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SOLUTIONS Winter 2005-2006
Identity Theft Solutions Want to know your credit score?
How secure is your personal information Emery can help!
against identity theft? To find out, answer Yes
With the growing number of Identity theft
or No to the following questions:
cases and the increasingly popular use of credit
1. I shred all pre-approved credit offers, ac- scores by employers, insurance companies and
count statements and financial documents utility companies, you are taking a big risk by
before disposing of them. not checking your score at least once a year.
2. I never carry my Social Security card. For a limited time Emery is offering you the
3. I have a locked, secured mailbox. opportunity to get your credit score and talk with
4. My Social Security and driver license num- a loan officer about what it means to your finan-
bers are not printed on my checks. cial well being. To get your score, complete the
5. I review each of my credit reports annually. enclosed application and return to:
6. I only carry those credit cards that I use.
7. I carefully review my monthly credit card Loan Department
statements before paying them. Emery Federal Credit Union
8. When shopping on the internet, I buy only PO Box 498967
from secure websites. Cincinnati, OH 45249.
9. I am aware of all my creditor due dates and You may also fax the completed form to 513-
know immediately if a bill is missing. 489-3231. There will be a $10 charge for the
10. I know the security procedures at my place credit score and consultation. Please call 513-
of work. 530-9351 ext. 2 or 800-553-5513 ext. 2 with any
11. I never reveal personal information unless I questions.
initiated the contact and know exactly who
I’m dealing with.
12. I have up-to-date virus protection software Ways to Save Money
installed on my computer. Set your thermostat to 64, and turn it down
13. I never store personal and financial informa- to 60 at night
tion on my laptop. Use coupons at the grocery store
14. I know exactly what to do and who to con- Carpool
tact in case my wallet is stolen. Ask for generic prescriptions instead of
15. I have complete copies of all my credit cards brand names
stored in a safe place. Always grocery shop with a list
16. All of my account passwords are too compli-
Quit smoking
cated for anyone to guess.
Buy old furniture at yard sales and refinish it
yourself.
For maximum identity theft prevention, all of the Shop in thrift stores
answers should be Yes. Have a few (or more) Avoid using your ATM/Debit card at ma-
No’s? Read the next issue of Solutions for
chines that charge a fee.
safety measures.
Never grocery shop hungry.
PAGE 2 SOLUTIONS
A WORD FROM OUR CEO . . . Joe Lind
With the end of another year To the Staff of our Credit Union. Thanks for
we have plenty to be thankful your support and dedication to our Members.
for and to reflect on. The service that you provide our Members is
The Credit Union would like second to none
to thank our members who To our Board of Directors. Thanks for support-
donated to The American Red ing our programs and providing the guidance
Cross for the Katrina victims. which allows us to grow and better serve our
Your support and caring for Members, who are the backbone of our organi-
the many families is wel- zation.
comed and shows the true I hope that you and your family had a very
Credit Union Spirit of “People Helping People”. Merry Christmas and we at the Credit Union
Thanks to our Armed Forces and their families wish you and yours a Happy, Healthy and Pros-
for protecting our great country. For without perous New Year.
them we would not have the ability to live in a Remember it’s YOUR Credit Union.
“free” country.
To our “Members” for your continued support.
Without you we would not have a Credit Union. What can we do for you today?
Skip A Pay
Have you moved?
If you’ve moved and haven’t let us know, It’s not too late to
it could be costing you $5.00 each time your
statement is returned to the
sign up to skip a
Credit Union. We charge your account payment in January.
$5.00 for returned mail.
Call one of our offices and
make arrangements.
SCHOLARSHIPS
We are offering three $1,000 and two $500
WELCOME scholarships to members who plan to attend, or
are attending a two or four-year college as a full
We would like to welcome employees of the time student. Deadline for returning the com-
following companies to our Credit Union Family pleted application is April 30, 2006.
FlexTex Packaging We also have applications for $1,000 scholar-
ships offered by the Cincinnati Chapter of the
All for Kids Daycare Ohio Credit Union League. Completed applica-
Cagney Weisker & tions must be postmarked no later than February
Associates Realtors 10, 2006.
To request an application, please call one of
Federated Land Title our offices. Or you can call Joyce Gampfer di-
Grote Enterprises, LLC rect at 513-247-6252 or e-mail to
Jgampfer@emeryfcu.org
SOLUTIONS PAGE 3
STEVEN M. SPROVACH, Senior V.P.
The Financial Network Group, Ltd.
As the calendar approaches the turning of another year, it is human nature to evaluate our lives dur-
ing the old year and resolve to make changes for the better in the new. In fact, there is almost al-
ways a financial component to our new goals and it usually involves getting control of our credit card
debt or saving more for our children’s college or our retirement. While these are certainly admirable
and important resolutions, they may require a major lifestyle change which is easier said than done.
We think you should start with some basic strategies that do not require any major changes on
your part and may have a dramatic impact on your long term financial success.
Start by establishing an asset allocation* strategy that examines all of your investment assets that
have the same goal (i.e. retirement) as one nest egg. Further, this will assure that all the compo-
nents are working together rather than being treated separately. Asset allocation starts with a com-
fortable ratio of equities and fixed income investments which allow you to have confidence in your
investments and keep you on track to help attain your goals.
Once the broad asset allocation strategy is in place, it is critically important to review and re-
balance your portfolio on a regular basis. Every six months may be a good target for this process.
