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 Summer is almost here so now’s the time to dust off your wish list! What does that include? Home renovations? A vacation? College? Loan consolidation? Another great goal?
Whatever your dream, finance it with a very affordable Choice One Home Equity Loan or Home Equity Line of Credit. Borrow against the equity you have in your house and make those wishes come true. We have money to lend and, even better, this type of loan could be tax-deductible (ask your tax advisor).
It’s So Affordable!
Borrow up to $10,000 at a great low rate – as low as 3.25% APR* for a variable-rate Home Equity Line of Credit. Repayment terms are convenient and you won’t have to disturb your savings or other investments. You’ll also receive a $10 cash rebate for every $1,000 borrowed!** That’s a very affordable idea!
Put Your Home To Work!
Apply online at www.choiceone.org or call (866) 851-1658 and use our 24/7 Loan Center service.
*APR=Annual Percentage Rate. Rates and terms are subject to change without notice. Other rates and terms available. Loan must be for new money. Rate shown is applicable for members with Auto Pay. Add .25% for members without Auto-Pay. Contact the credit union for complete loan details.
**Consolidate debt from another financial institution to receive cash rebate of up to $100. Cash rebate will be deposited into member’s Share Savings Account at loan closing. Contact the credit union for complete offer details.
† This new special introductory rate will be in effect from July 1, 2009 through December 31, 2009. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum rate is 18.00%. Minimum rate is 5.00%. The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. Rates shown are for qualified borrowers. Other rates and terms are available. Contact the credit union for the complete loan details.
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The 34th Annual Charities Golf Tournament, sponsored by Choice One Community Credit Union and St. Conrad’s Young Men’s Society, will tee off at the Wilkes-Barre Golf Club on Saturday, June 27. This event is a fundraiser for St. Nicholas Parish scholarships in memory of Dr. John P. Kebles, Jr., and the Weinberg Food Bank that provides food year-round for needy families, children and the elderly in our community.
The tournament will begin at 8 a.m. with a shotgun start for all teams. The $75 per-person fee will include a cart, greens fees, prizes for all flights, awards, refreshments and a buffet at St. Conrad’s Club beginning at 2 p.m.
Recognition For Your Sponsorship
Recruit your team and sign up to support two very worthwhile community organizations. For more information or a reservation form, please call Karen Finnegan at (570) 823-7676, ext. 245 or Tom Smith at ext. 239.
Reservations and all fees are due by June 20, 2009.
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Choice One Community CU belongs to a credit union branch network that allows you to withdraw money and perform other basic transactions at “shared service” credit unions throughout the country. No matter where you travel or move, you’ll be able to access your accounts via the Credit Union Service Centers.
When you visit a shared CU Service Centers branch, you’ll need to provide:
- The Choice One Community CU Name
- Your Choice One Account Number
- A Valid Government-Issued Photo ID (Driver’s License, Passport, Etc.)
The Last Four Digits Of Your Social Security Number The types of transactions available at a shared branch include:
- Deposits
- Check Holds And Funds Availability Based On Choice One Community Policy
- Withdrawals
- Cash Withdrawal – Limits May Apply
- Check Withdrawal (May Not Be Available At All Locations)
- Transfers Between Accounts Or Credit Unions On The Shared Branching Network
- Loan Payments
- Transaction History (May Not Be Available For All Account Types)
- Money Orders, Travelers Checks Or Gift Cards (May Not Be At All Locations, May Be Small Fee)
Contact Choice One Community CU directly for the following:
- Questions About Your Statement Or Account
- Account Inquiries By Phone
- Loan, Savings And CD Rates
- Opening A New Account, Direct Deposit Or Payroll Deduction
- Accessing Special Accounts Such As Power-Of-Attorney, Estate, Etc.
Remember, these shared services offer you greater access to your accounts. Tellers are required to follow guidelines to protect your funds and your identity. Policies at a shared branch may differ from those at Choice One Community. There may be different types of deposit and withdrawal forms, ID and endorsement verification, fees and check holds. All requirements are for the safety and security of your accounts and personal identity.
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A Message From The MEMBERS Financial Services Program A level term life insurance policy can provide important coverage for your income, your family, your home, and even your business – at competitive rates.
