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A member owned and controlled organization dedicated to being our members’
primary financial institution, providing personal service while promoting growth and development through cooperative efforts.
Generations Family membership matters
OCTOBER 2013 PAGE 1OCTOBER 2013 PAGE 4
$October 2013
Indicate the month you want to skip: q November q December
Deduct the $35 processing fee from my: q Share Savings Account _________________ q Checking Account _____________________(The fee will be deducted from the Generations Family FCU account identified above.)
Loan(s) Account # you wish to skip: ______________________________________________________________________________________
Member Name: _______________________________________________________________________________________________________
Member Signature: _____________________________________________________________ Date: _________________________________
Co-Signer Name: ______________________________________________________________________________________________________
Co-Signer Signature, if necessary: _______________________________________________________________________________________Please note that this offer does not apply to Home Equity Loans, VISA and other Lines of Open Credit (LOC).By signing above, you authorize Generations Family Federal Credit Union to extend your final loan payment by one month. Interest will continue to accumulate on your loan during the month you skip your payment. If your loan payment is made via payroll deduction or direct deposit, the total monthly payment amount will be credited to your Share Savings Account. Each member is allowed to skip a monthly payment up to a maximum of three times per loan. All loan payments must be current to qualify. Please allow a minimum of two weeks for us to process your request.
This winter, why not use your money for what’s really important to you? With our Holiday Skip-A-Pay, you can choose to slide right past your November or December GFFCU loan payment(s) and use the extra money for gifts, a holiday trip, or to give your budget a break.
To take advantage of Holiday Skip-A-Pay, simply fill out the form below and return it to the Credit Union. If you choose to take advantage of this offer, interest will
continue to accumulate on your loan during the month you skip your payment, and there is a low $35 processing fee per loan. We’ll deduct the fee from your Share Savings or Share Checking Account for you. If you make your loan pay-ments automatically with Payroll Deduction or Direct Deposit, your payment will be depos-ited into your Share Savings Account.
Feel the Thrill of Sliding Past a Payment!
Columbus Day October 14 Washington & Mackinaw - OPENV.A. Branch - CLOSED
International Credit Union Day October 17 All Three Branches - OPEN
Veteran’s Day (observed) November 11 Washington & Mackinaw - OPENV.A. Branch - CLOSED
Thanksgiving November 28 All Three Branches - CLOSED
Day After Thanksgiving November 29 All Three Branches - OPEN
Christmas Eve December 24 All Three Branches - CLOSED
Christmas Day December 25 All Three Branches - CLOSED
New Year’s Eve December 31Washington & Mackinaw - OPEN until 12:00 p.m.V.A. Branch - OPEN until 11:30 a.m.
New Year’s Day January 1, 2014 All Three Branches - CLOSED
Savings Rates As of 9/30/13
Passbook .................................................... .0.08% APYInsured High Yield Account $75,000 & over .........................................0.25% APY $20,000-$74,999 .......................................0.20% APY $2,500-$19,999 ..................................... ... 0.15% APYYouth CD* .......Call or check website for current rate (Ages1-18)Minimum$100•Maximum$1,000
IRA* .................................... Call for high-yielding ratesShare Certificates of Deposit* .......................... Call for high-yielding rates (SeeusforBonusRatesonlargerdeposits)
*SharecertificatesareavailableonIRAsfor $500ormore;termsfrom6-60months. Callforcurrentrates.
APYisAnnualPercentageYield.Theseratesaresubjectto changebytheBoard ofDirectors.
&ReadWIN!
Staff AnniversariesStaff Anniversaries
Remember, even when our doors are closed, you can still access your accounts with our 24-hour telephone access line by using your ATM card or by visiting us online at www.MySaginawCU.com. We’re always here to serve you!
