newsletter - Cross Valley Federal Credit Union

the
Crossings
Crossings
THE NEWSLETTER OF CROSS V
VALLEY
ALLEY FEDERAL CREDIT UNION
WINTER 2015
inside this issue
Shop for your
Dream Car
High School Seniors
Apply for our Scholarship
CROSS VALLEY FCU IS EXCITED TO ANNOUNCE THE LAUNCH OF THEIR
NEW
Cross Valley
Signature Loan
WEBSITE AND HOME BANKING
SYSTEM THIS MARCH!
2015 is off to an exciting start at Cross Valley FCU! This March we will be launching our new website and home banking platform!
The launch of the new website, which will offer quick and easy access to essential information, will also feature a clean
uncluttered design, improved functionality and enhanced content focused on Cross Valley FCU’s mission to provide our members
with “solutions for your financial life!”.
As part of this new launch, Cross Valley FCU will also unveil an innovative and improved online banking system complete with
new products and security features to make home banking more efficient, secure and user friendly.
2015 Scottie
Saver Challenge
Cross Valley FCU’s new online banking platform, which will continue to be called eVirtual Branch, will deliver improved service to
members by providing enhanced security features such as individualized challenge questions that will confirm the user’s identity
with a more comprehensive registration process. The most advanced and remarkable feature that Cross Valley FCU’s online
banking system will incorporate will be an advanced ePay capability. By using our new ePay members will be able to pay bills
effortlessly while tracking spending habits to meet their financial goals, and even access a new feature called Popmoney® (please
see ITs Bit article in this newsletter!).
At Cross Valley FCU it is our goal to improve efficiency and accessibility to our services for our members. With this online project
to launch in March, we are invested in keeping up with the need for technological advancements. By offering mobile banking
and online banking solutions members will have access to their money and banking needs virtually anywhere.
Please be sure to visit www.crossvalleyfcu.org for additional information and most importantly for
instructions on how to re-enroll in this new home banking system.
IT’S BITS
INFORMATION
TECHNOLOGY TIPS & ALERTS.
Have you heard the news? Beginning in March Cross Valley FCU will offer
Popmoney®, a personal payment service that allows you to send money electronically. All you need is
the recipient’s name and email address or mobile telephone number.
Email it. Text it. Pay people with Popmoney.
Send money from your checking or savings account.
Popmoney is an innovative personal payment service that
eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting.
What it is
The Popmoney® personal payment service lets you send money to friends, family or almost anyone. All you need is their name
and email address or mobile telephone number to move money from your bank account to theirs.
How it works
Popmoney allows you to send and receive money from Online Banking. You can send money to your contacts, who will be
notified by email or text message that you wish to send money to them. You and your contacts will never need to exchange
financial account information.
What you can use it for
Popmoney is easy and convenient for you and the people you send money to. Users can simply receive money in their eligible
account online at their bank (if it’s a member of the Popmoney network), or at Popmoney.com, saving them a trip to the bank.
Use Popmoney to:
•
•
•
•
•
Send money to your child at college
Send a gift to family and friends
Pay back friends for a fun outing
Pay your babysitter or lawn care service
Pay rent to your landlord or roommates
Terms and conditions apply.
Learn more today www.crossvalleyfcu.org!
© 2012 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv is a registered trademark of Fiserv, Inc. Other products referenced in this material may be trademarks or registered trademarks of their respective companies.
DREAM CAR.
DREAM LOAN.
ASKAUTO™ APP.
Shopping for a car can be a complicated, stressful experience. What if you could find help to make the process easier?
Now you can, with our new AskAuto app for your smartphone or tablet.
The AskAuto app is a powerful research and lending tool that can help you shop for your dream car and apply for a
great loan through Cross Valley Federal Credit Union.
The app is easy to use. Let’s say you’re out shopping for vehicles on Sunday afternoon and see three cars that you like.
Simply scan the VINs into your mobile device to get the average retail cost, EPA mileage estimates and make notes
about each vehicle. The AskAuto app saves the information so you can compare later.
