JANUARY / 2012
Smart PHone Banking Project
We are developing a smart phone banking platform. It’s a complex project and our
team is working hard to get it right so we can introduce the technology later in the year.
Branch Home loan
refurbishments facts sheets
With recent changes to the National
The Jimboomba and Charters Towers
Consumer Credit Protection Act 2009,
branches underwent refurbishment
Queensland Country is now providing
customers with key facts sheets on
Jimboomba staff worked from a home loans.
In November, Queensland Country
temporary site to ensure Member
held its 41st Annual General Meeting Introduced on 1 January 2012, key facts
services were not impacted by the
in Mount Isa. sheets provide product information in a
renovations. Charters Towers branch
set format so it is easier for people to
The meeting was attended by many renovations were able to be performed
shop around and compare loans. They
valued Credit Union supporters and in two stages which allowed Members
also highlight important information such
reported on the organisations financial to continue to access our services within
as the total amount to be paid back over
results for the year to 30 June 2011. the branch.
Comment from the floor during question the life of the loan.
time delivered praise about Queensland Both branches are now complete with
For more information on the key facts
Country’s Retirement Savings Account. It modern finishes which we hear are being
sheets or to obtain a key facts sheet visit
was wonderful to receive this feedback well received by Members and staff.
your local branch or www.qccu.com.au.
and reaffirms that Queensland Country’s
products assist Members achieve their
Gladstone branch now open
financial goals and are appreciated within
Branch manager Lyn Nash and her staff have been busy since opening the new
Gladstone branch in early November. In between welcoming new Members, the team has
hosted a cinema movie premiere and a function where Member for Flynn Ken O’Dowd
officially opened the branch.
2011 was an eventful year for
Queensland Country. Achieving
our 40th year of operation was a
milestone the staff of Queensland
Country and many of our Members Recent statistics collected by
were very proud of. We enjoyed Queensland Country show a decline
sharing events with our communities in the number of people saving for
and were pleased many of our a point of almost outgrowing our Head big events like Christmas.
Members were able to join us on Office building in Townsville. We have
purchased a parcel of land on a prime Are you one of those suffering from
site in Townsville and will be building overwhelming credit card debt because
Our 40th anniversary website is another a new facility to accommodate our you didn’t budget for Christmas expenses
wonderful product of our celebratory year growing Credit Union and Health Fund last year?
and I encourage you to have a look at the Head offices. This will be a very exciting Talk to Queensland Country today about
photos and videos if you haven’t already. time for Queensland Country and we opening a Christmas Club account now
In November 2011 we expanded our believe the location will provide us with so you can start saving and be more
branch network when we opened a excellent exposure. organised for the next festive season.
branch in Gladstone. As expected the I trust you all had an enjoyable Christmas
membership base is steadily growing in and New Year and I look forward
Gladstone and we have received a very
positive reaction to our new concept
to Queensland Country continuing CUTIPS fOOTY TIPPING
to look after your financial needs
branch which offers Members additional throughout 2012. Queensland Country is encouraging
experiences like touch screens to
all Members to make this year’s footy
access product information and online Regards
tipping competition bigger and better
than last year.
Looking ahead, 2012 is going to be yet
There are plenty of great prizes on offer
another exciting year for Queensland
Country. With the Credit Union again and best of all its free!
Aileen Cull Chief Executive Officer
continually expanding we have reached Thirteen Queensland Country tippers
scored prizes last season and the second
MEMbER Satisfaction Survey highest tipper for the NRL competition
was a fellow Queensland Country tipper
and scored a whopping $1,000 prize.
The results from the 2011 Member Survey have been finalised and again report
impressive results with Queensland Country Credit Union continuing to score higher You can even set up your own mini
Member satisfaction ratings than banks. Member’s satisfaction with the overall service competitions. Why not have separate
provided increased to 93%, cementing Queensland Country’s reputation as a high competitions for your family, friends
quality service provider. and work colleagues. Start recruiting
those you want to compete against
The results also highlighted opportunities for improvement. Initiatives to address these,
now so when the footy tipping season
develop and improve Queensland Country’s product offerings are already underway.
commences you’re ready to start the fun.
If getting more back from
your health fund matters
to you – talk to Queensland
Country Health Fund
1800 813 415 or pop in to you nearest Queensland Country branch. better health cover shouldn’t hurt
www.qldcountryhealth.com.au Queensland Country Health Fund Ltd ABN 18 085 048 237
Member security is important at Queensland Country that’s why
e-client numbers were introduced in 2010. The 10 digit numbers
offer Members additional security when performing internet banking
transactions and easier access to associated memberships when
using CU Online.
In the coming months system upgrades will specify that e-client
numbers will be the only acceptable way to access online
information so all Members are encouraged to use e-client
numbers when accessing CU Online. Members who do
not currently have an e-client number should visit
their local branch to obtain one. It’s easy.
COMMUNITY Grants Queensland Country Branch
Sales Manager Carmel Dal
The Queensland Country Community Grants Scheme offers Ponte is proudly enjoying her accolade
funding to clubs and not-for-profit community groups to help them of 2011 Townsville Rural Remote
implement projects and programs that benefit Queensland communities. Manager of the Year.
