Newsletter Design

TM

ONECredit UnionCredit Union

ONE MinderMemberCredit Union ONE

You’re gonna like this lease!Your credit union’s new vehicle leasing

program is so likeable. Take a look at thesefeatures of ONE’s Likeable Lease:

No money down. No security de-posit. No acquisition fee. No disposalfee. No prepayment penalty.

You pay a one-time $750 feethat can be combined with theloan and an optional $275 forgap insurance. That’s it! No surprises.

Perhaps the most likeable featureis: no dealership hassles! Our leasingrepresentatives will do the shopping for you.We can find your next vehicle and negotiatethe price. Or you can make the deal and stilllease through CUO.

And don’t worry about extra mileage becauseyou can buy additional miles up front. At theend of lease, you can buy the car, refinance it,or drop it off.

Call us for a no-obligation quoteWhen you call us, you’ll get a

quote without having to signany documents or put moneydown. For questions, quotes, orto apply for your lease, call the

Leasing Information Center at1-800-224-1244 from 8Ê a.m. to

7Ê p.m. Monday through Friday, and 8Ê a.m. to1Ê p.m. Saturday. If you sign a lease beforeAug.Ê 31 we’ll give you a Mobil Go Card worth$50 of free gas as our thank-you.

* Lease is a 60-month term andincludes $750 fee, $275 gap fee(optional), and usage tax.

** Loans have 60-month terms andinclude sales tax.

Year 2000 model Lease* Loan**

Honda Accord LX 4DR $347 $413$20,055 sale price

Chevy Suburban LS 4x4 $573 $769$37,260 sale price

Mercedes C280 4DR $617 $792$38,390 sales price

ONE’sLikeable

Lease

You can’t lease an old-time classic likethis old Ford with ONE’s Likeable Lease,

but you sure can get low, low payments,reminiscent of the old days. For information

on classic rates, see page 2.

A U G U S T 2 0 0 0 All-Region PDF

Current APY* is

707%707%

Your savings federally insured to $100,000

National Credit Union Administration, a U.S. Government AgencyLENDEREQUAL HOUSING

ONE’sTM


ONEdirectory

ADMINISTRATIVE OFFICES

400 E. Nine Mile Rd., Ferndale, MI 48220 ............ 248-398-1210Toll Free ............................................................. 800-451-4292

METRO DETROIT AREA

Beaumont ........................................................... 248-584-5260Detroit Medical Center (Receiving Hospital) .......... 313-832-7030Farmington Hills (Covenant Branch) ..................... 248-855-1101Ferndale ............................................................. 248-398-1210Macomb Township .............................................. 810-566-1300Royal Oak ........................................................... 248-288-5010Shelby Township ................................................. 810-254-5560Southwest Detroit .............................................. 313-849-0080Sterling Heights ................................................... 810-978-7181Troy .................................................................... 248-879-5800Westland ............................................................ 734-425-1520University of Detroit-Mercy .................................. 313-864-9538For hours of operation, please call the specific branch office.

Member Center (to apply for loans) .......................... 800-488-2222Service Centers ...................................................... 800-800-9700

Located in Ann Arbor, Detroit, Garden City, Lansing, Livonia,Madison Heights, Novi, Redford, Riverview, Rochester HillsSt.Ê Clair Shores, Sterling Heights, Taylor, and Waterford.Hours: M-F : 9-7, Sat: 9 –2

WEST MICHIGAN AREA

GRAND RAPIDSWalker ................................................................ 616-453-550044th Street .......................................................... 616-455-7200Plainfield ............................................................. 616-361-0802

TRAVERSE CITY: Area Code changed to 231Sixth Street ........................................................ 231-946-5592Veterans Drive at 14th Street ............................... 231-941-7330

OTHER NUMBERS

TDD Hearing/Speech Impaired ............................... 248-398-2192

Compu-Phone ........................... 248-547-9513 or 800-423-3069

ONE’s Financial Services, Inc. ............................. 810-977-7218In Grand Rapids or Traverse City, call .................. 800-719-0022

ONE’s Home & Auto InsuranceMetro Detroit area .............................................. 248-619-3412Grand Rapids and Traverse City ONLY ................. 888-511-ONES

ONE’s Mortgage ................................... contact your branch office

Uniglobe Preferred Travel (toll free) ....................... 877-408-7281

Internet: http://www.cuone.org

Member Minder is produced monthly for Credit Union ONE members withchecking accounts and quarterly for all others. Please address all

comments to Marketing Department,Credit Union ONE, 400Ê E.Ê Nine Mile Rd.,Ferndale, MI 48220.

Dream ratesCruise on over for classic rates

The Woodward Dream Cruise isn’t theonly classic game in town. Your credit unionis also offering old-time rates on classic carsas well as our great rates for new and usedcars. Our annual percentage rate for classiccars is just 2 points over prime or 11.5%. Fordetails or more information, call the MemberLoan Center at 1-800-488-2222.

9-month CDsOur rates are terrific on this CD

Our rates are outstanding for our 9-monthCertificates of Deposit. In a short time, youcan significantly boost your returns—just bybeing smart enough to invest your money atyour credit union.

The 9-month term is perfect. It doesn’tcommit you for too long yet still gives you ahigh yield. Plus, this CD’sminimum deposit isonly $2,000.

