U$X Federal Credit Union® Conveniently Located To Serve You Better 1-888-219-3159 www.usxfcu.org Audio Response 1-800-590-0207 Cranberry Main 1293 Freedom Rd PO Box 1728 Cranberry Twp PA 16066-0728 Fax: (724) 779-4656 Cranberry East 1694 Route 228 Ste 106 Cranberry Twp PA 16066-5324 Fax: (724) 772-0707 Greensburg 446 W Pittsburgh St Greensburg PA 15601 Fax: (724) 853-9374 Jefferson MOB Ste 109 575 Coal Valley Rd Jefferson Hills PA 15025-3730 Fax: (412) 469-7176 Findlay Interstate Plaza 1038 Interstate Court Findlay OH 45840-1900 Fax: (419) 427-0125 Marathon 539 S Main St Rm 1024 Findlay OH 45840-3229 Fax: (419) 421-2339 New Stanton 100 Bair Blvd PO Box 657 New Stanton PA 15672-0657 Fax: (724) 925-3808 Sarver 479 N Pike Rd Sarver PA 16055-8635 Fax: (724) 352-5958 Pittsburgh Concourse Level 600 Grant St Pittsburgh PA 15219-2702 Fax: (412) 433-4726 Administration and Legal Correspondence 1293 Freedom Rd PO Box 1728 Cranberry Twp PA 16066-0728 Fall 2014 PRESIDENTS MESSAGE I recently attended a conference and was reminded that our core values are the foundation of everything we build. The world around us changes constantly, the tools we rely on are constantly evolving, but the values by which we live should be rock solid. One of the experts shared that the world as we know it between birth and age 15 is “the way the world is”, the inventions which take place between age 16 and 35 are “ingenious inventions”, and changes which take place after age 36 are “just evil incarnate.” This experiential time stamp obviously affects our generational perspectives. What are the core values on which U$X FCU (originally the Carnegie-Illinois Steel General Office Employees FCU) was founded and has been built? Doing the right thing for the member, the members, and the field of membership Providing a rewarding experience to each member we serve Improving the financial life of each person we meet Making decisions locally to help each member we can Teaching members to manage their financial futures and achieve success Maintain the security of Capital strength How do we deliver our value proposition to the members? Value based products that serve our members delivered conveniently Innovation to deliver service when, where and by the method members prefer Hire people filled with compassion and the ability to communicate solutions to members Dedicated, professional volunteers who cast vision and oversee credit union strategic direction Managing risk to minimize adverse consequences from economic and environmental changes Given that the world in which we grew up affects our perspective regarding the world around us, what decision model might serve you best? I would suggest that you select a business partner that has your values and your best interest at heart. What feature do you value most? Price, Quality, Service, Quantity, Thrift, Family, Establishing strategic value for the next generation. U$X FCU tries to deliver each of these things. Consider your options when approaching any financial decision. While you may occasionally find a better price, in all probability you will forgo one or more of the core values U$X FCU delivers. Make your decisions based on core values to position yourself strategically for the future. My continued thanks for the privilege of serving you. Best Regards, David R. Ackerman President/CEO Holiday Closings: All U$X Federal Credit Union Offices will be closed on the following dates in observance of the related holiday. Columbus Day Veteran’s Day Thanksgiving Day Monday, October 13, 2014 Tuesday, November 11, 2014 Thursday, November 27, 2014 Christmas Day (observed) New Year’s Day (observed) Thursday, December 25, 2014 Thursday, January 1, 2015 Please contact your local branch office for other changes to normal operating hours. Volume 24 Issue 3 WELCOME To Our New Members! The Board of Directors and Staff would like to welcome the following new companies, associations and their employees or members to U$X FCU: Amalgamated Transit Union - Local 1738 Investors Capital MAZ Group Michael Peuler LLC Mountain Watershed Association Nicklas Supply Remember if your co-workers are not yet members of U$X FCU, you can get paid for introducing them to the credit union. Ask our staff how. Notice of Election An election to fill three vacancies on the U$X FCU® Board of Directors will be held at the Annual Meeting scheduled for Wednesday, April 22, 2015 at the Four Points by Sheraton, Cranberry Twp. PA, 16066. No nominations will be accepted from the floor. A Nominating Committee appointed by the Chairman will nominate candidates for election to the Board of Directors. The Nominating Committee will select one nominee for each vacant seat on the Board. Interested members can become a candidate for Board Membership by requesting a “Petition Packet” from the Nominating Committee. The “Petition Packet” will require the member to obtain the name, address, account number and signature from 1% of the membership as of the previous year-end. The petitioner must submit the complete packet to the Nominating Committee by December 5, 2014. The Nominating Committee will then validate the candidate and verify the information submitted in the “Petition Packet”. Once the Nominating Committee has approved the candidates, the names of all qualified candidates running for election to the Board will appear on the ballot at the Annual Meeting. A short biography of each candidate will appear in the next quarter’s newsletter. The members present at the Annual Meeting will vote to determine who will serve on the Board of Directors. Any member of the credit union at least 18 years of age may qualify to serve on the Board of Directors. If you have an interest in serving, you may request a “Petition Packet” by writing to: Chairperson, Nominating Committee U$X Federal Credit Union, PO Box 1728, Cranberry Twp., PA 16066 Request for “Petition Packet” must be received no later than November 14, 2014. The Board of