Term life features a level benefit amount guaranteed for a set number of years. There is no cash accumulation in the policy, but it can act as an effective safeguard against financial disaster. Here are four reasons why you should consider level term life insurance coverage:
- Protect your income. The insurance benefit can help replace your income. In fact, it can be used for any purpose.
- Protect your family. Policy proceeds can help your family maintain its lifestyle and quality of life.
- Protect your home. The benefit can help you make your mortgage or rent payments, enabling your family to stay in their home.
- Protect your business. The proceeds can be used to help a business continue to operate.
MEMBERS Level Term Series coverage, from the CUNA Mutual Insurance Society, offers level premium rates and benefits for 10, 15, 20 or 30 years. Benefit amounts range from $25,000 to $1 million or more. And you can convert your policy to permanent life insurance with the company during the term of the coverage.
For more information about term life insurance, including rate schedules, optional benefits, and any limitations of coverage contact James H. Van Wert, Jr., CFP, the MEMBERS Financial Services Representative serving members of your credit union. Contact Jim at (570) 208-4520.
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit 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. 1385-P1687F (1007) 2000-TERM
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Although we live in challenging economic times, you can rest assured that your credit union is financially sound and your money is safe. We have not fallen prey to the lure of easy money from issuing sub-prime loans or other questionable practices, but have instead kept our standards high and our balance sheet strong. It’s “business as usual” at Choice One where our entire focus is on your best financial interests.
We Focus On Financial Responsibility:
- Choice One is member-owned and not-for-profit. We provide low loan rates, high returns on savings, great convenience and member service second to none.
- Choice One is conservative and has always held its Mortgage Loans in portfolio rather than selling them on the secondary market.
- Choice One balance sheets have always been strong and they’ll continue to be strong long after today’s financial woes are history.
- Choice One deposits are federally insured through the National Credit Union Administration, an agency of the U.S. government, to at least $250,000 per deposit account (and up to that amount for retirement accounts).
So sleep well. Your credit union is safe and sound. For 68 years, we’ve grown your assets and safeguarded your future. We’re completely focused on your financial security and conduct our business responsibly. We’ll continue to provide the best in financial products, services, convenience – and safety!
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Great Service At Our Branch Locations!
For your everyday financial needs, our three branches are conveniently located to serve you. We have tellers to help you with transactions, loan officers to help with borrowing and Member Service Representatives to open new accounts, products and services. At night and on weekends, use our on-site ATMs for deposits, withdrawals or transfers, and Night Deposit Drops for secure deposits.
Manage Your Money At Your Convenience!
Manage your money from your computer 24/7 – at home, in the office or visiting a cyber café. Choice One is always “open” online and ready to help you!
Get Started Today!
To sign up for a Checking Account or our Convenience Services, call us at (570) 823-7676 ext. 258, come in or apply online at www.choiceone.org. We make it easy for you – we’re your best choice!
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We have a great new convenience for busy members! The E-Deposit Service* allows members to make deposits electronically, have them credited to their account, and then send the actual checks to the credit union. Funds from the deposits are available immediately after being entered online.
Here’s all you have to do:
- Log On To Online Home Banking
- Enter Checks To Be Deposited (Maximum 10 Checks, Up To $1,500)
- Endorse Checks And Send By Postage-Paid Mail To The Credit Union
- Mail Checks So They’ll Arrive At The Credit Union Within 10 Days
This new service will be a great help for members who want to deposit funds but are unable to travel to the credit union in person. Apply by filling out an application* and returning it to the credit union. For more information, stop by or call (570) 823-7676.
*For eligible members only, certain restrictions apply.
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Holiday Closings
The credit union will be closed to observe the following holidays:
Memorial Day– Monday, May 25, 2009
Independence Day– Friday, July 3, 2009 & Saturday, July 4, 2009
Labor Day– Monday, September 7, 2009
Columbus Day– Monday, October 12, 2009
Mark Your Calendars!
34th Annual Golf Tournament – Saturday, June 27, 2009
Choice One Community Wins Political Action Award
Choice One Community recently received the Credit Union Times Trailblazer Award for Outstanding Political Action. This award recognized us for actively supporting a local political leader who has been a long-time advocate for credit unions. Our members put their energy to work canvassing, telephoning and holding fund raisers to support their candidate. The outcome was positive, illustrating the community involvement and personal commitment of our members to a cause they believe in. Thank you, Choice One Community members!
