PROGRESS WAY SPECIAL EDITION: FAMILY TRUST CENTER. A Relationship You Can Trust. Fall 2015

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1 PROGRESS WAY SPECIAL EDITION: FAMILY TRUST CENTER A Relationship You Can Trust Fall 2015

2 PERSPECTIVE A FRESH START TO THE DAY Lee Gardner, CEO and President FAMILY TRUST Getting off to a fresh start is something to look forward to. It means the old things, the former ways of doing things, and basically all things specific to the past can be left behind. From this point forward, it s a fresh start! Family Trust is getting a fresh start in the location where it all began the Textile Corridor on White Street. Only today it s no longer the Textile Corridor. Now it s Knowledge Park. Older buildings are getting a fresh new look, and the old jobs are being replaced with jobs of the new technology economy. Knowledge Park will be the location of the new Family Trust Center. If you haven t driven by to see it, I encourage you to do so. We re also beginning the year with improved schools and new technology. Winthrop University is beginning the academic year with excitement as Dr. Dan Mahony assumes the role of president. It s a fresh start at Winthrop as we look forward to the new leadership. In this issue of Progress Way, we explore our new building and a back-to-school guide that features our teacher planners and the opportunity to earn a Family Trust teacher grant. We pride ourselves on supporting area educators and want to do everything we can to help enhance the classrooms. Soon we ll be introducing our new Fresh Start checking account. This account has been designed to assist people who may have had past issues and been denied basic checking account services. The account comes with a small fee but gives account holders most of the privileges other checking accounts provide. It s in keeping with our philosophy to help others, and, like our new building, takes us back to our roots when Family Trust helped area residents when no one else would. Good things are happening here, in the schools, at Winthrop, and throughout York County. It s an exciting new day a fresh start. And we are glad to be a part of it all. Cover: (Left to Right) Rachel Sutton, Ashlee Killough, Victoria Chandler, assistant branch manager; Gabriela Talkington, branch manager; Courtney Camp, and Amy White. Bump Your Rate 3-Year Certificate 1.60APY 1 When rates rise, you re ready. Bump your rate 2x during term. earn up to % 1 1 APY = Annual Percentage Yield correct as of 6/5/15. Dividends are compounded and credited quarterly. Rate is subject to change after account is opened. Any withdrawal prior to maturity will reduce earnings. A penalty is imposed if certificate funds other than earned dividends are withdrawn before the maturity date. Bump Your Rate Certificate: Personal checking account required to open. New checking accounts must have direct deposit. Dividend rate may be changed to match any current comparable 36-month share certificate rate offered by the credit union twice during the term of the certificate.

3 IN THE NEWS Tiny Chip Offers Big Protection Our Visa Credit cards soon will have chip technology built in to better protect you from fraud. Called EMV, the chip creates a unique transaction code every time you use it at a chip-activated terminal. We will automatically send you a chip-enabled card when your current card expires. If you would like to receive a chip card before your current card expires, call or visit a branch to request one. Your card number and PIN will not change, although the expiration date may be different, so you ll want to update information with billers. We ll begin issuing EMV debit cards in early Once your new card is activated, destroy your existing card. Learn more at familytrust.org Celebrate Saving and Good Grades Making good grades and learning about money are two things Family Trust is celebrating. Explorer s Club members and friends can join us 4-7 p.m. Thursday, Oct. 29, at our Fort Mill branch for fun activities and snacks. Students ages 8 to 12 can bring their report card and get $2 for every A or equivalenttwice what they normally get. Apple Pay Coming Soon Apple Pay is coming to Family Trust at the end of Apple Pay, Apple s solution for paying merchants using your smartphone, will be available on Touch ID-enabled phones. It offers a, convenient way to pay using your Family Trust credit or debit card. This is the first of similar celebrations we ll hold throughout the school year. Don t have an Explorer s Club account? Parents can open one that night or any time at a branch. Just bring the child s Social Security number. Children seven and under get $5 in their account on their birthday. Mobile Upgrades Familytrust.org We re excited to announce more mobile upgrades were recently released and include: Bill Pay, which saves time and Family Trust pays the postage. Transaction history, which lets you view checks. Touch ID for Android devices. These updates complement earlier improvements; more are on the way. ONE-TIME PASSCODE: QUESTIONS ANSWERED CARING COMMUNITY: EMPLOYEES ADOPT 3 AGENCIES HOME-BUYING 101: IMPROVE YOUR CREDIT SCORE SAFE, NOT SORRY: PROTECT YOUR ID 2

