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During the 1980s –
Your credit union introduced and
installed eleven ATMs. Four branches
were opened. A merger with Marine
Corps Base Quantico Federal Credit
Union in Virginia also took place.
At the end of the decade Marine FCU
had...
• Members: 93,732
• Assets: $260,267,093
These services were introduced:
• MarChek Checking
• Credit Cards
• Mortgages
On April 20, 1959 –
Eight individuals working aboard
Marine Corps Base Camp Lejeune,
North Carolina decided to pool their
money ($40) to start this credit union.
During the first 20 years the credit
union grew slowly, offering basic
savings and loan products. One branch
was opened in the Brynn Marr area of
Jacksonville.
• Touch Teller
At the end of the decade Marine FCU
had...
• Members: 48,190
• Assets: $101,338,206
In the 21st Century –
A new logo was introduced. A total of
20 branches and 93 ATMs throughout
North Carolina and Virginia, including the
new Corporate Headquarters, are now
conveniently serving our members.
At the end of 1979
Marine FCU had...
• Members: 16,564
• Assets: $12,377,511
Services introduced include:
• MFCU@Home
• eStatements
During the 1990s –
A new branch was opened aboard
Camp Lejeune and four new branches
in surrounding areas. 42 additional
ATMs were put into operation. Money
Market Accounts were added to the list
of services.
• Online Bill Pay
•P
latinum Credit Cards
As of 2008...
• Members: 99,458
• Assets: $569,081,858
Inside:
Charity Golf Tournament • Shred Days • Teen Financial Boot Camp • Bravo Checking
Financial Tune-Up Workshops • Member Resource Center Hours • Online Credit Card Payments
Creditor
Communication
Tips
Whether currently behind on bills or
soon will be, resist the urge to hide your
head in the sand. You can gain control of
the situation by doing the following:
Make plans to attend our Financial Tune-Up
Workshops. Each month a different topic will be
covered. You’ll gain in-depth knowledge on a variety of
financial subjects from the experts on staff at Marine
FCU. It’s the type of information that will assist you in
making money-smart decisions and help you achieve
financial success.
April 16 • Home Buying—Keys To
Unlocking Your Dreams
May 21 • Investing/Building Wealth In
Today’s Economic Environment
Enjoy Your Summer
September 17 • Trusts—Protecting Your
Legacy
October 15 • Financial Tune Up—How’s
Your Progress? Time To Start/Re-Start?
All seminars start at 7:00 p.m.
at Marine FCU Corporate
Headquarters on Western
Boulevard Extension,
Jacksonville, North Carolina
and will be simulcast to our
Havelock Branch in Havelock,
North Carolina and Russell Road Branch
in Quantico, Virginia.
• Contact creditors before missing a
payment
• Be honest and calm
•B
e conservative with time frames and
financial promises
• Offer specific solutions
• Keep a journal of people you speak
with and what is said
• Correspond primarily by mail
• Never send post-dated checks
• Know your legal rights
• Maintain contact with creditors
• While avoidance is tempting, doing
so will only make the situation worse.
Marine FCU wants to help you master
your money. We’ve partnered with
BALANCE, a financial education and
counseling service that can help you get
your finances in order, pay down your
debt, and reach your goals—all at no
charge to you. Call 888-456-2227 or
log on to www.balancepro.net for more
information.
To reserve your space, please call: 910.355.5608 or
800.225.3967, ext. 5608 (North Carolina Members)
or 800.225.3967, ext. 5709 (Virginia Members).
- page 2 - A Newsletter For The Members/Owners of Marine Federal Credit Union
Is Your Teen Financially Fit?
Get him/her ready for financial success at one
of these Teen Financial Boot Camps:
Marine FCU Headquarters on
Western Blvd. Ext., Jacksonville, NC
June 22-25 or July 27-30
Marine FCU’s Russell Road Branch
aboard MCB Quantico, VA
August 3-6
These boot camps are held at no cost for
Marine FCU Teen Savers* (ages 13 - 17).
All sessions run from 9:00 a.m. - 4:00 p.m.
Lunch and snacks will be provided.
Sign up/permission forms are available at
www.marinefederal.org, under News & Information/
What’s New, or at any Marine FCU branch.
For more information, call 910.355.5677 or
800.225.3967, ext. 5677.
*Teen must have a Marine FCU Teen Saver account to attend.
