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FRANKLIN TRUST FEDERAL CREDIT UNION SPRING/SUMMER 2011 Serving Our Member-Owners Since 1934 OUR “PREFERRED CHECKING” IS SO COOL! NO minimum balance. NO monthly Win service charge. NO per-check charges. 0! $5ETAILS No cost for online statements or online check images. Unlimited debit card use. SEE D E… INSID We even pay for your check reorders! All this – and more – when you have Direct Deposit of your net check to FTFCU. Have your checking account elsewhere? Switch today – and $ave! Franklin Trust FCU Annual Meeting Tuesday, June 14, 2011 • Starting at 7:30 p.m. at Main Office: 632 Franklin Avenue, Hartford, CT Elections and Nominations petition must be filed with the Board Secretary by May 5, 2011. The Elections will be Secretary will post the names of all nominees in a conspicuous held at the Annual place in the Credit Union by May 10, 2011. Meeting for the Board of All elections of Board members will be determined by plurality vote Directors and reports will be presented on the status and progress and will be by ballot, except where there is only one nominee for of your Credit Union. Nominations for the Board of Directors can the position. No nominations can be accepted from the floor be made by resume or petition. unless sufficient nominations have not been made by the Nominations by petition must be signed by at least 65 FTFCU Nominating Committee or by petition to provide for each position members and must be accompanied by a resume from the nomi- to be filled. nee(s), along with a signed certificate from the nominee(s) stating Come join in the fun and participate in the affairs of your agreement and willingness to serve if elected. Nominations by member-owned and member-directed Credit Union! Surcharge-Free ATMs: 30,000 Franklin Trust FCU is part of the CO-OP and SUM ATM networks, with over 30,000 surcharge-free ATMs nationwide! To find a surcharge-free ATM near you, just log on to www.co-opnetwork.org or www.sum-atm.com! Win $50! YOUTH ACCOUNTS: “Like” Franklin Trust Federal Credit Union on Facebook! Good Enter the drawing for $50! Visit www.franklintrust.org and for Your It’s easy… just “Like” us on click the link on our home page Facebook! One person will be to access our Facebook page. Child’s chosen at random on June 30, Or simply enter “Franklin Trust Future 2011 from all eligible entries. Federal Credit Union” on your Introduce your children or The winner will be notified and Facebook page. Don’t delay – grandchildren to the lifelong his/her name will be posted “Like” us today! benefits of saving by opening an FTFCU account for them! on our Facebook page! Only Franklin Trust FCU members (excluding The standard $10 membership fee is waived for youngsters FTFCU employees) are eligible for the drawing. The prize will be deposited into the winner’s aged 18 years and under. Be sure to inquire about the special FTFCU share account. offers that are available for your child’s age group. For details, call us at (860) 296-4379, ext. 110. Sign up for “FRED” FRED (Franklin Remote Electronic Deposit) allows you convenient access to your Franklin Trust account via scanner from anywhere that you have internet access, to deposit checks, submit a loan payment – and more! Save time, postage and gas costs. “FRED” is free for qualified members. For details, call us at (860) 296-4379, ext. 110. Save up to 20% on the Cost of Your Electricity! Save with Sprint! Franklin email from Discount Power will Both new and existing Sprint customers can save 10% off Trust Federal provide a link to confirm your most regularly priced Sprint individual service plans! Enjoy Credit Union enrollment. Your request is then other exclusive offers that only credit union members can wants you to pay a lot less for submitted to your utility receive, too! electricity. In Connecticut, you provider to let them know you can now save up to 20% on the have switched your generation Three Ways to Get Your Discount: generation portion of your elec- provider. On the next meter read - Call 877.SAVE.4CU (877.728.3428) and let them know you’re tric bill. Enrollment is FREE, date, the change will go into a credit union member. Ask to be a part of the NACUC_ZZM easy and there’s NO CATCH! effect. You will see the savings Corporate ID to save on your bill once you have gone Sign up by going to - Click www.SprintSave4CU.com through a full meter read cycle. www.franklintrust.org and Of course, you are welcome to - Visit your nearest Sprint store click on the “Discount Power” bring your electric bill to any button on our home page. All Franklin Trust office. We would you need