4 FAMILY TRUST CENTER BY THE NUMBERS 36k 8 1 total Square Feet operational Departments full-service Branch You re Invited: Grand Opening October 15 Our new corporate center wouldn t be complete without a housewarming for members. We ll celebrate our building and our cooperative spirit Thursday, Oct. 15, which also is International Credit Union Day. Festivities will be from 4 to 7 p.m. and include building tours from 5 to 6 p.m., food trucks, a live band and giveaways for the first 300 participants. Students from Revolution Dance Company will provide entertainment. We ll give away $1,000 in gift cards and prizes to children, who can draw on the sidewalk, play Plinko and compete for cash with their family in our Cash Cab. Coinciding with International Credit Union Day, Family Trust will donate a $1 for every leaf

5 130 seats in the Community Room total Acres The branch in our new center is ready to welcome members back to White Street. Gabriela Talkington It will be wonderful to see our White Street members again, said Gabriela Talkington, manager of the branch that is expected to open in midseptember. This branch will offer the same great service in a new, open environment. pieces of Winthrop Student Art View from White St. and Laurel White Street Branch Ready For Debut Chelsea Arthur Materialization of Coinciding You can enter the branch under the grand staircase just beyond the building s main entrance. You ll find lots of natural light, computer kiosks for online banking, and free coffee. Instead of a traditional teller line, members will be greeted by an employee and accompanied to one of four workstations. Offices are also available for needed privacy. A deposit enabled ATM is available 24/7 for your convenience. Victoria Lackey, who worked at the branch before it closed for construction in mid-2014, will be assistant manager. Other employees are: Amy White and Courtney Camp, member service representatives; Ashlee Killough, lending consultant; and Rachel Sutton, teller. members put on our Giving Tree for a York County charity. It s a great way to celebrate the credit union movement and Family Trust, which started at the Rock Hill Printing and Finishing Co. when textile workers were denied access to traditional banks. We re building on the past and leading the future. Please join us! I m excited that we re going back to our roots, said Gabriela. It s a new beginning, and I m honored to lead the team. 4

6 BACK TO SCHOOL TEACHER GRANTS SCHOLARSHIPS: EASY MONEY PLAN YOUR YEAR WITH US GOT A GREAT IDEA FOR YOUR CLASSROOM? WE OFFER THIRTY $250 TEACHER GRANTS FOR INDIVIDUAL PROJECTS AND FIVE $500 GRANTS FOR GROUP PROJECTS. Applications for our $1,000 Eddie Reeves Scholarship for Community Commitment will be available soon. The application requires an essay and references. Discover the teacher planner Family Trust provides to 8,000 York County educators, and learn about classroom projects that have benefited the community. As always, there are coupons from generous local businesses. Call to request one while supplies last. Grants are available to Family Trust members who are public, private or home school educators in York County. Apply online by November 13. COLLEGE TIME Save up to $2,000 a year until your child turns 18 with a Coverdell Education Savings Account. Savings distributed tax-free if used for qualified education expenses. Please consult your tax advisor. You can also explore the various options for a loan through our Smart Option Student Loan program. You ll find a variety of payment options and competitive rates. Apply at familytrust.org. 5 Also, consider our Tweet for College scholarship through Elements of Money. You could win up to $1,250 by tweeting about credit unions. Details this fall at familytrust.org. LOOKING FOR YOUTH ADVISORY BOARD MEMBERS Our Youth Advisory Board tells us what teens need, and helps us teach others about good money management. Open to any York County student ages 15 to 17, the board will begin meeting in January. Apply online at familytrust.org by October 31. MONEY SMARTS Family Trust offers free presentations about money for students in kindergarten through college. For details or to schedule a presentation, visit our website. Use our community room at the Family Trust Center in downtown Rock Hill, or we ll come to you.

