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					       THE          Report Card                                                                                                Summer 2005


                                                                                                                 TC Chamber Names TBA Credit Union
                                                                                                                 Top 10 Finalist
                                                                                                                 The Traverse City Area
     Large enough to serve you, small enough to care.                                                            Chamber of Commerce Small
                                                                                                                 Business Celebration's judges
                                                                                                                 recently announced their selec-
                         PRESIDENT'S MESSAGE                                                                     tion of the Top 10 small busi-
  “Money talks…mine always says goodbye!” That was the sticker on                                                nesses in our community. TBA Credit Union was selected
  the van in front of me as I waited in traffic on South Airport                                                 as a finalist for the 2005 Small Business of the Year Award.
  Road. I thought about that for a minute and realized how true that
  statement can be.                                                                                              Finalists were selected based on their commitment to
                                                                                                                 employees and the community as well as their philosophy
  Just look at the cost of utilities, groceries, fuel, insurance, college,
  taxes, daycare, etc., and you ask yourself, “Where does that leave
                                                                                                                 on customer service. TBA was proud to be in the company
  me on the proverbial rainy day? What can I do?” You can try                                                    of these finalists who collectively embodied vision,
  paying yourself first. Systematically tuck a few dollars away by pay-                                          technological advances, creativity, and innovation in the
  roll deduction if you can and put it into that ‘rainy day’ fund.                                               Grand Traverse region.
  You’ve heard me say it before, “Out of sight, out of mind.” The
  few dollars that you elect to have transferred into an account today
  can add up to a lot of money for your future.
                          Best Personal Regards,
                                                                                                                                             Enter To Win
                          John Yeomans
                                                                                                                 Talk about an offer you can sink your teeth into!
Access to Complete Financial Solutions                                                                           During TBA’s Grill, Gear, & Spa promotion, encourage a
with Just One Click                                                                                              friend or family member to join the credit union and earn
                                                                                                                 a chance to win one of three great prizes! Choose from a
It’s easy to connect with a full network of financial solutions.
Simply visit our Web site at www.tbacu.com and click on                                                          grill, gear or spa package worth $750!
My Financial Center.                                                                                             For every person you get to sign up as a new TBA
MEMBERS Financial Network is a comprehensive resource                                                            member, you are entered to win. The more you sign up,
that’s easy to use and available 24/7. It will help you plan                                                     the more chances you have to win!
your financial future and answer your financial questions.                                                       So what are you waiting for? Visit the Grill, Gear & Spa display
By using this tool, you can:                                                                                     at your nearest TBA office or see the insert for more details!
• Get auto insurance quotes and product details, buy
   mutual funds, and update your CUNA Mutual Life
   Insurance policies all online.                                                                                Visa Special – 4.99% APR
• Research investments and trade stocks online through                                                           Summer Gasoline Purchases
   two convenient systems.
• Track news, stocks and mutual funds.                                                                           Use your TBA Visa Gold or Classic card until September 5,
• Use electronic calculators for planning and evaluating                                                         2005, and enjoy 4.99% Annual Percentage Yield on all
   your financial goals.                                                                                         gasoline purchases!
• Access a wide selection of educational financial articles.                                                     Whether you are driving to the east coast or filling the
For a complete range of information and help with our                                                            tank of your cabin cruiser, take advantage of this low rate.
financial directions and decisions, visit our Web site at                                                        No matter how long it takes you to pay it off, you will
www.tbacu.com or call us at 231-946-7090 for more                                                                never pay more than 4.99% APR on your summer gasoline
information.                                                                                                     purchases.
Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc.
(CBSI), member NASD/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866-512-6109. Insurance              Don’t have a TBA Visa yet? No problem! Visit any of our
sold through licensed CUNA Mutual Life Insurance Company Representatives, and in New York, licensed
insurance representatives of other companies. Nondeposit investment products are not federally insured,          convenient Traverse City offices for an application so you
involve investment risk, may lose value, and are not obligations of or guaranteed by the credit union.
CBSI is a registered broker/dealer in all fifty states of the United States of America.                          can start enjoying these cardholder benefits immediately!

