Your Credit Score is a Powerful Number! reminder

JUNE 2008
reminder...
Newsline
We will be CLOSED
on Friday, July 4th
in observance of
Independence Day.
Community Events
June 11 – Pacesetters Monthly Fun Run/Walk –
Heckrodt Wetland Reserve, Menasha, 6:00 pm,
1-6 miles. Everyone is welcome. Run/Walk followed
by ice cream & refreshments. For more info, e-mail
melissa@pacesettersrun.org.
June 14 & 15 – Neenah StreetBall Challenge 2008
Neenah, for more info, visit www.focol.org/streetball.
June 20 & 21 – Darboy Chicken Fest –
For more info, visit www.darboyfest.org.
June 20 & 22 – Strawberry Fest – North Main
Street and Riverview Park, Waupaca. For more info,
visit www.darboyfest.org.
June 25 – 29 – Country USA, Oshkosh –
For more info, visit www.countryusaoshkosh.com.
September 20 & 21 – Community First Fox Cities
Marathon Festival of Races – Online registration is
open! For volunteer info or to sign up, visit
www.foxcitiesmarathon.org.
Understanding Internet
Banking Seminars
Learn to use PC Home Banking & BillPayer
Oneida St., Appleton
Wed. June 11, 2:00-4:00 pm
Wed. June 25, 5:15-7:15 pm
Wed. July 9, 5:15-7:15 pm
Wed. July 16, 2:00-4:00 pm
Oshkosh
Manitowoc
Wed. June 18, 5:15-7:15 pm
Wed. July 23, 5:15-7:15 pm
Mon. June 23, 5:15-7:15 pm
Sat. July 26, 9:00-11:00 am
New London & Waupaca
Please call to set up a time that is convenient for you.
Seminars are FREE to all members, but pre-registration is
required. Sign up online at www.communityfirstcu.com, call
(920) 830-7200 or 1-866-273-2328, or stop by any branch.
CFCU Phone
Survey Reminder
We have commissioned a telephone
survey to reveal how strongly you feel
about referring your family, friends and
colleagues to use Community First services. In July
you may receive a phone call on behalf of Community
First. No account or personal information will
be discussed. We thank you for participating in this
survey to help us serve you better.
Don’t wait…this offer is for a limited time only!
Apply online or stop in at any of our 14 convenient locations or
call toll-free 1-866-273-2328 or (920) 830-7200 for more details.
*Annual Percentage Rate (APR) as of 05/19/08 and subject to change. Your rate is based on your credit score and
account relationship. $10,000 new money required. All closing costs to be paid by borrower. Checking with direct deposit
required. Rates available up to 100% loan-to-value (LTV) on first mortgages and up to 80% LTV on second mortgages.
Construction loans do not apply. Private mortgage insurance is required in excess of 80% LTV. Single-family, owneroccupied homes only. All purchases must close on or before July 31, 2008. **Actual closing costs will vary depending
upon the LTV. Payment example: The monthly payment on a $150,000 loan amortized over 30 years, assuming 80% LTV
and at a rate of 4.99% APR would give you 119 payments of $804.78 and a final payment of $122,769.81.
Your Credit Score is a
Powerful Number!
Set Money Aside
for the Perfect Home
It is a good idea to have
additional funds available to pay
for a downpayment, closing costs
or to have a financial cushion.
Saving your extra money and
government tax rebate check in
a Community First account will
help you to offset home
expenses. For more ways to
save, contact us today.
Your credit score can help you get the best rate on a loan, rent an apartment...
even find a new job. When applying for a loan, lenders use your credit score to
assess the risk of lending you money. You can improve and protect your credit
score by monitoring it for accuracy and to identify potential trouble-spots. Take
these steps to maintain and improve your credit score.
• Pay your bills on time, every time
• Pay down your debt
• Avoid multiple unsecured loans
• Keep low credit card balances
• Only apply for the credit you need
• Pay collection accounts
For more credit score information, visit www.communityfirstcu.com, click on Balance:
Financial Fitness Program and then Credit Report Review or call 1-888-456-2227.
FREE money
management
information and
confidential financial
counseling for
members of
Community First.
Kids Win by Learning
the Value of Savings
Do More This Summer With CFCU Checking!
Community First Checking makes your summer easier with convenient
services to save you time and money. Our checking options give you
access to a variety of tools to manage your money while you're on the go.
Use Your CFCU
Check Card For
Everything You Do
This Summer!
• FREE VISA Check Card...Pay fast and be on your way! All purchases and ATM
transactions made with your VISA Check Card are FEE FREE! Use your card as
often as you like with no charge from us.
• E-Services...Spend more time outside and on the go! PC BillPayer makes it easy
for you to ensure your bills are paid on time...no matter where your summer
takes you. Plus, PC Home Banking allows you to track your account history,
check your balance, transfer funds, view e-statements, and make payments.
• Free 24-hour Tellerphone Access...Whether you're on the lake or in the mall,
accessing your accounts is just a phone call away with our 24-hour, voice or
touch-tone activated phone system.
• Direct Deposit...Discover the ease and convenience of directly depositing your
payroll, Social Security or other recurring checks directly into your checking
account. You'll save time and may qualify for discounts on new loans.
