1. society
2. work
3. unions

JULY 2014
APRIL 2015
A QUARTERLY NEWSLETTER OF LAUNCH FEDERAL CREDIT UNION
GETTING READY FOR SUMMER FUN IS EASY WITH LAUNCH FCU
Your home is your biggest investment,
and you want to take care of it. With
a Launch FCU Home Equity Line of
Credit (HELOC) or a home equity loan,
you can let your home help pay for its
improvements.
There are two ways you can borrow
from your home’s equity.
A home equity loan lets you borrow
a lump sum and pay it back over a
é[HGWHUPDWDé[HGLQWHUHVWUDWHOLNHD
mortgage or car loan). A home equity
line of credit (HELOC) works more like a
credit card. It makes a certain amount
of credit available on an as-needed
EDVLVIRUDOLPLWHGWHUPVXFKDVéYH
or 10 years, followed by a repayment
period of up to 15 years. Its interest rate
changes with the market.
A home equity loan makes sense
if you need a large amount all at
RQFHIRUDVSHFLéFSURMHFW$+(/2&
might make more sense if you need
to borrow smaller amounts over a
longer period. So if you need a new
roof, air conditioner, want to update
your kitchen or bathroom, or a pool
VRXQGVWHUULéFWKHQLaunch FCU can
help get the money you need. Launch
FCU’s new higher limits on HELOC
loans can give you the money for any
VL]HSURMHFW<RXFRXOGEHUHDG\IRU
summer fun quickly!
Are you thinking of buying a home?
,I\RXoUHMXVWVWDUWLQJRXW/DXQFK)&8
KDVDéUVWWLPHKRPHEX\LQJSURJUDP
that can help you. If you are looking for
a larger place or a different location,
talk to a member of the Launch FCU
mortgage team. You could pay as little
as 3% down on a mortgage, making
your home purchase very affordable.
“Apply For A Mortgage” button. Fill
out the simple online application, and
you’ll have a lot of your paperwork
completed.
Launch FCU mortgages are
FRQYHQWLRQDOé[HGUDWHORDQVJLYLQJ
you peace of mind. Your mortgage
with Launch FCU will always be
serviced here at your credit union
because we won’t sell your mortgage.
You’ll always be able to talk to us
about your loan.
Applying for a Launch FCU mortgage
is easier than ever. You can apply
in person or start the process from
the convenience of your home, with
the online mortgage application.
Just go to www.launchfcu.com,
Loans>Mortgage, and click on the
Whether it’s a Home Equity Line of
Credit (HELOC), a home purchase,
DUHéQDQFHDORWORDQRUIRUDQ
investment property, the Launch FCU
Mortgage Team is here to help. Make
an appointment with a Mortgage
Specialist and arrange to meet at
the Launch FCU branch nearest your
location. With some of the lowest
rates in years, ease, accessibility, and
personal service gives your Launch FCU
mortgage added value. Call 321-4559400 (inside Brevard) or 800-662-5257
(outside Brevard) option 4, and ask for
the Mortgage Department.
Launch FCU’s goal is to help you as you
move into the future. Whether through
technology or service, our objective is
to help you go beyond.
REFER A FRIEND AND
GET TEN BUCKS
/DXQFK)&8LVSURXGWREH\RXUéQDQFLDO
LQVWLWXWLRQ%ULQJLQJ\RXJUHDWéQDQFLDO
products with friendly, helpful service is our
goal, so we can help you go beyond in life.
We’d like to do the same for your friends
and family. Now, when you refer a new
member to Launch
FCU and they open
a checking account,
we will deposit $10
into your Launch FCU
savings account.
Your friend or family
member will have
their membership
fee waived, along
ZLWKDOOWKHEHQHéWV
of opening an account at Launch FCU.
Pick up a form at any branch, or print a
form from the website at www.launchfcu.
com. Share Launch FCU’s commitment to
our members, and refer your friends and
family to Launch FCU. Give them the gift
of credit union membership, with low rates,
ORZIHHVDORQJOLVWRIEHQHéWVDQGJHW
for yourself.
SAVE MONEY, SAVE TIME, & WIN WITH BILLPAYER
Have you enrolled in Launch FCU’s BillPayer? Now is the perfect time to
eliminate a monthly pile of paperwork from your life and pay your bills online.
Simply log into Online Banking through the Launch FCU website, www.
launchfcu.com, and enroll in BillPayer. It’s safe, secure, and simple to use,
and it’s FREE. Whether you want to pay a bill soon
or schedule a payment for later, you’ll never have
to mail a bill payment again. No more stamps or
envelopes.
