A Quarterly Publication by F.S.E.F.C.U., a full service Credit Union serving Escambia, Santa Rosa, Okaloosa and Walton counties MAY 2015 President’s the Message Three words come to mind…Persistence, determination, longevity – three traits that often go together and normally produce good results. We see these things when watching a sports team, an individual pursuing a dream, or a business with a good idea. Our credit union can surely relate to the latter: the long history of “people helping people” is a testament to a good idea becoming great. And here at FSEFCU, we understand and continue to pursue these qualities each day. I am so proud of our Credit Union accomplishments; we held our own and looked toward an upward trend in 2014. Being financially sound is not simply a goal it’s a must. That persistence paid off with a much-improved year, led by an excellent showing in decreased delinquencies and members started to slowly borrow again. This success is a direct reflection of how prudently the credit union acts to protect our members’ financial assets, and also how strategically we grow our products and services. This, coupled with exceptional member service, indicates members’ view FSEFCU as a safe place to save and a trustworthy place to borrow. This is certainly not a milestone that will go unnoticed. Thank you to all who joined us for our 2015 Annual Meeting. The night kicked off our celebration and reminded us of our founding in 1961. It truly is remarkable to think of the determination of those who started it all back then. They provided a place for State Employees to save money and borrow for the necessities of life – just another example of a good idea that became great. We’ll continue to recognize that idea and all that goes with it in the coming months with member participation events and special promotions, and we hope you have an opportunity to enjoy these benefits. You allow us the opportunity to continue to stay a strong viable credit union. All of us at FSEFCU “thank you”. You provided the inspiration, and you continue to provide the reason for our existence. Yes, persistence and determination often lead to longevity and to success. We are happy to be a part of “people helping people” and striving to “Build a Better Tomorrow”. Warm Regards, Holiday Closings Memorial Day - Monday, May 25th Independence Day - Saturday, July 4th Christina Reynolds, President/CEO Calendar Holidays Mother’s Day - Sunday, May 10th Father’s Day - Sunday, June 21st Member FYI’s Visit our website at www.fsefcu.org for our new Share Certificate and IRA rates! Your Credit Union Services: nAccepting Payments via Credit and Debit Card nMobile Banking App nCompetitive Loan Rates nInvestment Options nGo Green with E-Statements nFree Notary Services nPrepaid Legal Services nWire Transfers See one of our Friendly MSR’s for more details Fraud Prevention Don’t Let It Happen To You! The fastest growing crime in America is identity theft, and the best protection is prevention. Here are some tips to safeguard your good name: 1. Protect your Social Security number. Do not carry your card in your wallet. 2. Do not give out your personal information unless you made the contact. Scam artists “phish” for victims by pretending to be credit unions, banks, stores, government agencies, etc. They do it by phone, email, and snail mail. 3. Shred papers with personal information. Always shred credit card offers that you don’t use. Also, shred those “convenience checks” you don’t use. 4. Open your credit card bills and bank statements right away. Check for unauthorized charges or withdrawals and report them immediately. 5. Protect your computer from viruses and malware. Use firewall, virus, and spyware protection software - make sure it is updated regularly. Always use “strong” passwords. 