possibilities - Ascend Federal Credit Union

possibilities
Published by Ascend Federal Credit Union
We’ve Got
You Covered
wi n t e r
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2 0 1 5
quick reads
mortgage promo
Equity promo
expedited payment
scholarship
Annual Meeting & Election
Raising Possibilities
Mortgage Promo
Quick Reads
Current Promotions
From the
President&CEO
Caren C. Gabriel
Happy New Year!
Now – March 31
Credit Card Promo
e-statement Promo
Now – June 30
Mortgage Promo
upcoming Promotion
I hope you and your family
had a great holiday.
Feb. 1 – April 30
Equity Promo
We’re kicking off 2015 with some very exciting promos. Members have an opportunity to have the credit union pay their
Ascend Visa balance, pay their mortgage payments for one
year, and win a new HDTV. And Feb. 1 through April 30, members can take advantage of our equity promo for big projects,
debt consolidation and more. Credit cards, mortgage loans,
e-statements, equity loans – we have great products, and we
want you to use them. Details for each promo can be found in
this issue of Possibilities.
TurboTax
It’s time to begin thinking about filing your taxes. Have you
tried TurboTax? We offer a discount on the various TurboTax
products, and you can access them within E-BRANCH. Each
one walks you step by step through filing your taxes and helps
you maximize your return.
Are you or a member of your family enrolled or preparing to
enroll in an accredited college, university, technical, or trade
school this year? Be sure to apply for the Ascend Federal Credit
Union Scholarship before March 5.
You belong to a truly different financial institution. One of the
major differentiators between Ascend and our competition is
our volunteer, unpaid Board of Directors. We invite you to join
us at 1 p.m., Saturday, March 28 at our Corporate Headquarters in Tullahoma for the 64th Annual Meeting and Election.
Meet the Board and join fellow members in celebrating our
cooperative spirit!
I’m excited to announce that we’re building a new, fully-branded Murfreesboro-Clark Boulevard financial center this year.
The new facility will be located exactly where the existing facility is now. And don’t worry about access while we’re building the new financial center; we’re temporarily moving across
the street to 1282 NW Broad St. We hope to be finished with
construction this September.
We’re gearing up for another great year of offering you the best
products with the best service to help you raise your possibilities. Thank you for your membership!
2
fall 2014
We’ve Got
You Covered
All the guidance you need to get your
maximum refund is just a click away
with TurboTax! Visit ascendfcu.org.
$1,000 Scholarship
Apply for the Ascend Federal Credit
Union Scholarship
Deadline is March 5, 2015. Visit
ascendfcu.org for complete details.
Annual Meeting and Election
Join us for the 64th Annual Meeting and
Election scheduled for 1 p.m., Saturday,
March 28, in the Apollo 11 Meeting Room
at Ascend’s Corporate Headquarters at
520 Airpark Drive in Tullahoma.
2014 Annual report
Copies of the 2014 Annual Report will be
available at all Ascend financial centers
the week of March 2. A downloadable copy
will also be available at ascendfcu.org.
Facilities Update
Murfreesboro members, you’re getting a
brand new financial center at 1250 W.
Clark Blvd.! In the meantime, please
visit our temporary facility across the
street at 1282 NW Broad St.
Delivery Rate INcrease
Ascend has been notified by our check
vendor that effective Jan. 4, 2015, rates
for Ground and Expedited delivery of consumer and business products will increase
5.5 percent. Delivery rates for products
shipping via the U.S. Postal Service are
not affected by this increase.
If you didn’t have to make mortgage payments for one year,
what would you do with the money?
Would you boost your savings? Splurge on something fun? A little of both?
One lucky member will have this delightful dilemma. Now through June 30, everyone paying an
Ascend mortgage will automatically be entered for a chance to have the credit union pay his or her
mortgage payments for one year.*
Feel at home with an Ascend mortgage. We offer a variety of rates and terms on fixed and adjustable
rate options. Pre-approval is available to increase your buying power. Plus, a mortgage increases your
loyalty with the credit union. That means if a member return is offered this year, you’ll get a larger loan
interest refund.