If you’re not already enrolled in Online Banking, go
to any branch to sign up. Then you simply log into
Online Banking, click the BillPayer icon, and follow
the instructions. Once you’ve enrolled, you can use
it anywhere you are, whether you’re at a computer
or using Mobile Banking on an iPad or smartphone.
%LOO3D\HULVQRWMXVWIRUSD\LQJXWLOLW\ELOOVHLWKHU\RX
can set small businesses and individuals as payees,
and a check will be sent for you.
There are specialized payment options available,
such as Person-to-Person (POP) transfer, and
H[SHGLWHGSD\PHQWWKDWPD\HQWDLODVPDOOIHH
However, BillPayer itself is FREE, whether your payment
is ACH or check.
If you enroll now you’ll be eligible to participate in the
great “It Pays Off To Use BillPayer” drawing! From April 1st through June 30th, all
Launch FCU members who are signed up for BillPayer and pay at least one bill
a month will be placed in a drawing to win an iPad mini™!
If you’re already enrolled and using BillPayer, then you’re already entered. For
complete rules, see our website at www.launchfcu.com. Use BillPayer today!
FREE SHRED EVENTS AT SEVERAL LAUNCH FCU BRANCHES
'R\RXKDYHGRFXPHQWVROGELOOVRUROGWD[SDSHUVWKDWQHHGWREHVKUHGGHG"
Launch FCU is sponsoring shred events for members, with a mobile shredding
truck from Progressive Document Destruction to shred members’ personal
documents at no charge.
Paperwork will be shredded and destroyed prior to being recycled. You will be
able to view your documents being shredded via a closed-circuit TV within the
VKUHGGLQJFRPSDUWPHQW:HDVNWKDW\RXEULQJMXVWSDSHUPDWHULDODQGSOHDVH
UHPRYHDQ\SODVWLFEDJVRURWKHUSODVWLF0DWHULDOWRVKUHGLVOLPLWHGWRéYH
ER[HVRURWKHUFRQWDLQHUV
Friday, April 17th
8:30 a.m.-10:30 a.m.
Merritt Island branch
415 Fortenberry Road
Friday, May 1st
3:00 p.m. to 5:00 p.m.
Port St. John branch
7347 North Hwy. U.S. 1
Monday, May 18th
8:30 a.m. to 10:30 a.m.
South Daytona branch
2290 S. Ridgewood Ave.
LAUNCH FCU BRANCH COMING SOON
TO ORANGE CITY
/DXQFK)HGHUDO&UHGLW8QLRQLVH[SDQGLQJ
with a new branch in Orange City in Volusia
County. The new full-service branch will be
located at the intersection of Harley Strickland Boulevard and Veterans Memorial
Highway, in front of the West Volusia Towne
Center and Kohl’s. It will feature a drive-thru,
a drive-up ATM, ample parking, and safe
GHSRVLWER[HV
The new branch will allow consolidation of
the nearby Deltona location at this new,
larger branch. The building should be completed in summer of 2015. Watch our website, www.launchfcu.com, for information
about the new Orange City branch’s Grand
Opening Celebration.
LAUNCH FCU CONGRATULATES FIRST SEMESTER “A POSITIVE FUTURE” PROGRAM WINNER
In an effort to reward our local students who “make the grade” and encourage students to do well,
Launch FCU presented student members with an opportunity to show us their “A’s”, and enter to win.
One winner was drawn from submitted entries. Desiree W., a 10th grader from Edgewood Jr./Sr. High
School in Merritt Island, won an iPad® Mini.
&RQJUDWXODWLRQVWRRXUZLQQHUDQGJUHDWMREWRDOOZKRHQWHUHGIRUJHWWLQJWHUULéFJUDGHV.HHS
working hard and enter again in June for our second semester “A Positive Future” drawing.
GO WILD ABOUT SAVING WITH NATIONAL CREDIT UNION YOUTH MONTH
Launch Federal Credit Union, along with credit unions
around the country, recognize and understand the
éQDQFLDOQHHGVRIRXU\RXWKDQGZRUNGLOLJHQWO\WRUHDFK
out to them in fun, creative, and meaningful ways. One
of the many youth-centered credit union initiatives is
CUNA’s National Credit Union Youth Month.
This April, youth can take a walk on the wild side at the
FUHGLWXQLRQ:KHWKHUWKH\oYHEHHQWRWKHMXQJOHRUQRW
the call of the wild is enticing to youth of all ages. This
\HDUWKH\FDQFKHFNRXWWKHFUHGLWXQLRQoVéQDQFLDOPHnagerie without a trip to the banking zoo.
