YourShare Spring 2011

8/6/2019 YourShare Spring 2011

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O K L A H O M A E M P L O Y E E S C R E D I T U N I O N N E W S L E

SPRING

4027OklahomaCity,Oklahoma73124

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YOURSHARMONEYDOESGROWONTREEEveryone wishes they had a money tree in their back yard.Need a little money tree or a big one? No problem, we have amoney tree for you!

Use your money tree for an auto loan, home loan, MasterCardand more. Look inside this issue to nd out just how easy andconvenient OECU money trees can be for you.

PresortedStandardU.S.Postage

PAIDOklahomaCity,OKPermitNo.1541

OUTANDABOUT

^Excludesprepaidtaxes,insurance,andinterest.Excludesmanufacturedhomes.Mustbeprimaryresidencerstmortgagerenanceor cashout.Max7yearsfor $150,000at75%loan-to-value(determinedbycounty

valueor AVM).Expires 5/31/11.Normallending policiesapply. tAnnualPercentageRate. Normallending policiesapply. Ratesubject tochange.

This years Annual Meeting had over 360 attendees whoenjoyed a luau themed party on March 26th.The luckywinners took over $2,000 in door prizes home. See youagain next year!

On April 7th we celebrated The Big One with Keep ItLocal, a group focused on supporting local businesses.Participants played Minute to Win It games and wereentered into a drawing for $100 OECU Visa Gift Card.

We were proud to support the Oklahoma City MemorialMarathon by sponsoring a water stop at 28th & Lincolnon May 1st. We hope you enjoyed the signs this year.

TESTOREMEMBER

MemorialDay

Monday,May30Allbranchesclosed.

IndependenceDayMonday,July4

Allbranchesclosed.

0

Ground breaking news...on March 17th, we brokeground on our future site. The new branch will belocated at 30th and Lincoln. We will keep you postedas construction progresses.

405.606.6328 www.oecu.orgCall or click today!

$199^closing costs7 years at 4.25 rate (4.41% APRt)

5 years at 3.99 rate (4.37% APR

t

)


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MARKMYWORD

EMPLOYEESPOTLIGHT

2

Heather Jones -Shes a Freak, a Service Freak!

Heather Jones

Financial Service Representative

PROTECTYOURSELF

Believe it or not one quarter of

2011 has past. Did you im-

prove your nancial standing?

If not, think of a few things:

1. Are you saving enough

for important events such as

childrens or grandchildrens

college?

2. Do you have or have

you started an emergency

fund? Most experts believe

you should have 6 monthsof expenses set aside for the

unexpected.

3. Have you looked at your

loans to take advantage of

historically low rates, especial-

ly for your home loan?

4. Could you improve your

debt by consolidating it?

5. If you have increased

your income, have you paid

extra to reduce your debts?

Your credit union can assist

you in making these changes

with easy, quick adjustments

such as allocating more dol-

lars to your savings or chil-drens accounts, consolidat-

ing bills or renancing your

home loan. We offer great

rates and we are quick and

convenient.

Take advantage of your

credit union. Call us at

405.606.6328, come by any

branch or visit us at oecu.org.

Mark KellyOECU President

*Annual Percentage Rate. Normal lending policies apply. Rate subject to change. Normal lending policies apply. **Annual PercentageApplies to transferred balances only. Will change to current APR in 6 months. Expires 5/31/11.

405.606.6328 www.oecu.org

2.00%Reduction on balance transfers

APR**

Save even more when you transfer your credit card balance to OECU. We will reduce

the already low rate by 2.00%APR**. Dont wait! This offer ends May 31, 2011.

Its ok to be a freak. We are all

Service Freaks here at OECU,

we put you rst. Its all about

exceeding expectations and

living up to our service prom-

ises.

In 2009, Heather Jones was

named Member Service Repre-

sentative of the Year. Last year,

she was named Service Freakof the Year.

You know she didnt win Ser-

vice Freak of the Year with out

going above and beyond, but

here are a few things you might

not know about Heather.

1. Has a fear of balloons

2. Wants to visit Disney World

3. Criminal Minds junkie

4. Joined the OECU team in

April of 2008

5. Just read the original Alice

and Wonderland

6. Starbucks order: Caramel

Macchiato

7. Is addicted to potato chips8. Likes to crochet

9. If she won the lottery, would

pay off her Nanas house

10. Drinks a Java Monster drink

every single day

For the ultimate Service Freak

experience visit Heather at the

South Oklahoma City Branch.