While you’re on the lot, we can even send you messages about available loans or dealerships we have good
partnerships with – giving you good, trustworthy information right when you need it.
Once you’ve decided on your car, apply for your loan anytime, anywhere using your smartphone or mobile device. Just
scan your driver’s license* and let the AskAuto app do most of the work for you. Your loan application will prefill your
personal information and the vehicle information you saved earlier.
With the AskAuto app, you’ll stay organized, save time and have information to make an informed purchase right at
your fingertips.
Want to take the AskAuto app for a spin? Download today at http://askauto.loanliner.com/market. Be sure to select
Cross Valley Federal Credit Union on the app’s startup screen.
*Driver’s license scan not available in all states.
© CUNA Mutual Group 2013. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.
TELL US WHERE YOU WANT TO GO.
WE’LL HELP YOU GET THERE.
A Message from MEMBERS Financial Services
Perhaps you’re just starting out, beginning to build the foundation for your future. Or maybe you’re an empty
nester, with the newfound freedom to travel and pursue lifelong dreams. Or you might be nearing or at
retirement, hoping to maintain a comfortable lifestyle while ensuring you won’t outlive your assets.
Whatever your stage of life, James H. Van Wert Jr., CFP®, and Trey Van Wert, the MEMBERS Financial Services
Representatives serving Cross Valley FCU, can help, with top-notch financial and investment advice and a full
spectrum of investment tools and options designed to help you achieve your dreams.
Jim and Trey have the depth of knowledge and the breadth of experience to help you get where you want to go.
From a full range of offerings, they will help you choose the investment options that will help you best reach your
financial goals.
At Cross Valley FCU, we’ve built a wealth of trust with you. Now, trust us and the MEMBERS team to help you build
your wealth. To arrange a no-cost, no-obligation meeting, simply call 570.208.4520.
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a
registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make
securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution
Guarantee. Not a deposit of any financial institution.
COURTESY
PAY!
Cross Valley FCU understands that mistakes can sometimes happen when using your checking account that may
cause you to become overdrawn. Effective January 2015,
you can opt-in to enjoy the benefits of Courtesy Pay.
Courtesy Pay is a safety net to protect against life’s every day unexpected occurrences and
emergencies. It provides you the with the security and peace of mind of knowing your transaction
will be processed, not returned for insufficient funds, and it prevents you from being charged any
additional fees by a merchant.
Have you ever written a check and later realized you didn’t have sufficient funds in
your account to cover it? Of course, that’s why Cross Valley FCU offers Courtesy Pay.
Here’s how this service works:
• Courtesy Pay covers overdraws on your checking account up to $500, (including the per
item Courtesy Pay fee).
• This is not a loan and therefore you will not need to complete and application.
• If you’ve already signed up for Overdraft Protection Transfer, funds will first be
transferred from the account you’ve designated to cover the overdraft. If sufficient
funds aren’t available in that account, or if the transfer isn’t enough, the overdraft
will be paid through Courtesy Pay.
• After the overdraft is paid, you must make a deposit within 30 days to bring your
checking account into positive balance.
• Courtesy Pay is based on a tiered fee structure. Please check the Fees on our
website for details.
Courtesy Pay is available on personal checking accounts only. It covers overdrafts from ACH, draft or
check posting, ATM/Debit transactions, including Point of Sale; or teller line transactions done on the
account. Please note that Cross Valley FCU reserves the right to reject overdrafts against any account until
it can verify the account is being maintained in good standing. Certain restrictions apply. For additional
information or to opt-in to the program, visit any Cross Valley FCU branch or call (570) 823-6836.
y
Teach Your Kids to
Reach Their
Dreams!
Make Savings
Their Goal by Pledging
To Take Part In The 2015
Scottie Saver Challenge!
You teach your kids to eat right, exercise, and wear a bicycle helmet.
But do you teach them to save?
Saving nourishes dreams.
Saving strengthens self-discipline.
Saving protects the future.