is a copy of your elec- be glad to answer any questions tric bill. Simply fill out the resi- and help you sign up. dential enrollment form and submit your application. An Sign up today – and start saving! Health Savings Account A Health Savings Account (HSA) affords you flexibility and control over your health care costs. Included among the many benefits of having an HSA is your ability to deduct your contributions, your earnings accumulating on a tax-deferred basis, and distributions being tax-free if they are used for qualified medical expenses. In addition, you can contribute at any time, with your balance rolling over from year to year. You can even take your account with you, if you change jobs. To learn about all the benefits of an HSA, stop by any FTFCU office or call us at (860) 296-4379, ext. 110. Auto Loans HOME EQUITY VISA Card SPECIAL VISA INTRODUCTORY & as low as LOANS TRAVELING? Remember to BALANCE TRANSFER RATE: 3.25 % APR1,2 as low as 3.99 % APR1 let us know, so your Franklin Trust VISA credit/debit card won’t be blocked. Then take your card with you and 4.75 with payroll deduction; % APR1 enjoy the convenience – and 2% higher without payroll SPECIAL Home Equity your trip! deduction. Offer good for REFINANCE LINES OF CREDIT Don’t have one? Sign up first 9 months! OFFERS available, too! today to receive our special VISA CREDIT CARD RATE Call for details! 9.9 Refinance loans from introductory rate! another financial institution As Low % with us and receive cash: Don’t Get Current Franklin Trust VISA Cardholders: Transfer $2,500 As APR1 • $300 PAID ON A HOME EQUITY LOAN Ripped-Off! minimum from another (Contact us for details!) ($50,000 or more) lender to your FTFCU VISA Say “NO” to payday account to receive our • $200 PAID ON AN AUTO LOAN lenders! If you need special rate! ($20,000 or more) cash, see FTFCU! Better Rates APR = Annual Percentage Rate. 2Rate shown is for Club 75 Platinum level members; rate for other 1 • $100 PAID ON members will be higher. All rates are subject to change. Auto Loan and VISA rates are based on AN AUTO LOAN + Better Service payments made through Payroll Deduction. Please call our Loan Dept. at (860) 296-4379, ext. 107, ($10,000 or more) Better Deal! 114, 203 or 204 for updates and information. Our Qwik Ca$h loan saves you money when compared to others’ Pay Day Loans! Loans range from $200-$1,000, with terms up to six months. Need cash quickly? For details, please call our Loan Department at (860) 296-4379 Get a Qwik Ca$h loan! ext. 107, 114, 203 or 204. OPEN YOUR For convenience and less stress, start saving now for next year’s vacation with a Vacation Club account. By signing up for payroll deduction, you can VACATION automatically set aside funds for your dream getaway. CLUB ACCOUNT Hartford Public Schools teachers: Join our “March Club” for next year’s TODAY school break. It works just like a Vacation Club! Franklin Trust Receives Award Franklin Trust FCU recently received a Hartford Blooms Award, presented by the Knox Parks Foundation. The award “recognizes and honors Hartford residents and businesses that have created outstanding landscaped properties and, in the process, contributed to the beautification of their neighborhoods and improved the quality of life in the City.” Our offices on Franklin Avenue (pictured) and Asylum Street were cited for this honor. FTFCU THANK YOU MEMBERSHIP IS A for Your Loyalty LIFETIME BENEFIT Always keep your Franklin Trust membership, even if you leave We appreciate the loyalty shown by all of our member-owners, your job or relocate. You can readily access your accounts and extend a special “thank you” to those who – for whatever online via NetTeller (just log on to: www.franklintrust.org and reason – elected to file for bankruptcy in the past, yet still paid click on “NetTeller”), by phone, fax, mail, and at over off their Franklin Trust loans. Your loyalty to your credit union family in these very challenging economic times is very much 4,200 credit union service centers nationwide (locate at: www.creditunion.net). By retaining your membership, you’ll appreciated. Please know that we will be here for you in the be able to compare our products and services with others’ – future. and select the best choice for you! Since 1934, Franklin Trust has been a stable, dependable and “Once a Member, Always a Member”… trustworthy financial institution. No member-owner has ever lost an important benefit of your membership in FTFCU! a penny of insured savings with us. You can count on us to be here for you and your family in the years ahead, providing world-class service for all your financial needs. Sign