2 0 1 3 H O L I D AY S C H E D U L E
LOCATIONS
902 S. Washington Ave. Saginaw, MI 48601
989.755.8502 • Fax 989.755.0131
4945 Mackinaw Rd. Saginaw, MI 48603
989.797.1585 • Fax 989.797.1590
HOURS Monday, Tuesday, Thursday
8:30 am – 5:00 pm Wednesday 10:00 am – 5:00 pm
Friday 7:30 am – 5:30 pm
LocatedinsidetheAledaE.Lutz VAMedicalCenter
1500 Weiss St. Saginaw, MI 48602
989.793.1970 • Fax 989.793.3927
HOURS Monday, Tuesday, Thursday, Friday
8:00 am – 4:00 pm Wednesday 10:00 am – 4:00 pm
Closed for lunch 11:30 am - 12:00 pm
MAILING ADDRESSPO Box 1964 • Saginaw, MI 48605
Toll Free 800.455.8502
TELEPHONE TELLER800.860.5704 • Enter CU Code 027
ONLINE BANKINGwww.MySaginawCU.com
© CUAdvantage • 877.799.0784
The staff, management and Board of GFFCU would like to wish you a Happy Anniversary! Your dedication and experience are greatly appreciated. Our continued growth depends on valued employees like you. Thank you for your service to Generations Family FCU.
This quarter, we celebrate the anniversary of
As you read this newsletter, you’ll find two (2) account
numbers hidden within various articles. If you find your
account number spelled out in this issue, call us before
the next issue comes out (in 3 months) – you’ll win
15.00.
Good Luck!
Sandra BellFull-Time Teller – 16 years
Connie TaschnerPart-Time Teller – 22 years
Marcie NothelferOffice Supervisor/MSR – 16 years
Amy StraselBookkeeping Supervisor/Compliance Officer – 22 years
Penny TurnerLoans & Collection Officer – 22 years
Autumn has arrived, and now is the time to rake in the savings with a GFFCU low-rate auto loan! Stop by the Credit Union to take advantage of a special low auto rate of
1.99% APR* ON NEW, USED & REFINANCED!
This special low rate is only available through the end of October, so hurry in to the Credit Union or visit www.MySaginawCU.com to apply today.
*APR=AnnualPercentageRate.Quotedrateisthelowestavailablerate.Yourratewillbebasedonyourcredit historyandmaybehigher.Ratesandtermsaresubjecttochangewithoutnotice.1.99%forcreditscores700+and2.00%offqualifyingrateforcreditscores699andbelow.
Rake in the
Savings!
PAGE 2 PAGE 3
GFFCU Welcomes
Three New SEGs!We are pleased to welcome
Mid-Michigan Truss & Components, Underground Railroad, and
V.F.W. Post 1566 to Generations Family Federal Credit Union.
INTERNATIONAL CREDIT UNION DAY
Thursday, October 17, 2013Generations Family Federal Credit Union, along with credit union members across the globe, will be celebrating International Credit Union Day on Thursday, October 17. Seven two seven two eight. We invite you to stop by your local GFFCU branch to experience and celebrate the credit union difference with your fellow member owners. Cider and donuts will be served throughout the day. We hope to see you there!
Making Strides Against
BREAST CANCERGFFCU staff will once again participate in the American Cancer Society’s Making Strides Against Breast Cancer Walk. Please join us for this important event as we walk to generate a cure for cancer. The Walk will take place on
Saturday, October 26, 2013, at Krossroads Park in Saginaw. If you are unable to walk, but would still like to participate by mak-ing a monetary donation, you may do so at any of our three branch locations or online at www.makingstrideswalk.org/saginawmi under Team GFFCU. For more information, please contact a member service representative or visit www.MySaginawCU.com.
A REMINDER ABOUT Greenbacks for GradesLast spring, Generations Family FCU launched a new program for our young members called Greenbacks for Grades. Through this special program, our young members have the opportunity to be rewarded for earning excellent grades in school. Members in grades 1 through 12 will receive a $2 deposit into their savings account when they earn an A or equiva-lent. To participate, you must have a GFFCU Savings Account and must bring your report card into the Credit Union within 30 days of issuance. A maximum of $5 each report card marking can be earned.