Teach your kids to put income aside today for tomorrow’s goals. Help them grow strong and healthy with a credit
union Scottie Savers savings account.
During last year’s Challenge, Scottie Saver’s on average saved $233 each!!! That’s incredible!
For this year’s Challenge Scottie Saver has once again teamed up with WBS Penguins, The
Red Robin and Rita’s Italian Ice to help our youngest members realize that saving can be
beneficial and fun!
Stop in any Cross Valley FCU branch or call today to learn more and make your
pledge today! Watch for details online at www.crossvalleyfcu.org and
.
AFFORDABLE HEALTH INSURANCE MADE EASY
Let the TruStage Health Insurance Program simplify your search. Learn more today!
With your membership, the TruStage Health Insurance Program makes it simple to find the right plan for you.
TruStage Health Insurance Program
• Designed for credit union members
• Dedicated experts to help you understand and choose
for affordable
health coverage wisely
Designed for credit union members
Enroll
• Tools to compare plans and identify financial assistance
With the TruStage Health insurance Program and GoHealth, you
Enroll online
have access to experts and tools to help you understand the new
or by phone
Online or over the phone, TruStage Health Insurance
law and find the best value.
Program with GoHealth, gives you access to licensed
• Open enrollment • You may be eligible • The Affordable Care Act
TruStageHealth.com
agents who can help you make an informed decision.
ends February 15
for financial
requires health coverage for
Simplify your search
health insurance
Find Your Plan! Visit TruStageHealth.
com or call toll-free 1-888-416-2166.
assistance
nearly every American
C a l l to l l - f re e
1- 8 8 8 - 416 - 216 6
The TruStage™ Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth
LLC. GoHealth LLC is licensed to sell nationwide and operates in all states with the exception of Massachusetts, Hawaii,
Vermont and Rhode Island. © TruStage, 2014 All Rights Reserved.
TSH-995478.1-0814-0916
The TruStage™ Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth LLC. GoHealth LLC is licensed to sell nationwide and operates in all
states with the exception of Massachusetts, Hawaii, Vermont and Rhode Island. TruStage Insurance Agency, 2014 All Rights Reserved.
TSH-995489.1-0814-0916
IS YOUR RESOLUTION TO
SAVE THIS NEW YEAR?
Let us get you started! Cross Valley FCU’s Signature Loan Special enables you to borrow
up $2500 for up to 24 months for annual percentage rates as low as 6.99%. If you’re
planning to pay down high interest debt or youre simply looking to buy something
special to kick off 2015- Cross Valley’s loan special is for YOU! Let the savings begin!
Rates as low as 6.99%*
for up to a 24 month term.
*APR=Annual Percentage Rate. Membership requirements apply. Rates shown are for qualified borrowers who meet certain
credit criteria. Rates and terms subject to change without notice. Other rates and terms available. Repayment for rate shown
in as many as 24 monthly payments of $44.78 per $1000.00 borrowed. Contact the credit union for full loan details. Main
Office: 640 Baltimore Drive, WB PA 18702.
Apply today! Visit www.crossvalleyfcu.org or call 570.823.6836!
Cross Valley Federal Credit
Union recently held its annual
Scottie Saver Holiday Party
at Cross Valley FCU’s Main
Branch. Scottie Savers and
their families celebrated the
afternoon with Santa Claus,
Scottie, the Cross Valley FCU
mascot, and special guest, TUX
from the Wilkes-Barre/Scranton
Penguins. After enjoying many
delicious treats and receiving
some holiday surprises, the
children had an opportunity to
have their pictures taken with
Santa and his special Cross
Valley FCU helpers.
Scottie Savers is just one of
Cross Valley FCU’s two financial
literacy programs. This
particular program encourages
children ages 3-12 years to
learn the basics of saving and
instills in them healthy money
management habits.
CALLING ALL GRADUATING HIGH SCHOOL SENIORS!
As a member of Cross Valley FCU’s Executive Student Program (E.S.P.) you have an opportunity to benefit from many credit union services including a
chance to receive one of six (6) $500 college scholarships to be awarded to graduating high school seniors this year!
