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MAIN OFFICE
1811 Whipple Ave. NW, Canton, OH 44708
TIMELY
Tips
VOLUME XLI
THIRD QUARTER EDITION 2014
Coats for
Christmas
Help us provide a warmer
holiday season for many
children within our
Stark County
community! A
Community
Christmas
assists those
individuals/
families who are
applying for
Christmas
assistance. Please
help us collect gently
used or new adult and
children sized coats along
with hats and mittens. In
the past years our members
have been very generous
and we hope you find the
Christmas spirit again this
year.
October 16, 2014
INTERNATIONAL CREDIT UNION DAY
Doing good is something credit unions
take seriously, locally and globally.
This cooperative spirit of people helping people has led to life-changing opportunities in the form of small business start-ups, home ownership and
education. On October 16, credit unions around the world will unite behind the
message of “Local Service. Global Good.” for International Credit Union (ICU)
Day. We ask you, our members, to share in this powerful credit union vision and
celebrate with more than 200 million people worldwide to establish credit unions as
the best financial partner.
On October 16, 2014 stop by any STJ location or post on our Facebook page and
share why you like being a STJ Credit Union member. You’ll automatically be entered to win a $25.00 Visa gift card.
We would like to take the opportunity to remind you, our member, how much we
appreciate your membership with the STJ family.
SAVE THE DATE:
Annual Dinner
Meeting
Look for the donation box at the
Canton and Louisville offices starting
October 13th through December 5th.
HOLIDAY CLOSINGS:
•
•
•
•
Columbus Day:
Veterans Day:
Thanksgiving:
Christmas Eve:
Monday, Oct. 13, 2014
Tuesday, Nov. 11, 2014
Thursday, Nov. 27, 2014
Wed., Dec. 24, 2014
Closed at 12:00pm
• Christmas:
Thursday, Dec. 25, 2014
• New Year’s Eve: Wed., Dec. 31, 2014
Closed at 12:00pm
• New Year’s:
Thursday, Jan. 1, 2015
LOUISVILLE BRANCH
315 Sherban Court, Louisville, OH 44641
Be a full participant in your credit union: attend our Annual Meeting! The STJ Annual
Meeting is a great opportunity to meet the CU’s Board of Directors and key committee
members, as well as the CEO, Cari Huthmacher, and the members of her team. Make
your voice heard on the Board and Committee nominees who help govern STJ and on
the decisions that help determine the Credit Union’s direction for the future. The venue
for the Annual Meeting is at a new location this year, Meyer’s Lake Ballroom, 3218
Parkway St NW, Canton. More information about the meeting will be coming soon. In
the meantime, mark your calendars for Saturday, March 14, 2015.
We look forward to seeing you there!
www.stjfcu.org
UNWRAP THE POSSIBILITIES
HOLIDAY LOANS AS LOW AS
6.50% APR
Holiday Give-A-Way Gift Card
Drop off or mail entry form, there will be winners
each Friday starting November 14th.
Winner must pick up card at one of our locations.
• November 14
• November 21
“The most
wonderful time
of the year”
• November 28
• December 5
• December 12
is just around the
corner. But it may
not seem so wonderful if after making your list, and
checking it twice,
you’re not sure how
you can make the holidays happen. A holiday loan from STJ
can help. With a holiday loan, you can determine your budget
and stick to it by using cash for your purchases. That means
January won’t arrive with a blizzard of high-interest department store charge card bills.
Holiday Give-A-Way
Name:
Address:
With our incredibly low Holiday loan rates you can get a loan
up to $3,500 with a 12 month repayment and a FIXED rate as
low as 6.50%* APR! And set it up on payroll deduction for
even more convenience.
City:
State:
Zip:
Phone #:
We want your holidays to be cheery and bright, so contact
us soon.
Acct. #:
*APR= Annual Percentage Rate. Loan rates are determined
by individual credit history and term of loan. Rates are subject to change without notice. Must qualify for membership.
Offer expires Jan. 31, 2015. 6.50% APR valid up to $3,500
limit with a 12-month repayment term.
Email:
~ VOLUNTEER ~
Have you ever wondered what it would be like to help
run a business with over $44 million in assets and over
6,000 members?
Do you want to help others meet their financial goals?
Are you looking for a way to use your skills and talents to
give something back to your community?
Are you interested in helping to set the future direction
for a dynamic organization?
STJ's volunteers do all that- and much more! As a member-owned financial cooperative, STJ relies on member volunteers to serve on its
Board of Directors and Supervisory Committee. Volunteers ensure financial soundness and guide strategic and policy decisions in a wide
variety of areas including technology (i.e, website, online banking),
branch deployment, product development, marketing and member services. By becoming a STJ volunteer, you can help your credit union
continue to grow and respond to members' needs. Volunteering also
provides an exciting opportunity to learn, develop business and leadership skills, and network with others. STJ volunteers are an integral part
of STJ's success.
Supervisory Committee Member Needed: The Supervisory Committee verifies credit union records, monitors financial controls and procedures, and works with STJ's internal auditors and external audit firm.
Committee members typically meet on a monthly basis, and have access to free training and education to help them fulfill their role.
As you can see, the Supervisory Committee is very important to STJ's
success. For this reason, we ask the applicants meet all the following
important qualifications:
•
•
•
•
•
•
•
Membership in good standing with STJFCU for 2 years
Favorable credit rating
At least 18 years of age and bondable
Available for all monthly and occasional special meetings
Willing to attend planning sessions and training programs at the
credit union's expense
Able to work as a team member
Not a relative or family member of or in a significant relationship
with a current STJFCU employee, Director, or Supervisory Committee member
If you would like to pursue this exciting opportunity, please email Cari Huthmacher at [email protected] or call (330) 478-8400 X103.
www.stjfcu.org
Christmas
Club
All the tools you need for
financial success,
ALL IN ONE PLACE.
