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					                                                          GROUND BREAKING
                                                          For Highlands Branch

Newsletter for Members • March 31, 2012


 News Briefs
SHRED DAYS ARE BACK
Great News! ECU will once again host shred days
for our members. Our first stop is the Meadowview
branch on Friday, April 20, from 1:00 p.m. – 5:00 p.m.
Take advantage of this wonderful opportunity if you
need to free up space, eliminate theft and security
risks or get rid of old, outdated and useless files.           Pictured are Distinguished Community Leaders, ECU Staff and Board Members
Register to win prizes and learn more about how
ECU Online® and Online Statements can help keep          Eastman Credit Union conducted a ceremonial ground breaking on Tuesday,
you safe! Visit www.ecu.org to learn more!               February 28th at the site where a new branch will be constructed near the
                                                         Exit 7, Highlands Shopping Center in Bristol, Virginia.
UPCOMING SHRED EVENTS
  Bristol, TN branch                May 11               During the ceremony, city and county officials, along with ECU staff, turned
  Mt. Carmel branch                 June 15              soil to officially mark the start of construction on the new facility.
  Jonesborough branch               June 29
  Gray branch                       July 13              The Highlands branch will be located just off Lee Highway in the Highlands
  Marketplace Blvd, in JC           August 10            Center. The Highlands branch is scheduled to open in the fall of 2012.
  Colonial Heights branch           August 24

                                                         TN Senator Corker
  Gate City branch                  September 21
  Wilcox branch                     October 19

ECU ATMs NOW OPEN
Greeneville Food City
                                                         Supports Credit Unions
905 Snapps Ferry Road, Greeneville, TN                                                    U.S. Senator Bob Corker supports the
Indian Path Medical Center (inside near gift shop)                                        mission of credit unions and he understands
2000 Brookside Drive, Kingsport, TN                                                       the important role that credit unions play
                                                                                          in the financial services sector.  He is aware
ECU ATMs COMING SOON                                                                      that credit unions have provided crucial
Church Hill Food City
                                                                                          services to their members during this time
731 Highway 11-W
                                                                                          of economic uncertainty.  Senator Corker
Church Hill, TN
                                                                                          states,  “I will continue to support current
Elizabethton Food City                                                                    federal law that allows credit unions to
920 Broad Street,                                                                         retain their tax-exempt status.” 
Elizabethton, TN
                                                                                          Our thanks to Senator Corker for protecting
Johnson City Mall                                                                         the interests of credit union members.
2011 North Roan Street,
Johnson City, TN

 Member Service Tip:When applying for a debt
 consolidation loan, please bring two months current pay
 stubs for income verification, a copy of each bill with
 account numbers and mailing addresses as well as a 10-
 15 day payoff on each debt to be included in the loan.
ECU Beyond Free Checking for Businesses
Does your business or organization need a checking account with all the features
but none of the fees? ECU’s Beyond Free Business Checking could be the
account for you!

     Interest earned on all balances
     No monthly service charge with 600 or less global
     items (.20 per item over 600)
     Free duplicate wallet style business stock checks
     Two free zipper bags
     Free Visa® Business Check Card
     Free Business Bill Pay
     Free Online Deposit services
For information on additional products and services for your business or
organization, visit www.ecu.org.



Spring into Fun                                                  Prepare for Your Happy
with an ECU RV Loan                                              Future Today!
Whatever your idea of outdoor fun, ECU can get you there!        Preparing for college is a busy and exciting time, but don’t
                                                                 forget to arrange financing for your education! Avoid the
    Great rates                                                  stress of the last minute rush - apply for your ECU student
                                                                 loan as soon as you can provide official documentation of
    Affordable payments                                          tuition expense from your college or university of choice.

