visa credit card cashback by rickman3


									                                                                                                                                   Spring 2008

                                                                                                          a publication of First Missouri Credit Union

                                           GO PLATINUM
                                           With The Cash Back VISA® Platinum Credit Card
                                           Stop carrying around credit cards with high           In addition, you’ll have the convenience of
                                           rates. Go platinum!                                   working locally with FMCU – not a large bank
                                                                                                 headquartered somewhere else. Make your
                                           The First Missouri Credit Union (FMCU) VISA           payments at a credit union branch,
                  in this issue            Platinum Credit Card has no teaser rates or other     and have your questions
                                           gimmicks. Check out all our card has to offer:        answered by our friendly
                  PAGE 2                                                                         staff.
                  FMCU Checking Is #1
                                                 • No Annual Fee
                                                 • Low Interest Rate                             Our cash-back VISA
                  82nd Annual Meeting            • No Hidden Fees                                Credit Card is the only
                  Is Fun And Informative         • No Surprise Rate Increases                    credit card you’ll ever
                  For All                        • And Now...CASH BACK REWARDS!                  need.

                  PAGE 3
                  Spring Car Sales
                  Events April 15-30       E-Statements Can Help
                  Atttend Our FREE
                  Seminar – How To
                                           Curb Identity Theft
                  Improve Your
                  Credit Score             Identity theft is a serious crime. It occurs when your personal information is stolen and used without
                                           your knowledge to commit fraud. It can cost you time, money, and ruin your credit.
                  Join Us For Member
                  Appreciation Day,        Many consumers are concerned about their personal information being stolen online. However,
                  Free Document
                                           90% of all identity thefts are “paper-based”…thieves gaining personal information by going
                                           through your trash, stealing your mail, etc.

                  First Missouri Donates   E-Statements can be a valuable tool in avoiding identity theft. You can review your account activity
                  To “Feed My People”      on a secure, online site, instead of having the information printed and mailed to you.
                  Apply For A FMCU                                                                             In addition, you won’t have to
                  Founder’s Grant
                                                                                                               wait for your mail to arrive
                                                                                                               before you review your monthly
                                                                                                               account activity. In most cases,
                  PAGE 4                                                                                       you’ll receive notice that your
                  Kids’ Corner
                                                                                                               statement is ready for review
                                                                                                               by the second day of the month.
                  Got Green?                                                                                   This can give you a head start
                  Grow It At FMCU!                                                                             on discovering any potential
                                                                                                               fraudulent activity.
                  Holiday Schedule
                                                   82nd Annual Meeting Is Fun And
Cost Savings                                             Informative For All
Makes FMCU                                More than 375 members and guests attended First Missouri Credit Union’s 82nd annual
                                          meeting, held February 27 at Andre’s Banquet Center. Those attending enjoyed a free
Checking #1                               dinner and prizes, received an update on the credit union’s successes, and elected
                                          volunteer board members.

                                          Local television reporter Tim Ezell of Fox 2 News served as guest speaker. A member for
                                          several years, he admitted this was the first time he had been asked to address a
                                          financial institution.

                                          “My wife won’t let me touch the checkbook,” said Ezell. “I was a journalism major, I only
                                          had to take one math class.”

Most people are looking for the           Board members Lynn Beauchaine, Tom Marval and Keith Suellentrop were re-elected to
same thing in a checking account          three-year terms. Thanks for making the annual meeting a success!
…convenience and saving money.

As a member of the credit union,
you can choose from three different
checking account options: our
economical E-Account, our
dividend-earning Interest Checking
or our Value Checking programs.

