Scratch Scratch First Heritage Federal Credit Union by jolinmilioncherie


									                                               News	for	Members	of	First	Heritage	Federal	Credit	Union	|	Third	Quarter,	July	2007

   •	Check	authorization	by	phone
   •	Electronic	banking	services

   •	Contest	&	award	winners

   •	Privacy	policy


It’s a good time                                          Scratch & Match Loan Extravaganza
to borrow from

                                                                     cratch                                           cratch
your Credit
                                                                    S                                                S
                                                                   ave!                                                      Go!
It’s healthy for the

                                                                 &S                                                   &
economy when people
come together to ensure
they have access to good deals on
quality products, without obligation
to	profit-driven	shareholders.	This	                             Up to a full 1%                                Special bonus when you
cooperative spirit is why credit unions
exist. And credit unions, in turn,
                                                               off your next loan.                              close on your new loan.
influence our banker friends to keep
their	pricing	in	line.	So,	thanks	to	credit	
unions, everyone benefits.
                                                     2 ways to win WITH EVERY CARD!
As we move into the good weather                    Win with a great rate!
months when people typically need money             Scratch	and	match	three	in	any	row,	column,	or	
for those summertime projects like home             diagonally and get at least a quarter percent—
improvements, a new car or boat, or that            and	up	to	a	full	one-percent—interest	rate	
family vacation, see for yourself what Credit       reduction off our already low loan rates!
Union value is all about!
                                                    Win again when you close on
We currently have two outstanding loan
offers that can save you money. For                 a loan of $5,000 or more!
example,	you	can	earn	up	to	a	full	one-             Scratch	the	bonus	box	and	win	what’s	
percent discount on our already low loan            revealed	there,	including	a	two-night	
rates	with	our	“Scratch	&	Match	Loan	               vacation	to	any	of	26	fabulous	spots	
Extravaganza” promotion, detailed in                around	the	U.S.
this	newsletter.	Or	earn	rate	discounts,	
up	to	one-percent,	when	you	sign-up	for	            Get your card right now at
or maintain certain other popular First             any First Heritage branch!
Heritage	services.	Depending	on	which	              Or	call	607-936-4667	or	
program works best for you, we’ll help you          (toll-free)	800-833-3338	
get the very best rate on your next loan.           for information.
So	if	it’s	your	time	to	borrow,	give	us	a	          Limit	one	card	per	loan.	New	money	only.	Does	not	
                                                    apply to home equity line of credit loans, lines of
call. When you borrow from your Credit              credit, mortgages or credit cards. Approval subject
                                                    to	our	credit	granting	terms	and	conditions.	Only	
Union, you help us remain strong. In                closed	loans	of	$5,000	or	more	will	receive	vacation.	
                                                    A loan with joint borrowers will receive only one
return, your support helps us continue              vacation.	Transportation	not	included.	Vacations	
                                                    expire	one	year	from	issue	date.	$24	reservation	pro-
to offer the best financial products and            cessing	fee	is	required.	Some	restrictions	may	apply.	
services at the best price. It’s the people         All rates and offerings subject to change or termination
                                                    without notice. May not be combined with any other
helping people philosophy in action!                offer, promotion or discount. FHFCU employees are
                                                    not eligible. Member eligibility required. We do business
                                                    in	accordance	with	the	Fair	Housing	Law	and	the	Equal	
Arthur D. Field, President & C.E.O.                 Opportunity	Act.	Federally	insured	by	NCUA.
 NewsBriefs                                 AwardWinners

