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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
                                                                                    kdubay@franklintrust.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: ftfcu@franklintrust.org

 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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