Layout 1 copy - Franklin Trust Federal Credit Union

FRANKLIN TRUST FEDERAL CREDIT UNION
Serving Our Member-Owners Since 1934
FALL/WINTER 2013-14
Check out our great rates inside!
Franklin Trust FCU Expands to Community Charter;
More People in Hartford County Can Now Join
We recently expanded our field of
membership with a Community Charter.
·
Franklin Trust Federal Credit Union
Annual Meeting & 80th Anniversary Grand Gala
Friday, June 20, 2014 Starting at 7 p.m.
Everyone who lives, works, worships, or
attends school in Hartford County is now
at Ann Howard at the Bond
eligible for membership!
338 Asylum St., Hartford, CT
Hold the Date! Details to Follow!
Previously, we were a SEG (Select Employee Group) based credit
union, whereby only individuals affiliated with a company or
group that had signed on with us could become member-owners.
Effective with the expansion, our Downtown Hartford branch
(277 Asylum Street, across from the XL Center) extended its office
hours. The branch is now open Mondays, Tuesdays, Thursdays
and Fridays from 8 a.m.-5 p.m., as well as Wednesdays from
10 a.m.-1 p.m.
The charter change was in response to the increased demand
for our many products and services. More individuals and their
Win $80!
In recognition of our 80th Anniversary in 2014, find the birth date
hidden in this newsletter. If it’s yours and you’re the first caller,
families will now be able to avail themselves of what we have to
you’ll get $80 deposited into your FTFCU share account!
offer — and improve their financial status.
SKIP-A-PAYMENT!
Thank You for your
loyalty and support!
You can skip your Personal or Auto loan payment in the month of December and/or your Home Equity
Loan, HELOC, or Mortgage payment in December and/or January. You must have been on time for all
payments in the last 12 months and interest will continue to accrue. Just complete the form below.
Return this form completed by December 15, 2013. If you’re approved, we’ll send you a Skip-a-Payment form to sign.
Yes! I want to
SKIP-A-PAYMENT
on my loan*:
Personal or Auto Loan
December 2013
Home Equity, HELOC,
or Mortgage
December 2013
January 2014
Processing fee is
$45.00 per loan per month.
Name ______________________________________________________________________________________________________
Street ______________________________________________________________________________________________________
City/State/Zip ______________________________________________________________________________________________
Phone (Daytime) ____________________________________ (Evening) _______________________________________________
FTFCU Acct. No. ____________________________________ Suffix(es) ______________________________________________
PAYMENT OPTIONS
Enclosed is my check payable to Franklin Trust Federal Credit Union for $_______________________
*
Please deduct $_____________________ from my:
Share Account
Share Draft Checking Account
Drop off form at any FTFCU office or fax it to (860) 761-1980 or mail it by December 15, 2013 to: Franklin Trust Federal Credit Union,
632 Franklin Avenue, Hartford, CT 06114. Questions? Please call our Loan Dept. at (860) 296-4379, ext. 1907 or 1914.
Now & Later Holiday Loan
Celebrate now and pay back next year! Plus…NO PAYMENTS TILL SPRING!1
Open a Holiday Club with Payroll Deduction or
Direct Deposit and Take 1/2 Percent OFF Your Rate!
A “Now & Later Holiday Loan” from Franklin Trust
will help you cover your holiday expenses for just about
anything you need. Borrow now to set your plans in motion and
MAKE NO PAYMENTS UNTIL SPRING for those who qualify.
Term
With Holiday Club
Without Holiday Club
12 Months . . . . . . .8.49% APR . . . . . . . . . .8.99% APR
2
2
24 Months . . . . . . .9.49% APR . . . . . . . . . .9.99% APR
2
2
Available through December 31, 2013
Contact us online at www.franklintrust.org. Or apply with our 24-hour Loan Line
at (860) 296-4379. Or visit any of our offices.
payment due March 31, 2014. 2APR = Annual Percentage Rate. Rates and terms subject to change without notice. Rates shown are for Club 75 Platinum level members; rates
for other members will be higher. Rates quoted are with Payroll Deduction; 2% higher without Payroll Deduction. For every $1,000 borrowed at 9.49% APR for 12 months, the monthly
payment would be approximately $87.92. Equal Opportunity Lender.
1First
Auto Loans
HOME EQUITY
LOANS
as low as
2.49
%
as low as
APR
1,2
SPECIAL
REFINANCE
OFFERS
2.99
%
APR
Home Equity
LINES OF CREDIT
available, too!
Refinance loans from
Call for details!
another financial institution
with us and receive cash:
Heating Helper Loans
• $300 PAID ON A
HOME EQUITY LOAN
($50,000 or more)
• $200 PAID ON
AN AUTO LOAN
($20,000 or more)
• $100 PAID ON
AN AUTO LOAN
($10,000 or more)
It pays to refinance
with FTFCU!
