TURN BLACK FRIDAY GREEN! - Bayer Heritage Federal Credit Union

Fall
2014
News and Information from
Bayer Heritage Federal Credit Union
MemberFocused. ServiceDriven.
Make Your Holiday Spirits Bright with
Some Extra Green!
International
Credit Union Day
Every year for International Credit
Union Day, the credit union
donates to our local communities.
Stop by any branch location on
October 16 to enter our drawing for
a chance to win $25.00.
At the credit union, you are never a
number. You are a member and we
are here to serve you!
We’re Celebrating Black Friday All Week! Our Black Friday Offers
will run Monday, November 24 – Friday, November 28. (We will be
closed Thursday in observance of Thanksgiving Day and open normal
business hours on Friday.) Check our website, www.bayerhfcu.com,
and Facebook page in the upcoming weeks for more information on
how Bayer HFCU will be “Santa’s Helper” again this holiday season!
TURN BLACK
FRIDAY GREEN!
Member F ocused . Se rv ice Driven
On October 16, 2014
Bayer HFCU and credit unions
in 100 countries
will celebrate International
Credit Union Day. We will
celebrate the theme “Local
Service, Global Good”. Credit
unions continually demonstrate
their ability to improve the
lives of individuals, families
and communities. Bayer HFCU
continues in this tradition by
offering unmatched member
service and competitive share
and loan rates.
Check Out Our Holiday Savings Specials!
We’re gearing up for the kick-off of the 2014 Holiday Shopping
Season with special offers that have Santa himself taking a
second look! Before you make that run to the mall or click
“Submit” when online shopping, be sure to stop by your local Bayer
HFCU branch office and take advantage of our exciting deals. With
special rates on loans and savings and exciting drawings, we’re all
about helping Santa AND you enjoy a terrific holiday season!
CELEBRATE BLACK FRIDAY ALL WEEK
{ 11/24 - 11/28 }
CLOSED THANKSGIVING DAY
Dash In for the Deals and Savings Today!
~ 0% APR Santa Helper Loans
~ 3% Share Certificate Sale
~ Shop with your debit card for a chance to WIN!
Member Focused. Service Driven
ManagerMinutes
Grow With Your CU
At Bayer Heritage Federal Credit Union, we know that
our younger generation of members are just starting out
in the world of financial responsibility. We know when
you are young a few mistakes will be made along the
way. However, we want you to know that you are in the
right place when you choose BHFCU as your financial
institution.
We are people helping people, and when you are just
starting off things are not always easy—but we understand
that. BHFCU wants to be there for you every step of
the way. We have student loans to help you through
school; unbeatable rates on auto loans to get you into an
affordable car; and the latest mobile apps to keep you
connected to your account on the go!
When you have questions, we are here to help. Online,
on the phone, or at your local branch—we want you to
feel comfortable seeking help from us. When it is time
to start thinking about buying a home, getting married,
or starting a family—talk to one of our Member Service
Representatives to help get you started. The tools we have
to offer at BHFCU can help you through every different
stage of life.
Robert (Bob) D. Burrow
President/CEO
Bayer Heritage Federal Credit Union
Take a break this WINTER!
Our Winter Skip-A-Payment program can help with whatever your needs may be - holiday gifts, entertaining, heating
bills and more. This means we’re offering you a “break” from your loan payment! You may skip either your November,
December or January payment on your Credit Union loan(s).
Skipping a payment is like “making a loan to yourself.” Use the extra cash for monthly bills, or some winter fun – it’s
up to you! It’s our way of thanking you for your loyalty, and telling you how much we appreciate your membership!
WINTER SKIP-A-PAYMENT RULES
1. A fee of $35.00 per loan request is required to process your Skip-A-Payment application. Please mail a check for the
total fee with your request. If a check is not included with your request, your application will not be considered.
2. Loans cannot be past due at the time of request. All Real Estate Loans (i.e., Home Equity Lines of Credit, Home Equity
Loans, Mortgages, Home Improvement Loans, etc.) are not eligible. Application and approval is required for all skipped
payments. To be eligible for this special offer, all credit union accounts must be in good standing and have made at least
6 monthly payments. All applications are subject to the Credit Union’s final approval.
3. Applications should be received at least five business days prior to loan due date. Interest will continue to accrue on
unpaid balances through skipped payment period.
WINTER SKIP-A-PAYMENT APPLICATION
Name ________________________________________________________________ Account #____________________________
Loan Type ______________________ Payment Amount __________________ Skip:
(re: Auto)
❏ Nov. ❏ Dec. ❏ Jan. (check one only)
Loan Type ______________________ Payment Amount __________________ Skip:
❏ Nov. ❏ Dec. ❏ Jan. (check one only)
(re: Auto)
Is the payment automatically deducted?
❏ Yes ❏ No
Transfer $35 fee from:
❏ Share Savings ❏ Checking
Signature Joint Signature (if applicable) _______________________________________________________________________
Skipped payments do not extend the term of any credit insurance policy you may have obtained through the Credit Union as part of your loan. By signing
above, you authorize Bayer Heritage Federal Credit Union to extend the due date of your final loan payment by one month.
Interest will continue to accrue on unpaid balances through skipped payment period.
If your application is denied, any processing fees you submitted will be reimbursed to
your Share Savings Account.
