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									                 Federal Credit Union

                “Solutions For Your Financial Life”

                                                                                                                                                                                     Vol. 27
                 Cross Valley                                                                                                                                                      Number 3
                 Federal Credit Union
                “Solutions For Your Financial Life”
                                                                                                                                                                                Summer 2010
          The NewsleTTer of Cross Valley federal CrediT UNioN

                                       Cross Valley fCU announces Plans

                                       for seventh Branch location!
                                       We are very excited to announce that thanks to the support of our membership we are able to extend
                                       our services into the Back Mountain. Later this summer, we will be announcing the grand opening of
                                       our Dallas Branch. Our seventh branch location will be located along the Dallas Memorial Highway
                                       within the Dallas Shopping Center. Be sure to watch our lobbies, website and facebook for grand
                                       opening event dates and specials. We look forward to this new opportunity and to continuing to help
                                       our members find Solutions for their Financial Lives.

         Pledge To
         Go Green

         youth day
                                                                                                                                              Signature Preferred

                                                                                                                                                           Rates As Low As

                                                                                                                                                               .99%  APR*

         invest in                     signature Preferred                                                                                     For Up To A 60 Month Term
                                                                                                                                                  Borrow Up To $7,500
         america                       loan special!
                                       Let us help you plan a STRESS-FREE summer!
                                       Take the weight off your shoulders with our low, fixed rate signature preferred loan.
                                       Whether you are looking to gain control over credit card debt or simply planning for some much
                                       needed changes around the house like new deck or patio furniture so that you can spend the
                                       remainder of the summer relaxing and enjoying your favorite stay-cation spot – we can help.
                                       Want even more convenience? Arrange for automatic payments or payroll deductions.

                                                                                           Cross Valley
                                       *APR=Annual Percentage Rate. Membership requirements apply. Rates shown are for qualified borrowers who meet certain credit criteria. Rates and terms subject
                                       to change without notice. Membership requirements apply. Other rates and terms available. Repayment in as many as 60 monthly payments of $X.XX per $1,000
                                                                                               Federal Credit Union
                                       borrowed. Contact credit union for full loan details. Offer expires September 30, 2010. (DISCLOSURE TO BE COMPLETED WITH FINAL PROOF.)
                                                                                              “Solutions For Your Financial Life”
                                                                                            summertime Tips
                                                                                            To Cool Off Your Home
                                                                                            • Open Windows And Use Portable And Ceiling Fans.
                                                                                            • Make Sure Ceiling Fans Are Set For Summer
                                                                                              (The Air Should Blow Downward).
                                                                                            • Place A Box Fan In Front Of Your Window Air Conditioner To
                                                                                              Circulate Cool Air Throughout The House.
                                                                                            • Keep TVs And Lamps Away From Your Thermostat; The Heat
                                                                                              From These Appliances Can Cause The Air Conditioner To
                                                                                              Run Longer.
Sunday, June 6 we partnered with 98.5 KRZ FM for the first annual                           • Use A Programmable Thermostat To Adjust The Air Conditioning
Kickin’ It for the Music Kick Ball Tournament at Misericordia                                 While You Are Asleep Or At Work.
University, Dallas, PA! Students from all over Northeastern PA
enjoyed gathering financial literacy information, playing in the                            • Stick To White Shades, Drapes, And Blinds For Windows To
tournament alongside their favorite artists, and got to hang out for                          Reflect Heat Away From Your Home.
a concert and a meet and greet afterwards. All proceeds from the                            • During The Day, Close Curtains On Windows Facing South
Kickball Tournament funded the Kickin’ It for the Music Grant                                 And West.
which will end up benefiting up to three local high schools. Later                          • Give Your Air Conditioning Unit Some Shade By Planting Trees
this summer, once all grant applications are in, Cross Valley FCU                             Or Shrubs, But Make Sure They Don’t Block The Unit’s Airflow.
and 98.5 KRZ–FM personalities will be visiting the winning schools
to award their arts and music programs. Below are a few pictures                            • Switch To Compact Fluorescent Light Bulbs, Which Use A Fifth Of
from the event. Visit Cross Valley Federal Credit Union’s page on                             The Energy And Heat Of Incandescent Bulbs.
facebook to view more snapshots of the concert and game.                                    • Turn Off Computers And Computer Monitors When Not In Use.
                                                                                            • Lower The Thermostat On Your Water Heater (115°F Is Usually
                                                                                            • Caulk And Weatherstrip To Keep Cool Air Inside Your Home.

