Five County CU Donating to End Hunger

Summer 2014
Five County CU Donating to End Hunger
Courtney Lavigne presenting our Ending Hunger donation to Deb
Larrabee, Treasurer of Lisbon Area Christian Outreach. The check
was for $1,450.00 to LACO. They run a food pantry for residents of
Lisbon, Durham and Bowdoin.
This check was presented to Kim Gates, a volunteer with the
Bath Area Food Pantry, with Hillary Barone & Jackie Stilphen.
$700.00 will buy $3,000.00 worth of food, that will go to
anyone needing assistance within their service area.
Party Palooga Schedule of Events 2014
Five County Credit Union is in its 4th year of a partnership with
local company Party Palooga owned by Rob Woodman. Party
Palooga has provided free elaborate face painting and balloon
twisting at many events in Maine throughout the summer festival
season, courtesy of Five County Credit Union. Be sure to stop by the
Five County tent at the next event.
Visit facebook.com/fivecounty for event times and updates.
ROCKLAND LOBSTERFEST - August
TOPSHAM FAIR - August
SKOWHEGAN FAIR - August
SCARBOROUGH SUMMERFEST - August
BRUNSWICK ARTS FEST - August
GREAT FALLS BALLOON FESTIVAL - Lewiston - August
NEW GLOUCESTER COMMUNITY FAIR - August
BIW PICNIC - September
FREEPORT ARTS FEST - September
HOLIDAY AT HADLOCK - December
Relay Recap
Five County is proud to announce that with the last of our Relay
funds turned in, our total raised for this year’s 2014 Relay for
Life comes to $4,464.74. In addition, the Credit Union increased
our corporate sponsorship of this event to $1,500 this year.
Five County Credit Union is well known to the local American
Cancer Society Office for our support of the Brunswick Relay
for Life. This comes from the amount of funds we raise as a
team, the fact that the Finance Committee that counts all of the
donations consists of Five County employees and the corporate
sponsorship that is presented each year. We are proud belonging
to an organization well known for doing such great things in our
community!
Thank you to everyone who participated in this year’s Relay
for Life, whether you helped plan the event, contributed to our
fundraisers or planned one of your own, joined the team and
collected pledges from friends and family, pledged a coworker,
walked at Relay or showed up the night of Relay in support. It
could not have been done without your help and support.
Our affordable Home
Equity Line of Credit, may
be just what you Need.
~ NO Application Fee
~ NO Closing Costs*
~ NO Prepayment Penalties
~ Competitive Rates
Visit MaineLendingExpert.com for
details about credit costs and terms
Call Us Toll-Free at
1-800-750-0959
Ask Us to speak
with a Credit Union
Representative
TODAY!
*All terms and conditions are subject to underwriting criteria, and may not be available
to all borrowers.
Present APR of 3.25% (current as of 12/17/13) will vary with the Wall Street Journal Prime
Lending Rate, based on a margin of 0% to 1.5%. In no event shall the APR exceed 18%.
Federall Insured by NCUA
Leslie Trentalange. (pictured above), paid talent for Five County Credit Union Home Equity
Commercial.
Scrapbooking for Special
Olympics
Join us and learn how to
preserve your photos and
memories in a way that
you will be proud to share!
Rick Roy will be holding
scrapbooking classes on
Saturdays 9:00am to 5:00pm
on Sept. 20, 2014; Oct. 18,
2014; Nov. 22, 2014; Jan. 10, 2015; Feb. 7, 2015; March 21,
2015; April 18, 2015; and May 30, 2015 (subject to change).
Contact Rick Roy by email (rroy@fivecounty.com) to reserve
your table. The cost is $35 per table for each class. Sign up
early and the cost is $30. These classes have been popular and
there are limited tables, so reserve your space early! Make
checks directly payable to “Special Olympics of Maine”,
which may be tax deductible. Supplies will also be available
for purchase with proceeds to benefit the Special Olympics of
Maine. So start organizing those photos and join us for a day of
creating those memories for years to come!
Don’t Get Burned By
Identity Theft This Summer
In preparation for summer rays, you’ve slathered on sunscreen. Okay,
now how about your equally vulnerable personal data? Here are six
low-tech ways to avoid being burned by identity theft this summer.
1. Check your accounts every week for unauthorized transactions.
Whether you use Online Banking or Mobile Banking, scroll through
