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                                 January 2009
                                 UT Federal Credit Union

                                                                                                                                             IN THIS ISSUE

                                                redit Union M                                   ember,                                     UTFCU Expansion
                               Dear UT Federal C
                                                                                                                 the unfortu-                 Continues!
                                                                                        out a reminder of
                                                      ten to th   e daily news with                                union for
                                newspaper or lis                                           rn to their credit                               New branch on
It is ha  rd to pick up the                              s. In toug  h times people tu                            edit union is
                                n our country face                                         rance that the cr
        economic situatio                       d financial decis     ions, and for assu
                       ility to make soun                                                                                                     Emory Road
 guidance, the ab                                  rest.
                          bership’s best inte
 acting in the mem                                                                                                 than at any
                                                                                          ancially stronger
                                                             deral  Credit Union is fin                               r lending
                                    embers that UT Fe                                      est standards in ou
  We wa     nt to assure our m                              ays m   aintained the high                            our members,            New Product Update:
                                    ry. UTFCU has alw                                   financial needs of
  time    in our 40-year histo                          r positio   ned to meet the                                 l services to
                               UTFCU been bette                                           gh quality financia
   prog   rams. Never has                        any years of sa     fe, sound, and hi                                                      Mobile Banking,
                          ard to offering m
   and we look forw                             ns to come.
   our members for
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                                                                                           h educational initi
                                                        ing our co     mmunity throug                             heritage as a
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                                  mmitted to help
                                                       d will cont    inue to stay true
                                                                                          to our university
                                                                                                                       the web site
                                 ent. We have an                                              s, please look on
    com    munity involvem                          a list of our ed     ucational seminar
                             ational field. For
     leader in the educ                          u item “Financial
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                                                                                               UTFCU is reaching
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                                                                         others are facing,                  s, Home Buying 10
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      members with in                                                    cts 101, 10 Financia               Buy a Car, and ot
                                     Spending    Plan, Financial Fa                          eft), How to
       Budg   eting - Creating a                      n’t Become a      Victim (identity th
                                                                                                  ng your friends, fa
                                                                                                                           mily and              $25
                              ur Credit Score, Do                          minars and referri
       Understanding Yo                             attending the se                                      ote referrals on th
                                   your part by                                            ive to prom
       subj   ects. You can do                           giving yo    u a special incent                                 many  choices
                               UTFCU. We’re even                                                edit union offers
        neighbors to join                                                  word that your cr                                       ople
                                    wsletter. Yo   u can spread the                            ise, “Friend   ly, responsive pe
        ba  ck cover of this ne                        cial needs.     Our branding prom                                                    UTFCU turns 40!
                                r members’ finan                            financial needs,”
                                                                                                says it all.
        for all stages of ou                        r your lifetime of
                               the solutions fo
         helping you find                                                                                             nology and
                                                                                              the areas of tech
                                                            financia   l education and in                                 such as an
                                      ion is a leader in                                         increase services,
         UT   Federal Credit Un
                                      several initiatives
                                                              taken by     UTFCU in 2008 to                         to completely           Keep up to date on:
                                                                                            untry, the ability
          se rvices. There were                         anch netw      ork across the co
                                  twork, shared br                                                    anch locations.
          expanded ATM ne                                                      rvices, and new br                                            Fraud, Phishing,
                                  line, mobile ba     nking, business se
           open accounts on                                                                                            ankful for the
                                                                                               ad and we are th
                                       t our newest bran
                                                               ch in Po   well on Emory Ro                              where we are          Identity Theft
                                                                                               We would not be
           W  e are excited abou                                us to m   ake this happen.                               We appreciate
                                       bers who allowed                                         union and vision.
            su pport of our mem                           rs’ commitm      ent to our credit
                                    t for our membe
            today if it were no                      r credit union.
                                  d loyalty to ou                                                                                            Annual Meeting
             your business an
           Debbie H. Jones, C                                                                                                                  Information

