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FivePoint Credit Union
Dollar Saver 2009 Q3
Classic
Car Sale
- July16th-25th
Scholarship Winners
Announced
Checking for
Check Scams
Car Sale
Classic Southeast Texas, formerly Classic Chevy Cadillac, and FivePoint are teaming up to bring you a
special promotion starting July 16th through July 25th. Come by Classic during those dates
and you’ll find specials throughout the lot and on financing. Members will get a .25% discount on their
auto loan and a chance to get their car note paid until 2010.
Each loan that is financed through FivePoint will receive a $250 Gift Card.
Call FivePoint for more information or just come by and take advantage of
ClassicSoutheastTexas.com
the special financing. 3855 Eastex Freeway, Beaumont, Texas
Scholarship
Winners “ECO
Announced
FivePoint is excited to announce the 2009 FYI Scholarship recipients.
We had a very talented group to pick from this year, and we are certain
TIP ”.
that we have invested our money wisely in these five students. With the high temperatures of
summer upon us, now is the time
Haley Breaux is a 2009 graduate
from Nederland High School. She is to pack away the cool-weather
a third generation, lifelong FivePoint clothes and clear out what you
member and plans to study medicine
at Baylor University in the fall. don’t want. Instead of throwing
away those clothes, consider
Cody Warren is a 2009 graduate from finding a new home for them.
Lumberton High School. A member
since 1996, he will be attending Texas Goodwill, Salvation Army or even
Tech University in the fall. consignment shops are classic
options and not only are you
Haley Richardson is a 2009 graduate from Community
Christian School in Orange. A member since 2008, she being GREEN, your’re helping
had the distinguished honor of being Salutatorian of her someone in need.
graduating class. She will be attending Sam Houston
State University in the fall.
Robert Weatherholt is a 2009 graduate from Bridge Erik Granado is
City High School. A member since 2008, Robert had the a 2009 graduate
distinguished honor of being the Valedictorian of his from Memorial High
graduating class. He will be attending Lamar University School. A member
in the fall. since 1998, he
will be attending Notice on Safe
We would like to congratulate all of our scholarship Stephen F. Austin
State University in
Deposit Boxes
recipients and to wish them good luck in all their The fee for drilling a safe deposit box
academic endeavors. the fall. will be $150, effective August 15th.
New Passwords
have
Some Fun
this Summer
Required for
Home Banking
Starting
Each year we offer tickets to theme parks at a
discounted rate. Check the schedule to your favorite September 1st
park and see how much you’ll save by purchasing FivePoint is going the extra mile to
your tickets through FivePoint. And start enjoying your protect your information.
summer vacation!
In an era of identity
Description of ticket Age our price gAte price theft, FivePoint wants to
FIESTA TEXAS: San Antonio make sure that your financial
Fiesta Texas - ONE DAY 3 yrs + $26.90 $49.99 information is as secure as possible. To
SCHLITTERBAHN: Galveston increase protection, we are now implementing
Galveston - ADULT 12 yrs + $34.55 $41.12 guidelines to help you choose a password for your
Galveston - CHILD 3 - 11 yrs $30.22 $32.46 Home Banking that will minimize the risk of someone
SCHLITTERBAHN: New Braunfels illegally accessing your account.
New Braunfels - ADULT 12 yrs + $37.79 $43.29
New Braunfels - CHILD 3 - 11 yrs $30.22 $34.63 Your new passwords should meet the
SPLASHTOWN: Houston following criteria:
Splashtown - ONE DAY 4 yrs + $20.29 $35.38
• Password should be between 6 and 8 characters
Splashtown - SEASON PASS 4 yrs + $59.98 $75.06
SEAWORLD: San Antonio • Password should not contain leading or
trailing blanks
SeaWorld - ADULT VISIT WWW.5POINT.ORG
SeaWorld - CHILD Click on the SeaWorld logo • Password should contain alpha AND
numeric characters
CHECKING FOR
• Password will expire every 180 days
What happened to Smith is one example of a wide
range of fake check scams carried out in the United
CHECK SCAMS States every year. A Consumer Federation of America
survey estimates that 1.3 million Americans have been
These new guidelines will be implemented September
1st. If you have any questions regarding the new
Thousands of Americans learn a painful lesson in the victim of a fake check scam, with an average loss of password guidelines, please feel free to contact
banking every day: Waiting for a check to clear $3,000 to $4,000 per consumer. FivePoint Member Services and we will be more than
and then getting access to the money from a bank
doesn’t mean the check has really cleared. glad to help you with any concerns.
The Consumer Federation of America’s tips
Take Harry Smith of New York, who responded against fake check scams:
to an ad on Craigslist.com for an office assistant.