                                                                                            Your Credit union Offers Discounted
                                                                                            Park Tickets Online!
                                                                                            Check out our discounted tickets online at
                                                                                   Select “More Services” then select
                        We the Kings –                                                      the park of your choice. You will be directed to the park’s
 Red Team – AKA Team
                          in’ It                                                            website. Log in with the information listed below to complete
 took the 1st Annual Kick
 Championship!                                                                              your purchase.
                                                                                            • Six Flags® – User ID: crosga; Password: SixFlags1;
                                                                                              All ages price = $25.00
                                                        Orange Team – AK
                                                                            A Team Cartel
                                                                                            • Six Flags® Hurricane Harbor – User ID: crosga; Password: SixFlags1;
                                                                                              All ages price = $23.50
                                                                                            • Dorney Park® – Password: CROSSVALLEY2010; Regular 48" or
                                                                                              taller and under age 65 price = $28.50
                                                                                            • Dutch Wonderland® – Code: 94652; All ages price = $26.95
Yellow Team – AKA Team Shontelle                                                              (2 and under = FREE). Please note there is also a
                                                                                              75¢ processing fee.
                                                                                            • Hersheypark SM – Code: 94652; Age 9 -54 years price = $40.95;
                                                                                              Age 3-9 and 55-69 years price = $28.95; Age 70+ price = $19.95.
                                                                                              Please note there is also a 75¢ processing fee.
                                                                                            • Great Wolf Lodge – Code: CROS187A. Please call Great Wolf Lodge
                                   We the Kings closed                                        for pricing information.
                                                       out the concert aft
                                   team’s victory.                         er their
                                                                                            IN BrANCH (available at all branch locations)
                                                                                            • Camelbeach Mountian Waterpark – All ages price = $24.99
                                                                                              (2 and under = FREE)
                              Stay updated! Get Connected! Become a                         • Snö Cove Water Park – All ages price = $19.95
                              fan! Your credit union is on Facebook.
                                                                                            Ticket prices subject to change without notice.
LeT’s CeLeBrATe!
Youth Day 2010 Carnival scheduled for saturday,
August 7th! NeW HOurs!
Join your friends at Cross Valley FCU on Saturday, August 7th from
Noon to 3:00 pm for our Annual Youth Day Carnival.
Enjoy pony rides, food and a whole lot of fun! And back by popular
demand Justin Credible, one of the area’s youngest magicians, will be on
hand to entertain the crowd for two shows!
It’s a great time to spend with the children and grandchildren.
Scottie Saver members will have a chance to win a $100.00 Gift
Certificate to Toys “R” Us® and Executive Student Program (E.S.P.)
Members will have a chance to win a $100.00 Cross Valley FCU
VISA® Gift Card.*
Plus, don’t miss...                                                             Is there a child in your life who would like to become a member
• Magic 93’s Frankie Warren!            • Food!                                 of Scottie Savers (ages 3-12) or our E.S.P. (ages 13-19)? If so, call
                                                                                today or stop by the carnival. These programs are a terrific way
• A Justin Credible Magic Show!         • A Make Your Own Sundae Stand!
                                                                                to introduce children to money management and get them on
• Pony Rides!                           • Popcorn! Cotton Candy!                the road to developing good financial habits early.
• Carnival Games!                       • And A Great Way To Teach              For more information, call Colleen or Jill today at (570) 823-
• Face Painting!                          Today’s Youth About Financial         6836 ext. 1071.
                                                                                *Drawings for $100 Gift Certificate to Toys “R” Us® and $100 Cross Valley FCU VISA® Gift Card
                                                                                will be held on 08/09/10. Chances of winning depend on number of entries received by 08/07/10. No
                                                                                purchase necessary. Cross Valley FCU is not affiliated with Toys “R” Us, Inc. The services, products, or
                                                                                activities of Cross Valley FCU are neither endorsed nor sponsored by Toys “R” Us, Inc.

executive student Program scholarships
IT’s NOT TOO LATe! Become an e.s.P member! scholarships available!
As a member of Cross Valley FCU’s Executive Student Program
(E.S.P.) you have an opportunity to benefit from many credit
union services including a chance to receive one of six $500                  Name
college scholarships to be awarded to graduating high school
seniors this year!

