Credit Union Quarterly

Transcription

1 Credit Union Quarterly October 2015 Volume 8 Number 4 In This Issue Sherpa Identity Protection 2015 Annual Meeting 66 Ways to Save Just for Laughs Sprint Savings Contact Us info@for-cu.com Board of s DeWayne Ray, Chairman Robert Carone, Treasurer Nancy Hartle, Secretary Robert Johns, Vice-Chairman Joyce Morgan, Lorelie Graham, Steven Hughes, J. Timothy Kerr, James Bankson, Daryl DeAngelis, SHERPA IDENTITY PROTECTION Over 13 million Americans were victims of identity theft in From online data theft to dumpster diving to a stolen wallet, there are many ways that criminals can steal your identity. It s more important than ever to protect yourself from this growing criminal activity. Using an identity theft protection service is the best way to minimize risk and protect your personal information from being misused. Doing this not only gives you added convenience and peace of mind, but also provides more advanced identity theft protection than you can achieve on your own. Identity theft can take many forms, from stealing your complete profile all of your personal information to gathering bits of your identity and combining that information with other data to create a synthetic profile, so it s also important to use a best-in-class identity theft protection product that monitors comprehensive activity. * Early detection of fraud greatly reduces the financial, emotional and legal burden associated with identity theft. * People who use an identity theft monitoring product or service have more control over the safety of their family and their identity. Franklin-Oil Region Credit Union has partnered with Sherpa Identity Protection to provide this critical protection service to our members. Sherpa is powered by the leading provider of global, enterprise-level identity protection and fraud detection technologies and solutions. Their service goes beyond standard credit monitoring to include multi-layered approach to protection identities credit monitoring, interest surveillance, lost wallet protection, full-service identity and credit restoration, and up to $1 million in insurance protection. You Can trust Franklin-Oil Region Credit Union and Sherpa to help keep your personal information protected. Click here for more details

2 Office Hours Mon - Thurs 9-5 Friday 9-6 Locations 101 N. 13 th Street Franklin, PA E. 1 st Street Oil City, PA Holidays Monday, October 12,2015: Closed in Columbus Day 41 st Annual Meeting On September 19, 2015 members, board of directors, and employees gathered at the Elks Lodge in Franklin, PA, for the 41 st Annual Meeting of the credit union. During the meeting members voted to approve the revised bylaws that the board of directors approved at a prior meeting. Speakers were Kerry Stroup, who spoke about the First Heritage Mortgage program. Dawn Wheeling spoke about the credit unions new logo, slogan, and website (coming soon!). Sandy Saunders addressed a new identity theft program offered to the membership called Sherpa Identity Protection. Lastly, we had a guest speaker, Travis Daniels, from American Income Life Insurance Company, who covered the how the program works, as well as, other products the company offers. The meeting was finished with a free raffle for all attendees and a 50/50 drawing that benefited the Shenango Valley Chapter Scholarship Fund. Wednesday, November 11, 2015: Closed in Veterans Day November 26, 2015: Closed in Thanksgiving December 24, 2015: Closing at Noon in observances of Christmas Eve. Friday, December 25, 2015: Closed in Christmas. December 31, 2015: Closing at Noon in New Years Eve. Telephone Service 66 Ways to Save 53: Once a year, review your phone bills for the previous three months to see what local, local toll, long distance, and international calls you normally make. Call several phone companies which provide service in your area (including wireless and cable), to find the cheapest calling plan that meets your needs. Consider a bundled package that offers local, local toll and long distance, and possibly other services, if you heavily use all the services in the bundle. 54: Check your phone bill to see if you have optional calling features or additional services, such as inside wire maintenance, which you don t need. Each option you drop could save you $40 or more each year. 55: If you make very few toll or long distance calls, avoid calling plans with monthly fees or minimums. Consider disconnecting the service altogether and use dial around services such as numbers or prepaid phone cards for your calls. When shopping for dial around service, look for fees, call minimums, and per minute rates. Treat prepaid cards as cash and find out if there is an expiration date.

3 Friday, January 1, 2016: Closed in New Years Day. 56: If you use a cell phone, make sure your calling plan matches the pattern of calls you typically make. Understand peak calling periods, area coverage, roaming, and termination charges. Contracts offered by most carriers will provide you with a trial period of 14 days or more. Use that time to make sure the service provides coverage in all the places you will be using the phone. Prepaid wireless plans tend to have higher per minute rates and fees but may be a better option if you use the phone only occasionally. 57: Before making calls when away from home, compare per minute rates and surcharges for cell phones, prepaid phone cards, and calling card plans to find how to save the most money. 58: Dial your long distance calls directly. Using an operator to place the call can cost you up to $10 extra. To save money on information calls, look the number up on the Internet, or in the directory. Just for Laughs Three animals were having a drink in a cafe, when the owner asked for the money. "I'm not paying," said the duck. "I've only got one bill and I'm not breaking it." "I've spent my last buck," said the deer. "Then the duck will have to pay," said the skunk. "Getting here cost me my last scent."

4 Verify Your Credit Union Membership to Keep Saving with Sprint! Franklin-Oil Region Credit Union is pleased to offer monthly wireless discounts to our members with the Sprint Credit Union Member Discount. If you re already enjoying the savings from this Love My Credit Union Rewards program, we want to make sure you continue to do so. Periodically, Sprint needs participants to verify eligibility so they can receive the discount and waived activation fees. If you re planning on signing up for the Sprint Credit Union Member Discount, you ll need to verify eligibility as well. New Sprint Customers: You need to verify membership within 30 days of activation. Current Sprint Customers: You need to provide proof of discount eligibility (credit union membership) when you upgrade your device if it has been 20 or more months since you last validated. Members can verify credit union membership using the free Love My Credit Union Rewards app with its simple and secure verification process. And it takes just a few minutes to complete. Verification will make sure you ll continue to receive the great benefits and exclusive savings that Sprint offers credit union members. The Love My Credit Union Rewards app is available in the Apple App Store and Google Play just search for Love My Credit Union Rewards. This app also lists all Love My Credit Union Rewards discounts. Please take the time to download the free app, try it for yourself and see just how simple it is to use it so you can keep saving with the Sprint Credit Union Member Discount. If you d rather fill out the verification form and fax it in, you can find the form here at LoveMyCreditUnion.org/Sprint. Learn more about the Sprint Credit Union Member Discount at LoveMyCreditUnion.org/Sprint.

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