                                                                                                                                     Your Community Credit Union!
       Main Office - 2100 White Ave.
     Knoxville, TN 37916 865-971-1971

     Hospital Branch - 1924 Alcoa Hwy.
     Knoxville, TN 37920 865-305-6691

Franklin Square Branch - 9700 Kingston Pike
    Knoxville, TN 37922 865-971-1971

              Farragut Branch                                                  We’re part of your community on Emory Road!
           Renaissance | Farragut
       12744 Kingston Pike, Ste. 104                                  Watch for the grand opening in March of UT Federal Credit Union’s expansion
                                                                      into the communities of Powell and Halls. The completion of this new 3,000 sq. ft.
     Farragut, TN 37934 865-971-1971
                                                                      branch on Emory Road marks an opportunity to serve a large population of our
                                                                      membership and to extend credit union benefits to people who live and work in
        Martin Branch - 103 Hurt St.                                  the area. We are pleased to have an experienced staff already in place headed
       Martin, TN 38237 731-587-5451                                  by Beth Wade, branch manager, and Lakesha Reeves-McKnight, assistant branch
                                                                      manager. We look forward to greeting you there!
    Memphis Branch - 910 Madison Ave.
    Memphis, TN 38103 901-448-3600                                                                  TELE TRANS
                                                                                             865-971-1798 • 800-264-1798
             Opening in March at                                                         
         707 East Emory Rd. in Powell                                           President/CEO - Debbie H. Jones                              Editor - Malinda Wood
                   Please be aware that you may be asked to provide additional documentation for the purpose of verifying your identity or address when requesting
                additional services at the credit union. UTFCU is committed to doing all that we can to help protect our members from becoming a victim of identity theft.

                                                                                                                                                                              PSRT STD
                                                                                                                                                                             US Postage
                                                                                                                                                                             Powell, TN
                                                                                                                                                                              Permit #1

Refer a New Member & Receive $25
Here’s your chance to share something great with
your family, neighbors, and friends. Extend an
invitation to open an account at UT Federal
Credit Union, then your account and theirs will be
credited with $25. It’s just that simple.

Earn A Reward For Each New Member!
For each new member you refer, up to two, you’ll
receive a $25 cash reward.

Refer New Members Your Way!
Use this newsletter, ask for a referral coupon at the
branch, or go online at to print off a coupon
and share the news with your friends. When your referral
joins, you’ll get your $25 reward. Hurry! Offer ends 3/31/2009.

Who Can Join?
Anyone who lives, works, regularly conducts business, volunteers, worships or
attends school in Knox, Anderson, Blount, Loudon and Union counties in Ten-
nessee. Also, current members and their family, regardless of where they reside.
Spread the word to your friends, neighbors, and family to join U at UTFCU.
                                                                                                                                          Victim of ID Theft?
         Milestone celebration                                                                                                              4 Calls to Make
      Celebrate the Credit Union
      Difference as UTFCU Turns 40                                                                                                          FasT
      The credit union difference means you
      receive lower loan rates, competitive
      savings rates and outstanding member                                                                                             1 Credit Bureau Fraud
      service. Since the day we opened in 1969,                                                                                          Unit (select one):
      our members have turned to UTFCU to                                                                                                  Equifax; 800-525-6285
      help them improve their lives and achieve                                                                                            Experian; 888-397-3742
      their dreams.                                                                                                                        TransUnion; 800-680-7289
                                                                                                                                       2 Creditors
      2009 marks our 40th anniversary                                                    of the early days of the credit union to
                                                                                                                                           Close affected accounts.
      celebration, and we’d like you to be a part                                        a wider audience beginning with a special
                                                                                                                                           Fill out and mail the ID theft
      of it. For example, we have an online                                              presentation at the annual meeting in
                                                                                                                                           affidavit found online
      scrapbook for you to share stories about                                           March, please contact Malinda Wood
      how UTFCU has helped you. And, if you                                              at 865-292-0144 or
      are a founding member of the credit                                                Look for celebration details on the web
      union and would like to share memories                                             site and monthly statements.                  3 Local Law Enforcement
                                                                                                                                           File a police report and get copies.