ESP is available to our members and includes a Savings Account, Share Draft/Checking Account, VISA* Check Card, Loan Applications, Student Loan
application, our $5.00 Good Student Award, and scholarship opportunities.
To be eligible for one of the six $500 scholarships you must:
 Volunteer at either:
• the American Heart Association’s Walk Sat., April 25 2015 - Nay Aug park, Scranton (Lackawanna County)
• the American Heart Association’s Walk Sat., May 30, 2015 – Kirby Park, Wilkes Barre (Luzerne County)
• or are planning to volunteer at Youth Day 2014 scheduled for Saturday, August 1, 2015 (Main Branch).
 Be an ESP member of the Cross Valley FCU on or before Thursday, August 6, 2015.
 Have at least a 3.0 Grade Point Average.
 Be a graduating high school senior this year.
 Be accepted at an accredited 2 or 4-year college.
 Return the scholarship form, with high school transcripts and a college acceptance letter, by the
close of business Thursday, August 6, 2015.
 Be a member in good standing at the time of the drawing.
Selection will be by a random drawing on Monday, August 10, 2015, at the credit union’s main office,
640 Baltimore Drive, Wilkes-Barre, PA. The recipient winners will be notified by mail.
CVFCU employees, officers, directors, and their family members are not eligible for this contest. All decisions by
the judges are final. Winners of the contest will agree to allow Cross Valley FCU to print their names and use their
pictures for promotional purposes. Void where prohibited by law.
Name:___________________________________________________ Account #: ________________________________________________
Address: _________________________________________________ City/State/Zip: _____________________________________________
Volunteer Event: ___________________________________________ Daytime Phone #: ___________________________________________
By signing this application, I state that I agree to the terms of this scholarship if I should win.
Signature/Date: ____________________________________________________________________________________________________
P.O. Box 597, Wilkes-Barre, PA 18703
MESSAGE FROM THE BOARD
The Nominating Committee has considered the petitions for
nomination and has nominated the following members for
open positions on the Board of Directors. The nominees are:
Anthony Dombroski- a member of the credit union for over
thirty-five years, a member of the Supervisory Committee for thirtyone years, and a member of the Board of Directors since 2006.
Upon used vehicle purchase from Enterprise Car Sales.
Jan 1 – Jan 31, 2015
Thaddeus Prekel- a member of the credit union since 1993,
and a member of the Board of Directors since 2006.
Leonard V. Shimko- a member of the credit union since 1969,
and a member of the Board of Directors and first Board Treasurer
since 1969. Mr. Shimko also served for over forty years as Cross
Valley FCU’s President and CEO.
Other nominations may be made by obtaining a “Nominations Form”
from the credit union. The form must be signed by at least 1% (235)
of the current membership of the credit union which is 23,517. Before
obtaining a nomination form, we ask that you present a formal
resume form. Those interested in receiving a resume form, may
contact our Main Office (570) 823-6836.
• 12-MONTH/12,000 MILE LIMITED
POWERTRAIN WARRANTY.*
• Vehicle certification.
• 12-MONTH ROADSIDE ASSISTANCE.**
• free carfax® REPORTS.
• 7-Day repurchase agreement.*
And, you’ll never have to
haggle about prices.
Contact your credit union to get pre-approved today!
Preview our great selection of quality used vehicles or find the nearest Enterprise Car Sales location at
cuautodeals.com
Your Community Credit Union
The completed form must be returned to the credit union office at
640 Baltimore Drive, Wilkes Barre, PA 18702, no later than 3:00 PM on
Friday, March 13, 2015.
This year the annual meeting is scheduled for
Monday, April 13, 2015 at 5:00 PM at the Main Office,
640 Baltimore Drive, Wilkes Barre, PA 18702.
1: Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2013 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the
vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. If a Kelley Blue Book Trade-In Value is not available for customer’s vehicle, Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of
$500 is available only on passenger vehicles and light duty trucks with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide
required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited
including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA and Washington D.C. Offer valid 01/01/15-01/31/15. No cash advances. Cannot be combined with any other offers. Used vehicles are previously part of Enterprise short-term rental and lease fleet or
purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.