A woman e-mailed him and said her British
company was starting to sell its product in the
• Never agree to pay to claim a prize; $250,000 Share
United States, but was having trouble dealing
• Never agree to pay for grants from the
government or foundations; InSurance
ProtectIon
with checks from customers. She needed someone
to collect the checks and then send the money to • Never agree to cash checks and send the
her company.
It was a commission job -- deposit the checks, wait
money somewhere as part of a job working
from home; extended to 2013
for the funds to become available at his bank, then • Never agree to wire money to anyone you The Helping Families Save Their Homes Act of 2009,
send cash to her, minus 10 percent for Smith. have not met in person and known for a signed into law May 20, 2009, includes a provision
After Smith checked out what seemed like a long time; extending $250,000 share insurance coverage provided
legitimate company on the Internet, he started by the National Credit Union Share Insurance Fund
receiving checks totaling several thousand dollars • If it seems suspicious, consult your state
through December 31, 2013. Previously, this level of
and deposited them in his account. When his bank or local consumer protection agency, the
coverage was set to expire December 31, 2009. NCUA
released the funds, he sent cash to an address Federal Trade Commission, the U.S. Postal
outside the country. will shortly update its guidance about share insurance
Inspection Service or another trusted
coverage to address the provisions of the new law.
But after a few weeks, his bank notified him source; and
Information about NCUA insurance coverage is available
the checks he had deposited had actually been • Remember that there is no legitimate online via the Share Insurance Tool Kit at http://www.
returned, and that he owed the bank all the reason why anyone who wants to give you a
money he had withdrawn. ncua.gov/Resources/ShareInsuranceToolkit.aspx.
check or money order would ask you to send
Smith has not heard from his business partner money anywhere in return.
since and doesn’t even know who she really is.
He still owes his bank money, is unemployed and
doesn’t know what action the bank might take (“Checking for Check Scams,” CNNMoney.com,
against him. Scott Spoerry, CNN senior producer, May 28, 2009)
Work WIth And The Big
(Pictured L to R: Barbara James, Member;
Kyna Garrett, Assistant Store Manager, Beaumont)
Someone Winners Are…
you truSt! In April, FivePoint held a “Greetings from Hawaii”
loan promotion and the grand prize for one lucky
member was a vacation worth up to $5000. The
promotion was a huge success and the lucky winner
was Barbara James. Congratulations to Barbara!
James Deleon
We also had a “Yard Sale” Home Equity and Mortgage
loan promotion and the winner received $10,000 in
landscaping from Jay’s Landscape in Beaumont.
Matt Borel
Not only did we give away the big prize, we also gave
A Message from the MEMBERS each member that funded a loan a gift card worth
Financial Services Program $100 to Jay’s Landscape.
• Is your retirement money invested properly? The promotion ran from May 1st through June 31st
• Will you have enough income in retirement? and the lucky member that received the FREE
• How will you pay for a child’s education? landscaping was James Deleon.
• Financially, what would happen to your family
if you died? Look for the before and after
• How will you pay for long-term care? lanscaping pictures of Mr. Deleon’s
The Members Financial Services Program home in our next issue of Dollar Saver.
located at FivePoint Credit Union has one
objective: to help you reach your financial
goals. We’re here to help you make sound
financial decisions consistent with your risk
tolerance, investment time-lines and goals.
The program works in cooperation with your
credit union and complements the products
and services the credit union makes available to
you. Together we can provide a total package to
help you realize your full financial potential.
When it comes to insurance and investments,
we understand the importance of a trusted
partner. Contact Matt Borel, Members Financial
Services Representative, today at 409-984-2270
for a no-cost, no-obligation appointment.
OuR BRIDGE CITy
Representatives are registered, securities are sold, and investment
advisory services offered through CUNA Brokerage Services, Inc. (CBSI),
member FINRA/SIPC, a registered broker/dealer and investment
STORE IS BACK
advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866)
512-6109. Nondeposit investment and insurance products are not
federally insured, involve investment risk, may lose value 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. The devastating floodwaters of Hurricane Ike destroyed our Bridge City Store. For eight long months, FivePoint
B2MM-0205-8114 employees worked tirelessly to serve our Bridge City members through our Community Store and a temporary
building. On May 5th, the official ribbon was cut and the grand opening of the new and improved Bridge City
Store was put into play. Stop by and say hello and be sure to check out the newly renovated FivePoint store.
We are pleased with the new layout and we think you will be too!
