Member Connection Member Connect by wanghonghx


                                                                           In This Issue:
                                                       Reg GG Notice to Members       Percussion Concussion
                                                                  Free Movie Night    Changes have Occurred in the Regulation CC
                        E-Statements-Green Thinking, Safe, Secure and a Free Lunch    JCFCU Credit Union Privacy Notice
                   The Savings Keep Growing for JCFCU Members Invest in America       Message From CEO

                                                                                     A publication of Jackson Community F.C.U.     Spring 2010      Vol. VII

                                                                                                                                   FREE MOVIE NIGHT
                                                                                                                                   MAY 15th – ANNIE!
                                                                                                                             The sun will come out tomorrow,
                                                                                                                             and so will this heartwarming
        Reg GG Notice to Members                                                                                             story of an orphan, her dog and
                                                                                                                             a whole cast of loveable and
                          Effective January 19, 2009 the U.S. Department of                                                  crazy characters. Our movie
                               the Treasury and the Federal Reserve Board have                                               nights have been big successes
                                   issued a final rule to implement applicable                                               and this one will
                                      provisions of the Unlawful Internet                                                    be even better.
                                        Gambling Enforcement Act of 2006.                                                    We will have
                                                                                                                             a contest for
                                            The Act prohibits any person engaged                                             the cutest little
                                             in the business of betting or wagering                                          Annie and a
                                              from knowingly accepting payments                                              singing contest.
                                              in connection with the participation                                           Winners
                                              of another person in “unlawful Internet                                        will receive
                                              gambling,” defined as “placing,                                                $50.00 in each
                                             receiving, or otherwise knowingly                                               category. As
                                            transmitting a bet or wager by any                                               usual we will
                                            means which involves the use, at least                                           have games, balloon tiers and
                                          in part of the Internet where such bet                                             a giveaway for the kids. Prizes
                                        or wager is unlawful under any Federal or                                            after the movie and a great night
                                      State law in the State or Tribal lands in which                                        of family fun. Get your tickets
                                   the bet or wager is initiated, received , or                                              from your favorite employee
                                otherwise made.                                                                              today for this great event!

E-Statements – Green Thinking, Safe, Secure and a Free Lunch
Green Thinking – Last year we produced over 73,000 sheets of statement paper to be mailed to our membership.
If you were to line up those pages end to end that would be nearly 13 miles of paper. Your credit union wants
to cut down on the number of sheets of paper we use. It will help the environment, save costs, make delivery of
your information more secure and get you a free lunch. JCFCU will buy your lunch, up to $5.00, if you sign up for
e-statements. We will also throw in a free CD to store your statements on when you download them.
Receiving your statement via e-statements is the most secure way to get them.
No live person handles your information, it is not put into the U.S. postal system,
and they can be saved onto your CD for storage outside of any network. If you
want security get your statements via e-statements.
It is easy to sign up, just stop in or call the credit union and we will get you
going, and get you a FREE LUNCH! Contact us at 517-787-0029, 1-800-988-7712,
                                The Savings Keep Growing for Jackson Community
                                  Credit Union Members with Invest in America
                        Jackson Community Federal Credit Union is proud to be a participant of Invest in America.
                       Invest in America is a membership enhancement program that offers our members discounts on
                      products and services provided by U.S. based companies. This partnership not only gives our
                      members valuable discounts, but it also increases sales for our participating companies and, on a
                     larger scale, helps stimulate the U.S. economy. Basically, Invest in America is a win‐win for everyone.
                    As a member of Jackson Community Federal Credit Union, you can receive the following money
                    saving discounts*:
Member Connection

                      •	 General Motors is making their Supplier Pricing available to members on most new GM vehicles.
                         This discount is on top of other current incentives.
                      •	 Chrysler Group LLC is offering Affiliate Rewards preferred pricing on most new Chrysler, Jeep,
                         Dodge or Ram Truck vehicles, saving you thousands. This discount is on top of other current
                      •	 Sprint has a 10% discount on personal wireless accounts and 15% off of business accounts. They
                         are also waiving application and upgrade fees and giving other substantial discounts on phones
                         and accessories.
                      •	 Allied is offering member discounts on local moving and storage and a minimum of 60% off of
                         out of state moves, plus deals on various other moving extras.
                      •	 FTD is giving members $15 off on flowers and gifts. You can choose from items like roses, Vera
                         Wang exclusive floral designs, spa sets, chocolates, wine baskets and so much more.
                      •	 CU Benefits Express has discounts ranging from 5% to 70% on medical and lifestyle products.
                         Medical services include dental care, vision care, medical supplies, mail order prescriptions and
                         more. Lifestyle services range from discounts on ID theft protection and a financial helpline to
                         legal services and participating fitness centers.
                      •	 Complete Tax, your complete tax solution, is a cost effective alternative to products like
                         TurboTax. Members get 30% off of the software, which is used by CPAs and tax professionals.
                    •	   Equity LifeStyle Properties brings the best in resort living and vacations to help you get out and
                         live the dream! With more than 300 resort destinations and award winning communities across
                         America, you can now receive exclusive discounts from owning your own American built
                         vacation home to exploring all the beautiful destinations our country offers in your RV.