A Newsletter For The Members/Owners of Marine Federal Credit Union - page 3 A Newsletter For The Members/Owners of Marine Federal Credit Union - page 3 -
April’s
50th Anniversary
Certificate Special
For details, call 910.577.7333 or 800.225.3967, extension 5686 or
5330, stop by a branch, or go online at www.marinefederal.org.
- page 4 - A Newsletter For The Members/Owners of Marine Federal Credit Union
Member Resource Hours
Regina Almand, Assistant Vice President of Member Resource Center
Starting May 1, Marine FCU’s
Member Resource Center
expands its hours (Monday
through Friday) … this will
allow Marine FCU to help
members in different time
zones, as well as those who can
not call or visit a branch during
normal business hours.
7:00 a.m. to 10:00 p.m. Monday through Friday.
This will allow Marine FCU to help members in different time zones, as well as
those who can not call or visit a branch during normal business hours.
After 10 p.m. during the week, on weekends, and on holidays,
only MFCU@Home and Touch Teller will be available.
Carolina, and North Stafford and
Fredericksburg, in Virginia.
There are ways to conduct
your financial transactions
after 10:00 p.m. during the
business week, on weekends,
or on holidays. You can utilize
MFCU@Home (online account
access) or via telephone
using Touch Teller. Both are
safe, secure, and convenient.
Marine FCU also has the
following locations open on
Saturday between 9:00 a.m.
and 2:00 p.m.—Corporate and
Triangle, in Jacksonville, North
For transactions that can’t be
done through MFCU@Home
or Touch Teller, the Member
Resource Center will gladly
assist you. However, if these
transactions can be conducted
through MFCU@Home or
Touch Teller, but you choose to
utilize the Member Resource
Center, there will be a $2 service
fee. These transactions include
verifying account balances,
transactions that cleared your
account, direct deposit amounts,
and transfers between sub shares
and other accounts that have
been pre-authorized.
Every call is important, and each
call requires quality service,
which may cause a longer-thannormal holding time for you.
This means that when your call
is put through, you’ll receive
Marine FCU’s full attention and
the time needed to take care of
your financial needs.
Too many documents for your personal shredder?
Bring them to one of these locations.
Wednesday, April 22, 10:00 a.m. – 6:00 p.m. – Marine FCU’s
Corporate Branch on Western Boulevard Extension in Jacksonville, North
Carolina
Saturday, April 25, 9:00 a.m. – 2:00 p.m. – Marine FCU’s North
Stafford Branch on Garrisonville Road in North Stafford, Virginia
Thursday, April 30, 10:00 a.m. – 5:00 p.m. – Marine FCU’s Havelock
Branch on Main Street in Havelock, North Carolina
This is a no-cost service to our members.
Please bring proof of membership. Businesses are limited to one bin of shred.
A Newsletter For The Members/Owners of Marine Federal Credit Union - page 5 -
Earn 5% APY *
Besides great earnings,
each month you meet
the qualifications
you’ll...
Receive ATM fee
refunds (up to $25) that
you paid accessing your
Bravo Checking Account
nationwide.
if you meet these three easy
qualifications each month.**

Conduct
10 debit card
transactions (not at an ATM)

Receive
eStatements

Maintain
direct deposit of pay or
an ACH (automated payment),
debit, or credit
**Month goes from last day of previous
month to next-to-last-day of current month.
Here’s what you’ll earn:
Dividend
APY*
Balance up to $25,000 4.89% 5.00%
Additional balance over $25,000 1.00% 1.01%
Qualifications not met for the month 0.15% 0.15%
- page 6 - A Newsletter For The Members/Owners of Marine Federal Credit Union
It’s Marine FCU’s 50th Anniversary! We want to celebrate with you in a BIG WAY by
introducing Bravo Checking! Switching to Bravo Checking from Marine FCU’s MarChek
is easy and you’ll be rewarded each and every month! Just meet the three easy
qualifications listed.**
Your credit union is still strong, still lending, and continues to grow because of you ... our
member/owner. Happy Anniversary!
Switching
Is Easy
Call Marine FCU at 910.577.7333 or
800.225.3967, option 1, stop by a
branch, or mail the enclosed card to:
Attn: Bravo Checking
Marine FCU
PO BOX 1551
Jacksonville, NC 28541-1551
Your account won’t change—
use your same checks and
debit card. There’s no hassle!
Don’t have a Marine FCU MarChek account?
You can still open Bravo Checking ... stop by a
branch or call, and we’ll get you started.
Your email address will be required for
monthly notifications. These notifications
will let you know if you’ve met the requirements.