                                          First Heritage awards college scholarship
                                          Amber VanDusen	was	awarded	a	$250	scholarship	from	First	
                                          Heritage	to	help	finance	her	first	year	of	college	next	fall.	She	
                                          was chosen based on her outstanding academic performance,
                                          extracurricular and community activities and a written essay.
                                          “Amber demonstrates the qualities credit unions strive to
                                          promote including hard work, dedication to the community
                                          and a commitment to excellence,”	said	Lindsay	Rotsell,	
                                          Marketing Analyst for the Credit Union. “It proves the ‘people
                                          helping people’ philosophy of the credit union movement
                                          is alive and well in our younger members. We are proud to
Check authorization                       present this award.”
by phone                                  The scholarship program is part of a statewide effort
                                                                                                                                                 Toni Grabowski, Wellsboro
                                                                                                                                                 Branch Manager (at right),
                                          coordinated	through	the	New	York	State	                                                                presents scholarship award
As an added convenience, you can                                                                                                                 to Amber VanDusen.
                                          Credit	Union	League.
authorize payment by check right
over the telephone. However, to do

                                          On the gO?
so, you must provide the payee with
both the correct routing number and
your	full	14-digit	account	number.	You	
can find these numbers by looking at      First Heritage offers you
the bottom of your checks. The first      a	full	range	of	fast	&	
nine digits are the Credit Union’s ABA    easy electronic banking
routing	number	(222381882).	The	          services!
next	14	digits,	beginning	with	1507	
represent your complete checking          24/7 Loan
account number. The last digit is a       Applications—
randomly calculated “check digit”         You can apply for your
that provides extra security for your     next First Heritage loan
account.                                  around the clock by
                                          calling	936-8402,	or	
So	remember,	you	need	to	provide	         1-888-936-8402,	option	
both	the	routing	number	and	14-digit	     3,	or	logging	on	to	
checking account number (including and
check	digit)	to	ensure	a	check	authori-   clicking	Instant	Loan.
zation by phone clears automatically.
                                          SMART LineSM Phone Banking—Check balances, account status, transfer funds, make
Also, make sure to inform the payee       withdrawals	and	more	by	phone	24/7.
to use a check number other than
9000–9200.	These	numbers	are	             First Line Internet Banking with FREE Bill Pay*—Make sure your money is where
reserved for internal use by the          it’s supposed to be, when it’s supposed to be there with online banking from
Credit Union.                             First Heritage. Conduct a wide variety of banking transactions, even pay your
                                          monthly bills electronically.
                                          Direct Deposit—Have your paycheck automatically deposited to First Heritage
                                          and avoid teller lines, plus benefit from authorized distributions into one or more
                                          accounts,	waived	fees	on	certain	other	accounts,	free	Visa	Check	Card	and	more.
                                          CO-OP Network ATMs—Access	your	money	surcharge-free	at	any	of	25,000	ATMs	
                                          in	the	United	States	and	Canada.	Find	available	sites	using	the	“ATM	Locator”	at	
                                	Or	call	1-888-SITECOOP.
                                          These convenient electronic services are our way of helping you better manage your
                                          hectic lifestyle by being able to bank when and where it’s most convenient for you!
                                          *Service	may	be	cancelled	if	there	is	no	usage	for	three	months.	Internet	and	telephone	charges	may	apply.	Member	is	responsible	for	any	
                                          account-related	charges.

                                               HOLIDAY CLOSINGS
                                               Independence Day:	Wednesday,	July	4	—	All	offices	closed
                                               Labor Day:	Saturday	&	Monday,	September	1	&	3	—	All	offices	closed
to all who participated in
                                                                                                                                Announcing our 17th
Youth Week
                                                                                                                                boom! Good Grade
The Credit Union thanks all of our                                                                                              Recognition winner
youth members who participated in
our National Credit Union Youth Week                                                                                            Adrianna Ruggiero of Elmira
activities back in April. We hosted a                           MoreWinners                                                     received	a	$50	gift	card	for	
coloring contest and conducted tours                                                                                            earning excellent grades on her
during which snacks and financial                            New winners of dinner                                              report	card.	Adrianna	is	our	17th
educational materials, such as activity                                                                                         winner in this program, which
books, college savings handbooks and
                                                             & a movie!                                                         recognizes outstanding students
more, were available.                                                                                                           by drawing a winning report
                                                             We thank members who opened new
                                                                                                                                card from those submitted.
                      Garrett Dupree,                        accounts and completed the Credit
                      Aiden Roth,                            Union’s member satisfaction survey.                                To find out more about boom!
                      Ella Brill, Jordon                     The survey asks members to share their                             Money & Stuff	and	our	Good	
                      Povoski, Jacob                         opinion on the service they received                               Grade	Recognition	program,	
                      Sullivan and                           when they opened their account.                                    call	607-936-4667,	(toll	free)	
                      Cambria Heffner                        A drawing is held from completed                                   800-833-3338,	or	stop	by	any	
                      each won a treasure                    questionnaires with the prize: dinner                              branch and ask for a
                      chest full of prizes                   and a movie. March’s winner was Judy                               free brochure.
                      for coming closet to                   Crippen of Ulysses, April’s was Jean
guessing the number of pieces of candy                       Burhans of Wellsboro and Herschel
in jars displayed in our branches.                           Rhode of Elmira was May’s winner.

