Adopt a Family International Credit Union Day

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					                                     ·VOLUME 6 · ISSUE 3 · SEPTEMBER 2008·

                                                         Adopt a Family
                                         The credit union is adopting a family for Christmas – and you can help!

 The Highest Quality Commitment to      There will be Christmas trees up in the lobby at the main and branch office
       Your Financial Needs             with tags with items that the family is requesting for Christmas. The trees will
                                        be up on Monday, December 1st, and the unwrapped gifts need to be returned
                                        to our office by Friday, December 12th.

Officers & Directors
                                        Please don’t wrap the gifts – it makes it easier for us to keep track of what
Scott Chicoine / President/CEO          was purchased. We will take care of wrapping the gifts and getting them to
                                        the family for Christmas, all you need to do is buy the gift and bring it back to
Susan Patchak / VP-Senior Lender
                                        either office.
Sharon Behring / AVP-Operations
Laura LeRoy/ Operations Officer         More information will follow on the website as we get it.

Rick Van Drisse / Board Chair
Ted Balser / Vice Chair                          International Credit
                                                      Union Day
Bunny Hansen / Treasurer
Becky Payne / Secretary
                                     Do you know who owns UW Oshkosh Credit Union? You do! And that is just one of
John Willinghanz / Director
                                     the many things that make credit unions unique and one of the membership
Ashay Desai / Director               benefits we’ll recognize on Thursday Oct. 16th when we celebrate International
                                     Credit Union Day.
Shawn Kelly / Director
                                     Credit unions are not-for-profit, democratically controlled, volunteer-run,
                                     member-owned cooperatives. They exist to serve their members. Unlike most
           Main Office               other financial institutions, credit unions do not issue stock or pay dividends to
        Radford Square               outside stockholders. Instead, earnings are returned to members in the form of
                                     lower loan rates, higher interest on deposits, and lower fees.
        90 Wisconsin St
       Oshkosh WI 54901              Because they are unique in both structure and purpose, credit unions provide a
         (920) 424-3282              viable alternative to for-profit financial institutions for more than 177 million
                                     members in 96 countries. At UW Oshkosh Credit Union, we take pride in our
                                     heritage as a cooperative financial services provider and our connection to the
          Branch Office
                                     49,000 credit unions worldwide. On Thursday October 16th, we’ll join with credit
      Reeve Memorial Union           unions and their members around the world to celebrate International Credit Union
        748 Algoma Blvd              Day in recognition of the benefits those institutions bring to their members.
       Oshkosh WI 54901
         (920) 424-3283              At credit unions, every customer is both a member and an owner. This year’s
                                     International Credit Union Day theme – It Belongs to Me – celebrates the economic
                                     democracy and equal ownership rights of each credit union member, regardless of
        see us on the web            how much money that member may have in savings. Please join us on Thursday          October 16th as we honor our most valuable asset: our members. You are the
                or                   reason UW Oshkosh Credit Union exists.
             email us                Check out our Web site for more information about             International Credit Union Day and prepare to celebrate the credit union difference.