These days, se-cured savings like our9-month CDs areappealing, especiallywhen the stock market isvolatile. For more information and to openyour CD, call 1-800-488-2222.*APY=Annual Percentage Yield. Rate subject to change withoutnotice.

Home equityProject financing starts here

There’s still time to get moving on your end-of-summer projects. One of the best ways offinancing them is with our home equity loan,which is at prime right now, just 9.5% APR!*

You can borrow up to 90% of your equityminus the mortgage balance. And if you applyright now for a home equity loan or line ofcredit at our low fixed or variable rates, youmay soon have your money in hand.

Do more with equityThe great thing about a home equity loan is thatyou can also use it for any major purchase:college tuition, braces, major appliances, trips.And the best thing about these loans and linesof credit is they are most likely tax-deductible(see your tax adviser to be sure).

Consolidate and pay just ONE billYou can also consolidate your debts with a

home equity loan. Pay them off and you maysave significantly. Then, you’ll only have towrite one check instead of a bunch.

Call your branch office for more informationand to apply or call 1-800-488-2222.

*APR = Annual percentage rate.Rates are subject to

change withoutnotice.

Back to schoolSo long, summer!Hello, great savings!

Already! Summer’s almost over and back-to-school shopping will begin very soon. Geta jump on savings by applying now for yourcredit union’s new VISA® Platinum card.

With its fixedannual percentagerate of 11.9%*you’ll start savingimmediately—even before theback-to-schoolsales start.

Second, it offers many benefits: no cashadvance fee, travel emergency assistance (greatfor college-age students), and a credit limit ashigh as $100,000 for those who qualify.

Third, you cantransfer balancesfrom higher-ratecards once you’reapproved and up toyour credit limit.

Apply nowTo apply for the

new PlatinumVISA® card, callthe Member LoanCenter at its toll-free number,1-800-488-2222,or call or stop byyour branch office.Or you can apply

online on our Web site at <www.cuone.org>.

*APR = Annual Percentage Rate. Rates subject to change and aredetermined by credit history and approval.

ProtectionPayment protectioncan safeguard your family

Think for a minute—who would make yourloan payments if you were to die or becomedisabled from accident or sickness?

You wouldn’t think a momentlonger if you had CreditLife and Credit Disabil-ity insurance on yourcredit union loans.Credit Life helpsreduce or pay off

401(k)Here’s how to avoid penalties

Q. I’m leaving my employer. How I canmove my 401(k) and avoid taxes?

A. By completing a direct rollover you canavoid early withdrawal penalties. A directrollover occurs when you move eligible assetsfrom an existing employer-sponsored retire-ment plan directly to an IRA or other quali-

fied retirement plan,without taking receipt ofthe proceeds.

The opportunity for adirect rollover is triggeredby an event such asretirement or separationfrom an employer. This

type of distribution is reported to the IRS andallows the individual to avoid the mandatory20% tax withholding as well as current federal

your loan if you die before it is repaid. CreditDisability does the same if you becometotally disabled by a covered sickness oraccident.

Payments are easy and affordable, oftenjust pennies a day. And they can be addedright to your loan payments. Both coveragesare available for all your eligible loans,

including home equity.Ask at your branch

office for details orcall the MemberLoan Center toll-free at1-800-488-2222.

income taxes and potential penalties.Questions? Contact a ONE’s Financial repre-

sentative at 1-800-719-0022.The products offered through ONE’s Financial Services, Inc. are not federallyinsured; are not obligations of the credit union; are not guaranteed by thecredit union or any affiliated entity; and involve investment risk, includingpossible loss of principal. ONE’s Financial Services, Inc. representatives areregistered representatives of CUNA Brokerage Services, 5910 Mineral PointRd., Madison, Wisconsin 53705. Member NASD, SIPC. ONE’s FinancialServices, Inc. is a licensed insurance agency.

A messagefrom ONE’s FinancialServices, Inc.

TM


ONE MinderMemberCredit Union ONE

Prime Minus 1⁄2% fora home equity line

Extraordinary!

That’s a big plus when com-pared to other loans. See yourtax adviser to be sure aboutyour situation.

This is an amazing rateOnly two months left to take

advantage of your creditunion’s Prime Minus 1/2% homeequity line of credit. We’reoffering an extraordinaryannual percentage rate of only8.5% with terrific options like100% financing!

Sign-up is easyTo get this rate, you must

apply by MarchÊ 31 and takeyour first draw of at least$10,000 by that date. If youalready have this line of credit,you can activate the lower ratefor your entire balance just bytaking a draw of at least $7,500by March 31.

The program ends June 30and the rate then reverts toPrime. So the sooner you takethe draw, the longer you’ll haveat the lower rate.

Borrow up to 100%of your home’s value

Take advantage too of ournew option of borrowing up to100% of your home’s value lessthe mortgage balance. Whenyou do so at this rate, you canuse it for something extraordi-nary. Put on an addition, startcollege, remodel your kitchen,buy a computer, cruise tosomewhere sunny and warm.

Tax deductibility a big plusOne of the very best things

about a home equity loan isthat the interest you pay ismost likely tax-deductible.

AnnualPercentageRate until 6/30

Prime Minus 1⁄2% is now

8.5%*

F E B R U A R Y 2 0 0 1 All-Region PDF

Apply today!Our application process is

easy and quick, and you haveseveral convenient ways toapply: Use CU@Home, ouronline access through our Website (at www.cuone.org). Callour Member Response Centerat 1-800-441-8999, or call yourbranch office (phone numbersare on the second page).

