News and Notes - Spojnia Credit Union

SPOJNIA
CREDIT UNION
News and Notes
1006 PITTSTON AVE
SCRANTON, PA 18505
570-344-1513
1-800-724-6352
570-961-5961 (FAX)
WWW.SPOJNIACREDITUNION.ORG
1 S T
Q U A R T E R
2 0 1 3
2013 Annual Meeting
INSIDE THIS
ISSUE:
Door Prize Winners
2
Home Equity Loan
2
Membership Contest
3
Entry Form
Youth Week
3
Annual Privacy Notice
4
Sign up for Spojnia
Credit Union’s
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Register online at
www.spojnia.org to
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special promotions,
rates, office hours
and more.
Spojnia Credit Union has
received the 5 (five) Star
Rating from Bauer Financial,
Inc.. This
award
recognizes
Spojnia
Credit
Union’s
continued
superior performance and
strength. Earning a 5 Star
Rating is, in itself, an outstanding achievement evidence of consistently
sound management, financial
strength and performance.
What a great 2013 Annual Meeting! President Jan Cwikla issued the call to order, Prime Bishop
Anthony Mikovsky gave the Invocation and Manager Karen Rieder welcomed the 41 members and guests
in attendance on March 2, 2013.
Secretary Joan Scheuneman presented the 2012 meeting minutes for
approval. President Cwikla reflected on the current economic environment and
the importance of volunteers to Spojnia Credit Union. Most importantly, he
thanked the members, “your interest and input help guide the direction of the
SCU for the benefit of all its’ members and organizations.”
Vice President John F. Ostroski, Jr., Treasurer John C.
Andrzejewski, III and Director Jacek Grotnik gave their
Members filled the PNCC
reports concerning the current financial status of the credit
library for the annual meeting
union and the plans to achieve our objectives in the coming
year.
Membership Officer Debbie Migliori reported that Spojnia Credit Union membership
Members listening to
stands 1090 strong and recapped our participation in activities and events.
Credit Committee Member Katherine Gnat reported on our loan portfolio of over $4 the SCU Board
million. Supervisory Committee Member Delphine George summarized the audits completed during 2012.
Chairman of the Nominating Committee, Carol Mikovsky, presented the
nominees for election. The election results, as chaired by Edmund Kotula, are
as follows: Board of Directors - Jan S. Cwikla and John F. Ostroski, Jr., Supervisory Committee - Reverend Carmen G. Bolock and Credit Committee Mary Lou Crispino. Each will serve a three year term.
The Most Reverend Emeritus Swantek gave the closing prayer.
With the business of the credit union completed, all in attendance were
treated to a catered buffet. Everyone enjoyed fellowship, numerous door prizes and a special tour of the PNCC Archives
located in the lower level of the PNCC Church
Members listening to Vice President
Jack Ostroski’s presentation of the
Center Building.
history and archives of the PNCC.
John F. Ostroski, Jr., a volunteer member
of the PNCC History and Archives Commission,
explained the history of the various items on display, including the trunk
and the vestments of Prime Bishop Francis Hodur. The Next Annual
Meeting is tentatively scheduled for March 1, 2014
Vice President Jack
and all Spojnia Credit Union Members are invited to attend.
Please see page two for a complete list of door prize winners
and additional pictures.
Ostroski entering
the vault of the
PNCC Archives
The vestments of
Prime Bishop Hodur
2013 Spojnia Credit Union Board of Directors,
Committee Members and Staff
Left to Right: Jacek Grotnik, Joan Scheuneman, Jan
Cwikla, John F. Ostroski, Jr., and John C. Andrzejewski, III
Board of Directors: President—Jan S. Cwikla, Vice President John F. Ostroski, Jr., Secretary - Joan Scheuneman, Treasurer John C. Andrzejewski, III, Director - Jacek Grotnik
Supervisory Committee: Chairperson Edmund Kotula, Maria
Hughes, Father Carmen Bolock
Credit Committee: Chairperson Mary Lou Crispino, Stacey
Crispino, Katherine Gnat
Staff - Manager Karen Rieder, Donna Kolwicz, Debbie Migliori,
Marilyn Donahue
PAGE
Spojnia Credit Union’s
Annual Meeting
List of Door Prize Winners
Spring Cleaning Basket Winners:
Frank Wudarski - Linda Quinn
Dorothy Andrzejewski - Jan Cwikla
Jean Kopcza - Carol Mikovsky
Baking Basket - Irene Jugan
Car Care Basket - Marcy Paranich
Ice Cream Basket - Rosemary Petroski
Gardening Basket - Bonnie Skibinski
Stationery Basket - Jack Ostroski
Monetary Winners:
Cathy Wudarski - Bishop Gnat
Prime Bishop Mikovsky - Jacek Grotnik
Karen Rieder - Cynthia Purda
Dayle Dobroski - Ann Skibinski
Katherine Gnat
Our Members Enjoying the
Annual Meeting
Organization Signature
Loan
Home Equity Loan
Time for Spring Clean-up! Now is
the time to get those projects
completed with a Spojnia Credit
Union Home Equity Loan.
