2.99% APR* 7.99% APR - Army Aviation Center Federal Credit Union

Did the holidays take a
out of your budget?
Let us help you consolidate some of your high interest rate loans to us with a MasterCard credit
card or personal loan from Army Aviation Center Federal Credit Union (AACFCU)!
2.99% APR*
on Balance Transfers
for 12 months**
$0 Balance Transfer Fee
When you transfer the balance from your high-rate card to us,
not only can you pay off your balance faster, but you’ll also save
money on the interest you pay as well! To make the deal even sweeter, we
have no balance transfer fee and no annual fee. You pay nothing to transfer your
balance and get started on the path to saving!
Our personal loans are also a great option to consolidate expenses, pay them off quickly
and save in the process. If you’re not in need of a consolidation, why not consider a
personal loan to help stretch your dollar further? Need a break after the holiday rush?
Let us help you take a vacation! Was the item you had your eye on not under the tree?
We can help with that purchase!
Personal Loans
as low as
7.99% APR*
The opportunities are endless and so are the savings! Apply for our low rates at any branch, by phone or online today!
*APR means annual percentage rate. Your rate is based
on your credit and may be higher. **After the 12 month
promotional period, your rate will return to your normal rate.
Normal rates are as low as 7.99% APR. Balance transfer must
be made within 30 days of opening account. Offer good for
new and current cardholders with approved credit. Contact us
for more details.
Do you follow us on
Facebook, Instagram and
Twitter? We would love for
you to become part of our
social media network! Search
for AACFCU to connect with
us and see pictures, news and
the latest updates!
facebook.com/aacfcu
instagram.com/aacfcu
twitter.com/aacfcu
Are you looking to purchase your first car in 2016? Ask about our
My First Ride program designed to help first-time auto buyers
get a loan you can afford from an institution you can trust.
To be eligible for this program, this must be your first auto loan,
you must make at least $1,500 a month and you must have been
with your current employer for at least a year.
We can help you get behind the wheel of your first car with the
low rates and terms you need.
Restrictions apply. Maximum loan amount is $20,000. Subject to credit approval. Contact us for full details.
ELECTED and APPOINTED OFFICIALS
BOARD OF DIRECTORS
LTC (Ret) Leslie C. Mingus.............. CHAIRMAN
LTC (Ret) Thomas L. Frezell...VICE CHAIRMAN
Gerald Strange................................. SECRETARY
Richard “Cracker” Waldrop............ TREASURER
Mickey Davis........................................ MEMBER
Larry Eagerton...................................... MEMBER
MAJ (Ret) Marc Snyder........................ MEMBER
SUPERVISORY COMMITTEE
Donna Brackin................................. CHAIRMAN
Elmaree Gordon.............................. SECRETARY
Floyd Rodgers....................................... MEMBER
SUPERVISORY COMMITTEE
P.O. Box 778 • Daleville, AL 36322-0778
Now is the time of year when many of us promise to plan
better for the 2016 holiday season and prepare for increased
expenses. That makes this time of year the perfect time to
open a Christmas Club savings account which earns higher
dividends throughout the year than a regular savings account
giving you extra incentive to save! Then, as the holiday
season approaches, your funds will be automatically
transferred to your primary savings account.
Important Change to Christmas Club Accounts:
In order to allow our members the opportunity to use their
funds earlier in the 2016 holiday season, funds in your
Christmas Club savings accounts will be transferred to your
primary savings account October 14, 2016.
MISSION STATEMENT
Army Aviation Center Federal Credit Union is a
member-owned financial institution. Its purpose
is to maximize member benefits through cost-effective financial services. Army Aviation Center
Federal Credit Union endeavors to expand while
maintaining financial soundness and promoting the
principles of the “Credit Union Movement” in the
local, national and international communities.
As the new year begins, make sure your IRA beneficiary information is up
to date. Please check with one of our member service representatives
about the beneficiary on your IRA if you feel you need to make changes at this time.
IRA Withholding Notice
DIVIDENDS
The Board of Directors declared
dividends for the period ending in
December 31, 2015 as follows:
Compounded Quarterly
Rate
APY*
Regular Shares
0.10%
0.10%
Christmas Club Accounts
0.15%
0.15%
IRA Accumulation
Accounts
0.15%
0.15%
Compounded Monthly
Rate
APY*
Money Market Account
Access
0.30%
0.30%
Payments from your IRA are subject to federal income tax withholding,
unless you elect no withholding. You may change your withholding
election at any time prior to your receipt of a payment. To change your
withholding election, complete the appropriate form provided by your
credit union. Withholding from IRA payments, when combined with
other withholding, MAY relieve you from payment of estimated income
taxes. However, your withholding election does not affect the amount
of income tax you pay. You may incur penalties under the estimated tax
rules if your withholding and estimated tax payments are insufficient.