*APR= Annual Percentage Rate. Rates aresubject to change without notice.

Current APY* is

6697%


National Credit Union Administration, a U.S. Government AgencyLENDEREQUAL HOUSING

ONE’sTM


ONEdirectory

9-month CDsOur rates are terrific on this CD

Our rates are outstanding for our 9-monthCertificates of Deposit. In a short time, youcan significantly boost your returns—just bybeing smart enough to invest your money at

your credit union.The 9-month

term is perfect. Itdoesn’t commit youfor too long yet still

gives you a highyield. Plus, this CD’s

minimum deposit is only $2,000.These days, secured savings like our

9-month CDs are appealing, especially whenthe stock market is volatile. For more infor-mation and to open your CD, call the MemberResponse Center at 1-800-451-4292.*APY=Annual Percentage Yield. Rate subject to changewithout notice.

Our apologiesWe apologize to all our members

affected by technical difficulties withour computer system last month. Weregret the inconvenience it causedyou. Our staff worked around theclock to resolve the technical issuesas quickly as possible.

While we cannot guarantee therewill never be future trouble, wepledge to you to strive constantly toachieve the level of performance youhave come to expect from your creditunion. Thank you for your patience.

If you have any concerns, pleasefeel free to contact your nearestbranch office or call our MemberResponse Center at 1-800-451-4292,then press “7” for Member Services.

ADMINISTRATIVE OFFICES

400 E. Nine Mile Rd., Ferndale, MI 48220 ........................... 248-398-1210Toll Free ............................................................................ 800-451-4292

METRO DETROIT AREA

Beaumont Medical Center .................................................. 248-584-5260Detroit Medical Center (Receiving Hospital) ......................... 313-832-7030Farmington Hills ................................................................ 248-855-1101Farmington Hills (for Compuware employees only) .............. 248-737-5125Ferndale ............................................................................ 248-398-1210Macomb Township ............................................................ 810-566-1300Rochester Hills ..................................................................... coming soonRoyal Oak .......................................................................... 248-288-5010Shelby Township ............................................................... 810-254-5560Southwest Detroit .............................................................. 313-849-0080Sterling Heights ................................................................. 810-978-7181Troy .................................................................................. 248-879-5800Westland ........................................................................... 734-425-1520University of Detroit-Mercy (students and faculty only) ........ 313-864-9538For hours of operation, please call the specific branch office.

Member Response Center (to apply for loans) ...................... 800-488-2222Service Centers .................................................................... 800-800-9700

Located in Ann Arbor, Detroit, Garden City, Lansing, Livonia,Madison Heights, Novi, Redford, Riverview, Rochester HillsSt.Ê Clair Shores, Southfield, Sterling Heights, Taylor, and Waterford.Hours: M-F : 9-7, Sat: 9 –2

WEST MICHIGAN AREA

GRAND RAPIDSWalker .............................................................................. 616-453-550044th Street ........................................................................ 616-455-7200

TRAVERSE CITY: Area Code changed to 231Sixth Street ....................................................................... 231-946-5592Veterans Drive at 14th Street ............................................. 231-941-7330

OTHER NUMBERS

TDD Hearing/Speech Impaired .............................................. 248-398-2192

Compu-Phone ......................................... 248-547-9513 or 800-423-3069

ONE’s Financial Services, Inc. .......................................... 810-977-7218In Grand Rapids or Traverse City, call ................................ 800-719-0022

ONE’s Home & Auto InsuranceMetro Detroit area ............................................................. 248-619-3412Grand Rapids and Traverse City ONLY ................................ 888-511-ONES

ONE’s Mortgage ................................................................. 800-544-5567

Internet: http://www.cuone.org

Member Minder is produced monthly for Credit Union ONE members withchecking accounts and quarterly for all others. Please address all

comments to Marketing Department,Credit Union ONE, 400Ê E.Ê Nine Mile Rd.,Ferndale, MI 48220.

‘Streamline’Mortgage refinances simplified

Have you had your mortgage with CreditUnion ONE for the past 12 months? Is yourmortgage rate higher than the current marketrate? Have you been thinking of convertingyour adjustable rate mortgage to a fixed?

If you answered yes to any of these ques-tions, you may qualify for Credit Union ONE’snew “Streamline,” our very low-cost refinanceprogram. In many cases, you may be able tolower your monthly payments and interest ratewith no out-of-pocket costs. The total cost forour “Streamline” refinances is less than $500.If you have a mortgage elsewhere, we may beable to refinance it at competitive rates andextremely low cost. Call ONE’s Mortgage todayat 1-800-544-5567 and get on the road to lowerpayments, terms or rates.Some restrictions may apply.

Join usFor electrifyingUDM basketball

Your credit union issponsoring doublyexciting basketballgames at the Univer-sity of Detroit-Mercy.Please join us Feb. 10for the City of Detroit

Tricentennial Titan Basketball Double Header.The men’s team plays Wright State at 2:05 p.m.at Calihan Hall. The women’s game againstWisconsin-Green Bay follows at 4 p.m.

The men’s game will be televised, starting at1:30 p.m., on Fox Sports Net Detroit. So if youcan’t join us in person, tune in to watch the Titans.

For ticket reservations and more informa-tion, please call the UDM box office at313-993-1700.

Introducing…

Express CashWhen you need a little cash in just a little time...

