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Your Community,
Your Credit Union
ALCOA TENN
Federal Credit Union
An Official Publication of Alcoa Tenn Federal Credit Union
Volume XVII Issue 01 January 2012
The management, staff, volunteers and board of directors would like to wish each of you a Happy New Year!
Make Auto Loans Simple: Get Pre-Approved
Before hitting the auto memorable one. convenient locations for
lots in search of that new Interest rates are still at details. Also, for your
car, stop by your credit record lows and we here at convenience, we offer
union first and get pre- Alcoa Tenn want to help online loan applications.
approved. you save money. Just log onto our website,
Being pre-approved puts Be sure to get quotes www.atfcu.com and
you in control of your auto from one of our loan click on the
negotiations.Our officers on Extended "Apply for a
experienced staff will work Warranties and GAP Loan" link to be
with you in an effort to Insurance. directed to our
make your auto purchase a Call or visit one of our online application.
NN
FED
ERAL CRE
DI
T Savings Bonds: from
TE
Paper to Electronic
UN
• ALCOA
The Credit Union will be
ION •
th
CLOSED
NG
AN
The U.S. Department of understands that many of
TI
NU
the Treasury's Bureau of the our members enjoy
E
L
A
E
19
M
36
20
12
Public Debt announced that purchasing paper savings
as of January 1, 2012, they bonds as gifts for their Monday,
will no longer allow children and grandchildren. January 16, 2012
Annual financial institution to sell
paper savings bonds.
In an effort to
accommodate these
Martin Luther
Meeting However, electronic
savings bonds in Series EE
members, we are working
to implement a new share
King, Jr. Day
March 22, 2012 and I will remain available certificate investment and
for purchase through product that is designed to
The 76th Annual Meeting will TreasuryDirect, a secure, meet the special savings Monday,
be held Thursday, March 22, web-based system operated needs of our members age February 20, 2012
2012, at 6:00 pm at William by Public Debt. For more 25 and younger. Presidents Day
Blount High School on 219 information, visit There will be more
County Farm Road, Maryville. www.treasurydirect.gov details to come in the near Please plan accordingly!
The Credit Union future.
TRULY VISA ATM/DEBIT CARD.
with a NO-FEE
CHECKING Free
IN TODAY'S TOPSY-TURVY & FEE-CRAZY FINANCIAL WORLD, IT'S NICE TO KNOW
THERE ARE STILL SOME LOCAL INSTITUTIONS OFFERING TRULY FREE CHECKING.
HERE ARE FOUR:
1 ALCOA TENN
Federal Credit Union
Main Office
2 ALCOA TENN
Federal Credit Union
Foothills Branch
3 ALCOA TENN
Federal Credit Union
Fairview Branch
$50.00 deposit required at account opening, Must meet membership eligibility requirements.
4 ALCOA TENN
Federal Credit Union
Tellico West, Vonore Branch
ALCOA TENN FEDERAL CREDIT UNION - A Place Where You Belong... Your Community, Your Credit Union!
Nominations for 2012 Board of Directors Announced
The Nominating financial related experience, nominations for vacancies The period for receiving
Committee of the Board of Kenneth served Everett may also be made by nominations by petition
Directors with Alcoa Tenn Hills Baptist Church as petition signed by one shall in all cases, extend at
Federal Credit Union Treasurer for 23 years. percent of the members with least 30 days from the date
present the following Kenneth would like to a minimum of 192 and a of the petition requirement
individuals for the continue serving the credit maximum of 500 signatures. and the list of the
upcoming Board of Director union as a volunteer in The election will not be nominations committee's
vacancies. helping promote the credit conducted by ballot and nominees are mailed to all
union as a "Place Where you there will be no nominations members.
TERRI L. LYON worked Belong" , A place where our from the floor when there Such nominations shall
for Alcoa Inc. from 1987 to members can be is only one nominee for be accompanied by a signed
2003 as a Training Manager comfortable in transacting each position to be filled. certificate from the nominee
and is currently employed all their financial business, A brief statement of or nominees stating that they
by Tusculum College. She and to help Alcoa Tenn be qualifications and are agreeable to
has served on the Alcoa their financial institution of biographical data in such nominations and will serve
Tenn Federal Credit Union choice. form as shall be approved if elected to office.
