1. society
2. work
3. retirement

Credit Union
Fall 2014
5th Annual Putt Putt for
Charity Mini-golf Tournament
Thank you to all our sponsors (see page 2 for a complete
listing) and players who showed their generosity and support at
the 5th Annual Putt Putt for Charity Miniature Golf Tournament
on August 2, 2014, at Putter’s Paradise in Berlin.
Together, we raised over $19,700 for the American Eagle
Federal Credit Union Fund at the Hartford Foundation for
Public Giving.
We had a great event day and an excellent turnout of minigolfers. Guests were treated to face painting, giveaways, and
prizes. In addition, 19
Credit Union employee
volunteers contributed
to a well-organized and
successful event.
To view photos of
the event, visit the
American Eagle
Federal Credit Union
Facebook page.
All proceeds will
benefit the American Eagle Federal Credit Union Fund at the
Hartford Foundation for Public Giving. The Fund serves as our
primary source of charitable giving and provides opportunities
for the Credit Union,
our members, and
our strategic partners
to give back to the
community in the form
of financial support to
charities in the Greater
Hartford area.
News
Have You Ever Received a Random
Text Message? Guess What? No Real
Prize Is Waiting for You!
The Federal Trade Commission has said it before and they will
say it again: Do not reply to or click on a link for a random
text message you see on your phone (or e-mail message)
saying you have won a prize, gift card, or an expensive
electronic gadget like an iPad…it is most likely a scam.
According to the Federal Trade Commission, spammers
are hired to send millions of unsolicited texts to lure
unsuspecting people to web sites where they would get
“free” gift cards. When people clicked on the links, they were
led to bogus web sites to register for the prizes. Registration
required them to sign up for several third-party offers
where they had to reveal personal information. In the end,
no one actually got the gift cards or other gifts that were
promised in the text message. The whole scam was designed
to allow these companies to collect personal information
and make money by selling it to third parties.
How you can avoid the scam:
Delete random texts, especially those that ask you to enter a
special code, or to confirm or provide personal information
by following a link to a web site. These are almost always
bogus sites that exist solely to access your information.
Never give your personal or financial information out online.
Be guarded with your personal information, and treat it as
if it were cash. Refrain from entering your Social Security,
financial account, or credit or debit card numbers online or
by phone to someone who calls, e-mails, or texts you. Just
remember, no legitimate business will ever text or e-mail
you asking for your personal information, especially your
trusted credit union: American Eagle Federal Credit Union.
If you wish, report spam texts to your carrier. Copy the original
message and forward it to 7726 (SPAM) free of charge, if you
are an AT&T,T-Mobile,Verizon, or Sprint subscriber.
Credit Union Converting from Federal to State Charter
American Eagle Federal Credit Union recently applied for a Connecticut state charter. As part of the application process, the
Credit Union is looking to expand its field of membership into New Haven County. As a member-owner of the Credit Union
your opinion matters and you will be asked to vote on this issue. In the upcoming weeks, you can expect to receive a ballot
by mail. We encourage your participation and feedback in this process. Management believes that by voting in favor of this
conversion, AEFCU members will benefit in the following ways:
• Future enhancements to products and service delivery
• Assisting more members throughout the State of Connecticut
• Potential expansion of branches and ATMs
• Increased community giving through the American Eagle Fund
Please visit www.americaneagle.org/charter for answers to some of the more common questions you may have about the conversion.
Putt Putt for Charity Mini-golf
Hartford Foundation
for Public Giving
Thanks to Our Sponsors
Gold Sponsors
Silver Sponsors
American Red Cross
Blood Drive: October 29
at East Hartford Branch
American Eagle Federal Credit Union
is hosting a blood drive on Wednesday,
October 29,
2014, from
10:00 a.m. to
3:30 p.m. at
our East Hartford branch at 417 Main
Street. The Connecticut American Red
Cross Save-A-Life Bus will be parked
in the AEFCU East Hartford branch
parking lot. Unfortunately, the bus is not
handicap accessible. Donors must be
able to climb stairs to enter bus.
