The Coastal News - First Coast Federal Credit Union

The Coastal News
Exclusively for First Coast Credit Union Members
2ND ANNUAL BEAT THE HEAT!!
SPECIAL ONE DAY FINANCING…
FRIDAY, JUNE 17TH
the last business day before
summer begins on Sunday. is your chance to borrow up to $4,000.00
This
for up to 36 months with rates starting as low as
*4.00% Annual Percentage Rate
There are three easy ways to apply: Call the office
at 904-387-5660, stop by the office or complete an
online application at www.firstcoastfcu.com
Event starts at 8:00 AM. Every two hours rates
will increase until they are back to our normal
rates. The earlier you submit your application,
the better rate you will get.
Stop by for a
hotdog, drink & chips
between
11:00 AM - 2:00PM
*Rates are based on beacon score and term of the loan. Total
unsecured/personal loans cannot exceed $10,000.00. New money
loaned, not subject to refinances. Other restrictions may apply.
Vacation Club disbursements will be on
Tuesday, May 10, 2016. Disbursements will be
made to your share draft/checking accounts. If
you do not have a share draft/checking account, it
will be disbursed to your share/savings account.
April, May and June 2016
Do you find yourself short on cash and seeking
help from high priced check cashing institutions?
STOP…………………….
Turn to your Credit Union and take advantage of
our “PAL” program. See if our Payday Alternative
Loan is the answer for you. Get the money you
need quickly and easily, even if we have not been
able to help you in the past! Some restrictions
apply; call the Credit Union for details.
This loan product helps you build your credit as well!
Effective April 1, 2016 through June 30, 2016
– Refer a new family member or eligible co-worker
and have your name entered into our “Summer
Basket of Fun” prize package valued at $100.00.
Drawing to be held July 6, 2016.
KEEP YOUR CREDIT UNION IN MIND FOR
YOUR 2015 IRA TAX CONTRIBUTION;
YOU HAVE UNTIL APRIL 18, 2016.
Check with your tax advisor to see how
this can benefit you. We also have Roth IRA’s available.
DIVIDENDS PAID FOR MARCH 31, 2016
Type Minimum Balance
SHARE/SAVINGS
$100.00
KIDS CLUB
$ 5.00
CHRISTMAS CLUB
$100.00
VACATION CLUB
$100.00
APR
.25% APR
.30% APR
.30% APR
.30% APR
WE HAVE SOME OF THE BEST RATES IN TOWN
ON CERTIFICATES AND IRA’S. CALL FOR CURRENT RATES.
We would like to welcome, Josh Whitley as a
member of the First Coast Federal Credit Union
Supervisory Committee.
Exclusively for First Coast Credit Union Members
APY
.25% APY
.30% APY
.30% APY
.30% APY
The Coastal News
IRA WITHHOLDING NOTICE
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.
Auto INSURANCE
You could save on Your
CAR insuRAnCe
Exclusively for credit union members
Call for your FREE, no obligation quote.
Toll-free
1-888-380-9287
Visit us at TruStageAutoHome.com
You want car insurance that you can depend on and rates you can afford. On
average, members who switch save up to $427.96*. Make a simple phone call
today to determine the discounts you qualify for.
TruStage™ Auto & Home Insurance program is offered by TruStage Insurance
Agency, LLC and issued by leading insurance companies. The insurance
offered is not a deposit and is not federally insured. This coverage is not sold or
guaranteed by your credit union. *Figure reflects average national savings for
customers who switched to Liberty Mutual’s group auto and home program.
Based on data collected between 9/1/2012 and 8/31/2013. Individual
premiums and savings will vary.
AHE, AHL-960449.1
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.
We now accept payments
over the phone using
your MasterCard Debit
and Credit and Visa Debit
Cards. Small convenience
fee will apply; call for
details.
EFFECTIVE JUNE 1, 2016
all dormant accounts
(accounts with no
activity for 24 months)
will be charged a $5.00
per month dormant fee;
please make a deposit or initiate some type of
activity to your account within 24 months to avoid
this fee.
THOUGHT
OF
THE DAY
Financial Independence is the
ability to live from the income
of your own personal resources.
~John Rohn
Our general email address has changed……
please use: contact@firstcoastfederalcu.com
save on Sprint services and fees
all at lovemycreditunion.org
We may report information
about your loans, shares or
deposit accounts to the
Credit Bureaus.
