Educat r PUBLISHED FOR THE MEMBERS OF CREDIT UNION OF GEORGIA Fall 2009 The www.CUofGA.org Win This Chopper! When you finance your next loan of $10,000 or more with Credit Union Santa Claus is of Georgia, you’ll not only receive our everyday low loan rates, but you’ll also be automatically entered to win a 2007 Saxon Griffin Chopper! Coming to Town… Through March 20, 2010, you will receive one automatic entry into the drawing for every $10,000 you finance with a Credit Union of Georgia Loan Saturday, December 12th – Product with a minimum draw of $10,000 on True Lines of Credit, Home Equity Lines Marietta Branch of Credit, and Visa® Credit Cards. Balance Transfers to your Credit Union of Georgia Visa® Credit Card will also earn you one automatic entry for every $10,000 in aggregate transferred balances. Stoney Savasaurus is bringing one of his best A winner will be selected at random through a drawing at Credit Union of Georgia’s 50th Anniversary friends to meet his Savasaurus Club friends! Annual Meeting on March 25, 2010. The winner will be notified by phone if they are not present at the Santa Claus will be at the Marietta Branch Annual Meeting Celebration. location Saturday, December 12th from 9am – So whatever your borrowing needs, finance your next Come See The Chopper In Person 1pm. Bring your Wish List and have your picture loan with Credit Union of Georgia to take advantage of At The Following Branch Locations: made with Santa free of charge. our low rates and for a chance to win a 2007 Saxon In South Cobb September 15th – October 14th This event is for the first 50 Savasaurus Club Griffin Chopper at our 50th Anniversary Celebration! In Paulding October 15th – November 14th members who RSVP by Wednesday, December In Canton November 15th – December 14th Visit www.CUofGA.org for Chopper Giveaway Official In Towne Lake December 15th – January 14th 9th. Please leave your child’s name, account Contest Rules. number, and contact number so your reservation can be confirmed. *With approved credit. Some restrictions may apply. Promotion runs July 20, 2009 - March 20, 2010. The vehicle is a 2007 Saxon Griffin Chopper with less than 5,000 miles. Winner is responsible for all taxes, title fees, and licensing fees. If the winner is under 18 years of age, the vehicle must be licensed to the parent or legal guardian. Drawing to Please contact Stoney Savasaurus at win the Chopper will take place at Credit Union of Georgia’s 50th Anniversary Annual Meeting on March 25, 2010. Winner must take ownership of the vehicle at one of Credit Union of Georgia’s branch locations and sign proper documentation at time of delivery. Chopper will be awarded as is and will include no warranties expressed or implied. 678-322-2046 to reserve your spot to Member will receive one entry into the drawing for every approved and funded loan application of $10,000 or greater with a minimum of a $10,000 draw (if applicable) on True Lines of Credit, Home Equity Lines of Credit, or Visa® Credit Cards. Credit Card Balance Transfers applicable for this promotion, but must be an aggregate total of $10,000 or greater. meet Santa today! Promotion valid on all Credit Union of Georgia loan products with an aggregate finance amount of $10,000 or more with the exclusion of 1st Home Mortgages. There is no limit to the number of entries per member, however member must finance and draw (if applicable) a minimum of $10,000 per entry. Winner must be a member of Credit Union of Georgia in good standing. Promotion not valid on current Credit Union of Georgia loans. Credit Union of Georgia employees, Board Members, and immediate family members are not eligible for entry. Official Rules can be found at www.CUofGA.org. Sign Up For FREE eStatements Today And Receive $5.00 and a Chance to Win a New Netbook! With eStatements, you can view your account information and cleared Enabled” from the Select Statement Type drop down menu and enter checks online 24/7! This great service provides you with a secure way to you email address in the space provided. Then simply click “Continue” maintain your financial records, while eliminating the piling up of paper and begin receiving your statements electronically. Once you’ve signed statements in your home. With eStatements, you can view up to 18 up, you will receive a $5.00 automatic deposit into your Share Savings months of cleared checks and account history once you enroll. And the Account and automatic entry into the drawing to win a new Netbook! best part…It’s absolutely FREE! Viewing your eStatement is easy! You will receive an email at the Once you have registered to receive eStatements instead of paper beginning of each month informing you when your eStatement is statements, you will receive an automatic $5.00 deposit into your Share available to view. Simply login to eBranch, select “eStatement” from Savings Account and you’ll be entered into a drawing to win a new the option list on the left and choose “eStatement” from the drop down Netbook that will be awarded by drawing on December 18, 2009! menu and enjoy the convenience of eStatements! To sign up for eStatements today, simply sign in to eBranch, select For more information on becoming an eStatement user or If you need “eStatement” from the option list on the left and choose “eStatement assistance with eStatement enrollment, contact our MAPS department Preferences”. From the eStatement