7 A GOOD KIND OF CHANGE By Matt Griffin Some people naturally resist change, while others embrace it. While uncomfortable for some, change is often needed to stimulate future growth, and to ensure that organizations remain relevant. It is with that spirit that we would like to share with you an exciting and important change to Family Trust Investment Services. Our business has continued to grow since announcing Jason Driver as our new financial consultant in With this growth comes the need to expand our department and offer service in multiple locations. Family Trust Investment Services will now have representation at two locations. Catherine Liebler and I will be moving to the new Family Trust Center at 225 West White Street in Rock Hill. The center will be in the heart of Knowledge Park, the area between Winthrop University and downtown Rock Hill that is expected to be home to retail and restaurants, housing and more than 1,000 hightech jobs. We expect to be in the building by September. Located on the first floor, you can find our offices by entering the main lobby and going through our credit union branch, or by the separate entrance on White Street. Jason will continue to provide excellent service at the Dave Lyle location. Hours at both locations will remain 8:30 a.m. to 5 p.m. Monday through Thursday and until 6 p.m. on Fridays. We have taken steps to make sure this change has little to no impact on your client experience. Catherine, Jason, and I will keep the same and phone numbers. Additionally, this change will in no way affect how your account is managed. The only way that you, as a Family Trust member, will feel the change is that we will be in two locations instead of just one. We hope you ll join us in embracing this new opportunity for Family Trust Investment Services, and please stop by our new location to say hello! PUBLISHER S STATEMENT Progress Way is published quarterly by and in the interest of Family Trust Federal Credit Union of York County, SC. Offices of the Publisher are located at: 1605 Progress Way, Rock Hill, SC Periodicals postage is paid at Charlotte, NC. This publication is distributed free to members and friends of Family Trust. There are no paid subscriptions. PROGRESS WAY STAFF SULA PETTIBON VP MARKETING, EDITOR & WRITER STEPHANIE GARRETT SENIOR GRAPHIC DESIGNER JENNIFER OSTROM GRAPHIC DESIGNER CONTACT INFORMATION SULA PETTIBON spettibon@familytrust.org All rights reserved. POSTMASTER: Send address changes to: Family Trust FCU Editor, Progress Way P.O. Box 10233, Rock Hill, SC FINANCIAL CONDITION (AS OF 6/30/15) Net Loans $282,518,627 Net Investments $47,055,697 All Other Assets $41,840,921 Total Assets $371,415,245 Total Liabilities $49,116,952 Member Shares $291,984,747 Member Capital $30,313,546 Total Liabilities & Equity $371,415,245 Make an appointment for FREE analysis: Call: Click: ftinvestment.org Blog: wallstreetsteward.com Office: 1615 Progress Way, Rock Hill, SC Not NCUA Insured Not Credit Union Guaranteed May Lose Value Catherine Liebler, Financial Sales Assistant Matt Griffin, Financial Consultant Jason Driver, Financial Consultant Federally insured by NCUA. ANDROID The opinions expressed in this material do not necessarily reflect the view of LPL Financial. Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Family Trust Federal Credit Union and Family Trust Investment Services are not registered broker/ dealers and are not affiliated with LPL Financial. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. No strategy assures success or protects against loss. Specific individualized tax advice not provided. We suggest that you discuss your specific tax issues with a qualified tax advisor. 6

8 PRSRT STD US POSTAGE PAID AMS P.O. Box Rock Hill, SC Open PayBack: familytrust.org % 1.25 APY 1 Sammy & Justina Members since 2006 Locally Grown PayBack Savings 5x National Average National average for deposits over $100,000 as of 4/20/15 from fdic.gov. 1. APY = Annual Percentage Yield. Dividends are compounded and credited monthly. No minimum deposit to open. Must meet qualifications to earn the PayBack rate; see familytrust.org. If qualifications are not met each dividend period, the rate earned will be equal to current prime share and IRA share rates respectively. OFFICE LOCATIONS ROCK HILL 2153 EBENEZER RD PROGRESS WAY (DAVE LYLE) 1490 ALBRIGHT RD. YORK IMPORTANT NUMBERS LOCAL LONG DISTANCE If your Visa credit or debit card is lost or stolen on the weekend or after hours, please call LOCAL TALK TELEPHONE BANKING 1690 OLD YORK RD CLOVER LONG DISTANCE TALK TELEPHONE BANKING 1219 HWY. 55 EAST FORT MILL FAMILYTRUST.ORG 430 MERCANTILE PL. AFTER-HOURS EMERGENCY NUMBERS PASS IT ON Learn something new in this edition of Progress Way? Spread the knowledge and share it with your friends and family.