35,000
Surcharge-Free ATMs
Franklin Trust members
can access over 35,000
surcharge-free ATMs across the
country! To find those
nearest to you, just log on to our
website (www.franklintrust.org)
and click on the CO-OP and
SUM logos near the bottom of
our homepage.
1,2
as low as
8.99
%
APR
1,2
VISA Card
SPECIAL VISA
INTRODUCTORY &
When holiday shopping,
remember to take your
Franklin
Trust
VISA
debit/credit card with you!
If you’ll be traveling, let us
know so your card won’t be
blocked.
BALANCE TRANSFER RATE:
4.75
%
APR1
with payroll deduction,
2% higher without payroll
deduction. Offer good for
Don’t have a card? Sign up
today to receive our special
introductory rate!
first 9 months!
Current Franklin Trust VISA
Cardholders: Transfer $2,500
minimum from another
lender to your FTFCU VISA
account to receive our
special rate!
As
Low
As
Loan!
VISA CREDIT CARD RATE
9.9
%
APR1
(Contact us for details!)
1
APR
2
Rate shown is for Club 75 Platinum level
=
Annual
Percentage
Rate.
members; rate for other members will be
higher. All rates are subject to change. Auto
Save money versus others’ Pay Day Loans! Loans range from
Loan, Heating Helper & VISA rates are based
$200-$1,000, with terms up to six months. For details, please call
tion. Please call our Loan Dept. at (860)
(860) 296-4379 and ask for our Loan Department.
on payments made through Payroll Deduc296-4379, ext. 1907 or 1914 for updates and
information.
“Preferred Checking”
Benefits
NO monthly service charge!
NO per-check charges! NO minimum
balance requirement! No cost for online
statements or online check images!
Unlimited debit card use! We even pay for
your check reorders! You get all this –
and more – by having Direct Deposit of your net
check to Franklin Trust. Sign up today!
NEW! Wi-Fi & E-Alerts
Complimentary Wi-Fi is now
Sign up for E-Alerts to receive
available at our Main Office.
an update of any balance
For set-up details, please see
changes on your account via
a Member Relationship Rep
email or text message. There is
during your visit to the office.
no charge for this service.
Bill Payer & NetTeller
Bill Payer lets you to pay your bills online,
saving you both time and postage costs!
You control the timing and amount of
your payments. Bill Payer is free when
you have Direct Deposit, otherwise there
is a nominal monthly fee.
NetTeller is our free online banking service! It allows you to check
your balances, make transfers, print cleared share draft images,
and more — from anywhere that you have internet access!
YOUTH ACCOUNTS
On the Move?
Keep in touch via “FRED”!
Open a share/savings account for your children
or grandchildren to show them the long-term
benefits of saving. The standard $10 one-time
Franklin Remote Electronic Deposit
membership fee is waived for individuals aged
With “FRED on the Move”, our
18 years or under. Ask us about the special
newest mobile electronic deposit
offers that are available for your child’s age
service, you can take a picture of your
group, too!
check with your smartphone and deposit it
directly to your Franklin Trust account!
With “FRED”, you can access your FTFCU account
Shared Branching…over 5,000 locations!
via scanner from anywhere via the inter-
Franklin Trust is proud to be a part of the nationwide
net, and deposit checks, submit a loan payment — and
shared branching network. You can make deposits,
more!
withdraw cash, make a loan payment — and more —
Both services are free for qualified members! For more
at over 5,000 credit union service centers nationwide!
information, please call us at (860) 296-4379 — or stop in
and sign up today!
To locate a service center near you, simply log on to our
homepage (www.franklintrust.org) and click on “Shared
Service Centers”. Remember to bring your photo ID
VISA
GIFT
CARDS
®
Simplify your holiday gift-giving with
VISA Gift Cards! They can be used
wherever VISA is accepted. Cards cost as
low as $3.50, depending on your Club 75 level.
and FTFCU member/account number with you.
“CLUB 75” SAVES YOU $$$!
Club 75 points are automatically awarded depending
on the Franklin Trust products and services you use.
The more you use, the more you save! Maximum
benefits are achieved when you reach our Platinum
level, which is 75 points.
With Club 75, you can earn up to .75% deducted from
your new loan rate (VISA, Qwik Cash, Home Equity, HELOC &
Overdraft Protection excluded)
and/or up to .75% added to
your new certificate rate. You can also enjoy free or
discounted costs on VISA gift cards, traveler’s checks,
GAP Insurance, and money orders - and more!
Club 75 began back in 2009, in conjunction with our
75th Anniversary. For more information or to check
your Club 75 level, stop by any of our offices or
call us at (860) 296-4379.