Credit Union Member RewardsWith the Invest in America program, credit union members have access to valuable offers from many participating retailers, including:
Dell | Sprint | GMC DIRECTV | TurboTax | Shop America
To view special offers from these retailers and more, visit www.lovemycreditunion.org.
Daylight Saving Time ends Sunday, November 3, 2013.
A Special Thank You to
everyone who helped out at the VA Hospital Member
Appreciation Days!
WARM UP this Holiday Season with a Great Rate!Generations Family Federal Credit Union is bundling up the savings to bring you an extra hot offer this holiday season.
SIGNATURE LOAN SPECIAL
Ratesaslowas3.99% APR*12-MONTH TERM | $3,500 MAXIMUM
Apply for this special low-rate loan either online at www.MySaginawCU.com or in person at your local GFFCU branch. One two two one eight.
*APR=AnnualPercentageRate.Quotedrateisthelowestavailablerate.Yourratewillbebasedonyourcredithistoryandmaybehigher.Ratesandtermsaresubjecttochangewithoutnotice.3.99%forcreditscores700+and2.00%offqualifyingrateforcreditscores699andbelow.
Think ATM SAFETY During Your Holiday ShoppingThe holiday shopping season will be here before you know it, so we hope that you will keep safety in mind when using Auto-mated Teller Machines. ATMs are con-venient for fast cash and other services, but since they are for public use, it is very important to be extra aware of your surroundings when making transactions. Here are a few basic tips to remember about the smart use of ATMs to keep you and your funds safe.
ATM TRANSACTION SAFETY• Use ATMs that are well lit
• Use a drive-up ATM whenever possible
• Don’t linger at drive-up ATMs
• Cancel your transaction and leave if you feel uncomfortable in your surroundings
• Count your cash after you leave the ATM
• Take a friend with you at night
ATM CARD SECURITY• Protect your card and PIN
• Treat your card like cash; keep it in a safe place
• Your ATM card will only work with your PIN; never write your PIN on your card or store it with your card
• Never give your PIN or account number to anyone over the telephone
• Report a lost or stolen card immediately
As we enter 2014, the staff
of GFFCU would like to thank
you, our valued members, for
your continued loyalty. We
wish you a happy, healthy and
prosperous New Year!
GFFCU VISA Gift CardsFinding the perfect gift isn’t always easy. In fact, sometimes it can be downright impossible. This season, why not skip the worries? Instead, stop by Generations Family FCU to stock up on VISA gift cards. VISA gift cards are perfect for everyone, every time!
Planning for Retirement
Join us for a free seminar on Tuesday, October 22, 2013 from 6:30 – 8:30 p.m.
Frankenmuth Bavarian Inn Restaurant – AlpineRoom
713 S. Main St., Frankenmuth, MI 48734
Guest speakers include Ruthie Elbers, Financial Advisor from the Member Investment Center at Frankenmuth Credit Union, and Dr. Kehres of Kehres Health & Chiropractic. 4 VISA gift card drawings will be held and winners must be present to claim their prizes. If you plan to attend, please RSVP to (989) 891-1680 by October 18, 2013.
Wrap Up Your Shopping with a GFFCU VISA Credit Card!
Before you start pulling out your bank cards to do some holiday shopping, be sure to check out the Platinum VISA from Generations Family FCU. This great, low-rate card features:
A LOW, FIXED RATE | NO ANNUAL FEESBONUS SCORECARD POINTS WITH EVERY PURCHASE
WORLDWIDE ACCEPTANCE
Treat yourself to an early holiday gift with a GFFCU VISA. Speak with a member service representative for details or to apply today.
CREDIT UNIONS
Beginning Friday, October
4 and each Friday leading
up to the Making Strides
Against Breast Cancer Walk,
GFFCU staff will be serving
up some tasty treats for our
members. Be sure to stop
in each week to purchase
some goodies!