                                                                                                                                           Start where the ID theft took place.
                                                                                                                                       4 FTC Hotline
                                                                improvements                                                               877-IDTheft (877-438-4338).
                                                                                                                                           idtheft/ for more information.
                                                                           Making banking easier                                                  NO Phishing
                                                       External Account Transfers – Now available! This new feature                    If you get a message asking you to
                                                       allows you to move money into your UTFCU account or                             verify personal information, it didn’t
                                                       transfer funds to an account you might have at another                          come from your credit union!
                                                       financial institution.
                                                                                                                                       UTFCU will never send you a letter,
                                                                                                     Mobile Banking – Now available!   text message, or e-mail asking for
                                                                                                     This new feature allows you to    your account numbers, usernames,
                                                                                                     manage your accounts on your      passwords, or Social Security number.
                                                                                                     mobile phone to check balances,   If you get a message like that – called
                                                                                                     view transaction summaries,       phishing – don’t bite.
                                                                                                     transfer funds between your
                                                                                                                                       Instead, call UTFCU to find out how to
                                                                                                     UTFCU accounts, and quickly
                                                                                                                                       protect yourself from identity theft.
                                                                                                     find ATM and branch locations.

 Take a Bite Out of Your Debt
 with a Balance Consolidation Loan at UTFCU.
 Consolidate your high interest credit cards and unsecured loans
 into a low, fixed APR* of 5.99% Visa Gold or MasterCard
 until you pay off your balance!