To register to donate blood, go to
www.redcrossblood.org or call the
Red Cross at 800.733.2767. Walkins are welcome, but registration is
encouraged to avoid waiting.
Eagle Sponsors
Andrews Associates • Barker Specialty • Barry & Barall, LLC
CenturyLink, Inc. • CT Computer Service, Inc. • CTMA Wealth Management
The Green Machine, Inc. • Harbor Network • Makiaris Media Services
PAC Services • Pentra • The Pita Group • Presidio
Ray Thomas Colliers International • Victor Advertising Services
Hole Sponsors
ACI Worldwide • Baillie & Hershman PC • Compass IT Compliance • Connecticare
Controlled Air, Inc. • Richard E. Cottone, LLC • Credit Union League of CT
CU Direct • Cummings, Lanza, and Purnhagen, LLC • Rick and Aida Cyphers
DeManche McChristian, LLC • Dwyer, Sheridan & Fitzgerald
Edward Jones Investments • Enterprise • Fiorentino, Howard & Petrone, PC
Forms for Business, Inc. • Goodwin College • Iron Mountain
Jacobs, Walker, Rice & Barry LLC • LPL Financial • Manchester Community College
Mass Mutual • Mastrianni & Seguljic, LLC • Middlesex Community College
Peter J. Petrone, Attorney • PSCU • R2 Graphics, Inc. • Savory Concepts, LLC
Support Financial Resources • Transunion • Trinity Printing • Turnpike Motors Auto Body
Law Offices of Richard A. Witt, LLC
Prizes and Other Sponsors
Cisco • Coca-Cola • CT Humane Society • DataCore Partners • FTN Financial • Matt Shuman
Working Together to
Strengthen Our Community
The vision of American Eagle Federal Credit Union is to be our community's first choice for financial services.
-2-
Free Social Security Seminar:
Seven keys to enhancing your benefits
How Much Do You Need
to Retire? Let’s Calculate
(Continued from p.4)
Social Security continues to play a critical role in a retirement strategy. Is yours taking
full advantage of what Social Security offers? Together, let’s rethink your retirement.
At the very least, you should
try to contribute at least
enough to receive the full
amount of your employer’s
matching contribution (if
offered). It’s also a good idea
to increase contributions
annually, such as after a pay
raise.
Learn the seven keys to enhancing Social Security benefits:
• Keys to help you understand the basics of Social Security, including when
you should start taking benefits.
• Keys that take a deeper dive into Social Security such as working in
retirement.
• Finally, taking the next step at this insurance sales presentation with the
Rethinking Retirement strategies.
4. Meet with an advisor.
A financial professional can
help you determine a strategy
-- and help you stick to it.
There are two seminars. Members and non-members are welcome. Space
is limited. RSVP by Friday, October 3rd.
Tuesday, October 7, 2014
5:30 p.m. to 7:00 p.m.
American Eagle FCU, West Hartford Branch
1245 New Britain Avenue, West Hartford
RSVP to: Tara Scott, Financial Consultant, American Eagle Financial Services
860.568.2020, ext. 5382, or tara.scott@lpl.com
Wednesday, October 8, 2014
5:30 p.m. to 7:00 p.m.
American Eagle FCU, East Hartford Branch
417 Main Street, East Hartford
RSVP to: Diane Brett, Financial Consultant, American Eagle Financial Services
860.568.2020, ext. 5381, or diane.brett@lpl.com
Allianz Life Insurance Company of New York. Allianz Life Insurance
Company of North America
This presentation is designed to provide general information on the subjects covered.
Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal
or tax advice and cannot be used to avoid tax penalties or to promote, market, or
recommend a tax plan or arrangement. Please note that the Allianz companies, their
affiliates, and their representatives and employees do not give legal or tax advice. You
are encouraged to consult your tax advisor or attorney. Products are issued by Allianz Life Insurance Company of
North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. www.allianzlife.com. In New York, products
are issued by Allianz Life Insurance Company of New York, One Chase Manhattan Plaza, 38th Floor, New York, NY
10005-1423. www.allianzlife.com/newyork/. Only Allianz Life Insurance Company of New York is authorized to offer
annuities and life insurance in the state of New York. Variable products are distributed by their affiliate, Allianz Life
Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.