the transactions. If any of them are unfamiliar, contact us right away.
2. Create a different password for each online account. Thinking up—
and remembering—unique, difficult-to-hack passwords for each account is difficult, but worth the effort.
3. Don’t click on unknown links in an unsolicited email. That goes for
pop-ups and attachments, too. Any of them may hide spy software.
4. Go digital to avoid a paper trail. An account statement in the trash
can reveal your name, address, account number, and purchase patterns, allowing a scammer to fake new transactions that might not trigger a fraud alert. To foil these felons, sign up for electronic statements.
5. Don’t skimp on antivirus software. Staying on top of worldwide
hacker threats takes a big investment of time, skill, and money, so
the best brands aren’t cheap. Ask your computer guru or check online
forums to see what software the pros prefer, and be sure to keep it up
to date.
6. Review your credit report every four months. You can download
a free report once a year from each of the three big credit reporting
bureaus. Be on the lookout for loans or credit cards taken out in your
name, or other people’s delinquencies and defaults posted to your account. The report will explain how to report fraud or errors.
Last, our fraud alert system flags purchases (particularly big ones)
that don’t match your usual pattern, so be sure to keep us posted if
you plan to use your debit or credit card to pay for a hotel in Nome,
Alaska, or buy a pricey home theater. It takes only a few minutes
to call and give us a heads-up. That way, you’ll reduce the risk of
your unusual transaction being declined—and help our fraud software
catch the really bad guys instead.
* “The Best Way to Manage All Your Online Passwords,” The Wall Street Journal, 5/7/14
Shared Branching
Five County is one of 155 Credit Unions in Maine
and among 5,000 nationwide that participates in
shared branching. Shared Branching is a service
designed to provide alternate locations and
extended hours of service to credit union members
who belong to participating credit unions. The
purpose of Shared Branching is that services can
be provided to a member as if the member was
transacting business in the lobby of their own
credit union. Visit mainecreditunions.org/surfatm-locator for a complete list of surcharge-free
ATM’s. Five County has 15 full service branches
across Maine, 9 locations & our call center are
open until 8pm. Come and see us for all of your
financial needs.
No matter where
you’re going, we’ll
meet you there…
Isave money
Helping an Elderly Relative’s
Finances Stay Secure
• LOW Rate - Prime plus 3% for
the life of the balance*
1. Mention your own preparations for the unexpected.
deserve to
with Five County CU Free Visa
Balance Transfer
Ask Us
a
• No Balance Transfer Fees
bout th
is
A significant savings for you! Now is a great time to take
advantage of moving your balances to our VISA card,
consolidating and paying off your debt!
If you have a parent,
other relative, or friend
who lives alone and
is getting on in years,
one of the most caring things you can do
is to open a discussion
about protecting his or
her future financial security. Some tips:
“You know, Chris and I have given each other a power of
attorney in case either of us finds it difficult to handle money
matters in the future. I would have extra peace of mind if I
knew you’d made an arrangement like that, too.”
• Online Account Management
• Open an Account Online, 24/7
2. Don’t talk gloom and doom. Preparing for possible im-
• Local Service with True Convenience
3. Suggest that your loved one meet with an attorney to
Call:
800-750-0959
Click: www.fivecounty.com
Stop By: Visit one of our 9 branches open ‘til 8pm,
4. Assist a loved one who’s worried about running out
Read the Fine Print About this Visa Promotion.
So be brave—and have that conversation soon. Years from now, you
don’t want to regret a missed opportunity to provide someone you
love with the financial serenity they deserve.
It’s Easy, Fast, Secure & Convenient
We’re here when you need us,
in person until 8pm, six days
a week
with 6 other branches open to serve you
*Annual Percentage Rate (APR) for promotional balance transfers made from July 1, 2014 to
Decemner 31, 2014 will vary with the market based on the Prime Rate as published in the Wall