Out & About
with FivePoint
Relay
for Life
FivePoint Credit Union employees, family
members and friends participated in the Relay
for Life walk on April 24, 2009. The event was held
at Bulldog Stadium, which benefits the American
Cancer Society. The FivePoint Relay Team, called
FivePoint Fury, raised $25,034.57 and was named
2009’s Super Team of the year! Also, one of the
credit union’s employees, Candy Harrison, was
named 2009’s Leader of the Pack. This award is given to a cancer survivor who
demonstrates the true spirit of Relay for Life
through leadership, fundraising and advocacy. We
are all so proud of you Candy! FivePoint would like
to thank our corporate sponsors Texas Auto Works
Collision Center, Vin’s Paint and Body Shop, SE Texas
Collision Repair Group, Like New Automotive and all
other business and individuals who contributed to
our team. The staff of FivePoint would also like to
send a big thank you to our membership and the
community for their support of this noble cause.
Without your contributions we would have never
reached our goal.
FivePoint Credit Union
Donates $10,000
to Bridge City Project Graduation
John Gothia, President of the Bridge City Project
Graduation Committee, turned to the media to
ask the golden triangle for help. Bridge City was
short $25,000 from the 2008 fund raising figures.
Because of Hurricane Ike the donations were down
and fundraisers didn’t flourish like in the past. He
said Bridge City wanted to give their students the
celebration they deserve and asked anyone to
contact him to donate money or giveaways.
FivePoint Credit Union answered his call by donating Committee. “We heard this and thought it would be a really great opportunity and a great cause,” Erik Shaw
$10,000 to Project Graduation. Erik Shaw, President said. “What better way to give back to the community than to give the kids some place to go on graduation
and CEO of FivePoint, presented the $10,000 check night.” “This is a huge boost to our funds,” Gauthier said. “I was probably speechless, which is really hard for me. This
to the graduating seniors, BCISD staff and Board just goes to show that the community will respond if you let them know what your situation is. FivePoint definitely
members and the Bridge City Project Graduation went above and beyond here.”
Out & About Continued
IRAs Play an Increasingly
CARE Fund Important Role in Saving
2008-2009
Employees have had another successful year raising for Retirement
money for the CARE Fund, Community Action for To ensure a financially secure retirement, Americans will rely on the “three-legged stool” of retirement savings in which
Responsible Employees. In May of last year, employees Social Security, employer-sponsored retirement plans, and personal savings provide income during retirement.
selected two charities in the area that needed our help. As retiring baby boomers put added strain on the Social Security system and company-sponsored retirement plans are
They were Family Services of Southeast Texas (Women’s replaced with defined contribution plans, IRAs play an increasingly important role in saving for retirement, according to
and Children’s Shelter) and the Humane Society of the most recent report from the Investment Company Institute, the national association of U.S. investment companies.
Southeast Texas. The report found that IRAs represent more than one-quarter of U.S. total retirement assets and account for 10% of all U.S.
household financial assets.
As of May 2008, 41% of households owned an IRA and the traditional IRA was
the most common IRA type. Twice as many households own traditional
IRAs (32%) as own Roth IRAs (16%), due in part to rollovers from
employer-sponsored retirement plans. A Traditional IRA may
provide you significant immediate tax saving, and due to the
deferral of all taxes on earnings, the power of compound earning
Employees donated a small portion of their paycheck in
is strengthened.
order to give back to the community. FivePoint is proud to
say that each organization received a check for $1422.76. With a Traditional IRA:
The check presentations were made at a breakfast • Earnings accumulate tax-deferred
reception on June 10th. Plus, during the past year,
• Contributions are tax-deductible if you qualify
employees have gone the extra mile to help with some
immediate needs of these organizations. Roth IRA’s offer unique and exciting savings opportunities,
and they’ve gotten better over the years. Roth IRAs give
Women’s and Children’s Shelter: many members an easy and safe way to plan for
· A clothing drive was held to help the SACS resale shop the future.
in the Colonnade shopping center. The proceeds from
this resale shop go toward helping with expenses of the With a Roth IRA:
shelter. • Contributions are allowed at any age
· FivePoint employees collected enough clothes to fill (with earned compensation)
two large vans. The employees also collected additional • Qualified distributions are tax-free
laundry and dish soap, cleaning supplies, baby wipes, • Flexible withdrawal options are available
brooms, paper towels, shower shoes, hair products,
razors and tooth paste in order to stock the pantry with
everyday items.
For the Humane Society: It’s
· An extra collection was held to help with immediate
needs. Those donations went toward a new floor scale AlreADy
to weigh the animals inside the shelter instead of having
to take them to the clinic. hurrIcAne
seAson.
· Other immediate items included bleach, office supplies
and the extra $200 needed to sponsor 3 dog beds.
The participants of the CARE Fund are so very proud of
what they could do to give back to the community and
the difference they could make in someone’s life.
