bgcu around the globe spring 2013 Wherever you go... n There we will be through new network INSIDE 2 n Learn how to pay off college loans faster 3 n Perfect trio: teens, games, scholarships 4 n Traveling? New card the perfect partner Let us help you solve your financial puzzle Do you want to save money and learn how to improve your financial situation? OUR VISION: We exist to help our members reach their financial dreams. OUR MISSION: To exceed our members’ expectations through exceptional service. We invite you to sit down with a BGCU loan professional. Together we will review your credit report, loans and rates – all the pieces key to financial dreams. Our free, no-obligation service gives you the opportunity to understand how your use of different types of credit affects your financial life. around the globe nTwo re-elected Members back Shea, Evans for new terms. n Funding the gap 3 options offered to pay off college loans faster. “A goal is a dream with a deadline.” ~ Napoleon Hill American author THE ANNUAL MEETING -- this year held March 19 at Germania Hall -- is a time for learning about your credit union, electing representatives and winning prizes! At left, Vern Brusewitz accepts a cash prize from Laurie, while, at right, Drew Raimer gets a cash prize from Heidi. Credit union members re-elected Bryon Shea and Dave Evans to three-year terms. BGCU Board officers are Craig Samolinski, chair; Cindy Phillips, vice chair; Bryon Shea, secretary; and Carla Watson, treasurer. Paying for college -- the smart way Badger Globe Credit Union is proud to announce a new student loan opportunity. This loan is available to our members attending college, members with children attending college, as well as members’ family members. As college tuition costs continue to rise, more students are in need of private student loans to help fund the gap between financial aid and college expenses. With the Smart Option Student Loan® from Sallie Mae® in partnership with Badger Globe Credit Union, you can choose from three in-school repayment options to help you pay off your loan faster and save money compared to the conventional private loan. By offering interest rates among the lowest in the country, the Smart Option Student Loan enables you to choose to make payments while in school and graduate with less loan debt or defer your payments and enjoy more flexibility while in school. PInterest Repayment Option - Take advantage of a shorter loan term and maximum savings on your total loan cost. PFixed Repayment Option - Pay a small fixed monthly payment while in school to take advantage of a shorter repayment term and save on your total loan cost PDeferred Repayment Option - Defer payments until after school, or pay as much as you want while in school, to enjoy maximum flexibility while still paying off faster than the conventional private education loan Features and benefits of the Smart Option Student Loan® include: uInterest rates among the lowest in the nation uBorrow up to 100% of school-certified education costs (minimum $1,000) uRewards for on-time payments and automatic payment plans uApplying with a creditworthy cosigner may help applicants qualify and receive a lower rate uFast online application uNo prepayment penalty uNo application or disbursement fees Seeking higher education is an exciting and valuable experience, and we want to help make it happen. Together we can do this. Find resources for navigating the college application process, learn more about the Smart Option Student Loan, and apply at www.badgerglobecu.org. badger globe credit union spring 2013 Whopping $1,065 raised to help sick kids Thanks to the generosity of our members and the wonderful cooperation of our staff, Badger Globe Credit Union was able to raise $1,065 for the Children’s Miracle Network. Several events throughout February helped ring up the impressive total. Keeping the interest lively was a friendly competition between two teams of staff members. The bet? The losing team had to prepare and serve lunch to the winning team! Besides selling links for $1 each, staff members organized a Walking Taco Day, an employee bake sale; and a DQ popcorn sale. We hope you enjoyed it! The Children’s Miracle Network is a fundraising and awareness campaign established to actively support improved health care. Children’s Hospital of Wisconsin in the Fox Valley, 130 n Thank you! Your donations will help cure children’s illnesses. “Insist on yourself. Never imitate.” The team put up a good effort, but, from left, Annie, Heidi, Donna, Jenny, Denise and Linda lost the bet and had to serve lunch to the CMN winners. ~ Ralph Waldo Emerson American essayist, poet Second St., Neenah, is the only hospital in the Valley dedicated exclusively to children’s care. A heads-up for high school students, parents 1. Going to college is expensive. 2. Making real-life financial decisions can be difficult, especially for a young person. 3. Playing online games can be fun. High school students can learn some of the ins and outs of life’s financial choices by playing an online game that also offers the opportunity to earn college scholarships. How? Through Money Mission! It’s a national scholarship challenge for college-bound high school seniors, but students as young as 15 can start playing to get familiar with the game. By playing Money Mission, students gain insight into how the choices they make with money will influence the choices they’re able to make in the rest of their lives. nPlay and learn! Students can ‘play’ with money and earn rewards. A new Mission starts April 30. Call for details. BGCU tidbits - choice chunks of info to know Tell us what’s happenin’ It’s important for members to keep their personal information with us up to date. How can you let us know about changes to your address, phone or email? Either: anotify us in person, acall us at 722-2122, or amake the changes yourself online. Log into your account. Click the Self-Service tab. Change the information. Get summer fun discounts Dreaming about summer fun? When you are ready, stop at BGCU to get discount tickets to some of the best fun sites around: aMilwaukee Zoo aSix Flags Great America aMt. Olympus aNoah’s Ark Save a life! nBe in the know! Badger Globe Credit Union Set time aside for blood has scheduled a blood drive drive, keep info up to date with the Community Blood Center for 2-5 p.m. Thursday, June 13, in our parking lot. Reservations are appreciated but walk-ins also are welcome. Mark your calendar Our office will be closed Memorial Day, May 27, but we’re available online or by BART. PRSRT STD U.S. POSTAGE PAID NEENAH, WI Permit No. 226 260 North Green Bay Road, Neenah, WI 54956-2245 Phone: 920-722-2122 • Fax: 722-5742 • BART: 1-855-685-9078 Web site: www.badgerglobecu.org Credit Union Hours: Lobby: M-F: 8:30am - 5pm Drive-Up: M-Th: 7:30am - 5:30pm F: 7am - 5:30 pm Save for your rainy day! Printed on paper with minimum 10% post-consumer waste. Please enjoy & then recycle! “Stuff” happens. When it does, it’s good to know you’ve got money saved to replace or repair. Start today! Visa CUMoney Travel Card a perfect partner n Your BGCU answers your Frequently Asked Questions. to you. answered Q. What’s a better option than cash when I travel? A. Its online management tool lets you track spending. You can learn how much you’ve spent and how much is left. FAQs A. Purchase BGCU’s new Visa CUMoney Travel Card for only $9.95! Safer than carrying cash, it’s not tied to your checking or savings so if it’s lost or stolen, there’s no risk Q. Can I track my use of it? Q. Are there other benefits? A. Each registered card also includes 90-day purchase protection, travel and emergency assistance and lost luggage reimbursement. Q. What if it runs low? A. Reload your card in amounts from $100 to $5000 for a nominal fee. Call if you have questions. BGCU will be there ... wherever you are! n n “Shared branching” is a network of credit unions that “share” their branches with each other. We will soon be a part of that. move away, you can still find a credit union branch to meet your basic financial needs, one just as safe as our Green Bay Road office in Neenah. acall 1-800-919-CUSC (3872) avisit www.cuservicecenter.com adownload the “FindBranch” Our participation means that if you travel, change jobs or To find any of the more than 5,000 participating branches: Watch our website. We hope to have this in place in June. app to your iPhone, or alook for the “Swirl” logo. Another Birthday Club quarterly winner enjoys $25! Congratulations to Kayla Hildebrandt of Appleton! She is BGCU’s Birthday Club winner for the last quarter and re- ceived $25 in her account. If you are between ages 1 and 18, watch for your special BGCU birthday card inviting you to schedule a visit. When you visit, enter your card for a chance to win.