Since 2004 Queensland Country has granted $1.37 million in funding, which has
Carmel’s application and panel interview
helped 474 groups implement projects across Queensland.
left a lasting impression on the judges
The scheme, now in its eighth Queensland Country will be calling for leading her to take the title at the
consecutive year, will be seeking applicants soon so if you are part of, or Management Excellence Awards
applications for projects in the areas of: know of, a community group that has a luncheon in late 2011.
• Environment great project to implement, now is the time The recognition earned Carmel a place
to start thinking about applying. to vie for title of 2011 Queensland
For more information talk to your local Rural Remote Manager of the year in
• Arts, Culture & Heritage
Branch Manager or visit www.qccu.com.au Brisbane. Congratulations to Carmel on
• Education her achievement and her contribution to
• Sport & Recreation our organisation.
Worried about Need
relax. Choose Westpac or St George ATMs to
receive free or reduced fee withdrawals*
Your super is safe with
Queensland CountrY’s *Queensland Country Credit Union has
partnered with Westpac so Members can
our retirement savings account has: access more ATMs.
• No share market exposure
• Capital guaranteed by QCCU This means Queensland Country
• No administration fees and a Members can use any Westpac or St
competitive rate George ATMs and receive a number of
free withdrawals each month, before
a refreshing attitude to banking
being charged a reduced fee. Refer to
Terms, conditions and fees apply. This product is issued by Queensland Country Credit Union Limited. ABN 77 087 651 027
Australian Credit Licence 244 533. A copy of the Product Disclosure Statement can be obtained from your local branch. fees and charges brochure for full details.
Before acquiring this product you should consider whether or not its appropriate for you.
Country QUEENSLANd AT A GLANCE
PhOTO COMPETITION Figures
Capturing the spirit of country Nov Nov
Queensland on film is no mean feat, 2010 2011
but Queensland Country’s Members
managed to bring out the true Assets $990m $1,123m
essence of what makes Queensland Win
ning Loans $833m $917m
great as part of our recent phot
photo competition. Ama
Neil deposits $881m $1,012m
The competition, held over eight weeks, called
on Members to submit photos around the theme of “Country
Queensland”. We received over 320 amazing photographs, which were whittled
down to just 10 finalists by a panel of judges for public voting on Facebook.
The winning image following the public vote was “These boots are made for working”,
taken by Member and Charters Towers resident Amanda Neilson.
The photo epitomises the working lifestyle of Country Queensland and was described Keep up to date with our current interest
by Amanda as “An iconic outback symbol that can be found on any working property”. rates by visiting www.qccu.com.au
Amanda received $1,000 in prize money and her photo will become the new faceplate
design on a Visa debit card in 2012. Visit www.qccu.com.au to view all the entries.
As a Queensland Country Member
you are entitled to benefits on
doesn’t always ClearView life insurance cover
go as planned….
Ever considered how a traumatic event
• 10% premium discount on your policy
• Extra 10% paid on all claims for
Serious Illness Insurance at ClearView Your local branch (check our website
could change your life? How it could
for your closest branch details)
affect your income, your independence, and Injury Cash Insurance at ClearView
your ability to pay the bills and the • Extra 20% paid on accidental death
mortgage, and care for the people closest for Life Insurance at ClearView
to you? and Accidental Death Insurance at www.qccu.com.au
Unfortunately, many of us insure our ClearView if not claiming under the
material possessions like our car and
house and forget about the most
Motor Vehicle Accident Benefit
• Guaranteed acceptance on
important asset, ourselves. firstname.lastname@example.org
Accidental Death Insurance at
Queensland Country has partnered with ClearView and Injury Cash Insurance
ClearView to provide Members access at ClearView
to a suite of life insurance options for Secure peace of mind for you and your Landline 1300 722 812
you and your loved ones that can help family. To find out more about these
Mobile (07) 4728 2666
with financial recovery in the event of insurance cover options and receive a
a tragedy. General Insurance 1800 722 811
quote visit your local branch or
You can choose affordable life www.qccu.com.au.
insurance options that suit
your needs: P.O. Box 679 Aitkenvale Qld 4814
• Life Insurance at ClearView
• Accidental Death Insurance at Before acquiring any Queensland Country financial product
Disclaimer: ClearView Life Assurance Limited ABN 12 or service mentioned in this newsletter you should consider
ClearView whether or not they are appropriate for your circumstances
000 021 581 AFS Licence No. 227 682. This is general
information only and does not take into account any and obtain the relevant Product Disclosure Statement,
• Injury Cash Insurance at ClearView Product Information Brochure, Terms and Conditions, and
particular person’s objectives, financial situation or needs.
Before acting on such information, you should consider Fees & Charges Brochure which are available from any
• Serious Illness Insurance at ClearView Queensland Country Credit Union Branch. Fees and charges
the appropriateness of the information having regard to
your personal objectives, financial situation or needs. You may apply to products. Normal lending criteria applies to loans.
They are simple to apply for with no Queensland Country Credit Union Limited. ABN 77 087 651
should read the relevant PDS before making any decision
medical or blood tests required. about acquiring or continuing to hold a product. 027 AFSL/Australian Credit Licence 244 533 Queensland
Country Health Fund Ltd. ABN 18 085 048 237