                                                                                                                                                                         Cross Val
E.S.P is available to members between the ages of 13 and 19, and                                                                                                           Federal Credit
includes a Savings Account, Share Draft/Checking Account, VISA®               City                                                State                  Zip               “Solutions For Your Finan

Check Card, Loan Applications, Student Loan application, our
$5.00 Good Student Award, and scholarship opportunities.                      Account #

To be eligible for one of the six $500 scholarships you must:
• Volunteer At The Asthma Walk On Saturday, June 12, 2010 Or Plan To
                                                                              Daytime Phone #                                                                            Cross Val
                                                                                                                                                                           Federal Credit
  Volunteer At Youth Day 2010 Scheduled For Saturday, August 7, 2010                                                                                                       “Solutions For Your Finan
                                                                              Volunteer Event
  (11 am – 3 pm).
• Be An E.S.P. Member Of The Cross Valley FCU On Or Before                    By signing this application, I state that I agree to the terms
  Thursday, August 12, 2010.                                                  of this scholarship if I should win.                                                             Cross V
                                                                                                                                                                               Federal Cred
• Have At Least A 3.0 Grade Point Average.                                                                                                                                     “Solutions For Your F

• Be A Graduating High School Senior This Year.
• Be Accepted At An Accredited 2- Or 4-Year College.                          Signature                                                                  Date

• Return The Scholarship Form, With High School Transcripts And
  A College Acceptance Letter, By The Close Of Business Thursday,                                                                    Attn: Marketing                           Cross V
  August 12, 2010.                                                                                                                   P.O. Box 597                              Federal Cred
                                                                                                                                     Wilkes-Barre, PA 18703                    “Solutions For Your F

• Be A Member In Good Standing At The Time Of The Drawing.
Selection will be by a random drawing on Friday, August 13, 2010
                                                                           *CVFCU employees, officers, directors, and their family members are not eligible for this
at the credit union’s main office, 640 Baltimore Drive, Wilkes-            contest. All decisions by the judges are final. Winners of the contest will agree to allow Cross
Barre, PA. The recipient winners will be notified by mail.                 Valley FCU to print their names and use their pictures for promotional purposes. Void where
                                                                           prohibited by law.
                                                                            Annual Meeting Held
                                                                            During the Annual Meeting held Monday, April 12, 2010 the
                                                                            following individuals ran unopposed and were re-elected to
                                                                            Cross Valley Federal Credit Union’s Board of Directors for a
                                                                            three year term:
                                                                            • Richard Shields, a member of the credit union since 1976, and a
                                                                              member of the Board of Directors since 1997, serving as Chairman
                                                                              since 2000.
                                                                            • Al Baloga, a member of the credit union since 1969, and a member of
                                                                              the Board of Directors since 1978, also has served as the past Board

                                                                            employee Milestones Honored
                                                                            During our Annual Meeting held Monday, April 12, 2010 eight
                                                                            Cross Valley FCU employees were honored for their combined
                                                                            65 years of service.

                                                                            First row: Linda Moran, MSR, 5 yrs.; Lauren Dudick, Branch Manager, 25 yrs.; Liz
            Need a New Car?                                                 Mack, MSR, 5 yrs.; Colleen Phillips, VP of Marketing, 5 yrs. Second row: Bryan Powell,
                                                                            Assistant VP of Info. Tech, 5 yrs.; Richard Shields, Board Chairman; Dave Reed, VP of
            save Big on a New GM or Chrysler                                Lending, 10 yrs.; Kim Ermish, MSR, 5 yrs.; Cheryl Tique, Head Teller, 5 yrs.

            Vehicle with Invest in America
             Cross Valley Federal Credit Union has partnered with Invest
             in America, a member enhancement program, to bring you
             exclusive discounts on a new GM or Chrysler vehicle. Just by
             being a credit union member, you can save thousands when
                                                                            Donation To
alley purchase a new vehicle through GM’s Preferred Pricing,
             you                                                            Habitat For Humanity
 t Union
 ncial Life”
             or a new Jeep, Dodge or Ram Truck through Chrysler’s           Cross Valley FCU recently presented Wyoming Valley’s Habitat
             Affiliate Rewards program. These discounts are on top of       for Humanity with a check for $1,000.00 to support the Spencer
             most other dealer incentives!                                  Martin Memorial Bike Ride 2010, which will help provide
             The savings increase if you finance your new vehicle with      affordable housing for qualified families within Wyoming Valley.
alley Valley FCU, thanks to our low interest rates. To
 t Union     discover how much you could save on a new GM or
 ncial Life”
             Chrysler vehicle, speak to a member representative or visit:
 edit Union
 Financial Life”