    Easy process                                                      You don’t want to miss out on
                                                                      these benefits:
    No application fees
                                                                      Great, fixed rates
    No pre-payment penalties
                                                                      No fees
    Extended terms
                                                                      No annual renewal
    Up to 100% financing
                                                                      Quick approval
    24/7 application online or via phone
                                                                      Consolidate existing loans
    Electronic signature technology
    provides anytime, anywhere access                                 Interest-only payments until
    from any smart mobile device.                                     graduation
                                                                      No lengthy forms
Apply today!
                                                                 Expenses covered include: tuition, books, room/board,
                                                                 fees and other required expenses.
                                                                 Your happy future is also ours – let us help you reach your
                                                                 goals! Apply today!
ECU…How Convenient!
Today’s world is a busy place and convenience is more important than it’s ever been. That’s why ECU offers so
many products and services that help make your life a little easier.
        60+ ECU ATMs and over 43,000 Allpoint ATMs
        Over 20 conveniently located branches
        ECU Online® – Electronic access to all your ECU accounts
        via www.ecu.org. You can view balances and account
        activity, transfer funds, make loan payments, pay bills,
        view your statements and much more!
        ECU on the Go – Access to ECU Online® via any Web-
        enabled cell phone or PDA by visiting mobile.ecu.org.
        Text Message Banking – Check account balances, transfer
        money and view account activity by text message via your
        cell phone.
        FinanceWorks – Manage your accounts and analyze
        spending behavior across multiple financial institutions all in one place.
        Online Deposits – Make deposits from your home or office using your scanner
        Electronic Signature – Complete loan document with anywhere, anytime access from any smart
        mobile device (iPhone, Android, Blackberry, etc.)
        ECU Mobile Apps – An ECU mobile app is available for iPhone, iPad, and android devices.
Not only are all these products and services convenient, but they are all FREE and SECURE.

Simplify your life with ECU today!


SHARE THE BENEFITS OF ECU MEMBERSHIP
Tell your family and friends about ECU.
They deserve to know they can join and take advantage
of the many benefits of membership!
For more information visit www.ecu.org, call 800.999.2328
or stop by any branch today!



                                                         Change is Easy
                                                         with an ECU Home Equity Loan
                                                         Thinking about adding a new tile backsplash to give your old
                                                         kitchen a bright modern appearance? Dreaming of changing
                                                         your bathroom into a spa-like sanctuary? Change is easy with
                                                         an ECU Home Equity loan. Enjoy a great low rate on a fixed rate
                                                         term with minimal closing costs. Make your home improvement
                                                         project easy. Start with an ECU Home Equity loan!

                                                         Call 578.7398 or 800.999.2328
                                                         to schedule an appointment or simply visit
                                                         www.ecu.org to apply today.
Protecting Yourself Online with a Strong Password
As technology enhancements continue to evolve, risks also present themselves amid the conveniences offered. Strong
passwords are the key to staying safe online. Weak passwords allow hackers to gain access to your personal information
quickly and this could create weeks, months and possibly years of headaches for you.
Here are some tips for creating, changing and maintaining a strong password:
             Create a password that is at least eight characters in length
             Use a combination of upper and lower case letters, numbers and
             punctuation/special characters such as &$#
             Use a different password for sites that contain financial information
             than those of less importance
             Do not use the names of friends, family or pets
             Do not use dates
             Use syllables or acronyms - for example, you could use the first letters
             of a familiar phrase – I like to play golf on Sunday! Becomes Il2pgoS!
             Never share your password with anyone
             Change your password at least every 90 days
             Keep your password safe – do not write
             it down or let your computer save
             your password
             To change your ECU Online password,
             simply log into your account
             and click on “User Options” and then
             “Change Password” – It’s that easy!

                                Spring is just around the corner! Is
                                your boat, jet ski or motorcycle properly
                                insured? Let ETW review your current
                                policy to ensure you are adequately
                                protected in the event of a loss. Not only
                                can they review your coverage, but they
  may find ways to save you money on your insurance premium!
  For ECU member’s convenience, ETW agents are available on the
  second floor of ECU’s Wilcox Drive location. For a complimentary,
  no-obligation insurance quote or consultation with a licensed ETW
  agent, call 423.578.7373 or 800.999.2328, ext.7373.
  Edwards, Tipton, Witt Agency (ETW) is an independent agency offering automobile and homeowners insurance
  through a marketing agreement with ECU Financial Services, Inc. ETW agents are licensed in Tennessee, Virginia
  and North Carolina. Insurance products are not bank deposits, are not insured by NCUA or any government and are
  not obligations of, or guaranteed by, any financial institution. Acceptance of insurance products through Edwards,
  Tipton, Witt will not affect or influence a member’s loan decision, rate or terms with Eastman Credit Union.




                                                                                                 For more details about ECU’s products and services,
                                                                                               visit www.ecu.org, or call 229.8200 or 800.999.2328.
                                                                                                                    The Eastman Credit Union logo, ECU Online, ECU, Equity Express,
                                                                                                                 It’s Your Money and Lifeline are registered service marks of Eastman
                                                                                                                  Credit Union. Information in this newsletter is accurate as of date of
                                                                                                                           printing and is subject to change at any time without notice.

				
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