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					                                                                        Delivering For You...Value, Quality and Service
                                     A Quarterly Publication for Members of West Coast Federal Employees Credit Union                               Fall 2009

                                                                                                                                            VISA NFL
                             Especially this year, don’t let the magic and
                           true meaning of the holiday season pass you by.                                                                 Be A Star CD
 Celebrate with your loved ones, and reach out to those in need. But since gift giving is still a part of that
 tradition... don’t miss out on all the pre-holiday sales. Why not let us help you wrap-up your shopping early                            Youth Accounts
                                                                                                                                           Retiree Notice
                             BORROW UP TO $3000
                     AT 2% OFF OUR ALREADY LOW RATES*                                                                                       Family
You can get the extra money you need NOW! Hurry and apply, because we take the wrapping off this                                           Membership
SPECIAL HOLIDAY LOAN on December 31, 2009.
* The rate you receive depends on your credit worthiness. Credit restrictions apply. Member must meed credit union lending guidelines.    VISA Gift Cards

                  Take a Ride                                                      International                                            Quick Spin
                 Down Route 66!                                                  Credit Union Day

                                                                                 October 15, 2009                                            SMiShing
                                                                                Your MONEY, Your CHOICE,
                                                                                   Your CREDIT UNION
                                                                                                                                         Design a Seminar
  Extended warranty protection for our members.
Introducing our Route 66 Extended Warranty – The                                 This year’s theme celebrates the advantages of          Avoid Risk & Fees
lowest cost, best coverage plan for your vehicle.                                credit union membership. Value, trust and service
Here’s the good don’t even have to have                               are just some of the many benefits of being a           Credit Score Info
your vehicle financed with the Credit Union to take                              member of West Coast Federal Employees Credit
advantage of this program. It covers nearly all                                  Union. You are in charge of your money AND your
new/used vehicles and protects you against major                                 credit union. We are proud of our heritage as a           Postal History
mechanical expenses no matter where you travel in                                cooperative financial services provider and our
the United States, with NO DEDUCTIBLE on                                         connection to the more than 185 million members
                                                                                 of 53,000 credit unions in 97 countries worldwide.
                                                                                                                                            WE ARE
covered parts and labor. So what are you waiting
for? Save money!                                                                 Share the gift of membership with your family and           HERE
Get protected today! Stop by, check out our website
                                                                                 co-workers.                                               FOR YOU! or call our Loan Department for                                   Stop in for cake and coffee plus a small token of
more details.                                                                    appreciation on October 15th.

      Take a Break From Loan Payments...Skip-A-Pay is Back!
                                                                          Watch For Details
West Coast Federal Employees Credit Union

This Season, Let Your
WCFECU Visa Card
Be Your Ticket
To Gameday!                                                                                                               Family Members Don’t
No matter how you
boast your true NFL
                                                                                    Kids, Teens                            Let Family Members
colors, gameday should                                                            & Young Adults                              Bank at Banks
always kickoff with
Visa helping you buy                                                              We’ve got accounts that                    It’s a Mouthful – But It’s True!
all the necessities, from snacks and drinks                                          meet their needs!
                                                                                                                         Especially in today’s economic climate!
to your favorite team jersey.                                                                                            Don’t let your family members miss out on
                                                                           Whether it’s our Coaster Kids Club
When you use your Visa credit card between                                 introducing children 0 - 12 years to the      the benefits of Credit Union membership.
September 10 and November 30, 2009                                         world of savings, our Coaster Teens Club      Don’t let them continue to line the pockets
you’ll be automatically entered for a                                      teaching those 13 - 17 how to begin to        of banks by paying high fees and high loan
chance to win the ultimate NFL experience.                                 manage their money, or our new Young          rates while getting low returns on their
The more you use your Visa credit card, the                                Adults Account helping 18 - 25 year-olds      investments. Show them how much you
more chances you have to win.                                              become more financially savvy...WE ARE        care. Your family will appreciate you
                                                                           HERE TO HELP!                                 sharing the Credit Union experience with
The Grand Prize winner and three friends                                                                                 them. Whatever their age or financial
will receive a trip to a 2009 NFL Playoff                                  Each account has benefits designed            status...we can help.
game, the 2010 NFL Pro Bowl, and Super                                     especially for that particular age group.
Bowl XLIV, courtesy of Visa, including                                     Make sure all the young people in your        We promise to serve them as well as we
tickets, airfare, accommodations and more.                                 family are signed up in the appropriate       have served you. Being related to you is all
                                                                           account and let them reap the rewards of      they need to qualify for membership...
For more details, including how to win                                     Credit Union membership TODAY!                membership for life!
without a purchase please visit our website and click the NFL Promo

