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third quarter AOD Federal Credit Union wants you… and your mortgage! We’re New Leaf Marketing, headquartered in even offering a reward of up to $500 when you Anniston, one of our new Sponsor Employee finance with AOD. Get the details at aodfcu.com or Groups, is your one source for quality promotional products and printed apparel. New Leaf Marketing has any location of AOD and stop paying too much for been assisting major corporations as well as individuals your mortgage! locally with their promotional needs for over seven Your reward based on 1/2 of 1% of the amount borrowed (up to a years. During this period they have never missed a maximum $500). This offer applies to Real Estate purchases and/or delivery date and pride themselves in 100% customer refinances up to a 30 year term. This offer excludes Land Loans and Home satisfaction. New Leaf Marketing is located at 1510 Equity Loans and Lines of Credit, and can not be combined with any other Hillyer Robinson Industrial Parkway. promotional offer. Promotion is valid thru 8/31/07. All loans are subject to credit approval. Rates, terms, and conditions are subject to change What Was That You Said? without notice. “Real generosity is doing something nice for someone who will never find out” -Frank Clark “Ah, summer-what power you have to make us suffer and like it” - Russell Baker "What you leave behind is not what is engraved in stone monuments, but what is woven into the lives of others." - Pericles Key Financial Data Correspondence Address (As of May 31, 2007) Please be sure to use AOD FCU’s Total Assets . . . . . . . . . . . . . . . . . . . . . . . . . $142,761,003.00 correspondence address (P.O. Box) Total Loans . . . . . . . . . . . . . . . . . . . . . . . . . . $ 82,439,630.37 when communicating by mail. The post office may not deliver mail addressed to a street address. Correspondence Address: P.O. Box 608 • Bynum, Alabama 36253 Holiday Closings Phone: (256) 237-9494 • (800) 637-0299 Fax: (256) 237-3285 Monday September 3, 2007…………………………..Labor Day 2007 Annual Credit Union Car Sale LEADERSHIP TEAM Board of Directors Chairman Clyde Wesson Vice-Chairman The Annual Credit Union Car Sale Ken Reid was held March 29th – April 1st. Christy McCullough, Teller, with DVD Calhoun County’s new car dealers winner Eddie McDowell Secretary were there with thousands of new and pre-owned vehicles. AOD was the only James Daugherty Credit Union on site that weekend with our loan officers there for immediate loan approval discussing the best options for financing. This was the 13th year that AOD Treasurer attended the annual Credit Union Car Sale and Jim Webb a record number of members participated in the event! Board Members Bobby Israel AOD gave away free beverages, koozies, Randy Wiggins license plate holders and key chains to Gordon “Doc” Williamson everyone who visited our tent. K98 WVOK and WHMA The Big 95 had live remote Supervisory Committee broadcasts on Saturday to draw out the big crowds. AOD had drawings for both a flat Chairperson screen TV and a DVD player. Faye Robertson Flat Screen TV winners Dustin, Jessica & Ethan (age 3) Kemp Vice Chairman Dan Munroe Did you know that AOD FCU Membership Pays? Secretary/Recording Officer You work hard for your money. At AOD, we get it to you faster! Everett Kelley When your direct deposit is scheduled for a Monday, the funds are available to you on Saturday. This means your money is ready for you to use sooner. Pay bills. Shop. Take the family to dinner. It’s your money and at AOD we get it to you faster. President and Chief Executive Officer Subject to receipt from the originator (e.g. payroll, Social Security, etc.). Kenneth R. Reynolds E-statements and E-alerts Chief Financial Officer Customize your account information! Jeffrey Napper Members now have the option of setting up “E-alerts” on their Internet Banking accounts. E-alerts allow members to setup Balance Chief Operations Officer Notifications, Check Cleared Notifications, and Maturity Date Notifications. The notifications are sent to members at 10:00 am Nina Gilbert each morning and are sent to the members’ email address setup for each notification. In addition, the email can be customized by the member, specific to the type of notification being sent. Chief Information Officer If you have any questions, please call a Member Service Victor Morales Representative at 256-237-9494 or 800-637-0299 for details. BOARD ELECTIONS AOD Federal Credit Also in attendance were the Union Awarded Six winners’ family members and High Scholarships to local School representatives. Two AOD Federal Credit Union Board of Director positions must be filled in 2008. A three member High School seniors The 2007 AOD Federal Credit Nominating Committee to oversee the nominating Union Scholarships have been process has been appointed. Six AOD Federal Credit Union Scholarship recipients were honored named in honor of charter members at an awards dinner in April hosted Catherine W. Bowling, Joseph Burn, If you would like to be considered for nomination to by AOD Board of Directors and and James B. Perry. These members one of the Board vacancies, an application may be Management. The winners were: joined AOD when it was organized picked up at any AOD Federal Credit Union branch or by contacting any Nominating Committee in 1950, and are from the original member. Once you have completed the application, charter group of 45. The scholarship mail it to any of the committee members listed below. recipients were also honored at each of their schools’ Awards Day ceremonies in May. Each $1,000 scholarship will be paid at the Gordon “Doc” Williamson, Chairman beginning of recipients’ freshman 445 Indian Acres year and will be issued directly to Talladega, AL 35160 the