Member Appreciation Celebration
Choice One will soon be celebrating our 10th anniversary and plans to have a member appreciation celebration running from Thursday, August 27, 2009 through Saturday, September 5, 2009 (Member Appreciation Day). We will have 10 daily prize drawings, grand prize drawings, entertainment and refreshments at the credit union on Member Appreciation Day. Mark your calendar and come celebrate with us. Watch the mail for more information on the celebration!
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The Dollar Dog Kids Club® is a free program for kids 12 and under that helps them learn to manage money and start the savings habit. For each deposit they make, they’ll receive a Dollar Dog coin (they love this reward), then redeem their coins for Dollar Dog items like stickers, Dog House savings banks and plush toys. It’s great for both kids and parents – youngsters save money and get rewarded for their efforts! A savings passbook helps kids see first-hand how interest-bearing deposits grow. There is also an interactive website so kids will stay interested and keep saving.
It’s Easy And FREE To Join!
Open a Dollar Dog Kids Club account with a deposit of $5 or more, or sign up if you already have a credit union Share Savings account. All members’ children ages 12 and under are eligible. Join today!
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Now you can manage your money anytime, anywhere. Open a Share Savings and a Share Draft Checking Account, then take advantage of our online Virtual Branch with E-Statements, BARB phone access, and a VISA® Check Card. Apply for a VISA Credit Card, loans and more. Save for your future with Share Certificates and IRAs. Guarantee success with the edge.SM Learn to manage your money, avoid mistakes and get going on your financial future. Get the edge and enjoy your life!
Independence and the freedom to manage their own finances – that’s what teens want! As a parent, you want them to learn responsibility. We have a solution that will please you both! Your teenager will learn the basics of saving, investing, budgeting and more with cha-ching!SM Savings and Checking Accounts, Check Cards, Online Banking and other services are all included.* Teens learn how to manage their money the right way with cha-ching! and it’s all free!
We’re Plugged In!
Today’s teens are wired. They’re online, texting and plugged into iPods. That’s why we offer podcasts, videos and downloads that are full of teen-friendly financial information. It just goes to prove…money management can be cutting-edge and fun!
Sign Your Teen Up Today!
Stop by, call us at (570) 823-7676 or go to www.choiceone.org for more information. Teens love to say “cha-ching!” and you will, too!
*Accounts and other services may require co-owner over 18.
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Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Nationwide Insurance Company of America. Home Office: Columbus, OH 43215. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide, Nationwide is On Your Side, and the Nationwide Framemark are federally registered service marks of Nationwide Mutual Insurance Company. ©2007 Nationwide Mutual Insurance Company. All Rights Reserved.
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Two lucky winners of our Springtime Getaway Drawing recently went to see local favorites, the Yankees and the Phillies, play their opening-day home games. They saw some exciting baseball and went out on the town – New York City and Philadelphia – as our guests.
Charlotte Duffy of Hanover Township was the winner of a 3-day/2-night getaway in New York, plus two tickets to the first game that was played in the new Yankees Stadium. Jamie Williams of Wilkes-Barre won a 2-day/1-night getaway in Philadelphia plus two tickets to see the World Champion Phillies play their first 2009 game in Citizens Bank Park.
The winners were chosen at random from all entries submitted for the Springtime Getaway Drawing. Members automatically received one entry and additional entries for opening a Certificate of Deposit. They also got extra entries for bringing in new members who opened a CD, with the new members receiving sweepstakes entries as well.
Congratulations to both our winners. We hope you enjoyed your day at the park and your time out on the town!
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 On April 20, Choice One Community reached out to young adults in the community by sponsoring a musicstream LIVESM concert at Wilkes University. The purpose of the concert was to promote financial literacy and encourage membership in the credit union. The concert featured performances by The Woody Browns Project and Scott McKenna.
Proceeds from the concert went to Wilkes University’s Money Matters Personal Finance Club. The club conducts workshops on financial skills and works to provide the tools students and young community members need to manage their personal finances.
musicstream LIVESM reaches out to youth nationwide by coordinating live concerts for credit unions. Promoting credit unions’ products and services, the shows stream on www.musicstreamLIVE.com so that Internet users can view the concert free, in real time and after it is over.
Choice One Community CEO John Kebles is enthusiastic about this type of outreach. “I believe that music can be the key to creating awareness with the youth of our community,” he said. “If we can get their attention, we can get them to hear our message.”
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