Contact Spojnia Credit Union or visit
the website for a Home Equity Loan Application.
Spojnia Credit Union will loan 85% of the
appraised value of your home,
minus any first mortgage.
$100.00 Application Fee!
No Closing Costs!
5, 10 and 15 year terms!
5 year - 3.00% APR*, 10 year - 3.75% APR*
Call for 15 year rate.
2
This loan is available to all parishes of the Polish National Catholic
Church and other non-profit organizations associated with the
Polish National Union of America and/or the Polish National
Catholic Church that are members of Spojnia Credit Union.
New Vehicle Loan
24 Months - 1.99% APR*
36 Months - 2.24% APR*
48 Months - 2.49% APR*
60 Months - 2.74% APR*
72 Months - 2.99% APR*
Rates subject to change without prior notice.
Easy Application Process!
No Fees!
No Prepayment Penalties!
Maximum Loan Amount - $25,000
5, 10 and 15 year terms!
15 year term - $20,000 Minimum!
Low Fixed Rates!
5 year - 3.00% APR*, 10 year - 3.75% APR*
Call for 15 year rate.
Used Vehicle Loan
24 Months - 2.29% APR*
36 Months - 2.54% APR*
48 Months - 2.79% APR*
60 Months - 3.04% APR*
Some Restrictions Apply
*APR - Annual Percentage Rate
Need a short term loan? Spojnia Credit Union has the SCU Select Loan.
Borrow up to $2500 for 18 months at 5.49% APR*. The SCU Select Loan can be used for
ANYTHING you need to borrow money for! You select the reason. Loan applications are available at
www.spojniacreditunion.org or by contacting the credit union.
All loan policy guidelines and procedures apply.
* Annual Percentage Rate - All loans are made without regard to race, color, religion, national origin, sex, handicap or familial status.
2014 Vacation Club
The 2013 Vacation Club Checks have been disbursed. Now is the time to sign up or renew your 2014 Vacation
Club.
The new rate for 2014 will be .15% APR (Annual Percentage Rate) The club runs for 50 weeks and checks will be
disbursed April 1, 2014.
Weekly and monthly deposits are available in increments of $5, $10, $20, $50, $100 or an amount determined by
you not to exceed $5000.00 total. A lump sum payment may be made as well.
Spojnia Credit Union
2014 Vacation Club - Begins April 8, 2013
Name:_________________________________________________________
Address:________________________________________________________
______________________________________________________________
Signature:_________________________Account Number:________________________
Complete and Return to:
Spojnia Credit Union
1006 Pittston Avenue
Scranton, PA 18505
Weekly Club Deposit
_____$10.00
_____$20.00
_____$50.00
_____$100.00
_____Lump Sum (Not
Total
$ 500.00
$1000.00
$2500.00
$5000.00
to exceed $5000.00)
PAGE
3
Youth Week
National Credit Union Youth Week is April 21-27, 2013. This year’s theme is
“Savings Sleuth, Solve the Mystery”. Spojnia Credit Union will be celebrating
the whole month of April by challenging our youth to make deposits into their
share
accounts.
The
goal
this
year
is
$2000.00.
As a bonus incentive, for every deposit of $10.00 an entry will be made in
your name for a special prize. Deposit $20 and get two entries, $40 get four
entries. One winner will be selected from each age group. Winners will be notified in May 2013. All deposits must be completed or postmarked by April
30, 2013. Last year we received deposits of $2579.44 surpassing our
$1500.00 goal. Can we do it again?
Campus Door Student Lending
Corey Kowalski (l), age 4 and
Olivia Pfohl (r), age 8
Winners from
our 2012
Fourth
Quarter
Contests.
Each child
won a special
Christmas
Stocking and
Gift Card!
Scholarship Deadline
The 2013 Spojnia Credit Union Scholarship
applications are due May 1, 2013. Applications
were sent in February 2013 to those credit
union youth members who may be graduating
this spring from high school.