 Be A                                      Star!
  Take                                              ...Star
Advantage                                         Member CD
                                                                                                                               Visa Gift Cards
 of our...
                                                                               All Sarasota Postal                         Starting Your Holiday Gift List?
                                                                                                                                  Checking It Twice?
                    18 Months at                                               Retirees & Spouses
                                                                                                                         Don’t know what to get for that brother-
                    2.50% APY*                                                                                           in-law that already seems to have every
        Minimum Deposit of only $500!                                                IT’S OFFICIAL...
                                                                                                                         gadget ever invented? You know that your
The following active accounts are all you                                      Mark your calendars for                   teenage daughter wants music, but last
need to qualify for this special rate:                                        Wednesday, November 11th                   year she liked Miley Cyrus, and this year
   • A checking account                                                             at 11:30 a.m.                        you’ve heard her mention Lady Gaga.
   • Our LOW rate Visa Credit Card**                                                                                     You’re not even sure what Lady Gaga is.
                                                                           We are starting a new tradition – an annual
Lock in this great rate TODAY! Call us at                                  lunch at Troyer’s Dutch Heritage.             The answer is easy. Purchase Visa Gift
(941) 925-2890, stop by the office, or visit                               Please call to make your reservations by      Cards for all those on your gift list. Save
us on the web at                                           November 6, 2009. See you there.              time, hassle and embarrassment. See us
* APY = Annual Percentage Yield                                                                                          today for your Visa Gift Cards...and just
** An active checking account has at least 10 transactions per month
with a minimum of 5 transactions via Debit or ATM card. An active Visa
                                                                                    Jack Huppert 755-6340                like that... your shopping nightmares are
Credit Card has at least 3 transactions per month. An active loan with a           Barbara Gomez 371-7385                over. Call, stop by, or visit us on the web at
minimum balance of $5,000 may substitute for an active Visa Credit
Card.                                                                             Jerry Jurgensmier 358-7411    for more information.

                                            (941) 925-2890 • GABY (941) 924-9378 •
                                                                                                                    West Coast Federal Employees Credit Union

                Quick Spin Instant Win Game!                                                                                                      Did You
              WIN UP TO $3,000                                                                                                                    Know???
             ENDS OCTOBER 31ST
                                                                                                                                                   We have partnered
Still not taking advantage of the convenience of our Home                                                                                          with other providers
Banking Online Bill Pay? Check balances. View your transac-                                                                                       to offer our members
tion history. Transfer money with ease. And now, you can get                                                                                       additional services
$10 plus a chance to win. You may already qualify for FREE                                                                                           and great prices.
Bill Pay. Visit our website at or speak with a
                                                                                                        0  0!
member service rep for details.                                                                      ,0
                                                                                                $3                                               They include:
Just sign up for our Home Banking Online Bill Pay,
set your payees, and pay 7 bills online by October 31,2009.*                                                                                     • IDSafeChoice
        • Pay bills from one site with one password.                                                                                               (Identity Theft
        • Save checks.                                                                                                                             Protection)
        • Recurring payments for regular bills = no more late fees!
                                                                                                                                                 • Route 66 Extended
United States (and DC) 18 years and older. Ends 10/31/2009. Void where prohibited. $10 Credit Offer Terms and Conditions: Individuals must         Warranty
have an eligible checking account to receive the $10 credit. Offer applies to individuals that newly enroll in our Home Banking Bill Pay and
set up 7 payments that process between 9/1/09 and 10/31/09. Offer is valid for a maximum credit of $10 per individual. For official rules,       • GAP Insurance
including odds, and prize descriptions and $10 Credit Offer additional terms and conditions visit
                                                                                                                                                 • Shared Branching

