! See us before you head to the park.
Connect With Us on Facebook! Keeping up with the latest URW Community Federal
Credit Union news is easy. Simply “like” us on Facebook! It’s a great way to learn what’s going on, ask us
questions, and even meet fellow members.
july 2012 • Quarterly Publication
Investing in an Annuity?
URW Community Federal Credit Union
Know the Risks.
When you buy an annuity, the bank or insurance company invests your money
and agrees to pay you back according to the annuity’s contract terms. The annuity
can be part of a long-term savings plan for retirement. Like mutual funds, they are
not insured by the U.S. government. As an investor, you should be aware that these
funds have different degrees of risk and could possibly lead to a loss of some or all
of your principal. Make sure you know all the facts before you invest. Questions?
Contact our Certified Financial Advisor, Suzie Bohannon, at suzieb@urwfcu.org.
A Note of Thanks
to our Volunteers
Members Say,
“Best Annual
Meeting Ever!”
We would like to thank our volunteers for
their dedication and service to the Credit
Union and our members. We appreciate you
volunteering your time!
15.00% APR*
Simple, affordable financing—get it right
here. Stop by the Credit Union for more details.
our corporate sponsors: Piedmont Shopper, Showcase Magazine, Pepsi,
Scott Brooks Publishing, Barkhouser Ford, USW
*APR = Annual Percentage Rate. Quoted rate is the lowest available
rate. Your rate will be based on your credit history and may be higher.
Rates and terms subject to change without notice.
Local 831, Piedmont Printing, and to
Board of Directors
Ted Fitz, Jimmy Newcomb, Archie Glass,
Emerson Phillips, L.C. Moore
A+ Back-To-School Loan
With the rising cost of tuition, it’s becoming increasingly
difficult for many consumers to finance education costs.
Thankfully, when financial aid, scholarships and federal
loans are not enough to cover the full cost of tuition, URW
Community FCU is here to help.
Our Back-To-School Loan can help you finance tuition as well as other costs
associated with attending college, including books and room and board. Give
us a call or stop by the Credit Union for more information.
If you’re like many Americans in these trying economic
times, finding the money to fund a family vacation may
prove a bit difficult. Thankfully, with the help of a Vacation
Loan from URW, you can still get your family on the
vacation of your dreams without stressing about the funds.
Up to $3,000 | 12-month term
The John Brown Jazz Orchestra, Alma Shumate, Danville Elks Lodge,
made this such a memorable night!
Vacation Loan Here
Summer Vacation Loan
Special thanks to the Dan River High School ROTC for presenting colors,
all the Gangsters and Flappers that
Get Your
Supervisory Committee
Jerry Harris, Frank Howerton, James Coles,
Juanita Turner, Raymond Parks
Travel Tip…
If your travel plans take you out
of the area, please let us know. We’ll place a note on your
account and take the necessary steps to ensure your funds
are available as you travel. We monitor unusual spending
patterns, and if we see unusual spending within the U.S.
or overseas and don’t know you’re traveling, we may
block your card to prevent potential fraud.
Discounted Area Attraction
Tickets Sold Here
With discount tickets to some of the area’s most popular
attractions, URW Community Federal Credit Union can
help you enjoy the same amount of fun this year, for a
much lower price! See us before you head to the park.
Connect With Us on Facebook! Keeping up with the latest URW Community Federal
Credit Union news is easy. Simply “like” us on Facebook! It’s a great way to learn what’s going on, ask us
questions, and even meet fellow members.
july 2012 • Quarterly Publication
Investing in an Annuity?
70561A0612
How to Make
Sizzling Savings
Your credit union membership is the key to
a wide variety of products and services that
can help you achieve your financial goals by
maximizing your savings. We can help you:
Taylor Doss, Carlton Patterson and
Linwood Saunders.
Congratulations,
Class of 2012!
With free checking accounts, free
debit/ATM cards, free online banking,
and much more, URW Community
FCU has all the services you need for
a secure financial future. So before
you head off to college or embark on
your career, be sure to come see us.
We’ll be happy to help.
URW will be closed in observance
of the following holidays:
Sizzlin’ Hot Summer Rates!
independence day
July 4th
nSet up direct deposit to conveniently
deposit all or part of your paycheck into
a separate savings account.
labor day
September 3rd
July
nRefinance your high-rate loan with one
of our low-rate loans and start saving
instantly by reducing your monthly
payments.
Every Day can be
Bank Transfer Day!
nTake advantage of Summer Skip-A-Pay
and keep your loan payment(s) for
the month of August. Use the cash for
overdue bills, a school wardrobe, or
whatever you like.
On November 5, 2011, tens of thousands of people nationwide took a big, bold stand
against big brash banking practices. They packed up their funds and headed toward
credit unions. Many became new members here at URW Community Federal.