We’re pleased to introduce a new product: Express Cash, a hybridof our overdraft and Fast KASH lines of credit. With this great newline, you’ll have funds to cover an overdraw on your checkingaccount or a shortfall on your monthly expenses. You can get bothconveniences with a variable rate as low as 2% over the prime rate.*With prime now at 9%, our best rate† is 11% APR!§ This is a great

rate, especially compared to others at 15% or as high as 22%.You’ll also save with low monthly payments and by taking out

only the amount you need. The minimum credit limit is$1,000. The maximum is $50,000. Applying is simple,quick and convenient: Call our Member Response Centerat 1-800-488-2222. Apply on our Web site atwww.cuone.org, or call or stop by your branch office(phone numbers are on the previous page).

*Prime rate is the rate last published in The Wall Street Journal.†Rates are determined by credit history and approval, and aresubject to change without notice. §APR=Annual Percentage Rate.

A MESSAGE FROM ONE’S fiNANCIAL SERVICES, INC.

IRA Q&AThere’s more to know about IRAs

Q. How much can I contribute to an IRA?A. You're allowed to make a combined

total contribution of up to $2,000 per year toany IRA you may qualify for.(That means you can’t contrib-ute $2,000 to a traditional IRAand another $2,000 to a RothIRA). However, this doesn'tinclude an education IRA. You can makecontributions in your child’s name to an

education IRA ofup to $500 peryear, per childunder age 18.

Q. When can Icontribute to myIRA?

A. You maycontribute to yourIRA any timeduring the year, orby the due date

for filing your tax return. For example, if youfile your tax return on a calendar basis, youcan make your 2000 IRA contributionbetween Jan. 1, 2000 and April 15, 2001.For specific tax information pertaining toyour situation, contact your tax consultant.

For more information on IRAs, contactONE’s Financial Services at 800-719-0022.You can meet with a ONE's Financial Servicerepresentative at no cost or obligation.

The products offered through ONE’s FinancialServices, Inc. are not federally insured; are notobligations of the credit union; are not guaranteed bythe credit union or any affiliated entity; and involveinvestment risk, including possible loss of principal.ONE’s Financial Services, Inc. representatives areregistered representatives of CUNA BrokerageServices, 5910 Mineral Point Rd., Madison, Wisconsin53705. Member NASD, SIPC. ONE’s FinancialServices, Inc. is a licensed insurance agency.

Newson the homefront

Annual Meeting set for March 28Please be sure to attend Credit Union ONE’s

Annual Meeting at 7 p.m. March 28 at the CenterBuilding, 400 E. Nine Mile in Ferndale.

Offices closed for Presidents’ DayAll CUO offices will be closed Monday, Feb. 19

in observance of Presidents’ Day.

Receiving a tax refund this year?Have your tax return deposited directly to

your Credit Union ONE account. Simply write inyour CUO account number and CUO’s routingand transit number (272479841) in the spaceprovided on your tax form.

Give your kids a head start with anEducation IRA.

Access your accounts from your easy chairwhen you connect to CU@Home

Use your computer to connect to CU@Home,our new Web access service. Access your creditunion account and perform many transactions.

Find out which checks have cleared,order copies or statements,even download informationinto your personal moneymanagement program (eitherMicrosoft Money or Quicken).

You can even order e-Statements, adigital version

of your CreditUnion ONE statement.

All you need is a modem,Internet service, and any browser (no need forany special software from your credit union).Just call up our Web site at <www.cuone.org>,click on the CU@Home link in the top frame,and follow the instructions. If you have anyquestions about this service, call our MemberResponse Center at 1-800-488-2222.

Teaching LearningR E S O U R C E T E A M

The Teaching Learning Re-source Team is a voluntaryconsortium of faculty devel-opment teams at EasternMichigan University, including:

• FCIE: Faculty Center forInstructional Excellence

• CIC: Center for InstructionalComputing

• CRS: Center for ResearchSupport

• Continuing Education

• Library Faculty

• and others who focus onfaculty development.

We aim to use the synergycreated from coordinating ourknowledge and efforts tocreate programs that will helpfaculty develop their talentsand hone their skills.

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Teaching in a vacuumis a sucky experience

T E A C H I N G S U C C E S S S T O R I E S U P C O M I N G E V E N T S

teacher learner t imes

emich.edu/tlrt

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This is the way we type the paper, typeSee TEACH page 2

L E A R N I N G S U C C E S S S T O R I E S

Teacher plus learner equals Teacher Learner Times

See LEARNING page 4

CIC: Your PC should be a Mac1–2:30 p.m. July 24McKenny Faculty RoomJoin Stuart Karabenick to learnwhy professors are happier whenthey’re Mac-based.

FCIE: Teaching du Jour4:30–4:35 p.m. June 31Physical PlantWhy the technique du jour wasn’ta good idea—and we ARE talkinghomonyms.

Library Faculty: Join ERIC3:30–5 p.m.Halle Library, Room 43Stick with ERIC to find the best,latest research the quickest.