Each account is designed to provide
easy access:

• Free Debit and ATM Cards –
  both with surcharge-free access
  to over 25,000 ATMs worldwide
• Free BankIT, Online Banking
• Free PayIT, Online Bill Pay*
• Free E-Statements                       More than 375 members and guests attended the 82nd annual meeting of
                                          First Missouri Credit Union.
• Free Direct Deposit and Payroll
• Free 24-Hour Member Service
• Courtesy Pay (for qualified

No matter which account you
choose, you’ll also save money.
In fact, you can save up to $300
a year by having your checking
account at FMCU versus a bank,                                                                                           Local television reporter and First
according to and              Credit union president Steve Ogolin presented a plaque to board member Lynn   Missouri member Tim Ezell shared
                                           Beauchaine for serving as a credit union volunteer for more than 30 years.    stories about his career and his daily
several national surveys.
                                                                                                                         reports on Fox 2 News.
                                                                    A member celebrated
Visit, or stop                                       after his number was
by one of our branches, to                                             called during the prize
  learn more about your FMCU                                            drawing.
    checking options.

     * Free with E-Account or qualified
       Interest Checking Accounts.

                                                                               The annual
                                                                               meeting included
                                                                               a buffet dinner.
Spring Car Sales Events April 15-30
CULS Car Sale                                    Enterprise Car Sale

Locations: To view a list of participating       Location: To view a list of Enterprise
           dealerships, log on to                          Car Sales locations, log on to

          Visit any participating dealer and     Enterprise pre-owned vehicles must pass
              receive:                           a 109-point inspection in order to earn
                  • Special credit union         Enterprise’s Certified Rating. Enterprise
                     financing on new and        also offers a free 12-month, 12,000-mile
                     used vehicles
                  • Discount pricing on new
                                                 limited warranty.                                          First Missouri
                     and used cars
                  • Many factory rebates
                                                 In addition,from April 15-30, Enterprise will
                                                 make your first two monthly payments, up
                                                                                                            Donates To
                     that are available
                  • Incentives for credit
                                                 to $300 per payment*                                       “Feed My People”
                     union members only          * Some restrictions apply. See Enterprise for a complete
                                                 list of details.
                                                                                                            We are pleased to announce
                                                                                                            that FMCU donated 1,070
                                                                                                            pounds of food for “Feed My
                                                                                                            People.” Tenet Healthcare
                      ATTEND OUR FREE SEMINAR                                                               Foundation “matched” donations
                                                                                                            with $1 for every pound of food
                                                                                                            collected. This cash donation
       WHAT YOUR CREDIT SCORE                                                                               was used to purchase food for
                                                                                                            those in need.
           REALLY MEANS…
                                                                                                            Thanks to all our members who
     AND HOW YOU CAN IMPROVE IT                                                                             donated to “Feed My People.”

May 6, 2008                                      Join us for a FREE seminar with Suzanne
6:30 p.m. to 8:30 p.m.                           Zemelman Gellman, consumer economics                       Apply For
 Maryland Heights                                specialist from the University of Missouri
 Community Center                                Extension. You’ll learn                                    A FMCU
 2344 McKelvey Rd.
 Maryland Heights, MO 63043
                                                 • How your credit score can impact your life               Founder’s
                                                 • How to get a free annual credit report
Your credit report and credit score can affect   • How to read your credit report                           Grant
whether you can get a loan, and what rate        • Steps you can take to improve your
                                                   credit score                                             At FMCU, we care about our
you’ll pay. But it can also affect how much                                                                 community. As a way to give
you pay for insurance, your employment,          • And so much more!
                                                                                                            back, we are pleased to offer
even where you can live.                                                                                    our Founder’s Grant Program.
                                                 To register for the free seminar, call us or
                                                 stop by one of our branches.
                                                                                                            The grant is designed to promote
                                                                                                            thrift among our members,
                                                                                                            educate members in the prudent

Join Us For Member Appreciation Day,                                                                        use of money and credit, and
                                                                                                            improve the communities we
                                                                                                            serve. The maximum grant
Free Document Shredding                                                                                     amount awarded is $2,000.

