Tunkhannock Area

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Tunkhannock Area
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OUR CREDIT UNIONA Little TIGER!
A presentation brought to you by the helpful
folks at the Wyoming County School Employees
Federal Credit Union

• From schools points of view, its a NO-COST
  valuable FRINGE BENEFIT
• Do-it-Yourself FINANCIAL COOPERATIVE
• ONLY in the SCHOOLS in WYOMING COUNTYnowhere
  else!

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A Credit Union IS

• A Unique COMMON-BOND Financial Institution
• NON-PROFIT
• operated for the BENEFIT of its owner/members

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Our Credit Unions COMMON BOND is ONLY
TUNKHANNOCK
Trail
Keystone
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Our Credit Union IS

• Not for Profit . . .

• Not for Charity . . .

• But for SERVICE!

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Since 1956 . . .

• Weve grown to
• Over 1,200 members
• Almost 12,000,000 in assets

• Weve SERVED our members by offering ORDINARY
  financial needs with EXTRA-ORDINARY SERVICE!

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Our Credit Union

• Is OURS!
• Honors the TRUE MEANING of what a credit union
  is!
• Seeks no other employee groups!

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ORDINARY FINANCIAL NEEDS

• Savings
• Personal
• Family Accounts
• Holiday
• Special
• Checking
• Debit Card
• Cash Availability

• Loans
• Personal
• Auto
• RV
• Home-equity
• Holiday
• Account Management with ON-LINE access

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TUNKHANNOCK EMPLOYEES HAVE THE ADVANTAGE
OFPAYROLL DEDUCTIONand/or ACH NET PAY DEPOSITING

• for ALL ACCOUNTS
• SAVINGS, CHECKING, LOANS, FAMILY ACCOUNTS, CLUBS

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MAKE THE MOST OF YOUR MONEY!
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SHARE-DRAFT (CHECKING) ACCOUNT

• Cost Efficient Advantages
• no fee if 100 in regular shares account
• earns interest
• less expensive checksfree for new accounts and
  members over 55
• hardly any feescheap when they occur
• ACH/EFT debits credits

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OUR LOW-COST DEBIT CARDS ARE DYNAMITE!
Want a great COMPANION to our nearly-free
checking accounts? Sign up for a debit card that
facilitates

• point-of-sale purchases without writing checks
• access to your funds wherever you are--worldwide!

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ON-LINE ACCOUNT ACCESSADDED CONTROL
HIGHLIGHTS OF OUR ON-LINE SERVICE

• Account History
• Transfers
• Savings to Other Savings
• Savings to Checking
• Savings to Loans
• Balance and Transfer Notifications by email or
  cell phone
• Check re-orders

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YOUR LOANS

• Wait til you see . . .
• L O W Rates as low as 4
• Confidential, Prompt SERVICE
• Actuarial Method
• Exact/Government year
• FREE or cheaper insurance

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YOU ENJOY . . .

• Payroll Deduction
• Member Education
• Web-site resources
• NADA
• AIS New-Car Invoice
• Zero-pressure Loan Quotes

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MONEY AVER!

• discount movie ticketsDietrich, Cinemark,
  Movies 14
• discount coupons for Camelbeach
• Entertainment Book

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and OTHER FREEBIES!

• Fax Service
• Notary Service
• Courtesy Loan Payment Transfers

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OUR CREDIT UNION ISVERY UNIQUE!

• NON-PROFIT--our PROFITS GO BACK TO OUR MEMBERS!
• FREE LIFE INSURANCE
• FREE LOAN-PROTECTION INSURANCE on many loans--
  the debt dies with the debtor

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FREE LIFE INSURANCE

• On all deposits in regular share accounts,
  members receive--in an amount equal to their
  account balance--a FREE LIFE INSURANCE benefit up
  to 3,000.

depending on members age when deposited
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FREE LOAN PROTECTION INSURANCE

• For many loans, the borrower (if working and
  under age 70) has FREE LIFE INSURANCE on the
  loan . . . which could be hundreds of dollars at
  other financial institutions. The current
  maximum on this protection is 15,000.

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AUTO and HOME INSURANCE Savings

• Travelers Auto Homeowners
• Discount for members
• Direct debit from share-draft (checking) account
  for convenient monthly payment

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Are your funds SAFE?

• (This fund is financially more sound than FDIC.)

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Credit Unions are also SAFE because

• All federally-chartered credit unions are
  regularly audited by NCUA examiners.
• All credit unions have Supervisory Committee
  audits annually.

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Are you ready for a CHALLENGE QUESTION?
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OK here goes . . .

• In our present society, a relationship with a
  single bank or credit union is
• Absolutely necessary
• Not necessary at all
• There are too many options not sure I guess I
  dont evaluate my financial services too well

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If you answered . . .

• Absolutely necessary, youre comfortable having
  all your eggs in one basket, no matter what the
  cost. The big lush brick buildings are built on
  this premise.
• Not necessary at all, youre a wise consumer.
  Youre happy with a credit union or bank where
  the basic services are dirt cheap and you know
  there are many options available elsewhere for
  your extraordinary financial needs.
• Not sure, you may want to reconsider and start
  saving some money!

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EXTRAORDINARY NEEDS?

• Loans
• First Mortgages
• Business Loans
• Credit Cards
• Savings
• CDs
• Savings Bonds
• Annuities

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For example, if youre looking for a first
mortgage . . .

• Check with uswe have a source.
• Call around for the best terms.
• Check the mortgage comparisons in local
  newspapers such as The Times Leader.
• Consider an internet site such as LendingTree.com
• Use free calculators at sites listed on our
  Links page to compare mortgagesyou enter term,
  rate, points, closing costs, and so forth.

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Or, if youre looking for the best deals on
CREDIT CARDS . . .
KIPLINGERS PERSONAL FINANCE September, 09
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And, if youre looking for the best rates on CDs
. . .
KIPLINGERS PERSONAL FINANCE September, 09
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THERE YOU HAVE IT
. . . your financial puzzles solved with the
help of your credit union!
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So, now that you can beIN CONTROL, why not . . .

• Find BASIC services at the lowest cost (We can
  help!)
• Shop around for the best deal in your
  extraordinary financial needs.
• Use your credit union to help you when you shop
  around!

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Psst! Heres aSPECIAL GEM
We offer a LEASE-LIKE AUTO LOAN You can borrow
BIG BUCKS for an expensive car with LOW MONTHLY
PAYMENTS. Its unbelievable!
Call for details about these MAPS (member auto
payment saver) loans.
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Youll be happy to know . . .
Were fighting the
De-humanization of America!
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So, when you call . . .
Youll get a PERSON . . . not a phone menu!
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At your service . . .Two convenient locations
Tunkhannock Office 130 North Bridge Street
Factoryville Office 99 College Avenue
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And on the web _at_www.creducomp.com/wcsefcu

• Find
• a link to CU-at-Home, our internet on-line
  portal
• anything you want to know about our little
  credit union . . and how we can help you!

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ANY QUESTIONS?
Call either of our offices at 945-4000
or 836-4809
And talk with
Karen Harris Debby Oakes Cheryl TerBush Jeanne
Wisnosky
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So, there you have it!
ORDINARY FINANCIAL SERVICES
but with
EXTRAORDINARY PERSONAL SERVICE!
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Not a member yet?
If youre ready for some
EXTRAORDINARY PERSONAL SERVICE,
Its EASY TO JOIN

• Call 836-4809 or 945-4000
• Stop by either office
• Visit your payroll office

to get your New Member Packet!
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From Tunkhannock to Evans Falls to Mill City to
Mehoopany . . .
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. . . ourCREDIT UNION is a