Common “In terest”
HOURS OF OPERATION
GETTING A VISA CREDIT CARD Monday - Tuesday: 9:00 AM - 5:00 PM
Wednesday: 11:00 AM - 5:00 PM PRODUCTS &
Thursday - Friday: 9:00 AM - 5:00 PM
JUST GOT EASIER... SERVICES:
In addition to our regular VISA Monday & Tuesday: 9:00 AM - 5:00 PM Savings Accounts
REMINDER: OUR WEDNESDAY Classic Credit Card, DOCO also Wednesday: 9:30 AM - 5:00 PM
Thursday & Friday: 9:00 AM - 5:00 PM
July - September 2005
offers a Share Secured VISA Clas- Insurance
BUSINESS HOURS HAVE CHANGED. sic Credit Card. College stu-
Saturday (Albany locations only): 9AM-1PM
Drive-Thru: dents or individuals who have TELEPHONE TELLER Classic Plus Checking
9:30 AM - 5:00 PM not yet established credit may
be eligible for a Share Secured
(800) 227-9180 (press 1) Fresh Start Checking
IT’S AN EXPLOSIVE JULY OFFER...
Lobby: VISA Classic Credit Card. Contact your DOCO There’s never
VISA Check Cards
11:00 AM - 5:00 PM loan officer today for more information. ONLINE BANKING & WEB SERVICES been a better time
www.docofcu.com VISA Credit Cards to open a DOCO checking account. Open a NEW free Classic
Checking or Classic Plus Checking account with Direct Deposit
YOU CAN FIND IT ONLINE... ANYTIME... ATM’s (AUTOMATIC TELLER MACHINES)
ATM’s are located at each branch office
before July 31, 2005, and we’ll give you access to the most explo-
Our website will keep you up to date with our latest promotions, current rates, and sive yield we’ve ever offered...
and behind the Leesburg Hardee’s at 258 Student Loans
repossessed cars for sale. You’ll find online applications, financial calculators to U.S. 19 South.
help you set budgeting goals, and more.
Here’s how you can easily find the informa-
tion you need.
ALBANY MAIN OFFICE
107 N. Westover Boulevard (31707)
Home Equity Loans
10% APY* on a
P.O. Box 71389
1. Dividend Rates - Check dividend rates Albany, GA 31708-1389 IRA’s 6-Month Share Certificate
on Savings, Checking, Certificates, IRA’s Toll-Free: (800) 227-9180
& Money Markets. (Click “Products,” Phone: (229) 435-1715
click “Savings,” click “Share Rates.”) Fax: (229) 420-8264 Christmas Club What makes DOCO’s FREE Checking better?
No monthly fees No minimum balance requirements
2. Loan Rates - Check current rates for all EAST ALBANY BRANCH
types of loans. (Click “Products,” click “Loans,” click “Loan Rates.”) Earn dividends on account balance No per check charges
2101 Rosebrier Avenue (31705) CU Succeed Teens
P.O. Box 71389 Financial Network FREE Online Banking FREE VISA Check Card
3. Financial Calculators - An array of financial calculators are available to help
Albany, GA 31708-1389 FREE 24/7 Telephone Teller FREE Checks for ages 55 & up
you calculate a loan payment, retirement income, credit card payoffs, sav-
ings growth, mortgage payments, refinancing and more. (Click “Products,” Toll-Free: (800) 227-9180
*Annual Percentage Yield is accurate as of 7/1/05. Penalty for early withdrawal. Dividends paid at maturity. Maximum
Phone: (229) 420-8200
click “Financial Calculators.”) investment is $2,500. Minimum investment is $500. Member must open a new DOCO Regional FCU checking account with direct deposit of net paycheck to qualify for this offer. This offer
4. Repossessions & Foreclosures - Take a look at a listing of repos and foreclosures
Fax: (229) 432-8283
CONVENIENCE is extended to new members and existing members for new money only. Checking account must be active & kept in good standing to qualify for yield. Opening a new checking account is
subject to qualification. Offer may be withdrawn at any time without notice. Limit one 10% Share Certificate per household.
for sale. Details and pictures are available of each. (Click “Services,” click TIFTON BRANCH SERVICES:
“Repossessions & Foreclosures.”) 1004 Love Avenue
5. VISA Credit Card and Check Card Lost/Stolen Con-
P.O. Box 124
Tifton, GA 31793
tact Numbers - If you ever need to notify VISA of a lost The credit union is doing very well and is continuing to grow. As evidence of our success, we are
Phone: (229) 386-8859 Telephone Teller
or stolen Credit Card or Check Card outside of our able to offer terrific promotions such as the 6-Month Share Certificate special available with new
Fax: (229) 387-0005
normal business hours, you can find the emergency Dealer Direct checking accounts during July. Our loan rates and dividend rates will continue to remain
contact numbers by going to “About Us,” and click- AMERICUS BRANCH Lending competitive, as we stand firmly committed to offering our members a financial advantage.