©2013 Ascensus, Inc., Middleton, WI
Stock #80023 2317 (Rev. 6/2013)
*Annual Percentage Yield
HOLIDAY CLOSINGS
The Credit Union offices
will be closed:
Monday, January 18
Martin Luther King, Jr. Day
Monday, February 15
Presidents Day
Tuesday, February 9
Fat Tuesday (Mobile branches only)
2 | Army Aviation Center Federal Credit Union COMMENTATOR | January 2016
HOLIDAY GIVING
Because of the generosity of its employees and
members, AACFCU was able to donate food, money
and Christmas gifts to local nonprofit organizations
in our surrounding communities during the 2015
holiday season. Each October, the Credit Union
holds a company-wide food drive to help local
food banks prepare for the holiday season. In the
following months, employees come together to
provide Christmas gifts to local children and
senior citizens.
Thank you for helping us give back to those in
need!
Board of Directors Candidate Named
In October, a call for candidates was issued by placing a notice to members in each of AACFCU’s 20 branch
locations. After consideration of candidates, the nominating committee recommended Larry Eagerton, who
is seeking another 3-year term.
Voting Procedures Announced
One 3-year term on the Board of Directors will be filled at the annual meeting of AACFCU
members scheduled for May 18, 2016, at the Operations Center in Daleville at 5:00 p.m.
A nominating committee selected a qualified candidate for the available position. However,
nominations for vacancies may also be made by petition signed by one percent of the members
with a maximum of 500 signatures from members at least 16 years of age. The secretary of the
board must receive the petitions no later than February 12, 2016.
Candidates by petition must also submit a brief resume of qualifications and a statement that they are
agreeable to nomination and will serve if elected. Pursuant to the bylaws, there will be no nominations from the
floor at the annual meeting.
Are you climbing the ladder to build your credit?
Our Credit Builder loans can help you get started on your way to good
credit even if you have no credit or just need to improve your score.
We will loan you up to $1,000 for a 12 month period to begin building
credit history in your name. When we loan you the initial $1,000, we
secure the funds in a share certificate for the length of the loan. Once
the loan is paid in full, the funds in the share certificate will be released
to you. As long as you make your payments on time, you’ll have 12
months of positive payment history being reported in your name,
which can help build your credit or begin to improve your score.
Parents, this is a great way for your child to begin building credit
in his or her own name and have $1,000 at the end of the loan to be
used to help with a first car purchase, furniture for an apartment, a
computer or even as a savings cushion. We can help your child get on
the right track in their finances as they learn to make decisions on their
own.
Contact us for full details or visit us at www.aacfcu.com.
AACFCU received the 2015 Outstanding Community Spirit award from
the Alabama Chapter of the Cystic Fibrosis Foundation (CFF). In 2015,
the Credit Union donated $23,596 to the Cystic Fibrosis Foundation after
a company-wide fundraising campaign in April and May. Credit Union
employees and members raised $16,096 in donations while AACFCU
donated an additional $7,500 to CFF. In addition to the fundraisers
coordinated by AACFCU employees, AACFCU is a sponsor of the CFF
Great Strides Walks in Dothan and Mobile each year.
Pictured L-R: Margaret Richie, CFF Alabama Chapter executive director; Emily Darnell, AACFCU marketing manager;
Lisa Hales, AACFCU vice president of marketing; Kerri Kelley, CFF Alabama Chapter development manager.
January 2016 | Army Aviation Center Federal Credit Union COMMENTATOR | 3
LOCATIONS
www.aacfcu.com • cuinfo@aacfcu.com
Daleville Operations Center • 238 Virginia Ave.