Preferences Page, select “eStatement at 678-486-1111 or visit any branch location. *Employees and officials and their immediate family are not eligible to participate. To qualify, members who enroll in eStatements during the promotional period must be registering for eStatements for the first time. Limit one entry per account number. Promotional period to receive a $5.00 automatic deposit runs October 1 – December 31, 2009. Promotional period to receive entry into the drawing to win a new Netbook runs October 1 – December 15, 2009. Members who enroll in eStatements during the promotional period will be entered in a drawing to win a new Netbook; drawing will take place December 18, 2009. Winner will be notified via phone. Reward Yourself! Be Part of The Crowd… Earn Double Rewards Points Sign Up for our eServices and on Your Visa® Debit Card! Join Over 11,000 Happy Users Now through December 31, 2009, you can earn Plus You’ll Receive a REALLY COOL New Tote! double Rewards Points when you use your Credit Sign up for all four of our FREE eServices: eBranch, ePay, eStatements, and eAlerts, Union of Georgia Visa® Debit Card with Rewards and pick up a COOL Credit Union of Georgia Shopping Tote Bag at any of our 6 for purchases, select “Credit”, and sign your receipt. convenient branch locations. Already signed up? Let us know and visit any branch Earning double Rewards Points means that you’ll earn location to receive your free tote bag. 2 points for every $2 you spend! *Limit one shopping bag per member account. Quantities are limited and are available on a first come, first serve basis. As always, points earned using your Credit Union of Georgia Visa® Debit Card with Rewards can be combined with points earned using your Credit Union Order Your 2009 Check of Georgia Visa® Platinum Credit Card with Rewards to maximize your earnings. Plus, points can also be householded with other cards in your home. Rewards Points can be redeemed at Image CD Today www.scorecardrewards.com for many great gifts, including: Available Until December 15, 2009 • iTunes® Gift Cards Sign up today to receive your 2009 cancelled check images on CD for just $14, including shipping and • Electronics handling to your home. All of your cancelled checks from 2009 will be mailed to you on CD for easy access • Sporting Goods and record keeping. The CD with your cancelled check images will hold approximately 30,000 images, plus • Travel the software needed to view the images will automatically be loaded on the CD, making viewing easy. • And So Much More! To sign up to receive your 2009 Check Images CD, please visit www.CUofGA.org and register no later So, next time you’re swiping your Visa® Debit Card than December 15, 2009. Your account will be automatically debited the $14 cost and you will receive the for groceries, gas, dinner, or practically anything else, CD within the first 4-6 weeks in 2010. If you have any questions about this service, please contact our MAPS remember to select “Credit” and sign your receipt to department at 678-486-1111. rack up the rewards. To learn more about the Rewards Points Program or to apply for a Credit Union of Georgia Visa® Debit Card with Rewards, visit us at www.CUofGA.org or contact our MAPS department at 678-486-1111. Credit Union of Georgia *To earn Double Rewards Points on Credit Union of Georgia Visa Debit Cards ® with Rewards, members must select CREDIT and sign for their transaction. Prior to promotional period, members received 1 point for every $2 spent when CREDIT Visa® Gift Cards was pressed. August 1, 2009 - December 31, 2009 members with a Credit Union of Georgia Visa® Debit Card with Rewards will receive 2 points for every $2 they Everybody Has Somebody That is Hard to Buy For… spend when they press CREDIT. Rewards Points expire 36 months from the date of accrual. Program, terms, and conditions subject to change. Worried about finding the perfect gift for your family, This includes a personalized message to your friends, and co-workers this holiday season? Credit recipient embossed on the card along with the Union of Georgia Visa® Gift Cards are your solution! recipient’s name. The Credit Union of Georgia Visa® Option 2: You can purchase your Visa® Gift Gift Card is a prepaid card Important Information Regarding that can be used most Card in the branch for only $3.00. American Express Travelers and everywhere Visa® debit Recipients of your Credit Union of Gift Cheques® cards are accepted, Georgia Visa® Gift Cards, when including retail stores and purchased in the branch, can use As of October 1, 2009, Credit online merchants. their card immediately because their Union of Georgia no longer offers gift cards will be activated when American Express Travelers Credit Union of Georgia purchased. If purchased via the web, Cheques® or American Express Visa® Gift Cards are the card must be activated by the card Gift Cheques®. an ideal choice for the recipient. The Visa® Gift card can be holidays because you can As an even better alternative, members may replaced if lost or stolen.