NEW Website
coming soon
A new look is coming to FivePoint’s website.
We are currently redesigning our website and you’ll
find a few things easier to navigate. You’ll be able to Are you PrePAreD?
login to your account right from the home page and Pick up your hurricane Preparedness card today! In
have more information at your fingertips. By making case of an evacuation, this card has important phone
the site interactive, you can watch the latest FivePoint numbers and routing numbers you might need. It’s
information you can use right at your fingertips. these
video, view community photos and give us feedback,
wallet-sized cards are available at any of our FivePoint
all from our new website. And if you want to do a stores, or you can simply cut out the information in this
little banking, you certainly can do that too! Log on to Dollar saver and take it with you. remember, we’re here
www.5pointcu.org and watch for the new design. for you, no matter where you are.
We would like
Employee to hear from you
Anniversaries We are conducting a survey and need your
feedback. We would like to know how many
of our business members are currently using
or would be interested in using QuickBooks.
QuickBooks would be a FREE service to
merchants who have a business account with
us. Give us your feedback by emailing us at
info@5pointcu.org.
Credit Card
Balance
Jennifer Webb Theresa Moyers Melissa Kenny on Home
5 Years 5 Years 5 Years Banking
Now Active
Exciting news in Home Banking.
Now you can access your FivePoint credit
card balance while you are logged into Home
Banking. Look for the Credit Card tab at the top,
click on it and that’s it! You will be able to select
your card(s) and look at transactions, statements
and make payments, all within Home Banking.
No need for multiple passwords.
Sara Glass Cheri Smith Theresa Edwards
5 Years 10 Years 15 Years
In the market
for a nice, clean
pre-owned vehicle?
Kathy Daily Carol Bertrand Corliss Jones
15 Years 20 Years 30 Years
It’s Simple!
Holiday Go to www.5pointcu.org and click
on the “Online Tools” button. You can see
Closings our selection of vehicles and submit bids
online. If you want to see them in person,
stop by our Port Arthur store and look for
September 7th ....................... Labor Day the PRE-OWNED sign.
November 26th - 28th ........... Thanksgiving
December 24th-26th ............. Christmas Pre-Owned
Vehicles
Port Arthur Beaumont Lumberton Bridge City Nederland
Mailing Address | PO Box 1366 | Nederland,Texas 77627
800.825.8829 www.5pointcu.org Email: info@5pointcu.org
Lobby Hours Drive-Thru Hours Saturday Lobby
Monday-Friday 9 am - 5 pm Monday-Friday 7 am - 7 pm Nederland
(Port Arthur, Beaumont, Lumberton, Saturday 9 am - 1 pm 9am - 1pm
Bridge City, Nederland) Port Arthur, Beaumont,Lumberton, Nederland
Bridge City Store
7:30 am to 6 pm
Saturday 9 am - 12 noon
Off Site ATM Locations
BeAuMOnT FastLane # 16 GROVeS PORT ARTHuR
FastLane # 2 205 IH – 10 North FastLane # 27
190 North Major 3911 Pure Atlantic FastLane # 18
Drive FastLane # 24 3648 Hwy 73
3875 IH – 10 South FastLane # 29
FastLane # 3 5410 West Parkway SILSBee
5610 College Street FastLane # 25 Super Wal-Mart
2245 IH – 10 & Wash- JASPeR Murphy Oil Station
FastLane # 5 ington Super Wal-Mart
3890 IH – 10 South Murphy Oil Station VIDOR
FastLane # 26 FastLane # 4
FastLane # 6 10915 Eastex Fwy LuMBeRTOn Hwy 105 & FM 1132
1755 East Cardinal FastLane # 1 Please
Drive & MLK FastLane # 28 901 North Main FastLane # 14
1650 West Cardinal Drive 695 West Railroad do your
FastLane # 9
FastLane # 33
neDeRLAnD part and
2810 Eastex Fwy FastLane # 12 WeST ORAnGe
4115 East Lucas 104 Memorial Hwy Super Wal-Mart recycle
FastLane # 10
7395 Hwy 105 & FastLane # 34 FastLane # 17
Murphy Oil Station this
Major Drive 195 IH – 10 North 839 Nederland Avenue WInnIe newsletter.
FastLane # 13
FastLane # 11 Jefferson County Southeast Texas Regional IH – 10 & FM 1663
255 Dowlen Road Courthouse Airport
Pearl Street
FastLane # 15
10910 Eastex Fwy Lamar Montagne Center
Presort Std
U.S. Postage
PAID
PC Mailing Services
Money for Loans. Right here at Home. 78217
PO Box 1366 | Nederland, Texas 77627
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