P.O. Drawer 8, Daleville, AL 36322
Dixie Phone Banking (334) 598-4411 or (800) 448-4096
Call Center (334) 598-4411
Outside the calling area (800) 448-4096
Dothan 671-1890 • Enterprise 393-5909
Ozark 774-4929 • Troy 670-0308
BRANCH OFFICES
Daleville
341 N. Daleville Ave.
Daleville, AL 36322
Mobile Airport
6631 Airport Blvd.
Mobile, AL 36608
DeFuniak Springs
1421 U.S. Hwy. 331 South
DeFuniak Springs, FL 32435
Mobile Bates
8501 Tanner Williams Rd.
Mobile, AL 36608
Dothan East
1380 E. Cottonwood Rd.
Dothan, AL 36301
Mobile Brookley
1994 S. Broad St.
Mobile, AL 36615
Dothan North
2462 Montgomery Hwy.
Dothan, AL 36303
Mobile Downtown
127 Dauphin St.
Mobile, AL 36602
Dothan South
2525 South Park Ave.
Dothan, AL 36301
Mobile West
750 Downtowner Blvd.
Mobile, AL 36609
Dothan West
123 S. Woodburn Dr.
Dothan, AL 36305
Mortgage Service Dept.
2462 Montgomery Hwy.
Dothan, AL 36303
Enterprise East
1238 Rucker Blvd.
Enterprise, AL 36330
Opp
301 W. Cumming Ave.
Opp, AL 36467
Enterprise South
Motor Branch
5030 Boll Weevil Cir.
Enterprise, AL 36330
Ozark North
1184 E. Andrews Ave.
Ozark, AL 36360
Enterprise West
1201 Boll Weevil Cir.
Enterprise, AL 36330
Enterprise
Motor Branch
115 Shellfield Rd.
Enterprise, AL 36330
Fort Rucker
8937 Red Cloud Rd.
Fort Rucker, AL 36362
Ozark South
1548 South U.S. Hwy. 231
Ste. G
Ozark, AL 36360
Santa Rosa Beach
200 Mack Bayou Rd.
Santa Rosa Beach, FL 32459
Troy
651 AL Hwy. 87
Troy, AL 36079
Refer Your Friends and Family to Us!
When you refer your friends
and family to us, you are
helping them make smart,
cost-effective financial
decisions. You are helping
your daughter get low rates
on her first car loan, or you
are helping your best friend
save money each month on
credit card payments by
transferring a balance to
our low-rate credit cards. You could be saving your brother hundreds of
dollars in fees each year when he uses Credit Union services. Either way,
you’re spreading the love and helping your loved ones spread their money
further.
We appreciate the opportunity to serve you and don’t take it lightly that
you would recommend us to those close to you. We work hard each day
to bring you convenient, helpful services at low costs and look forward to
working with you in the future. Thank you for being a member of
AACFCU! Now, go tell a friend about your Credit Union!
DID
YOU
KNOW?
ATM ONLY LOCATIONS
FORT RUCKER, ALABAMA
Aviator’s Landing
Bldg. 113 Novosel St.
LUVERNE, ALABAMA
SMART Alabama
121 Shin Young Dr.
Base Operations Bldg.
Cairns Army Airfield
MOBILE, ALABAMA
Federal Building
109 St. Joseph St.
Lowe Airfield
Bldg. 40110
Post Exchange
Bldg. 9214
Soldier Service Center
Bldg. 5700
Lyster Army Health Clinic
Bldg. 301 Dustoff St.
Providence Hospital
6801 Airport Blvd.
TROY, ALABAMA
Sikorsky
299 Airport Blvd.
Trojan Center
Troy University Campus
DALEVILLE, ALABAMA
AACFCU Operations Center
238 Virginia Ave.
For your convenience, AACFCU is open Monday-Friday
from 8:30 a.m. CST until 5:00 p.m. CST. On Fridays,
drive-thru teller windows remain open until 6:00 p.m.
CST at all branches except the Fort Rucker branch which
closes at 5:00 p.m. Call Center hours are Monday-Friday
from 7:30 a.m. CST until 6:00 p.m. CST.
We also partner with more than 5,000
Co-Op Shared Branches nationally
and in seven foreign countries to serve
you. To find a location, go to:
www.co-opsharedbranch.org.
4 | Army Aviation Center Federal Credit Union COMMENTATOR | January 2016
New Branch in Opp, AL
We are excited to have a new branch in Opp, AL!
Our newly renovated building is at 301 West Cumming
Avenue and features two drive-thru lanes, an ATM on site
as well as a full service lobby. Janie Weeks, our branch
manager in Opp, brings years of financial experience
to the location. We look forward to being a part of the
Opp community and providing convenient services to our
members such as free checking accounts, low rates on
auto loans, mortgages, credit cards and more.