She will be able to help you

with any of your nancial needs

and will be glad to share some

chips or crochet tips with you.

If you are ever in the unfortunatesituation of having your purse orwallet stolen, follow these steps toprotect your personal information.

1. Cancel your credit and debitcards. Call your card companiesand get new cards with new ac-count numbers. For OECU debitand credit cards, view a list ofphone numbers at oecu.org. Ifyour checkbook was stolen, putstop payments on any outstand-ing checks. Monitor your accountsfor activity that isnt yours, and

report them immediately.

2. File a police report. Your cardcompanies, nancial institutionand insurance company mayrequire proof of the crime. It alsobecomes essential if you be-come a victim of identity theft.

3. If youve become a victim ofidentity theft, le a report withthe three major credit reportingagenciesExperian, Equifax and

TransUnion. Visit ftc.gov for moreinformation and steps to follow.You can put a fraud alert on youraccount. This requires creditors toverify your identity before approv-ing any new credit. You shouldalso monitor your credit report.Get a free credit report at annual-creditreport.com.

4. Change the locks on yourhome and car. If your keys arestolen, dont give thieves evenmore access to your personalproperty.

5. If your Social Securitywas in your wallet, call Security Administration at 800.269.0271.

HELPFUL TI Make copies of the

backs of the cards you wallet. This way, if you ncel them, all the inform

need is in one place.

Dont carry your Socnumber with you.

Dont carry accoun

or passwords with you.

Sign up for Fraud Plupiece of mind that Fraumonitoring your credit ccredit. If you do suspecmake one convenient Fraud Plus will handle eTo sign up visit any OECcall 405.606.6328.


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Wimgo is a unique,local onlinesearch directory

where consumers throughout the U.S. can makeinformed decisions about places to go, things todo and businesses to do business with based onthe likes and recommendations of their trustedfriends on Facebook.

Whether youre looking for a reputable jewelrystore, something to do on Saturday night or just aplace to get a great taco, Wimgo can make thedecision easier. Simply visit www.wimgo.com andlog in using your Facebook ID. Because Wimgo isdeeply integrated with Facebook, youll soon beseeing local recommendations from the peopleyou know and trust. You can also review your ownlocal favorites and print coupons from businessesin your area. And, each month, one lucky Wimgoreviewer wins $200 just for sharing.Wimgo makes it a simple and easy to nd the bestlocal everything fast, helping you make the mostof your money and time.

Connect with Wimgo: Facebook.com/WimgoPage Twitter.com/Wimgo_OKC

If you love saving money, youll love Wimgo Deals.Wimgo Deals is a local group-buying site thathelps you save up to 90% on local goods andservices. Each Monday through Friday at www.wimgodeals.com, youll nd an amazing offerfrom a great local restaurant or business. The offeris only good for that day and only available ifenough people opt in to buy the deal. Once thedeal tips, its on, and youll receive a printablevoucher thats good for up to 12 months.

Since starting in April 2010, Wimgo Deals hasfeatured offers from some of OKCs most popular

establishments including The Wedge, Sauced, TheHaunted Stone Lion Inn, Classen Grill and more.The deals cover all areas such as local food andshopping, spa and medical services and evenlocal activities like dance classes and golf. Tomake sure you get in on the savings, visit www.wimgodeals.com and sign up to receive the dailydeal alerts. You can also keep track of

the deals by becoming a fan at Facebook.com/wimgodailydeals and following Wimgo Deals onTwitter at Twitter.com/WimgoDealsOKC.

In addition to being a great way for consumersto save money, Wimgo Deals is a fantastic wayfor local businesses to spur demand and reachnew customers. Business owners may get more

information on how to participate by calling1-855-GOWIMGO or by emailing Summer Vinsonat [email protected].

