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                                                                                                                                                            NEWS FROM WESTAR FEDERAL CREDIT UNION
                                                                                                                                                                                     SUMMER 2011


                  48th Annual Meeting of Members Review
                                                                                                   You Deserve The Star Treatment!
CALL WESTAR       Thanks to everyone who attended the 48th Annual Meeting on May 26, 2011.
                  Close to 50 members turned out and everyone enjoyed the refreshments and
FOR PERSONAL      door prizes. James Ridgeway and Kevin Ridgeway, members of the Westar                                                                           IN THIS ISSUE

                  FCU Board of Directors were each re-elected for three year terms.

                  NEW BOARD OF DIRECTORS                       TERM EXPIRES
                                                                                                   AUTO LOAN                                                      • Karen’s Corner
                                                                                                                                                                  • Auto Loan Sale
                                                                                                                                                                  • Group Benefits
                                                                                                                                                                  • E-Statements

                    • Mel Taber (Chairperson)                    • 2013                                                                                           • Six Money Tips For New Grads
                    • Tammy Trippany (Vice-Chairperson)          • 2013
(315)672-7827       • Boberetta Albrigo (Secretary)              • 2012
                                                                                                                                                                  • No Fee VISA Balance Transfer
                                                                                                                                                                  • In Memoriam
                    • James Ridgeway (Security Officer)          • 2014                                                                                           • 48th Annual Meeting of
                    • Virginia Jacob (Treasurer)                 • 2012                            NEW • USED • REFINANCE — 2006 AND NEWER                          Members Review
                    • Kevin Ridgeway                             • 2014

                    • Sean Johnson                               • 2012

                                                                                                                                      %                           KAREN'S CORNER
                                                                  for Labor Day
                                                                  Monday, September 5    Closed:
                                                                                                                                      APR                         Have you had a chance to tackle that
                                                                                                                                                                  summer honey-do list yet? Perhaps
                                                                                                                                                                  you want to put on a new deck or
                                                                                                   FOR 36 MONTHS
                                                                  for Independence Day
                                                                  Monday, July 4         Closed:                                                                  update your kitchen. Which ever the
                                                                 SUMMER HOLIDAY HOURS
                                                                                                   Estimated payment is                                           case may be, Westar members
                                                                                                   $29.10 per $1,000 borrowed                                     always get great rates on loans for
                                                                                                                                                                  those summer projects. Please stop
                                                                  Monday — Friday: 9 am — 5 pm
                                                                              OFFICE HOURS
                                                                                                                                                                  in or give us a call, we will get you
                                                                                                   • AUTOMOBILES                                                  going in no time.
                                                                          SALE                     • MOTORCYCLES
                                                                                                   • RV’S
                                                                                                                                                                  As always, don’t forget to remind
                                                                          LOAN                                                                                    your family, friends and coworkers

                                                                                                                            3.49                          %
                                                                                                   • CAMPERS                                                      about all the benefits that Westar has
                                                                          AUTO                     • ATV                                                          to offer.
                                                                                 S!                • SNOWMOBILES
                                                                             RATE T                                                                               Have a great summer!
                                                                                                   • BOATS
                                                                             GREA                  • JET SKI’S                                            APR     Sincerely,
                                                                                                   • TRAVEL TRAILERS
                                                                                                                            FOR 60 MONTHS
                                                                                                                            Estimated payment is
                                                                         Camillus, NY 13031
                                                                         P.O. Box 60
                                                                         2565 Hambletonian Way                              $18.20 per $1,000 borrowed.
                                                                                                                                                                  Karen Grabowski

                                                                                                   PHONE: 315-672-7827 • FAX: 315-672-9282                            
Group Benefits                                                                                                                     Six Money Tips For New Grads
                                                                                 Our partnership entitles your                                                                       Some experts propose state                            REMEMBER THERE ARE
                                                                                 group to take advantage of                                                                          legislation requiring students to take a              CONSEQUENCES FOR
                                                                                 the following:                                                                                      personal finance course by the time                   OVERDRAWING AN ACCOUNT.
                                                                                                                                                                                     they graduate from high school. Until                  – Remember, credit cards are
                                                                                 • FREE Checking                                                                                     then, it’s parents’ responsibility to                    convenient but risky. Credit means
                                                                                 • FREE Online Banking and Bill                                                                      teach their kids financial basics and                    you’re borrowing money to repay
                                                                                   Payment Service                                                                                   help them make the right choices.                        from future income. Credit is a
                                                                                 • Over 43,000 Surcharge-Free ATMS                                                                                                                            cost, and making the minimum
                                                                                   worldwide                                                                                         THESE ARE KEY MONEY SKILLS                               payments will cost you even
                                                                                 • Excellent rates on Auto, RV, Visa,                                                                YOUNG GRADS NEED TO KNOW:                                more. Credit cards are accepted
                                                                                   Personal, and Home Equity Loans                                                                   • Track spending. Write down                             universally and are good to have
                                                                                 • Competitive rates on Savings, Share                                                                 everything you buy for a month                         in emergencies. They also help
                                                                                   Certificates, IRAs, and Club                                                                        to see where and how much                              establish credit history, so make
                                                                                   accounts                                                                                            you’re spending.                                       sure to set personal limits and
                                                                                 • Discount tickets for area attractions                                                             • Budget. Look at your income and                        stick to them.
                                                                                   and theme parks                                                                                     spending habits. Allocate for weekly                 – Develop good consumer skills
                                                                                                                                                                                       needs, wants, and impulses within                      to make money go further. Buy
                                                                                 Join Today!                                       As the American economy waivers,                    your budget. Surprises happen, so                      necessities wisely and practice
                                                                                                                                   it’s increasingly important for                     let yourself break the budget. Just                    comparison shopping by
                                                                                 If your group or business is interested
                                                                                                                                   students to be financially savvy.                   remember to make up for it in the                      looking online.
Looking to offer a great benefit to   FCU offers the best products and           in offering Westar FCU membership
                                                                                                                                   The majority of high-school and                     coming weeks.                                        – Don’t be afraid to ask for help.
your business or organization with    services you can find in one               as a benefit, please contact
                                                                                                                                   college graduates, however, are                   • Use your checking account to                           Mom and Dad, your R.A. (resident
NO COST to your group? You can        complete package.                          Ryan Cavalier, Business Development
                                                                                                                                   ill-prepared to handle the basics                   help budget and track income                           advisor), or even a friend can help
reward your employees or members,                                                Representative, at 315-672-7827,
                                                                                                                                   of financial management. From                       and spending. You need to know                         you sort through your bills and get
and their immediate family members     We are here to assist your employees      or by email
                                                                                                                                   credit cards and loans to simple                    how to write a check, how to keep a                    on the right track.
with this valuable benefit. Westar    or members as they strive to reach
                                                                                                                                   budgets, young consumers are                        check register, and when to balance
                                      their financial goals.
                                                                                                                                   often puzzled, even educated ones.                  your account.

