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messengerTHEwinter 2016
In This Issue
Join Our 52-Week Savings Challenge to Save in 2016!If you’ve resolved to save more money in 2016, we can help! Blackhawk is issuing a 52-Week Savings Challenge that not only helps you tuck money aside every week, but also gives you a chance to double your money at the end of the Challenge! It’s easy and fun – read on for more details.
How Does the Challenge Work?
The idea is simple: Open a Challenge Savings Account and deposit $1 on week one of 2016, followed by $2 on week two, $3 on week three, etc., until you reach week 52, when you make your last deposit of $52. Your fi nal balance at the end of the year is $1,378.
How Do Members Make Deposits?
Just sign up to have automatic transfers made to the account by completing an enrollment card. As long as funds are in the transfer account, your transfers will occur before noon on Fridays. Deposits can also be made in person at a branch, or you can do a transfer by phone or online.
What Interest Rate Does It Have?
To help encourage and reward savers throughout the year, the interest rate is 3.00% APY.* But to get that great rate, you have to keep participating according to the Challenge; the interest rate is tiered to only pay 3.00% on the amount of the scheduled balance for the corresponding week.
How Could I Double My Money?
At the end of the Challenge, one lucky saver will double their money with a matching deposit from Blackhawk. Your name will automatically be entered in the sweepstakes with each deposit you make.
For more details or to get started on the 52-Week Savings Challenge, call
us at 608-755-6065 or 800-779-5555.*Federally insured by NCUA. APY=Annual Percentage Yield. One Challenge Savings Account per member. No purchase necessary. Sweepstakes odds depend on number of entries. For full contest rules, see a Member Advisor. Sweepstakes ends December 31, 2016. Sponsor: Blackhawk Community Credit Union, PO Box 5366, Janesville, WI 53547.
50 Wishes
Tax Time = Relax Time
Celebrating Employees
Blackhawk Scholarship
New Blackhawk EMV Debit & Credit Cards
Run for Our Board
Save the Date for Our 2016 Annual Meeting
Money Savings Challenge~ The Fifty-Two Week ~
Week** Deposit Amount
Account Balance
1 $1 $1
10 $10 $55
20 $20 $210
30 $30 $465
40 $40 $820
50 $50 $1,275
52 $52 $1,378
**Not all 52 weeks are displayed on the chart above.
Open Your
Challenge
Savings Account
Today & Earn
3.00% APY*
Winter Calendar of Events
January 1 Closed for New Year’s Day
January 18 Closed for Martin Luther King, Jr. Day
February 5 Go Red Day for American Heart Association
February 6 Children’s Miracle Network Bowlathon
February 12 Kandu Grapes & Hops,
6:00-10:00 p.m.
February 15 Closed for Presidents Day
March 25 Easter Bunny at Court Street
March 25 Closed at 12:30 p.m. for Good Friday
March 31 Blackhawk Scholarships Due
Mary Frederick, ChairpersonTom Osmond, Vice ChairpersonMarge Fenrick, SecretaryTom Brien, TreasurerEdmund Halabi, DirectorShannon Riley, DirectorTim Silha, DirectorGlenn Lea, Emeritus DirectorJohn Jenks, Associate Director
Board of Directors
Welcome to Your New EMV Debit and Credit Cards
As your Blackhawk debit and/or credit cards expire, we will be reissuing them as new EMV cards that off er additional security.
What is EMV?EMV stands for EuroPay, MasterCard®, Visa® and represents microchip technology in your card that increases security. This technology originated in Europe and has been instrumental in preventing the spread of credit and debit card fraud.
How Does EMV Work?Blackhawk accounts are monitored for fraud 24 hours a day, seven days a week. The microchip enhances this process by providing dynamic data at the time of use that cannot be known by someone who steals your card or your card number. Additionally, a microchip is much more diffi cult to replicate or counterfeit than the old cards with just a magnetic strip.
Do I Need to Do Anything?Your new EMV card has a new expiration date, so if you have automatic payments set up with your card, you will need to give the merchants your new expiration date.
How Do I Use My New Card?While EMV cards are widely accepted throughout Europe, many merchants across the United States are still working to update their payment terminals to process EMV microchip transactions.