            Pledge To Go Green
            Have you pledged to go green with Cross
  Valley FCU? Visit
 edit Union
            to learn more about our E-Services and
 Financial Life”
            how you could possibly win $500 in
            bills paid with our E-Bill Payer Service,
            or simply pledge today by e-mailing
                                                                            Photo (L-R): Colleen Phillips, VP/Marketing, Cross Valley FCU; Karen Evans Kaufer, Executive
                               Director, Wyoming Valley Habitat For Humanity; Leonard V. Shimko, President/CEO, Cross
            Contact credit union for full details.                          Valley FCU.
Social Security corner

 Our Most Convenient
 Office Is Online
 By Nick Krutz
 Social Security Manager In Wilkes-Barre, PA                   retirement Income Planning
 You probably don’t need anyone to tell you that times         There’s a Big Difference Between Not Working and
 are tough for many people right now. The past year            Not Worrying
 has seen a recession-driven increase in applications          A Message from the MeMBers Financial services Program
 for Social Security retirement and disability benefit         Are you approaching retirement…or already retired? If so, you
 applications. These increases translate into busier           should have a retirement income plan in place to meet your goals.
 offices and telephone lines.
                                                               If you’re like most people, you concentrate on when you’ll retire.
 So if you need information, or want to apply for              However, it’s much more important to think about how you’ll
 benefits, visit the most conveniently located office Social   retire…and how you’ll be able to have a steady income. A “hit or
 Security has: our online office at    miss” plan for generating retirement income may prevent you from
 There, you can apply online for retirement, spouses,          enjoying the stress-free retirement journey you’ve worked so hard
 and disability benefits. There’s no need to fight the         for.
 traffic to visit an office or wait for an appointment.
                                                               Ask yourself the following questions:
 Our website makes it simple, allowing you to apply for
 retirement benefits in as little as 15 minutes.               • “Am I financially prepared to retire?”
 If you’re not certain you’re ready to apply, we have          • “How much income can I realistically expect from my savings?”
 online resources that can help you decide. Our                • “What sources of income should I draw upon and when?”
 Retirement Estimator will allow you to enter different
                                                               • “How do I know if my income will last…or run out?”
 scenarios to come up with the retirement plan best for
 you. You can find it at     • “How should I handle the rollover of my 401(k) plan?”
 A Disability Starter Kit makes it easy to prepare for         • “What about taxes, inflation, rising healthcare costs, low interest rates,
 your disability application. The kit explains the               and a fluctuating stock market?”
 documentation and information you’ll be required              The MEMBERS Financial Services Representative serving Cross
 to share on the application, and includes checklists and      Valley FCU can work with you to answer these questions and build
 worksheets to help take the mystery out of applying.          a plan for your retirement income that allows you to live without
 You can find the Disability Starter Kit at                    worrying about whether you’ll outlive your savings. on the left-hand side       For more information, or to arrange a personal one-on-one
 of the page.                                                  retirement income planning consultation, call (570) 208-4520.
 There are other things you can do online, such                Representatives are registered, securities are sold, and investment advisory services offered through
 as applying for a replacement Medicare card, and              CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and
                                                               investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit
 requesting an SSA-1099 for tax purposes. You can              investment and insurance products are not federally insured, involve investment risk, may lose value
 learn about these and other online services at                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.
 When you are ready to apply for Social Security               1385-P1786F1 (1107)
 benefits, everything you need is at your fingertips. Just

 screen And shred
 To Protect Identity
 • Sign up for national do-not-call registry
   (888) 382-1222 or
 • Opt out of credit card and insurance offers
   (888) 567-8688 or
 • Get free credit reports from each credit bureau annually
   (877) 322-8228 or
 • Mail letters from locked mailbox.
 • Shred offers that contain personal information.
 • Check out credentials at
 • Screen telemarketers using answering machine.
                                                                                                                   Board of Directors
                                                                                                                  Richard Shields, Chairman
                                                                                                               Joseph J. Shimko, Vice Chairman
                                                                                                                    Al J. Baloga, Secretary
                                                                                                             Leonard V. Shimko, CCUE, Treasurer

          Holiday Closing                                                                             Ted Prekel • Anthony Dombroski • Helene Vernagis

          Independence Day                    Labor Day
          Monday, July 5, 2010                Monday, September 6, 2010