Up for Convenience: NetTeller & Bill Payer NetTeller is our free online banking service. You can look up your balances, make transfers, print cleared check images - and much more - from anywhere online! Bill Payer saves you time and postage costs by allowing you to pay your bills online. You control the timing and amount of your payments. Bill Payer is free with Direct Deposit, otherwise there is a nominal monthly fee. For more information about these easy-to-use services, call us at (860) 296-4379 x 110. VISA Gift Cards VISA Gift Cards make terrific gifts – and make gift-giving easy! Safe and convenient, they can be used wherever VISA is accepted. Cards cost from just $3.50, depending on your Club 75 level. “Club 75” Franklin Trust Federal Credit Union PRIVACY NOTICE In Club 75, you can earn up Franklin Trust Federal Credit Union is mit these companies to sell to other past employers, other financial institu- owned by its members and run by a third parties the information we provide tions and other sources listed on the to .75% added to your new Board of Directors you elect. You can be to them. application. certificate rate and/or up to confident that your financial privacy is a We may also disclose information we col- top priority of this credit union. We are INFORMATION WE COLLECT AND .75% deducted from your DISCLOSE ABOUT YOU lect about you under other circumstances required by law to give you this privacy We collect the following nonpublic infor- as permitted or required by law. These new loan rate (VISA, notice to explain how we collect, use and disclosures typically include information mation about you from a variety of safeguard your personal financial infor- HELOC & Overdraft Protection sources and may disclose all the infor- to process transactions on your behalf, mation. mation we collect to companies that conduct the operations of our credit excluded), plus enjoy free We are committed to providing you with union, and follow your instructions as perform marketing services on our or discounted rates on competitive products and services to behalf or to other financial institutions you authorize, or protect the security of meet your financial needs, which neces- with whom we have joint marketing our financial records. many items, including sitates that we share information about agreements. If you terminate your membership with safe deposit boxes, VISA you to complete your transactions and to From membership and loan applications Franklin Trust Federal Credit Union, we provide you with certain financial oppor- gift cards, money orders, and other forms, we obtain information will not share information we have col- tunities. In order to do so, we have such as name, address, social security lected about you, except as permitted by traveler’s checks, and GAP entered into agreements with other com- number and income. law. panies that provide either services to us Insurance. or additional financial products for you From your transactions with us or other HOW WE PROTECT to consider. companies that work closely with us to YOUR INFORMATION Club 75 points are awarded provide you with financial products and We restrict access to nonpublic personal Under these arrangements, we may dis- automatically according to the services, we obtain information such as information about you to those employ- close all of the information we collect, your account balances, payment history, ees who have a specific business pur- Franklin Trust products and as described below, to companies that parties to transactions, and credit card pose in utilizing your data. Our employ- perform marketing or other services on services you use. Maximum usage. ees are trained in the importance of our behalf or to other financial institu- maintaining confidentiality and member tions with whom we have joint market- From consumer reporting agencies, we benefits are attained when you privacy. We maintain physical, electronic ing agreements. To protect our members’ obtain information such as your credit- reach 75 points, which is our and procedural safeguards that comply privacy we only work with companies worthiness and credit history. with federal regulations and leading Platinum level. that agree to maintain strong confiden- From verifications of information you industry practices to safeguard your tiality protections and limit the use of provide on applications and other forms, nonpublic personal information. Club 75 was introduced in information we provide. We do not per- we obtain information from current or 2009, in conjunction with our 75th Anniversary. For details Share Your Thoughts with Us or to check your Club 