Get a mortgage you can live with and a shot at skipping payments for a year. Apply online at
ascendfcu.org, call 800-342-3086 or visit your nearest Ascend financial center.
*Mortgage payments not to exceed $10,000. No purchase necessary to register or win. Registration forms will be available
inside the financial centers now through June 30, 2015. If a member without an Ascend mortgage or a non member is the winner, he or she will receive an award equal in value. See official rules in a financial center for complete details. Ascend Federal
Credit Union employees, officials, and any of their family members are not eligible to enter the drawing.
Does your tv
make a statement?
What does the condition of your TV and electronic monthly
statements have in common? PLENTY.
Now through March 31, everyone who registers for e-statements from Ascend will be entered into
a drawing for a chance to win a new HDTV.*
get the picture?
An e-statement is a free, secure and environmentally friendly way to receive your monthly statement.
It’s located within password-protected E-BRANCH. Every month, you’ll receive an email letting
you know your e-statement is ready to view. Then you simply log into E-BRANCH and download
your e-statement to print or digitally store.
Register for e-statements by logging into E-BRANCH and selecting “Additional Services” then
“Online Statements.” Read the disclosure and click if you accept. When your e-statement is ready,
you’ll receive an email.
Simplify the way you receive your monthly statement and get a shot at upgrading your TV by
registering for e-statements!
*One high definition television will be awarded. No purchase necessary to register or win. Registration forms will be available
inside the financial centers now through March 31, 2015. Ascend Federal Credit Union employees, officials, and any of their family members are not eligible to enter the drawing.
Funding a renovation project, consolidating debt or taking
a dream vacation is easy with Ascend’s equity promo.
From Feb. 1-April 30, 2015:
1)Borrow up to 95%1 of the equity in your home less the
current first mortgage balance, up to $125,000.
2)Rates as low as 4.00% (4.398% APR)2 for a fixed
36-month term2.
3)A closing cost credit that’s tiered depending on the
amount of your loan:
• 1% of the loan amount for loans $25,000 - $49,000
• 2% of the loan amount for loans $50,000 - $99,999
• 3% of the loan amount for loans $100,000 - $125,000
1.The money you need
2.with a fixed low rate
3. and reduced closing costs?
That’s easy!
Apply at ascendfcu.org, by calling
800-342-3086, or at any Ascend
financial center. Consult your tax
advisor on the possible tax advantage of an equity loan.
1) Offer valid Feb. 1-April 30, 2015. Contact Ascend for complete details.
2) The annual percentage rate (APR) you receive will be based on your credit score and the term of the loan. You will be
informed of the APR for which you qualify before you become contractually liable for the loan account. For example, your
monthly payment on a $10,000 loan amount would be $295.24 based on 4.398% APR and a 36-month repayment term.
All loans subject to credit approval. Rates and terms subject to change without notice.
Kiss Your Balance Goodbye
Have a handful of high-rate credit cards? Transfer those balances to
a low-rate Ascend Visa and pay off your debt quicker.
Make your transfer now through March 31 and automatically be
entered for a chance to have your entire Ascend Visa balance paid!1
All Ascend Visas feature no annual fee, no balance transfer fee, no
fee for cash advances, and great low annual percentage rates (APRs):
• As low as 12.90%2 for our Classic Visa.
• As low as 9.50%2 for our Visa Gold.
• 9.50% for our Visa Platinum.
• 9.90% for our Student Visa.
An Ascend Visa can help you kiss your balance goodbye!
Apply online at ascendfcu.org or at your nearest Ascend financial center.
Transaction Fees: 1% foreign transaction fee.
1) Ascend Visa balance not to exceed $10,000. No purchase necessary to register or win. Registration forms will be available
inside the financial centers now through March 31, 2015. If a member without an Ascend Visa or a non member is the winner,
he or she will receive an award equal in value. See official rules in a financial center for complete details. Ascend Federal Credit
Union employees, officials, and any of their family members are not eligible to enter the drawing.