During the month of April, youth will have the opportunity
to go on safari at the credit union as Launch FCU celebrates National Credit Union Youth Month™. This year’s
theme, “Wild About Saving™,” encourages youth to use
resources available at the credit union to help them cut
PROTECT YOUR VALUABLES WITH A
SAFE DEPOSIT BOX
Do you have valuables or important papers that you prefer
not to keep at home? Whether it’s a will or a USB drive with
WKHLUZD\WKURXJKWKHMXQJOHRI
éQDQFLDOUHVSRQVLELOLW\%HIRUH
long, they’ll be leading their
own savings safari.
Stop by Launch FCU and get
in on the action! During the
month of April, Launch FCU
will celebrate with a special
drawing for young members.
Members under the age of
18 who make a deposit into
their savings account, or new
members under 18 who open their account during this
month, will be entered into a special drawing for an iPad
mini™. So all young zoologists should come into Launch
FCU, and get wild about saving!
NOTICE OF MAILING
For auditing purposes, you may receive a letter from Hutto
& Carver, P.A. If you receive this letter, please follow the
LQVWUXFWLRQVDQGFRQéUP\RXUDFFRXQWEDODQFHV7KLVLVD
legitimate mailing and your information will not be shared.
EDFNXSéOHVDQGIDPLO\SKRWRV/DXQFK)&8FDQSURYLGH
a secure location for your important items. Most branches
KDYHVDIHGHSRVLWER[HVDYDLODEOHLQYDULRXVVL]HV&RPH
to one of these branches and speak to a Member Service
5HSUHVHQWDWLYHWRéQGRXWDYDLODEOHVL]HVDQGDSSOLFDEOH
charges.
Available Locations
South Daytona - DeLand
Edgewater - Titusville
Port St. John - Merritt Island
Rockledge - Melbourne
Palm Bay
ATTEND THE ENTERPRISE
USED CAR SALE MAY 15-16
Make plans to visit the Merritt Island branch on May 15th and
16th. Launch FCU is partnering with Enterprise Car Sales for a
special sale. This sale will feature great deals on fully warranteed used vehicles. It will be a good opportunity for deals on
JUHDWYHKLFOHVZLWKéQDQFLQJ\RXFDQDIIRUG
Go to any branch, or call 321-455-9400 (inside Brevard) or
800-662-5257 (outside Brevard), opt. 4, and get pre-approved
for a loan. You’ll know what your rate and payments will be
ahead of time, and you’ll be able to shop for a vehicle with
FRQéGHQFH)RUWKHPRVWFRQYHQLHQFHDSSO\IRU\RXUORDQ
online at www.launchfcu.com. You’ll get a fast response and
save yourself a trip to the credit union.
WILL YOU BE TRAVELING? ALERT LAUNCH FCU
Launch FCU and Visa
try very hard to protect the safety of your
credit and debit card.
If your spending habits
change suddenly,
it can trigger a hold
on your Visa credit or
debit card.
If you plan to be traveling, please notify Launch FCU.
Just call a Member Service Representative at 321-4559400, option 3 (inside Brevard) or 800-662-5257, option 3
(outside Brevard). They will place a travel alert on your
Visa account.
This will prevent any interruptions in service while using
your Visa card. Help Visa and Launch FCU keep your
card secure.
BRANCH HOURS
M - W 9:00 A.M. - 5:00 P.M.
TH & F 9:00 A.M. - 6:00 P.M.
Drive-thru opens at 8:30 A.M.
LOCATIONS
VOLUSIA
Coming Soon to Orange City!
South Daytona
2290 S. Ridgewood Ave.
r
GET MONEY FOR ALL YOUR PROJECTS WITH A LAUNCH FCU SPRING LOAN.
It’s springtime, and whether you want to spruce up
your house or take a vacation, it’s time to make
SODQV*HWWLQJWKHPRQH\IRUSURMHFWVRUDGYHQWXUHVLV
simple with the Launch FCU Spring Loan.
DeLand
301 W. New York Ave.
386-734-5200
„ Borrow up to $5,000*
„ 12 Month Maximum Term*
„ Rates as low as 7.99% APR*
„ Available through April 30, 2015
Deltona*
2783 Elkcam Blvd., Ste. 101
386-917-0656
Edgewater
2810 S. Ridgewood Ave.
386-428-7098
BREVARD
Titusville
3950 S. Washington Ave.
321-268-3070
APPLY ONLINE AT LAUNCHFCU.COM.
