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ECU INSIGHTS
APRIL 2016
ECU Awards $9,000 in ScholarshipsECU awarded six $1,500 scholarships to deserving graduates. The scholarship committee reviewed every applicant based on academic achievements, co-curricular and extra curricular activities, community service and financial need. Recipients attend the college or university of their choice and scholarships are paid directly to the school.
2016 recipients were recognized and awarded at the Annual Meeting held on March 28th. Those honored were: Ian Knight from Franklin High School, Molly Majors from Midway High School, Alicia Martinez from University High School, Samantha Scott from Robinson High School, Whitley Sepulveda from Bosqueville High School and Jordan Stroope from McGregor High School. (pictured below from left to right).
ECU’s Platinum MasterCard carries benefits and privileges other cards don’t.
• Low Interest Rates• No Annual Fee• Zero Fraud Liability• Travel Assistance Services - such as travel accident insurance policy coverage and baggage delay benefits• Master RoadAssist - should you need to be towed• MasterCard’s Purchase Assurance
Compare our rates to what you are currently paying. Applying is easy; simply stop in to one of our branches to fill out an application.
Benefits of a Platinum Card
As a member-owned not-for-profit cooperative, Educators Credit Union’s mission is to provide you with affordable financial services. Unlike banks that are beholden to a profit-seeking board of directors, our surplus earnings come right back to you.
While banks continue to raise fees on checking accounts, ATM use, and overdrafts, ECU still offers no- or low-fee checking accounts, with no- or low-minimum balance requirements. Here are more reasons it pays to open a checking account at Educators Credit Union:
• Interest-earning checking• Direct-deposit incentives• One free box of checks per year*• Discounted Safety Deposit Box option*• Free notary service
Why lose your hard-earned money to monthly fees at banks or expensive check cashing programs?Call us today at 254-776-7900—and exercise your right as a member to low-cost, flexible checking options.
*Offered with Direct Choice and Club 55 checking accounts.
Auto Loans
Home Equity Loans
Personal Loans
rates as low as 1.99% APR1
1APR = Annual Percentage Rate. Rate is based on credit rating and is subject to normal credit approval. Rates are subject to change without notice. Rate is for a 63-month term, 2010 model or newer Certain restrictions apply.
rates as low as 3.05 % APR2
2APR = Annual Percentage Rate. Rate is based on credit rating and is subject to normal credit approval. Rates, terms and conditions are subject to change without notice. Minimum loan amount is $25,000. Rate is for a 10-year term. Excludes existing ECU loans. Certain restrictions apply. Equal Housing Lender.
rates as low as 9.00% APR3
3APR = Annual Percentage Rate. Rate is based on credit rating and is subject to normal credit approval. Rates subject to change without notice.
It Pays to Open a Checking Account With ECU
Employees Receive Service Awards at Annual Meeting
“These employees represent 101 years of service to ECU and our members. We are very proud of each employee and thank them for their dedicated service to Educators Credit Union.”
Joe HutyraPresident/CEO
Monica KrenekVP of Lending
25 years
Chris BeckmanCopperas Cove Manager
20 years
Carol BaileyTeller Supervisor
15 years
Margaret SmitheyLoan Receptionist
10 years
Melissa VohlLoan Audit
10 years
Angela UriveLoan Processor
Marlin Office5 years
Robert JacksonLoan Processor
5 years
Lucinda SeymoreLoan Compliance
5 years
Maricela BotelloAccount ServicesRobinson Office
3 years
John Mark McKethanAccounting
3 years
Members have saved over $1.4 billion with Love My Credit Union Rewards.
LOVE MYCREDIT UNIONREWARDS
Start saving today at LoveMyCreditUnion.org
Locations: Main Office - 501 W. State Hwy 6 • 254-776-7900TSTC Office - 100 Bolling Dr. • 254-799-8946Hewitt Office - 501 Hewitt Dr. • 254-666-7711Lake Shore Office - 2400 W. Lake Shore Dr. • 254-752-1815Robinson Office - 641 N. Robinson Dr. • 254-662-9595Marlin Office - 1210 Live Oak • 254-803-5290Gatesville Office - 306 S. Lovers Ln • 254-865-8664Copperas Cove Office - 201 E. Robertson Ave. • 254-547-4411Trojan Branch at UHS - 3201 South New Rd. • 254-756-1843 x2019
Audio Response: Online:254-751-5871 www.edcu.com1-800-460-1331
Holiday Closings: Memorial Day - Monday, May 30th Independence Day - Monday, July 4th
Every year ECU sends funds to the state from accounts which are inactive. In the state of Texas, an account is considered inactive after one year if no transactions are completed on the account. After three years of inactivity, the funds in those accounts are sent to the state. To keep your account from becoming inactive be sure to make a deposit or withdrawal from your account at least once a year.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency
Inactive Accounts
ECU will provide information on the following docu-ments on request:
1. A summary of the most recent annual audit2. The most recent statement of financial condition3. IRS Form 990 report4. Articles of Incorporation5. Bylaws and Rules
Requests must be made in person, by a member of legal age, at ECU’s main office located at 501 W. State Hwy 6 in Waco.
Notice of Availability of Documents
ATTENTION C.U.B. AND TEAM MEMBERS!
Visit ECU during the month of April to help us celebrate National Credit Union Youth Month. Get Credit Union Strong at ECU by saving your money in your savings account. Stop by any ECU and make a deposit to your C.U.B. or TEAM account to:• be entered in the National Savings Challenge and• be entered to win one of five $20 prizes.*
Remember, ECU membership is open to all your family members.
*One entry per account number per day.
April National Credit Union Youth Month
May 9-13 Midway Middle School Art Show Art will be on display at the Hewitt Branch
July 1 Member Appreciation Day Hot dogs and Drinks will be given out at the Main Office from 11 a.m. - 3 p.m.
Upcoming Events
Do we have your correct address and phone num-ber? Please keep your contact information up-to-date at the credit union. Should there be any issues concerning your account, we need good contact information in order to reach you.
Keep your Address Updated