Newsline-May10-apr28:Sep 04 5/3/10 10:55 AM Page 1
M AY 2 0 1 0
Get a Great Rate & Cash Back on your Vehicle!
We will be CLOSED on Monday, May 31
in observance of Memorial Day Now is the right time to buy a new vehicle! You’ll save money and get the best loan rate when you finance
with Community First! Lock in a 5 year loan rate as low as 3.99% APR* and take advantage of a 1% rebate
of up to $500 cash back when you finance your next vehicle purchase with us!
• May 5 American Heart Association Go Red For Women –
• 1% Cash Back Loan Rebate up to $500!
Finance your next new or used vehicle with Community
Green Bay, Oneida Golf & Country Club, Green Bay. For First and for a limited time, you’ll receive a 1% Cash
more info, contact Kara at 920-205-8717.
Back Rebate up to $500!
• May 8 American Cancer Society Sole Burner 5k
Walk/Run, City Park, Appleton. For more info, visit
• Finance or Refinance to Save
We’ve helped thousands of members pay off their
• May 16 YARC Walkabout, 10 am at Plamann Park, vehicle loans faster, save on new loans, and refinance
Appleton. For more info, call 920-725-0943. old vehicle loans from other financials at a lower rate
• May 26 American Heart Association Go Red For Women with Community First. Talk to us when you are ready
Check out these low payments
– Fox Valley, Fox Cities PAC. For more info, contact Karen to buy and we can help you save money. on a 5 year vehicle loan
Hoffmann at 920-830-3195. as low as 3.99% APR*
• May 27 Neenah-Menasha Rotary Scholarship Scramble • FREE Pre-Approvals!
Golf Outing, Ridgeway Country Club. For more info, contact Contact us to get Pre-Approved before you start Loan Monthly
Dana Kohlmeyer at firstname.lastname@example.org. shopping for a vehicle. Then enjoy 60 days to shop for Term Amount Payments
the vehicle with a CFCU Pre-Approved Vehicle Buyers Vehicle, 5 yrs $10,000 $184.22
• May 29-31 Celebrate DePere, Voyageur Park, DePere. Check – find the vehicle you want and present the check boat,
For more info, go to www.celebratedepere.com. motorcycle, 5 yrs $15,000 $276.34
as payment – it’s that easy. or RV
• June 12-13 Future Neenah StreetBall Challenge, 5 yrs $25,000 $460.56
downtown Neenah. For more info, visit
• Need Help Finding the Right Vehicle?
Payments based on principal and interest only.
You can use our FREE Auto Buying Service to help you
• June 24-26 Kiwanis Club of Darboy Chickenfest, Darboy find the perfect vehicle! Dread the shopping process? We can
Community Park. For more info, visit www.darboyfest.org. Let us do the work for you! It’s easy. Give us a call and save you
up to 50%
let us know what type of vehicle, new or used, you are or more
Use your Community First Check Card and sign for looking for. Then, we’ll do the research, help you find the on loan
your purchases for a fast and safe way to pay. best value and provide the best financing so you can products
drive it home!
Plus, when you sign like GAP
for your purchase warranty!
instead of using your S Community First is here to help you save money and get
the best loan! Contact Auto Buying Expert Marty today
PIN, the transaction
at 920-830-7200 or toll-free 1-866-273-2328.
income for your credit
union - at no cost to
you! This income helps
us keep fees and loan Community First found a way for me when I was looking for
rates low and pay better a car and a loan. When I came here they sat down with me
a d Go!
and gave me a loan with a payment I was comfortable with.
deposit rates. It’s a
simple way for you to
positively impact your credit union with all of your VISA Member/Owner
Check Card Purchases! and daughter Amelia
If the check-out terminal prompts you to enter your PIN
number, simply choose “Cancel” and select “Credit”,
and then sign for your purchase. If this is not an option,
1% Cash Back
ask the cashier to process your transaction as “Credit.”