There are plenty of ways
to make the most of your
money. Let us help you
discover them. Stop by
the Credit Union or visit
www.urwfcu.org for more information.
2012
$500 scholarships to eligible URW members.
539 Arnett Boulevard
364 Lowes Drive, Suite H
142 S Main Street
1901 Goodyear Boulevard
701 Broad Street
Danville, VA
maintain your current contact information in case we need to contact you regarding
your accounts. If you’ve moved, changed your phone number or email address, or
need to update your beneficiary information, please take a moment to let us know.
If you already have a loan here at URW Community FCU, good for you—you’re
saving money with our great low rates. If you already have our checking account,
congratulations—you’ve chosen a fee-free account full of features. You’re already
familiar with many of the convenient services we offer our members, but did you know
you can combine them to create an unbeatable team of financial services?
n
Low-Rate Loan + Direct Deposit = The opportunity to save money by refinancing
high-rate loans with one of our many low-rate loan options. Plus, never miss a
payment when you schedule automatic payments through Direct Deposit.
n
Checking Account + ATM/Debit Card = Fee-free checking services, plus the
additional benefit of accessing your money anytime, anywhere.
n
Online Banking + Online Bill Pay = Easy access and management of your credit
union accounts as well as the ability to schedule one-time or recurring bill
payments.
n
Christmas Club Account + Automatic Transfers = A convenient way to save for the
holiday season with automatic transfers set up to deposit money weekly or monthly.
Stop by the Credit Union to discover all the ways our services can be combined to
better serve your financial needs.
Scholarship
Winners
Each Year, URW Community Federal awards six
We’d Like to Know… As your financial institution, it is important for us to
Combine Credit Union Services
for Ultimate Convenience
2012
President’s Message
Local Phone:434-793-1278
To qualify, you must be a URW Community
Federal member in good standing and be
applying to an accredited undergraduate
program at a four-year college, university
or vocational/technical institution with a
minimum of 12-hour credits during the fall
semester. Scholarships are awarded at the
Annual Credit Union Business Meeting. Toll Free: 866-879-6328
URW Community Federal Credit Union would
Fax: 434-799-0949
like to congratulate this year’s winners, Jessica
Teller Talk: 877-793-5831
www.urwfcu.org
Edited by Cheryl Doss
Webster and Shundreyon Brooks of Dan River
High School; Alister Stepehns-Pickeral and
Megan Carter of George Washington High
School; and Tiffany McGregor and Amitie
Hylton of Tunstall High School.
This got me thinking. What’s in a day? Favorable rates, fair practices and great
attitudes are fashionable 24/7 here at your credit union. ANY day is the perfect
day to switch. EVERY day makes sense to upgrade one’s financial experience.
And so, I’m turning to you, our members. Why not tell your friends, colleagues,
co-workers and family to join the fun (and funds)? Let them know how cool it
is to bask in better products, rates and services, along with exclusive member
benefits. Tell them about the surcharge-free ATMs, and the ability to call and
actually talk to a real human being! Remind them that their money will be
federally insured, so there’s no downside. It’s all good, win-win wonderful!
The credit union movement has never had more momentum. Let’s keep it alive! The
more members we have, the more we’ll all benefit. As a not-for-profit organization,
we plow any profits back into dividends, lower APRs and increased benefits.
Let’s not name “One Day” Bank Transfer Day. Let’s declare Every Day, Any
Day, and especially Today the day. Tell folks! Spread the people helping
people credit union word and have them experience the URW Difference for
themselves. They’ll thank you!
Cheryl Doss
President/CEO
We would also like to thank the members of our
Scholarship Committee, Archie Glass, Emerson
Phillips, Ted Fitz, Jimmy Newcomb, L.C.
Moore, Suzie Bohannon, and Sherry Smith. Scan this QR code with a reader app on your
smartphone to instantly go to www.urwfcu.org.
Federally insured by NCUA.
©CUAdvantage.com • 877.799.0784
A q u a r t e r l y p u b l i c a t i o n o f UR W C o m m u n i t y F e d e r a l C r e d i t U n i o n july 2012
www.urwfcu.org
Congratulations to the winners of
our Texas Hold ‘Em tournament:
URW News
Holiday Closings
Make it a Summer Full of Savings
With a Credit Union Loan
URW Community Federal Credit Union is beating out the competition with loans
that surpass them all! Our low, competitive rates and flexible terms are sending
members home with monthly payments that are simply more affordable.
Auto Loans | Boat Loans | Motorcycle Loans
RV Loans | Home Equity Loans | VISA Credit Cards
Whatever your financing needs, turn to URW to help you save.
A q u a r t e r l y p u b l i c a t i o n o f UR W C o m m u n i t y F e d e r a l C r e d i t U n i o n www.urwfcu.org