  Four easy ways to apply for your next loan. In just about every issue of The Teller newsletter,
  we include a simple loan application to make it easy for you to apply for your next First Heritage loan. It takes just minutes
  to complete and you can fax or mail it to the Credit Union. For your convenience, you can also apply by phone or online.

  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	                 website by entering             application below and              Heritage	Federal	Credit	Union,	110	Village	Square,	Suite	101,	
  888-936-8402,	Option	3                      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	 Co-applicant	                                                           Date
      others	 may	 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
Privacy Policy

First Heritage is committed to your privacy. In      THE CONFIDENTIALITY, SECURITY, AND
fact, protecting personal information and using      INTEGRITY OF YOUR INFORMATION
it in a manner consistent with your expectations     We restrict access to information about you
is a high priority. As a result, we stand behind     to those employees who need to know that           Main Office
the following privacy policy:                        information to provide products or services        110 Village Square, Suite 101, Painted Post,
                                                                                                        NY 14870 607-936-4667 or 800-833-3338
NOTICE OF YOUR FINANCIAL PRIVACY                     to you. We maintain physical, electronic
                                                                                                        SMART Line: 888-936-8402
RIGHTS                                               and procedural safeguards to protect this
We, our, and us, when used in this notice,           information.
mean First Heritage Federal Credit Union.            YOUR INFORMATION AND OTHER PARTIES                 Lobby Hours:
                                                                                                        Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
This is our privacy notice for our members.          We will not disclose information about you to      Thurs.–Fri. ................... 8:30 a.m.–5:00 p.m.
When we use the words “you” and “your” we            anyone except as disclosed in this policy or       Saturday .................... 9:00 a.m.–12:00 p.m.
mean the following types of members:                 as permitted by law. Examples of this might
                                                     include disclosures necessary to service your      Drive-Up Hours:
•	 Our	consumer	members	who	have	a	
                                                     account or prevent unauthorized transactions.      Mon.–Wed. ................. 8:00 a.m.–4:30 p.m.
   continuing relationship by purchasing or
                                                                                                        Thurs.–Fri. .................... 8:00 a.m.–5:30 p.m.
   holding financial products or services such       INFORMATION ABOUT FORMER MEMBERS                   Saturday ..................... 9:00 a.m.–12:00 p.m.
   as a(n):                                          We do not disclose information about former
•	 Share	account                                                                                        24-hour ATM
                                                     members, except as permitted by law.
•	 Loan	account
                                                     AUTHORIZED SHARING – JOINT                         Branch Locations
•	 Credit	card	account                                                                                  Addison
•	 Self-directed	Individual	Retirement	Account                                                          58 Main Street, Addison, NY 14801
                                                     We may disclose the following information to
We will tell you the sources of the information                                                         607-359-2275
                                                     other financial institutions with whom we have
we collect about you. We will tell you what
                                                     joint marketing agreements:                        Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
measures we take to secure that information.                                                            Thurs.–Fri. ................... 8:30 a.m.–5:00 p.m.
                                                     •	 Information	you	give	us	on	an	application	or	
We first define some terms:
                                                        other forms, such as:                           Corning
Nonpublic personal information means                                                                    23 West Market Street, Suite 102,
                                                     •	 Name
information about you that we collect in                                                                Corning, NY 14830 607-962-4691
connection with providing a financial product or     •	 Address
service to you. Nonpublic personal information       We disclose the information listed above with      Mon.–Fri. ..................... 8:30 a.m.–4:30 p.m.
does not include information that is available       other financial institutions with whom we have     Elmira
from public sources, such as telephone               joint marketing agreements. You do not have        1100 Clemens Center Parkway,