PAGE 2 PAGE 3
GFFCU Welcomes
Three New SEGs!We are pleased to welcome
Mid-Michigan Truss & Components, Underground Railroad, and
V.F.W. Post 1566 to Generations Family Federal Credit Union.
INTERNATIONAL CREDIT UNION DAY
Thursday, October 17, 2013Generations Family Federal Credit Union, along with credit union members across the globe, will be celebrating International Credit Union Day on Thursday, October 17. Seven two seven two eight. We invite you to stop by your local GFFCU branch to experience and celebrate the credit union difference with your fellow member owners. Cider and donuts will be served throughout the day. We hope to see you there!
Making Strides Against
BREAST CANCERGFFCU staff will once again participate in the American Cancer Society’s Making Strides Against Breast Cancer Walk. Please join us for this important event as we walk to generate a cure for cancer. The Walk will take place on
Saturday, October 26, 2013, at Krossroads Park in Saginaw. If you are unable to walk, but would still like to participate by mak-ing a monetary donation, you may do so at any of our three branch locations or online at www.makingstrideswalk.org/saginawmi under Team GFFCU. For more information, please contact a member service representative or visit www.MySaginawCU.com.
A REMINDER ABOUT Greenbacks for GradesLast spring, Generations Family FCU launched a new program for our young members called Greenbacks for Grades. Through this special program, our young members have the opportunity to be rewarded for earning excellent grades in school. Members in grades 1 through 12 will receive a $2 deposit into their savings account when they earn an A or equiva-lent. To participate, you must have a GFFCU Savings Account and must bring your report card into the Credit Union within 30 days of issuance. A maximum of $5 each report card marking can be earned.
Credit Union Member RewardsWith the Invest in America program, credit union members have access to valuable offers from many participating retailers, including:
Dell | Sprint | GMC DIRECTV | TurboTax | Shop America
To view special offers from these retailers and more, visit www.lovemycreditunion.org.
Daylight Saving Time ends Sunday, November 3, 2013.
A Special Thank You to
everyone who helped out at the VA Hospital Member
Appreciation Days!
WARM UP this Holiday Season with a Great Rate!Generations Family Federal Credit Union is bundling up the savings to bring you an extra hot offer this holiday season.
SIGNATURE LOAN SPECIAL
Ratesaslowas3.99% APR*12-MONTH TERM | $3,500 MAXIMUM
Apply for this special low-rate loan either online at www.MySaginawCU.com or in person at your local GFFCU branch. One two two one eight.
*APR=AnnualPercentageRate.Quotedrateisthelowestavailablerate.Yourratewillbebasedonyourcredithistoryandmaybehigher.Ratesandtermsaresubjecttochangewithoutnotice.3.99%forcreditscores700+and2.00%offqualifyingrateforcreditscores699andbelow.
Think ATM SAFETY During Your Holiday ShoppingThe holiday shopping season will be here before you know it, so we hope that you will keep safety in mind when using Auto-mated Teller Machines. ATMs are con-venient for fast cash and other services, but since they are for public use, it is very important to be extra aware of your surroundings when making transactions. Here are a few basic tips to remember about the smart use of ATMs to keep you and your funds safe.
ATM TRANSACTION SAFETY• Use ATMs that are well lit
• Use a drive-up ATM whenever possible
• Don’t linger at drive-up ATMs
• Cancel your transaction and leave if you feel uncomfortable in your surroundings
• Count your cash after you leave the ATM
• Take a friend with you at night
ATM CARD SECURITY• Protect your card and PIN
• Treat your card like cash; keep it in a safe place
• Your ATM card will only work with your PIN; never write your PIN on your card or store it with your card
• Never give your PIN or account number to anyone over the telephone
• Report a lost or stolen card immediately
As we enter 2014, the staff
of GFFCU would like to thank
you, our valued members, for
your continued loyalty. We
wish you a happy, healthy and
prosperous New Year!
