Winter 2016 Newsletter - Blackhawk Community Credit Union

winter 2016
messenger
THE
Join Our 52-Week Savings
Challenge to Save in 2016!
~ Th e
Fifty-Two Week
~
Money Savings Challenge
If you’ve resolved to save more money in 2016, we can help! Blackhawk is
issuing a 52-Week Savings Challenge that not only helps you tuck money
aside every week, but also gives you a chance to double your money at
the end of the Challenge! It’s easy and fun – read on for more details.
Week**
Deposit
Amount
Account
Balance
1
$1
$1
How Does the Challenge Work?
The idea is simple: Open a Challenge Savings Account and deposit $1 on
week one of 2016, followed by $2 on week two, $3 on week three, etc.,
until you reach week 52, when you make your last deposit of $52. Your
final balance at the end of the year is $1,378.
10
$10
$55
20
$20
$210
How Do Members Make Deposits?
30
$30
$465
40
$40
$820
50
$50
$1,275
52
$52
$1,378
Just sign up to have automatic transfers made to the account by completing
an enrollment card. As long as funds are in the transfer account, your
transfers will occur before noon on Fridays. Deposits can also be made in
person at a branch, or you can do a transfer by phone or online.
What Interest Rate Does It Have?
To help encourage and reward savers throughout the year, the
interest rate is 3.00% APY.* But to get that great rate, you have to keep
participating according to the Challenge; the interest rate is tiered
to only pay 3.00% on the amount of the scheduled balance for the
corresponding week.
How Could I Double My Money?
At the end of the Challenge, one lucky saver will double their money with
a matching deposit from Blackhawk. Your name will automatically be
entered in the sweepstakes with each deposit you make.
**Not
all 52 weeks are displayed on the chart above.
Your
Open nge
e
Chall count
gs Ac
Savin y & Earn
Toda APY*
3.00%
For more details or to get started on the 52-Week Savings Challenge, call
us at 608-755-6065 or 800-779-5555.
* Federally
insured by NCUA. APY=Annual Percentage Yield. One Challenge Savings Account per member. No purchase
necessary. Sweepstakes odds depend on number of entries. For full contest rules, see a Member Advisor. Sweepstakes
ends December 31, 2016. Sponsor: Blackhawk Community Credit Union, PO Box 5366, Janesville, WI 53547.
In This Issue
50 Wishes
Blackhawk Scholarship
Run for Our Board
Tax Time = Relax Time
New Blackhawk EMV
Debit & Credit Cards
Save the Date for Our
2016 Annual Meeting
Celebrating Employees
Winter Calendar
of Events
Welcome to Your New EMV
Debit and Credit Cards
January 1
Closed for New Year’s Day
January 18
Closed for Martin Luther
King, Jr. Day
As your Blackhawk debit and/or credit cards expire,
we will be reissuing them as new EMV cards that offer
additional security.
February 5
Go Red Day for American
Heart Association
February 6
Children’s Miracle
Network Bowlathon
February 12
Kandu Grapes & Hops,
6:00-10:00 p.m.
EMV stands for EuroPay, MasterCard®, Visa® and represents
microchip technology in your card that increases security.
This technology originated in Europe and has been
instrumental in preventing the spread of credit and debit
card fraud.
February 15
Closed for Presidents Day
How Does EMV Work?
March 25
Easter Bunny at
Court Street
March 25
Closed at 12:30 p.m. for
Good Friday
March 31
Blackhawk Scholarships
Due
What is EMV?
Blackhawk accounts are monitored for fraud 24 hours
a day, seven days a week. The microchip enhances this
process by providing dynamic data at the time of use that
cannot be known by someone who steals your card or
your card number. Additionally, a microchip is much more
difficult to replicate or counterfeit than the old cards with
just a magnetic strip.
Do I Need to Do Anything?
Your new EMV card has a new expiration date, so if you
have automatic payments set up with your card, you will
need to give the merchants your new expiration date.
How Do I Use My New Card?
While EMV cards are widely accepted throughout Europe,
many merchants across the United States are still working
to update their payment terminals to process EMV
microchip transactions.
First, swipe your card. If the merchant isn’t EMV-ready,
the transaction will be processed using the magnetic strip
on your card. If the merchant is EMV-ready, you will be
prompted to insert your card into the terminal. Your card
will be kept safely inside the terminal while the microchip is
authenticated and the transaction is completed.
