isi on, Our Goal, Our Pro
O ur V mis
Is a Home Improvement
Project in Your Future?
Now that winter is over, many homeowners’ thoughts turn to home
improvement. Patios, decks, terraces, porches, and swimming pools are tops
on the list in anticipation of warmer temperatures and the opportunity to
spend more time outdoors.
Before you start calling contractors, a smart move would be to visit your credit
union ﬁrst and let us help you explore the many options for ﬁnancing your
home improvement project. If you have one deﬁnite project in mind, perhaps
a one-time, closed-end home improvement loan is the answer. You get one
amount, and you know exactly when the loan will be paid off.
If you’d like to keep your options more open and improve as you go along,
perhaps an open-ended line of credit is the better solution. With this option,
you access your funds when you want them and in the amount you want (up
to the limit established in your account). As you pay back the loan, the funds
are once again made available to you if you need them. There is no need to
By using the equity in your home to secure the loan, the interest you pay is, in
most cases, tax deductible. (Check with your tax advisor on the deductibility
of interest on home equity loans.)
Don’t let unfulﬁlled home improvement dreams dampen your summer
recreation and cut short the great times you can spend with your family and
friends. Stop by or call your credit union today, and let us help make those
dreams a reality with a home improvement loan.
See Your CU First!
Spring is in the air, and the open road beckons. If
you are headed toward the car dealer lot or scanning
the vehicle classiﬁeds in search of a spring fever cure,
make your ﬁrst stop the credit union. Whether you
are buying a new vehicle – or just new to you –
arranging your ﬁnancing ahead of time at the
credit union is the smart way to shop. So,
when you ﬁrst speak with a salesperson,
never relate that you plan to
ﬁnance the vehicle yourself. If
you do, the dealership may quote a high
sticker price to make up for its lost proﬁt on
the ﬁnancing. But with your preapproved loan
from the credit union in your back pocket, you can
concentrate on getting the right car at the right price.
Your Privacy Notice
MembersFirst Credit Union is committed to the privacy of our members. Under federal
law, we are required to provide you with a privacy notice. It describes our credit union’s
about our members. It also includes information about the parties who receive personal and our two CU Succeed
sometimes nonpublic information from us as we conduct the business of the credit union. scholarship winners: Ofﬁce Locations
We do not sell your personal information to anyone. Melesia Knight of DeKalb
If after reading this notice you still have questions, please contact us at: Cobb County
MembersFirst Credit Union and Sabrina Bridges of Georgia State WellStar Cobb Hospital
University. 3950 Austell Rd.
P.O. Box 33189
Austell, GA 30106
Decatur, GA 30033-0189
Did you know the CU insures Phone: (770) 732-3603
OR (404) 978-0080
Fax: (770) 732-7339
funds according to account
Information We Collect and Disclose About You
We collect nonpublic information about you from the following sources: number, allowing each of your WellStar Kennestone Hospital
accounts to be insured up to 675 Campbell Hill Rd.
• Information we receive from you on applications and other forms
Marietta, GA 30060
• Information about your transactions with us or others $100,000? Just another great reason to
Phone: (770) 793-7110
• Information we receive from a consumer reporting agency bring your money to the credit union! Fax: (770) 793-7960
• Information obtained when verifying the information you provide on an application
or other forms. This may be obtained from your current or past employers or from other Notice of Fee Change
ﬁnancial institutions where you conduct ﬁnancial transactions. DeKalb County
Effective Thursday, May 31, 2007,
Disclosure of Information to Parties That Provide Services to Us accounts will be classiﬁed as inactive North DeKalb Mall
In order for us to conduct the business of the credit union, we may disclose all the 2050 Lawrenceville Hwy.
information we collect, as described above, to companies that perform marketing services
after 12 months of NO DEPOSITS or Ste. C-40
on our behalf or to other ﬁnancial institutions with whom we have joint marketing WITHDRAWALS. A fee of $5.00 will Decatur, GA 30033
agreements so that we may provide competitive products and services. We may also be assessed against these accounts each Phone: (404) 978-0080
disclose nonpublic personal information about you, as permitted by law. These disclosures Fax: (404) 978-0095
typically include information to process transactions on your behalf, conduct the operations
DeKalb Medical Center
of our credit union, follow your instructions as you authorize or protect the security of our
2701 North Decatur Rd.
Decatur, GA 30033
To protect our members’ privacy, we only work with companies that agree to maintain
Phone: (404) 501-5644
strong conﬁdentiality protections and limit the use of information we provide. We do not
Fax: (404) 501-5946
permit these companies to sell to other third parties the information we provide.
Disclosure of Information About Former Members Douglas County
If you terminate your membership with MembersFirst Credit Union, we will not share
7421 Douglas Blvd., Ste. D
information we have collected about you, except as may be permitted by law.
Douglasville, GA 30135
How We Protect Your Information Phone: (770) 920-1221
We restrict access to nonpublic personal information about you to those employees Fax: (770) 577-7277
who need to know that information to provide products or services to you. We maintain
physical, electronic and procedural safeguards to guard your nonpublic personal Fulton County
South Fulton Medical Center
What Can You Do to Help Protect Your Privacy? 1170 Cleveland Ave.
The credit union is committed to protecting the privacy of members. Members can help East Point, GA 30344
by following these simple guidelines: Phone: (404) 466-1970
• Protect your account numbers, card numbers, personal identiﬁcation numbers (PINs) and Fax: (404) 466-1972
passwords. Never keep your PIN with your debit or credit card, which can provide free Annual Meeting Update
access to your accounts if your card is lost or stolen. Paulding County
• Use caution when disclosing your account numbers, social security number and other The annual meeting of the members of
personal information to other persons. If someone calls you, explains the call is on behalf of 4215 Jimmy Lee Smith Pkwy.
the credit union and asks you for your account number, you should beware. Ofﬁcial credit MembersFirst Credit Union was held on Ste. 9
union staff will have access to your information and will not need to ask for it. Tuesday, February 13 at 3:30 p.m. The new Hiram, GA 30141
• Keep your information with us current. It is important that we have current information on Phone: (770) 222-7778
volunteer board of directors for 2007 is:
how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an Fax: (770) 222-9963
account, we will attempt to contact you immediately. If your address or phone number at
home or work changes, please let us know. Chairman: Joe Van Horn Loan Express
If you have questions concerning this notice, please do not hesitate to call us at
Vice Chairman: Ricky Clemmons 24-Hour Lending Service
Treasurer: Jack Hague (800) 648-0259
(404) 978-0080. We are here to serve you.
Assistant Treasurer: Lloyd Rucker
Secretary: Jennifer Salmon Audio Response Line
We’ll be Assistant Secretary: Nancy Ward
day! Web Site
Hiram Branch Billy Reid David Ciganek MembersFirstGA.com
The Hiram branch hosted the Paulding Memorial Day – Saturday, May 26 David Makkers Donna Lewellyn
County Chamber of Commerce after hours
on Tuesday, Feb 20. Representatives from and Monday, May 28 Don Neunaber Joelle Grifﬁth
many local businesses in the area were in Independence Day Lee Underwood Nancy Lawson
attendance. – Wednesday, July 4 Willie Drain
First Forum is a newsletter published quarterly by MembersFirst Credit Union.