GFFCU VISA Gift CardsFinding the perfect gift isn’t always easy. In fact, sometimes it can be downright impossible. This season, why not skip the worries? Instead, stop by Generations Family FCU to stock up on VISA gift cards. VISA gift cards are perfect for everyone, every time!
Planning for Retirement
Join us for a free seminar on Tuesday, October 22, 2013 from 6:30 – 8:30 p.m.
Frankenmuth Bavarian Inn Restaurant – AlpineRoom
713 S. Main St., Frankenmuth, MI 48734
Guest speakers include Ruthie Elbers, Financial Advisor from the Member Investment Center at Frankenmuth Credit Union, and Dr. Kehres of Kehres Health & Chiropractic. 4 VISA gift card drawings will be held and winners must be present to claim their prizes. If you plan to attend, please RSVP to (989) 891-1680 by October 18, 2013.
Wrap Up Your Shopping with a GFFCU VISA Credit Card!
Before you start pulling out your bank cards to do some holiday shopping, be sure to check out the Platinum VISA from Generations Family FCU. This great, low-rate card features:
A LOW, FIXED RATE | NO ANNUAL FEESBONUS SCORECARD POINTS WITH EVERY PURCHASE
WORLDWIDE ACCEPTANCE
Treat yourself to an early holiday gift with a GFFCU VISA. Speak with a member service representative for details or to apply today.
CREDIT UNIONS
Beginning Friday, October
4 and each Friday leading
up to the Making Strides
Against Breast Cancer Walk,
GFFCU staff will be serving
up some tasty treats for our
members. Be sure to stop
in each week to purchase
some goodies!
A member owned and controlled organization dedicated to being our members’
primary financial institution, providing personal service while promoting growth and development through cooperative efforts.
Generations Family membership matters
OCTOBER 2013 PAGE 1OCTOBER 2013 PAGE 4
$October 2013
Indicate the month you want to skip: q November q December
Deduct the $35 processing fee from my: q Share Savings Account _________________ q Checking Account _____________________(The fee will be deducted from the Generations Family FCU account identified above.)
Loan(s) Account # you wish to skip: ______________________________________________________________________________________
Member Name: _______________________________________________________________________________________________________
Member Signature: _____________________________________________________________ Date: _________________________________
Co-Signer Name: ______________________________________________________________________________________________________
Co-Signer Signature, if necessary: _______________________________________________________________________________________Please note that this offer does not apply to Home Equity Loans, VISA and other Lines of Open Credit (LOC).By signing above, you authorize Generations Family Federal Credit Union to extend your final loan payment by one month. Interest will continue to accumulate on your loan during the month you skip your payment. If your loan payment is made via payroll deduction or direct deposit, the total monthly payment amount will be credited to your Share Savings Account. Each member is allowed to skip a monthly payment up to a maximum of three times per loan. All loan payments must be current to qualify. Please allow a minimum of two weeks for us to process your request.
This winter, why not use your money for what’s really important to you? With our Holiday Skip-A-Pay, you can choose to slide right past your November or December GFFCU loan payment(s) and use the extra money for gifts, a holiday trip, or to give your budget a break.
To take advantage of Holiday Skip-A-Pay, simply fill out the form below and return it to the Credit Union. If you choose to take advantage of this offer, interest will
continue to accumulate on your loan during the month you skip your payment, and there is a low $35 processing fee per loan. We’ll deduct the fee from your Share Savings or Share Checking Account for you. If you make your loan pay-ments automatically with Payroll Deduction or Direct Deposit, your payment will be depos-ited into your Share Savings Account.
Feel the Thrill of Sliding Past a Payment!
Columbus Day October 14 Washington & Mackinaw - OPENV.A. Branch - CLOSED
International Credit Union Day October 17 All Three Branches - OPEN
Veteran’s Day (observed) November 11 Washington & Mackinaw - OPENV.A. Branch - CLOSED
Thanksgiving November 28 All Three Branches - CLOSED
Day After Thanksgiving November 29 All Three Branches - OPEN
Christmas Eve December 24 All Three Branches - CLOSED
Christmas Day December 25 All Three Branches - CLOSED
New Year’s Eve December 31Washington & Mackinaw - OPEN until 12:00 p.m.V.A. Branch - OPEN until 11:30 a.m.