2) Your APR will be based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable. All loans subject to credit approval.
5
Raising Possibilities
e-services
Beware of Online Dating Scams!
Millions of Americans use dating sites, social networking sites, and chat rooms to meet people.
But, scammers also use these sites to meet potential victims. They create fake profiles to build
online relationships, build trust with targeted victims and eventually convince people to send
Ascend Unveils
Expedited Payment
money, which quickly disappears along with the scam artist.
We're pleased to announce a new feature within E-PAY called
expedited payment.
An expedited payment is a next day payment. You pay a small
fee to have your electronic or check payment sent more quickly than the typical three to five business days, respectively.
If an expedited payment is scheduled before the cutoff time of 6:45 p.m. CST, we will be able to deliver the payment
to your payee the following business day.
To use the expedited payment option, you must be logged in through the full Web site at ascendfcu.org (it’s not
available through the app or mobile account access). You must also click on the “E-PAY” link at the top of the page
instead of using the payment widget that looks like a check.
Click on “Options” under the “Payee Name,” which opens a new menu under the payee name. As you will see in the
screenshot, expedited payment is listed as one of the options available on the left side of the screen. Select the payment type – there is a $10 convenience fee for expedited electronic payments and $25 convenience fee for overnight
check payments. After entering the payment amount, click on the “Make payment” button to schedule the payment.
How to Recognize a Scam Artist
What You Can Do About It
The relationship may not be what you
think if you encounter these tactics:
• You’re asked to leave the dating or social
networking site immediately and use personal email or instant messaging (IM)
• Someone you’ve only just met claims
love in a heartbeat
• The new acquaintance claims to be
from the U.S. but is traveling or working overseas
• That individual plans to visit but is
prevented by a traumatic event or a
business deal gone sour
Don’t wire money to cover:
• travel
• medical emergencies
• hotel bills
• hospital bills for a child or other relative
• visas or other official documents
• or losses from a temporary financial setback
Scammers also like to say they’re out of the
country for business or military service.
Don’t send money to tide someone over after
a mugging or robbery, and don’t do anyone
a favor by making an online purchase or forwarding a package to another country. One
request leads to another, and delays and
disappointments will follow. In the end, the
money will be gone along with the person
you thought you knew.
It's that simple. Try it today!
Try TurboTax® Online, Be Entered
into the TurboTax $25K Giveaway
This year, be confident your taxes are done correctly and get a chance to win big!
Try any TurboTax Online product by Feb. 26, 2015, and you’ll be entered for a chance to win
the grand prize of $15,000, or one of ten $1,000 first prizes.
Get started by logging into E-BRANCH at ascendfcu.org.
See TurboTax product guarantees: http://
turbotax.intuit.com/p/yoy/guarantees.jsp
©2014-2015 Intuit Inc. All rights reserved. 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.
6
wi n t e r 2 0 1 5
TurboTax $25K Giveaway. NO PURCHASE
OR FINANCIAL DISCLOSURE NECESSARY.
Open to legal residents of the fifty (50)
United States or the District of Columbia,
18 years of age or older at time of entry.
Void in Puerto Rico and where prohibited
by law. Giveaway ends 2/26/15. Subject
to complete Official Rules and all applicable federal, state and local laws. For
Official Rules including odds of winning,
alternate method of entry, and prize descriptions, visit https://turbotax.intuit.
com/go/sweepstakesrules.
PRIZES: One (1) Grand Prize: A check
for $15,000. Retail value, $15,000. Ten
(10) First Prizes: A check for $1,000. Retail value, $1,000 cash. Maximum retail
value of all prizes is $25,000. The odds
of winning a prize depend upon the total
number of eligible entries received by the
end of the Promotion Period. SPONSOR:
Intuit Inc., 7535 Torrey Santa Fe Road,
SDG-2A-03-22F, Sand Diego, CA, 92129.