ing on “Contact Us.” 602 Tripp Street Financial
Americus, GA 31709 Last quarter I announced plans to proceed with renovations of the Main Office building. We will be
Consulting announcing the date and time of the official groundbreaking ceremony in the very near future
6. Online Applications - You can complete & submit a Phone: (229) 924-5475
loan application, a VISA Credit Card application, a DeluxeCard and will post invitations at each of our branch locations. We would love to see you there, and we
Fax: (229) 924-5325
VISA Check Card application, and Payroll Deduc- VISA Gift Cards hope you will be just as excited as we are to see this project take shape.
tion or Direct Deposit authorization forms online from MANAGEMENT TEAM Traveler’s Checks Also, at the beginning of the year we adjusted our hours of operation
President/CEO: Barry Heape
the convenience of your home or office. (Click “Ap- Vice President Technology: David Rouse Notary Service on Wednesdays to accommodate weekly staff training sessions. While
plications” and select the appropriate form.) Vice President Operations: Lisa Lawson we apologize for any inconveniences this may have caused, we at
Operations Center Director: Allene Warren Payroll Deduction
Marketing Director: Fran Crittenden DOCO believe that ongoing staff training is key to ensuring continued
FINANCIAL REPORT... Albany Office Manager:
Americus Office Manager:
Direct Deposit enhancement of the level of service provided to the membership.
HOLIDAY CLOSINGS... (As of 3/31/05)
E. Albany Office Manager:
Tifton Office Manager:
As always, we will be happy to answer any specific questions you have
regarding credit union products, services and operations. We also
Monday, July 4 Members: 21,249 VOLUNTEERS welcome any comments or suggestions you may be willing to share
Safe Deposit Boxes
Independence Day Assets: $64,809,479 Board of Directors
(Albany & Tifton)
Chairman: J.W. Flowers
Monday, September 5 Deposits: $55,636,517 Vice Chairman: J. Derryl Quinn Sincere Regards,
Treasurer: Seaborn Jackson
Labor Day Secretary: Jan Parker
Other Members: Jack Clay
(Don’t forget that DOCO ATM’s, Online Wilhelmina D. Hall
Banking & Telephone Teller are available
Supervisory Committee BARRY O. HEAPE
for after hours transactions.) Chairman:
Rochelle Bush & Dave Parker
“People Helping People” since 1959. President/CEO
Page 2 Page 3
BANKRUPTCY: A TEN-YEAR MISTAKE... THERE’S NO PLACE LIKE HOME FOR THE 2005 - 2006 SCHOLARSHIP WINNERS...
If you’re having financial difficulties and you’re
thinking of bankruptcy as a way out, consider the
CASH YOU NEED... Congratulations to Candace Phillips and Annie Morris, recipi-
ents of the 2005 DOCO College Scholarship awards!!! Each
What’s on your agenda for the sum- received a $1,500 college scholarship payable to the aca-
following facts first. mer? Home improvements, college demic institutions of their choice.
Bankruptcy does NOT wipe your slate clean and give expenses, a dream vacation, a new
you an immediate “fresh start.” Declaring bankruptcy Candace, a graduate of Dougherty High School, plans to be-
car - they all sound great if you have
may not spell relief from obligations like taxes, child gin her college career this fall, but has not yet decided on a
the money... right?
support, alimony, and student loans. school. Annie, a graduate of Americus-Sumter County High
Based on the amount of equity you have in School, plans to attend Faulkner University and pursue a de-
When you file bankruptcy, it stays on your credit report your home, you can borrow up to 85% of your gree in criminal justice. We wish Candace, Annie and all 2005
for up to 10 years. graduates the best of luck as they take the next steps toward
home’s appraised value. their futures! Left to Right: Barry Heape, President/CEO; Candace Phillips, Annie Morris; J.W. Flowers, Chairman
You will have trouble getting
With a home equity line of credit from DOCO, you can have
credit. Creditors seldom extend access to the cash you need at a very attractive rate. Plus,
credit to someone who has filed for
bankruptcy. That is true whether
the interest you pay may be tax deductible (check with your HELP US CREATE A 2006 CALENDAR TO RAISE MONEY FOR CUFK...
tax advisor for details). We can furnish a one-time loan, or DOCO is hosting an art contest, and 14 winning pieces of artwork will be
you file straight bankruptcy under you can establish a line of credit that you can access as the
Chapter 7 or if you file under Chap- featured in a custom 2006 calendar that will be available at the credit
need arises. We offer monthly and biweekly payments,
ter 13 with the intention of repay- which can be paid conveniently through payroll deduction. union this November as a fundraiser benefiting Credit Unions for Kids.
ing your debts.
