Cinco de Mayo Celebration by vvq21088

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									       816-842-0727                                                                                                              centralcommunications.org

                                                  Membership, Ownership, Financial Security

                                      Savings and Investment Rates                                         Effective April 1, 2010
                                                                                                                                                                                        CENTRAL COMMUNICATIONS CREDIT UNION                                                                                         2ND QUARTER 2010
                                                              Regular Shares and Club Accounts
                                           Account Balance                             Rate               Annual Percentage Yield
                                                                                                                                                                                                    Meet the Staff
                                           $25.00 +                                    0.50%
                                                                          IRA Share Accounts
                                                                                                                  0.50%
                                                                                                                                                                                                        Main Branch
                                                                                                                                                                                                                                          Cinco de Mayo Celebration
                                           Account Balance                             Rate               Annual Percentage Yield                                                                 17811 East U.S. Highway 40              Can’t Miss—Onsite Auto, Motorcycle & ATV Sale!
                                           $25.00 - $99.99                             0.00%                        0.00%                                                                       Independence, MO 64055-5406               Rates As Low As 3.75% Apr*
                                           100.00 - 9,999.99                           0.65                         0.65                                                                              Fax 816-472-4912
                                           10,000 +                                    0.75                         0.75                                                                                                                  When: Wednesday, May 5, 2010 from 11:00 a.m. to 6:00 p.m.
                                                                                                                                                                                                        President      Phil Weber
                      The above rates reflect dividends declared by the Board of Directors for the quarter ending December 31, 2009 and payable on                                               Office Manager        Sharri Wardlow     Where: Independence Location, 17811 E. U.S. Highway 40
                      December 31, 2009. Dividends are paid from day of deposit to day of withdrawal, as long as the account is open at each quarter end.
                                                                                                                                                                                       Bus. Development Officer        Angela Thomas
                                                                                                                                                                                                                                          Central Communications Credit Union has teamed up with Enterprise Car Sales,
                                                     Regular and IRA Share Certificates of Deposit                                                                                           Collection Manager        Patricia Franks
                                                                                                                                                                                                    Loan Officer       IIona Allen        Donnell’s Motorcycles, and Auto Direct to make your buying experience easy and
                                     Term                          Min Balance                    Rate           Annual Percentage Yield
                                                                                                                                                                                           Member Service Rep.         Darian Jefferson   affordable. Call for pre-approval through Central Communications Credit Union.
                                     90 Days                      $10,000                         0.74%                      0.75%                                                             Title & Insurance       Nancy Brown        We’ll have dedicated Onsite Auto & Motorcycle consultants readily available to
                                     Six Months                   $500                            0.89                       0.90                                                                    Accountant        John Platt         answer questions.
                                     One Year                     $500                            1.49                       1.50                                                                  Card Services       Nancy Cabrini
                                     Two Years                    $500                            1.73                       1.75
                                     Thirty Months                $500                            1.98                       2.00
                                                                                                                                                                                                                                                                                 Spin the Prize Wheel…
                                     Three Years                  $500                            2.13                       2.15
                                                                                                                                                                                                    Northland Branch                                                             …when you purchase one of our onsite vehicles or
                                     Five Years                   $500                            2.47                       2.50                                                                  5090 North Oak Trafficway                                                     motorcycles with CCCU financing, or if you apply
                                                                                                                                                                                                    Kansas City, MO 64118
                                      Interest is compounded at the end of each calendar quarter and posted on the last day of the quarter.                                                                                                                                      for a loan during the event.
                                                                                                                                                                                                      Fax 816-455-0883
              Money Market Share Account                                                                        Dividend Bearing Checking Account                                                 Loan Officer        Patty Fetters                                              Blue Book Trade-In Value Plus…
                                                                                                                                                                                           Member Service Rep.       Christa Garza
    Account Balance                Rate              Annual Percentage Yield                         Account Balance                 Rate           Annual Percentage Yield                                                                                                      …trade in your vehicle for an Enterprise used auto
   $0.00 - $999.99                 0.00%                        0.00%                                $0.00 - $499.99                 0.00%                     0.00%                                                                                                             purchase and receive Blue Book trade-in-value
                                                                                                                                                                                                    Downtown Branch
   1000.00 +                       0.996                        1.00                                 500.00 + +                      0.50                      0.50                                                                                                              and $750.00, with CCCU financing.
                                                                                                                                                                                                   3101 Broadway, Suite 140
   Interest is paid from day of deposit to day of withdrawal, as long as a minimum                   Interest is paid from day of deposit to day of withdrawal, as long as a minimum               Broadway Summit Building
   balance of $1,000 is maintained. Interest is paid monthly on the last day of each                 balance of $500 is maintained. Interest is paid monthly on the last day of each                                                                                             Let Someone Else Make your First Payment…
   month, and the rate may change monthly.                                                           month, and the rate may change monthly.                                                      Kansas City, MO 64111-2659
                                                                                                                                                                                                       Fax 816-733-2315                                                          …Auto Direct will be on hand to talk about their
                                                                                                                                                                                                Branch Manager         Fran Love
                                                                                                                                                                                                                                                                                 special promotion with CCCU, starting April 1
                                                                      All rates, terms and fees are subject to change without
                                                                      notice. Contact CCCU for complete details.                                                                                   Loan Officer        Connie Dodson                                             and continuing through May 31.
                                                                                                                                  LENDER