First, swipe your card. If the merchant isn’t EMV-ready, the transaction will be processed using the magnetic strip on your card. If the merchant is EMV-ready, you will be prompted to insert your card into the terminal. Your card will be kept safely inside the terminal while the microchip is authenticated and the transaction is completed.
Second, remember your PIN. Terminals may use diff erent formats (either your PIN or your signature) to authenticate you as the cardholder. Third, remove your card. Some terminals may remind you to take your card, but some may not.
If you have any questions, we’re happy to help at 608-755-6065 or 800-779-5555.
Turn Tax Time into Relax Time
The tax season doesn’t have to be as stressful as you think. Blackhawk is here to help ease your tax preparation – and your mind – with several convenient tax tools and support options:
20% Savings on Face-to-Face Tax PreparationLet Liberty Tax Services take tax preparation off your hands – at 20% off ! We’ve partnered with this professional tax preparer to help you save time, hassle and money. Simply ask for the “Blackhawk Member Only” coupon for your 20% discount or pick one up at any Blackhawk Community Credit Union branch location.
Online Convenience Through TurboTaxIf you prefer to fi le online, visit our website at www.bhccu.org, and click on the link to use TurboTax® and receive a credit union discount. This helpful tool walks you through the tax-preparation process for greater ease and accuracy.
Tax Refund Anticipation LoansAwaiting a tax refund and want the cash now? Need a little more cash cushion for your tax bill? Ask about our $1,000 Tax Refund Anticipation Loans,* our Signature Loans or Kwik Cash.
If you have any questions, please call us at 800-779-5555.*Tax Refund Anticipation Loans: Maximum loan amount is $1,000, 90-day term with a one-pay note, 18.00% annual percentage rate. All loans subject to approval.
Where Will $25,000 Take You?
Blackhawk has teamed up with TurboTax to get you your maximum refund, savings of up to $15 on TurboTax federal products and a chance to win $25,000.
• TurboTax translates taxes into simple questions about your life and puts everything in the right forms for you.
• TurboTax searches over 350 deductions and credits, so you won’t miss a thing.
• TurboTax runs error checks and a fi nal review to help make sure your taxes are done right.
Just try TurboTax Online for FREE (and provide your email address) by February 18 to be automatically entered in the TurboTax $25,000 Payday Sweepstakes.1 Start TurboTax now!1 TurboTax $25,000 Payday Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the fi fty (50) United States or the District of Columbia, 18 years of age or older at time of entry. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/18/16. Subject to complete Offi cial Rules and all applicable federal, state and local laws. For offi cial rules, including odds of winning, alternate method of entry and prize descriptions, visit https://turbotax.intuit.com/microsite/sweeps-rules.jsp. PRIZES: One (1) Grand Prize: A check for $25,000. Retail value: $25,000. Ten (10) First Prizes: A check for $1,000. Retail value: $1,000 each. Maximum retail value of all prizes is $35,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the promotion period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22H, San Diego, CA 92129.
© 2015-2016 Intuit Inc. All rights reserved. State fi ling charges apply. Limited-time off er for TurboTax 2015. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.
Celebrating Blackhawk Employee MilestonesBlackhawk is defi ned by our wonderful, caring employees, many of whom have been with us for years. Each December, we celebrate our dedicated staff at our Blackhawk Community Credit Union Service Award Banquet and Holiday Party. Recognizing their years of service is our way of honoring how much they do for our credit union – and more importantly, how much they do for our members.
A special thank you to the following employees, who were recognized for their service milestones:
SAVINGS:
Blackhawk Routing Number: 275978048
Simply use your Member Number
CHECKING:
Blackhawk Routing Number: 275978048
Account Number is the 8 or 13 numbers located next to the routing number
Janesville, WI 53545
275978048
Making Direct Deposit of Your Tax Refund Easy
If you are using direct deposit for a tax refund, here’s how to fi nd the Blackhawk account numbers you need.
Questions? We’re always happy to help at 800-779-5555. Call us today.
5 Years:Cory DullRyan JohnsonJulie Johnson-FossAmanda McCullochJames NachtweyJulie PapiniNicole RothGail Wimmer
15 Years:Jayne BostonHolly Jackson
20 Years:Brenda MolnarShari O’KaneLaurie Van Horn
25 Years:Joleen Kaehler
30 Years:Ann Welsh
35 Years:Connie Clark
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Be Sure You “Like” Us for Info You’ll Love!
