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
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”
“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."
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
Board of Directors
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
attended the annual Credit Union Car Sale and
a record number of members participated in the
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
Did you know that AOD FCU
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!
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
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
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
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.