Please call The Financial Network Group, Ltd. at 513-469-7500 for your complimentary portfolio
evaluation.
*Investors need to be aware that no investment plan/asset allocation can eliminate the risk of fluctuating prices and uncertain returns.
* Securities related products and services made available through The Financial Network Group, Ltd. (FNG) are offered by Royal Alli-
ance Associates, Inc., an independent registered broker-dealer, member NASD, SIPC, not affiliated with the Credit Union or CUSO,
its affiliates, divisions or subsidiaries. Securities are not obligations of nor guaranteed by the Credit Union or CUSO, are not insured
by the NCUA or any other government agency and may involve risk to principal.
HOME BANKING SERVICES
Turn your computer into a Credit Union Branch Office with 24 hours a day, 7 days a week
access to your account through Emery FCU’s Home Banking Services.
C..U.B.E. Electronic Bill Pay E-Statements
Home Banking
Set payments for recurring Receive your statement by
Check balances on all your bills on a weekly, biweekly, the 1st business day of the
accounts including loans, monthly, semimonthly, month and keep your finan-
CD’s and VISA credit card. quarterly, semiannually or cial information out of the
View and print cancelled annual schedule hands of mail stealing iden-
checks free Pay an unlimited number of tity thieves.
Transfer funds between bills each month free Your statement is e-mailed
your Emery Accounts View detailed payment his- in a password protected
Download statement his- tory for all of the bills you pdf for extra security.
tory to Quicken or Microsoft pay Your newsletter will also be
Money. Visit our Bill Pay demo at
www.mycubpdemo.com to
All this FREE. . .with immedi- see how easy going elec-
ate access to your accounts at tronic can be.
your convenience. Free
PAGE 4 E-MAIL ADDRESSES S OL UT I O NS
Emery FCU info@emeryfcu.org
Loan Department loandept@emeryfcu.org
Joe Lind, CEO jlind@emeryfcu.org
Joyce Gampfer, Admin. Asst jgampfer@emeryfcu.org
Terri Brockman, VP, Acctg Svcs tbrockman@emeryfcu.org
Andrew Hollar, VP Lending Svcs ahollar@emeryfcu.org
Beatrice Rudolph, VP Member Svcs brudolph@emeryfcu.org
Paula Ozolins, Branch Mgr, Este pozolins@emeryfcu.org
Susan Stroup, Branch Mgr, Senco sstroup@emeryfcu.org
Sharon Haney, Branch Mgr, P&G shaney@emeryfcu.org
Cheryl Kalous, Branch Mgr, Kemper ckalous@emeryfcu.org
Wade Highlander, Collections whighlander@emeryfcu.org
Denis O’Shaughnessy, Bus. Dev. doshaughnessy@emeryfcu.org
Trina Tidwell, Loan Officer ttidwell@emeryfcu.org
Amie Hunsche, Branch Mgr, Glenway ahunschie@emeryfcu.org
John Wagner, President EFS, Inc. jwagner@emeryfcu.org
Bob Zelina, Mortgage Loan Officer bzelina@emeryfcu.org
Administrative Offices & Kemper Branch P &G Branch
7890 East Kemper Road 5400 Vine Street
Cincinnati, OH 45249-1614 Cincinnati, OH 45217
Phone: 513-530-9351 - 800-553-5513 Phone: 513-641-2463
Fax: 513-530-9357 Fax: 513-641-1080
Hours: M, Tu, W, 8:00 am—4:30 pm
Hours: M, Tue, Wed, Thu 8:30 AM—5:30 PM Thursday 8:00 am—5:30 pm
Fri—Lobby 8:30 AM—5:30 PM Friday 7:30 am—5:30 pm
Drive Thru 8:30 AM—6:00 PM
Sat 9:00 AM—1:00 PM Senco Employee Branch
Website: www.emeryfcu.org 8485 Broadwell Road
E-Mail: info@emeryfcu.org Cincinnati, OH 45244
Fax: 513-388-2939
Este Avenue Branch Op I - 513-388-2829
4900 Este Avenue, Building 57
Mon thru Thur 8:00 am - 5:00 pm
Cincinnati, OH 45232-1419
Friday 7:30 am - 4:30 pm
Phone: 513-242-4127 Op II - 513-388-3906
Fax: 513-242-4406 Monday & Friday 3:00 pm—5:00 pm
Hours: Mon, Tue, Wed 9:30 am—4:30 pm
Cincinnati Electronics Branch
Thursday 8:00 am—5:00 pm
(Employees Only)
Friday 8:00 am—5:30 pm
7500 Innovation Way
Credit Union Financial Center Mason, OH 45040-9699
Glenway Crossing Phone: 513-573-6517
5070 Glencrossing Way Fax: 513-573-6566
Cincinnati, OH 45238 Hours: Mon & Fri 9:00 AM—12:00 noon
Phone: 513-922-2786 Loan Center
Fax: 513-922-2807
513-243-5626 - 800-670-5626
Hours: Mon thru Fri 9:00 am - 6:00 pm Monday thru Friday 7:00 AM—9:00 PM
Saturday 9:00 am - 1:00 pm Saturday 9:00 AM—3:00 PM
HOLIDAY CLOSING - Monday, January 2 - New Years Day
Monday, January 16, Martin Luther King Day
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