Late payments or other defaults on your
accounts may be reflected in your credit report.
Exclusively for First Coast Credit Union Members
The Coastal News
Credit Union
Bill Pay is free!
New and Used vehicles
start as low as * 1.74% APR
for up to 36 months.
Don’t risk putting your
account information in
several different websites,
set up your account today!
Call us today for your rate and term.
Visit us at www.firstcoastfcu.com
* Rates determined by beacon and term of loan.
DON’T FORGET OUR SUMMER SKIP A
PAYMENT PROGRAM IS JUST AROUND THE
CORNER….
81ST ANNUAL MEETING
Thursday, May 12, 2016
First Coast Federal Credit Union* 3040 Edison Avenue,
Jacksonville, Florida 32254
This year, the following Board of Directors terms expire:
Start making plans for the summer. For a fee of $30.00 per loan, you can be
payment free for the month. This offer is good for the July payment only. Just
complete the attached form and return it to the Credit Union office
Member Name: ____________________________________
Account #: _______________________________________
I would like to skip my July payment as follows:
Loan #___________ Loan Due Date_____________________
Loan #___________ Loan Due Date_____________________
Loan #___________ Loan Due Date_____________________
Member Signature:__________________________________
Richard Tipping, Jr.
Obie Donaldson
If you are interested in serving on the Board of Directors,
please contact one of the following members of the
nominating committee:
Elizabeth Ford 904-424-2092
Harold Richardson 904-545-0248
Ted Williamson 904-394-7948
Please RSVP NO LATER THAN APRIL 30, 2016
Co-Signer Signature/Joint Applicant Signature:_________________
Cut along dotted line and return to the Credit Union to
confirm your reservation. We must have a reservation in
order to prepare the food.
............................................................................................
Date: _______________
Member name(s) ________________________________
Date: _______________
Terms of offer: Skip a payment request is based on approval criteria established
by the Credit Union. You must be a member in good standing and all loan
payments must be current to qualify. You must to have made a minimum of
three months consecutive payments to apply. Please note that the acceptance
of this offer will extend the term of the loan and interest will continue
to accrue at its normal rate. This may also affect your GAP insurance
protection. Other restrictions may apply. Real Estate loans and single payment
share/certificate loans , holiday helper loans are not eligible.
Guest Name ____________________________________
Account number(s)_______________________________
You must be a member to be eligible for door prizes or
voting. Joint owners and guest are not eligible. Now is
the time to open an account in your name and become
a member. Please note that if you make a reservation
and do not attend, your account will be charged a $10.00
service charge. Reservations will not be taken over the
phone.
Exclusively for First Coast Credit Union Members
The Coastal News
First Coast Federal Credit Union
PO Box 37545
Jacksonville, Florida 32236
3040 Edison Avenue
Jacksonville, Florida 32254
HOURS OF OPERATION
Monday – Thursday: 8:00AM - 4:30PM
Friday: 8:00AM - 5:30PM
24/7 HOUR A DAY AUDIO TELLER SERVICE AVAILABLE 904-387-5660 OR 1-800-393-8578
BOARD OF DIRECTORS
Marsha P Hart Don Eshelman Obie Donaldson
Roland Crews
Richard Tipping
Tony Kight
John Russell
Josh Whitley
President
Vice President
Treasurer
Director
Director, Supervisory Committee Chairman
Supervisory Committee member
Supervisory Committee member
Supervisory Committee member
OFFICE STAFF
Susan L. Cantrell
Amy Crouch
Courtney Ryan
Stacey Hires
Manager
Asst. Manager
Loan Processor
Teller/Customer Service Representative
CONTACT INFORMATION
Phone number: 904-387-5660 • Fax number: 904-387-6894 • Toll free: 1-800-393-8578
Lost/Stolen MasterCard: 1-800-299-9842
Lost/Stolen Debit Card: 1-800-500-1044
General Email: contact@firstcoastfederalcu.com
Website: www.firstcoastfcu.com
HOLIDAY CLOSING
Monday, May 30, 2016
Monday, July 4, 2016
Monday, September 5, 2016
Monday, October 10, 2016
Friday, November 11, 2016
Thursday, November 24, 2016
Friday, November 25, 2016
Monday, December 26, 2016
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Special Holiday Hours
Christmas Day