Directors, Staff and Members of U$X FCU would again like to welcome the members of the following credit unions to our family! • Westho Federal Credit Union • IBM Pittsburgh Federal Credit Union • Pittsburgh Pepsi Cola Federal Credit Union As some of our newest members, you have the tremendous opportunity to enjoy the products and services available from a full service financial institution that continues to believe in the “people helping people” credit union philosophy. Please let us show you how we can help you raise your credit score, lower your monthly payments, eliminate high rate credit cards and protect you from predatory lending. Please stop into one of our 9 office locations or give us a call at 888-219-3159. Celebrate International Credit Union Day with U$X Federal Credit Union® Local Service. Global Good. On October 16, 2014, credit unions around the world will celebrate International Credit Union (ICU) Day®. That’s 200+ million people … from 56,000 credit unions … in 101 countries joining together to celebrate their cooperative spirit. Globally, this cooperative spirit has led to life-changing opportunities in the form of small business start-ups, home ownership, and education. In some countries, members encounter their first taste of democratic decision-making through their member-owned credit unions. This year, credit unions have been present during the most tumultuous moments around the world. Throughout the crisis in Ukraine, credit union volunteers were among the protesters in Kiev and are now attempting to maintain financial stability for their members. With the help of the World Council of Credit Unions, which is supported by credit unions in the U.S., Ukrainian credit unions are working on ways to ensure loans can be made to those who need it, and upholding the confidence of their members. On the other side of the globe, credit unions in the Philippines are dealing with the devastation left after the recent typhoon. With the help of credit union organizations around the world, they are now rebuilding and renovating affected branches to better fit members’ needs. After such destruction, these Filipino credit unions are helping people get back on their feet. And credit unions worldwide are providing the basis for development while serving local communities, with an unwavering belief in the “people helping people” philosophy upon which we were built. Locally, as a member of U$X Federal Credit Union, you and your financial stability are our top priorities. We invite you, our members, to take advantage of ALL U$X FCU’s products and services to meet your banking and borrowing needs with our member friendly, low-priced services. Globally, you’re part of a much bigger movement—the credit union movement—working towards global good each and every day. That’s definitely something to celebrate! In honor of International Credit Union Day our staff will be treating members to refreshments throughout the week of October 13th. Everyone that visits our offices during the week will be entered into a random drawing to win a VISA gift card.* Come celebrate with us! *No purchase necessary. Open to U$X FCU members that visit our offices only. The gift card drawing is scheduled for the afternoon of Friday, October 17, 2014. Winner need not be present and will be contacted by credit union staff. Copyright 2014 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved. Order your 2015 U$X FCU Calendar A limited supply of both the 2015 wall and pocket calendars have been ordered. They will be distributed on a first-come, first-served basis. If you have requested a calendar in previous years, you must renew your request for the current year to confirm your interest in receiving a calendar. If you would like a U$X FCU 2015 calendar, clip the order form from your newsletter, fill it out and mail it to the credit union. Calendars are scheduled to be delivered to the credit union on November 15, 2014. Orders will be filled after delivery. Calendar Request Form (please print) Wall (check box) Pocket (check box) Name:_______________________________________________________________________________ Mailing Address: _____________________________________________________________________ Please mail this form to: U$X FCU - Calendars • PO Box 1728 • Cranberry Twp PA 16066 "Where Membership is a Rewarding Experience" U$X FCU The Choice is YOURS! FREE Checking NO minimum balance required NO monthly service charge NO per check charges NO limit on checks written per month NO limit on checks deposited Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. But many individuals don’t realize there are options to consider when it comes to collecting Social Security. The decisions you make now could help you get more out of your benefits. Are you looking for more information about how to maximize your Social Security benefits? Members Plus with Interest $100 to open Low $1,000 monthly average daily balance to avoid fee Interest credited monthly FREE personal checks NO per check charges NO limit on checks written per month NO limit on checks deposited And so much more! PLUS…both accounts offer these convenient services! FREE VISA® debit card available 97,000 FREE ATMS FREE Online Banking through NetBranch FREE Online Bill Payment FREE E-Statements FREE Personal Financial Management Tool FREE Mobile Banking for the iPhone, Android and Mobile Web Browser FREE 800 Telephone Account Access Direct Deposit Payroll Deduction Overdraft Protection available If you open either our FREE Checking or Members Plus Checking with your net check direct deposit you’ll receive a $75 cash bonus*. *Restrictions may apply. Visit an office or speak to a credit union representative for details. U$Xtra! Quiz 1. The 2014 theme for International Credit Union Day is? a.Credit Unions. Connect. Build. Grow! b.Local Service. Global Good. c.Credit Unions Love the Beatles. 