          Mark Your Calendar                                                                Main Office                            Mountaintop Branch
                                                                                            640 Baltimore Drive                    113 S. Main Road
          Annual Youth Day Carnival                                                         Wilkes-Barre, PA                       Mountaintop, PA
                                                                                            Office Hours:                          Office Hours:
          Saturday, August 7, 2010 - Noon - 3:00 pm                                         M – Th: 8:30 am to 4:30 pm             M – Th: 8:30 am – 4:30 pm
          Cross Valley FCU Main Office – 640 Baltimore Drive, Wilkes Barre, PA              Fri: 8:30 am to 5:30 pm                Fri: 8:30 am – 5:30 pm
                                                                                            Sat: 9:00 am to 1:00 pm                Sat: 9:00 am – 1:00 pm
                                                                                            Drive-up hours are the same            (570) 474-6633
                                                                                            as office hours.                       Loans: (570) 474-6633
  Member Notices                                                                            (570) 823-6836 • (800) 548-2849
                                                                                            Loans: (570) 823-6836
                                                                                                                                   sherman street Branch
                                                                                                                                   280 North Sherman St.
  • Truth In Savings Disclosures Recently Updated – All members will be receiving           or (800) 548-2849                      Wilkes-Barre, PA
                                                                                                                                   Office Hours:
    an updated Truth In Savings Disclosure pamphlet along with the June statements.         Main Office Mailing Address
                                                                                                                                   M – Th: 8:30 am – 4:30 pm
                                                                                            P.O. Box 597
    This disclosure is also available online at If you have any     Wilkes-Barre, PA 18703                 Fri: 8:30 am – 5:30 pm
    questions, please don’t hesitate to contact any of our member service representatives   ssA Branch
                                                                                                                                   Sat: 9:00 am – 1:00 pm
                                                                                                                                   Drive-up hours are the same
    at (570) 823-6836.                                                                      1150 E. Mountain Blvd.                 as office hours.
                                                                                            Wilkes-Barre, PA                       (570) 823-6836
  • As of August 1,2010 Cross Valley FCU will no longer return fees received for            Office Hours:                          Loans: (570) 208-4540
    unlinked accounts. In a letter to members in December 2009, it suggested that           M – Th: 8:30 am – 4:30 pm
                                                                                                                                   Forty Fort Branch
                                                                                            Fri: 8:30 am – 5:30 pm
    members contact our offices to have additional accounts linked to their share draft     Loans: (570) 208-4522                  1181 Wyoming Avenue
    checking account. By default, in the event that a checking account has insufficient                                            Forty Fort, PA
                                                                                            Hazleton Branch                        Office Hours:
    funds, we will attempt to provide the funds from the member’s savings account.          273 Airport Road Hazle Twp., PA        M – Th: 8:30 am – 4:30 pm
    Linking accounts will provide you with added coverage should you be in this             (570) 450-5192 • (570) 450-6292        Fri: 8:30 am – 5:30 pm
                                                                                            Office Hours:                          Sat.: 9:00 am – 1:00 pm
    situation. You may also contact our loan department and apply for an overdraft line     M – Th: 8:30 am – 4:30 pm              Loans: (570) 823-6836 ext. 2610
    of credit.* This line of credit will be an added resource to draw from. We appreciate   Fri: 8:30 am – 5:30 pm
                                                                                                                                   24/7 express Loan Center
                                                                                            Sat: 9:00 am – 1:00 pm
    your attention to this and we look forward to continuing to serve the financial needs   Loans: (570) 450-6292                  (570) 823-6836, Press 3
    of both you and your family.                                                                                                   or (866) 739-0068
  *Contact credit union for full details.                                                   ABA# 2313-8688-1                       Internet:

                                                                                                                       MP17261 2/10 Marketing Partners (888) 641-1215
                                              “Solutions For Your Financial Life”
                                            Federal Credit Union
                                            Cross Valley

                                              “Solutions For Your Financial Life”
                                            Federal Credit Union
                                            Cross Valley
                                                                                            suMMer 2010 • VOL. 27 • NuMBer 3
                                                                                                        federal CrediT UNioN
                                                                                                T h e N e w s l e T T e r o f C ro s s Va l l e y

                                                  “Solutions For Your Financial Life”
                                               Federal Credit Union
                                                                                            The Crossings
                                              Cross Valley

                                                                                                                                Wilkes-Barre, PA 18703
                                                                                                                                     P.O. Box 597

                                                  “Solutions For Your Financial Life”
                                               Federal Credit Union
  Permit #550
                                              Cross Valley
Lehigh Valley, PA
  U.S. Postage

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