75 Have an idea that would improve our credit union? level, visit any of our Please let us know. offices or call us at Simply use the Suggestion Boxes in any of our (860) 296-4379, ext. 110. offices or email your comments directly to our President, Kiernan J. Dubay, at firstname.lastname@example.org. A native of Guyana, Kabita Bhajan came to the United States some nine years ago. Employee Initially, she and her family were residents of Queens in “The Big Apple”, before Spotlight settling in Connecticut in March, 2005. Just one month later, Kabita joined the staff at Franklin Trust. Kabita Bhajan With prior experience in the financial services industry, Kabita began at FTFCU as a Member Service Representative. She later took on added responsibilities as a Member Service Supervisor, and has since been promoted to Loan Processor, working in both our West Hartford Office and Main Office. Away from work, the U.S. Citizen enjoys traveling throughout America, as well as to other countries. She likes to spend time in the kitchen, too, cooking a variety of different foods. Fate brought Kabita and her husband, Sunil, together. “We were classmates back in Guyana, and had not seen each other in 12 years,” she explains. “We happened to meet when he was visiting Guyana, while I was still living there. And he happened to live in Queens, where I had family.” After a two-year courtship, the couple married and now have two handsome sons: Jonathan (3 years old) and Nicholas (1 year, seven months). We’re glad that Fate brought Kabita to Franklin Trust, too. Franklin Trust Federal Credit Union Main Office 632 Franklin Avenue Hartford, CT 06114 Serving Our Member-Owners Since 1934 Earn $300 CASH OR MORE! REFINANCE WITH US! (Details inside!) Also visit us at… West Hartford Office 927 Farmington Avenue (near Blue Back Square) Downtown Hartford Office 277 Asylum Street (at High School, Inc.) www.franklintrust.org Like us on facebook! Upcoming Holiday Schedule Member Services GOOD FRIDAY & EASTER HOLIDAY SAVINGS LOANS ADDITIONAL SERVICES Closed Friday, April 22 through Share Savings Accounts Home Equity Direct Deposit Safe Deposit Boxes Checking Accounts Home Equity of Net Check Drive-Up Windows Sunday, April 24 Gold Star Money Line of Credit Payroll Deduction Electronic Rates Boards MEMORIAL DAY Market Accounts Mortgages NetTeller Kiosks Internet Banking Closed Monday, May 30 Term Share Certificates Automobile Identity Theft Protection Individual Retirement Personal Shared Service Night Deposit Boxes INDEPENDENCE DAY Accounts (IRAs) Centers Lifestyle Accident and Health Closed Monday, July 4 Christmas/Holiday Club “FRED” Franklin Remote Heating Helper Electronic Deposit Insurance Accounts LABOR DAY Qwik Cash On-Line Bill Payer Life Insurance on Loans Vacation Club Accounts Overdraft Protection Long-Term Care Closed Monday, September 5 Health Savings Accounts VISA Classic, Gold & Quinceanera Platinum Insurance Coverdell Education COLUMBUS DAY VISA Debit Card Temporary Disability Savings Accounts Insurance Closed Monday, October 10 Youth Accounts VISA Gift Card Traveler’s Checks March Club E-Statements VETERAN’S DAY Financial Counseling Summer FUNd Club Audio Response Closed Friday, November 11 Free Notary Service to VISA Club Accounts Check Images Online Members Contact Us MAIN OFFICE DOWNTOWN HARTFORD OFFICE General Information: (860) 296-4379 632 Franklin Avenue, Hartford, CT 06114 277 Asylum Street, Hartford, CT 06103 Loan Dept. Extensions: 107, 114, 203 & 204 Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m. Mon. & Wed.: 10 a.m. - 1 p.m. • Fri.: 10 a.m. - 3 p.m. Audio Response Extension: 1 Wed.: 10:00 a.m. - 1:00 p.m. Phone: (860) 541-0088 Fax: (860) 541-0095 Toll-Free: (866) 835-8485 Thursday: 7:00 a.m. - 7:00 p.m. The following branches are active when school is Fax: (860) 761-1980 Saturday: 9:00 a.m. - 12:00 noon Sunday: 1:00 p.m. - 4:00 p.m. in session (for students, staff & employees only): Email: email@example.com NO SUNDAY HOURS BULKELEY HIGH SCHOOL BRANCH Website: www.franklintrust.org 300 Wethersfield Avenue, Hartford, CT Facebook: Franklin Trust Federal Credit Union Memorial Day through Labor Day Tues. & Thurs.: 9:00 a.m. - 12:00 p.m. MySpace: www.myspace.com/ftfcu WEST HARTFORD OFFICE HARTFORD PUBLIC HIGH SCHOOL BRANCH Shared Service Centers Locator: www.creditunion.net 927 Farmington Avenue, West Hartford, CT 06107 55 Forest Street, Hartford, CT Mon., Tues., Thurs., Fri.: 9:00 a.m. - 4:30 p.m. Surcharge-Free ATM Locations: Tues. & Thurs.: 1:00 p.m. - 4:00 p.m. www.co-opnetwork.org • www.sum-atm.com Wed.: 10:00 a.m. - 1:00 p.m.
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