                                                                                            SmiShing                                             • CUNA Auto, Home
                                                                                                                                                   & Life Insurance
                                                    Reports of SmiShing attacks (also known as text
                                                    phishing) have been impacting cardholders of                                                 • CUNA Credit Life and
                                                    financial institutions, including credit unions.                                               Disability Insurance
                                                    SmiShing is a type of engineering that uses cell                                             • Dental Insurance
                                                    phone text messages to persuade victims to
                                                   provide personal information such as card                                                     • Visa Gift Cards
                                                numbers, PIN’s and the CVV2 numbers on the back                                                  • and more... see
                                            of your card. It usually advises that your card has been                                               our website
                                         deactivated or suspended and gives you a number to call.                                        
                                         We will NEVER advise you of problems with your credit or                                                  for details
debit cards in this manner. Neither will other financial institutions.
Call the credit union directly if you are ever in any doubt.
                                                                                                                                               Holiday Closings
       Host A                                          Postal History                                                                               Columbus Day,
                                                                                                                                                Monday, October 12, 2009
    FREE Seminar.                                      Benjamin Franklin, our
   Help your family and friends                        First Postmaster General!                                                                      Veterans’ Day,
     become financially savvy!                                                                                                                 Wednesday, November 11, 2009
                                                      Franklin was appointed postmaster of Philadelphia by the
     Host a FREE workshop on                                                                                                                          Thanksgiving
                                                      British Crown Post in 1737. In 1757, he traveled 1,600 miles
    Budgeting, Identity Theft or                                                                                                               Thursday, November 26, 2009
                                                      surveying post roads and Post Offices from Virginia to New
      Building a Strong Credit
                                                      England. In 1774, judged too sympathetic to the colonies,                                       Christmas Day
      History. You provide the
                                                      he was dismissed. In 1775, Franklin served in the 2nd                                     Friday, December 25, 2009
    location (community center,
                                                      Continental Congress, which appointed him Postmaster
   apartment recreation, church                                                                                                                       New Years Day
                                                      General. With an annual salary of $1,000 and an additional
   social hall etc.) We’ll provide                                                                                                                Friday, January 1, 2010
                                                      $340 for serving as secretary and comptroller, Franklin was
     the speaker and workshop
                                                      responsible for all Post Offices from Massachusetts to Georgia
                                                      and had the authority to hire postmasters as necessary.

