The Exchange SUMMER 2014 In this issue 2 Annual Meeting Recap 2 Member Appreciation Day 3 Sprint Discounts 3 “Savers” Winners 3 KidsFest 3 Avoiding Fees 4 Car Sale Recap 4 Gift Card Winners calendar 7/4 - CLOSED Independence Day 7/7 - 7/31 - School Supply Drive 7/19 - KidsFest at Main Branch (See page 3) 9/1 - CLOSED Labor Day 9/26 - Member Appreciation Day (See page 2) REMEMBER Make KCCU your One Stop Loan Source for ALL your Loan Needs! Are you in need of a LOAN? Did you know that KCCU has you covered for ALL of your loan needs? We provide the following low rate loans to our members: • • • • • • New & Used Car Loans Personal Loans Payday “Alternative” Loans Home Equity Loans Home Mortgage Loans Refinanced Loans (for loans you have at another financial institution) Take advantage of our great rates today and get the loan you need!* And, at KCCU – we make it easy for our members to apply for a loan! APPLY ONLINE TODAY at www.kccu.net or come into one of our branches, and one of our friendly loan officers will be glad to help you. Questions? Give us a call at 816-861-5700. *For qualified borrowers only. Loan rates subject to change without notice. Loans issued subject to credit review. Further restrictions may apply. See credit union for details. Did you know that we’re part of the Nationwide CO-OP ATM Network? There are thousands of $1 fee ATM’s that you can use! Website www.kccu.net If you’re not near one of our 5 FREE ATM’s, then you should take advantage of the CO-OP ATM network. Audio Teller 816.861.2704 FREE ATM LOCATIONS KCCU Main Branch 5110 Ararat Dr., KCMO KCCU Downtown Branch Serving employees of the City of Kansas City, MO, Truman Medical Centers, KCATA The Metro, Blount International and workers or residents of Jackson or Clay County, MO 414 E. 12th St., City Hall Municipal Court 1101 Locust St., KCMO Northland Teachers CU 6604 N. Oak Tfwy, Gladstone Central Communications CU 5090 N. Oak Tfwy, KCMO To find out where a $1 fee ATM is located near you, simply text a zip code to 692667 (my coop) OR visit our website at www.KCCU.net. And, on the home page click on the CO-OP Network Logo, which will take you to another page asking you to enter the zip code of where you wish to find a $1 fee ATM.* It’s a nationwide service, so even if you’re out of town, you can search for an applicable zip code. Start using it today! It’s a great benefit for being a credit union member! *There is not a $1 fee ATM for every zip code within the United States, but there is one for the majority of zip codes. If the zip code you enter doesn’t have a $1 fee ATM available, then try entering the next zip code up from the original zip code you entered. 4516-0714-exchange news Page 2 | SUMMER 2014 Everyone had a Great Time at the 2014 KCCU Annual Meeting Kansas City Credit Union’s 73rd Annual Membership Meeting was held Tuesday, April 22nd at the Robert J. Mohart Center. The evening began with everyone enjoying a delicious dinner catered by Grandma’s Catering, followed by the presentation of the annual report from the KCCU Board Members, and President. Also, election results were announced as follows: John Thigpen and George Eib won the 2 open seats on the Board of Directors, and Tamela Handie won the 1 seat on the Supervisory Committee. Prior to the conclusion of the meeting, Tanashis Purifoy was awarded the KCCU’s $500 College Scholarship. KCCU Board of Directors Janice Smith, Chair* Earnest Rouse, Vice Chair* Pearline McFall, Secretary* José Portuguez, Treasurer* George Eib, Director Jean Ann Lawson, Director Anthony Miller, Director John Thigpen, Director Crystal Ammons, Director *Executive Committee SUPERVISORY COMMITTEE Howard Petrie, Chair Julie Steenson Tamela Handie The evening concluded with a raffle drawing of wonderful door prizes that had been donated by both KCCU and their vendors. It’s always an exciting part of the annual meeting! If you didn’t get a chance to attend the meeting this year, then we hope you make plans to join us next year because it’s always an informative and fun meeting. And, next year we’ll be celebrating our 75th year in business! KCCU Staff Members MAIN OFFICE Eric D. Jones, President/CEO Marilyn Chappell, Vice President Kevin Welp, Credit Manager Lisa Cordill, Accounting Manager Deborah Darby, Marketing Director Jennifer Haynes, Loan Officer Bre Heather, Loan Officer Laura Andersen, ACH/Checking Specialist Gwen Harvey, MSR/Teller Denise Tyson, MSR/Teller Nadine Galloway, Head Teller Iesha Eskridge, MSR Diane Fraser, MSR/Teller MyKaila Parks, Teller Marie Sanders, Teller DOWNTOWN Diane Fraser, Teller/MSR NORTHLAND Ken Peirce, Branch Leader Mary Ann Stallings, Loan Officer Brittney Strozier, MSR/Teller KCCU Box Score April, 2014 Assets.............................$28,311,337 Shares............................$24,764,397 Loans...............................