                     Jackson Community Federal Credit Union is here to help our members save with respected U.S.
                     companies at a time when everyone needs it most. To learn more about Invest in America and any of
                      the above discounts, speak to a member representative or visit

                      *Details and restrictions on discounts from the following companies can be found at
             Chrysler Group LLC, General Motors, Sprint, Allied, FTD, CU Benefits
                       Express, ELS Properties and Complete Tax. Offers valid as of 1/1/10.

                         PERCUSSION CONCUSSION
                         Drum rrrrrrrrrrrrrrrrrrrroll please . . . CRASH, BOOM!
                          It may be spring, but it’s not thunder that you hear rolling around town. It’s The Jackson Percussion Concussion event for
                           the Muscular Dystrophy Association. This year, The Jackson Chapter of Credit Union’s, MDA and some of our local area
                            school drum lines have partnered together to help raise $5,000 towards worldwide research and comprehensive medical
                             advancements for neuromuscular diseases.
                              The Jackson Percussion Concussion event will take place in Lumen Christi High School’s gymnasium on Saturday, May
                               8th from 1 till 3 p.m. Tickets are $5 per person and can be purchased at any of the participating Jackson Chapter Credit
                               Unions. The Jackson Chapter of Credit Unions include: Aeroquip Credit Union, American 1 Federal Credit Union, CP
                                Federal Credit Union, EECU – A Community Credit Union, Jackson City County Credit Union, Jackson Community Federal
                                 Credit Union, and South Central Credit Union.

                                Feel free to contact any employee at 517-787-0029 or for additional information.
Your Funds are Now Available
Changes have occurred in the Regulation CC
Due to recent changes to Regulation CC, the funds availability policy that
governs your account has changed. Our policy is to make funds from your
cash and check deposits available to you by the first business day after the
day we receive your deposit. Longer delays may apply in certain cases and
for deposits made to new accounts. If you have questions about our funds
Availability Policy, please contact a credit union representative for more information.

                                                                                      JCFCU VISA Cards – We have
              Jackson Community Federal Credit Union
                                                                                      always been the best deal!
              your member owned financial institution is                              With so many changes
 committed to providing you financial products and                                    in the credit card world,
 services to meet your needs and reach your financial                                 payments, disclosures,
 goals. We are equally committed to protecting our                                    terms, and rates, we want
 members’ privacy. You can be confident that your                                     to remind you your credit
 financial privacy is a priority of this credit union. We are                         union has always been,
 required by law to give you this privacy notice to explain                           and will continue to be the best card
 how we collect, use and safeguard your personal financial                            you can ever have.
 information. If you have any questions, please contact a                             Low rates – 7.99% for Platinum
 member service representative at 517 787-0029.                                       Preferred 12.99% for Platinum
 Information We Collect About                                                         Rewards – Our Platinum Preferred card
 You And Disclose About You
 We collect nonpublic personal information about you
                                                                                      points never expire!
 from the following sources:                                                          Local Service – Make your payments

                                                                                                                                     Growing with You!
      	 Information we receive from you on membership                                and get answers right here at our offices!
           and loan applications and other forms;                                     Transfer Balance – This is a free service
      	 Information about your transactions with us or                               to pay off those pesky bank cards
           others;                                                                    Apply today for the best VISA card
      	 Information we receive from a consumer reporting                             you will ever find!
           agency; and
      	 Information obtained when verifying the
           information you provide on an application or                 New Additions To
           other forms, such as from your current or past               The Credit Union Family!
           employers or from other institutions where you               We are pleased to announce a new addition
           conduct financial transactions.                              to our Credit Union. Camden Joshua Cole was
 We may also disclose all the information we collect, as                born to our Loan Clerk, Brienne VanWinkle,
                                                                        on Frebruary 16th at 11:27a.m. He weighed
 described above, to companies that perform marketing                   a perfect 7 pounds 15 ounces and was 20
 services on our behalf or to other financial institutions with         inches long! Baby and mom are doing great
 whom we have joint marketing agreements. To protect                    and Brienne plans on returning to work March
 our members’ privacy, we require these companies to                    22, 2010.
 agree to maintain strong confidentiality protections and
 to limit the use of the information we provide. We do not              We will be having other additions to our
 permit these companies to sell the member information                  Credit Union family this year as well. Sarah
                                                                        Stage our receptionist is expecting a baby
 we provide to other third parties.                                     girl on April 23rd. Phylicia Newsom, a
 In order to conduct the business of the credit union,                  member service representative on Page
 we may also disclose nonpublic personal information                    Avenue is also expecting a baby girl on
 about you under other circumstances as permitted or                    August 1st, 2010. If you would like to send
 required by law. These disclosures typically include                   the girls a congratulatory e-mail or just a
 information to process transactions on your behalf,                    kind word, please feel free to do so!
 conduct the operations of our credit union, and follow                            