2. The U$X Financial Group will be hosting a seminar on November 19, 2014. What is the topic? a. 401K Rollovers b. Social Security and Your Retirement c. IRA’s and You Attend a Seminar on Social Security and Your Retirement Join us for one of the following educational seminars on “Social Security and Your Retirement” to be held on: November 19th at 12:00 PM at The Cranberry Municipal CenterCouncil Chambers, 2525 Rochester Rd, Cranberry Township, PA November 19th at 6:30 PM at Winfield Twp. Volunteer Fire Department- 200 Brose Rd. Cabot, PA Your plans for drawing Social Security are a critical financial decision, and if you know the “rules of the road” it can make a big difference in the success of your retirement journey. Whether it’s the timing of starting Social Security or options for you and your spouse to coordinate your income plans, the path you follow could help you get the most out of your benefits. This seminar will address these issues and answer more of your questions: • What are the rules for collecting your Social Security benefits? • How can spouses coordinate their benefits and possibly receive more? • Are there different routes to take that could potentially increase your benefit amount? • How can Social Security fit within your overall retirement income plan? This no-cost, no-obligation seminar is hosted by Nathan Rodgers, the U$X Financial Group Representative at U$X Federal Credit Union. For more information or to reserve your place, call 724-779-4895. Space is limited to the first 50 people at each location, so make your reservations today. Representative does not specialize in Social Security issues. For questions about your Social Security benefits, contact your local Social Security office. Representative is neither a tax advisor nor attorney. For information regarding your specific tax situation, please consult a tax professional. For legal questions consult your attorney. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-997934.1-0814-0916 Answer the following questions regarding U$X FCU® and win $25! 3. On what date will the U$X FCU Annual Meeting take place? a. April 9, 2015 b. April 16, 2015 c. April 22, 2015 4. U$X FCU has both a FREE Checking account and Checking with Interest. Whichever checking account best fits your needs, Mobile Banking and the 97,000 ATMs are free of charge to U$X FCU members? a. True b. False Name___________________________________________________________________________ Daytime telephone number_________________________________________________________ 5. When would your repayment start if you took advantage of the U$X FCU holiday loan special, Need Some Dough? a. December 2014 b. January 2015 c. February 2015 Answer all the questions correctly and send your entry to: U$X FCU, U$Xtra Quiz, 1293 Freedom Road, PO Box 1728, Cranberry Twp, PA 16066. All correct U$Xtra quiz entries must be received by October 31, 2014 and will be entered into a random drawing for a chance to win one of (6) six $25 prizes. If your entry is selected, you will be notified and $25 will be deposited into your Share Savings Account. Please do not include any personal banking materials (deposits, IRA withdrawals, loan payment, etc.) with your quiz entry. Employees or Volunteers of U$X FCU are not eligible. "Where Membership is a Rewarding Experience" U$X FCU U$X Federal Credit Union Need Some Dough? HOLIDAY LOAN SPECIAL!! Up To $1,500.00 as LOW as 8.49% APR* NO PAYMENTS UNTIL JANUARY 2015 for 10 MONTHS *APR=Annual Percentage Rate. Approval and actual interest rate granted will be based on credit worthiness, some restrictions may apply. To receive the promotional interest rate, you must have an active U$X FCU checking account with net check direct deposit. Members that open a new checking account and sign up for net check direct deposit may qualify for an additional $75 new account bonus. Loan proceeds will be disbursed ONLY after direct deposit has been started and received. Existing checking accountholders with net check direct deposit will qualify for promotional interest rate, however, will not receive the new account bonus. Repayment will start January 2015 and must be completed by October 31, 2015. No payment will be required until January 2015, however, interest will accumulate. Payments must be made by direct deposit or payroll deduction only and payments will coincide with member’s payroll periods. Offer is good to members in good standing. Offer Expires December 31, 2014. For members that do not have direct deposit available, we have other holiday loan options. Please call for details. U$X Federal Credit Union® Need Some Dough Loan Application CALL ME! I want to take advantage of U$X FCU’s great loan rates! (Phone)_____________ The best time to call is __ weekday __ weekend ____AM ____PM APPLICANT INFORMATION JOINT APPLICANT’S INFORMATION Full Name Member No. Full Name Member No. Address/City/State/Zip Date of Birth Address/City/State/Zip Date of Birth Social Security Number Home Phone Social Security Number Home Phone Employer Work Phone Employer Work Phone Years Employed Monthly Gross Income *Other Income $ $ Monthly Gross Income *Other Income $ $ Monthly Mortgage or Rent Payment Amount $ (circle one) Monthly Mortgage or Rent Payment Years Employed Amount $ (circle one) Verification of Income and employment is required *Income from alimony, child support or separate maintenance need not be revealed unless you wish such income to support a request for credit. In some instances the Credit Union may require your signature(s) to be notarized upon closing. ANY FAX OF MY SIGNATURE MAY BE HELD EQUALLY ENFORCEABLE AS MY GENUINE SIGNATURE. If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter. You also promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA. XX APPLICANT’S SIGNATURE DATE OTHER SIGNATURE DATE MAIL OR DROP OFF COMPLETED APPLICATION TO YOUR LOCAL BRANCH OFFICE OR FAX TO 724-779-4656. “Once A Member, Always A Member”
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