Make Your Pet See Us
the CFCU Pet of
the Month! great rebate
• Get a great low rate and a 1% rebate
• Buy new or used
S, get up to
• You can even reﬁnance loans
We want to see your pets in pictures! Submit your pet’s fr
from other ﬁnancials!
for all of your
photo to be featured as the Community First “Pet of the $
3 99 %
Month” in the Fox Valley Humane Association’s 2011 Pet Low
Calendar. A $30 entry fee for your submission includes a Cash Back AS
a 1% Rebate! **
2011 Pet Calendar and supports the Fox Valley Humane
Association. All submitted photos will be published in the
w ith . APR *
($5,000 New Loan Money Required)
calendar. Visit www.foxvalleypets.org for the entry form and
offer.*APR=Annual Percentage um history,
Limited time offer.*APR=Annual Percentage Rate. Minimum $5,000 new money required. Rate determined by credit history, account relationship and loan to value ratio. Checking with Direct Deposit required for best rate. Lowest Annual
complete details. Please note "CFCU Entry" on your entry Percentage Rate available = 3.99% APR. Example: $10,000 at 3.99% APR for 5 years, monthly payment of $213.06. Payment calculation based on principal, interest and loan protection coverage. All loans subject to credit approval. Rebate
Percentage 0 Payment ction
consists of 1%, up to a maximum of $500, of new money ﬁ ﬁnanced with Community First. Rebate check will be mailed wwithin 14 business days of loan closing. Does not apply to Unsecured Loans, Signature Loans, First Mortgages,
form so your photo can be considered for the CFCU “Pet of Mobile Home Loans, Construction Loans, Credit Cards, St Student Loans, Home Equity Loans, Home Equity Lines of Credit or Business Loans and Line of Credit. This special is not v
tudent Creddit offer. Your
valid with any other offer. Your rate is determined
by your account relationship and your credit score and vehicle. Loan must close at Community First Credit Union to be eligible for rebate.
the Month” in the calendar. Deadline is June 30, 2010.
Newsline-May10-apr28:Sep 04 5/3/10 10:55 AM Page 2
Tools for Better Money Management
Saving, spending and keeping track of your money can be time-consuming
and isn’t always easy to do. That’s why we offer tools to help you manage
Free Financial Information Let Us Alert You with
From BALANCE FREE E-lerts!
BALANCE Financial Fitness is a free Manage your balances, minimize fees Life’s Simple Pleasures - WIN $5,000 Cash!
and confidential phone and online and stay better informed about Each time you pay a bill using PC BillPayer during May
financial resource for members of transactions with e-lerts, a free, safe and June, we’ll automatically enter you for a chance to
Community First. You can access this and secure e-mail service of PC Home win $5,000 in cash. Visit www.communityfirstcu.com
resource at www.communityfirstcu.com. Banking that you can customize for for more details.
your accounts and change at any time.
Learn more about:
• Spending Plans Use e-lerts to: Learn How to Use PC Home
• Debt Management • monitor deposits Banking, BillPayer and E-lerts
• Credit Reporting • alert you of insufficient funds
Discover how quick and easy it is to use PC Home
• Checkbook Management • verify cleared checks
FREE! Banking, BillPayer, and E-lerts to view your account
• Housing • send notice of courtesy pay
balances, transfer money between accounts, make loan
• And more
Set up is simple: payments and pay your bills at these FREE seminars!
CONFIDENTIAL Check out the Balance Track tab of Logon to PC Home Banking and Registration is required for each class. If your branch
BALANCE for new podcasts on Money choose Account Options and e-lerts doesn’t have seminars listed below, please call us to set
ONLINE OR PHONE Management and Credit Matters. to set up or modify your e-lerts. up a personal lesson. Register by phone toll-free at
866-273-2328 or online at www.communityfirstcu.com.
Oneida St., Appleton Westowne Ave., Oshkosh
A Message from the MEMBERS Financial Services Program†
Thurs. May 6, 5:15 - 7 pm Thurs. May 13, 2 - 4 pm
Thurs. May 20, 2 - 4 pm
Roth IRA Conversions Manitowoc
Content developed by CUNA Brokerage Services, provided by The MEMBERS Financial Services
DePere Sat. May 22, 9 - 11 am
Located at Community First Credit Union† Thurs. May 27, 2 - 4 pm
Thanks to a new Wisconsin law, IRA owners with modified adjusted gross incomes of more than
$100,000 will be allowed to convert their traditional IRAs to a Roth IRA. One of the benefits of A message from the Community First Insurance Center
converting in 2010 is that any income taxes owed can be paid over two years. The 2010
conversion amount may be included as taxable income in 2011 and 2012, helping spread out
the tax “bite”.