J u l y 2 0 0 1 | E a s t e r n M i c h i g a n U n i v e r s i t y

L E A R N I N G S U C C E S S S T O R I E S

Teaching LearningR E S O U R C E T E A M

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C O N TA C T U S

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Continued from page 1

Teacher plus learner equals Teacher Learner Times

CICCenter for Instructional Computing

Halle Library, Room XXXStuart Karabenick, Bob Ferret

734-487-0000

CRSCenter for Research Support

Halle Library, Room XXXSomebody Else, Director

734-489-XXXX

Continuing EducationHalle Library, Room XXX

Yetanother Person, Director734-489-1386

FCIEFaculty Center for Instructional Excellence

Halle Library, Room XXXJan Collins-Eaglin, Director

734-489-1386

Library FacultyHalle Library, Everywhere

Someone S. Someone, Department Head734-487-XXXX

Teaching Learning Resource TeamHalle Library, Room XXX

734-487-XXXX

2 | t e a c h e r l e a r n e r t i m e s J u l y 2 0 0 1

early in the morning. This is the waywe type the paper early in the morn-ing or late in the evening. This is theway we type the paper This is the waywe type the paper, type the paper, typethe paper. This is the way we type thepaper type the paper early in the

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early in the morning. This is the waywe type the paper, type the paper, typethe paper. This is the way we type thepaper early in the morning. This is theway we type the paper early in themorning or late in the evening. This isthe way we type the paper This is theway we type the paper, type the paper,type the paper.

—Stuart Karabenick

TEACH

Teaching

in a vacuum

is truly an

experience

that sucks.

The Teacher Learner Times is published by theTeaching Learning Resource Team of EasternMichigan University monthly for faculty, staff,and all others interested in faculty development.

Stuart Karabenick, director of the WholeEnchilada, serves as editor. Please sendcomments to him at this location:

Halle Library, Room XXXEastern Michigan UniversityYpsilanti, MI 48197-XXXX

He may also be reached at: 734-487-XXXX or<[email protected]>.

©2001 Teaching Learning Resource Team,Eastern Michigan University.All rights reserved.

T A L K O F T H E T I M E S

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the paper, typethe

Here’s why teaching—like crime—doesn’t pay

Help your union add to its wage negotiations

CIC: Your PC should be a Mac1–2:30 p.m. July 24McKenny Faculty RoomJoin Stuart Karabenick to learn whyprofessors are happier when they’reMac-based.

FCIE: Teaching du Jour4:30–4:35 p.m. June 31Physical PlantWhy the technique du jour wasn’t agood idea—and we ARE talkinghomonyms.

J u l y 2 0 0 1 t e a c h e r l e a r n e r t i m e s | 3

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How to get a raise

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ComplaintCentral

The Teaching LearningResource Team is avoluntary consortium ofEMU faculty developmentteams, including

• FCIE: Faculty Center forInstructional Excellence


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T I M E S T I D B I T S


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Continued from page 1

Learning’s just a bunch of cherries

4 | t e a c h e r l e a r n e r t i m e s J u l y 2 0 0 1

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LEARNING

PC users croak sooner, study saysJoin Stuart Karabenick to learn why

professors are happier when they’re Mac-based. Why the technique du jour wasn’t agood idea—and we ARE talking hom-onyms. Stick with ERIC to find the best,latest research the quickest way possible.

FCIE awarded the Croix de GuerreWhy the technique du jour wasn’t a

good idea—and we ARE talking hom-onyms. Stick with ERIC to find the best,latest research the quickest.

Stick with ERIC to findthe best, latestresearch thequickest. Stick withERIC to find the best,latest research thequickest. Stick with ERIC tofind the best, latest research the quickest.Why the technique du jour wasn’t a goodidea—and we ARE talking homonyms.Stick with ERIC to find the best, latestresearch the quickest.

Library staff finds professor, 92,lost for years in microfiche lab

Stick with ERIC to find the best, latestresearch the quickest. Stick with ERIC tofind the best, latest research the quickest.Stick with ERIC to find the best, latestresearch the quickest. Stick with ERIC tofind the best, latest research the quickest.Stick with ERIC to find the best, latestresearch the quickest. Why the techniquedu jour wasn’t a good idea.

type the paper, typethe paper. This is theway we type the paperearly in the morning.

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paper. This is the way we type thepaper early in the morning.This is theway we type the paper, type the paper,type the paper. This is the way wetype the paper early in the morning.This is the way we type the paper,

R E S E A R C H N E W S

TM


ONE Credit Union ONE

MinderMember

While the world economy wreaks havocon the stock market, you may want to stickwith safer investments. Our Certificates ofDeposit and IRA Certificates fill the bill.

Rates are excellent now on our 12-monthCDs and IRA Certificates. See the chartbelow for rates that will give you high yields—especially when you get our Bonus Rates.†

It’s easy to get the Bonus Rate. Just sign upfor Direct Deposit Plus or Money Market Pluswhen you purchase your certificates.

12-month Bonus Rate*† Standard Rate

CD 5.641%* 5.378%*

IRA Cert. 5.746%* 5.483%*

A topsy-turvy world economy has

the stock market all awhirl. Ride it outwith safer investments like CDs from your credit union.

Safer CDsInvest safely whilethe world economy tiltsand still earn high yields

Call or stop by your branch office to takeadvantage of these high yields.

Remember, your money is safe at CreditUnion ONE because we’re insured by theNCUA, the National Credit Union Associa-tion. Its insurance has been rated as one ofthe safest ever.

*Annual Percentage Yield. †Bonus Rate is available to Direct Deposit Plusor Money Market Plus participants. Direct Deposit Plus is 90% ofpaycheck electronically deposited in a CUO account. Cannot becombined with other promotions. Rates subject to change.

