SPRING 2011 | A 121 FINANCIAL CREDIT UNION PUBLICATION 50/50 Member Referral Campaign Need a little extra cash in your pocket? If you enjoy the one to one personal service, the great products and services you receive at 121 Financial Credit Union, we’ll pay you to tell your friends, family and co-workers about us. “It is vital to our continued success to obtain new members. One of the best ways to do this is for you, the member, to tell your friends, family and co-workers about the great service you receive at 121 Financial. Please help us spread the word about the advantages of belonging to a credit union and especially about being a part of the 121 Financial family,” says William Braddock, President & CEO. For each new member you refer who agrees to try our exclusive discount/benefits program, “Benefits Plus®,” FREE for 90 days, we’ll give you, and the new member, each $50! That’s right, it’s worth repeating — you’ll get $50 for EVERY new member you refer who tries Benefits Plus®! After 90 days your checking account will automatically be debited monthly $6.50 (or »» New: Person to Person Transfers »» Annual Meeting Results »» 10-Speed Mortgage Loan Convenient Telephone Numbers All Locations: 904.723.6300 “Please help us spread the word... especially about being a part of the 121 Financial family.” (Toll Free) 800.342.2352 FAX (Headquarters) 904.722.6694 Stop by any branch or download referral forms at www.121fcu.org/5050 VISA Debit Cards: Just What is Benefits Plus®? So glad you asked! 121 Financial has teamed up with Benefits Plus® to offer our members discounts on just about anything you can imagine! Benefits Plus® includes everything from Free Identity Theft Protection to discounts on movies and dining, roadside assistance, travel services, prescription drugs, eyeglasses, groceries, and even includes a cash-back program. And, they’ve just added home security through ADT. You name it, there’s probably a discount available, and you get to try it all FREE for 90 days. IN THIS ISSUE VISA Credit Cards: Credit Card Customer Service: 1.866.820.3097 Credit Card Lost/Stolen: 1.800.449.7728 Credit Card Activation: 1.800.527.7728 Debit Cards/Lost Stolen: 1.866.209.7029 Debit/Check Card Fraud: 1.866.262.8981 Visa Extras: 1.800.960.8472 Holiday Closings $4.50 for Senior Set, CUPlus and members with ecoChecking). If you try it for the 90 days free and don’t save more than the cost of the program, you can cancel it, no questions asked. Already a Benefits Plus® Member? We have good news for you! Benefits Plus is working on an upgrade that will make it easier to use and even more valuable. Watch for details — we’ll have all the information you need on our website easy to access on the front page. Holiday Day Date Date Date 2 Upcoming Events »» Shred Day @ Touchton Branch April 30, 9 a.m. to noon »» Sharks Games Stop by our table at the Sharks Games during Shark Fest, and you could win a prize for a small donation to our Charity of the Quarter! (2nd quarter charity is Ronald McDonald House.) Introducing ZashPay! —A Personal Payment Service, Now Part of Private PC/BillPayer Have you ever gone to lunch with a group of friends and when the check came, everyone had to dig for cash to split the bill, or wait for the waiter to split the check? Wouldn’t it be convenient to pick one person who could pay the bill while you pay that person back straight from your phone to his or her account? Now you can! Monday - Thursday: 7:30 am to 5:00 pm 7:30 am to 6:00 pm** Meet our latest addition: ZashPay, the fast way to send or receive money at any time. So quick and easy, you can pay back your lunch buddy while you wait on the waiter to return with your buddy’s receipt. And because ZashPay is part of Private PC/BillPayer, sending money has never been more secure or convenient — just login using your existing online password. The money goes directly from your bank account into their account usually within one business day, regardless of where they bank. Saturday: 9:00 am to Noon* Get started today at www.121fcu.org. Login to the newly upgraded Private PC, click on the “BillPayer” button, then choose “Pay People.” It’s quick, easy and safe. Hours of Operation Lobbies: Monday - Friday: 9:00 am to 5:00 pm Saturday: 9:00 am to Noon* Drive-Thru: *Branches with Saturday Hours include: Southside, Intracoastal West, Mandarin, Northside, Orange Park and Westside. **Downtown Drive Thru closes at 5:00 pm. Locations Headquarters: Southside 9700 Touchton Road (near Tinseltown) Branch Locations: Downtown 300 W. Adams Street (@Adams St & Julia St) Intracoastal West 12740-12 Atlantic Blvd (@Atlantic Blvd & Girvin Rd) Mandarin 11406-2 San Jose Blvd (@San Jose Blvd & Mandarin Rd) Northside 14023 Revell Drive (@River City Marketplace) Orange Park 6000-1 Lake Gray Blvd (@ I-295 & Blanding Blvd) Westside 8101 Normandy Blvd (West of I-295) Mini Branch at Swisher International Restricted Access »» No checks, stamps or cash to pay someone back. »» No need to wait for checks to cash. »» No trips to the bank to deposit money. »» No high fees — it’s only 50 cents to send and there’s no cost to receive money. Members Spotted the Cars They Wanted …& Saved a Bundle With Our One-Day/One-Rate Financing! Over 30 cars were sold to members at our March car sale, and it was such a hit, we’re going to do it again. Watch for details on our next sale, coming soon. You don’t want to miss it. Even if you have a few “spots” on your credit, you too may qualify for a low rate on a new or used vehicle. Here are just a few things members said about the sale: “I can’t believe that I’m getting 3.49%. This will save me so much money!” “This great rate is why I keep coming to 121” “YOU GUYS HAVE THIS DOWN TO A SCIENCE!” “Thank you so much for staying late to help us… Coming to the car sale saved us 7% in interest” “I can’t believe that even after taxes and tag my loan is still less than the car value” “MAN THIS IS GREAT, YOU CAN’T BEAT IT!” Annual Meeting Results ATM Design Contest At the annual meeting of 121 FCU held on March 17, it was announced that the following were elected: Board of Directors: »» G. W. “Bill” Cauley »» Joseph Hardcastle »» “Eddie” Raymond Clanton »» Shelba Williams Supervisory Committee: »» Arzada Haynes Winner Luis M., student at Lee High School, accepting his prize from Davis Johnston, SV of Operations! Help When You Need It 3 —Accel Members Financial Counseling As a valued member of 121 Financial we are committed to serving you. As a benefit of your membership, we provide you with free access to money management and financial education services — at your convenience and from the privacy of your own home. 121 Financial has teamed up with Accel, a financial management program. Through comprehensive education and exceptional service, this organization has been assisting individuals for more than 40 years. Through our partnership with Accel, you can enjoy unlimited access to financial counselors without paying — it’s free! As a member of 121 Financial you can receive assistance with: »» Personal money management »» Debt repayment »» Avoiding bankruptcy, foreclosure, and repossession »» Personal and family budgeting »» Understanding your personal credit report and how to improve your score Accel can give personalized answers to your individual needs. For issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away. Accel counselors are available: Monday through Thursday 8 a.m. to midnight. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org. We provide banking — and financial help — focused on you. Florida Telco Investment & Insurance Services is now Financial Retirement & Investment Services changed its name to Financial Retirement and Investment Services. In conjunction with the Credit Union’s name change, Florida Telco Investment and Insurance Services program has officially New Loans – on new or used vehicles & Refinances from other financial institutions: If you’re in the market for a new (or new-to-you) car, truck, van, SUV, boat (any titled vehicle), or want to refinance the one you have, give us a call! We’re still offering $200 cash back and 45-days with no payment! Limited time. Board of Directors Executive Team Billie Greenlief Chairman 904.992.3718 William Braddock, Jr. President Chief Executive Officer David Pugh Vice Chairman 904.262.4080 Davis Johnston Senior Vice President Operations Cynthia deLassus Becky Hulett Senior Vice President Treasurer Chief Financial Officer 904.646.4406 Bill Macomber Secretary 904.733.4220 Gretchen Quisenberry Senior Vice President Human Resourcres Bill Cauley 904.641.3031 Cindy Breslin Vice President Marketing Eddie Clanton 904.282.5885 Bob Gipson 904.223.1234 Terri Thomas Vice President Administrative Services Supervisory Committee This updated name not only works with the Credit Union’s new name, but also better reflects the services they offer. Joe Hardcastle 904.268.2869 If you need help planning for retirement or investing, contact the registered representative, Randy Nakamura, located at 121 Financial Credit Union for a nocost, no-obligation consultation today! 904.720.1760. Shelba Williams Arzada Haynes 904.504.1740 904.693.9400 Home Free in 10 Years? It’s possible with our 10-Speed Mortgage loan! If you have equity in your house, you can burn your mortgage in as few as 10 years. You can apply by phone, or call to make an appointment to talk to one of our mortgage professionals. Call today! 904.723.6300, extension 1758. We look forward to helping you. $200 Cash Back/ 45 Days No Payment You’ll get: »» 4.5% APR fixed rate »» 10 year term »» No closing costs option »» No application fee »» Fast closing Michael Hogan 904.778.2143 Lyn DeLoach Chairman 904.824.8660 Ellen Page 904.757.6818 PRSRT STD U.S. POSTAGE PAID PERMIT #151 VALDOSTA GA 31601 Holiday Closings Memorial Day Monday, May 30