Summer Storm Myths
When it comes to dangerous weather,
There is one important rule to keep in mind when it comes to converting a traditional IRA to knowing what NOT to do can often be
a Roth IRA: you only pay federal income taxes on the portion of the conversion that you haven't just as important as knowing what TO do.
paid taxes on already. For pre-tax IRAs that means all of your IRA will be taxable during Here are a few prevailing myths about
conversion. For non-deductible IRAs, only the growth is taxable. The first step is to speak with an tornadoes that have cost the lives and homes of
experienced financial advisor. They will work with you to review your unique situation and help people who thought they were doing the right thing.
determine whether a Roth IRA conversion makes sense for your retirement needs. Bill Bargholtz, Jason Buchinger,
Roree VanDuyne, Jeff Garrett
Representatives Registered through Myth: Lakes, rivers, and mountains protect areas
The MEMBERS Financial Services Representatives located at Community First Credit Union CUNA Brokerage Services
are available to answer any of your questions and provide you feedback on your IRA options. from tornadoes.
Contact Bill, Jason, Jeff or Roree at 920-830-7200 or 1-866-273-2328 for more information. For Truth: No place is safe from tornadoes. Always be
information regarding specific tax or legal situations, please contact a tax professional or attorney. prepared!
† Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member
Myth: Open windows before a tornado approaches
FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit to equalize pressure and minimize damage.
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. Truth: Virtually all buildings leak! Leave the windows
FR041022-46F2 alone and immediately go to a safe shelter.
Register Today for your event! Myth: Highway overpasses provide shelter from
Sign up for any of the great weekend events – Marathon, Half Marathon, Relay Truth: Take shelter in a sturdy reinforced building if
Marathon, 5K Run/Walk, Kids Fun Run – before August 1 and save with the early at all possible. Ditches and culverts may provide
bird discount. Register online at www.foxcitiesmarathon.org. limited protection but your risk will be greatly
reduced by moving inside a strong building.
Want to participate, but not sure how to start training for an event?
Join the Pacesetters of the Fox Cities in their Saturday Morning Run/Walk, Get the truth about what kind of coverage you need
8 am at Starbucks, Downtown Appleton. For Oshkosh to protect your family’s home against damage from
September 17-19, 2010 times and locations visit www.pacesettersrun.com summer storms. Contact the Community First
Insurance Center today for a free, no obligation
DARBOY DE PERE
is published monthly for members
of Community First Credit Union
Mon - Fri • 7am - 6pm
(920) 830-7200 W6089 Cty. Rd. KK (920) 338-3458 (920) 525-1164 Sat • 7am -1pm
2626 S. Oneida St. GREENVILLE 1700 Lawrence Dr. W5644 Cty. Rd. F DRIVE-UP
509 N. Richmond St. N1230 Cty. Rd. CB MANITOWOC OSHKOSH Mon - Fri • 7am - 6pm
2701 N. Ballard Rd. (920) 684-7148 (920) 966-2424 Sat • 8am - noon Robyn Koehler, Dianne Kersten, Char VanDenHeuvel,
455 S. Nicolet Rd. NEENAH Amy Bruner, Shawn VanDenHeuvel
1100 S. 30th St. 2424 Westowne Ave. LOBBY
1235 W. Spencer St. 125 E. Forest Ave. 1492 W. South Park Ave. Mon - Wed • 8:30am - 5pm Licensed Insurance Agents
2300 Industrial Dr. NEW LONDON
(920) 982-6048 WAUPACA Thurs & Fri • 8:30am - 6pm
Fox Valley Technical College 603 W. Wolf River Ave. (715) 258-7462 Sat • 8am - noon
Appleton Campus, Entrance 10 1006 Royalton St. 24 HR TELLERPHONE
COMMUNITY FIRST INSURANCE CENTER MEMBERS FINANCIAL SERVICES® (920) 830-7325
(920) 738-5474 or (800) 779-1321 Investment Consultations (800) 924-1550
(920) 830-7200 or (866) 273-2328
(920) 738-5474 • (800) 779-1321
PC HOME BANKING • PC BILLPAYER • PC MORTGAGE • e-STATEMENTS www.communityfirstcu.com