N O V E M B E R 1 9 9 8 All-region PDF


National Credit Union Administration, a U.S. Government Agency

ADMINISTRATIVE OFFICES470 E. Nine Mile Rd., Ferndale, MI 48220 .............. 248-398-1210Toll Free ............................................................ 1-800-451-4292

METRO DETROIT AREADetroit Medical Center (Receiving Hospital) ............ 313-832-7030Farmington Hills (Covenant Branch) ....................... 248-855-1101Ferndale ............................................................... 248-398-1210Macomb Township ................................................ 810-566-1300Royal Oak ............................................................. 248-288-5010Shelby Township ................................................... 810-254-5560Southwest Detroit ................................................. 313-849-0080Sterling Heights ..................................................... 810-978-7181Troy ...................................................................... 248-879-5800Westland .............................................................. 734-425-1520For hours of operation, please call the specific branch office.

Member Center (to apply for loans) ......................... 1-800-488-2222Service Centers ..................................................... 1-800-800-9700

Located in Ann Arbor, Detroit, Garden City, Lansing, Livonia, Madison Heights,Novi, Redford, Riverview, Rochester Hills, St. Clair Shores, Sterling Heights,Taylor, and Waterford. Hours: M-F : 9-7, Sat: 9 –2

WEST MICHIGAN AREA

GRAND RAPIDSWalker .................................................................. 616-453-550044th Street ............................................................ 616-455-7200Plainfield ............................................................... 616-361-0802

TRAVERSE CITYSixth Street ........................................................... 616-946-5592Veterans Drive at 14th Street ................................. 616-941-7330

OTHER NUMBERSTDD Hearing/Speech Impaired .................................. 248-398-2192Compu-Phone .............................. 248-547-9513 or 800-423-3069ONE’s Financial Services, Inc. ............................... 810-977-7218

In Grand Rapids or Traverse City, call .................... 800-719-0022ONE’s Home & Auto Insurance

Metro Detroit area ................................................. 248-619-3412Grand Rapids and Traverse City ONLY ................... 888-511-ONES

ONE’s Mortgage ..................................... contact your branch officeWorldwide Specialists Travel (toll free) ................... 877-408-7281Internet: http://www.cuone.org

Member Minder is produced monthly for Credit Union ONE members with checkingaccounts and quarterly for all others. Please address all comments to Bethann

Gyorke, Member Minder Editor, MarketingDepartment, Credit Union ONE, 470 E. Nine Mile Rd.,Ferndale, MI 48220, or send email to Ms. Gyorke [email protected].

ONE’s

LENDEREQUAL HOUSING

TM


ONE directory

Our amazingly low rate ofprime minus 1%* on our homeequity line of credit haslowered again to avariable annual per-centage rate of 7%!

Borrow up to 90% ofyour home’s appraised valueless your mortgage balance andpay no fees. We’re continuing theprogram up to the year 2000 for new andexisting accounts of at least $5,000. You canalso refinance a home equity loan fromanother institution and save significantly.

To open a new account, call 800-447-4448or your local branch office. But hurry, youmust apply before Dec. 31, 1998.

*Prime rate will be the rate announced in the latestpublished issue of The Wall Street Journal. The

“Prime Minus 1%” calculation expires Dec.31, 1999, at which point all accounts

revert to the current Prime Rate.Rates subject to change.

PrimeCut

Home equity line1% below primeuntil the year 2000

AnnualPercentageRate

Loweredagain!

7%

Notesjust formembers

Just in time for end-of-year sales, you canget our Best Rate of 7.5% APR* on 1996-1999models (7.75% APR standard).

It’s easy to get the Best Rate. Just sign upfor Direct Deposit Plus† or Money MarketPlus and automatic transfer ofyour payment when youapply for your loan.

Terms for these autoloans are generous: up to 72months for 1998-99 models,and up to 60 months for1996-97 models.

Also consider refinancing an auto loanfrom another institution. You may save a lot!

To apply, call the Member Center at800-488-2222. You’ll find out right away ifyour loan is approved!

And remember, you can get completeinsurance coverage for your new vehicle at agreat price through ONE’s Home & Auto. Fora quote, please call the numbers listed at left.*APR = Annual Percentage Rate. †Direct Deposit Plus is 90% of paycheckdirectly deposited to a CUO account. Cannot be combined with otherpromotions. Rates subject to change without notice.

AutoLoans

Get ourBest Rate!

Best Rate

750%*APR

Please note our holiday timesOur Thanksgiving, Christmas, and New Year’s

Day schedules are as follows:Closed: Thursday, Nov. 26Closed: Thursday, Dec. 24; Friday, Dec. 25; Friday, Jan. 1Closed at 1 p.m.: Thursday, Dec. 31

Safe deposit boxes availableKeep your precious possessions out of danger

in a safe deposit box. Boxes are available atthese offices: Ferndale, Shelby Township,Sterling Heights, Troy, Westland, in the metroarea; 44th Street in Grand Rapids; VeteransDrive in Traverse City. Call these offices fordetails (numbers are on page 2).

Annual meeting coming upAccording to the Credit Union ONE bylaws,

candidates for the open positions on the boardof directors will be nominated and submitted bythe Nominations Committee, a specially formedsubcommittee of the board.