       ATM's Located at:             Help us celebrate on October 16th. In honor of
                                     International Credit Union Day we will be having
         Radford Square
                                     refreshments at both locations.
     Reeve Memorial Union
    Clow Social Science Center       We look forward to seeing you there!
    The 6th-Annual Roseanne Hoefel
                                                              "It's In The Bag"
    Diversity Run/Walk/Roll will take place
    on October 11th. This is an Earth                      Debit Rewards Campaign
    Charter Community Summit event; it
    begins at the Student Recreation and          The “It's In The Bag” campaign will run from October 1 through December 31, 2008.
    Wellness Center at 8:00am. Oshkosh            This campaign offers you the chance to win a shopping spree when you use your
    Mayor Frank Tower will also be a               debit card to make purchases.
    feature speaker, talking about the
    University Sustainability Program. This
    begins at 11:30am, and is in the Reeve        Each month of the “It's In The Bag” campaign, six lucky winners will receive a
    Memorial Ballroom. Lunch will be              shopping spree, valued at $50.00. At the end of the campaign period, one first place
    provided.                                     prize winner will receive a shopping spree, valued at $300.00, and one grand prize
     Homecoming is the week of October
    12th – 18th.                                  winner will receive a shopping spree valued at $500.00!
    There will be various events throughout
    the week for everyone on campus and              No sign up necessary - every time you use your debit card between October 1
    in the community, including Window
    Painting, Hall/House decorations,                and December 31, 2008 you're automatically entered into the drawing.
    Royalty Voting, a Campus Food Drive,
    and even comedian Daniel Tosh.
    Saturday, the 18th starts at 8:00am with
    a Continental Breakfast at the Multicul-
    tural Education Center, followed by an
    Open House and Breakfast at the
    Pollock Alumni House which begins at
    9:00am. The Parade begins at 10:30am
    at Fox Valley Technical College, then
    travels down Witzel to Josslyn, and
    continues to the J.J. Keller Field at Titan
    Stadium where the Pre-Game
    Celebration/Tent City will be.
    The Titans take on UW Whitewater this
                                                                   What’s Your Score?
    year, kickoff starts at 1:30pm. During
    half-time the Homecoming King and                              What Does It Mean?
    Queen Coronation will take place, and
    the winner of the Titan Sport Raffle will       The credit industry is keeping score. Every time you apply for a credit card, a
    also be announced.
     *For more information regarding                mortgage, insurance, or perhaps even a job, your application is judged in part by
    Homecoming, visit their website                 your credit score. Ranging from 300 to around 900, the number is used by                       lenders to objectively measure your creditworthiness. The higher the score, the
                                                    more likely you are perceived to repay credit.

                                                    There are two commonly used scores: FICO and VantageScore. FICO scores
                                                    range from 300 to 850, while Vantage scores range from 501 to 990.

                                                    Factors that affect your credit score include payment history, amount of debt you
                                                    carry, length of credit history, whether you frequently apply for new credit, and
We will be closed:                                  your credit mix (credit cards, retail cards, mortgage, personal loans).

♦    Thursday & Friday                              The best advice is to pay bills on time and only charge as much as you can
     November 27 & 28                               afford to pay in full when the bill is due on credit cards and other revolving
     Thanksgiving                                   accounts.

♦    Wednesday & Thursday                           To order your credit report for free, go to You can
     December 24 & 25                               order one free credit report a year from each of the three credit reporting

♦    Wednesday & Thursday
     December 31 & January 1
     New Years

          "Discretion is being
           able to raise your
          eyebrow instead of
              your voice."
Traveling Abroad: the Insurance Checklist You May Have Never Considered

        The passports and electronic tickets are in the carry-on bag, you’ve canceled the newspaper delivery for the week, the
dog is at the neighbor’s, and you’ve brought the extra digital camera card – everything is all set for that European vacation. Or is
it? Lost in the excitement of the upcoming trip may be something you would never consider overlooking here at home:
insurance. Before you go, make sure you’ve considered how your auto and home insurance policies serve you on foreign soil.

Renting a Car

          If you plan to drive through the English countryside, either in a car you rent or borrow from a friend or family member,
keep in mind that your auto insurance policy will not cover losses that occur outside of the United States, Puerto Rico and U.S.
territories, or Canada. Foreign car rental agencies do offer coverage, so purchase an amount that is equivalent to that of your
U.S. auto policy. Each country has its own minimum insurance requirements, so visit the U.S. State Department’s website to
know them ahead of time.
          ♦ Did you know? Many countries do not recognize U.S. drivers licenses, so apply for an IDP – an International Driving
               Permit - to alleviate any potential problems. You can obtain an IDP from the American Automobile Association (AAA)
               for $15.
Your Home Coverage – Over There

         The personal property protection you get with your homeowners policy travels with you wherever you go. So while you
won’t be able to replicate the images of gothic cathedrals taken with your video camera if it is stolen, your insurance policy will
cover it up to your coverage limits, and subject to any deductibles.
         ♦ Did you know? If your luggage is lost or stolen en route to an international destination, airlines limit coverage at $9.07
             per pound for checked baggage and $400 per person for carry-ons. Airlines offer the opportunity to purchase
             "excess valuation" protection if your checked baggage is worth more than these limits.
         Your homeowners policy also offers worldwide liability coverage should you cause injury or property loss to another. So if
you accidentally poke someone in the eye with your bumbershoot in London, your personal liability protection is in-force, and the
medical expenses for the optically injured person will be covered (subject to any stated exclusions in your policy).
Your Home Coverage – Back Here