    www.tbacu.com                                3033 Cedar Valley Dr.                         924 East Eighth Street        537 Bay Street             746 Munson Ave.
    231/946-7090 phone                           Traverse City, Michigan                       Traverse City, Michigan       Traverse City, Michigan    Traverse City, Michigan
    800-678-0987 toll free                       49684                                         49686                         49684                      49686
    The Report Card
                                                               2005 Outstanding Educators
      TBA COMMUNITY PARTICIPATION
 • Outstanding Educator Awards
   The TBA Credit Union was honored to sponsor for
   the first time, the 21st Annual Chamber of
   Commerce Outstanding Educator Awards.

 • Junior Achievement
   TBA inspires young people to focus and believe in
   higher education, by dedicating staff time teaching         Judy Bedard            Inara Kurt         James Pavelka
   junior achievement classes at area schools.                 Carolyn Gauthier       Kathleen Lau       Sabin Team
                                                               Trish Hackett          Nan Lewis          Barb Simons
 • Scholarships
                                                               Judy Heffron           Dr. Jayne Mohr     Mary Somsel
   TBA is once again proud to partner with the Grand
                                                               Sharon Jennings        Deb Nelson         Barb Vinocur
   Traverse Bay Area Retired School Personnel and
                                                               Jim Wrede              TBA-ISD Early Childhood Team
   GTBA-MEA Retired School Personnel to offer
   scholarships to students in the community.
                                                                 Meet Your New Board Member - Steve Merten
 • Teacher Appreciation Week
   TBA teamed with MEEMIC Insurance to honor                                             “A commitment to community
   area educators by celebrating Teacher Appreciation                                    and a commitment to quality”
   Week. Representatives from TBA and Harvitt                                            motivated Steve Merten to
   Insurance visited local schools, sharing light                                        join us as the newest member
   refreshments and entering teachers into a drawing                                     on TBA’s board of directors.
   for a 27” TV.                                                                         A Traverse City resident for the
                                                                                         past 13 years and a TBA
 • Adopt a Highway                                                                       member since 1999, Steve has
                                                                                         "always been impressed with
   Friends and family recently joined staff in cleaning
                                                                 the personalized customer service and the entrepre-
   the debris along Lafranier Road. After a long
                                                                 neurial spirit demonstrated by the TBA team."
                                winter, there was much
                                to be done and those             A graduate of Saint Joseph’s University, Steve is a
                                who volunteered                  Principle, Vice President, and Commercial Insurance
                                eagerly spent the                Sales Agent at Fawcett Dopke Agency. When he’s not
                                evening working to               working, he is busy spending time with his wife, Nina,
                                keep our community               and children Christopher, 13, and Cassidy, 6.
                                looking beautiful.               Though Steve keeps busy with work and family, he is
 • Big Brothers Big Sisters                                      very involved in the community. He is an active mem-
   A fun night was had by the staff who joined in the            ber of the Traverse City Area Chamber of Commerce
   bowl-a-thon to raise money and awareness for one              serving on several Small Business Council committees
   of the area's leading children’s organization.                and has assisted Michigan Association of Insurance
                                                                 Agents serving on the Strategic Alliance taskforce.
 • TC Central Hall of Fame                                       Steve is also actively involved with the Kiwanis Club
   TBA was proud to celebrate excellence and                     of Traverse City and the Home Builders Association
   community service by honoring inductees into                  of the Grand Traverse Area.
   the TC Central Hall of Fame, Class of 2005.                   As a business owner and devoted member of the
   The five recipients were Harold C. "Red" Johnson,             community, Steve will keep your best interests in mind
   Lt. Col., Mel Larimer, Bob Lober, Ken Bell and                as he uses his skills and experience to help TBA set a
   Mel Gee.                                                      positive course for the future.


Hours Monday-Friday 9:00-5:00
Hours Monday-Friday 9:00-5:00               Holiday Closings     Independence Day, Monday, July 4
                                                                 Labor Day, Monday, September 5

				
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