BCFCU Revs Up Savings - Buckeye Community Federal Credit Union

source
the
Fall 2013
Volume 1 • Number 120
Buckeye Community Federal Credit Union
BCFCU Revs Up Savings
BCFCU’s fall car event is here! Purchase a vehicle
and finance it through BCFCU from October 4th
through 20th and take advantage of great savings
and the lowest rates of the year. During this special
promotion, members can receive a $500 cash back
incentive and opt to make no payments until January
2014. Members who submit their applications online
during the promotion will have their interest rate
lowered by 0.25% providing additional savings.
Don’t miss this incredible opportunity to get a
great rate and a $500 cash bonus just in time for the
Christmas shopping season.
Deposit Checks
Anywhere, Anytime
Announcing the newest branch of BCFCU; your smartphone. We
are proud to announce that our mobile banking application has been
upgraded to include Remote Deposit Capture. This feature of our
mobile app allows you to deposit checks anywhere and anytime by
simply taking a picture of the check. This is a great tool to help save
you time and money. If you have not downloaded our mobile app you
may do so on Google Play and iTunes and take advantage of this great
convenience. You must enroll for the
remote deposit capabilities through the
application. Visit our website for more
info at www.bcfcu.coop.
Help Us PIN
Down Fraud
If you are one of the millions of people
who have a debit card, you know how
convenient and easy they are to use.
Unfortunately, this also means that thieves
will stop at nothing to try and steal cards and
Personal Identification Numbers (PIN ) as
well. It will be Christmas shopping season
before you know it and we want to stress the
importance of protecting your PIN on your
debit and credit cards.
Here are a few easy steps to help protect
you from fraudulent activity on your plastic
cards. 1) Make sure you never share your
PIN with anyone, regardless of how much
you trust the person. Your PIN is unique
to you, meaning never give it out over the
phone or internet to verify a purchase. This
practice is known as phishing and can cause
fraudulent access to your debit card. 2)
Commit your PIN to memory. Never write
your PIN on your card or store it in your
purse or wallet. Following these simple
steps will greatly reduce your chance of
falling victim to any unauthorized activity
on your debit card this holiday season.
Officials & Staff
Board of Directors
David S.Sullivan......................... Chairman
Sam Drawdy........................Vice Chairman
Brenda Carlton............Secretary/Treasurer
Link Claverie..................................Member
Anne Hendry.................................Member
Clyde Hendry................................Member
Bob Lillott......................................Member
Holiday Skip-A-Pay
is Back!
Supervisory Committee
Scott Barton............................... Chairman
Al Alexander..................................Member
Clay Bethea...................................Member
Lou Drawdy...................................Member
Bob Lilliott......................................Member
The Source
Charlton Knowles..............................Editor
Kathy Saults............Writer/Assistant Editor
Office Staff
Charlton Knowles, CPA............... President
Pam Rigoni-Parker.............. Vice President
Darlene Lago.......... Loan Dept. Supervisor
Thorter Williams............... Asst. Loan Supv.
Whella Cannon........ Loans Representative
Brenda Stalans........ Loans Representative
Sherry Strickland.................... Loan Officer
Terri Collins.............. Collections/Insurance
Cynthia Nowlin........ Collections/Insurance
Lynn Bennett.............................Mortgages
Joleen Whitehead.... Mem. Services. Supv.
Holly Sullivan.............. Asst. M. Serv. Supv.
Alisha Wallace.......................... Head Teller
Ashlea Burns.................. Member Services
Rosa Davis..................... Member Services
Hollie Durham................ Member Services
Shannon McKinney........ Member Services
Kacy Padgett.................. Member Services
Renee Robinson............. Member Services
Megan Taylor.................. Member Services
Chelsea Walker.............. Member Services
Cyndi Worsham.............. Member Services
Marilyn Johnson....... Spec. Services Supv.
Kathy Connell...................Special Services
Susie Porter......................Special Services
Laura Rowell............... Administrative Asst.
Sondra Shaw.................. Accounting Supv.
Christy Praytor..........................Accounting
Tonya Jackson..........................Accounting
Diana Williams..........................Accounting
Rob Hilley..................... Marketing Director
David McMullen..............Contract Services
Address & Phone
1825 S. Jefferson St. • Perry FL 32348
850–223–7100 • Fax 850–223–7191
www.bcfcu.coop
Office Hours
Lobby................ 8:00–5:00 M, Tu, Th, F
Lobby................ 9:00–5:00 W
Drive Thru......... 7:30–5:00 M
Drive Thru......... 8:00–5:00 Tu
Drive Thru......... 9:00–5:00 W
Drive Thru......... 8:00–6:00 Th
Drive Thru......... 7:30–6:00 F
Important Phone Numbers
Report lost debit cards to 1-800-554-8969.
Report lost credit cards to 1-800-808-7230.
You might want to put these numbers in a location you could
reach in the event your wallet or purse was lost or stolen.
Follow us on Facebook
We know how stressful and expensive the holiday season can be. That’s why
BCFCU wants to help make this year a little more enjoyable! Once again we will
be offering members the option of “skipping” loan payments for one month on any
non-mortgage or credit card loan. For $25.00 per loan (that is in good standing and
atleast six months old) you may skip either your November, December or January
payment. In order to skip the loan the fee(s) for skipped loans must be available in
your savings account. Make sure to sign up for “Skip-A-Pay” today and spread
a little extra cheer this holiday season! Call us at 850-223-7100 for details or for
further information visit our website at www.bcfcu.coop and look for the “Skip-APay” banner.
Investment Decisions Keeping
You Up At Night?
Annuities? Municipal Bonds? Mutual
Funds? Which one is right for you?
