Is my money safe?
A message from the President
The current financial news has caused great concern and confusion for many of our members. You work
hard for your money and I want you to know that we take your trust and confidence in us very seriously.
Please rest assured that Call Federal Credit Union is safe and prepared to sustain the uncertain times. Our
simplicity and cooperative spirit has left us unscathed in the midst of today's financial news. We are proud to
serve people, not corporations. The cooperative principles of your credit union make us a safe harbor from
the rest of the uncertain financial world.
The Cooperative Principle: Putting your money into the credit union makes you the owner! As with any business,
we make decisions based on the best interest of the owners. For-profit institutions make decisions for the best interest of
the owners as well, but many times they are not the depositors. Our cooperative principle protects you by ensuring that
we make the best decisions for you and your money.
Your Funds are Federally Insured: You may have often wondered why we have the word, “Federal” in our name.
It’s a great reminder that we are federally insured and backed by the full-faith of the National Credit Union Share Insur-
ance Fund (NCUSIF). Call FCU has Strong Capital: Over the years, we’ve been smart to reserve enough to help us
weather the up’s and down’s of the economy.
Strategic Asset / Liability Management: That’s a mouthful that simply means that we constantly evaluate and
measure our financial health. It keeps us aware of our exposure to various risks.
Loan and Deposit pricing: We continually monitor the marketplace weekly to make sure we offer fair and com-
petitive loan and deposit rates. In fact, the rates offered to our members are calculated to provide safety and maintain
financial strength. We won’t jeopardize our financial health to be the highest or lowest, but rather consistently offer fair
prices so our membership can feel confident they will get a great deal everyday at Call FCU.
Operating with a conservative budget: We operate within a conservative and well-positioned budget. This bud-
get is reviewed each month with our Board of Directors, which is a group of volunteers elected by you. They make sure
we are fiscally responsible so that we can return the most money back to our member owners in the form of dividends.
Accountable Officials and Dedicated Staff: Our not for profit nature ensures that your elected and appointed
officials take their positions seriously and stay accountable to you, our members. Our staff also takes pride and has the
sincere desire to provide the support and encouragement you need to improve your financial life.
Our Vision is to empower our members to be the heroes of their financial lives. We take this very seri-
ously and work hard to protect you and your family. Should you have any concerns, questions or just need an ear to
listen, you may call me directly at 804-274-1280.
Your friend and financial advocate,
President / CEO, Call Federal Credit Union
Clouds on the Ceiling? Bright colors? Is it Vegas?
Nope! It's Just Our New West End Location!
Maybe it's the clouds on the ceiling? Maybe it's the
bright, bold colors? Maybe it's the giant letter "i"
character that greets you at the door? One step
into Call Federal Credit Union's new branch in the
West End and you realize this is not your typical
financial institution. In fact, we've become quite
proud of being a refreshing alternative.
"We decided to take our brand and incorporate it
into a very unique design that speaks to our
members exactly who we are." says CEO, Roger
Ball. "We are proud to offer friendly services to
friendly people. Our vision is to empower our
members to be the heroes of their financial lives.
The clouds on the ceiling, the bold colors, the
New West End Branch:
verbs on the windows - it's all a reminder of what 3660 Mayland Court
we are here to do." Richmond, VA 23233
In an age when the financial world is changing rapidly, your credit union Hours:
remains a refreshing, safe alternative. Come out and see it for yourself, Drive Thru: M-F 8am - 6pm
and give us an opportunity to show you there are no limits but the sky! Lobby: M-F 9am - 5pm
Sat: 9am - 12pm
Dividend Rates Loan Rates
as of September 23, 2008
Type of Account APR APY*
As declared by the Board of Directors on September 23, 2008
Type of Loan APR*
Savings (Share Account) 1.50% 1.51% Vehicle Loan (New or Used) 4.75% - 11.50%
Checking 0.75% 0.75%
Signature Loan 9.00% - 15.00%
Rainy Day Account 1.50% 1.51%
IRA Savings Rate 3.00% 3.03% Line of Credit 9.00% - 15.00%
(Traditional, Roth, and Coverdell Savings Accounts)
Overdraft Protection 9.00% - 15.00%
Enrich Youth Account 5.87% 6.00% Visa Classic 12.00% Fixed
(Rate on first $1,000. All funds above this are at the regular share account rate.
Must be 18 or younger) Visa Platinum 6.00% Variable
Share Certificates & IRA Certificates (Min: $1,000) Home Equity Line of Credit 5.50% Variable
Contact us for Current Rates.
