2795-NL-0418

SERVING WEST FELICIANA, EAST FELICIANA, POINTE COUPEE, AND THE NORTHERN PORTION OF EAST BATON ROUGE PARISHES

1st Quarter 2018

Why do paper statements feel so secure when they could be stolen and need to be shredded while e-statements can be easily accessed, viewed as needed, and never printed in the first place?

Maybe it is still a new idea for you, but getting your statement electronically not only saves paper and ink, helping us keep costs down, but also it is more secure. There is nothing to shred, you will have the information you need quickly, and you will not pile up years and years of old statements

with your account numbers on them.

Take the step of switching to secure e-statements today.

Contact us at to learn how!

St. Francisville Office

Registration begins at 9:00am

Meeting starts at 10:00am

Photo Booth (Family Pictures)

Give-a-ways and Cash Drawings for FFCU Members

Lunch will be provided for those attending (while available)

Celebrating Retiree Rosa Peterson – 19 Years of Service

MAILING ADDRESS:

P.O. Box 1130 Zachary, LA 70791 Phone: 225-654-4021 Fax: 225-658-7016

BRANCH LOCATIONS:

Zachary

20303 Old Scenic Hwy Zachary, Louisiana

St. Francisville

2552 LA Hwy 964 St. Francisville, Louisiana

New Auto Loans and Used Auto Loans

RATES AS LOW AS APR*

*Loans are available to credit worthy members for as low as the Annual Percentage Rates quoted. The APR on your loan may vary, based upon an evaluation of your credit worthiness and is subject to change. Refinancing of existing FFCU vehicle loans does not qualify.

Board of Directors HAROLD HENDERSON-Chairman

EDDIE WILLIAMS-Vice Chairman

JERRY EGGERT

RUBY GIVENS

BRENDA JONES

PAUL KERSHAW

ANN MENSER

JERRI RALPH

WILBERT SCOTT

Supervisory Committee EDDIE WILLIAMS-Chairman

WENDY EGGERT

CAROLYN LEE

Nominating Committee EDWARD GALE SMITH, SR.-Chairman

JAMES “TEX” WHITFIELD

DONNA BLEVINS

Management Team: GIGI THOMAS-ROBERTSON

KATHY KANE

Staff VIRGIL FRAZIER

STACY GRESHAM

KELLI LAFIELD

REGINA MOORE

PATRICIA RAINEY

TAMMY SIMMONS

LOYCE SMITH

CYNTHIA SNOWDEN

LADARIAN VESSEL

Memorial Day . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Monday, May 28

Independence Day . . . . . . . . . . . . . . . . . . . . . . . . . Wednesday, July 4

Labor Day . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Monday, September 3

Thanksgiving . . . . . . . . . . . . . . . . Thursday/Friday November 22 & 23

Christmas . . . . . . . . . . . . . . . . . . Monday/Tuesday December 24 & 25

Summer is just around the corner, and you’re probably counting down the hours until the kids are out of school and you can take off on that fun family vacation. You’re thinking of all of the extra time you’ll be taking off of work to spend with the kids, all of the days at the pool and the park...

Don’t start focusing on your tan just yet. Summer is one of the most important times to keep your eye on the ball when it comes to saving. With these simple tips in mind, you will not have to panic once summer is over that money seems a bit tight.

Set a summer savings goal. Goals are important, especially as they relate to money management. Do not let all of your hard-earned cash simply fly out the window just because summer is in the air. It’s easy to get wrapped up in the fun of the season, but remember to save a bit too. A tip? Set up a plan to only visit the ATM once a week, and make yourself stick to a set withdrawal amount. That way, you’ll purchase only that which you’ve planned ahead for—and you’ll be less tempted to buy those brightly colored flip-flops, sunglasses and other summertime memorabilia that we all seem to stock up on but rarely use.

Develop a special summertime budget - and stick to it. A good idea is to live throughout the summer as you do the rest of the year. Sure, you might invest in a family vacation. But what about the rest of the season’s spending? Do you really need another inflatable pool? Is it necessary to spend $5 every day on coffee or ice cream drinks or $15 on fancy sunscreens, when you would usually avoid extra spending throughout the rest of the year?

Many of us treat the entire summer as if it were a vacation, a free ticket to spend whatever we want. It’s no wonder, then, that we get the fall blues once September rolls around and we realize that we’ve spent way too much of our expendable income. Give yourself permission to have that one fun (lavish, even?) week or so of summer vacation. However, remember your budget for the rest of the time—and do not forget to save a bit as well. (Opting to set aside that daily $5 coffee/ice cream money into a savings program will leave you sitting pretty with an extra $420 when September rolls around!)

Save on big-ticket items - The top two large expenses that families make in the summertime are:

Vacation. As for vacations, consider a staycation or search for vacation bargains, such as special savings on last minute slightly off-season or planned well in advance trips, on websites like Travelocity (www.travelocity.com), Expedia (www.expedia.com) or try Upside (www.upside.com), which offers discounts for combining flight and hotel prices and rewards you with an Amazon gift certificate.

Summer Camp. Knowing where to shop for expensive items can save you hundreds of dollars—not to mention peace of mind. According to the American Camp Association, average cost for one week at a day camp is $304 per week, while sleepaway camp cost $690 per week with most camps raising their prices 5 to 10% per year. Although it may be too late to take advantage of certain money-saving camp options this year, think of this for next summer: Booking a year in advance can save you major bucks, simply by locking in the previous year’s rates and cashing in on ‘early-bird specials.’ (For extra ideas, visit www.TipsOnTripsandCamps.com).

Set a budget for your summer spending and saving, be diligent in sticking with that budget and look for savings on big-ticket items to stretch your summertime dollars.

COOL SUMMER SAVINGS

Privacy Disclosure Notification Statement: Federal Law requires us to tell you how we collect, share and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information at www.FelicianaFCU.com or we will mail you a free copy upon request if you call us at 225-654-4021.