Second, remember your PIN. Terminals may use different
formats (either your PIN or your signature) to authenticate you
as the cardholder. Third, remove your card. Some terminals
may remind you to take your card, but some may not.
If you have any questions, we’re happy to help at
608-755-6065 or 800-779-5555.
Board of
Directors
Mary Frederick, Chairperson
Tom Osmond, Vice Chairperson
Marge Fenrick, Secretary
Tom Brien, Treasurer
Edmund Halabi, Director
Shannon Riley, Director
Tim Silha, Director
Glenn Lea, Emeritus Director
John Jenks, Associate Director
Turn Tax Time into Relax Time
The tax season doesn’t have to be as stressful as you think.
Blackhawk is here to help ease your tax preparation – and your
mind – with several convenient tax tools and support options:
20% Savings on Face-to-Face Tax Preparation
Let Liberty Tax Services take tax preparation off your hands – at
20% off! We’ve partnered with this professional tax preparer to help
you save time, hassle and money. Simply ask for the “Blackhawk
Member Only” coupon for your 20% discount or pick one up at any
Blackhawk Community Credit Union branch location.
Online Convenience Through TurboTax
If you prefer to file online, visit our website at www.bhccu.org,
and click on the link to use TurboTax® and receive a credit union
discount. This helpful tool walks you through the tax-preparation
process for greater ease and accuracy.
Tax Refund Anticipation Loans
Awaiting a tax refund and want the cash now? Need a little more
cash cushion for your tax bill? Ask about our $1,000 Tax Refund
Anticipation Loans,* our Signature Loans or Kwik Cash.
If you have any questions, please call us at 800-779-5555.
*Tax Refund Anticipation Loans: Maximum loan amount is $1,000, 90-day term with a one-pay note, 18.00%
annual percentage rate. All loans subject to approval.
Where Will $25,000 Take You?
Blackhawk has teamed up with TurboTax to get you your
maximum refund, savings of up to $15 on TurboTax federal
products and a chance to win $25,000.
• TurboTax translates taxes into simple questions about your life
and puts everything in the right forms for you.
• TurboTax searches over 350 deductions and credits, so you
won’t miss a thing.
• TurboTax runs error checks and a final review to help make sure
your taxes are done right.
Just try TurboTax Online for FREE (and provide your email
address) by February 18 to be automatically entered in the
TurboTax $25,000 Payday Sweepstakes.1 Start TurboTax now!
1
TurboTax $25,000 Payday Sweepstakes. 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. Sweepstakes ends 2/18/16. 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/microsite/sweeps-rules.jsp.
PRIZES: One (1) Grand Prize: A check for $25,000. Retail value: $25,000. Ten (10) First Prizes: A check for
$1,000. Retail value: $1,000 each. Maximum retail value of all prizes is $35,000. 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 Rd, SDG-2A-03-22H, San Diego, CA 92129.
© 2015-2016 Intuit Inc. All rights reserved. State filing charges apply. Limited-time offer for TurboTax
2015. Terms, conditions, features, availability, pricing, fees, service and support options subject to change
without notice. 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.
Celebrating Blackhawk
Employee Milestones
Blackhawk is defined by our wonderful, caring employees, many of whom have been
with us for years. Each December, we celebrate our dedicated staff at our Blackhawk
Community Credit Union Service Award Banquet and Holiday Party. Recognizing their
years of service is our way of honoring how much they do for our credit union – and
more importantly, how much they do for our members.
A special thank you to the following employees, who were recognized for their
service milestones:
5 Years:
15 Years:
25 Years:
Cory Dull
Ryan Johnson
Julie Johnson-Foss
Amanda McCulloch
James Nachtwey
Julie Papini
Nicole Roth
Gail Wimmer
Jayne Boston
Holly Jackson
Joleen Kaehler
20 Years:
Ann Welsh
Brenda Molnar
Shari O’Kane
Laurie Van Horn
30 Years:
35 Years:
Connie Clark
Making Direct Deposit of
Your Tax Refund Easy
Be Sure You “Like” Us
for Info You’ll Love!
If you are using direct deposit for a tax refund, here’s how
to find the Blackhawk account numbers you need.
Follow us on our Facebook
page to hear all about our
community events and
other key updates.