Disclosures: *Annual Percentage Yield (APY). Rates are effective as of
4/1/2009 and are subject to change without notice. Dividends are calculated based on the average daily balance and will be posted on the first
of the following month.
A Newsletter For The Members/Owners of Marine Federal Credit Union - page 7 -
Card Processor Announces Breach
Heartland Payment Systems,
the sixth largest processor of
credit and debit cards, has
announced that malicious
software has breached their
processing systems allowing
thieves to capture confidential
data from customers. This breach
could lead to unauthorized card
transactions.
It is extremely important that
you monitor your accounts daily
(through MFCU@Home) for
fraudulent transactions. Call
us immediately if you see a
transaction on your
Marine FCU account that you
did not authorize. Compromised
cards will be cancelled and
reissued.
This is a card processor breach,
not a Marine FCU breach. The
business merchant where you
used your card may have used
Heartland as their processor and
has been a part of the breach.
Safeguarding your
financial information is
Marine FCU’s priority,
but we need your help.
In this day and time you
need to be diligent about
monitoring all of your accounts
on a regular basis, to make sure
there is no fraudulent activity.
Car Shopping? Important
Things To Know Before
You Go…
In our current tough economic
times, many businesses are
closing their doors for good –
including car dealerships. Once
again, YOU need to be watching
out for your best interests. Here
are a few tips that can save
you money, time and a lot of
aggravation:
 If
you still owe on your
vehicle but plan to trade it
in ... take a good look at your
finances and see if you can pay
off the loan yourself. Many of
the issues, occurring right now,
involve dealerships that are
sinking fast and are not paying
off the balances owed on tradeins. This leaves lenders going
after the folks who, in good
faith, traded their vehicles. The
original owner has a balance
on the car loan that
needs to be paid. If
the loan is not satisfied,
the lender may have to
repossess the vehicle from the
dealer but the loan holder still
remains the responsible party.
It’s a big mess and happening
more frequently in our current
economic environment.
 Have
to trade with a balance
still on it … make sure you are
doing business with a reputable,
financially stable dealer.
 Buying
a used car ... insist on
seeing the title to make sure it
is in the dealer’s name, not the
former owners.
 Check
the vehicle history ...
there are websites available. Be
aware that there are fees. Avoid
a financial mess.
- page 8 - A Newsletter For The Members/Owners of Marine Federal Credit Union
 If
you run into problems ...
complain to the agency that
regulates auto dealers in your
state. File a claim against the
bond the dealer posted with the
state and, if necessary, hire a
lawyer.
Now may be an excellent time to
car shop. There are many vehicle
bargains – both used and new –
and financing is available. Check
out Marine FCU before you go;
pre-approved financing pays off
in many ways. And remember…
YOU need to watch out for your
best interests.
The tax return deadline is rapidly approaching.
Be sure to make your IRA contributions for the
2008 tax year on or before April 15, 2009. IRA
owners who are younger than 50 may contribute
a maximum of $5,000. Age 50 and over may
contribute a maximum of $6,000.
*Not intended as tax advice. Contact a tax professional.
Have a loan with us?
Please be sure to make your
payments on time. Failure to do
so puts you at risk of losing
access to some of your other
credit union services such as:
BOUNCE protection, line of credit
advances, credit card purchases,
and ATM or debit card access to
your accounts. Please contact
Marine FCU’s Collections Department
if you think your account may
become delinquent.
Keep Your
Accounts Active!
To avoid a “Dormant
Account Notice”
and related fees, cond
uct at least one
transaction (even a pen
ny deposit or
withdrawal) every 12
months.
A Newsletter For The Members/Owners of Marine Federal Credit Union - page 9 -
Easier Access For
Online Credit Card
Payments
Finding the
link to make an
online payment on
your Marine FCU
credit card just got easier! Go to
www.marinefederal.org and look
for the “Help Me Find” button
on the left hand side of the web
site. Select “Make A Credit Card
Payment” from the drop down menu.
Click “Continue” once the pop up
disclaimer appears. Then simply log
in to make a credit card payment.
You can also review your balance,
transactions, etc.
Remember, you can also make a
payment through MFCU@Home by
transferring the amount into the Visa/
MasterCard Payment Account listed
in Account Summary. However, you
will not be able to view your card
balance or transactions through this
process.
Marine FCU’s branch in Havelock, North Carolina
received a special surprise on Valentine’s Day morning.
These gentlemen stopped by on their way to the housing
area on MCAS Cherry Point to sing them a song as a
thank you to Marine FCU for their sponsorship.
