Save For Fun And Sun With A Vacation Club Everyone knows it's important to save for that proverbial rainy day. But money experts advise it's equally important to set aside funds for the sunnier side of life. When you open a Vacation Club account at the credit union, that dream vacation can become a reality. With a Vacation Club account, you can segregate funds within your budget for fun, which can serve as a powerful motivational tool for saving. Plus, if you use an automatic transfer or payroll deduction for your deposits, saving will be simple and painless. Get the whole family involved by posting a picture of your vacation goal on the refrigerator with a container for contributions nearby; regularly deposit the money you collect into your Vacation Club account. Remember, even small amounts can add up, and before you know it, you'll be on your way to fun in the sun.

Need Time AWAy? Ask Us About Vacation Loans If you think a vacation is a luxury, think again. For peak performance, it may actually be a necessity. Human resource and health professionals advise that among other benefits taking a vacation improves productivity at work, helps prevent burnout, enhances creativity, relieves stress, promotes a sense of well-being, and makes us healthier. With a great rate on a vacation loan from the credit union, you won't negate those positive effects by overspending on your time away. You can still use your credit cards for booking your transportation and accommodations, but with your vacation loan, you can pay off the balances and avoid high interest rate charges. A vacation loan lets you set a budget and makes it easier to stick to it. For more information or to apply, contact the staff at the credit union.

809-6666

Volume 35, Number 3July 2012

StaffJanet ManningCEO/Loan Officer

Martha GreenAssistant Manager

Ann BrooksLoan Officer/New Accounts Clerk

Lydia StarksInsurance Clerk/Teller

Barret LooperStudent Assistant

Board of DirectorsScott BarnesBetty BlodgettDavid DurrCarmen GarlandLarry GuinDannie HarrisonDavid KraemerPaul NabereznyCadelia Turpin

Credit CommitteeLarry AndersonPhyllis BaurerBarry BrownLarry OppermanJeanette Osborne

Supervisory CommitteeMary SmithGayle VinsonDebbie Wagoner

NewsletterLinda PierceEditor

HOURS 9:30 a.m. to 4 p.m. Monday –Thursday

9:30 a.m. to 5 p.m. Friday

For your convenienceNiGHT dePOSiTis available

50420-NEWS-0612

In addition to dropping your order form off at the credit union, you can now order online or call toll-free 24 hours a day, 7 days a week.

Harland Clarke • 1-800-355-8123 • www.checkreorderexpress.com

Need new checks?

Share Secured Loans Help Keep Savings intact You're working hard to build up your savings — maybe for a well-deserved vacation or the down payment on a house. So when life throws you a curve ball in the form of a medical emergency or an unexpected car repair, it seems a shame to raid your share account. That's where a share-secured loan can help. Here's how it works: You pledge the money you have in your share savings account as collateral for a loan. This allows you to keep your savings intact at the same time you have access to the funds from the loan. If you have a few blemishes on your credit record, a share secured loan offers you a way to start clearing them up. By making timely payments, you are rebuilding your credit record. Even if you have a high credit score, a share-secured loan can be a smart choice because the interest rate is likely lower than the rate charged for a cash advance on a credit card. For details, call on the credit union.

don’t forget to ask about

at participating dealers and get .25% off the already low interest rates.mURRAy Mickey Boggess Used CarsCain’s JeepParker Ford- Lincoln-MercuryDwain Taylor ChevroletToyota of MurrayTown & Country Yamaha

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You can even complete the paperwork on-the-spot!

Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

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

VeHiCLe LOANSat your Credit Union

Get in Gear With A Credit Union Car Loan If you need new wheels, you're not alone. Because of the ups and downs in the economy, many consumers have held onto their vehicles longer than in the past. While it makes financial sense to not trade cars too frequently, there is a point at which repair costs reach the tipping point, and you need to be back in the market for a vehicle. If so, here's a quick refresher on car buying:

• Like a good Boy Scout, be prepared. Do your homework to narrow your choices. There are numerous online sources and other resources such as the April issue of Consumer Reports.

• Get a pre-approved loan from the credit union. With a loan in hand, you have more shopping flexibility. And how about those no-or-super-low interest dealer rates? Be aware that there are many restrictions, including being limited to the purchase of certain models.

• Save the excitement until you are driving away. Buy with your head, not your heart.

PROTeCT yOURSeLF FROm FRAUdSTeRS Purse snatchers and muggers are still at work robbing people the old-fashioned way. But in today's world, you need to recognize the more subtle and sophisticated ways scam artists and identity thieves try to steal from you. Here from the Federal Trade Commission are three of the latest efforts to get your money:

1. "It's your lucky day! You've won!" You receive a letter, e-mail or phone call promising lottery winnings or a valuable prize, like a cruise. But it's just a ploy to send money or to buy overpriced products or services. Hold onto your money — no matter how persuasive the scam artist.

2. "You've been pre-approved for an unlimited line of credit." Watch out for offers from telemarketers who profess no interest in your credit history and promise you a guaranteed loan. Anyone calling you with "easy money" is only looking to line his own pockets.

3. "Because you pay your taxes on time, you're eligible for a govern-ment grant. To get it, give us your checking account information and we will direct deposit the money." Hogwash! The only legitimate source of government grants can be found at www.grants.gov.

HOme eCONOmiCS: There's Still money in The House Sure home prices have dipped. But if you've owned your home for a number of years, chances are, you've earned equity in it. That means a home equity loan from the credit union may provide you with the funds you need for home improvements, tuition, a vehicle or any productive use of credit. Tapping the equity in your home can be a tax-advantaged way to borrow money because the interest may be tax-deductible. Check with your tax adviser for details. A home equity loan is an ideal way to borrow for home improvements, especially if you plan to remain in your home. According to Remodeling magazine's annual cost-versus-value survey, updating a kitchen can return some 70 percent, while a major overhaul will recoup about 65 percent. But not having appliances from the Carter administration? Priceless! You could expect to recoup about 60 percent of the cost of remodeling a bathroom, about 70 percent of the cost of adding an attic bedroom, but only 40 percent on the addition of a home office or sunroom. But again, the added convenience or the extra space may well be worth the price to you. Whatever your credit needs, check out the great rates and convenient terms on a home equity loan from the credit union.

debit Card Safety Tips Whether you're in the comfort of your home or on the road, it's important to protect your debit card at all times. Your credit union debit card may be the ultimate in convenience, but you need to use it properly. This includes practicing safety tips that encourage secure and reliable use of your card:

1. Never give your card or PIN to anyone — even family.2. To protect your PIN (Personal Identification Number), memorize

it and do not write it down.3. When selecting your PIN, don't use the obvious: your name,

street number, telephone number, date of birth, etc.4. Only use your card when and where you feel most secure. If you

are uncomfortable, you should not use it.5. Never leave your card out of sight when conducting a transaction.6. When conducting a transaction, use your hand or body to shield

your PIN.7. After completing your transaction, remember to get your debit

card and your transaction record.8. If your card is lost, stolen or retained by an automated banking

machine, notify your credit union immediately.