** And it offers choose from a variety of fun, purchase prepaid Visa® Gift Cards for their traveling all the other protection and security features festive card designs to please and gift giving needs. Visa® Gift Cards offer great you’ve come to expect from Visa®. anyone. Best of all, the recipients of the cards can use convenience because they are accepted practically them to buy what they want, when they want. Call us at 678-486-1111 or visit any branch for anywhere you see the Visa® logo and offer all the more details! protection and security features you’ve come to Credit Union of Georgia Visa Gift Cards are available ® in dollar increments between $10.00 and $500.00. *Credit Union of Georgia Visa® Gift Cards cannot be authorized at a “pay expect from Visa®. at the pump” device. A $3.00 monthly maintenance fee will be charged for You have two simple options for getting your Credit each month you have a balance remaining on the card. This fee is waived For more information or to purchase Union of Georgia Visa® Gift Cards. the first nine months after the card imprint date. Gift Cards expire two Credit Union of Georgia Visa® Gift Cards, years from date of issue. visit us at www.CUofGA.org Option 1: You can order your Visa® Gift Card online **Certain restrictions, limitations, and exclusions apply. Covers U.S.-issued at www.CUofGA.org for only $6.00 (plus shipping). cards only. Visa’s® Zero Liability policy does not apply to commercial card or stop by any branch location. or ATM transactions, or to PIN transactions not processed by Visa®. 2 Join us for Member Appreciation Week as we We celebrate…YOU! We will be hosting Member Appreciation Week festivities on the following dates: October 13th @ Canton, Paulding, & South Cobb October 14th @ Marietta Our Members! October 15th @ Towne Lake October 16th @ KSU Card Act of 2009 Ready…Set… Notice for Credit Union of Georgia Members with Loans Skip-A-Payment! You have probably heard on the television or radio any changes or complete any forms; the change Are your holiday plans getting put aside because of news that there have been some recent changes to will be automatic. worrying about your bills? Credit Union of Georgia how credit cards and open-end loans will be handled in is here to help put you back in the holiday spirit! We In addition, loan notices will be mailed out to ensure the future. To keep you up-to-date on how Credit Union would like to offer you the opportunity to skip your that you receive a notification 21 days prior to your of Georgia is complying with these regulatory changes, loan payment during the month of December. You due date. Our current periodic statements will also here is some helpful information. can skip your Personal or Vehicle Loan payment.* To serve as an additional reminder of your due date. The CARD Act requires periodic statements to be take advantage of this offer, simply visit any branch eStatement members will receive periodic location or contact our MAPS (Mail and Phone Service) mailed to members at least 21 days before their loan notices via email. If you would like to become an department at 678-486-1111 and tell them you would payment is due. To comply with this requirement, eStatement member and receive your periodic like to skip your December loan payment. continue to provide competitive loan and saving notices by email, please sign up for our FREE rates, and minimize the cost to the credit union, Credit Union of Georgia has shifted loans with loan due dates eStatement service at www.CUofGA.org. Have a great holiday season from your for some members. If your due date has been shifted, For any questions or concerns regarding CARD Act friends at Credit Union of Georgia! you should have received a letter notifying you of the regulations or your Credit Union of Georgia loan, *Skip-A-Payment is not valid on Real Estate Loans or Visa® Credit Cards. change in the mail. You will not be required to make please feel free to contact us at 678-486-1111 or Subject to credit approval. visit any branch location. Would You Like to Follow Retirement, Insurance & Investments Your Credit Union on from a Trusted Partner Facebook and Twitter? A Message from CU of GA Financial Services Let Us Know! Trust is everything— Some of the products and services Log onto www.CUofGA.org today, especially when it comes available include: take our Member Satisfaction Survey, to your insurance and and let us know how we’re doing • Retirement Planning investments. That’s why and if you’d like to see Credit Union of • Wealth Management we are honored to have Georgia on Facebook and Twitter. The • Education Funding been chosen by Credit survey is easy, secure, and only takes a couple of minutes • Mutual Funds Union of Georgia as the to complete. And once you’ve taken the survey, you’ll • 401(k) / Pension Rollovers financial services partner automatically be entered into the monthly drawing to win • Life Insurance to serve the needs of a $25 Credit Union of Georgia Visa® Gift Card! Sam Davis • Long-term Care Insurance members like you. • Tax-managed Investing* Designed exclusively for credit union members, As a trusted partner of Credit Union of Georgia, CU and located right here at the credit union, CU of of GA Financial Services works in cooperation with Beginning January 1, 2010 GA Financial Services is a full-service financial your credit union. Therefore, we understand the advisory program. We provide retirement, importance of serving you. We’re affiliated with If you have a Share Account with Credit Union insurance and investment services to members CUNA Mutual Group, a family of companies owned of Georgia, other than your Membership Share like you. We’re here to help you and your family by and dedicated to credit unions and their members