Credit Union ONE board members whoseterms are expiring in 1999 are CharleneAugustyn, Charles Bozick, Jr., Marvin Rosenberg,and Guadalupe Lara. Other nominations may bemade by obtaining petitions now available at themain office at 400 E. Nine Mile Rd. in Ferndale.

Completed petitions must be received by Dec.15, 1998. Members wishing to run for electionmust obtain 1,000 member signatures on thepetitions no earlier than 120 days prior to this date.

Please contact Mark Sebastian or JudiDesilets at (248) 398-1210 if you have anyquestions or would like to request petitions.

A messagefrom ONE’s Financial Services, Inc.

Grow wealth, reduce risk with time-tested strategies

The products offered through ONE’s Financial Services, Inc.are not federally insured; are not obligations of the creditunion; are not guaranteed by the credit union or anyaffiliated entity; and involve investment risk, includingpossible loss of principal. ONE’s Financial Services, Inc.representatives are registered representatives of CUNABrokerage Services, 5910 Mineral Point Rd., Madison,Wisconsin 53705. Member NASD, SIPC. ONE’s FinancialServices, Inc. is a licensed insurance agency.

investment in a fixed account, plusthe growth potential of a variablefund.To learn more, please contact

ONE’s Financial Services at800-719-0022.

When the investment market getsnervous, so do investors. If the Dow

Jones and other indica-tors show signs of yo-yobehavior, it tests theresolve of people withlong-term goals likeretirement. How-

ever, there are time-tested strate-gies for reducing risk in the moststormy conditions:• Dollar Cost Averaging: Investing

a set dollar amount on a regularbasis. When fund shares are high,you buy fewer units. When low,you buy more. Over time, youraverage cost per share is less thanthe average price per share.

• Asset Allocation: Diversifyingthrough a wide range of invest-ments to insulate against marketextremes.

• Portfolio Rebalance: Adjusting youraccount periodically to maintain thespecific allocations of the types ofinvestments you’ve chosen.

• Fund Preservation: Receiving aguarantee return on an original

TM


ONE Credit Union ONE

MinderMember

AutoLoans

Give yourself the giftof a great rate!

We’ve giftwrapped our Auto Loans, whichnow offer you an outstanding 6.89% annualpercentage rate on 1996-1999 models—just in time to get a safe, new vehiclefor the winter months.

These newrates applyto everyoneand includevery generousterms. For1998-99models, youcan get termsup to 72 months.For 1996-97models, terms areavailable up to 60months.

689%*

If you have a vehicle loan from anotherinstitution at a higher rate, you shoulddefinitely�consider refinancing.† You may save

quite a bundle,which isespeciallyimportantduring theholidays!

To apply,call the Member

Center at 800-488-2222. You’ll find outright away if your loan is approved!

And remember, you can get completeinsurance coverage for your new vehicle ata great price through ONE’s Home & Autoinsurance. For a quote, call 248-619-3412 inmetro Detroit. In Grand Rapids or TraverseCity, call toll-free at 888-511-ONES.*APR = Annual Percentage Rate. Cannot be combined with otherpromotions. Rates subject to change without notice. †Does not apply toexisting Credit Union ONE loans.

for 1996–99 newand used vehicles

D E C E M B E R 1 9 9 8 All-region PDF


National Credit Union Administration, a U.S. Government Agency

ADMINISTRATIVE OFFICES400 E. Nine Mile Rd., Ferndale, MI 48220 .............. 248-398-1210Toll Free ............................................................ 1-800-451-4292

METRO DETROIT AREADetroit Medical Center (Receiving Hospital) ............ 313-832-7030Farmington Hills (Covenant Branch) ....................... 248-855-1101Ferndale ............................................................... 248-398-1210Macomb Township ................................................ 810-566-1300Royal Oak ............................................................. 248-288-5010Shelby Township ................................................... 810-254-5560Southwest Detroit ................................................. 313-849-0080Sterling Heights ..................................................... 810-978-7181Troy ...................................................................... 248-879-5800Westland .............................................................. 734-425-1520For hours of operation, please call the specific branch office.

Member Center (to apply for loans) ......................... 1-800-488-2222Service Centers ..................................................... 1-800-800-9700

Located in Ann Arbor, Detroit, Garden City, Lansing, Livonia, Madison Heights,Novi, Redford, Riverview, Rochester Hills, St. Clair Shores, Sterling Heights,Taylor, and Waterford. Hours: M-F : 9-7, Sat: 9 –2

WEST MICHIGAN AREA

GRAND RAPIDSWalker .................................................................. 616-453-550044th Street ............................................................ 616-455-7200Plainfield ............................................................... 616-361-0802

TRAVERSE CITYSixth Street ........................................................... 616-946-5592Veterans Drive at 14th Street ................................. 616-941-7330

OTHER NUMBERSTDD Hearing/Speech Impaired .................................. 248-398-2192Compu-Phone .............................. 248-547-9513 or 800-423-3069ONE’s Financial Services, Inc. ............................... 810-977-7218

In Grand Rapids or Traverse City, call .................... 800-719-0022ONE’s Home & Auto Insurance

Metro Detroit area ................................................. 248-619-3412Grand Rapids and Traverse City ONLY ................... 888-511-ONES

ONE’s Mortgage ..................................... contact your branch officeWorldwide Specialists Travel (toll free) ................... 877-408-7281Internet: http://www.cuone.org

Member Minder is produced monthly for Credit Union ONE members with checkingaccounts and quarterly for all others. Please address all comments to Bethann

Gyorke, Member Minder Editor, MarketingDepartment, Credit Union ONE, 470 E. Nine Mile Rd.,Ferndale, MI 48220.