The Smart Option Student Loan® is an ideal solution for families that have a gap
when it comes to funding their child’s education. Spojnia Credit Union has partnered with CU Student HELP to offer the Smart Option Student Loan® made by
Sallie Mae®. With college costs growing fast, it’s time to borrow smarter. The
loan offers multiple repayment options and competitive interest rates to help you
pay for college expenses not covered by scholarships and federal loans.
Applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate.
Borrower must attend an eligible school, be enrolled in an eligible program and a
Spojnia Credit Union member. U.S. citizens enrolled in study abroad programs or
studying at medical schools outside the United States are also eligible. Must meet
current credit and other eligibility criteria.
Apply online at: www.spojniacreditunion.org (under forms and applications) or by
calling 1-877-458-8285.
The credit union will award one $500.00 scholarship in June to a member who is furthering
their education at the next level and is in good
standing with Spojnia Credit Union.
The application, list of activities, awards, and
essay must be returned and postmarked by
May 1, 2013.
Membership Contest Winners
Congratulations to Josephine R. Kwiatkowski
2013 First Quarter Membership Contest Winner
The 2012 Membership Contest Winners:
1st Quarter Winner
Frank Azaravich
No Photo Available
2nd Quarter Winner
Joan Marie Jarosinski
No Photo Available
4th Quarter Winner
Joseph Kolonko, Sr.
No Photo Available
Will you be the next winner?
3rd Quarter Winner
Brad Jerome
Membership Contest Entry Form
Spojnia Credit Union members are special. Enter to win a $50.00 VISA Gift Card®. As an added bonus, visit our
website at: www.spojniacreditunion.org for an additional entry form. Print the form located on the Forms and Application Tab and return with this entry form to: Spojnia Credit Union, 1006 Pittston Avenue, Scranton, PA 18505.
Acct #_________________________ Phone :____________________________________________
Name:_____________________________________________________________________________
Address:___________________________________________________________________________
___________________________________________________________________________
Email address:_______________________________________________________________________
All Entries must be received by June 30, 2013
Visit our website at www.spojniacreditunion.org for a complete up-to-date listing of our rates,
products, services, hours, and current promotions.
www.spojniacreditunion.org
Email: info@spojnia.org
PAGE 4
Annual Privacy Notice
WHAT DOES SPOJNIA CREDIT UNION DO WITH YOUR
PERSONAL INFORMATION?
FACTS
Revised Date
January 1, 2013
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit
some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
 Social Security number and account balances.


Share draft account information and employment information.
Payment history and wire transfer instructions.
When you are no longer our member, we continue to share your information as described in this notice.
How?
All financial companies need to share members’ personal information to run their everyday business. In the section
below, we list the reasons financial companies can share their members’ personal information, the reasons Spojnia
Credit Union chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information
Does Spojnia Credit Union
share?
Can you limit this sharing?
Yes
No
For our marketing purposes To offer our products and services to you
No
We don’t share
For joint marketing with other financial companies
No
We don’t share
For our affiliates’ everyday business purposes Information about your transactions and experiences
No
We don’t share
For our affiliates’ everyday business purposes Information about your creditworthiness
No
We don’t share
For non-affiliates to market to you
No
We don’t share
For our everyday business purposes Such as to process your transactions, maintain your account(s),
respond to court orders and legal investigations, or to report to credit
bureaus
Questions?
Call toll-free 1-800-724-6352
What we do
How does Spojnia Credit Union protect my
personal information?
How does Spojnia Credit Union collect my
personal information?
Why can’t I limit all sharing?
To protect your personal information from unauthorized access and use, we use security
measures that comply with federal law. These measures include computer safeguards and
secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information
to those employees for whom access is appropriate.
We collect your personal information, for example, when you
 Open an account or apply for a loan.


Make a wire transfer or file an insurance claim.
Make deposits or withdrawals from your account.
We also collect your personal information from others, such as credit bureaus, affiliates, or other
companies.
Federal law gives you the right to limit only
 Sharing for affiliates’ everyday business purposes - information about your creditworthiness.
 Affiliates from using your information to market to you.

Sharing for non-affiliates to market to you.
State law and individual companies may give you additional rights to limit sharing.
Sprint
Let us introduce you to valuable savings. Receive a 10% discount on select regularly priced
service plans - plus waived application and upgrade fees. You can even save on business
accounts with a 15% discount on select regularly priced business service plans. All this for
being a Spojnia Credit Union Member!
Call 877-728-3428 and let them know you are a credit union member. Ask to be part of the NACUC-ZZM Corporate
ID to save or visit your nearest Sprint store.
Application of discount requires a 2 year contract extension on existing plans. Verification of membership is required at time of activation/upgrade.