Ascend Federal Credit Union employees,
officials, and any of their family members are not eligible to win the grand
prize or the first prizes.
Our New Web Site is
Almost Here! We are anticipating introducing the new design for
our Web site, ascendfcu.org, before the end of the
first quarter of 2015.
We can't wait to share the new layout with you!
be in the know
monumental life gets
a new name
Affinion Benefits Group, LLC, which
administers Ascend’s insurance program, has
announced that Monumental Life Insurance
Company will now be called Transamerica
Premier Life Insurance Company.
Coverage and benefits underwritten by Monumental Life Insurance Company will not be affected. Members were
notified of the name change in December. There are no contract changes, rate changes or billing changes.
Following are some questions and answers regarding the name change:
Q.Why is this change taking place?
A.Transamerica has undertaken a program to merge
Q.How will member inquiries be handled?
A.For more information about the new name, visit
and rename certain of its statutory insurance
companies to further leverage the strength and
distinctiveness of its brand.
www.transamerica.com/plan-administrator/ or call
the Transamerica Premier Life Insurance Company
member services call center number at 1-888-2658791 Monday-Friday, 7 a.m. to 6 p.m. CST.
this conversion?
A.Coverage and benefits underwritten by Monumental Life Insurance Company will not be affected.
When you’re filing your taxes this year, take extra
care to list the exact account where you want your
tax refund deposited. Last year, Ascend saw an
increase of members who input incorrect account
numbers on their tax returns.
$
MICR Number
:264181626|
:
Q.Will rates for supplemental coverage change as a
result of this conversion?
A.Rates for the supplemental coverage will remain
the same.
Q.Do insured members have to sign anything as a
part of this name change?
A.No. The re-branding of Monumental Life Insurance
Company does not require any signature from the
insured member.
.
|
10012345678|
1234
ing? Will this change impact claims processing?
shown on the certificate/policy issued to each
member will be filed with Monument Life/Transamerica Premier Life Insurance Company.
Q.Where do I send my payments?
A.Automatic payments will continue to be processed
as usual. If you are paying via a paper statement, payments on your existing policy should be
returned to the address indicated on your billing
statement. Please make checks payable to the
name indicated on your billing statement.
If the staff of Ascend Federal Credit Union asks you
to provide a photo ID, the request is not meant to
invade your privacy or disrespect you if you are a
long-time member. We are simply complying with
a federal regulation that is designed to protect you
from identity theft and protect the credit union from
being used for criminal activity.
Avoid delays! Before pressing the button on your
tax return this year, double check that you’ve listed
the correct account number for your refund.
Q.How will claims be handled during the re-brandA.Claims incurred on or after the effective date
“In order to prevent the use of the U.S. banking
system in terrorist and other illegal activity, federal regulations require all financial institutions
to obtain, verify, and record identification from all
persons opening new accounts or being added as
signatories to existing accounts. This institution
cannot waive this requirement.” – United States
Department of the Treasury
If you’re expecting a tax refund, direct deposit is
the safest and quickest way to get it. But it only
works if you give the IRS the right account number!
|
Q.What are the benefit changes as a result of
Notice to All Ascend
Federal Credit Union
Members
Important Reminder
If You’re Direct
Depositing Your
Tax Refund
IRS Changes Rollover
Frequency
A new requirement from the IRS will affect how often
members can roll over assets from an IRA into a new
or existing one.
For decades, the IRS allowed one IRA rollover distribution per 12-month period for each IRA someone
owned. Following a U.S. Tax Court ruling, the IRS
now says a taxpayer is limited to one rollover per
12-month period regardless of the number of IRAs
he or she has. An unlimited number of transfers can
still be performed.
Members should consult with a competent tax advisor if they will be rolling over an IRA distribution
this year.
