FEDERAL CREDIT UNION
NEWS FOR MEMBERS OF FIRST HERITAGE FEDERAL CREDIT UNION
THIRD QUARTER, JULY 2005
A Note from With interest rates expected to
the President climb, now’s the perfect time to
Don’t miss HOT deals on the borrow the money you need for
that home remodeling project,
loans you need! new car or boat, summer vaca-
Arthur D. Field tion or other purchase. Find our
President & CEO lowest “Sizzling Summer” rates
New & Used on these popular loans!
Imagine someone using your
name, address, Social Security
2001–2005 MODELS, 36 MONTHS, AS LOW AS
New & Used Boats/
number, passwords, account Campers/Cycles
numbers or other vital infor- 2001–2005 MODELS, 36 MONTHS, AS LOW AS
mation to raid your checking
account, take out loans in your APR*
name or obtain credit cards, All-Purpose
even get a driver’s license. Signature Loans APR*
These thieves can do damage
to your financial history and
36 MONTHS, AS LOW AS Fixed-Rate
personal reputation that can Home Equity Loans
take years to repair. 60 MONTHS, AS LOW AS
In fact, the Federal Trade Com-
mission estimates it costs more
than $1,000 for an individual to
clean up the mess caused by Home Equity APR*
having their identity stolen. With
700,000 new victims every year,
Lines of Credit
6-MONTH INTRODUCTORY RATE
identity theft is one of the fastest In addition to low rates, you’ll
growing crimes in America. find plenty of options, flexible
terms, fast/local decisions and,
That’s why I wanted to take this of course, that friendly/per-
time to discuss the problem. sonal service you expect from
Because I believe, the best way APR* your Credit Union. For the hot-
for you to protect yourself is test deals of the season, apply
to have as much knowledge as today. Use the application in
*APR = Annual Percentage Rate. Certain relationships are required to receive pro- this newsletter, call loans by
possible on how these thieves motional rate. Your rate may vary from the promotional rate and will be determined
phone: 888-936-8402, option
by your credit history. Rates may differ for longer terms. Approval subject to our
operate and what you can do credit granting terms and conditions. Membership eligibility required. All rates and 3, visit www.fhfcu.org or apply
offerings subject to change or termination without notice. We do business in accor-
to stop them. continued dance with the Fair Housing Law and the Equal Opportunity Act. Member NCUA. in person at any branch.
http://www.fhfcu.org Better. Proving It.
A Note from the President
continued from front page (pronounced fishing), where thieves Heritage and other area credit unions
Skilled identity thieves obtain your use e-mails or phone calls to “fish” have teamed up to offer helpful infor-
personal information in many ways. for your information. You’ll receive an mation on what you can do to minimize
They may rummage through your e-mail or call that appears to come your risk. An ad featuring the 10 steps
trash or raid your mailbox looking for from a reputable financial institution, you can take to protect yourself is pre-
statements, credit card solicitations credit card company or some other sented in this issue of The Teller. This
or tax information. They may attempt official organization. It warns of a seri- ad is also appearing in local newspa-
to steal credit and debit card num- ous problem with your account that pers and on our Web sites. Take time to
bers from receipts, by stealing your requires immediate attention. A link familiarize yourself with its content.
wallet or purse, or through a process serves as a gateway to a fraudulent
As with any crime, you cannot com-
called skimming (capturing magnetic Web site where you are asked to pro-
pletely control whether you will become
strip data with a small hand-held vide sensitive information. These sites
a victim. But you can minimize your risk
device). They may scam information are designed to look exactly like the
by managing your personal information
by posing as your landlord, a legiti- real thing. And individuals who call
cautiously and with heightened sensitiv-
mate businessperson or government can be very convincing.
ity. If you think you have been a victim
official. Or they might even complete
It’s estimated that 2–5% of individuals of identity theft, call us immediately.
a “change of address” form to divert
contacted will provide personal infor- You can also learn more by visiting
your mail to them.
mation. And more and more of our www.idtheft.org, www.consumer.gov/
One of the most popular techniques members are reporting incidents and idtheft, or www.cuna.org/initiatives/
is an e-mail scam called “phishing” some have even fallen victim. First idtheft.html for other useful information.
