2nd Quarter/April - Communities of Abilene Federal Credit Union

Spring 2010 Member-Owner Newsletter
READ IT TODAY!
Communities of ABILENE
Federal Credit Union
2010 Annual
Membership Meeting
My Bail-Out Plan
Customized by
Date:
May 6, 2010, Thursday
Time:
6:30 pm registration / 7:00 pm call to order
Location:CoAFCU Abilene Branch
3661 N 6th Street
The Communities of Abilene Federal Credit Union
(CoAFCU) 2010 Annual Membership Meeting has
been scheduled for Thursday, May 6, 2010. It will
be held at our Abilene Branch at 3661 North 6th
Street, with registration beginning at 6:30 pm and
call to order at 7:00 pm.
CoAFCU Board of Directors voting: when there
is only one nominee for each position to be filled,
elections will not be conducted by ballot and there
will be no nominations from the floor.
Absentee Ballot Vote - If you requested your
absentee ballot before the April 5, 2010 deadline,
the CoAFCU Supervisory Committee must receive
your official absentee ballot vote
no later than May 3, 2010.
In-person Ballots at the Annual Meeting Ballots will be available upon registration at the
Annual Meeting on Thursday, May 6, 2010.
CoAFCU Member Voter Eligibility - Voters must
be primary account owners, 15 years of age and
older and in good standing with the Credit Union.
We have the products you need to
build YOUR own Bail-Out Plan:
• Home Equity Loans
• Refinance Auto Loans
• Credit Card Balance Transfers
• Signature Consolidation Loans
• Savings Analysis
• Debt Consolidation
• Retirement Planning
Contact a Member Services
Representative today!
Getting letters from your bank with a credit card rate increase that’s out of this world?
If so, it’s time to switch to a CoAFCU MasterCard with rates as low as 8.9%
Visit either branch or go to www.CoAFCU.org for more information
®
APR!
Have you used our new, improved
website? Go online today...
FREE Big Country
CHECKING
Now earn more
www.CoAFCU.org
on your Big Country
Checking Account
BIG COUNTRY CHECKING offers a complete array of payment
tools including free checks, free online bill payment, and a special Big
Country rate on your credit card. With BIG COUNTRY CHECKING you
get:
FREE from monthly fees*
FREE VISA Debit Card
FREE Checks
FREE Online Banking at CoAFCU.org
FREE unlimited Online Bill Payment
PLUS no minimum balance to
EARN DIVIDENDS!
PLUS Overdraft Protection that includes an Overdraft Line of Credit
with a low 3% of balance monthly payment with a .75% APR discount
off our regular low rate of 10.00% APR.
PLUS Classic, Gold or Platinum Mastercard at a .25%APR discount
from our regular great low rates. With BIG COUNTRY CHECKING you’ll get cash back on every purchase you make. With auto pay, we’ll even chip in an additional .25% APR discount.
PLUS Unlimited FREE ATM transactions at over 25,000 CO-OP
Network ATMs. And we’ll waive four ATM transaction charges per month at ATMs not in the credit union’s network.
PLUS There’s no monthly fee with BIG COUNTRY CHECKING if you use direct deposit, our Overdraft Line of Credit, MasterCard credit card and VISA debit card.
OPEN YOUR BIG COUNTRY CHECKING TODAY!
Call, stop by a convenient branch or go online, CoAFCU.org!
Great ONLINE services
available 24/7
• Banking with eStatements
• Bill Payment Services
• MasterCard Access
• Up-to-Date Loan Specials
Loan & Savings Calculators
• Loans & Mortgages - Fast and easy applications
Membership Application
• Insurance Quotes for Homes, Loans & Automobiles
• Brokerage Services
• Newsletter, Events & Holidays
Need up-to-date
WEATHER FORECASTS
and credit union
information? CALL
(325) 672-1312
Sponsored by Communities of
Abilene Federal Credit Union
and KTXS Television
GROW MONEY FASTER with a CoAFCU Share Certificate!
If you’re investing a substantial amount of money, it’s never wise to put all of your eggs in one basket. Get
the best yield without risk to your principal by opening laddered share certificates at Communities of Abilene
Federal Credit Union. That means investing money in certificates based on how long you can wait until you
use the funds. The longer you wait to use your funds, the higher your earnings!
