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Sep 04


									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!
       Community Corner
    • 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                     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                                                                                                                                              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     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

                                 wipe, Si
      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.
      generates extra
      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
                                                                                                                                                       Mike Larson,
      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
                                                                       Great Rate
                                                                                                                                                                       &                     Cash
      ask the cashier to process your transaction as “Credit.”

                                Make Your Pet                                       See Us

                                                                                    1 st
                                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
                                                                                                                                                                  PLU                                                                      Youu
                                                                                                                                                                                                                                         • You can even refinance loans

    We want to see your pets in pictures! Submit your pet’s                                                                                                                                                                                    fr
                                                                                                                                                                                                                                               f om
                                                                                                                                                                                                                                               from other financials!

                                                                            for all of your
    photo to be featured as the Community First “Pet of the                                                                                                         $

                                                                                                                                                                                                                                         3 99                                          %

                                                                             loan needs!
    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)
                                                                                                                                                                                                                                          ($5,00                 Required)
    calendar. Visit 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.
                                                                                                                            hicle.                                                     e
    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
                                          your money.

                                              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
                                              resource at                        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

                                                                                                                                                                             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                                                            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                                                                        summer storms. Contact the Community First
                                                                                                                                                                             Insurance Center today for a free, no obligation
                                                                                                                                                                             insurance review.

                                   DARBOY                         DE PERE
                                                                                          is published monthly for members
                                                                                          of Community First Credit Union
                                                                                                                                   PHONE CENTER
                                                                                                                                   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                                             

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