Janesville, WI 53545
27597804 8
SAVINGS:
CHECKING:
Blackhawk Routing
Number: 275978048
Blackhawk Routing Number:
275978048
Simply use your
Member Number
Account Number is the 8 or 13
numbers located next to the
routing number
Questions? We’re always happy to help at 800-779-5555.
Call us today.
facebook.com/
As our 50th Anniversary year winds to a close, we wanted to show our
gratitude to the communities we serve. So, we made 50 wishes come
true this holiday season. In November, we accepted nominations, and in
December, our Wish Team was out and about granting 50 wishes! We
appreciate your membership. Because of you, we are 50 years strong!
Blackhawk Bus Tours –
Don’t Miss the Fun!
JOIN US
FOR A BUS TOUR
Blackhawk is offering several bus tours for members to visit and experience
unique destinations throughout 2016! The cost is reduced for members, but nonmembers are also welcome. Check out the fun options below, and please contact
Monica Wellen at 608-314-1215 or mwellen@bhccu.org for more information.
DATE
TRIP
TIME
February 11, 2016
Grand Victoria Casino and
Fisher Nut Outlet
Load at 8:15 a.m.
$25
Return at 4:00 p.m.
$35
March 22, 2016
Jacob Henry Mansion
Load at 8:15 a.m.
Return at 5:00 p.m.
$90
April*
Cork to Fork (Wollersheim Winery and Blue Spoon Restaurant)
May
Diamond Jo Casino
*
June
Lots of Fun in Lake Geneva
July
Brew and Boat in Milwaukee, WI
November*
Potawatomi Casino
December*
Fireside Holiday Show
*
*
*
Dates and details to come.
MEMBER COST
$70
NON-MEMBER COST
SAVE THE DATE FOR
Will You Receive
a Blackhawk
Community Credit
Union Scholarship?
Our 2016 Annual Meeting
Show your Blackhawk pride and attend our Annual Meeting:
Sunday, April 24, 2016
11:00 a.m. – 2:00 p.m.
Pontiac Convention Center
2809 N. Pontiac Drive
Janesville, WI 53545
Apply today to find out! Blackhawk
Community Credit Union will once
again be awarding over $13,000 in
scholarships to this year’s high school
seniors. Here are the details:
So, save the date – we’re excited to see you there!
• Scholarship applications are available
online at www.bhccu.org and at all
branch locations.
Announcing the Opportunity
to Run for Our Board
Blackhawk Community Credit Union is owned by our members
and governed by a member-elected board of directors. We’d like to
announce the opportunity for qualified members to run for a position
on the Blackhawk board! We invite any interested party to contact
our Nominating Committee through Colleen Curtis-Trappe, Executive
Assistant, at ccurtistrappe@bhccu.org or by calling 608-314-1101.
Lost/Replacement Debit
and Credit Cards
• Eligible applicants include seniors
at high schools in Rock, Dane,
Jefferson, Walworth, Green, Kenosha,
Racine and Waukesha Counties in
Wisconsin, as well as Winnebago and
Boone Counties in Illinois.
• Applicants must be members of the
credit union to be eligible.
• Applicants will be chosen based on
their overall academic performance,
references and written essay.
• Applications must be received by
March 31, 2016, for consideration.
Please note that effective February 1, 2016, there is a $10.00 fee to
replace a Blackhawk debit or credit card.
The Scholarship Committee will
review all applications and select the
recipients. Apply now for this fantastic
opportunity for your future!
Sherri Stumpf, CEO
sstumpf@bhccu.org
Senior
Management
Team
Matt Wohlers,
SVP Finance/Administration, CFO
mwohlers@bhccu.org
Caroline Redmann, SVP Operations, COO
credmann@bhccu.org
David Schalk, SVP Lending, CLO
dschalk@bhccu.org
Smart Advice. Friendly Service. Locally Owned.
608-755-6065 • 800-779-5555
www.bhccu.org
Lisa Palma, SVP Member Experience, CXO
lpalma@bhccu.org
Federally
Insured
by NCUA
Branch Locations
Janesville – Westside
2640 W Court St
608-755-6065
Janesville – Eastside
2704 E Milwaukee St
608-755-6065
Janesville – Northside
3012 Deerfield Dr
608-755-6065
Edgerton
617 N Main St
608-884-3351
Delavan
1116 E Geneva St
262-728-8686
Stoughton
1525 US Hwy 51-138
608-873-3929
Milton
701 S Janesville St
608-755-6065
Beloit
500 Public Ave Ste 101
608-755-6065