July - HealthCom Federal Credit Union by liuhongmeiyes


									                 HMC CREDIT UNION
   1508 N. Thornton Ave., Ste. 112, Dalton, GA 30720                  Office Hours Monday through Friday
706-272-6196 Fax 706-272-6390 Email creditunion@hhcs.org                     9:00 AM to 4:00 PM

      Serving Members for 48 years                                                July 2006

                                  Website                                           Special points of interest:
We are pleased to announce our new website. Please visit us at                      • Credit Union Website

www.hmcefcu.org. From our website you can:                                          • Certificate Special
                                                                                    • Holiday Closings
       •   Print loan applications, address change forms,
                                                                                    • Debit Cards
           debit card applications
                                                                                    • Relationship Rewards
       •   Obtain information on credit union products and services                 • Annual Meeting Highlights

       •   Stay informed by reading our quarterly newsletter                        • Credit Policy Notice
                                                                                    • Visa Credit Card/Vacations
       •   Obtain certificate and loan rate information
You can also access links to your credit card and find a surcharge-
free ATM. We know you will enjoy visiting us from the convenience                    Holiday Closings
of your own home or office, 24 hours/7 days a week.                                  Please plan ahead as we will
                                                                                     be closed these Federal

  6.00%            APY   11 Month Special Share Certificate
                                                                                      •    Monday, September 4th
                                                                                               Labor Day
  •   $1,000 minimum/$10,000 maximum
                                                                                       •     Monday, October 9th
  •   With checking account & direct deposit (free ATM/debit card)                           Columbus Day
  •   Limited Time Offer

                                                 Relationship Rewards—the more products and
                                                 services you use, the more money you save. Open a
Debit Cards: Use your credit union debit         checking account with direct deposit and you will
card instead of cash or checks for your pur-     receive an interest rate reduction of 1/2% off your next
chases. Just press “credit” wherever you see     loan. If you have a Christmas Club account or Share
the VISA symbol and you don’t even have to       Certificate account you will receive 1/4% off and if you
remember a PIN. If you use “debit” and your      finance your auto with us, you will receive another 1/4%
PIN, most stores will give you “cash-back”,      off the rate on your next personal loan. That is a total of
eliminating the need to go to the credit union   up to 1% off your next personal loan rate, plus you will
for cash.                                        be earning great dividends on your Christmas Club and
                                                 Share Certificate.
                                    Annual Meeting Highlights
The credit union celebrated its 48th anniversary on April 18th in the hospital cafeteria with more than
100 members present to enjoy the refreshments and a chance to win door prizes. We greatly appreciate
everyone that attended this special event. Chairman Randall Foster reported on the highlights of 2005:

       •   New services: Cash withdrawals, checking accounts, debit/ATM cards
       •   New products: 24 and 36 months share certificates
       •   New eligibility: Membership was opened up to extended family members
       •   New milestone: Assets increased to over $7 Million Dollars
       •   New record: The amount of monthly loan closings broke records in October

                                 Loans made in 2005: 962 @ $3,726,333
                                    Dividends paid:       $69,284
                                       Members served:    1671

Board Members for 2006-2007 are as follows:                Staff:
Randall Foster, Chairman                                   Deborah Wright, Manager
Scott Vinsant, Vice Chairman                               Kristina Pierce, Sr. Financial Service Rep.
Tom Wiley, Supervisory Committee Chairman                  Janice Bagby, Sr. Financial Service Rep.
Terri White Sullivan, Secretary                            Laurie Hollis, Teller/Financial Service Rep.
Mary Shoemaker, Board Member                               Amanda Davis, Teller/Financial Service Rep.
Kendall Tate, Board Member
Beverly Joy, Board Member                                  Volunteer:
Bob Johnson, Supervisory Committee                         Patricia Clayton
Sue Holsomback, Supervisory Committee

                                                     Vacations: Consider your credit union
                                                     credit cards—According to a July 2005
                                                     survey by the Woodstock Institute, the
        Notice of Credit Policy:                     November issue of Consumer Reports
        It is the policy of the credit union         magazine states credit unions typically offer
        to deny financial services to those          lower fees and interest rates on credit cards.
        members who have caused the                  The best thing to pack is your HMC
        credit union to incur a loss of any          EFCU VISA credit card. You can use it to
        sort, and who have not voluntarily           pay for airline tickets, hotels, rental cars,
        repaid the loss or are not in the            restaurant meals and souvenirs anywhere in
        process of voluntarily repaying              the world. Our credit cards offer the utmost
        the loss. This policy applies to all         in security so you have peace of mind.
        losses, whether the result of                So relax and enjoy your vacation!! Let us
        bankruptcy or otherwise.                     take the stress and hassle out of your life.
                                                     To apply, go to www.mycucard.com.
                                                     Earn rewards when you use your
                                                     Platinum Preferred Credit Card.
                                                     See rewards at www.scorecardrewards.com.

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