*Restrictions apply. For details, see an Enterprise Car Sales Manager. **Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. The
“e” logo, Enterprise, “The Perfect Used Car Package” and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2014 Enterprise Car Sales.
BOARD OF DIRECTORS
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Federally
Insured By
NCUA
Richard Shields, Chairman
Joseph J. Shimko, Vice Chairman
Al J. Baloga, Secretary
Leonard V. Shimko, CCUE, Treasurer
Ted Prekel • Anthony Dombroski • Jeff Stewart
MAIN OFFICE*
640 Baltimore Drive • Wilkes-Barre, PA
(570) 823-6836 • (800) 548-2849
Office Hours:
Mon. Tues. Thurs.: 8:30 am to 4:30 pm
Wed: 9:30 to 4:30 pm
Fri: 8:30 am to 5:30 pm
Sat: 9:00 am to 12:00 pm
SHERMAN STREET BRANCH*
280 North Sherman St. • Wilkes-Barre, PA
(570) 823-6836
Office Hours:
Mon. Tues. Thurs.: 8:30 am to 4:30 pm
Wed: 9:30 to 4:30 pm
Fri: 8:30 am – 5:30 pm
Sat: 9:00 am – 1:00 pm
MAIN OFFICE MAILING ADDRESS
P.O. Box 597 • Wilkes-Barre, PA 18703
FORTY FORT BRANCH*
1181 Wyoming Avenue • Forty Fort, PA
(570) 823-6836
Office Hours:
Mon. Tues. Thurs.: 8:30 am to 4:30 pm
Wed: 9:30 to 4:30 pm
Fri: 8:30 am – 5:30 pm
Sat.: 9:00 am – 12:00 pm
HAZLETON BRANCH
240 Laurel Mall • Hazle Twp., PA
(570) 450-5192 • (570) 450-6292
Office Hours: M – Th: 9:30 am – 5:30 pm
Fri: 9:30 am – 6:30 pm
Closed Daily for Lunch 1:30–2:00p.m.
Sat: CLOSED
DALLAS BRANCH
Dallas Village Shopping Center,
Memorial Hwy., Dallas, PA
(570) 823-6836
Office Hours:
Mon. Tues. Thurs.: 8:30 am to 4:30 pm
Wed: 9:30 to 4:30 pm
Fri: 8:30 am to 5:30 pm
Closed Daily for Lunch 1:30–2:00p.m.
Sat: CLOSED
MOUNTAINTOP BRANCH
113 S. Main Road, Mountaintop, PA
(570) 474-6633
Office Hours:
Mon. Tues. Thurs.: 8:30 am to 4:30 pm
Wed: 9:30 to 4:30 pm
Fri: 8:30 am to 5:30 pm
Closed Daily for Lunch 1:30–2:00p.m.
Sat: CLOSED
WEST SCRANTON BRANCH*
815 Smith Street • Scranton, PA
(570) 823-6836
Office Hours:
Mon. Tues. Thurs.: 8:30 am to 4:30 pm
Wed: 9:30 to 4:30 pm
Fri: 8:30 am to 5:30 pm
Closed Daily for Lunch 1:30–2:00p.m.
Sat: CLOSED
PITTSTON BRANCH*
Pittston Crossings, Hwy. 315, Pittston, PA
(570) 823-6836
Office Hours:
Mon. Tues. Thurs.: 8:30 am to 4:30 pm
Wed: 9:30 to 4:30 pm
Fri: 8:30 am to 5:30 pm
Closed Daily for Lunch 1:30–2:00p.m.
Sat: CLOSED
e-mail: msr2@crossvalleyfcu.org
Internet: www.crossvalleyfcu.org
*Drive-up hours are the same as office hours.
ABA# 2313-8688-1