                                                                                                                                                                                                    Board of Directors                                                                                                       Eat, drink
                                                                                                                                                                                                      Chairman         Don Cooper                                                                                             and get a
                                                                                                                                                                                                 Vice Chairman         Ray Collins
Character Plus Trait of the Month—                                              PERSEVERANCE: to continue trying in spite of difficulties.                                                   Secretary/Treasurer       Gary Gressel
                                                                                                                                                                                                                                                                                                                             great deal!

                                                                                                                                                                                                     Jim Adkins       Frank Smock
                                                                                                                                                                                                        Joe Rice      Kirk Welsh          *Rates are based on credit history and proof of income required. Rates are subject to change without notice.

                                                                                                                                                                                                Supervisory Committee
         Holiday Closings                                                        Sign up for                                                                                                         Chairman       Dennis Martin
                                                                                                                                                                                                                                                           th
                                                                                                                                                                                                                                             76Annual
                                                                                                                                                                                                                                                                                           Monday, April 26, 2010 at 6 pm
                May 31, 2010                                                     E-Statements!                                                                                                           Dorothy Drone
                                                                                                                                                                                                                                                                                           CCCU’s Independence Location
                Memorial Day
                                                                                                                                                                                                                                                                                           17811 E. U.S Highway 40
                July 5, 2010                                                                                                                                                                                                                           Meeting                             At the annual meeting we will be
                Independence Day                                                                                                Safer than your mailbox.                                Membership, Ownership, Financial Security                                                          electing two Board Members. All
                                                                                                                                Sign up online!                                                        816-842-0727                                                                        members are invited to attend!
                                                                                                                                                                                                  Toll Free 800-254-1535
centralcommunications.org                                                                                                                                                              centralcommunications.org
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                                                                     Independence Expo and                                                                                                                                    Congratulations…
        From the President                                            Northland Business Fair                                    IRA CONTRIBUTION DEADLINE
                                  Spring is finally here! The time    Judy Porter, from The Fine                                The 2009 IRA contribution deadline is Thursday April 15, 2010. You can
                                  has arrived for outdoor                                                                       contribute to an existing IRA or open an IRA with CCCU by April 15, 2010
                                                                      Tooners, draws caricatures for
                                  activities and yard work as we                                                                and possibly take an IRA tax deduction on your 2009 tax return.
                                                                      members and potential members
                                  take advantage of the warmer
                                                                      at the Independence Expo and                              An IRA is a great way to save for retirement. According to IRS rules,
                                  weather. The time is right for
                                                                      Northland Business Fair.                                  contributions to an IRA are made from earned income each year. The 2009
                                  spring cleaning, which includes
                                                                                                                                IRA contribution limit is a maximum of $5,000. If you are 50 years old, or
                                  your finances, so take
                                                                                                                                older, your annual contribution limit is $6,000. You can make your 2009
                                  advantage of your credit union
                                                                                                                                IRA contribution limit through April 15, 2010.
                                  membership and get your
                                  finances in order. The time is                                                                Traditional IRA
                                  now to “Move Your Money”                                                                      Who can contribute?                                                                             …to Thomas Rottinghaus for signing
 and other financial services from the bank to your friendly                                                                                                                                                                    up for CU Online and winning the
                                                                                                                                Anyone under age 70 1/2 who earns compensation (or who is filing jointly
 Central Communications Credit Union. Please check with us                                                                                                                                                                      second $100 in our “Everybody
                                                                                                                                with a spouse who earns compensation)
 to see if we can get you a lower rate and save you money on
                                                                                                                                                                                                                                Wins! Membership Drive.”
 your existing loans at other financial institutions. We offer                                                                  Contributions cannot exceed compensation.
 most of the services the “big banks” do only at a lower cost                                                                   Tax benefits
 and fewer fees. If you don’t like what they’ve done over the
 past 2 years, now is the time to move your money and your
                                                                                                                                Many people can deduct contributions on their tax returns.                                     Congratulations…
 business. Your family members are eligible for membership, as                                                                  All earnings are tax-deferred.
                                                                                                                                                                                                                                …to Zachary Stivers for winning
 well as any of your friends and coworkers living or working in                                                                 Taxable distributions of earnings are penalty-free for a first-time home                        the third $100 in our “Everybody
 Jackson or Clay Counties.                                                                                                      purchase,** certain higher-education expenses and large medical costs.                          Wins! Membership Drive.”
 We offer auto, signature, share secured, home equity and                National Credit Union Youth Week
 mortgage loans. Your loan requests can be handled over the                                                                     Roth IRA
 phone, fax or online. We are owned by our members and                                           April 19-24                    Who can contribute?
 focused on serving you.                                                 Get in the Savings Game With Your Credit Union!        Anyone who earns compensation (or who is
 All member deposits are Federally Insured to $250,000 by the                                                                   filing jointly with a spouse who earns                                                       On your 65th birthday, you’re eligible for
 NCUA so you can rest assured that Central Communications                Stop by the credit union the week of April 19-24 and   compensation) with income less than the                                                      Medicare. And, thanks to your credit union, you
 CU is a safe and secure place to keep our hard earned savings.          celebrate National Credit Union Youth Week with us!    limits set by congress. Check with a tax                                                      can receive expert, no-cost advice in choosing
 Stop by or call us to see if we can help save you some money!                                                                  professional for current income limits.                                                       the best Medicare choices for your personal
                                                                              Coloring Contest
                                                                                                                                Contributions cannot exceed compensation.                                                      situation.
                                                                              Games
                                                                                                                                Tax benefits                                                                                   That’s because your credit union has partnered
 Philip M. Weber, President                                                   Prizes                                            Contributions are non-deductable but                                                          with Humana (a company dedicated to serving
                                                                              Cookies and Punch                                 qualified distributions are tax free.                                                          Medicare needs) and CUNA Mutual Group (a
                                                                                                                                Taxable distributions of earnings are penalty-                                                 company dedicated to serving credit union
                                                                         Ten young savers will be selected nationwide to each
                                                                                                                                free for a first-time home purchase,** certain                                             member needs) to help you understand all your
                                                                         win $100.00!*                                          higher education expenses and large medical                                         Medicare options and make wise decisions.

