1. finance
2. bank
3. bank account

Elected & Appointed Officials
Board of Directors
Vincent G. Ripoll..................... Chairman
Coynie Hulon ............... Vice Chairperson
Morris B. Stringer....................Secretary
David A. Womack.................... Treasurer
Rebecca Bright.................... Membership
Ed C. Marshall ......................... Member
James L. Metcalf........................Member
Gary B. Poole ............................Member
Paschal L. Hughes..................... Member
Supervisory Committee
Richard M. Price..............Chairperson
Paschal L. Hughes......................Member
Will Willis..................................Member
Employees
Tangela S. Souders................... President
Terry Ethridge.................. Vice-President
Nikki Johnson..........Accounting Manager
Louise W. Bass………….…Br. Manager
S. Ladonna Bales.................Br. Manager
Rhonda Smith......................Br. Manager
Rebecca Thomas.................... Loan Clerk
Ethel M. McGriff........... Collections Mgr.
Lisa Merritt......................Frontline Mgr.
Amanda Cook.................................Teller
Chrysta Standifer............................Teller
Donna Morris................................ MSSR
Catherine N. Reather......................Teller
Ashley Adkins....................Frontline Mgr
Leigh Ellen Stone...........................Teller
Kim Mullen........... Asst. Branch Manager
Pam H. Lindsey..............................Teller
Regina Harkins......................... PT Teller
Dorothy Blake......................... Acct. Sup.
Geraldine C. Anderson..............SD Coord.
Rebekah Scott......................ACH Coord.
Renee P. Eidam .............. Records Coord.
2nd Quarter, 2013
Compounding Quarterly
Regular, Miscellaneous, Multi-Purpose
Share Accounts.................................... 0.25% APY
Minors Accounts.................................. 0.30% APY
Payable on Death Accounts.................. 0.30% APY
IRA Accumulative Account.................. 0.55% APY
ESCROW Account............................... 0.10% APY
The following fees will be effective September 1, 2013.
TypeCharge
Membership Fee.........................................$1.00
Membership Share......................................$5.00
Share Account re-open in 90 days...............$25.00
Excessive Share W/D Fee���������������������������$5.00 Each Transaction
over/3 Per Month
Overdraft/transfer Fee.................................$5.00 Per Item
Paid NSF Fee.............................................$28.00 Per Item
Return Check Fee........................................$28.00 Per Item
Stop Payment Fee.......................................$25.00 Per Item
Check Copy.................................................$5.00 Per Item
Temporary Check Fee..................................$1.00 Per Page (4)
Check Printing Fee......................................Depends on Style & Quantity
Account History Fee....................................$5.00 Per Month
Account Research Fee.................................$25.00 Per Hour/Min. 1 Hr.
Wire Transfer Fee (outgoing)......................$15.00 Per Item
Wire Transfer Fee (incoming)......................No Charge
Western Union ...........................................$20.00 Per Item
Money Order Fee........................................$2.00 Per Item
Official WFCU Check Fee���������������������������No Charge 1st Check
$2.00 Per Each Additional Check
Visa Gift Card Fee......................................$3.95
Christmas Club (Early Withdrawal).............$10.00
Check Cashing Fee......................................$10.00 Without Active Account
Dormant Fee����������������������������������������������$10.00 Per Month After 1 Yr.
Dormant If Balance Under $100.00
Address Correction by Postmaster...............$1.00
Lost ATM/Visa Check card fee....................Lost $15.00/Damaged $5.00
Lost Visa Credit Card Fee...........................Lost $15.00/Damaged $5.00
Garnishment Fee.........................................$30.00
Deposit Box (Dothan Branch Only)
3X5...................................................$15.00
3X10.................................................$30.00
5X10.................................................$40.00
10X10...............................................$70.00
Change of Lock Fee.....................................Cost + $5.00
Drilling of Box Fee......................................Cost + $5.00
0.05% APY
0.25% APY
0.30% APY
0.30% APY
A quarterly publication for the members of
Wiregrass Federal Credit Union.
