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Newsletter
N
ewsslettter
Oct 2014
Brighter. Better.
Credit Unions: A Cause for Celebration
This year, International
Credit Union Day
occurs on October 16.
It has been celebrated
on the third Thursday
of October since 1948.
Q:
How do you celebrate
International
Credit Union Day?
A:
By enjoying the
benefits of being a
member of CCU and
by encouraging your
friends to join, too!
I believe passionately that
credit unions are a reason
to celebrate, and I’d like to
take a few moments to remind you of how
your credit union is structured, what CCU
can offer you as your credit union, and why you would want to
take advantage of what your credit union offers.
You know you are a “member” of CCU, but you may not
know exactly what “membership” means with regard to
the way the credit union operates.
CCU is a financial cooperative, owned by its members. We
strive to promote self-help, thrift, and volunteerism.
CCU is a unique community asset that facilitates a
virtuous, sustainable cycle of local development. The
deposits you make with CCU fund loans to people and
businesses in this community. The proceeds from the loans are
used to purchase many local goods and services, which in turn
provides local jobs. As a CCU depositor, you not only get an
above-average return on your money, you have the satisfaction
of knowing that you are helping to improve your community.
This is where you come in. I am going to
ask you to ponder something for a
moment: Where do you want the profit from
the financial services you use to go? Wouldn’t
you like it to come back to you and your
community? That is exactly what happens
when you save and borrow with CCU.
Your participation in this credit union is
welcomed no matter what the dollar
amount of your deposits or loans may be.
The important thing is to participate. The more
our members use CCU for the deposit and credit products they
need, the more value we can generate by lowering the interest
charged for loans, raising the interest paid on deposits, adding
new services, offering more free services, and providing financial
education to the community. All the members benefit from strong
participation, even if they do not need all the products.
Credit unions are a worldwide movement that fights poverty
and usury, and strives to improve the lives of people everywhere.
In the United States, over 100 million people have discovered
that their local credit union is their best source for financial
services.
I feel personally that having the privilege of being part of the
credit union movement gives me a reason to celebrate every
day. I encourage you to celebrate your membership and
bring more of your financial business to CCU so that we can
return more value to you and your community.
We don’t create private wealth for a few stockholders. Our
goal is to create a cycle of value for our members and our
community.
Refer-a-Friend
David O. Brock,
President/CEO
Refer a friend or family member to
CCU and you can both receive $60!¹
Existing CCU members can refer friends or family members to open a checking account
at CCU. To qualify for the $60 bonus, the new accounts must have eStatements and
direct deposit of at least $100 a month. As long as requirements are met, BOTH
ACCOUNTS RECEIVE $60 IN 60 DAYS!¹
Membership share account requires a one-time membership fee of $5. An initial deposit of $25 is required for the checking.
Membership is available to Brevard, Orange, Osceola, Indian River, Volusia, & Polk County residents. ¹New and current
members receive a $60 bonus after 60 days if the account is in good standing and meets above requirements. Must be 18
years of age to participate. Federally insured by NCUA.
Visit ccuFlorida.org/refer for more details and to download a form
MK-Friend
Visit ccuFlorida.org/mobile to learn more about: eBranch Services • Mobile Deposits • CCU Apps • FinanceWorks • Bill Pay • eStatements • Text Message Banking • eAlerts • Instant Loan Application • Electronic Wire Transfer
How Can You Increase Your Participation In CCU?
Here Are a Few Thoughts:
Move more of your deposits to CCU. Our rates are among
the highest in the market:
1
• Current CD Special: 1.10% APY for
10 months.
• Premium Savings: Earn CD-like rates
while keeping your funds available.
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As Low As
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• Serious Saver: The perfect account if
you need to start a savings habit. Earn 5%
APY2 on the first $500 in your account.
APY
10-Month CD
Home Equity Lines
of Credit
Finance your major purchases with CCU:
• Our Auto and Truck loans offer great rates (even if you don’t have perfect credit,
flexible payment schedules including biweekly and weekly), and access to our FREE
Auto Scout car buying service.
• We offer First Mortgage products with low rates AND low closing costs. You don’t
have to give up one to get the other.