Savings Account and the account becomes inactive through a lifetime of financial planning needs—from for the past 125 years. Be assured your financial by maintaining a $0.00 balance for 180 days or those just starting a savings plan, to those with advisor will serve you with the same personalized longer, this account will be closed. If you wish to sizable assets looking for more sophisticated attention you’ve come to expect from your credit keep these accounts opened, simply maintain a management tools. union. Call Sam Davis today at 678-322-2241 for balance in the accounts and keep the accounts a no-cost, no-obligation appointment. active by regularly making deposits into or making withdrawals from the account. *Representatives are not tax advisors. For more information regarding your specific tax situation, please consult a tax professional. Representatives are registered, securities are sold, and investment If you have any questions or concerns regarding advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a how you may be affected by this change, please registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve contact our MAPS department at 678-486-1111. investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. 3 Announcements Community COR Library Donation Made to New Summer N DATES CLOSED School in Cherokee County Sweepstakes Winner E Columbus Day October 12, 2009 Christmas Eve Credit Union Closes at 1pm Cherokee County Congratulations to Ms. Rhonda Blakely, this R Schools opened a new year’s lucky winner of the $100.00 Cash Prize Veterans’ Day November 11, 2009 Christmas Day Middle School this awarded December 25, 2009 year in the Woodstock in this year’s Thanksgiving Holiday area. Pictured to the ePay Summer November 26 – 27, 2009 New Year’s Day left (from left to right) is Sweepstakes. January 1, 2010 Rebecca Cooper, Ms. Blakely, STAFF TRAINING Director of Business Development with Credit Union pictured left of Georgia, Kim Cochran, Cherokee County with Marketing Credit Union of Georgia Branch Locations, Drive-Thru Services, and the MAPS School District Board member, Janet Read, Department Department will open at 10:30 on Wednesday, Cherokee County School District Board Member, Representative, April Starratt, found out that it November 4, 2009 after Staff Training. Elaine Daniel, Principal Mill Creek Middle pays to ePay and picked up her cool $100.00 at School, Kathy Bouyett, Business Development the Credit Union’s Paulding County branch location TELL US HOW WE’RE DOING! Representative with Credit Union of Georgia, and in September. Dr. Frank Petruzielo, Superintendent of Cherokee Log on to www.CUofGA.org and ﬁll out our County Schools accepting a donation of $500 and a online Member Satisfaction Survey. You could plaque for the Media Center. win a $25.00 Visa® Gift Card! Credit Union Supports A DAY at Reinhardt College Marietta City Nutrition In-Service Credit Union of Georgia is a Nearly 100 service proud supporter employees gathered for of the A DAY breakfast and training for Reinhardt as they prepared for campaign, an the upcoming school annual effort to year. Groups had a chance to 678-486-1111 break-out and visit the Credit provide support 1-877-590-6226 (toll-free) Union of Georgia table to hear about the products, services for Cherokee County students attending Reinhardt College. Reinhardt College president, Dr. Thomas www.CUofGA.org and special promotions taking place as well as pick up Isherwood is pictured with Kathy Bouyett some promotional goodies. Pictured from left to right are Canton Branch and Rebecca Cooper, with the Credit Union’s Rebecca Cooper, Credit Union of Georgia, Tina Ingall, 535 Riverstone Parkway Business Development Department and Rick Sandy Laffan, Pat Davidson, Marian Freeman, Canton, GA 30114 Whiteside of Waleska. and Sherry Douglas, of Marietta City Schools Nutrition and Jennifer Walters with the Credit Union’s Business KSU Branch Development Department. 3333 Busbee Drive Credit Union Recognizes Marietta Kennesaw, GA 30144 City Schools’ Dr. Tim Brown KSU Bazaar on Marietta Branch Our congratulations go to Dr. Brown, Assistant 69 South Avenue the Bricks Principal of Marietta Marietta, GA 30060 High School, Despite an afternoon who was named shower, several Paulding Branch Outstanding Career hundred students 4075 Marietta Highway and Technical came out to visit Dallas, GA 30157 Educator of the with the many Year by Trade South Cobb Branch vendors set up on “The Bricks” at KSU. Students had and Industrial 3565 Austell Road an opportunity to learn about the products and Educators of Marietta, GA 30008 services offered by the Credit Union and take a Georgia. Dr. Brown shot at the spin wheel to win a great prize. is pictured with Credit Union Business Development Towne Lake Branch Kathy Bouyett, Business Development Representative Jennifer Walters, who presented 3048 Eagle Drive Representative stayed dry under the him with a hand-made gift basket, ﬁlled with tasty Woodstock, GA 30189 Credit Union of Georgia tent with treats, educational items, and a gift card. students from KSU! To ensure that the credit union is receiving your correspondence and payments in a timely manner, please make sure you are sending all mail to Credit Union of Georgia at the following address: Mailing Address: P.O. Box 2148, Woodstock, GA 30188 -1375 $100 ePay 4 We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.