Member Values FEDERAL CREDIT UNION Second Quarter 2005 ~YOUR FINANCIAL ALTERNATIVE~ where PEOPLE are worth more than money We Have Great and Exciting News for Kanawha County... Members Choice WV Federal Credit Union is now operating under a new communitycharter approved by the National Credit Union Administration. This change was implemented after recognizing the need for an expanded field of membership, allowing more people to gain access to the many benefits of Members Choice WV Federal Credit Union. With the new charter, Members Choice WV Federal Credit Union is now serving people who live, work, worship, volunteer, or attend school and businesses or other legal entities in Kanawha County, West Virginia. We’re proud to announce this community charter, and are very excited to have the opportunity to serve ALL of Kanawha County. Members Choice WV FCU is committed to offering a complete range of financial services to everyone. We welcome new members so they may begin enjoying the benefits of membership including: * Free Checking * Personal Loans * VISA Check & Credit Cards * Mortgages & Home Equity Loans * IRA’s & CD’s * New & Used Vehicle Loans * Club Accounts * Boats & Recreational Vehicle Loans * Share & Share Certificate Accounts * N-Touch-24 * Dial-A-Teller * Plus Many More Services! * Online Bill Pay So, if you are already enjoying the benefits of being a member and know of someone who is interested, eligible or looking for their financial institution alternative please encourage them to visit our location: 201 Ohio Avenue, Charleston WV 25302 Or visit us on the web at: www.memberschoicewv.com Members Choice is offering discounted tickets to all of its members again. Prices are as follows: Children’s One Day- $22.00 ($26.99@gate) Adult One Day- $35.00 ($44.99@gate) Two Day Pass $45.00 (no age limit, doesn’t have to be used consecutively!) Parking Pass- $7.00 ($9.00@gate) BONUS!! Adult On-Sale Tickets are only $27.50!! Hurry, this ticket price is only good until June 12th. The one-day tickets allow the ticket holder to get in the night before after 5pm for only $10.00! * Children’s tickets apply to those age 3-6 or under 48”and Senior Citizens Inside This Edition: National Credit Union Youth Week 2005, April 17-23 isit Members Choice the week of April 17 - 23 and help us to shine the spotlight on YOUTH during National Credit Union Youth Week. Members Choice is committed to helping young people build a strong foundation for making financial decisions. We will be celebrating our younger generations by encouraging them to save! Be Sure to Watch Your Mailbox for more details about the exciting events taking place during National Youth Week at Members Choice WVFCU! In the Know........................2 • Identity Theft • Important Information for • VISA Cardholders What’s Happening..............3 • Home Equity Promotion • Auto Loan Promotion • Member Survey Member Values Quiz.........4 • FREE Cash Important information passed to you from your Credit Union that puts you “In the Know” NOW TO VISA DEBIT & CREDIT CARD HOLDERS IDENTITY THEFT dentity theft occurs when a thief obtains-and illegally uses- your identifying information, such as your Social Security Number or your credit card or checking account numbers, to open new credit accounts and apply for loans in your name. Preventing Identity Theft: * Before revealing personal financial information, find out whom you’re dealing with, how the information will be used, and if it will be shared with others. * Only give your SSN when it’s absolutely necessary. Ask if you can use another identifier, such as a driver’s license, instead. And don’t carry your Social Security card in your wallet unless you need it that day. * Keep items with personal information in a safe place and either shred them or tear them up when you don’t need them anymore. Dispose of checking/share draft copies and statements, receipts with a credit card imprint, insurance forms, expired credit cards, savings and investment account statements, and credit card offers the same way. * Order a copy of your credit report from each credit-reporting agency every year. * Look over your credit card and credit union statements each month for unauthorized charges or suspicious activity. * Photocopy financial cards and insurance cards you carry in your wallet (front and back) keep the copies in a safe place; if your wallet is lost or stolen you can promptly and accurately report the loss. For more useful information on Preventing Identity Theft check out the Credit Union National Association website: www.cuna.org Change to process for posting foreign transactions on billing statements Currently, when a purchase is made in a foreign country, the transaction amount is converted to U.S. dollars, and adjusted by a 1% currency conversion fee. When the transaction is posted to your account, the total amount (purchase amount plus conversion fee) appears as a single transaction on your billing statement. Effective April 2, 2005, the currency conversion fee will be discontinued. Instead, a 1% International Transaction Fee will be assessed on all transactins where the merchant country differs from the country of the card issuer. The converted transaction amount will be shown seperately from the International Transaction Fee on your billing statement. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements. Change to Foreign Transaction Currency Exchange Rate Effective April 2, 2005, the exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Transaction Fee. This Quarter at YOUR Credit Union Home Equity Loan Special Beginning April 1st thru June 30th Members Choice WV FCU will 3rd Party Did you know that no matter where you purchase your new or used car, from an individual or a dealer, you can finance through US! And now starting..... If you finance your auto loan of $7,500 or more with US you will receive a CAR CARE PACKAGE including bucket, sponges, wash and wax, one free LENDER For Members wishing to purchase or refinance gas card, one free oil-change and many more exciting suprises! -OR- Take advantage of our their primary residence! 2nd Chance Promotion and *Loans Must Be a Minimum of $50,000 and must be Portfolio Loans your existing new car loan with us and receive a *Not applicable to Secondary Market Loans For more details contact: ** $75 FREE GAS CARD! Jennings Burch (Mortgage Specialist) Telephone: (304) 346-5242 Ext. 208 Email: Jburch@wvdsl.net * Both Promos are subject to normal credit approval guidelines ** Vehicle must have been purchased after September 1, 2004. Please fill out the survey below and return it to the credit union by April 30th. You will be eligible for a prize drawing of $100! Your information is confidential and your comments matter! Thank you for your time and submission! 1. Your sex: ⁭ Male ⁭ Female 2. Age: ⁭under 18 ⁭18-25 ⁭26-35 3. Favorite Radio Frequency: ⁭ AM ⁭ FM ⁭36-44 ⁭45-54 ⁭55+ 5. My favorite Station is 4. I listen to the radio mostly…………… ⁭ In the mornings (6am – 9am) FM Stations AM Stations ⁭ During the day (9am – 5pm) ⁭ 88.5 ‘WV Public Radio’ ⁭ 580 ‘Talk Radio 58’ ⁭ In the evenings (5pm – 12am) ⁭ 96.1 ‘The Wolf’ ⁭ 680 ‘Solid Gospel ‘ ⁭ 97.5 ‘WQBE’ ⁭ 1490 ‘ESPN Radio’ 6. I watch TV mostly……………….. ⁭ 98.7 ‘The Beat’ Other: Please List ⁭ In the mornings (6am – 9am) ⁭ 99.9 ‘V100’ ____________________ ⁭ During the day (9am – 5pm) ⁭ 102.7 ‘Super 102’ ____________________ ⁭ In the evenings (5pm – 12am) ⁭ 100.9 ‘WJYP’ ____________________ 7. My favorite television station is……… ⁭ 105.1 ‘Rock 105’ ____________________ __________________________________ ⁭ 107.3 ‘KAZ-FM’ (Please list station and channel) 8. My favorite newspaper is…__________________________________________________________ 9. My favorite section of the newspaper is…______________________________________________ THANK YOU FOR YOUR PARTICIPATION! Please fill out and mail/drop off at the Credit Union to be entered in a drawing for $100: PO Box 20040, Charleston, WV 25362 Member Name:______________________________ Address:___________________________________ Member Number:______________________________ Telephone Number:____________________________ WE ENCOURAGE ALL TO PARTICIPATE. IF YOU HAVE FAMILY MEMBERS THAT WOULD LIKE TO PARTICIPATE AND YOU NEED MORE THAN 1 COPY PLEASE ASK ABOUT THIS SURVEY AT THE CREDIT UNION OR PARTICIPATE ONLINE AT WWW.MEMBERSCHOICEWV.COM Our Member Values the FREE Cash they can Win...... All you have to do is: DIVIDENDS April II Quarter: Regular Shares: $25.00 to $4,999.991.25%; 1.26APY $5,000 to $9,999.991.50%; 1.51APY $10,000.00 & Above2.00%; 2.02APY Checking: $1,000.00 & Above.75%; .75APY Regular IRA Accounts: 2.50%; 2.53APY CD rates change monthly, call & check for our current CD rates for 6 months, 1 & 2 years. ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ Members Choice WV FCU 201 Ohio Avenue Charleston, WV 25302 (304)346-5242 (800)526-5242 Fax: (304)346-5266 www.memberschoicewv.com Dial-A-Teller: (304)343-4011 or (304)343-4027 or (866)700-4416 Hours of Operation Lobby: Monday - Friday 8:30am-4:45pm Drive-Thru: Mon., Tues., Fri. 8:15am-4:45pm Wednesday 8:30am-4:45pm Thursday 8:15am-5:30pm NCU A NCUA Your Savings Federally Insured to $100,000 National Credit Union Administration, a U.S. Goverment Agency EQUAL HOUSING LENDER WedoBusinessinAccordancewith theFederalFairHousingLawandthe EqualCreditOpportunityAct 1. Read your newsletter 2. Correctly answer the 3 questions 3. Drop off or send to Credit Union by May 15th 1. Who is now eligible to join Members Choice WVFCU? ⁭ Your newest pet ⁭ Anyone who lives, works, worships, volunteers, or attends school in Kanawha County, WV. ⁭ Your best friend who lives in California 2. What are the dates of National Credit Union Youth Week? ⁭ April 17th – 23rd ⁭ August 14th – 20th ⁭ July 24th – 30th 3. Which is NOT something that you should do to protect yourself from Identity Theft? ⁭ Keep items with personal information on them in safe places and shred or tear them up when you don’t need them anymore ⁭ Order a copy of your credit report every year ⁭ Give out your Social Security Number to anyone that asks. Member Name:_________________ Member #:________________ Address:_______________________ City/State/Zip:_____________ Telephone#:____________________ Email Address:____________ Cut along dotted line & drop off at the Members Choice WVFCU or mail it to: PO Box 20040, Charleston, WV 25362 Members Choice will be CLOSED on the following holidays: Monday, May 30th Memorial Day & Monday, July 4th Independence Day Members Values Newsletter Quiz Milly A. Torman ~ $10 Betty Preston ~ $10 Beatrice J. Walker ~ $10 Shirley Boggess ~ $10 Ardyce R. Carlson ~ $10 E. Slack ~ $10