July 2013
Volume Nine
326 Honeysuckle Rd.
Dothan, AL 36305-1140
4695 Hwy. 90
Marianna, FL 32446
334 Snowden Dr.
Andalusia, AL 36420-0147
Upcoming Holidays:
Wiregrass Federal Credit Union will
be closed the following days:
July 4 ................................ Independence Day
September 2 ................................... Labor Day
October 14...............................Columbus Day
ACCESS 24
Dothan
Marianna
Andalusia
Long Distance
After Hours
Debit Cards
Credit Cards
Hurray for Our Members!
We are proud to announce that
Wiregrass FCU Members made
contributions of $13,200.00 to Gentiva
Hospice. The funds will go to Gentiva
Hospice and are to be used in the
areas in which they were contributed.
The checks were presented to Jessie
Hendrix of Gentiva Hospice at our
54th Annual Meeting by Tangela
Souders, President, Terry Ethridge,
Vice President, and Vincent Ripoll,
Chairman of the Board.
Pictured are Tangela Souders - WFCU President,
Jessie Hendrix - Gentiva Hospice, Vincent Ripoll - WFCU
Board Chairman, & Terry Ethridge - WFCU Vice-President
(334) 702-9608
(850) 526-5556
(334) 427-4668
(800) 255-0659
Thank You to Everyone
that Participated with
WFCU Car Sales!
1-800-528-2273
1-800-808-7230
Read Your Newsletter and Win!
Web Site:
www.wiregrassfcu.org
Member account numbers are randomly selected and
placed throughout the Wiregrass-POST. Should you find
your account number, anywhere throughout this newsletter,
written out and immediately preceded with a comma and
followed by a period, then you should call and report it.
We will reward you by making a $25.00 deposit into your
primary share account.
Email:
[email protected]
Mission Statement:
“To serve our membership with
dedication and commitment in
their diverse financial needs with
responsible business practices
and professional integrity.”
0.35% APY
0.25% APY
Contact an employee for further information about fees and terms.
APY is based on dividends earned remaining in the account
to re-accrue.
All Rates are subject to change.
WFCUp st
Lost or Stolen Cards
*** $ $ $ $ $ $’s***
3rd Quarter, 2013
Compounding Monthly
Share Drafts Account
with minimum $2,500.00....................
Money Market Account
with minimum $2,500.00....................
Money Market Account
with minimum $10,000.00.................
Money Market Account
with minimum $25,000.00.................
Money Market Account
with minimum $50,000.00.................
Christmas Club Account......................
Fee Schedule
EQUAL HOUSING
LENDER
Federally insured
by NCUA
©2013 172227 LKCS • www.lk-cs.com
Skip-A-Payment
Need some extra cash for that Summer Vacation?
If you’re not good at skipping rope then maybe you should
try skipping your loan payment for a month with the
credit union’s Summer SKIP-A-PAYMENT. For
the small fee amount of $30.00, the credit union will
allow you to skip your loan payment for the month
of June, July or August, 2013. Some restrictions do
apply to this program; check with the credit union’s
staff to see if your loan(s) are eligible for the Summer
SKIP-A-PAYMENT program. This is a program that
gives you additional spending power during the summer.
Helpful
Hints
shopping for a new or used car?
E-greeting cards have become a popular way to reach out to friends and family
at holiday time and on special occasions. Regrettably, cybercriminals also
take advantage of the growing popularity of e-cards by duping consumers into
downloading malware, three nine four six. You can safeguard yourself, your
friends and your family against e-card scams by following the tips below.
Read this first!
When shopping for your new car, there’s more
to consider than what’s listed on the sticker.
Smart shoppers investigate the value, savings,
and expenses behind the price.
If you are planning on traveling,
be sure to call and let us know
ahead of time that you’ll be out
of town - especially if it’s an
international trip. That way, you
won’t be blocked from using your
credit cards when you need them
the most. For your protection,
Card issuers may do that when
unusual activity appears in your
account, six four five six. So just
let the issuer know when unusual
activity is legitimate.
$25 for $25
Do you have a family
member or friend that needs
an account? Do you want $25?
Well bring them in and when they
open an account with $25.00,
you will get $25 in return!
Notice
Due to End of Month Processing
Internet Banking will have
limited information available
from 12pm to 12am on the last
calendar day of the Month, one
three zero six one.
2. When in doubt, delete. If something looks a little strange or “phishy,”
such as the name of the sender or vague subject lines, just delete the card. It’s
better to do that than run the risk of getting a virus.