I've been with Franklin Trust for over 10 years! I was introduced by my
Financial Reality Fair:
Helping Students Succeed
mother, who was a member until she passed in 2008. Now most of my
Over 550 students from 22 Connecticut high schools attended
family banks at Franklin Trust — and it feels just like an extension of
this year’s Financial Reality Fair that was held in March at
my family! I make it my business to walk into a branch when possible,
Central Connecticut State University in New Britain.
just to see my favorite teller, Ms. Candace Moore, and the other friendly
Sponsored by the Credit Union League of CT, the Fair
employees. It means something extra when you love the people you
afforded youngsters the opportunity to learn about the
trust your money with!
many challenges of living within a budget.
I can also count on them to point me in the right direction as far as my
Franklin Trust’s President, Kiernan J. Dubay, and VP
accounts are concerned. They never leave me with a question unanswered,
Operations, Dawn Malave, both volunteered to work at the
are always polite, and prompt!!! I think more people would feel comfort-
Fair. It marked the third time our credit union has participated
able with financial institutions if they followed Franklin Trust Federal
in the event. In addition, Franklin Trust provided bus
Credit Union's blueprint! Thank you for making my banking needs your
transportation for students from Bulkeley High School
Some Nice Comments from Our Members…
personal business! I'm always treated like a STAR!!!!
— F.W., West Hartford, CT ~ Member since 2002
and High School, Inc., so that they could enhance
their financial skills.
I have been a Franklin Trust Federal Credit Union member for
15 years. I love their great loan rates and banking services.
Their Christmas and vacation clubs are the best!
Whenever I needed a car loan, personal loan, or
vacation loan, Franklin Trust has always been
“Once a Member, Always a Member”
Always keep your membership in Franklin Trust, even if
you move or change jobs! You can easily access your
there for me. I always tell my co-workers and
accounts remotely via our many electronic conveniences!
friends to go to Franklin Trust for the best rates!
By maintaining your membership, you’ll have the ability to
— M.R., Waterbury, CT ~ Member since 1999
compare our products and services with others’ — and
choose what’s best for you!
“Once a Member, Always a Member”
is an important benefit of your credit union membership!
Save up to 20% on the Cost of Your Electricity!
Franklin Trust Federal Credit Union wants you to pay a lot
less for electricity. In Connecticut, you can now save up to
20% on the generation portion of your electric bill.
Enrollment is FREE, easy and there’s NO CATCH!
Sign up by going to www.franklintrust.org and click on the “Discount Power”
button on our home page. All you need is a copy of your electric bill. Simply fill
out the residential enrollment form and submit your application. An email from
Discount Power will provide a link to confirm your enrollment. Your request is
then submitted to your utility provider to let them know you have switched your
generation provider. On the next meter read date, the change will go into effect. You
will see the savings on your bill once you have gone through a full meter read cycle.
Save with Sprint!
Both new and existing Sprint customers can
Of course, you are welcome to bring your electric bill to any Franklin Trust office.
We would be glad to answer any questions and help you sign up.
Sign up today – and start saving!
save 10% off most regularly priced Sprint
To Our Member-Owners:
individual service plans! Enjoy other exclusive
Thank You!
offers that only credit union members can
Especially during this
receive, too!
holiday season, we extend
Three Ways to Get Your Discount:
a warm “Thank You” to all
- Call 877.SAVE.4CU (877.728.3428) and let
our member-owners. We
them know you’re a credit union member. Ask
sincerely appreciate your
to be a part of the NACUC_ZZM Corporate ID
business and continued
to save
faith in us.
- Click www.SprintSave4CU.com
Since 1934, Franklin Trust has
- Visit your nearest Sprint store
How Can
We Improve?
Please share your
thoughts on how we
can improve our
credit union.
Simply deposit your
ideas in the Suggestion
Boxes in any of our
offices, or email them
been a stable, dependable and
directly to our President,
trustworthy financial institution. As the
Kiernan J. Dubay, at
nation’s fourth-oldest federal credit union, we
kdubay@franklintrust.org.
exist to serve our member-owners. We are here
Thank you!
for you now, as we have been in the past —
and will be in the years ahead. 4/19
Employee
Spotlight
Maria Pia Munoz
A 2012 UConn graduate with a degree in Psychology, Maria Pia Munoz is currently
working towards her Master’s degree in Marriage and Family Therapy at the University
of Saint Joseph in West Hartford.
Known to her friends by her middle name, Pia was born in Lima, Peru. Some nine years
ago, her family relocated to West Hartford, where she graduated from Conard High
School in 2008. Just a year after graduation, she joined the staff at Franklin Trust.
Initially a teller, Pia now works at the front desk at our Main Office, where she answers
the phone, opens new accounts, and provides outstanding service to our member-owners.