USE THE E-SIGNATURE FEATURE TO SIGN FOR YOUR LOAN!
APPLY AT ANY BRANCH, OR CALL:
Port St. John
7347 N. Hwy. U.S. 1
321-639-0600
321-455-9400, Opt. 4
800-662-5257, Opt. 4
Merritt Island
415 Fortenberry Road
321-455-9400 or 800-662-5257
Rockledge
3300 Murrell Road
321-455-9400
Melbourne
2200 North Wickham Road
321-455-9400
Palm Bay
5225 Babcock St. NE
321-455-9400
RESTRICTED ACCESS BRANCHES
KSC Headquarters Building*
Room 1243, Kennedy Space Center
M-F 8:00 a.m.-4:00 p.m.
321-455-9410
KSC Multi-Function Facility*
Room 102, Kennedy Space Center
M-F 8:00 a.m.-4:00 p.m.
321-455-9420
(Inside Brevard)
(Outside Brevard)
*APR = Annual Percentage Rate. Loans require credit approval. Term of loan limited to a
maximum of 12 months; maximum loan amount $5,000. (Payment example: payments on a
loan with a term of 12 months at 7.99% APR would be approximately $87.02 per $1,000 borrowed.) The rate you pay is based on credit history and term. One time $5 membership fee
and $25 minimum deposit required to open account for new members.
NEW BOARD MEMBERS ANNOUNCED AT LAUNCH FCU ANNUAL MEETING
The Annual Meeting of the Membership was held February 18th at the La Cita Country
Club in Titusville. Members voted for three of the candidates on February 17th at the
branches and on the 18th prior to the meeting.
-$OEHUW'LJJV-U&KDUOHV(-HQNLQV-UDQG<YRQQH3DUNHUZHUHHOHFWHGWRéOOWKUHH
\HDUWHUPVRQWKH%RDUGRI'LUHFWRUV7KHPHHWLQJZDVZHOODWWHQGHGDQGHQMR\HG
Several members won prizes at the event.
*No Drive-thru
Merritt Island Administration
300 S. Plumosa Street
Merritt Island, Florida, 32952
321-455-9400 or 800-662-5257
EXECUTIVE OFFICERS
Joe Mirachi, President/CEO
Kevin LeBeau, CFO
Margie Mitchell, COO
Kevin Correa, CAO
Queen Fisher, VP/Internal Audit
Cindy Holmes, HR Director
Kelly Haskins, Marketing Director
Grady M. Hudson, IT Director
Susan Smith, Compliance Director
BOARD OF DIRECTORS
Charles E. Jenkins, Jr., Chair
Marilyn Cherubini, Vice Chair
Dan Sicchio, Secretary
Lonnie Blocker, Treasurer
Delores Abraham
J. Albert Diggs, Jr.
5REHUW*ULIéQ
Yvonne Parker
Nadine Parrish
SUPERVISORY COMMITTEE
Judith H. Zollinger, Chair
S. David Banks
L. Joanne Wilson
Federally insured
by NCUA
DIVIDENDS ESTABLISHED
Month Ending March 31, 2015
FREQUENTLY CALLED
NUMBERS
SAVINGS
$25.00 - $199.99 (minor accts)
$200 - $2,499.99
$2,500 - $9,999.99
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and up
RATE
.10%
.10%
.10%
.10%
.10%
.15%
.25%
APY*
.10%
.10%
.10%
.10%
.10%
.15%
.25%
CHECKING
IRA
HOLIDAY ACCOUNTS
SECURED VISA ACCOUNT
.10%
.20%
.15%
.05%
.10%
.20%
.15%
.05%
April 2015
IRA
.20%
.20%
Call Center
321-455-9400, Option 3
(Inside Brevard County)
HOLIDAY CLOSINGS
All branches of Launch FCU will
be closed on Monday, May 25th for
Memorial Day.
1-800-662-5257, Option 3
(Outside Brevard County)
VoiceTouch24
321-455-9400, Option 2
1-800-662-5257 Option 2
Visa (Lost/Stolen/Activation)
1-800-543-5073
*”APY” as used above means “annual percentage yield”. Contact a
Credit Union employee for further information about applicable fees
and terms. Dividends will be compounded monthly, and dividend
rates may change monthly. Please see www.launchfcu.com, call
321-455-9400 or 1-800-662-5257, or inquire at your local branch for
current rates.
launchfcu.com