                                        Play                             *Must be under age 18 to participate.                  costs.
                                                                                                                                                                                        Turning                     Even if it’s three months before or three months after your
                                                                                                                                                                                                                    65th birthday, call CUNA Mutual toll free today for:

                                         it                                                                                     For more information on IRAs stop by any
                                                                                                                                CCCU location and a CCCU representative                   65?                       A no-cost, no-obligation Medicare consultation with a
                                                                                                                                                                                                                    licensed, knowledgeable representative.
                                                                                                                                will be happy to help you!
                                        safe                                                                                    Information is not intended as tax advice. Please
                                                                                                                                                                                      Explore Your
                                                                                                                                                                                        Medicare
                                                                                                                                                                                                                            1-877-774-8570 (TTY 1-866-205-6207)
                                                                                                                                                                                                                              8 a.m. – 6 p.m., Monday – Thursday
          Thinking of taking out a loan? It can be a                                                                            consult a tax professional.                                                                       8 a.m. – 5 p.m., Friday, CST
          financial gamble because…life happens.
                                                                                                                                                                                      Options With
                                                                                                                                *List not all-inclusive.
          Payment Protection is a voluntary loan-                                                                               **Lifetime limit for exemption on a first-time          Experts.                      To enroll in Medicare online, or for more information,
                                                                                                                                                                                                                              visit: www.creditunionhealthcare.com
          payment protection product that helps                                                                                   home purchase is $10,000 per person.
          preserve your family’s standard of living.                                                                                                                                The Humana family has HMO, PPO, and PFFS plans with a Medicare contract. Enrollment period
          Ask about protecting your loans today!                                                                                                                                    restrictions apply, call Humana for details: Toll-free 1-800-457-4708 (TTY 1-877-833-4486)
                                                                                                                                                                                    8 a.m. – 8 p.m., seven days a week. There is no obligation to enroll.


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