              971-1971 • 800-264-1971 •
*APR – Annual Percentage Rate. Balances with promotional rate are paid off first. Transferred balances
receive the 5.99% fixed APR until paid in full. Rate returns to the rate referenced in your cardholder agree-
ment if this card becomes more than 110% over the credit limit or 62 days or more delinquent. Other UTFCU
loans cannot be paid off with the promotion. Balance transfer promotion available through 3/31/2009. Pur-
chases do not qualify for the promotional rate. For a copy of the credit card disclosure or to obtain current
rate information, please call us at 865-971-1971 or 800-264-1971, or write to us at UT Federal Credit Union,
2100 White Ave, Knoxville, TN 37916. Some restrictions apply. Must qualify for credit.
UTFCU Board Nominations & Annual Meeting, March 31
Credit unions are not-for-profit, member                                                                           and M.B.A. from UT Martin; UT Federal                                          New for Business
owned co-operatives, governed by a                                                                                 Credit Union Supervisory Committee                                             accounts! accept credit,
volunteer Board of Directors comprised of                                                                          2008; credit union member since 1992.                                          debit card payments.
members who ensure the credit union is be-
                                                                                                                   In addition to the slate of nominees                                           Take your business to the next level with
ing managed in a sound and secure manner.
                                                                                                                   filed by the Nominating Committee, you                                         electronic payment processing offered
According to the credit union’s bylaws,                                                                            may also nominate yourself or another                                          through a trusted partner, NewtekTM. For
the Board of Directors appointed a                                                                                 member by submitting a petition bearing                                        more information, visit
Nominating Committee comprised of                                                                                  the signatures of at least 265 UT Federal                             under the
three active credit union members, and                                                                             Credit Union members.                                                          Business Banking tab or
charged them with the task of nominating                                                                                                                                                          call 865-971-1971,
                                                                                                                   Each nominee by petition shall submit                                          800-264-1971, or ask at
qualified members to fill vacant positions
                                                                                                                   a statement of qualifications, biographi-                                      any branch.
on the UT Federal Credit Union Board of
                                                                                                                   cal data, and a signed certificate stating
                                                                                                                   they are agreeable to nomination and will                                      Accepting elec-
The nominating committee has the                                                                                   serve if elected. The deadline for receiving                                   tronic payments
following nominees to present to the mem-                                                                          nominations by petition is February 17,                                        can increase
                                                                                                                                                                                                  your sales, cash
bership for the 2009 election:                                                                                     2009. The complete list of nominees will
                                                                                                                                                                                                  flow, customer
                                                                                                                   be posted in each branch office and on
Paul Bates – East Tennessee Children’s                                                                                                                                                            satisfaction, and
                                                                                                                   the web site at on Febru-                                        allow your cus-
Hospital, Knoxville, Vice President,                                                                               ary 24, 2009.
Human Resources; B.S., M.S. and M.B.A.                                                                                                                                                            tomers payment
from UT Knoxville; UT Federal Credit                                                                               In compliance with credit union regula-
Union Board Member 2008; Personnel                                                                                 tions, no ballots will be mailed. If a peti-
                                                                                                                                                                                                  With UTFCU, your
Committee, 2008-present; credit union                                                                              tion to run for the board is received before                                   business can accept
member since 1985.                                                                                                 February 17, 2009, a vote will be held at                                      payments such as:
                                                                                                                   the Annual Meeting. No nominations will
Dr. James Brace – University of Tennes-                                                                            be taken from the floor at the meeting.                                        •	Credit & Debit Cards
see, Knoxville, Professor and Associate                                                                            Newly elected members to the Board of                                          •	Electronic Check
Dean, College of Veterinary Medicine;                                                                              Directors will be announced at the Annual
B.S. and D.V.M. University of California                                                                           Meeting.                                                                       •	ACH Processing
Davis; UT Federal Credit Union Board                                                                                                                                                              •	E-commerce
Member 2003-present; Policy Committee                                                                              Any questions or inquiries should be                                             Services
2003-present; Supervisory Committee                                                                                directed to 865-971-1971, ext. 144.                                            •	Gift and Loyalty
1990-2003; credit union member since                                                                                                                                                                Card Programs
                                                                                                                   The Annual Meeting will be held on
                                                                                                                   March 31, 2009, at the UTFCU Main
Charles (Charley) T. Deal – The Univer-                                                                            Office on White Avenue. Refreshments
sity of Tennessee at Martin, Assistant                                                                             begin at 5:30 p.m. and the business                                              Get started today!
Vice Chancellor, Alumni Relations; B.S.                                                                            meeting starts at 6 p.m.

                                      Want                                                                                                  Get Up To $200 Cash For
                                                                                                                                            Your Auto or Truck Loan

                                      $200?                                                                                         Want out of that high car payment? Looking for loan rates better than
                                                                                                                                    banks are offering? Get your loan at UT Federal Credit Union and
                                                                                                                                    receive up to $200 cash and a low monthly payment for a car or truck
                                                                                                                                    financed through another lender or if you’re buying a new auto.

                                                                                as low as                                                       Transferred loan balances of:

                                                                              4.24                             %
                                                                                                                                                    $20,000 or more                                                                 $200 cash
                                                                                                                                                    $10,000 to $19,999.99                                                           $100 cash
                                                                                                                                                    $5,000 to $9,999.99                                                              $50 cash
                                                                                                               Fixed APR*           *Reflects UTFCU’s best rate. APR = Annual Percentage Rate. 60 month term. Monthly payment would be $18.53 per $1,000. Other rates and terms
                                                                                                                                    may apply. Rates based on amount of loan, type of collateral, and individual credit history, or type, mileage and age of the collateral. Rates subject to
                                                                                                                                    change. Some restrictions may apply. Must have automatic payment. Does not apply to existing UTFCU loans. New money only. Limited time offer.
             Your savings federally insured to at least $250,000

                                                                              Federally insured by the NCUA.
    and backed by the full faith and credit of the United States Government

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