Protect Yourself Against Identity Theft
Helpful Information From Your Local Credit Unions Useful Web sites
More and more news reports are revealing how criminals are busy www.idtheft.org
developing new scams to target unsuspecting individuals. The best www.consumer.gov/idtheft
way to protect yourself against fraud is to be an educated consumer. www.cuna.org/initiatives/idtheft.html
1. Secure personal information in your home, especially if 6. Ask for information regarding security procedures in
you have roommates, employ outside help or are having your workplace or at businesses, doctor’s offices or other
service work done. institutions that collect personally identifying information
2. Don’t carry your Social Security number; leave it in a
secure place. 7. Give your Social Security number only when absolutely
necessary. Ask to use other types of identifiers when
3. Guard your mail and trash from theft: Deposit outgoing
mail in post office collection boxes rather than in an
unsecured mailbox. Promptly remove mail from your 8. Pay attention to your billing cycles. Follow up with
mailbox. If you’re planning to be away from home, call creditors if your bills don’t arrive on time.
the U.S. Postal Service to request a vacation hold. Shred
9. Be wary of scams. Identity thieves may use phony offers
your charge receipts, credit applications, insurance forms,
to get you to give them your personal information. Your
physician statements, checks and bank statements, expired
financial institution will never call or e-mail to ask you
charge cards and credit offers you get in the mail.
for personal information.
4. Carry only the identification, credit and debit cards that
10. Keep your purse or wallet in a safe place at work, as
you actually need.
well as any copies you may keep of administrative forms
5. Protect your credit card, bank and phone accounts with that contain sensitive personal information.
Members donate over
$1,000 to area hospitals
Thanks to the generosity of our mem-
bers and this year’s mascot, “Jesse,”
a soft and irresistible foot-high giraffe,
we raised $1,050 for kids in area hospi-
tals. Members purchased the collectible
stuffed animal for $5 each with money
going to help make the hospital stays of First Heritage Business Development Officer,
Myron Crispino (right), presents check to
area children a little more tolerable. It’s Christine Chapman, Director of Auxiliary Services
part of the New York State Credit Union and Fund Development for Corning Hospital.
League’s annual Credit Unions Care for
Toni Grabowski, Wellsboro Branch Manager (left)
Kids community fund-raising program. presents check to Sandra Pecynski (pediatric nurse),
and Jan Fisher (President/CEO) of Soldiers and
This year, Corning Hospital, St. Joseph’s Sailors Memorial Hospital.
Hospital and Soldiers and Sailors Memo-
rial Hospital in Wellsboro each received
$350 from the effort.
We thank those members who helped make
this year’s fundraiser a success. It’s just anoth-
er example of the credit union philosophy
in action, “America’s Credit Unions—where
people are worth more than money.” Lindsay Rotsell, First Heritage Marketing Analyst
(center) presents check to St. Joseph’s Hospital
representatives (left to right) Toni Shields, Carol
Fallon, Bernadette Rugiero and Laura Frisbie.
1 After hours call 2 Apply via our 3 Complete the loan 4 Complete the loan application below and mail to First
Loans By Phone at Web site by entering application below and Heritage Federal Credit Union, 110 Village Square, Suite 101,
888-936-8402, Option 3 www.fhfcu.org fax to 607-936-3808 Painted Post, NY 14870, or take to your nearest branch office
Loan amount requested
Convenient Loan Application
Applicant Date of birth Social Security Number Phone
Address No. of years at residence
Place of employment No. of years employed Gross monthly income
Co-applicant (if any) Date of birth Social Security Number Phone
Place of employment No. of years employed Gross monthly income
Other income/source (Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.)
Mortgage/Rent payment Mortgage holder/Landlord
I/We certify everything I/we have stated in this application and on any attachments is Applicant Date
correct. You may keep this application whether or not it is approved, and I/we authorize
you to share this application with any of your affiliates, for the purpose of determining X
whether I/we might qualify for other products you or those affiliates offer. I/We authorize
you to check my/our credit and employment history and to answer questions others may Co-applicant Date
ask you about my/our credit record with you. I/We understand that I/we must update
credit information at your request if my/our financial condition changes. X
Ninth boom! Good Grade Recognition
Joshulin Sommer of Cameron, NY The boom! program features a variety
received a $50 gift certificate for earn- of products and services designed
ing excellent grades on her report card. to help students 13–19 years old learn
She is our ninth winner in this program to save money, prepare for financial
which recognizes outstanding students responsibilities beyond high school
by drawing a winning report card from and understand the basics of money
those submitted. management. To find out more, call
607-936-4667, (toll free) 800-833-3338,
or stop by any branch and ask for a boom! winner
free boom! brochure. Joshulin Sommer
First Heritage is committed to your The information that we collect Nonpublic personal information
privacy. In fact, protecting personal We collect nonpublic personal infor- and former members
information and using it in a manner mation about you from the following We do not disclose nonpublic personal
consistent with your expectations is sources: information about former members,
a high priority. As a result, we stand except as permitted by law.