If you’re baffled by all the choices,
you’re not alone. After careful review
of firms who offer Investment Advisory
Services, we have chosen to partner with
Calton & Associates.
Headquartered in Tampa, FL, Calton
& Associates has been in business for
25 years and is a full service securities
broker/dealer and investment advisory
firm offering a wide range of investment
products and services including:
• IRAs
• Mutual Funds
• Variable Annuities, Variable Life and
other fixed and variable insurance
products
• Retirement Plan Services
• Custodial Services
• Advisory Services
One of the key reasons we selected
Calton & Associates is that the firm
specializes in SWAN investments
– investments that help you Sleep Well
At Night. Whether you are investing
for retirement, college expenses, or
estate planning, the personalized service
focuses your needs, wants, financial
goals and objectives. We invite you to
call BCFCU at 850-223-7106 to arrange
for a free consultation. When it comes
to your investments, we Sleep Well At
Night when you do.
Community Minded Corner
Can you believe we are already into fall already? We know what a busy time of
year it is for everyone, but rest assured, BCFCU is here to support both our members
and all of the community events that accompany the falling temperatures. We hope
everyone had a great summer and is enjoying tailgating season as much as we are.
It’s another exciting year of Bulldog football and our incredible members helped
raise $500 for Bulldog athletics with the purchase of our camouflage hats over the
past year. All of us want to thank you, our members, for helping support both the
credit union and our football team. Be sure to look for us at the Bulldog home
football games and get an orange and blue shaker courtesy of BCFCU.
Please make sure to come visit us at all the great festivals that take place around
the Big Bend this fall including: Pickin’ in the Pines, Sept. 27th-28th, Pioneer Days
in Mayo, October 12th, the Forest Festival Oct. 25-26th, and at the Blues n Bar B Q
festival, December 14th.
We also wanted to share
this picture that was sent
to us from the troops in
Afghanistan as well. Our
wonderful staff raised
goods and money to send
care packages to our brave
men and women serving
overseas. This was sent
to us by a regiment of the
Third Cavalry, U.S. Army,
from a forward operating
base in Afghanistan.
Just another way we are
community minded, just
like you; even on the other
side of the world!
Loan Rates
*rates quoted for Beacon scores 750
and above and with loan incentives
included
** Annual Percentage Rate
Approximate
Daily
APR** Repayment PeriodPer. Rate
New Vehicles*
  2.25%
24 Months
.00616%
2.75%
36 Months
.00753%
  2.75%
48 Months
.00753%
  2.75%
60 Months
.00753%
  2.75%
72 Months
.00753%
Used Vehicles*
  4.25% 60 Months or Less .01164%
  4.50% 60 Months or More.01233%
New boat and R.V. loan rates*
Used and New rates
now combined as follows:
  5.50%
up to 72mo.
.01507%
  5.25%
up to 84mo.
.01438%
  5.00%
up to 144 mo.
.01370%
  4.50%
up to 180 mo.
.01233%
Stock Secured*
Currently
Prime
  4.50%
+ 1%
.01233%
Share Secured*
Currently
Share Rate
  3.50%+
+3% .00959%
Consumer Durable Goods*
  7.25%
24 Months
.01986%
10.25%
48 Months
.028082%
  6.25%
12 months
Vacation*
Celebrate International
Credit Union Day
We invite you to join 190 million people worldwide in celebrating International
Credit Union Day on October 17th. Take the time to invite your friends, family and
neighbors who may not be BCFCU members to come visit us on this special day and
learn about the many benefits credit union membership can provide.
As part of our celebration, we will be sponsoring a community shred day from 10
am-2 pm to help you safely dispose of confidential documents you no longer need.
And representatives from Sam’s Club will be onsite to enable BCFCU members to
purchase or renew their Sam’s Club membership. BCFCU members who join Sam’s
Club on the 17th, will receive a $10 gift card.
.01712%
Share Certificate
  3.00%* Based on Maturity
*above certificate rate
Signature Loan*
  9.25%
24 Months
.02534%
11.25%
36 Months
.03082%
13.25%
48 Months
.03630%
15.25%
60 Months
.04178%
Signature Loan (Kwik Kash)*
10.00%
Revolving
.02739%
VISA/MasterCard
10.9%
Revolving
Mortgages
quoted daily
.02986%
Checking
$500 minimum to earn dividends
.15%
No monthly service charges and compounds quarterly.
Certificates
6 Months 0.25%
0.25%
Regular & IRA
1 Year
0.30%
0.30%
$1000 minimum 2 Year
0.45%
0.45%
3 Year
0.50%
0.50%
4 Year
0.65%
0.65%
5 Year
0.95%
0.95%
Rates updated weekly. Substantial penalty for early withdrawal.
IRA Savings
Less than $5,000
$5,000 – $24,999
$25,000 – $49,999
$50,000 or more
* Annual Percentage Rate
** Annual Percentage Yield
0.10%
0.30%
0.45%
0.80%
0.10%
0.30%
0.45%
0.80%
Holiday Schedule
The credit union office will
be closed:
Veteran’s Day
November 11th
Thanksgiving Holidays
November 28th and 29th
Christmas Holidays
December 24th and 25th
New Years Day
January 1st, 2014
the
Ann% Yield**
0.05%
0.15%
0.25%
0.35%
Buckeye Community Federal Credit Union
Savings
Ann% Rate*
Less than $5,000
0.05%
$5,000 – $24,999
0.15%
$25,000 – $49,999
0.25%
$50,000 or more
0.35%
Compounded quarterly. No minimum balance.
source
Investment Options
Perry FL 32347
Permit No. 119
PAID
Presorted Standard
US Postage