$7,142,291 Members..................................6,547 Meeting in Session Scholarship Winner, Tanashis Purifoy Did you know family members can join KCCU? YES THEY CAN! Member Appreciation Day September 26th Mark your calendars to come join us in celebrating YOU – our members! September 26th will be a day full of festivities to show you how much we appreciate your membership with us. Festivities will include prize and cash giveaways, FREE chair massages, FREE lunch and more! If you’ve never attended one before, then come check it out this year because it’s always a fun time. As the date approaches closer, look out for additional information on our website, in our branches and via email alerts. HOPE TO SEE YOU THERE! SUMMER 2014 | Page 3 Sprint DISCOUNTS for our Members! SPRINT offers credit union member discounts on their phones, plans, fees and more! For details, visit our website at www.KCCU.net, and click on “current promotions”, then scroll down near the bottom to see the Sprint listing. KCCU “Super Savers” Challenge Winners KCCU recently conducted a “Super Savers Challenge” for their Kid’s & Teen Club members. And, the lucky winners were Andre Carnes (kids club) who saved a total of $11.45, and Veronica Harvey (teen club) who saved $7.69. Both won $25 to put into their savings account. Congratulations to Andre & Veronica! Andre Carnes Veronica Harvey KidsFest Coming Soon! Saturday, July 19th, 9 a.m. to 11 a.m. Attention Parents! Mark your calendar to bring your kids to our annual KidsFest coming up on Saturday, July 19th at our main branch on 5110 Ararat Drive from 9:00 a.m. to 11:00 a.m. Kids having fun at last year’s KidsFest! There will be treats and goodie bags for the kids, including a coloring contest to win a family 4-pack to Worlds of Fun and Oceans of Fun! How to Avoid Debit Card and Overdraft Fees EDUCATIONAL CORNER In an effort to help our members avoid getting charged debit card and overdraft fees, please be aware of the following: • Every time you swipe your debit card to make a purchase, if you choose DEBIT (meaning you have to enter your PIN number which constitutes a pin-based transaction), then you will be charged a $1 fee. Basically, that transaction is processed through the system as an ATM transaction, thus you are charged the $1 ATM fee. In order to avoid this fee, simply choose CREDIT instead of debit. • The $25 overdraft fee occurs on your account when you do not have enough available funds in your account to cover purchases made. Please be aware that holds placed on your account for “pending” debit card transactions and/or for payroll checks that have been placed on hold – reduce your available balance and may cause your account to become overdrawn. In order to avoid a fee, it’s very important that you keep track of ALL your transactions on a daily basis (This of course also includes checks that you may have written as well), so you know exactly how much money you have available in your account. Here’s two helpful ways to keep track of your transactions: 1) The next time you are in one of our branches, ask for a “debit card registry book”, which is a small blank book registry that you can carry with you on a daily basis – to record your transactions in. Once you have your debit card registry book – if you don’t feel like recording the transaction amounts at the time you are making a purchase, then simply save your receipts and record all of them in your book at the end of each day. 2) If you can’t come into one of our branches any time soon, then just create your own recording transaction ledger by simply using a piece of paper or a small notepad. And, once again – if you don’t feel like recording the transaction amounts at the time you are making a purchase, then simply save your receipts and record all of them on your note pad at the end of each day. We hope that you find this information helpful. Should you have any questions, then please feel free to call us at 816-861-5700. Page 4 | SUMMER 2014 Winners of our “Quik Trip” and “Price Chopper” Gift Card Promotions Our Annual Car Sale was a success! BIG congratulations to the following members who are winners of our “grocery giveaway” and “gas giveaway” promotions that ran from February 1, 2014 to April 30, 2014! Join us next year! Our lot was filled with cars to be sold! Our annual car sale this past May, in which we teamed up with Jack Miller Kia, was a success! Many cars were sold to our members, and gas cards were given out to those who purchased a car, along with other gifts including an 88 pc tool kit, fix-a-flat, and oil change! Members also enjoyed a free lunch. Both new and used cars with special pricing were featured from Jack Miller Kia. If you’re in the market now for a used or new car, let us help. We can offer you a low rate car loan for your car purchase. With our vehicle loans as low as 2.75% APR*, now is still a great time to buy a car! Also, if you have a car loan with another financial institution, then you should check to see if we can refinance it for you at a lower rate! We’ve done it for many members! QUESTIONS? Call us at 816-861-5700. *APR = Annual Percentage Rate. For qualified borrowers only. Loan rates subject to change without notice. Loans issued subject to credit review. 2.75% APR rate available with approved credit on vehicles financed up to 36 months for 2012 & newer vehicles with credit score 701 and above or up to 24 months for 2011 & older vehicles with credit score 701 and above. Further restrictions may apply. See credit union for details. Available on cars, trucks & SUVs. No recreational vehicles. Five lucky members won a $100 Price Chopper Gift Card: Edward Grear Kandi Jamierson Linda Clarkson Monia Batiste (Not Pictured) Berniece Simms Seven lucky members won a $100 Quik Trip Gift Card: Harold Ervin Keith Cannon Lavetta Taylor Percy Robinson Rachel Brown (Not Pictured) Anthony Ealy & Michael Johnson Watch out for our next membership referral and loan promotions starting soon! Kansas City Credit Union Locations & Hours MAIN OFFICE 5110 Ararat Drive Kansas City, MO 64129 Phone 816.861.5700 Fax 816.861.5703 Hours Drive Thru: M-F, 7:30 a.m. - 5 p.m. Saturday, 8 a.m. - Noon Lobby: M-F, 8:30 a.m. - 4:30 p.m. Saturday, 8 - 11:30 a.m. DOWNTOWN 414 E. 12th Street 1st Floor City Hall Kansas City, MO 64106 Phone 816.513.3400 Fax 816.513.3412 Hours Lobby: M-F, 8 a.m. - 4 p.m. NORTHLAND 7245 N. Oak Trafficway Gladstone, MO 64118 Phone 816.861.5700 Fax 816.436.4373 Hours Lobby: M-F, 9 a.m. - 5 p.m. Online: www.kccu.net 4516-0414-exchange news