Street Journal, plus a margin of 3.00% for the life of the promotional balance. Present APR of
6.25% is current as of June 9, 2014. This Visa Promo Ends December 31, 2014
Federally Insured By NCUA.
pairment is just part of planning for the future, like having a
will or a health care proxy.
discuss the best way to safeguard her money. One option is for her to grant someone she trusts the power to make
financial decisions on her behalf. This legal power of attorney can be defined as narrowly or as broadly as she wishes.
It’s to be used only if needed, and she can revoke it anytime.
of money. She or he should make an appointment for a financial checkup with a reputable professional. For example,
many members of the National Association of Personal Financial Advisors (www.napfa.org) will conduct a one-time
review for a flat fee of $600 to $1,500.
NEWSLETTER CONTEST
Complete the Sudoku puzzle below and send
in your answers to be entered to win a
$50 CASH PRIZE.
5
2
1
9
9 4
8 1
6
5
7 6
2
6 1
3
6
8
4
5
2
4
7
5 3
Fill in the blank
squares so that
each row, each
column and each
3 x 3 block
contain all of the
digits 1-9.
5
2
TRADITIONAL BRANCH
HOLIDAY CLOSINGS
Labor Day: Closed Saturday, August 31 and
Monday, September 1
Columbus Day: Closed Saturday, October 11 and
Monday, October 13
Veterans Day: Tuesday, November 11
Thanksgiving Day: Thursday, November 27
Christmas Eve: Wednesday, December 24
Open 8:30-12:00
Christmas Day: Thursday, December 25
Name: ____________________________ Phone: ________________________
New Year’s Eve: Wednesday, December 31
Address: _________________________________________________________
Here’s how it works: 1) Entries with the correct responses will be eligible for one $50
cash prize. The winning member will receive funds which will be deposited directly into
their savings account that will be given in conjunction with the Summer 2014 newsletter. 2) Response deadline: October 1, 2014, drawing on October 2, 2014. 3) One entry per
member per issue. 4) Entries can be mailed back, attention: INFORMER, P.O. Box 598, Bath,
Maine 04530, or can be dropped off at any Five County branch.
Congratulations to our most recent winner, Jeff Oehlert from
Rockland!
Federally Insured
by NCUA
Open 8:30-3:00
New Year’s Day: Thursday, January 1, 2015
NOTICE: MEMBER’S CHOICE® Credit Life and Credit
Disability Insurance is voluntary and not required in
order to obtain a loan. If coverage is elected, you have
the right to cancel coverage at any time by contacting
your credit union.
Serving those who live, work or worship in Androscoggin,
Cumberland, Kennebec, Knox, Lincoln, Sagadahoc, Somerset
and Waldo Counties.
Phone Number 1-800-750-0959 (in Maine)
Windham (WalHMart) Lobby Hours Mon-Sat 8:30am–8:00pm
Waterville (WalHMart) Lobby Hours Mon-Sat 8:30am–8:00pm
Topsham Lobby Hours Mon-Sat 9:00am–8:00pm
Drive Up Hours Mon-Sat 8:00am–8:00pm
Skowhegan (WalHMart) Lobby Hours Mon-Sat 8:30am–8:00pm
Scarborough (WalHMart) Lobby Hours Mon-Sat 8:30am–8:00pm
Rockland Lobby Hours Mon-Thu 9:00am–4:00pm • Fri 9:00am–5:00pm
Sat 9:00am –12:00pm Drive Up Hours Mon-Thu 8:00am–4:00pm
Fri 8:00am–5:00pm • Sat 9:00am–12:00pm
Portland Lobby Hours Mon-Fri 9:00am–5:00pm
Lisbon Lobby Hours Mon-Fri 9:00am–4:30pm • Sat 9:00am –12:00pm
Drive Up Hours Mon-Fri 8:00am–5:00pm Sat 9:00am–12:00pm
Lewiston Lobby Hours Mon-Fri 9:00am–4:30pm • Sat 9:00am –12:00pm
Drive Up Hours Mon-Fri 8:00am–5:00pm Sat 9:00am–12:00pm
Falmouth Lobby Hours Mon-Fri 9:00am–4:30pm • Sat 9:00am –12:00pm
Drive Up Hours Mon-Fri 8:00am–5:00pm Sat 9:00am–12:00pm
Brunswick Lobby Hours Mon-Sat 9:00am–8:00pm
Drive Up Hours Mon-Sat 8:00am–8:00pm
Bowdoinham Lobby Hours Mon-Sat 8:30am–8:00pm
Bath Lobby Hours Mon-Fri 9:00am–4:30pm • Sat 9:00am –12:00pm
Drive Up Hours Mon-Fri 8:00am–5:00pm Sat 9:00am–12:00pm
Augusta (WalHMart) Lobby Hours Mon-Sat 8:30am–8:00pm
Auburn (WalHMart) Lobby Hours Mon-Sat 8:30am–8:00pm
Five County Credit Union Locations
PO Box 598, Bath, ME 04530
Farmington, ME
Permit No. 30
PAID
Presort Standard
U.S. Postage





1





            2





  3

 
 
 




             4

            







































5
6

7


© 2011 Farleigh Wada Witt. All rights reserved.
DAC Part 2, PP ▪ June 2011 ▪
1




8




9





           

              





 
 
 
 
 




 

 
 


10




 



 




 
 
 

© 2011 Farleigh Wada Witt. All rights reserved.
DAC Part 2, PP ▪ June 2011 ▪
2