Follow us on our Facebook page to hear all about our community events and other key updates.
Janesville – Westside2640 W Court St608-755-6065
Blackhawk Bus Tours – Don’t Miss the Fun! Blackhawk is off ering several bus tours for members to visit and experience unique destinations throughout 2016! The cost is reduced for members, but non-members are also welcome. Check out the fun options below, and please contact Monica Wellen at 608-314-1215 or [email protected] for more information.
DATE TRIP TIME MEMBER COST NON-MEMBER COST
February 11, 2016 Grand Victoria Casino and Fisher Nut Outlet
Load at 8:15 a.m. Return at 4:00 p.m.
$25 $35
March 22, 2016 Jacob Henry Mansion Load at 8:15 a.m. Return at 5:00 p.m.
$70 $90
April* Cork to Fork (Wollersheim Winery and Blue Spoon Restaurant)
May* Diamond Jo Casino
June* Lots of Fun in Lake Geneva
July* Brew and Boat in Milwaukee, WI
November* Potawatomi Casino
December* Fireside Holiday Show
JOIN US FOR A BUS TOUR
*Dates and details to come.
As our 50th Anniversary year winds to a close, we wanted to show our gratitude to the communities we serve. So, we made 50 wishes come true this holiday season. In November, we accepted nominations, and in December, our Wish Team was out and about granting 50 wishes! We appreciate your membership. Because of you, we are 50 years strong!
Janesville – Westside 2640 W Court St 608-755-6065
Janesville – Eastside 2704 E Milwaukee St
608-755-6065
Janesville – Northside 3012 Deerfield Dr
608-755-6065
Edgerton 617 N Main St
608-884-3351
Delavan 1116 E Geneva St 262-728-8686
Stoughton 1525 US Hwy 51-138
608-873-3929
Branch Locations
Federally Insured
by NCUA
Sherri Stumpf, CEO [email protected]
Matt Wohlers, SVP Finance/Administration, CFO [email protected]
Caroline Redmann, SVP Operations, COO [email protected]
David Schalk, SVP Lending, CLO [email protected]
Lisa Palma, SVP Member Experience, CXO [email protected]
Senior Management
TeamSmart Advice. Friendly Service. Locally Owned.
608-755-6065 • 800-779-5555
www.bhccu.org
Beloit 500 Public Ave Ste 101
608-755-6065
Milton 701 S Janesville St
608-755-6065
Announcing the Opportunity to Run for Our Board
Blackhawk Community Credit Union is owned by our members
and governed by a member-elected board of directors. We’d like to
announce the opportunity for qualified members to run for a position
on the Blackhawk board! We invite any interested party to contact
our Nominating Committee through Colleen Curtis-Trappe, Executive
Assistant, at [email protected] or by calling 608-314-1101.
SAVE THE DATE FOR Our 2016 Annual Meeting
Show your Blackhawk pride and attend our Annual Meeting:
Sunday, April 24, 201611:00 a.m. – 2:00 p.m.Pontiac Convention Center2809 N. Pontiac DriveJanesville, WI 53545
So, save the date – we’re excited to see you there!
Lost/Replacement Debit and Credit Cards
Please note that effective February 1, 2016, there is a $10.00 fee to
replace a Blackhawk debit or credit card.
Will You Receive a Blackhawk Community Credit Union Scholarship?
Apply today to find out! Blackhawk
Community Credit Union will once
again be awarding over $13,000 in
scholarships to this year’s high school
seniors. Here are the details:
• Scholarship applications are available
online at www.bhccu.org and at all
branch locations.
• Eligible applicants include seniors
at high schools in Rock, Dane,
Jefferson, Walworth, Green, Kenosha,
Racine and Waukesha Counties in
Wisconsin, as well as Winnebago and
Boone Counties in Illinois.
• Applicants must be members of the
credit union to be eligible.
• Applicants will be chosen based on
their overall academic performance,
references and written essay.
• Applications must be received by
March 31, 2016, for consideration.
The Scholarship Committee will
review all applications and select the
recipients. Apply now for this fantastic
opportunity for your future!