E–Statements                                                                                                                       Westar Visa                                                                                             In Memoriam
                                                                                                                                                                                                                                                             We are deeply
Save Your Identity with               Even though identity thieves are           they need to commit ID theft, but also            Westar Federal Credit Union always                HOW TO TAKE ADVANTAGE:                                                  saddened that on
E-Statements. Reduce your             finding new ways to steal information      helps detect the crime sooner. This is            strives to help you save money and                Complete and return a Visa Balance                                      June 26, 2011,
chances of being a victim             over the Internet, the original theft—     because consumers who bank online                 there is no better time than now to               Transfer Promotion Request Form                                         James Ridgeway
of mail fraud—receive your            for example, taking out a credit card in   check their accounts much more                    take advantage of our 8.90% APR                   along with the most recent account                                      passed away at
statement electronically.             your name—tends to be a low-tech           frequently—nearly four times a month              Visa Credit Card. Here is an even                 statements that you wish to transfer.                                   home. Jim was
                                      crime. According to the Federal Trade      compared with once a month for                    better deal that will be hard to pass                                                                                     retired from the W.
                                                       Commission, about         those who receive statements by mail.             up; from July 22, 2011 though                                          To apply for a Westar                              Genesee School
                                                       half the country’s                                                          October 22, 2011,                                                       Visa Credit Card or             District where he was a teacher for 42
                                                       victims know how          Receive your statement electronically             you can take                                                             increase your credit           years. Jim was a dedicated, long-time
                                                       their information was     and enjoy safety, timeliness, and                 advantage of our                                                          line, apply online at         member of Westar FCU and served
                                                       swiped, and in many       convenience. For more information                 Visa Balance                                                                 on the Westar FCU Board of Directors
                                                       cases the breach was      about e-statements, or to sign up to              Transfer Promotion                                                          or call at                  since 1998, most recently as Security
                                                       paper—bills, credit       receive them, call 315-672-7827 or                at a low rate of                                                             315-672-7827.              Officer. We extend our deepest and
                                                       card solicitations,       visit                          5.90% APR.                                                                                              most sincere condolences to his wife,
                                                       and financial                                                                                                                                       Start your                      Angel, son, Kevin (Jennifer), daughter,
                                                       statements—pilfered                                                         HERE IS THE DEAL:                                                 summer off right by                   Karen, and grandson, Jared.

                                                                                                                                   5.90% APR
                                                       from garbage cans         Copyright 2008 Credit Union National
                                                                                                                                                                                         saving money with one credit card
                                                       and mailboxes.            Association Inc. Information subject to change                                                      at a great low rate. Don’t hesitate to                Memorial contributions may be made
                                                                                 without notice. For use with members of a         Balance Transfer Rate*                            call us if you have any questions, we                 to the Oswego County Humane
                                                                                 single credit union. All other rights reserved.
                                                       Banking and paying                                                          No balance transfer fee                           are here to help!                                     Society, 265 West First Street,
                                                       bills online not only                                                                                                                                                               Oswego, NY 13126 or to the
                                                                                                                                   Balance transfer rate is good for 12 months,      *Balance transfer rate does not apply to your
                                                       cuts off thieves’                                                           then reverts back to 8.90% APR.                   previous balance or new purchases. Payments are       Oswego County Animal
                                                       access to the papers                                                        Balance transfer rate only applies to transfers   applied to the balance with the highest rate first.   Welfare League (S.P.C.A.),
                                                                                                                                   from other institutions.                                                                                P.O. Box 442, Fulton, NY 13069.

 PHONE: 315-672-7827 • FAX: 315-672-9282                                                                 PHONE: 315-672-7827 • FAX: 315-672-9282                                                                    

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