First and Second Mortgages Call 804-274-1231
Money Market (min $10,000)
$10,000 min 2.23% 2.25% Certificate Secured Cert. Rate + 3.00%
$25,000 Min 2.47% 2.50%
$50,000 Min 2.72% 2.75% Share Secured (1-36 months) Share Rate + 3.00%
Share Secured (37-60 months) Share Rate + 3.50%
Rates are as of September 23, 2008 and are subject to
change *APR = Annual Percentage Rate. Rate based on creditworthiness; ask a Loan
*APY = Annual Percentage Yield. Representative for your qualifying rate. Rates are subject to change at any time
Restore Your Financial Health:
Our Partnership with ClearPoint Financial Solutions can
help you get back on your feet.
It is a historic moment in our history and a great opportunity for our mem-
Warning signs of
Call FCU has partnered with ClearPoint Financial Solutions, a non-profit
financial distress: credit counseling agency, to provide our members with access to a certified
• Monthly expenses credit counseling expert. With ClearPoint's help, we will be able to provide
exceed income our members:
• Paying only the • Help to analyze and understand your credit reports
minimum payment • Strategies to improve your credit scores over time
• Personalized Debt Management Programs
• Late with rent, • Guidelines and advice for bankruptcy preperation
mortgage or other bills
• Financial education and awareness
calls at home or work For more information or to set up an appointment, call Scott Gregory toll-
free at 1-877-524-9998, visit our website at www.callfcu.org or go directly
• Denial of credit to ClearPoint's website at www.ClearPointFS.org/CallFCU.
Retirement Rollovers Seminar: Oct. 21
Get the expert advice you need: October 21st, at 3:30pm at Call Federal Credit Union's Main Office.
Call 804-274-1212 for reservations. Seating is limited.
Your Unique Financial Journey
A Message from the Call Federal Investments and Retirement Program
Just as your life-style and goals are different from other people, so are your financial needs.
Do you need to tackle one of the following financial issues today?
· Do you need help with a 401(k) or pension plan rollover?
· Will you have enough income in retirement?
· Are you managing your investments as well as you can?
· How will you pay for a child’s education?
· Financially, what would happen to your family if you died?
· How will you pay for long-term care?
Or do you need to develop a financial roadmap to coordinate all of your total financial needs? Whatever
your situation may be, the Call Federal Investments and Retirement Program located at Call Federal Credit
Union has one objective: to help you reach your financial goals.
Retirement, Insurance and Investment Services for Life.
When it comes to insurance and investments, we understand the importance of a trusted partner. Contact
George Thompson today at 804-274-1212 for a no-cost, no-obligation appointment.
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member
NASD/SIPC, a registered broker/dealer and investment 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
To emp ower
our mem eroes
of their fina
For General Information: Tip #64
1 - 800 - 796 - CFCU Now may be a great time to refinance your mortgage. Rates
Mon - Fri: 7:00am - 7:00pm
are still very low at the credit union and you may even be
The Call Line: 800-445-0361
Mortgage Rates: 804-274-1231 able to reduce your term while paying off debt. Rates change
Delinquent Accounts: 804-274-1221 daily. Visit www.iWontDroptheball.com or call 804-275-1275
Toll Free Fax: 1-800-784-CFCU to find out how we can help you.
4605 Commerce Road
Richmond, VA 23234
Mon - Thurs: 9:00am - 5:00pm
Fri: 7:00am - 5:00pm
Mon - Fri Drive Up: 7:00am - 6:00pm
Next to Costco
3640 Call Federal Drive
hours to serve you better!
Midlothian, VA 23112
Mon - Fri: 9:00am - 5:00pm Our Drive Thru hours have expanded Mon - Fri:
Sat: 9:00am - 12:00pm
Mon - Fri Drive Up: 8:00am - 6:00pm The Main Office (Commerce Road): 7am - 6pm
West End: 8am - 6pm
Mechanicsville Branch Chesterfield (Hull Street): 8am - 6pm
7474 Lee Davis Road, Suite #5
Cabarrus: 7am - 5pm
Mechanicsville, VA 23111
Mon- Fri: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
NEW! West End Branch
3660 Mayland Ct.
Richmond, VA 23233 Dear ATM Card Users:
804-249-6888 Within the next few weeks you will be receiving a new ATM card to
Mon- Fri: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
replace your old one. The new card will have an increased daily
Mon - Fri Drive Up: 8:00am - 6:00pm limit from $750 to $1000 and the business day will be from 4pm
to 4pm. If you live near a Call FCU ATM, you may change your
Media General Branch
(inside the Media General
PIN to one of your choice. Any card cards starting with numbers
building downtown) 5816 will stop working on October 31, 2008.
300 E. Franklin Street
Richmond, VA 23293
If you have any questions, please contact the Plastics
Mon- Fri: 8:00am - 3:30pm Department at 804-274-1287.
Concord, NC Branch
268 Concord Parkway South
Concord, NC 28027
Your savings federally insured to at least
Mon & Fri: 7:00am - 5:00pm
$100,000 and backed by the full faith and
Tues - Thurs: 9:00am - 5:00pm credit of the United States Government.
Mon - Fri Drive Thru: 7:00am - 5:00pm National Credit Union Administration, a US