For account transactions, you will be asked for one
form of ID. If you are opening an account or adding someone new to an existing account, you will
be asked for a photo ID as well as other information
that will allow us to identify you. Required information that must be obtained includes:
•
•
•
•
•
Name
Mailing address
Residence address (if different than the mailing address)
Social Security Number or Tax Identification Number
Date of birth
Individuals opening accounts for minors must provide ID for themselves and a Social Security card
for the child.
The USA Patriot Act requires the credit union to
maintain records of the verification and update
the information.
Confidentiality of this information will be maintained as required under the Privacy Act and all
other applicable laws and regulations.
9
Raising Possibilities
w e a lt h m a n a g e m e n t
A Message from Ascend Retirement
and Investment Services*
Apply for the Ascend FCU
Scholarship Before March 5
For the thirteenth consecutive year, we will be helping our members
continue their education with the Ascend Federal Credit Union
Scholarship Program.
We are once again offering twelve $1,000 non-recurring scholarships to members to help them continue their education at an accredited college, university, technical, or trade school. Like last year, the scholarship awards will be
divided between six traditional and six non-traditional students. Previous Ascend scholarship winners may reapply
if they meet the program requirements.
For complete details and to access the application, visit ascendfcu.org.
Deadline for applications is March 5, 2015.
All family members of Ascend Federal Credit Union’s officials and employees
are excluded from eli­gibility.
$1000
Shift into a New Gear for
the New Year
If you’re a “preferred customer” at your local repair shop, it’s time to get a new car.
Are You on the Right
Road to Retirement?
Take your current retirement plan
for a test drive and find out.
Test-drive your retirement income plan at no cost and no obligation!
Contact an Ascend Retirement and Investment Services* representative to find out if your plan has the green light or if it’s time to
take a new direction.
You might think you can’t afford a new (or new-to-you) vehicle, but Ascend can help.
We have rates as low as 2.60% APR1,3 for new vehicles or 2.85% APR1,3 for used vehicles and
no payments for 90 days.2,3 Plus, qualified members can finance auto loans up to 84 months.4
Apply online at ascendfcu.org, visit your nearest Ascend financial center, or apply directly
at a participating dealership.
1) All loans are subject to credit approval. The annual percentage rate (APR) you receive will be based on your credit score and the
term you select. You will be informed of the APR for which you qualify before you become contractually liable for the loan account.
The quoted APRs are based on a 60-month repayment term, use of Ascend’s Freedom Card, and authorization of payment through
payroll deduction, direct deposit or as an ACH payment.
2) To qualify for no payments for 90 days, you must select a repayment term of 60 months or less.
3) Your monthly payment on a $30,000 loan amount and a 60-month term would be $534.00 based on 2.60% APR and $537.32
based on 2.85% APR.
4) The 84-month term is only available on loan amounts of $30,000 or more. Your monthly payment on a $40,000 loan amount and
an 84-month term would be $535.12 based on 3.35% APR and $539.66 based on 3.60% APR.
10
winter 2015
Randall W. Harris, CFP®**, ChFC®
931-454-1307
Vice President, Wealth Management
1611 N. Jackson St., Tullahoma, TN 37388
Toll-Free: 800.342.3086, ext. 1307
Kent Hart
931-461-8743
Financial Advisor
1250 W. Clark Blvd., Murfreesboro, TN 37129
Toll-Free: 800.342.3086, ext. 8743PMS 7427
BLACK
Located at: Ascend Federal Credit Union
*Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services,
Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677,
toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk,
may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial
institution, through the financial services program, to make securities available to members.
**The CFP® certification marks are not affiliated with CUNA Brokerage Services, Inc. FR-1082168.1-1214-0117
64
th
Annual Meeting and Election Scheduled
The Nominating Committee for Ascend Federal Credit Union’s Board of Directors has
submitted nominations for four Board seats to be filled in 2015.
Biographical data on nominees Patrick D. Eagan,
Randal J. Braker, James R. Ward, and Mark W. Rigney is included for your information.