Wherever your travels take you, you can
access your account at participating credit
unions all over the world with Shared
Branching. Whether you are at work,
home, or your favorite travel destination,
your credit union is always nearby.
Anywhere you see this swirl
you can
conduct a range of transactions, such as:




Deposits
Withdrawals
Loan Payments
Cash Checks




Transfers
Balance Inquiries
Loan Advances
and more
For locations, call 910.577.7333 or 800.225.3967,
option 1, or visit www.cuservicecenter.com
- page 10 - A Newsletter For The Members/Owners of Marine Federal Credit Union
Credit Union News
Marine FCU Wins United Way Awards
Marine Federal Credit Union won two prestigious awards at the
United Way of Onslow County 2008-2009 Campaign Celebration.
The first award recognized a workplace campaign. The second
was the Circle of Excellence, which is given to a business
or organization to recognize significant donations, fantastic
workplace campaigns, and an outstanding effort in encouraging
employees to volunteer.
Marine FCU’s annual pledge was $33,123 toward the United
Way’s goal of $550,000.
We’re Just A Phone Call Away
When a call requires extensive time to resolve, the Member
Resource Center will make sure it gets transferred to the correct
department that can help you. For instance, you have a credit card
issue: the Member Resource Center can take care of the majority
of information you may need, but if your issue is going to require
research, the Credit Card Department will take over to assist you.
If you are calling with an issue for online service such as resetting
accounts, forgotten password(s), or answers to your security
questions, the Member Resource Center can assist you.
Give Them What They Really Want
VISA® Gift Cards are available for purchase at Marine FCU
Branches. The fee is only $2 per card and you can have them set
up for any amount between $10 and $500. VISA® Gift Cards
are accepted at retail stores and online merchants that display the
VISA® logo.
Try a VISA® Gift Card—the perfect solution for all the people
you want to please. You choose the amount, they choose where to
spend it.
Visit a Marine FCU branch and pick up your VISA® Gift Cards
today.
Note: If there is no usage after six months from the date of
purchase, a $3 per month fee will be deducted from the card
balance beginning the seventh month.
Success Editor
Wendy McGill
Vice President, Marketing
Contact Us
Phone Numbers:
910.577.7333 or
800.225.3967
Mailing Address:
Marine FCU
PO Box 1551
Jacksonville NC 28541-1551
Email: [email protected]
Web: www.marinefederal.org
Board of Directors
Marty Goldman CCD
Chairman
Hank Simmons CCD
Vice Chairman
Pete Yadlowsky
Secretary/ Treasurer
John Eller CCD
Director
Mike Dunn
Director
Ron vonLembke CCD
Director
Ike Johnson
Director
Bill Hemmingway CCD
Director Emeritus
Edward Stallknecht
Director Emeritus
Supervisory
Committee
PO Box 481
Jacksonville NC 28541-0481
Ike Johnson, Chairman
Joe Yannessa, Member
Bill Hemmingway, Member
Lois Dupuis, Member
Management
Craig Chamberlin
President/CEO
Chuck Collins
Executive Vice President
George Davis
Chief Operations Officer
Terry Shepard
Chief Financial Officer
A Newsletter For The Members/Owners of Marine Federal Credit Union - page 11 -
Annual
Marine FCU
Charity Golf
Tournament
Friday, April 24
PO BOX 1551 JACKSONVILLE NC 28541-1551
15
th
Jacksonville Country Club
Tee Time 8:00 a.m.
or 12:30 p.m.
To help sponsor the event, call 910.355.5606 or
800.225.3967, ext. 5606
or download the sign up form at
www.marinefederal.org
Benefits go to the Jacksonville USO
and Hope For The Warriors.
Calendar of Events
April
15 • IRA Contribution Deadline
16 • Home Buying-Keys To Unlocking Your Dreams
Financial Tune-Up Workshop
22 • Shred Day—Corporate Branch, Jacksonville, NC
24 • 15th Annual Marine FCU Charity Golf Tournament
25 • Shred Day—North Stafford Branch, VA
30 • Shred Day—Havelock Branch, NC
May
10 • Mother’s Day
16 • Armed Forces Day
21 • Investing/Building Wealth In Today’s Reality
Financial Tune-Up Workshop
25 • Memorial Day*
June
14 • Flag Day
21 • Father’s Day
22-25 • Teen Financial Boot Camp
Corporate Branch, Jacksonville, NC
*All branches and departments will be closed, however,
Touch Teller and MFCU@Home will be available.
“Dedicated to our members’ financial
success through convenience and
quality service.”