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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 firstname.lastname@example.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: email@example.com 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