Nominations by petition must be submitted to
the secretary of the Board of Directors no later
than 5 p.m. on Monday, Feb. 16, 2015, in order to
qualify. Nominations by petition must be signed
by 1 percent of the membership (minimum of 20
and a maximum of 500 signatures). Biographical
data and a signed “Notice of Willingness to Serve”
must accompany petitions.
Blank petitions and “Willingness to Serve” notices may be obtained by contacting the credit
union’s Marketing Department at 800-342-3086.
In the event no nominating petitions are filed
by the general membership, nominees submitted by the Nominating Committee will be
elected by acclamation. In this case, according to the bylaws, a mail ballot is not required.
Nominations will not be accepted from the
floor at the Annual Meeting if there is at least
one nominee for each position to be filled. The
results of the 2015 Annual Election will be announced at the Annual Meeting scheduled for
1 p.m., Saturday, March 28, in the Apollo 11
Meeting Room at Ascend’s Corporate Headquarters at 520 Airpark Drive in Tullahoma.
join
us
…
Annual Meeting
march 28
1 p.m. // Saturday
Ascend's Corporate Headquarters
patrick (pat) d. eagan
Tullahoma, TN 37388
James (jim) Ward
randal J. Braker
Tullahoma, TN 37388
mark W. Rigney
Manchester, TN 37355
Normandy, TN 37360
Employment:
Employment:
Employment:
Retired, Executive Director, Tennessee Association of School
Supervision and Administration, Nashville, TN,
1994 – 1998
Retired, Director of Instruction, Tullahoma City Schools and
Kingsport City Schools, 1974 – 1994
 Former Principal, East Junior High School, Tullahoma, and
Robinson Jr. High, Kingsport, 1965 – 1974
Education:
 BS, Chemistry/Math/Science, MTSU
 MA, Biology/School Administration, MTSU and UT, Knoxville
 MA plus 60 hours
Experience:
Member Ascend FCU, 36 years
Board of Directors, 1988 – present
›Chairman, 1995 – 1997
› Vice-Chairman, 1993 – 1995
›Secretary, 1991 – 1993
Supervisory Committee, 1983 – 1988
Community Involvement:
Elder, First Presbyterian Church
Tullahoma Kiwanis Club, 1980 – 1992
Sunrise Rotary, 1999 – present
Partners for Healing, former Board of Directors
64th annual meeting
General Manager, Duck River Utility Commission,
1988 – present
Project Engineer, Indiana American Water Corporation,
1981 – 1988
Education:
BS, Civil/Environmental Engineering, Rose-Hulman
Institute of Technology, cum laude, 1981
MS, Business Administration, Indiana University, magna
cum laude, 1987
Experience:
Member Ascend FCU, 27 years
Board of Directors: 2003 – present
› Vice-Chairman, 2005 – 2008
›Chairman, 2008 – 2011
›Secretary, 2012 – 2014
›Treasurer, 2014 – present
Supervisory Committee, 2002 – 2003
Board Development Committee, 2000 – 2002
Community Involvement:
Boy Scouts of America, Boy Scout Leader, 1984 – 1985;
Cub Scout Leader, 1996 – 2002
Duck River Watershed Resources Council, 2002 – present
Emergency Planning Councils, Manchester and
Tullahoma, 1992 – present
Manchester Babe Ruth Baseball League, President,
2005 – 2007
St. Mark Church, Finance Council, 2007 – present
Tennessee Society of Professional Engineers,
State President
Director, Information Technology & Systems, Aerospace
Testing Alliance, 2004 – Present
 VP of Research, Development, & Engineering, Rawlings
Sporting Goods & Worth Inc., 2002 – 2004
 Jacobs Sverdrup, 1986 – 2002
›Branch Manager, Controls, Instrumentation, and
Electrical Engineering & Project Executive, 2001 – 2002
›Manager, Systems Integration, 1995 – 2000
›Software Engineer and project Manager, 1986 – 1995
Education:
MS, University of Tennessee Space Institute, 1992
BS, Tennessee Technological University, 1986
Experience:
Member Ascend FCU, 39 years
Board of Directors, 2014 – present
Board Development Committee, 2013 – 2014
Community Involvement:
Member, Cedar Lane Church of Christ
›Elder, 2014 – present
›Deacon of Teen Development and Oversight, 1995 – 2014
›Chair, Youth Minister Search Committee
›Worship Leader
Board of Directors, College of Computing and Technology,
Lipscomb University, 2013 – present
Manager/Banjo Player, The Rigneys Bluegrass Band,
2008 – present
East Middle School PTO Board Member, 2008 – 2010
Adjunct Faculty Member, Lipscomb University, 2001 – 2002
Registered ISA Instructor, Instrumentation, Systems, and
Automations Society, 1996 – 1997
Employment:
Director of Mission Services, Aerospace Testing Alliance,
Arnold AFB, TN.