                                     (941) 925-2890 • GABY (941) 924-9378 •
Why Risk Your Money?                                      The Secret to                                  SHARE SAVINGS RATES
  Safeguard Your Federal Benefit Payments.                Avoiding Fees!                         Primary Shares
                                                                                                   $100 - $2,499.99
Are you concerned about the safety of               In today’s economy, the last thing that        $2,500 - $49,999.99                                 .50%          .50%
your monthly federal benefit check? If              any of us can afford is unexpected fees.
                                                                                                   $50,000+                                            .50%          .50%
so, you’re not alone. According to new                                                           Other Shares                                          .25%          .25%
                                                    So we’d like to help you by explaining       IRA Shares                                            .75%          .75%
research, concerns about financial crimes           why some fees occur and clarifying           Money Market $2,500 - $24,999.99                      .50%          .50%
are growing, with 17% of Americans                  some myths that have been widely held          $25,000 - $74,999.99                                .75%          .75%
saying they have been a victim - up 6%              and circulated for years.
                                                                                                   $75,000+                                           1.00%         1.00%
since 2005.                                                                                      CD*
                                                                                                   6 Month CD                                         1.00%         1.00%
                                                    Why is the fee charged?
Take a simple step to ensure your Social                                                           12 Month CD                                        1.24%         1.25%
                                                    We process thousands of member                 12 Month> ($25K CD & IRA CD)                       1.49%         1.50%
Security, SSI or other federal benefit              transactions per month, many in the form       24 Month CD                                        1.89%         1.90%
payments arrive safely and on time -                of checks and debit card transactions.         24 Month> ($25K CD)                                1.99%         2.00%
switch to electronic payments. With                 The great majority of them are                 60 Month CD                                        2.48%         2.50%
electronic payments, there is no risk of lost                                                    WCFECU Star Special 18 Month CD                      2.48%         2.50%
                                                    processed and paid as planned,               *Rates are subject to change. Ask any credit union employee for terms and
or stolen checks, and no need to carry              however a small percentage don’t make        conditions related to the above accounts. Rates effective 9/21/09.
large amounts of cash. The Department               it through the process as intended
of the Treasury recommends a safe easy              because there are not sufficient funds                           Board of Directors
alternative to paper checks for federal             available to pay the item when it             Chairman                                    Garrett W. Faber
benefits payments.                                  arrives. Non-Sufficient Funds (NSF)
                                                                                                  Vice-Chairperson                            Barbara Gomez
                                                                                                  Secretary                                   Karl J. Smith
Have your money direct deposited                    fees are assessed to help us to recover       Treasurer                                   William Schrader
into your Credit Union account.                     the costs involved with the process of        ALCO Chairman                               Jack G. Huppert
Treasury’s GO DIRECT campaign gives                 returning them, as well as to offset          Director/Audit Committee                    Doris Hipsher
you a fast, easy way to sign up for direct          the financial risk it represents. We          Director/Audit Chairman                     Richard D. Murias
deposit by phone or online. Money goes              strive to keep these fees as low as           Director/Audit Committee                    Patricia Whannel
straight to your account each month, so             possible... much lower than banks or
you never have to worry. To sign up call            other profit-motivated institutions.                          Management & Staff
(800) 333-1795 or visit                                                          President                    Marie E. Peet, CCUE
                                                    Two Myths                                     VP of Operations             Pamela J. Byler
and sign up today. Call Cindy for the correct       Isn’t there a “Float Time”?                   VP of Lending                Lisa F. Froelich
account format.                                     No there is not. In fact, technically         Loan Officer                 Joyce Seger
                                                    speaking, writing a check when you            Collector                    Raymond Townsend
 Is Your Credit Affecting                           know there is not enough money to             Loan Processor               Jennifer Hartl
                                                    cover it is fraudulent (and illegal).         Loan Clerk                   Robert Touret
Your Insurance Premium?                             Years ago the reality of the banking          Accounting                   Marjorie Rivera
                                                                                                  Asst. Operations Manager Cathy Olin
Most people understand that your driving            system was such that there was often a
                                                                                                  Membership Officer           Cynthia Holderman
record influences your auto insurance               period of time between writing a check        Teller Supervisor            Valerie Mahr
premiums. But did you know that 90% of              and when it would clear your account.         Member Service Representatives
insurers now use the applicant’s credit             Those days are gone. Now there are                 Cesar Vicuna, Paul Gualtieri
history to determine what policies to               many merchants, processors, networks          Marketing                    Violet Mason
offer a customer?                                   and other entities involved in the            Tallevast
                                                    processing of transactions around the         Security Officer           William Rizzo
If your credit score is low, you may have                                                         Member Service Representatives
                                                    clock. Many now clear in seconds...not             Heather Cookman, Monica Bueno
to pay a higher premium. It is very                 days.
important to understand your credit score
and the factors that affect it. Some of             If the machine approved me, I must                                  MAIN OFFICE
these are:                                          have enough money in the account!                        3487 Clark Rd., P.O. Box 17185
                                                    Not true. There are many variable                           Sarasota, FL 34276-0185
• Payment History - the single largest factor is                                                          FAX: (941) 922-2973 •
  your credit card and loan payment history.        involved in the authorization of a                  Office Hours: Mon., Tues., & Thurs. 9 am - 5 pm
• Money Owed - The number of accounts you           transaction at the merchant level, the                   Wed. 9 am - 2 pm • Fri. 9 am - 6 pm
  have, including type and balance.                 network level, and the recipient level.
• New Accounts - Every time you apply for a
                                                    It is never a machine or networks                               BRANCH OFFICE
  new account, a record appears on your credit
                                                    responsibility to ensure there are                      852 Tallevast Rd. Sarasota, FL 34243
  report and drops your score. Limit applications
                                                                                                        Office Hours: Mon., Tues., & Thurs. 9 am - 5 pm
  to accounts that benefit you with low rates.      enough funds available for a                             Wed. 9 am - 2 pm • Fri. 9 am - 6 pm
• Balances - Keep your balances well below the      transaction. That responsibility falls on
  available limits.                                                                                For lost or stolen ATM cards, please contact the credit union.
• Negative Records - Collections, judgements        the person initiating it.                      For Lost or stolen VISA credit cards and Debit Cards call
  and bankruptcy filings will lower your score.                                                              1-800-338-0566 M-F 8 am to 5:00 pm
                                                    By ignoring these myths and keeping a                           Weekends 1-800-991-4961.
Monitor your score and reports.                     ledger of your transactions (or monitoring        Debit or Visa Card Blocked? Call 1-800-437-9392.
Look for errors. For more information               them on your Home Banking system)                                                     EQUAL HOUSING LENDER
                                                                                                                                          We do business in accordance with
and to access a FREE report go to:                  you can avoid costly fees and keep                                                    the federal fair housing law and
                                                                                                                                          equal credit opportunity act.                          more money in your pocket.

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