All members that currently
have a Christmas club
account- money will be
transferred into your
regular share on October 1st
after dividends are posted.
Online Banking
just got even
BETTER!
Imagine being able to quickly view your personal accounts, investments, mortgage and credit card info all in one place, regardless of
where you have the accounts.
Now you can, with Money Desktop.
Money Desktop from STJ is a money management tool designed to
help you reach your financial goals. Whether you want to reduce
debt, increase retirement contributions or save for a specific purpose.
This handy free device lets you manage and track your budgets, set
goals, and stay on top of your finances with many customizable tools,
pie charts, calendars, alerts and widgets.
With Money Desktop, you can:
•
•
•
•
•
Access all your accounts in one place
See purchases, payments, bills and savings at a glance
Budget for spending and savings
Set and track financial goals
Monitor your cash flow
An STJ Christmas Club account will have you decking
the halls stress free. This account allows you to set aside
spending money for the holidays. By setting up a hasslefree Christmas Club account, you'll be less likely to get
overwhelmed and stressed out during the holidays, and
less likely to pull out your credit card to charge all of
those gifts.
A Christmas club account is simple: You put aside a little
bit of money on a regular basis. It adds up during the
year and you get the money in a lump sum the first of
October- just before Christmas. Fund it via direct deposit
and with money deducted from your paycheck starting
now, you can steadily save for the holidays without the
guilt of having to pay off a credit card after all the and
fun is over.
VISA GIFT CARD
Plus this lets you work from an easy-to-understand dashboard, quickly find the information you need, and track your net worth month by
month.
Take charge now to pay down your debt, track your spending and
boost your savings. Sign up for this free tool today. Just log into your
online banking account with STJ to get started.
This holiday season, give the gift
that is always in style! When you
give someone a Visa Gift Card, you
don’t have to worry about sizes,
colors or styles. The Visa Gift Card
is a prepaid card that is welcome at millions of locations, wherever Visa cards are accepted.
You can purchase a STJ Visa Gift card at any one of our convenient locations in any amount from $10 up to $1000 at a cost of
just $2.50 per card.
www.stjfcu.org
WELCOME NEW EMPLOYEES
On Dasher, On Prancer,
On VISA
STJ is pleased to announce that we have added
several new employees into the family! Please
help us welcome Scott Gerber as our Recovery
Specialist, and two new Member Service Reps
Brittany DeLong and Jordan Jenkins. We are
very excited to have them join us so please help
the Staff and Board of Directors in welcoming them!
KEEP YOUR CREDIT UNION IN YOUR POCKET
THIS HOLIDAY SEASON!
Using your STJ VISA card for all your holiday purchases will
not only get your shopping done, but it will also save you
money. Compare our VISA card with other credit cards or department store cards. You will most likely find you’re being
charged a high rate (some are even above 18%) or an annual
fee. Put those cards away and take out your STJ VISA card.
DON’T HAVE A STJ VISA CREDIT CARD?
Apply now at www.stjfcu.org or visit one of our
convenient locations.
Scott Gerber
Brittany DeLong
Recovery Specialist
Member Service
Representative
Jordan Jenkins
Member Service
Representative
LOAN RATES
WE NOW OFFER RELOADABLE
VISA PREPAID CARDS
NEW CARS (2009-2014)........72 months...............2.99% as low as
USED CARS (2005-2008).........60 months.............3.25% as low as
* Annual Percentage Rates based on creditworthiness, so your rate
may differ. Rate discounts can be applied, but cannot cause the
rate to fall below the 2.99% APR minimum.
Payment example: Loan amount of $20,000
at 2.99% APR for 72 months would have a
monthly payment of $304.00.
DIVIDENDS
Dividends
Shares:
IRA Shares:
Holiday:
Rate
.05%
.10%
.10%
*APY- Annual Percentage Yield
APY*
.05%
.10%
.10%
This prepaid card gives you convenience, access, and security in
the palm of your hand. Visa Reloadable Cards are perfect for travel,
college students, and teens in addition to being a great budgeting
tool. They're the new and innovative way to manage your money.
•
CONVENIENT. Make purchases everywhere Visa cards are
accepted - in store, online, by phone, or by mail order.
•
SECURITY. Smart and cost-effective alternative to carrying
cash.
•
CONTROL. Spend only what funds you load on the card and
track your spending for improved budgeting and financial
management.
•
FEES. Each personalized VISA Reloadable Card has a
purchase fee of $5.00.
For more details ask a Member Service Representative today!
~ VISIT US AT ONE OF OUR THREE CONVENIENT LOCATIONS ~
MAIN OFFICE
1811 Whipple Ave. NW, Canton, OH 44708
330-478-8400 • Fax: 330-478-8362
HOURS:
Monday - Wednesday: 8:30 am - 4:30 pm
Thursday - Friday: 8:30 am to 6:00 pm
Saturday: 8:30 am to 12:30 pm
EQUAL HOUSING
OPPORTUNITY
LOUISVILLE BRANCH
315 Sherban Court, Louisville, OH 44641
330-871-8401 • Fax: 330-871-8501
HOURS:
Monday - Wednesday: 8:30 am - 4:30 pm
Thursday - Friday: 8:30 am to 6:00 pm
Saturday: 8:30 am to 12:30 pm
VIRTUAL BRANCH
www.stjfcu.org
www.stjfcu.org\mobile
HOURS:
24 Hours/7 Days a week
Remember…the office may be closed but our third Branch is always open online at
www.stjfcu.org, mobile banking, text banking and CU Dial 330.478.9838.
www.stjfcu.org