ONE’s

LENDEREQUAL HOUSING

TM


ONE directory

Your credit union’s new Center Building inFerndale was dedicated to servicing membersat a ribbon-cutting ceremony Nov. 5. RichardJ. Bahls, board chairman, and Armando R.Cavazos, president and CEO, welcomedguests and reflected on the building’s con-struction. Both emphasized how the new five-story building will serve members’ needs wellinto the new century.

Ribboncutting

Center Buildingis dedicatedto service

The Credit Union ONE Board of Directors and administration cutthe ceremonial ribbon at the Center Building’s dedication Nov. 5.

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Notesjust formembers

Please note our holiday timesOur Christmas and New Year’s Day sched-

ules are as follows:

Closed: Thursday, Dec. 24; Friday, Dec. 25; Friday, Jan. 1Closed at 1 p.m.: Thursday, Dec. 31

Traverse City area code to changeOur Traverse City offices will have a new

area code next year—231. It will go intoeffect June 5 and be mandatory by Oct. 2.Grand Rapids will stay in the 616 area code.

Election petitions due Dec. 15According to the Credit Union ONE

bylaws, candidates for the open positions onthe board of directors will be nominated andsubmitted by the Nominations Committee, aspecially formed subcommittee of the board.

Credit Union ONE board members whoseterms are expiring in 1999 are CharleneAugustyn, Charles Bozick, Jr., MarvinRosenberg, and Guadalupe Lara. Othernominations may be made by obtainingpetitions now available at the main office at400 E. Nine Mile Rd. in Ferndale.

Completed petitions must be received byDec. 15, 1998. Members wishing to run forelection must obtain 1,000 member signatureson the petitions no earlier than 120 days priorto this date. Please contact Mark Sebastian orJudi Desilets at (248) 398-1210 if you have anyquestions or would like to request petitions.

CDsEarn high yieldsand invest safely with CDsfrom your credit union

12-month Bonus Rate*† Standard Rate

CD 5.378%* 5.116%*

IRA Cert. 5.483%* 5.221%*

While the stock market is still teetering,stick with safer investments. Our Certificatesof Deposit and IRA Certificates fit the bill.

Rates are excellent now on our 12-monthCDs and IRA Certificates. See the chartbelow for rates that will give you high yields—especially with our Bonus Rates.

It’s easy to get the Bonus Rate. Just sign upfor Direct Deposit Plus or Money Market Pluswhen you purchase your certificates. You’llbenefit with both these services. MoneyMarket Plus also offers high yields and Direct

Deposit Plus, which is 90% or more of yourcheck automatically deposited in a CreditUnion ONE account, offers great convenience.

To purchase your CDs, call or stop by yourbranch office.

And remember, your money is safe atCredit Union ONE because we’re insured bythe NCUA, the National Credit Union Admin-istration. Its insurance has been rated as oneof the safest ever.*Annual Percentage Yield. Cannot be combined with other promotions.Rates subject to change.

NewsA MESSAGE FROM ONE’S FINANCIAL SERVICES, INC.on the homefrontYou first!

If you want lasting security,you should pay yourself first

Do you pay the most important billfirst—the money you owe yourself?

At ONE’s Financial Services, Inc.,we believe top priority for your hard-earned incomes goes to the name onyour paycheck.

Let us show you sound strategies that give lastingfinancial security for you and your family.

Contact aONE’s Financialrepresentatve at800-719-0022for more strate-gies. There’s nocost or obligationto you.The products offered throughONE’s Financial Services,Inc. are not federallyinsured; are not obligationsof the credit union; are notguaranteed by the creditunion or any affiliated entity;and involve investment risk,including possible loss of

principal. ONE’s Financial Services, Inc. representatives are registered representa-tives of CUNA Brokerage Services, 5910 Mineral Point Rd., Madison, Wisconsin 53705.Member NASD, SIPC. ONE’s Financial Services, Inc. is a licensed insurance agency.

Get a quote from ONE’s Home & AutoNeed good home or auto insurance? Call ONE’s

Home & Auto. We work with 20 major companiesand can find you the perfect insurance for yourneeds—at a great price. Our phone numbers arelisted in ONE’s Directory on page 2.

Got kids? Then you especially need to buildfinancial security. Call ONE’s Financial Service,Inc. to learn more.

Jerry Nobozny, a 30-year CreditUnion ONE member, loved howsmoothly the loan process was whenhe recently bought a truck at our jointcar sale with Enterprise. Jerry calledbefore the sale, got preapproved, andfound the perfect pickup.

CreditUnionONEexperience

my

Equity line drops to 6.75%*Our amazingly low rate of prime

minus 1%† on our home equity line ofcredit has lowered again to a variableannual percentage rate of 6.75%!Borrow up to 90% ofyour home’s appraisedvalue minus yourmortgage balance andpay no fees. To open anew account, call800-447-4448. But hurry, you mustapply before Dec. 31, 1998.*Annual percentage rate. †Prime rate will be the rate announcedin the latest published issue of The Wall Street Journal. The “PrimeMinus 1%” calculation expires Dec. 31, 1999, at which point allaccounts revert to the current Prime Rate. Rates subject to change.

675%Loweredagain!

AnnualPercentageRate

metro detroit