What does she enjoy doing when not at work? “I really LOVE to travel,” says Pia, her eyes lighting up. Europe,
Peru, Canada, and a host of states in the U.S. - including Washington - are some of the places she has visited.
“I also like to walk my dog,” she adds of her daily strolls with a friendly dachshund named Lukas.
What does Pia like best about being at Franklin Trust? “The people I work with,” she says. “They’re very
helpful and friendly.” Our member-owners and staff would say much the same about the personable Pia!
Franklin Trust Federal Credit Union
Main Office
632 Franklin Avenue
Hartford, CT 06114
Serving Our Member-Owners Since 1934
Everyone
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Tell a
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Also visit us at…
Downtown Hartford Office 277 Asylum Street (at High School, Inc.)
www.franklintrust.org
Winner
Like us on
Follow us on
facebook!
twitter!
Holiday Schedule
Member Services
THANKSGIVING HOLIDAY
SAVINGS
LOANS
ADDITIONAL SERVICES
Open until 4:30pm on Wednesday, Nov. 27;
Closed Thursday, Nov. 28 through Sunday, Dec. 1
Share Savings Accounts
Home Equity
Checking Accounts
CHRISTMAS HOLIDAY
Gold Star Money
Market Accounts
Home Equity
Line of Credit
Direct Deposit
of Net Check
Payroll Deduction
NetTeller
Internet Banking
Moblie Banking
Shared Service
Centers
“FRED” Franklin Remote
Electronic Deposit
“FRED on the Move”
Mobile Electronic
Deposit
On-Line Bill Payer
VISA Classic, Gold &
Platinum
VISA Debit Card
VISA Gift Card
E-Statements
E-Alerts
Closed Tuesday, Dec 24 through Thursday, Dec. 26;
Open Friday, Dec. 27;
Closed Saturday, Dec. 28 & Sunday, Dec. 29
Mortgages
Term Share Certificates
Automobile
Individual Retirement
Accounts (IRAs)
Personal
Closed Wednesday, Jan. 1;
Open Thursday, Jan. 2 & Friday, Jan. 3;
Closed Saturday, Jan. 4 through
THREE KINGS DAY, Monday, January 6
Christmas/Holiday Club
Accounts
Heating Helper
MARTIN LUTHER KING, JR. DAY
Coverdell Education
Savings Accounts
NEW YEAR’S HOLIDAY
Closed Monday, January 20
PRESIDENTS’ DAY
Closed Monday, February 17
GOOD FRIDAY & EASTER HOLIDAY
Closed Friday, April 18 through Sunday, April 20
Vacation Club Accounts
Health Savings Accounts
Lifestyle
Second Chance
Qwik Cash
Overdraft Protection
Quinceanera
Youth Accounts
March Club
Summer FUNd Club
VISA Club Accounts
Contact Us
MAIN OFFICE
632 Franklin Avenue, Hartford, CT 06114
Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m.
Wed.: 10:00 a.m. - 1:00 p.m.
Thursday: 7:00 a.m. - 6:00 p.m.
Saturday: 9:00 a.m. - 12:00 p.m.
Sunday: 1:00 p.m. - 3:00 p.m.
DOWNTOWN HARTFORD OFFICE
277 Asylum Street, Hartford, CT 06103
Mon., Tues., Thurs., Fri.: 8 a.m. - 5 p.m.
Wed.: 10 a.m. - 1 p.m.
Fax: (860) 541-0095
The following branches are active when school is
in session (for students, staff & employees only):
BULKELEY HIGH SCHOOL BRANCH
300 Wethersfield Avenue, Hartford, CT
Wednesday: 9:00 a.m. - 12:00 p.m.
HARTFORD PUBLIC HIGH SCHOOL BRANCH
55 Forest Street, Hartford, CT
Tuesday: 1:00 p.m. - 4:00 p.m.
Thursday: 9:00 a.m. -12:00 p.m.
Audio Response
Check Images Online
Drive-Up Window
Electronic Rates Boards
Kiosks
Identity Theft Protection
Night Drop Box
Accident and Health
Insurance
Life Insurance on Loans
Long-Term Care
Insurance
Temporary Disability
Insurance
Traveler’s Checks
Financial Counseling
Notary Service
for Members
Wi-Fi
General Information: (860) 296-4379
Loan Dept. Extensions: 1907 & 1914
Audio Response Extension: 1
Toll-Free: (866) 835-8485
Fax: (860) 761-1980
Email: ftfcu@franklintrust.org
Website: www.franklintrust.org
Facebook: Franklin Trust Federal Credit Union
Twitter: @Franklin_Trust
MySpace: www.myspace.com/ftfcu
Shared Service Centers Locator:
www.co-opsharedbranch.org
Surcharge-Free ATM Locations:
www.co-opatm.org • www.sum-atm.com