                                                                                                            To be considered for a grant,
Mark your calendars for Saturday, May 3,          To help protect our members from identity
                                                                                                            please fill out the application on
and join us for our annual Member                 theft, FMCU is offering our members
                                                                                                            our Web site. Simply log on to
Appreciation Day at our Butler Hill Branch,       quarterly Shred Days.* This quarter, bring
                                                                                                   to get started.
4102 Midamerica Circle in South County.           your personal documents you would like
                                                  shredded to our Butler Hill branch between
From 9 a.m. to 1 p.m., there will be              Saturday, May 3 and Saturday, May 10, 2008.
refreshments, prize giveaways and the
chance to visit with friends – old and new!       *Limit 25 lbs.
                                                                                                                   Serves kids ages 12 and under

                                                                                                                                                           For kids ages 13 to 18

                                               First Missouri Credit Union has two savings programs for our younger members.
                                               To join, simply open an account with a minimum deposit of $25 and you’ll receive a
                                               cool welcoming gift. Or, if you already have a regular account with us, you can switch
                                               it to the youth club that is right for you!

          Holiday Schedule
          Our offices will be closed in
                                               Good Student Bonus
          observance of the following          Congratulations to our 20 Loot Troop Members and 9 Cool Cash Connection members who
          holidays:                            received a good student bonus for their A or B average report cards. FMCU was pleased to award
                                               a total of $111 to our hardworking students.
          Memorial Day
            Monday, May 26, 2008               Be sure to check your first-quarter statement for your bonus and see how much money you
                                               earned! As you start the new semester, remember to study hard – because good grades pay for
          Independence Day                     First Missouri Credit Union kids’ club members.
             Friday, July 4, 2008

                                                    Got Green? Grow It At FMCU!
                                                    FMCU is committed to helping young people build a strong financial foundation for their future.
                                                    That’s why the credit union is the place to be during National Credit Union Youth Week,
                                                    April 20-26, 2008.

                                                    If you're under 18, just deposit your green into your kids’ club account during Youth Week,
                                                    and you'll be part of the National Youth Saving Challenge. Ten young savers from credit
                                                    unions nationwide will each win $100.*

                                                    Check out these opportunities to grow your green:

                                                    • Deposit $25 or more into your Loot Troop or Cool Cash Connection account and be
                                                      entered into the national prize drawing*
                                                    • Complete a green coloring contest entry*
                                                    • Complete a financial puzzle challenge*
                                                    • Use our Butler Hill coin counter for FREE

                                                    Not a youth member? Not a problem. Open a kids’ club account during Youth Week
                                                    and receive a special joining gift.
                                                    * Odds of winning depend on number of entries received. See credit union for official rules.

                                          (314) 544-5050                Main Office                               Branch Office                              Credit Union
                                                                        1690 Lemay Ferry Rd.                      4102 Midamerica Circle                     Shared Branch
                                          24-Hour Member                St. Louis, MO 63125                       St. Louis, MO 63129                        locations:
                                          Service Hotline               Fax: (314) 544-1088                       Fax: (314) 487-9198
                                          (314) 579-0070                                                                                                     To locate a Shared
                                          (ID number 72#)               Lobby Hours:                              Lobby Hours:                               Branch near you, log
                                                                        Mon.-Thurs. ........9 a.m. - 5 p.m.       Mon.-Thurs. ........9 a.m. - 5 p.m.        onto
                                          Virtual Branch 24/7           Friday..................9 a.m. - 6 p.m.   Friday ............9 a.m. - 5:30 p.m.      and click on
                                          Internet Account Access                                                 Saturday ................9 a.m. - noon     “Convenience
                                                                        Drive Thru Hours:
                                                                        Mon.-Thurs. ..9 a.m. - 5:30 p.m.          Drive Thru Hours:
                                                                        Friday..................9 a.m. - 6 p.m.

                                                                                                                  Mon.-Fri. ........9 a.m. - 5:30 p.m.
                                                                                                                  Saturday ................9 a.m. - noon

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