college, university, community (256) 268-0435 college or technical/vocational Pictured left to right: school of their choice. Recognizing that tuition rates Ken Reid Jillian P. Brodeur, Saks High School continue to rise at a rapid pace, 1521 Forney Street Brett L. Fleming, Pleasant Valley AOD Federal Credit Union’s newly Oxford, AL 36203 High School established scholarship fund will (256) 831-0444 assist members that plan to pursue a Chad Weston Lloyd, Trinity college degree or certification from Christian Academy a technical/vocational school. AOD Ms. Faye Cotney Federal Credit Union will award six Benjamin Joseph Crosby, White 147 Montclair Circle Plains High School scholarships to high school Oxford, AL 36203 graduating seniors annually who Meghan M. Lindsey, Oxford High School have been AOD Federal Credit (256) 831-0941 Union members for at least one Hannah Faulkner, White Plains High School (not pictured). year. “At AOD we put our Money where our Mouth is…” A lot of financial institutions claim to offer the best rates on loans, but how many of them guarantee it? At AOD we say put your money where your mouth is. We’re so sure that we can give you the best rate on your auto loan that we’ll pay you $25 if we can’t. Just show us the best rate you’ve been offered from any of our competitors, and we’ll match it, or beat it, or we’ll give you $25. OFFICIAL RATE MATCH GUARANTEE TERMS AND CONDITIONS Rate guarantee applies to verifiable new or used auto, truck, motor cycle, or recreational vehicle loan rates from other local financial institutions only. This offer is not applicable to all subsidized rate programs including but not limited to Auto Dealer Rates and Special Internet Advertised Rates. This offer is also not applicable to any "special rate" program of manufacturers' finance companies or any other rate offer that bundles the sale of the vehicle and financing together. The competitor's rate offer must be for the identical loan product and term of the AOD offer. AOD must be able to verify competitor's rate for which the member qualifies. Existing AOD loans do not qualify. AOD's Rate Match Guarantee can not be combined with any other promotional offer at AOD Federal Credit Union. All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice. Rate offered is based on credit criteria. Second Chance MEMBERSHIP Skip-A-Payment APPRECIATION Mr. Kurt Bailey has been a Enjoy the summer with AOD’s Fee Free Skip-a- member of AOD FCU for over 34 years. Mr. Bailey Payment. If you failed to take advantage of the Skip-A- was raised on a farm in Payment coupon mailed to members in June, you will Coldwater, Alabama. He have a second opportunity to skip your July or August attended school in Munford. Mr. Bailey started working at the age of 11 baling hay loan payment. Ask any AOD staff member for details for $0.25/hr. At 15, he worked as a bag boy for Food by coming by one of our four offices. You may also call Town grocery store. When he graduated from High an AOD Member Service Representative at 256-237- School, he worked for US Pipe for a few months before 9494 or 1-800-637-0299. joining the Navy in 1972. Mr. Bailey served in Vietnam for almost 13 months in the SEABEES. When he returned to Alabama after his tour of duty, he bought a dozer and backhoe to start his own company. He contracted to complete dozer work on Ft. McClellan to level the MP barracks and the PX. In 1977, Mr. Bailey started his career with the Anniston Army Depot as a forklift operator. He also drove tanks at the test track for six months. Mr. Bailey served with the Army Reserves in the 20th Special Forces Airborne Division. Even though Mr. Bailey was involved in a serious car accident on October 4, 1982, his life changed very lit- tle. After an operation to put a 12.5” steel rod in his back, he was out of rehab in less than three months and back to work. He attended college at JSU and Gadsden State at night. In 1989 he started working at Building 106 in Electronics. March 1, 2007 after 32 years, 7 months and 2 days, Mr. Bailey retired from ANAD when he broke his leg. According to Mr. Bailey, he learned the value of AOD *By skipping a payment you authorize AOD Federal Credit Union to FCU during his time spent working at ANAD. Since extend your loan due date by one month and understand that this may then, he has used AOD for four auto loans. “Handicap extend the maturity date of your loan. Interest will continue to accrue on vans are hard to find someone to finance. I just call the unpaid balance during the month you skip your payment and when Shelia Cofield or Beverly Stewart, ask for the amount I payments resume, the unpaid interest will be collected first. Members need and I’ve never been turned down.” He especially appreciates the AOD staff because they know him. must be in good standing to participate. AOD Federal Credit Union “The people here are always friendly and I consistently reserved the right to refuse any skip-a-payment request. Payments made get good service, it’s just that simple.” through Payroll Deduction or Direct Deposit transfer will be deposited into your Share Savings Account for the month skipped and will subse- He currently resides in Oxford with his wife Bonnie. quently be available for withdrawal. Mortgage loans, Credit Cards, He has three children: son, J.W. working for General Payment Shaver Loans, and loans newer than 2 months may not be eligi- Dynamics Land Systems, daughter, Danielle 33, and ble for the skip-a-payment program. Payment protection and/or GAP daughter Jessica, 28. He has three grandchildren. In insurance may not apply to the extended loan term. No more than two Mr. Bailey’s spare time he collects gold, silver and guns payments per loan may be skipped in any year. and enjoys attending gun shows.
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