Contact us to open your Share Certificate and start growing your money now!
All Share Certificates available as Individual retirement Accounts (IRA’s). Rate changes weekly. For current rates call the credit union at (325) 691-2300 or check
our website, www.CoAFCU.org. A penalty may be imposed for withdrawals before maturity. 24-Month Plus Share Certificate has a one-time rate bump up feature.
Get a better
from Your Credit Union
Whether you are...
• consolidating debt;
• making home improvements;
• taking a dream vacation;
Communities of Abilene Federal Credit
Union and Big Brothers/Big Sisters would
like to send a heartfelt thank you to all the
members that skipped a loan payment this
past holiday season. With your support,
we were able to present BBBS with a check
for $21,420 during National Mentoring
Month in January!
• paying college expenses; or,
• buying a boat or RV,
we make it easy to use your home’s equity
(CASH) to make your dreams come true!
Apply for a Home Equity
Loan* today!
* Texas law requires a 12-day cooling-off period
before a Home Equity loan may be closed and
there is a 3-day Right of recission after closing
before the funds may be disbursed.
THANK YOU ALL!
Congratulations to: Ernesto Gonzales, winner of the
getaway trip to the Great Wolf Lodge.
Reg CC: Funds Availability
NOTICE: In accordance with Federal Regulation CC we need to inform you of our policy regarding your rights to draw funds against
deposits you have made to any transaction account at our institution. Our Funds Availability Policy is outlined below:
YOU SHOULD KNOW THAT:
*Immediate: Cash, Government Checks, Federal Reserve or Federal Home Loan Bank Checks, Official Checks (Cashier, Branch Checks),
Traveler’s Cheques / US Money Orders.
* Local: Checks drawn on institutions within the Federal Reserve District and do not qualify for immediate availability will be placed on a
hold for at least two (2) business days.
In some instances, checks may need to be held for longer periods of time and generally will be placed on hold for at least seven (7)
business days after the day of your deposit.
In addition, funds you deposit by check may be delayed for a longer, indefinite period under the following circumstances:
We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.
Better BANKING begins with MEMBERSHIP
If you can drive
it, we can help you buy it
cheaper and easier!
Present your CoAFCU Preferred Buyer’s Club (PBC) card (below) at
a participating dealership and APPLY AND CLOSE YOUR NEW OR
USED VEHICLE LOAN ON THE SPOT! You don’t even have to
leave the dealership to get our great-rate financing. The dealership’s finance
manager will take your application and process your CoAFCU vehicle loan all
right there - on the spot!
it!
óLow, No-Haggle Pricing
ó.25%APR Discount on CoAFCU Rates
ó“On the Spot” CoAFCU Financing
CU
or:
✯ Arrow Ford, Arrow
Chrysler/Jeepin Abilene, Texas:
PARTICIPATING
DEALERSHIPS
s
2300
U.org
ilene
✯Arrow Mitsubishi
ArrowDealerships.com
óLithia Toyota of Abilene 4449Southwest Dr
Lawrence
Hall Chevrolet/Cadillac/Pontiac/
Arrow
Ford 4001
S1st St 800-381-4302
ó✯
325-793-3000 ToyotaAbilene.com
Chrysler/Jeep/ Mitsubishi
óArrow
Buick/GMC/Lincoln/Mercury/Mazda
óMax’s Kawasaki, Honda, Yamaha, Polaris
3995 1st St 800-861-7851
941 N Mockingbird
✯Lawrence Hall - Anson
LawrenceHall.com
325-673-4636 MaxsCycle.com