Warranty
What is the time or mileage limit and what
parts are covered? How much will you pay for
extended warranty coverage? What portion of each repair bill is your responsibility?
Warranty differences between makes and models can vary widely.
Fuel Economy
How important is it to you? Compare the fuel efficiencies of different models and consider
how many miles you’ll be driving per year.
Maintenance Costs
Check various sources for repair histories on the models you’re looking at, and ask your
dealer to show you suggested maintenance schedules, nine six six seven. Compare the
common costs of replacement parts, such as brakes, shocks, etc.
Insurance
Rates for sports cars are higher, of course. Other popular cars carry high insurance
premiums because of high theft rates. Call your insurance representative and ask for
quotes.
Occupant Safety
The U.S. Department of Transportation crash-test vehicles to determine occupant safety.
Results vary widely. Determine what the reduced risk of injury is worth to you and your
family.
Finally, ask yourself where you can get the best value in financing;
your Credit Union, of course!
New/Used Auto Loan Rates
2013
2012
2010/2011
60 Months
72 Months
72 Months
60 Months
Important
News
1. Don’t open attachments. Most legitimate e-cards are links to
the company’s website that allow you to go directly to your card. Avoid
attachments and don’t download anything from a source you don’t recognize.
Dealer Relationship
Visit several, getting their quotes on the same
car, one four five two one. You’ll be bringing
your car back for service, so you want to buy
from a dealership that impresses you as being
fair, honest, and responsive.
Going on
vacation?
Five Tips To Avoid E-card Scams
2.49% APR
2.99% APR
2.99% APR
3.99% APR
*Some restrictions apply. Must meet credit union lending guidelines. Rates subject to change.
3. Know where you’re going online. Use security software that
detects sites that push online scams, adware installations, attachments filled
with viruses and other downloads that could harm your system.
4. Know what to look for. While most e-card scams look legitimate,
there are usually some telltale signs to look for, four two two five.
Watch out for misspelled words or names, not knowing who sent you the
card, a disguised name (such as Your Friend, A Secret Admirer, etc.) or an
odd URL.
5. Always read the fine print before accepting any terms.
Make sure you actually read the fine print before agreeing to anything. Some
e-card scams list in their terms that they can send e-mail to everyone in your
address book. Make sure you know what you are agreeing to.
Have You Moved?
Did you let us know?
If you’ve moved recently, please send us your new address and current phone
number. That way, you can be sure to receive all account information in a timely
manner. Plus, don’t forget the kids! If your children have accounts here, we
need to update your address on their accounts when you move, too.
By keeping us informed, we won’t
lose you and you won’t lose
valuable time in hearing from us.
Dormant Account Charges
Effective September 1, 2013
Wiregrass Federal Credit Union considers an account dormant when all of the
following exists: the account does not maintain a minimum sum of $100.00 in
the combination of the members sub-accounts; the account has had no physical
activity such as a deposit or withdrawal within the past 12 months; the member
has not had an active VISA or loan account within the past 12 months; and
the account holder is not a guarantor or co-signer on any other members loan.
Accounts identified as dormant will be charged a $10.00 monthly fee until it
either becomes active again or is closed out due to a lack of funds.
You may have heard that politicians in
Washington are considering an overhaul
of the federal tax code.
Unlike banks that maximize profits for
a small group of investors, credit unions
exist to serve their members, including
working families, small businesses, and
the local community. Because we return
benefits to our members, we are able to
offer higher returns on savings, lower
rates on loans, and most importantly,
low or no fees. That’s why your credit
union is not-for-profit and tax exempt.
Now banks and some politicians in
Washington are talking about taxing
credit unions, including Wiregrass
Credit Union, despite the fact that we
are not-for-profit, four three seven nine.
They say we can balance the budget by
taxing credit unions. Since credit unions
are not-for-profit, taxing credit unions
could even destroy credit unions as we
know them, eliminating financial choice
for consumers.
We urge you to send a strong message to
Congress: “Don’t Tax My Credit Union,
one six three three. It’s easy to take action:
just visit www.DontTaxMyCreditUnion.
org to contact your U.S. Representative
and Senators. While there, you can also
watch a video, follow our campaign on
social media, and learn more about how
you can help us tell Congress, “Don’t
Tax My Credit Union!”