New Year’s Day January 1, 2014 All Three Branches - CLOSED
Savings Rates As of 9/30/13
Passbook .................................................... .0.08% APYInsured High Yield Account $75,000 & over .........................................0.25% APY $20,000-$74,999 .......................................0.20% APY $2,500-$19,999 ..................................... ... 0.15% APYYouth CD* .......Call or check website for current rate (Ages1-18)Minimum$100•Maximum$1,000
IRA* .................................... Call for high-yielding ratesShare Certificates of Deposit* .......................... Call for high-yielding rates (SeeusforBonusRatesonlargerdeposits)
*SharecertificatesareavailableonIRAsfor $500ormore;termsfrom6-60months. Callforcurrentrates.
APYisAnnualPercentageYield.Theseratesaresubjectto changebytheBoard ofDirectors.
&ReadWIN!
Staff AnniversariesStaff Anniversaries
Remember, even when our doors are closed, you can still access your accounts with our 24-hour telephone access line by using your ATM card or by visiting us online at www.MySaginawCU.com. We’re always here to serve you!
2 0 1 3 H O L I D AY S C H E D U L E
LOCATIONS
902 S. Washington Ave. Saginaw, MI 48601
989.755.8502 • Fax 989.755.0131
4945 Mackinaw Rd. Saginaw, MI 48603
989.797.1585 • Fax 989.797.1590
HOURS Monday, Tuesday, Thursday
8:30 am – 5:00 pm Wednesday 10:00 am – 5:00 pm
Friday 7:30 am – 5:30 pm
LocatedinsidetheAledaE.Lutz VAMedicalCenter
1500 Weiss St. Saginaw, MI 48602
989.793.1970 • Fax 989.793.3927
HOURS Monday, Tuesday, Thursday, Friday
8:00 am – 4:00 pm Wednesday 10:00 am – 4:00 pm
Closed for lunch 11:30 am - 12:00 pm
MAILING ADDRESSPO Box 1964 • Saginaw, MI 48605
Toll Free 800.455.8502
TELEPHONE TELLER800.860.5704 • Enter CU Code 027
ONLINE BANKINGwww.MySaginawCU.com
© CUAdvantage • 877.799.0784
The staff, management and Board of GFFCU would like to wish you a Happy Anniversary! Your dedication and experience are greatly appreciated. Our continued growth depends on valued employees like you. Thank you for your service to Generations Family FCU.
This quarter, we celebrate the anniversary of
As you read this newsletter, you’ll find two (2) account
numbers hidden within various articles. If you find your
account number spelled out in this issue, call us before
the next issue comes out (in 3 months) – you’ll win
15.00.
Good Luck!
Sandra BellFull-Time Teller – 16 years
Connie TaschnerPart-Time Teller – 22 years
Marcie NothelferOffice Supervisor/MSR – 16 years
Amy StraselBookkeeping Supervisor/Compliance Officer – 22 years
Penny TurnerLoans & Collection Officer – 22 years
Autumn has arrived, and now is the time to rake in the savings with a GFFCU low-rate auto loan! Stop by the Credit Union to take advantage of a special low auto rate of
1.99% APR* ON NEW, USED & REFINANCED!
This special low rate is only available through the end of October, so hurry in to the Credit Union or visit www.MySaginawCU.com to apply today.
*APR=AnnualPercentageRate.Quotedrateisthelowestavailablerate.Yourratewillbebasedonyourcredit historyandmaybehigher.Ratesandtermsaresubjecttochangewithoutnotice.1.99%forcreditscores700+and2.00%offqualifyingrateforcreditscores699andbelow.
Rake in the
Savings!