Lithia Honda of Abilene
Lawrence Hall Chevrolet/Cadillac
ó✯
óMcGavock Nissan of Abilene
Toyota Dr
of Abilene
✯Lithia
1385 S Danville
325-695-8800
3550 S Clack St
Honda, Yamaha, Polaris
LawrenceKawasaki,
Hall Pontiac/Buick/GMC
ó✯Max’s
325-695-2970 McGavockNissan.com
✯McGavock
200 N Clack StNissan
325-695-8885
of Abilene
óStar Dodge-Hyundai of Abilene
Lawrence of
Hall
Lincoln/Mercury/Mazda
ó✯Saturn
5101 S 1st St
Abilene
1300 S Clack St 325-695-8811
800-933-6376 AbileneCars.com
✯Star Dodge - Hyundai of Abilene
óLithia Honda of Abilene 1395 S Danville Dr óSterling Volkswagon
Texas HondaofAbilene.com
Ford - Anson
✯West
325-793-3028
3951 S 1st St - 325-673-4663
PARTICIPATING DEALERSHIPS in the Big Country (everywhere else):
óLawrence Hall Chevrolet/Buick/
EQUAL HOUSING
Pontiac/GMC
LENDER
2120 S Commercial Ave, Anson
325-823-3261 LawrenceHallAnson.com
óWest Texas Ford
2016 S Commercial Ave, Anson
800-315-7436 WestTexasFord.com
óBlake Fulenwider Chrysler, Dodge, Jeep
110 North Access Rd, Clyde
325-893-1416 BlakeCDJ.com
óHanner Chevrolet, Pontiac, GMC Trucks
I-20 and FM 2047, Baird
325-673-6071 HannerChevrolet.com
325-854-1133
E-MAIL: CU@CoAFCU.org
ONLINE: WWW.CoAFCU.org
MAIN TELEPHONE SWITCHBOARD
(325) 691-2300 or (800) 535-2157
Hours Monday – Friday 8:30am to 5:30pm
APPLY FOR A LOAN 24/7(866) 292-7675
DELINQUENCY OFFICE (325) 691-2320
COMMUNITIES OF ABILENE
FEDERAL CREDIT UNION
DOWNTOWN BRANCH
3661 N. 6th Street, Abilene, TX 79603-5644
(325) 673-0069 Fax
Lobby Hours
Monday – Friday 9:00am to 5:30pm
Saturday: Closed
Drive-Thru Hours
Monday – Friday: 7:30am to 6:00pm
Saturday: 8:30am to 1:00pm
DYESS AIR FORCE BASE BRANCH
341 Avenue C, Dyess AFB, TX 79607
(325) 692-9571 Fax
Lobby & Drive-Thru Hours
Monday - Friday: 9:00am to 5:00pm
Saturday: Closed
MAX TELEPHONE TELLER - 24 hours, 7 days
(325) 691-2301 or (800) 231-3328
óFamily RV Center
LOST/STOLEN DEBIT OR CREDIT CARDS
Visa Debit Card
(800) 754-4128
MasterCard Credit Card (800) 442-4757
óHood King Ford
ABA/ROUTING AND TRANSIT NUMBER
311380859
6662 E IH 20 - 877-677-1401
www.bigcountryrv.com
I-20 Exit 243 West Sweetwater
325-235-4488 / www.familyrvonline.com
1308 E. Main St., Eastland
254-629-1785 / www.stanleyeastland.com
óStanley Ford/Mercury
800 NW Georgia Ave., Sweetwater
325-236-6355 / www.stanleyfordmercury.com
óStanley Chevrolet
Communities of ABILENE Federal Credit Union
BOARD OF DIRECTORS
Gerald Garrett............Chairman
Lena Moore.................Director
Carl Johnson...............Vice Chairman
Bob Sayer....................Director
Jamie Villegas..............Secretary/Treasurer
Diane Schmahl...........Director
Bill Toornburg.............Director
SUPERVISORY COMMITTEE
Paulette Whitaker................... Member
Lily Lewis................................... Secretary
3661 N. 6th Street, Abilene, TX 79603-5644
óFranklin’s Big Country RV Outlet
603 SW Georgia Ave., Sweetwater
325-235-4384
www.stanleychevroletsweetwater.com
óHanner RV Center
ADDRESS FOR CORRESPONDENCE,
DEPOSITS AND LOAN PAYMENTS
Diana Hall................................. Chairperson
CALENDAR OF EVENTS
May 6...........................................Annual Meeting
6:30 Registration; 7:00 call to order
May 29-31.......................................Memorial Day
Closed (Saturday - Monday)
July 3-5....................................Independence Day
Closed (Saturday - Monday)