Board of Directors since by the Board of Directors Nomination petitions may
1996. Along with serving JOYCE A. COLLIER will be included for each be picked up at the credit
Alcoa Tenn, Terri is worked for Alcoa Inc. in nominee submitted by the union office and returned to
associated with the BBB as excess of 30 years. During Nominations Committee the attention of the
a Professional Arbitrator and this time she worked in with written notice to all Nominating Committee.
serves as a piano teacher at Sales, Construction Potline eligible members. Each Current Board members
Joy of Music School. II, and in Medical Services. nominee by petition shall are: Bruce Sipe, Chair; Bob
Moving forward, Terri Joyce has served on the submit a statement of Sowders, Vice Chair;
would like to continue to Alcoa Tenn Federal Credit qualifications and Franklin Robinson,
improve her knowledge of Union Board of Directors biographical data with Treasurer; Terry Jenkins,
asset liability management for 11 years, and the petition. Secretary; Terri Lyon; Ken
and apply her skills for the Supervisory Committee for The closing date for Jennings; Joyce Collier;
betterment of the credit 12 years. In addition, Joyce receiving nominations by Carl Guider and Larry
union. has also been involved with petitions is February 6, Renfro.
The Fantasy of Trees, The 2012.
KENNETH H. Cub Scouts and has
JENNINGS worked for volunteered and fulfilled
Alcoa Inc. for 40 years in numerous positions at
the electrical department. Inskip United Methodist
Since his retirement in 1993, Church. Joyce is interested
he has spent 15 years in seeing Alcoa Tenn
working part time at Green continue to be a successful
Meadow Golf Club. financial institution that
Kenneth has served on the members will be proud to
Alcoa Tenn Federal Credit belong to, and to see Alcoa
Union Board of Directors Tenn rank as the top
for 14 years and during this financial institution of
time he has also served on choice in Blount County.
the Building and Grounds
Committee, The Long There are currently three
Range Planning Committee, vacancies for three-year
and The Nominating terms. Pursuant to ATFCU
Committee. In other Bylaws, Article VI,
LOAN RATES
New and Used Auto First Mortgage
As low as.. FIXED RATES Work with someone you trust
2.74% (36 mos.) 15 yr.* @ 3.625% (APR 3.89)
2.74% (60 mos.) 30 yr.* @ 4.375% (APR 4.78)
Pamela Schwartz, CFP®*
...with approved credit.
* Secondary Mtg. Registered Representative
All Rates subject to change pamela.schwartz@cunamutual.com
Rates Subject To Change/
Visa Platinum Card
ADJUSTABLE RATES
1 yr. ARM 2.99% (2.97 APR)
R etirement Consulting
& Investment Services
located at: ALCOA TENN FEDERAL CREDIT UNION
3 yr. ARM 3.25% (3.04 APR)
with rates as low as 5 yr. ARM 3.40% (3.14 APR)
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage
Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way,
Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured,
8.25% 7 yr. ARM 4.20% (3.61 APR)
involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under
contract with the financial institution, through the financial services program, to make securities available to members.
*The CFP certification marks are not affiliated with CUNA Brokerage Services, Inc. © CUNA Mutual Group
FR111129-9F5A
with NO annual fee! HELOC @ 6.00% 124 North Hall Road, Alcoa, TN 37701
Office : (865) 380-6263 • Toll-Free:(800) 404-6008, ext.#263
Main Office Foothills Office Fairview Office Tellico West Office
124 North Hall Road 425 Foothills Mall Drive 2511 Highway 411 South 160 Deer Crossing
(P.O. Box 9001) Maryville, TN 37801 Maryville, TN 37801 Tellico West Business Center
Alcoa, TN 37701 (865) 977-1112 (865) 982-4392 Vonore, TN 37885
(865) 977-3118 (423) 884-6124
Lobby & Drive Thru
ALCOA TENN (865) 977-0253, fax
Toll-Free:
Lobby & Drive Thru
Mon - Thurs, Mon - Thurs, Lobby & Drive Thru
Federal Credit Union 1-800-404-6008 9:00 am - 4:30 pm 9:00 am - 4:30 pm Mon - Wed, 9 am - 4:30 pm
Fridays until 6:00 pm Fridays until 6:00 pm Thurs & Fri until 5:00 pm
Management Lobby & Drive Thru
Mon - Thurs, OnLine CCESS: 24 Hour Accessline
David Proffitt, President Telephone Account Access
Dan Mitchell, Senior VP 9:00 am - 4:30 pm Internet Account Access (865) 977-7603
Jim Fiegle, Comptroller Fridays until 6:00 pm www.atfcu.com Toll-Free: 1 (800) 404-9545
ALCOA TENN FEDERAL CREDIT UNION - A Place Where You Belong... Your Community, Your Credit Union!