• Information we receive from you on
Notice of your financial joint marketing
• Information about your transactions We may disclose the following informa-
with us tion to other financial institutions with
We, our, and us, when used in this
notice, mean First Heritage Federal • Information about your transactions whom we have joint marketing agree-
Credit Union. This is our privacy notice with nonaffiliated third parties ments:
for our members. When we use the • Nonpublic personal information we
• Information from a consumer report-
words “you” and “your,” we mean the receive from you on an application or
following types of members: other forms, such as:
The confidentiality, security, • Name
• All of our consumer members who and integrity of your nonpublic
have a continuing relationship with • Address
us, such as: We restrict access to nonpublic personal You do not have a right to opt out of
• Deposit account information about you to those employ- the disclosure of this information.
• Loan account ees who need to know that information Exceptions:
• Credit card to provide products or services to you.
• Self-directed Individual Retirement We maintain physical, electronic and • We do not share this information
Account where we act as custodian procedural safeguards that comply with about members who reside in
or trustee federal regulations to guard your non- Alabama, Alaska, Idaho, North
public personal information. Dakota, or Vermont.
We will tell you the sources for non-
Nonpublic personal information • We do not share any information
public personal information we collect
and other parties derived from deposit (share) relation-
on our members. We will tell you what
We do not disclose your nonpublic ships with us about members who
measures we take to secure that infor-
personal information to anyone, except reside in Massachusetts, Mississippi, or
mation. We first define some terms:
as permitted by law New Jersey.
Nonpublic personal information means or as disclosed Types of Businesses
information about you that we collect in this disclosure. Here are the types of businesses with
in connection with providing a financial
whom we may disclose nonpublic per-
product or service to you. Nonpublic
sonal information under this section:
personal information does not include • Financial service providers, such as:
information that is available from pub- • Insurance agents
lic sources, such as telephone directories • Financial service companies
or government records. An affiliate is
a company we own or control. A non-
affiliated third party is a company that
is not an affiliate of ours.
NYS Credit Union League Auto & homeowners
recognizes First Heritage with insurance for First
special awards Heritage members
First Heritage was recognized for its leadership in Did you know that when insuring your
youth financial education and overall marketing at the home, there are a few key items to
New York State Credit Union League’s Annual Meeting keep in mind? Insurance companies
& Convention, held recently in New York City. take external factors into consider-
ation. I am defining external factors as
We received the Desjardins Youth Financial Education other than your
Award from the New York Credit Union Foundation home. The two
for our products and educational programs aimed at biggest factors
youth, and a first-place marketing award from the New are trampolines
York State Credit Union League for effectively serving and dogs.
all segments of our membership.
Named after Alphonse Desjardins (1854–1920), who a lot of fun, and
was instrumental in forming the Canadian and U.S. great exercise.
credit union movements and in-school “banks” known However, if you
as caisses scolaires, the Desjardins Award recognizes achievement in youth have a tram-
financial literacy. First Heritage was commended for our youth programs poline in your yard, most insurance
including Looney Tunes Savings Club for kids 12 and younger and boom! companies will cancel your insurance if
Money & Stuff for students ages 13–19. The boom! program also includes they know about it. How will they find
a good grade recognition component where students have a chance to win out? Most companies will do a routine
$50 gift certificates when they submit excellent report cards to the Credit external inspection of your home every
Union. (Meet our ninth good grade recognition winner in this issue.) 3 to 5 years.
Throughout the year, we’ve also visited area high schools with in-class finan- Dogs are great
cial education presentations. To date, over 800 high school students have companions.
been exposed to valuable real-world lessons in fiscal responsibility and If your dog is
money management. considered a
The first-place marketing award was given for our comprehensive market- dangerous
ing programs aimed at serving all of you. Among the programs considered breed, most
in the award were our service packages for seniors and youth, our deep companies will
involvement (individual staff and the Credit Union as a whole) in community not insure you.
service activities, our presentations to various employee groups and our Your dog may
overall marketing communications efforts. be very sweet and harm-
less, but insurance companies have a
different perspective. Some companies
have a list of prohibited dogs that they
will not insure. Some don’t have a list;
they take into consideration each dog
individually. You should discuss this
issue with your agent. After all, you
don’t want to become emotionally
attached and then discover that you
cannot find insurance for your home.