%
APR
*
Ask about our no-closing cost options**
24-Hour Loan Line: 321.637.3211
Apply Online at: ccuFlorida.org/he
*Loan rates are based on credit history, loan terms and
borrower qualifications. Contact CCU to determine your rate.
Rates subject to change. **Borrower pays valuation fee, if
applicable. CCU will pay the remaining closing costs.
Open a Student Checking
Account and get $25!
• We have Home Equity loans and Lines of Credit at great LOW rates. CCU is an
approved lender for FHA Title I Home Improvement Loans, which can help with
needed repairs and improvements even if you don’t have available equity.
• Get a low-rate CCU Seasonal Loan3 instead of charging purchases on a credit card.
Refinance the loans and credit cards you have now with
other lenders to CCU:
• When you Refinance an Auto or Truck loan to CCU, you can get No Payments or
Interest for 90 Days as well as changing your payment schedule
from monthly to biweekly or weekly if that is better for your situation.
• Our exclusive Home Free Mortgage Loan can help you pay
off your home in 10 years or less.
• Transfer balances you are carrying on high-rate cards to
a LOW-rate CCU Platinum VISA card.
¹Minimum deposit of $1,000 required. New money only. Early withdrawal will incur penalties and reduce your APR.
Offer expires when withdrawn by CCU. ²Rates are subject to change. ³Loan rates are based on credit history, loan
terms and borrower qualifications. Contact CCU to determine your rate. Holiday Club Account with a monthly
automatic deposit of at least $20 is required.
Contact Us or Come See Us:
321.690.2328 800.690.2338
Call Telli for automated account information
24/7/365 by calling 321.631.4611 or
888.636.4611
Branch Locations:
Rockledge - 1030 S US Highway 1
Port St. John - 6269 N US Highway 1
Palm Bay - 1325 Palm Bay Rd.
Melbourne - 333 E. NASA Blvd.
Viera - 7380 Murrell Rd., #102
Titusville - 3125 S. Washington Ave.
Indian Harbour - 293 E. Eau Gallie Blvd.
Apply for a loan: Apply 24/7/365 by calling
321.637.3211, online at ccuFlorida.org, or in
person during branch hours.
ATM Locations: At every CCU branch and over
50,000 free nationwide. Find locations at
ccuFlorida.org.
eBranch Services at ccuFlorida.org
eBranch Online Banking: Log in to your account at
ccuFlorida.org.
Mobile App: Login on your Android phone or tablet,
iPhone and iPad.
Mobile Deposit: Register within the Mobile App and
make deposits using your smart phone.
eStatements: Sign up in the eBranch. They are free!
Text Message Banking: For a complete list of text
codes, visit ccuFlorida.org.
Bill Pay & Presentment: Available in the eBranch or
Mobile App.
FinanceWorks: See all of your finances in one
place, even accounts from other financial
institutions. Learn more at ccuFlorida.org.
Open a Student Checking Account with
eStatements and debit card and we’ll
deposit $25 in your account after 60 days.
The student who will be the primary
account holder must be 16 years of age. A
parent or legal guardian must act as a joint
account owner. A debit card can be issued
to the student with parent/legal guardian
permission and signature.
Mention Promo Code: MK-Stu25.
Requires minimum opening deposit of $25. New accounts
receive a $25 bonus after 60 days if the account is in good
standing, has eStatements and debit card.
Board of Directors
Chairman - Henry L. “Jack” Kelley, CCD
Vice Chairman - Dortha G. Everhart
Secretary/Treasurer - Linda P. Dale, CPA
Director - Betty A. Dunn
Director - Jim Platman
Senior Management
President/CEO - David O. Brock, CCUE, CCE
Senior Vice President - Laurie Cappelli, CCUE, CCE
VP Organizational Development - Lesli Dooley, CCUE
VP of Commercial Services - Jim Chastain
VP of Technology - David Hill
VP of Accounting/Finance - Margaret Hasenbeck
VP of Marketing - Meredith Gibson
Dates & Events
Oct 16: International Credit Union Day
We will be closed on:
Oct 13: Columbus Day
Nov 11: Veterans Day
Nov 27: Thanksgiving
Dec 25: Christmas Day
A FREE Auto Advisor Service
CCU’s Auto Scout can help you
find the best deal on a car, truck,
SUV, van, motorcycle, boat or RV.
Federally insured by NCUA
Equal Housing Opportunity