• Pay for your campsite
• Put gas in your car
• Buy barbeque supplies
• Order tickets to a
game or concert
• Purchase your family
amusement park passes
• Buy bikes...go green!
• Get ice cream for everyone!
Open your CFCU checking this summer and DO MORE!
We have four great checking accounts...one is right for you! Choose from
Members Choice Checking, Direct Benefit Checking, Regular Checking and
FREE Checking, all with convenient services to make your life easier. For
more details, visit any of our 14 locations or call toll-free 1-866-273-2328.
A Message from the MEMBERS
Financial Services Program†
Changing Jobs? Retiring?
Don't Leave your Retirement Plan Dollars Up in the Air
If you're changing jobs or retiring, you're in the midst of an
Bill Bargholtz, Jason Buchinger & Jeff Garrett
enormous change. You should seriously be considering what to
Representatives Registered through CUNA Brokerage Services
do with your money in your employer's pension plan, 401(k),
403(b)/TSA or 457 plan. After all, it's probably one of your biggest assets.
The wrong move could cost you thousands and greatly affect the quality of your retirement years.
Generally, there are four options for your retirement plan:
1. Leave it in your former employer plan
3. Roll it over to a traditional IRA
2. Transfer it to your new employer plan
4. Cash out and pay taxes and possibly penalties.
Each decision has its pros and cons. Need help deciding what option is best for you? Contact
Bill, Jason or Jeff, the MEMBERS Financial Services Representatives serving the members of
Community First Credit Union at (920) 830-7200 or 1-866-273-2328 for a no-cost, no-obligation
Retirement Assets Consultation. The quality of your retirement years depends on it.
† 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.B2MM-0405-2BA8
Newsline
IS PUBLISHED MONTHLY FOR MEMBERS OF
(920) 830-7200
APPLETON
2626 S. Oneida St.
509 N. Richmond St.
2701 N. Ballard Rd.
455 S. Nicolet Rd.
DARBOY
W6089 Cty. Rd. KK
GREENVILLE
N1230 Cty. Rd. CB
COMMUNITY FIRST CREDIT UNION
NEENAH
125 E. Forest Ave.
2300 Industrial Dr.
(920) 966-2424
OSHKOSH
2424 Westowne Ave.
(920) 684-7148
MANITOWOC
1100 S. 30th St.
PC HOME BANKING
(715) 258-7462
WAUPACA
1006 Royalton St.
(920) 982-6048
NEW LONDON
603 W. Wolf River Ave.
(920) 525-1164
NICHOLS
W5644 Cty. Rd. F
MEMBERS FINANCIAL
SERVICES®
Investment Consultations
(920) 830-7200
1-866-273-2328
TELLERPHONE
24-Hr. Audio Account Access
(920) 830-7325
1-800-924-1550
Congratulations to all of our winners!
$50 Savings
Bond Winners
$100 Grand
Prize Winner
Justin Pekel
Caroline Vanderloop
Shelbie Mattingly
Abby Schreiber
Jadyn Stoffel
Jenaica Weinzatl
Alex Strohmeyer
Cheyenne Stockinger
Mercedes Cantrel
Robin Peeters
Brianne Krake
Conner Klevesahl
Cameron Gordon
Katie Sprister
Julie Lee
Mark Howe
Zach Combes
Madyson Olson
Madyson Olson, the grand prize
winner of Youth Week's $100,
commented, “I'm saving my
money to buy toys!”
Use PC BillPayer and Win!
Congratulations Kevin and Nancy Derkowski, our
latest PC BillPayer user winners. They won a $100
Marriott gift card for paying bills online through our
FREE PC BillPayer. “It's convenient to pay bills with PC
BillPayer and it saves us money,” commented Kevin.
You can save money too!
With increased postage and rising gas prices, this is
the most cost-efficient way to pay your bills. The
service is fast, secure and your payments
are guaranteed.
Located at Community First Credit Union†
COMMUNITY FIRST
INSURANCE CENTER
(920) 738-5474
1-800-779-1321
Our youngest members learned
about good savings habits during
National Credit Union Youth Week,
April 20-26, 2008. They colored
savings related pictures, received
MoonJar banks teaching them the
importance of saving, sharing and spending and
they entered a drawing for a chance to win a $50
Savings Bond or $100 Cash!
PHONE CENTER
Mon.–Fri., 7am-6pm;
Sat., 7am-1pm
DRIVE-UP
Mon.–Fri., 7am-6pm;
Sat., 8am-noon
LOBBY
Mon.–Wed.,
8:30am-5pm;
Thurs. & Fri.,
8:30am-6pm;
Sat., 8am-noon
Fox Valley Technical College
Appleton Campus, Entrance 10
• PC BILLPAYER • PC MORTGAGE • e-STATEMENTS
ENROLL & WIN!
Enroll in PC BillPayer
today. It only takes a
few minutes and
best of all, you'll
be eligible to win
$5,000! The
more bills you
pay the more
chances you
have to win.
FLY AWAY WITH $5,000!
Get all the details about how YOU could win at
www.communityfirstcu.com/flyaway08.html. To sign
up for PC BillPayer, visit any Community First branch.
www.communityfirstcu.com