Please Help Us Honor Our Military
This Veterans’ Day
Bayer HFCU offers our heartfelt thanks to the men and women who have served, or are currently serving, our
country in the Military. During the first two weeks of November, to commemorate Veterans’ Day, we will be showing
a slideshow with photos and brief descriptions of military service on the TV displays in our branch lobbies and on
our BHFCU Facebook page. We’re asking for your help in making this tribute a success.
If you or a member of your family served or is serving in the Military, please use the form below, stop by one of
our locations, or go to www.bayerhfcu.com to print out a form. There are two ways to submit your photo and form:
Electronically through email with a JPEG image file or through the mail. Please return your form along with a COPY
of your photograph (original photos will not be accepted) by October 15, 2014 to marketingdepartment@bayerhfcu.
com or mail to: 17612 Energy Road, Proctor, WV 26055.
Check us out on Facebook, where we will post additional information about our Veterans’ Day Slideshow.
Honoring Our Military 2014
Rank ___________________________________________________________________
Name __________________________________________________________________
Serving Out Of (Base) ____________________________________________________
Branch _________________________________________________________________
Select One:
Currently Serving
❒
Veteran
Please return your
order form along
with a COPY of
your photograph
(original photos will
not be accepted) by
October 15, 2014
❒
Mail form and copy of photo by 10-15-14 to: Bayer Heritage FCU, 17612 Energy Road,
Proctor, WV 26055 Or email to: Marketingdepartment@bayerhfcu.com
Dormant Account Alert: For Your Protection
In our efforts to remain proactive in protecting our
members and our organization from fraud, we continue
to make changes to our procedures. To help Bayer
Heritage FCU safeguard you and your accounts, it is
important that your accounts remain active. Dormant
accounts are much more susceptible to fraud, as
members are not reviewing or accessing them on a
regular basis. Fraudsters target accounts like these.
Other financial institutions have seen increasing
attacks via their online banking and audio phone
banking systems. For this reason, we are making some
procedural changes in these areas. If you do not log into
your account(s) via online banking (CU@Home) or audio
phone banking (Direct Connect 24 Hour Teller:
800-695-8519 Option 7) within any 90 day period of
time, these services will be disabled on your account.
Your account will still be accessible from any of our
offices or ATMs and you can reactivate these services at
any time by contacting the credit union or stopping by
our nearest location.
Please know that it is imperative that we take these
steps to stay ahead of the fraudsters and to do
everything in our power to protect the assets of our
members and our organization. While we want to make
things as convenient as possible for you, our valued
members, we do not want to make ourselves susceptible
to fraudulent assaults. We appreciate your patience and
understanding as we move forward with these protective
measures. Please contact Member Services at
1-800-272-6003 x1477 with any questions.
How to Get in Touch With Your
Credit Union
Offices (304) 455-4029
Toll-free (800) 272-6003
Member Services (Savings,
Checking, and Transfers) – Press 2
Toll-free Direct Connect
(800) 695-8519
Mortgage Loans – Press 3
Consumer Loans – Press 4
When listening to the opening
greeting press the following keys to
reach that department:
Collections – Press 6
Card Services (Credit and Debit
Cards) – Press 1
Direct Connect (24 hour
Teller) – Press 7
(304) 455-6548
(304) 455-4029 - Option 7
CalendarOF Events
SC MEMBER APPRECIATION DAY
Saturday, October 4
ZANESVILLE, OH MEMBER APPRECIATION DAY
Friday, October 10
COLUMBUS DAY
Monday, October 13
Credit Union will be closed
INTERNATIONAL CREDIT UNION DAY
Thursday, October 16
BAYTOWN, TX MEMBER APPRECIATION DAY
Thursday, November 6
Important IRA Notice
VETERANS’ DAY
Tuesday, November 11
Credit Union will be closed
THANKSGIVING DAY
Thursday, November 27
Credit Union will be closed
CHRISTMAS EVE
Wednesday, December 24
Closing at noon
CHRISTMAS DAY
Thursday, December 25
Credit Union will be closed
NEW YEAR’S EVE
Wednesday, December 31
Closing at noon
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 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. © 2001, CUNA Mutual Group
Presort Standard
U.S. Postage
PAID
Farmington, ME
Permit No. 30
17612 Energy Road
Proctor, WV 26055
Phone: (304) 455-4029
Toll-Free: (800) 272-6003
Fax: (304) 455-6781
bayerhfcu.com
EQUAL HOUSING
OPPORTUNITY
A Better Benefit for You
and Your Employees!
Please Welcome Our Newest Preferred
Partners:
Have you heard? It’s free to become a Business
Partner with Bayer Heritage Federal Credit
Union. As a Business Partner, you will offer
your employees an exceptional benefit with
our unmatched, personalized services and
superb financial products. Many individuals are
unable to join a credit union due to eligibility
requirements, but as a Business Partner you
will provide access to credit union membership
and services to all of your employees. For
more information, please call our Business
Development Officer, Alicia Martin, at
800-272-6003 x1920, or go to
www.bayerhfcu.com to apply online.
Grand Vue Park
Isaly Fitness Center
Solutions 4 Networks
Calgon Carbon Corporation
IFCO Systems
FJC Security Services
Enerflex
Xpressive Graphix LTD
Bishop Donahue High School
The Fountain Group
The City of Zanesville
Sleep Inn and Suites
Y Bridge Broadcasting, Inc.
Willbros Group Inc.
Roughneck Firearms
Valley Harley-Davidson Shop
Valley Harley Davidson
Wheelcraft
Split Ends
Cameo Florist and Gifts