United States Air Force, Ret. – 30 years in combat support
and base support activities; squadron commander and
group commander assignments; and major command and
Pentagon staff and leadership assignments.
Education:
Murfreesboro Central High School (1968) – Academic
Achievement Diploma
BA, Economics, University of the South, 1972
MPA, Texas Christian University, 1977
Experience:
Member Ascend FCU, 15 years
Board of Directors, 2013 – present
Supervisory Committee, 2008 – 2014
›Chairman, 2010 – 2014
Board Development Committee, 2003 – 2008
Community Involvement:
Tullahoma Sunrise Rotary Member
University of Tennessee Space Institute Support
Council Member
Member, St. Barnabas Episcopal Church Lay Reader, Outreach Committee Member, and former Vestry Board Member
Past Chairman, Tennessee Valley Aerospace Region
Certifications:
Certified Reliability and Maintenance Professional
National Incident Management System (Incident Command
Certifications)
Credit Union National Association (CUNA)
›Supervisory Committee Certification
› Financial Literacy Certification
13
Raising Possibilities
community
E-PAY
Contest Convinces One Lucky
Member to Pay Everything with E-PAY
It just took paying one bill online to convince member David Robinson
that E-PAY is the best way to pay all his bills.
Last spring, Ascend had a
contest to reimburse the total
amount of one lucky member’s
bills up to $2,000 that were set
up and paid electronically with
E-PAY in June. With one bill,
David was that lucky member.
“My first thought when I got
the call was, ‘Man! Why didn’t
I move everything to Ascend?’”
he said. David and his wife had
been considering moving more
of their financial business to Ascend earlier in the year, and they
had just begun the transition.
“It was a much welcomed and
appreciated surprise,” he said
about having an E-PAY bill reimbursed. “Just in case this contest rolls around again, I have
completed our E-PAY transi-
tion. Everything is now drafted
via E-PAY with a big smile.”
David said he and his wife pay
all of their recurring expenses
through E-PAY.
“The convenience is undeniable,” he said. “I truly appreciate the ease of use; having the
ability to receive bills; set up
auto drafts and reminders; and
having the payment history
readily available.”
He said the learning curve with
E-PAY has been minimal.
“Navigating E-PAY was really
easy,” David said. “Setting up
various payees and scheduling
payments was a breeze as the
system lists most of the utilities,
credit cards and other financial
institutions. All we needed were
the account numbers for our
various payees.”
David said he recommends EPAY to anyone who wants to
conveniently and securely pay
bills online.
“I would encourage anyone
contemplating E-PAY to at least
give it a try,” he said. “I think
they will find E-PAY very user
friendly, and the convenience,
of course, speaks for itself.
“And don’t forget about the mobile app. E-PAY is just as easy
and convenient on my mobile
as it is on my tablet.”
S E G WAY
Simplify
Your Life with
Direct Deposit
Everyday, you’re pulled in many different directions –
work, family, friends, and more. What if there were a way
to make at least one aspect of your hectic life easier?
There is, and it’s called direct deposit. With direct deposit, your paycheck or recurring government check is
deposited directly into your savings or checking account,
which saves you a trip to the credit union. You don’t
have to worry about a lost or stolen check, and you can
monitor your account balance with our mobile app and
E-BRANCH. Best of all, direct deposit is absolutely free.