directories or government records. Hereafter,        a right to opt out of the disclosure of this       Elmira, NY 14901 607-734-0231
we will use the term “information” to mean           information.
                                                                                                        Mon.–Wed. ................. 9:00 a.m.–4:30 p.m.
nonpublic personal information as defined in         State limitations                                  Thurs.–Fri. .................... 9:00 a.m.–5:45 p.m.
this section.                                        AL,	AK,	CA,	ID,	and	VT	–	We	will	not	share	
An affiliate is a company we own or control.                                                            ATM — open daily 6 a.m. to midnight
                                                     this information about members who reside in
A nonaffiliated third party is a person we do        Alabama,	Alaska,	California,	Idaho	or	Vermont.     St. Joseph’s Hospital
not employ or a company that is not an affiliate     MA,	MS	and	NJ	–	We	will	not	share	any	             Elmira Medical Arts Center, Suite 101,
of ours. This is also known as nonaffiliated third   information derived from share relationships       Elmira, NY 14901 607-733-3044
party, or simply, an “other party.”                  with us about members who reside in                Mon., Wed.–Fri. ........... 8:30 a.m.–4:00 p.m.
THE INFORMATION THAT WE COLLECT                      Massachusetts,	Mississippi	or	New	Jersey.          (Paydays) ...................... 7:30 a.m.–4:00 p.m.
We collect information about you from the            Types of Businesses                                Tuesday ............................................. Closed
following sources:                                   We may disclose information pursuant to joint      Wellsboro
•	 Information	you	give	us	on	applications	or	       marketing agreements to the following types of     17 East Avenue, Wellsboro, PA 16901
   other forms                                       businesses:                                        570-724-5331
•	 Information	about	your	transactions	with	us       •	 Financial	service	providers,	such	as:           Lobby Hours:
•	 Information	about	your	transactions	with	         •	 Insurance	agents                                Mon.–Wed. ................. 8:30 a.m.–4:30 p.m.
   other parties                                                                                        Thurs.–Fri. .................... 8:30 a.m.–5:30 p.m.
                                                     •	 Financial	service	companies
•	 Information	from	a	consumer	reporting	
   agency                                                                                               Drive-Up Hours:
                                                                                                        Mon.–Wed. ................. 8:00 a.m.–4:30 p.m.
                                                                                                        Thurs.–Fri. .................... 8:00 a.m.–5:30 p.m.
                                                                                                        Saturday ..................... 9:00 a.m.–12:00 p.m.
                                                                                                        24-hour ATM

                                                                                                        Board of Directors
                                                                                                        Robert Hunt................................... Chairman
                                                                                                        Robert Blair ........................... Vice-Chairman
   Our Mission “Our Family                                                                              Kay Houghtaling .......................... Secretary
   Helping Yours” by effectively                                                                        Sal Princiotto ..................................Treasurer
                                                                                                        William Elias
   improving the financial well-being                                                                   George McNally
   and lives of our members.                                                                            Jeff Methven
                                                                                                        Richard Quigley
   Our Vision Is to be the                                                                              Mary Ann Thomas
   financial institution of choice                                                                      Supervisory Committee
   by being the most trusted and                                                                        Jennifer Togni.......................... Chairperson
                                                                                                        Sharon Abbott ............................. Secretary
   respected financial leader in the
                                                                                                        Elizabeth Sine
   communities we serve.                                                                                Nora Smith
                                                                                                        Susan Williamee

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