 your instructions as you authorize, or protect the security


 of your financial records.
 If you terminate your membership with Jackson
 Community Federal Credit Union, we will not share
 information we have collected about you, except as
 permitted or required by law.
          MESSAGE FROM THE CEO                                                                                                                                           Hours
                                                                                                                                                                      Drive Thru         Lobby
Is anyone as ready as I am to get outside and swing a golf
                                                                                  Monday                                                                              8am - 6pm        9am - 5pm
club, go for a walk, or just feel the heat of the sunshine
                                                                                  Tuesday                                                                             8am - 6pm        9am - 5pm
on your back? For some reason this winter has made me
want to enjoy the spring and summer more this year than                           Wednesday                                                                           8am - 6pm*       9am - 5pm*
ever. Springtime is always a reason for clean-ups at home                         Thursday                                                                            8am - 6pm        9am - 5pm
                        and clean-ups in your financial life.                     Friday                                                                              8am - 6pm        9am - 5pm
                        Consider looking at your finances                         Saturday                                                                            9am - 2 p.m.**
                                                                                       *Page Ave office is closed on Wednesdays
                        and let us help you here at Jackson                                        **Drive thru only
                        Community Federal Credit Union.
                        Are you getting the best rate and
                        term you can on your vehicle loans?                                                        Board of Directors
                        If you don’t know, stop by and let
                        us help you look at the great deals                                                       Tom Kubiak, President
                        we have for you. How about that                                                        Dave Buda, Vice President
                        credit card debt? We have some                                                         Fred Hetherwick, Treasurer
                        incredible VISA programs that will                                                      Jeff Kirkpatrick, Secretary
                        probably save you money. Have                                                                Fay Iles, Director
                        you started a new job? If you have,                                                        Gary Lewis, Director
and you have 401k money that you want more security in,                                                            Julie Maes, Director
we can help you rollover those funds into a money market,                                                          Dave Piper, Director
CD, or IRA. Our products have total security and you                                                              Mike Trudell, Director
won’t loose a dime of principle and we have guaranteed
returns. Maybe you are just looking to start saving for                                 Supervisory Committee
retirement or kids college funds, we have specific
programs for you as well in Roth and Education IRA’s. We                                                             Joyce Pickell, Chairperson
will help you clean up your financial life and start saving                                                                Mary Cagney
you some money every month so you can enjoy this spring                                                                     Jan Treichel
even more.
Speaking of enjoyment we have another FREE movie night                                                                                              Office Locations
on May 15th. The movie will be Annie and we will be
having a cutest Annie Contest and a singing contest as                                 Main Office                                                                               Page Ave. Office
well. Come on out on the 15th and be a part of all the fun.                          408 E. Ganson St.                                                                            3141 Page Ave.
I hope you get out and enjoy the spring weather, clean                              Jackson, MI 49201                                                                           Jackson, MI 49203
up the yard, clean up the house, open the windows and
feel the spring in the air. Thank you so much for being
dedicated members of Jackson Community Federal Credit                                                             Ph. (517)787-0029
Union. As always I welcome your comments, questions                                                           Toll Free 1-800-988-7712
and concerns. Please contact me at the credit union at                                                       Email:
787-0029 or via my e-mail at                                                  Your savings federally insured to at least $100,000
                                                                                            and backed by the full faith and credit of the United States Government

                                                                                          National Credit Union Administration, a U.S. Government Agency

                                                                                                                                                     Office Closings
Jim Francis, CEO
Jackson Community Federal Credit Union                                                                            Monday May 31 Memorial Day
517-787-0029 ext. 213
                                                                                                                  Monday July 5th Independence Day
                            Account Verification
Enclosed with this newsletter is a notice from the Jackson Community Federal
Credit Union Supervisory Committee. This is the bi-annual account verification.
   Please be sure to read this and report any information to the Supervisory
                                                                                                                  Monday September 6th Labor Day
               Committee at the address provided in the letter.

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