6. Always click with caution online. Only enter personal information on secure Web pages with “https” in the address bar and a padlock symbol at the top or bottom of your browser window. The National Credit Union Association (NCUA) has received reports of a phishing scam claiming to offer services on behalf of the NCUA. Please beware of any phone calls or email you receive requesting your personal information. If you receive such communication and suspect that it is fraudulent, you can call NCUA’s fraud hotline at 1-800-827-9650. Calendar of Events Earth Day 2015 - April 22nd - May 30th - Free “shred-a-thon” - All three locations - 8:30 a.m. - 5:00 p.m. World Lupus Day - May 10th - The Credit Union will be holding a Fundraiser for Lupus “Don’t Fry” Day - May 22nd - Raising Awareness for Skin Cancer Prevention talk about savings. say hello to the Sprint Credit Union Member Discount. save 10 % save or 15% on select regularly priced personal service plans* on select regularly priced business accounts* Use Corporate ID: NACUC_ZZM Use Corporate ID: NACUC_ZDS_ZZM Plus • Waived activation fee on new lines (Up to $36 in savings) • Waived upgrade fee (Up to $36 in savings) Call 877.SAVE.4.CU and tell them you’re a credit union member and ask to be attached to either Corporate ID to start saving today! April is Credit Union Youth Month -Theme: “Wild About Savings.” Continuing our Celebration thru the month of May. Come join today! Use your QR code reader to scan here and get the free Invest in America app to validate your credit union membership. For business accounts, visit a Sprint store. To find a location near you, go to www.sprintstorelocator.com. *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel. Discount does not apply to secondary lines. For a complete update on the rules of the Sprint Credit Union Member Discount program, please visit www.lovemycreditunion.org/Sprint. 2013 Sprint Item #800-11 ©2013 CU Solutions Group 041013 1526 3 Convenient Locations To Serve Our Members Nine Mile Road Office: 1645 East Nine Mile Road, Pensacola, FL 32514 (850) 474-1400 Fax: (850) 474-8961 Monday-Wednesday 8:30 a.m. - 5:00 p.m., Thursday 9:30 a.m. - 5:00 p.m., Friday (Lobby) 8:30 a.m. - 5:00 p.m. (Drive Thru) 8:30 a.m. - 5:30 p.m. Saturday 8:00 a.m. - 12:00 p.m. at Nine Mile Road Office, Drive-thru ATM Open 24 hours/day, 7 days/week Coyle Street Office: 7-B North Coyle Street, Pensacola, FL 32502 (850) 438-9677 Fax: (850) 432-5182 Monday-Wednesday 8:30 a.m. - 5:00 p.m., Thursday 9:30 a.m. - 5:00 p.m., Friday 8:30 a.m. - 5:30 p.m. Milton Office: 6480 Highway 90, Suite G, Milton, FL 32570 (850) 626-5751 Fax: (850) 623-1939 Monday-Wednesday 8:30 a.m. - 5:00 p.m., Thursday 9:30 a.m. - 5:00 p.m., Friday 8:30 a.m. - 5:30 p.m. Toll Free: 1-888-438-5579 Website: www.fsefcu.org Email: [email protected] May Loan Promotion Apply online or fill out the attached application today! *APR = Annual Percentage Rate. Minimum loan amount $5,000. Loan term up to 60 months. New car rate as low as 1.45% APR. Used card rate as low as 1.45% APR. Amounts and terms based on current Lending Policy guidelines. Florida State Employees Federal Credit Union reserves the right to discontinue promotion at any time without notice. Other restrictions may apply. Marketing Section Wanted: Members Do your friends and family a favor: invite them to join the credit union. They’ll thank you for the chance to take advantage of the benefits of belonging. And when they join, you’ll have done yourself a good turn as well. Here’s why: as a non-profit financial cooperative, we only exist to serve our valued member/owners. A broader base of members means we can continuously work to improve our products and services. We can be more efficient and pass those savings onto you. So do your part and pass the word. Let your friends and family in on one of the best ways to achieve financial security - membership in the credit union. For details on membership eligibility, contact the credit union or visit our Web site. Mothers Day and Fathers Day Facebook Contests! Post a picture with Mom for the chance to win a prize from FSEFCU before Mothers Day, May 10, and the same for Fathers Day, June 21st. Follow us on Facebook to participate in our contests and for a chance to win a Grand Prize! “The meaning of life is to find your gift, the purpose of life is to give it away. ” -William Shakespeare FSEFCU Celebrates Earth Day PRESORTED STANDARD US POSTAGE PAID PENSACOLA, FL PERMIT NO. 270 1645 East Nine Mile Road • Pensacola, FL 32514 Youth Section Visit the Credit Union during the months of April and May to help us celebrate National Credit Union Youth Month! Stop by any of our 3 locations to participate in our coloring contest and get wild about savings! And remember, membership is open to ALL members of your family! Spring Flower Maze