MONEY SAVING TIP: By choosing bi-weekly pay- Children and teenagers up to 17 years old who are members of DOCO’s Coindexter
You will have difficulty getting any type of loan - for a ments, you’ll pay off your loan more quickly, saving Club for kids or CU Succeed Teen’s Financial Network may submit an unlimited number
car, home, credit card, education, personal needs, etc. yourself costly interest. For instance, if you borrowed of entries. Entry forms are available at all branch locations as well as on our website
$20,000 against the equity in your home at 6.00% APR* at www.docofcu.com. The entry deadline is Friday, August 31, 2005. 7 winners will be
There are options other than bankruptcy. for 15 years and made bi-weekly payments instead of selected by age category, and 7 winners will be chosen randomly.
Contact your creditors first. They can help you in many monthly payments, you’d save $1,426.30 in interest. Credit Unions for Kids is a nationwide collective fundraising effort by credit unions to
ways and will suggest different methods of repaying benefit Children’s Miracle Network hospitals across the nation. 100% of funds donated
Get the cash you need today. Contact us for full details.
your debts. Remember, they want to see you solve to CUFK through DOCO
your financial problems just as much as you do. *Annual Percentage Rate. All credit lines are subject to credit approval and under-
remains local and helps
Talk to a DOCO loan officer. You may be able to con-
COINDEXTER CLUB... children treated at Phoebe Putney Memorial
Kids love DOCO’s new savings club called Hospital, our local CMN hospital.
solidate your debt and lower your monthly payments.
TIME OUT... the Coindexter Club! 4-year-old Tyler, son Be on the lookout for a spectacular calendar featuring
The Consumer Credit Counseling Service of Southwest Georgia helps con- The following were actual excerpts in of DOCO employee, Shana Coker, is pic- DOCO’s very own talented artists this November. The cal-
sumers work out their debt problems. Depending on services provided, there Classified sections of newspapers: tured below taking his deposit slip from one endars will make a perfect holiday gift for anyone, and you’ll
may be a minimal charge. You may contact them at (229) 883-0909. of our friendly tellers after making a deposit be supporting a really great cause.
☺ Auto Repair Service. Free pick-up to his savings account. Tyler also received a special prize
A few simple steps can help you avoid financial troubles. and delivery. Try us once, you’ll (mini beach ball) for making a minimum $5 deposit. Young Don’t forget that Six Flags, White Water & Wild Adventures
never go anywhere again. Tyler is learning that mak- tickets are availabe at discounted prices at DOCO.
First, make a complete list of your monthly income and expenses. Include the
☺ Our experienced Mom will care for ing regular visits to the
costs you incur in order to live, but not frivolities. Don’t forget to average out
once-a-year payments such as insurance premiums. your child. Fenced yard, meals, and
credit union and saving
what he collects in his CU SUCCEED...
Take a look at your results. If you can not cover your expenses, stop borrow- piggy bank at home is fun CU Succeed is an exciting program designed especially for
☺ Dog for sale: eats anything and is and even rewarding. teens, brought to you by DOCO. With CU Succeed teens
ing to pay bills (this includes using credit cards). Call your creditors and try to
work out a payment plan, and look for ways to increase your income.
fond of children. can learn to mange their money and get valuable informa-
Your kids (and grandkids)
☺ 3 year old teacher needed for pre- tion on a wide variety of financial topics. Everything is cov-
ages 12 and under can
If you’re having difficulty making ends meet, consider adjusting your tax school. Experience preferred. ered - from balancing a checkbook to funding a college
learn to become super
withholdings. You will have extra money each month you can use to repay education. Best of all, the program is fun and FREE when
☺ Mixing bowl set designed to please savers too. Open a DOCO
your debt. However, you may not receive a tax refund. your teenager, age 13 - 17, opens a DOCO savings account!
savings account for your
a cook with round bottom for effi-
kids today and they will Members of CU Succeed receive
If you have money leftover after you pay bills, avoid spending the extra profits cient beating. automatically become quarterly newsletters and
and save. For a month, write down everything you spend, even the fifty-cent ☺ Girl wanted to assist magician in members of DOCO’s have access to a cool
trips to the vending machine. You may find that cutting off head illusion. Blue Cross Coindexter Club for kids. website where they can
those fifty-cent trips cost you $20 a month. Just like Tyler, your kids will write their own articles for a
receive regular mailings chance to win scholarship
Utilize payroll deduction to have money au- ☺ Dinner Special - Turkey $2.35;
from the Coindexter Club money. There are also
tomatically deducted from your paycheck Chicken or Beef $2.25; Kids $2.00. gang with tips on how to supplemental brochures
into savings. Even if you only save a small ☺ For sale: antique desk suitable for earn their own money and available at the credit union
amount each pay period, it will add up
a lady with thick legs and large make smart decisions about whether to spend or save. Plus, to help your teen with buying
drawers. (Courtesy of Thinks.com) our nice tellers will have a special prize waiting each time a first car, budgeting, and es-
(Source: CBM Credit Education Foundation, Inc.) your child deposits at least $5 into savings. tablishing credit.