           Meanwhile, as you sample the chocolates in Bruges or soak up the French Riviera sunshine, that windstorm back home
dropped a tree limb through your roof … or a pipe burst, flooding your basement … or a faulty outlet sparked a garage fire. The
initial loss from any of those occurrences may very well be covered by your home policy, but further property damage can be
avoided if someone is available to file a timely claim. Ask a family member or trustworthy neighbor to regularly check on your
home while you are gone, and leave your itinerary and contact information with them in the event of an emergency.
           ♦ Did you know? If your travels take you abroad for an extended period of time, your home may be considered
               “unoccupied” from an insurance standpoint and your policy will define your responsibilities for certain losses to be
               covered in those instances. Check your policy for stated exclusions, or contact your insurance agent to understand
               how your insurance works for you during lengthy trips.

Indeed, that gondolier cruise in Venice will be even more relaxing when a trusting eye is watching your home. Before
you leave town, arrange for your friend or neighbor to do the following – and don’t forget to return the favor when they take a trip:
        ♦ Collect any delivered packages.
        ♦ Set out your garbage can for normal pickup and put it away afterward.
        ♦ Park their car in your driveway occasionally (or move your car) so it looks like someone is home.
        ♦ Keep an eye on your property – and call the police if they see something suspicious.
        ♦ Act for you in an emergency. (Leave them a spare key, instructions and codes for your security system and
            information about how to reach you.)
It would be a shame for an exciting foreign trip to be disrupted by an accident abroad or a loss back home, but a good
understanding of how your auto and home insurance works wherever you are in the world will bring you steps closer to a          worry
-free vacation.

As a member of UW Oshkosh Credit Union, you are eligible for a discount on your auto, homeowners and renters insurance
through the convenience of electronic fund transfer or direct billing at home with Liberty Mutual’s Group Savings Plus® program.
For more information about this program, please call 920-749-9799 or visit
E-statements are here!

 To sign up for e-statements, simply log into home banking, click on the e-statement link on the left side and follow the
instructions. Once you sign up, and e-mail comes to our office, we get you set up here, and as long as you sign up before 2
PM on the last business day of the month, your statements will start for that month’s activity.

 Need a reason to sign up for e-statements? There are many reasons. The first reason is they are more secure than paper
statements since you need to be logged into your account to view them. Your paper statements go through a printer, the
post office and finally sit in your mailbox completely unsecured since most of you probably don’t lock your mailboxes!

Some other reasons are:

•   you get them much quicker than in the mail (but you can still print them if you want to!)
•   you save paper because you view them on your computer
•   the processor keeps 24 months of statements on file for you so you can always go back and view an old statement
•   It’s fast and easy and free to sign up

                                             Identity Theft Victim
                                              The Federal Trade Commission (FTC) estimates that almost 9 million Americans are
                                              victims of identity theft each year.

                                              According to a 2006 FTC study, the cost of this crime approaches $16 billion a year,
                                              with the average loss from the misuse of a victim's personal information around $1,800.

                                              If you are a victim, take these steps immediately:

                                              * Place a fraud alert on your credit reports, ask for a free copy of your credit report, and
                                              review those reports for evidence of accounts you didn't open. Fraud unit contacts are:

                                              Equifax 888-766-0008
                                              P.O. Box 740241, Atlanta, GA 30374-0241

                                              Experian 888-397-3742
                                              P.O. Box 9532, Allen, TX 75013

                                              TransUnion 800-680-7289
                                              P.O. Box 6790, Fullerton, CA 92834-6790

                                              * Close accounts--including share drafts/checks or ATM cards--that have been tampered
                                              with or used fraudulently. Contact all financial institutions and lenders, credit card
                                              issuers, utility companies, and the Social Security Administration to notify them of the
                                              fraud. Follow up each conversation with a letter.

                                              * File a report with law enforcement and insist on getting a copy of the report or the
    3rd Quarter Kidz Kash winner is           report number.

           Isabelle Labus !                   * File a complaint with the FTC. Visit for more
                                              information or call 877-IDTHEFT.