Ascend welcomes employees and members of the
following groups:
This year, Ascend will raze the financial center at 1250 W. Clark Blvd., Murfreesboro
and construct a new, fully branded facility in its place.
14
Independent Opportunities, Inc. – Columbia,
Nashville and Cookeville
Metro Industrial – McMinnville
Pristine Cleaning and Restoration – Murfreesboro
Christian Chapel Church – Petersburg
Liberty in Christ Church – Murfreesboro
Nashville Zoo
wi n t e r 2 0 1 5
>
Contact a Business Development Officer
today and learn how your company can
partner with Ascend.
Erin Spence
espence@ascendfcu.org
Natalie Hughes
nhughes@ascendfcu.org
Access to safe deposit boxes will be available
beginning Jan. 19. If your safe deposit box is at
Clark Boulevard and you need access to it after
this date, visit a Member Service Representative
at the 750 S. Church St. location.
To prevent service disruptions, plans are being made
to temporarily relocate to a facility virtually across
the street at 1282 NW Broad St.
Here are some important things to keep in mind
when planning your visits to the temporary location:
Business Development
Officers
This year, resolve to simplify your financial life with direct deposit from Ascend. Call 800-342-3086 or visit
your nearest Ascend financial center and ask for this
convenient free service!
Ascend Prepares for New
Murfreesboro-Clark
Boulevard Financial Center
This section of Possibilities keeps you informed about Select Employee Group (SEG) programs, promotions and events.
Welcome New SEGs
Couple payroll deduction with direct deposit, and you
can do things like make saving automatic, or even get a
discount on your Ascend auto loan. In other words, direct
deposit can help you make Ascend your primary (or only)
financial institution, and that helps you get a larger
member return if one is offered at the end of the year.
>
With the exception of safe deposit boxes, the
temporary location will offer members access to
the same services they currently have at Clark
Boulevard, including night deposit, an ATM, a
drive-up, tellers, Member Service Representatives, etc.
All safe deposit boxes will be moved during the
weekend of Jan. 17 into the operations building
behind our financial center at 750 S. Church St.
>
The hours for the financial center and drive-up
will remain the same at the temporary location
as they currently are at Clark Boulevard.
>
The Ascend Retirement and Investment Services
representative will temporarily relocate to the
operations building at 750 S. Church St.
Construction on the new financial center is expected to begin this month and take approximately
eight months.
possibilities
ascendfcu.org
memberservice@ascendfcu.org
Corporate Headquarters
P.O. Box 1210
520 Airpark Drive, Tullahoma, TN 37388
Arnold Air Force Base
452 N. Hap Arnold Drive
Columbia
981 W. James Campbell Blvd.
PRSRT STD
U.S. POSTAGE
Cool Springs
3150 Aspen Grove Drive
PA I D
Franklin County
Lebanon Junction, KY
Permit No. 833
2459 Decherd Blvd.
Lewisburg
1372 Rock Crusher Road
Manchester
1929 McArthur St.
McMinnville
Three Star Mall, 1410 Sparta St.
Murfreesboro
1250 W. Clark Blvd.
750 S. Church St.
4051 Franklin Road
Mt. Juliet
300 Pleasant Grove Road, Suite 510
Nashville
See page 4 for details!
1901 Charlotte Ave.
6800 Charlotte Pike, Suite 104
2600 Elm Hill Pike
Shelbyville
1900 N. Main St.
Federally insured by the NCUA. Membership is limited.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
All loans subject to credit approval. Ascend Federal Credit Union, “Raising Possibilities,” and the Flying-A logo are registered
trademarks of Ascend Federal Credit Union. © 2015 Ascend Federal Credit Union. All Rights Reserved.
Smyrna
769 Nissan Drive
Tullahoma
1611 N. Jackson St.
p.o. box 1210
Tullahoma, TN 37388