For more information or a price quote,
contact John Fowler at (607) 936-4642
or at email@example.com.
Insurance products offered through Corning & Painted
Post Agency, Inc., a division of Swan & Sons-Morss
Online Statements now available Main Office
110 Village Square, Suite 101, Painted Post,
How would you like to reduce the clutter in your mailbox while saving NY 14870 607-936-4667 or 800-833-3338
some trees? Now you can save time and conveniently access your SMART Line: 888-936-8402
Web site: http://www.fhfcu.org
financial statements online, whenever you want, instantly. And since
you will no longer receive a paper statement, you will also be helping Lobby Hours:
Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
our environment. To take advantage of this free service, simply go to
Thurs.–Fri. ................... 8:30 a.m.–5:00 p.m.
www.fhfcu.org, log in to Internet Banking, select “Account Access,” Saturday .................... 9:00 a.m.–12:00 p.m.
then “Online Statements.” Read and agree to the disclosure, and your
future statements will then be delivered online. This feature is available Mon.–Wed.................... 8:00 a.m.–4:30 p.m.
to you round-the-clock and is just another way we help you manage Thurs.–Fri. .................... 8:00 a.m.–5:30 p.m.
your financial information. Simply. Conveniently. Securely. Saturday ..................... 9:00 a.m.–12:00 p.m.
“Millionaires for the Day” Addison
58 Main Street, Addison, NY 14801
Becca McConnell and Alecia Labar each won one-day’s interest on one 607-359-2275
million dollars for coming closest to guessing the number of pennies in jars Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
displayed in our branches. It was one of the fun activities that made up Thurs.–Fri. ................... 8:30 a.m.–5:00 p.m.
National Credit Union Youth Week last April. So how much do these lucky
members win? Well interest on $1,000,000 at today’s share savings rate is 23 West Market Street, Suite 102,
$32.87. For the record, there were 1,935 pennies ($19.35) in each jar. Corning, NY 14830 607-962-4691
Mon.–Fri. ..................... 8:30 a.m.–4:30 p.m.
Dinner & A Movie! Elmira
1100 Clemens Center Parkway,
Elmira, NY 14901 607-734-0231
We thank members who opened new accounts and completed the
Mon.–Wed.................... 9:00 a.m.–4:30 p.m.
Credit Union’s member satisfaction survey. The survey asked members to Thurs.–Fri. .................... 9:00 a.m.–5:00 p.m.
share their opinion on the service they received when they opened their
ATM—open daily 6 a.m. to midnight
account. A brief questionnaire measured speed of service, friendliness,
if services were explained properly and overall satisfaction. A monthly St. Joseph’s Hospital
drawing is held from completed questionnaires with the prize: dinner and Elmira Medical Arts Center, Suite 101,
Elmira, NY 14901 607-733-3044
a movie. Richard Walrath was our April winner. Joseph Button, May.
Mon., Wed.–Fri. ........... 8:30 a.m.–4:00 p.m.
(Paydays) ...................... 7:30 a.m.–4:00 p.m.
Tuesday ............................................. Closed
Independence Day: Saturday & Monday, July 2 & 4 — All Offices Closed 17 East Avenue, Wellsboro, PA 16901
Labor Day: Saturday & Monday, September 3 & 5 — All Offices Closed
Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
Thurs.–Fri. .................... 8:30 a.m.–5:30 p.m.
Mon.–Wed.................... 8:00 a.m.–4:30 p.m.
Our Mission Our Vision Thurs.–Fri. .................... 8:00 a.m.–5:30 p.m.
Saturday ..................... 9:00 a.m.–12:00 p.m.
“Our Family Helping Yours” Is to be the financial institution of 24-hour ATM
by effectively improving the choice by being the most trusted
financial well-being and lives Board of Directors
and respected financial leader in Robert Hunt .................................. Chairman
of our members. the communities we serve. Robert Blair ........................... Vice-Chairman
Kay Houghtaling............................ Secretary
Sal Princiotto ..................................Treasurer
Mary Ann Thomas
Jennifer Togni ........................... Chairperson
Sharon Abbott ................................Secretary
First Heritage Federal Credit Union, 110 Village Square, Suite 101, Painted Post, NY 14870 Phone 607-936-4667 or 800-833-3338