GOWITHWIMGO

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Local Businesses, Movies, Events, Reviews, Recommendations and Deals. You can nd it all onwimgo.com

COMINGSOON

New Website Features

Surcharge Free ATM Finder Credit Union Service Center Locator

Auto Sales and Research Section

Optimized for Mobile Phones

iPhone & Android Apps

MOREWAYSTOSAVEYou already know that OECU has great auto rates, but did you know that you couon your auto insurance too? On average, credit union members save up to $329.0

Coverage made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitteare individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer reconsumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The is not a deposit and is not federally insured or guaranteed by your credit union. * Figure based on a February 2010 national sample of auto powhen comparing their former premium with t hose of the MEMBERS Auto and Home Insurance program. Individual premiums and savings will vayour insurance carrier and coverages and limits purchased.** To qualify for Accident Forgiveness, you must be accident-free for ve years, andnot received a driving violation for the past ve years. Subject to t erms and conditions of Liberty Mutuals underwriting guidelines. Ask a represNot available in all states. ** *Emergency Roadside Assistance is available anywhere in the U.S. and Canada. With the purchase of our optionacoverage, the cost of towing is covered, subject to policy limits.

AWARDWINNINGAUTORATES

Visit oecu.org to calculate your s

For Oklahoma Employees Credit Union 36 month new auto loan rates with A credit rating compared to the average A credit rate for ihoma as tracked by Datatrac on 3/28/11.

Saving money is a great benet of being withOECU. Together with Liberty Mutual we want tooffer you more. Not only can you get discountedrates on your auto insurance, you will also recieve:

24/7 claims service Guaranteed repairs at network shops Accident Forgiveness Program** 24-Hour Roadside Emergency Assistance coverage***

So go ahead, take advantage of this exclusive offer and drive away with added savings!

For a free, no pressure quote, call toll-free 1-888-380-9287 or visit us at www.membersauto


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MEMBERSPOTLIGHT RUSHITSave time and make your ePay payments evenfaster! When needed you can avoid costly latefees with our new ePay Rush It feature!

Available Options:Next Business Day - $14.95 Fee

Second Day Standard - $9.95 Fee Second Day Economy - $4.95 Fee

ePay guarantees on-time delivery for all Rush It Payments. If not, you will be refunded, fro

$50 in late fees.

When you use ePay you can: Save money - no more checks, stamps, late fees or overdraft fees. Save time - schedule payments in minutes. Make one time or reoccurring

payments on time, every time. Stay in control - pay your bills on the day you want, not when the company decides.

ePay is fast, easy and secure. Most of all its free!t

tePay is free for all checking accounts, as long as you pay one bill a month. If not, there will be a $4.95 charge for no a

We realize rates are low, but we constant-ly survey the local market to make sure

we can offer someof the best ratesaround. Take com-fort knowing youwill always receivea competitive rateat OECU.

Money does grow on trees when you takeadvantage of our Certicate Special. Ifyou are looking for a small or large moneytree, we offer certicates from 6 months to5 years. Stop by a branch near you to pickyour own money tree out today.

PLANTYOURSAVINGS

*Annual Percentage Yield. Rate subject to change. Limited time offer. Refer to rate and fee schedule for additional terms.

Meet Karena

Nichols. She

has been with

OECU since

1999. I like

being a part

of OECU, the

customer ser-

vice is excep-

tional and thestaff is very

knowledge-

able about

what they

do.

With the help of OECU Karena has been able

to rebuild her credit, starting off with a small

secured credit card and working up to a new

car loan. I am a single mother of two and

I have the comfort and peace of mind that

I am part of an awesome credit union that

stands behind me and is there if I need them.

And its not just credit unions that she loves,

it is this credit union. Karena has had an ac-

count at another credit union and said the

difference is night and day.

As a state employee of an agency that is

facing furloughs, Karena decided to ask

OECU to help nd a solution to her high inter-

est rate department store credit cards. Sheconsolidated her loans, saving her 10% in

interest every month. Not to mention the new

credit card payment was lower than before!

The entire process was all done over the

phone with the most polite and professional

people. OECU made saving money for my

family easy, said Karena.

If you are interested in seeing how OECU

can save you money, give us a call at

405.606.6328 or go online at oecu.org. Any

one of our trained nancial experts can help

nd the right solution for your needs.

Keegan, Karena & Kailynn

*Annual Percentage Rate. 680+ FICO Max term 42 months. Min amount $5,000. Existing OECU loan min advance $2,500. Requires OECUwith Direct Deposit, eStatements and automatic payments. Limited time offer. Normal lending policies apply.

405.606.6328 www.oecu.o

Renance and save today!

Documents

YourShare Spring 2011