Looking for a New Car? Use the Online AutoSMART Auto Center
The American Eagle FCU online Auto Center is your one
stop for everything you need to research, review, build,
locate, apply, and buy a new or used vehicle. It has all the
tools to guide you through the car-buying process from
start-to-finish. Research automobile makes and models.
Read articles and reviews. Build a new car with a few clicks.
Search and locate vehicles from our expanding Preferred
Dealer Network. Use the Smart Approval application to get pre-approved, print
the pre-approval, then go to a preferred dealer and drive away in your new car.
Smartphone users can use the free AutoSMART mobile app. Take a test drive at
americaneagle.org/autosmart.
Retirement will likely be one of the
biggest expenses in your life, so it’s
important to maintain an accurate
price estimate and financial plan. Make
it a priority to calculate your savings
goal at least once a year.
1The
result shown is for illustrative purposes
only. The hypothetical returns used do not
reflect the deduction of fees and charges
inherent to investing. Taxes are due upon
withdrawal. Your results will vary.
Because of the possibility of human or
mechanical error by S&P Capital IQ Financial
Communications or its sources, neither S&P
Capital IQ Financial Communications nor its
sources guarantees the accuracy, adequacy,
completeness, or availability of any information
and is not responsible for any errors or
omissions or for the results obtained from
the use of such information. In no event shall
S&P Capital IQ Financial Communications be
liable for any indirect, special, or consequential
damages in connection with subscriber’s or
others’ use of the content.
Not NCUA Insured
No Credit Union Guarantee
May Lose Value
The vision of American Eagle Federal Credit Union is to be our community's first choice for financial services.
-3-
­ OFFICE LOCATIONS
Bloomfield
699 Cottage Grove Rd.
Cromwell
4 Hammerhead Pl.
East Hartford
417 Main St.
Enfield
201 Elm St.
Farmington
4 Farm Springs Rd.
Glastonbury
109 Sycamore St.
Manchester
304 Broad St.
Newington
3579A Berlin Tpke.
Plainville
378 New Britain Ave.
South Windsor
530 Buckland Rd.
Southington
888 Queen St.
Vernon
455 Hartford Tpke. (Route 30)
West Hartford
1245 New Britain Ave.
­ MEMBER ELIGIBILITY
Membership is open to everyone in Hartford, Middlesex, and
Tolland counties in Connecticut.
­ MEMBER SERVICES
24-Hour Telephone Banking
860.568.3802 or 800.843.1151
24-Hour Online Banking
americaneagle.org
e-mail: info@americaneagle.org
Member Contact Center
860.568.2020 or 800.842.0145, ext. 5101
Credit Union News is an informational bulletin
published by American Eagle Federal Credit
Union. We welcome your questions and
comments. Please send your correspondence
to: Marketing, American Eagle FCU, 417 Main
St., East Hartford, CT 06118 or
e-mail us at info@americaneagle.org.
Federally insured by NCUA.
Equal Opportunity Lender.
How Much Do You Need to Retire? Let’s Calculate
Calculating a retirement savings goal is one of the most important steps investors can
take to help determine if they are on pace to meet that goal. However, most American
workers haven’t tried to figure out how much
money they will need to accumulate for
retirement. What about you?
Planning Matters
What’s important to realize is that the
exercise of calculating a retirement savings
goal does more than simply provide you with
a dollars and cents estimate of how much
you’ll need for the future. It also requires you
to visualize the specific details of your retirement dreams and to assess whether your
current financial plans are realistic, comprehensive, and up-to-date.
Action Plans
The following four strategies will help you do a better job of identifying and pursuing
your retirement savings goals.
1. Double-check your assumptions. Before you do anything else, answer
these important questions: When do you plan to retire? How much
money will you need each year? Where and when do you plan to get your
retirement income? Are your investment expectations in line with the
performance potential of the investments you own?
2. Use a proper “calculator.” The best way to calculate your goal is by using
one of the many interactive worksheets now available free of charge online
and in print. Each type features questions about your financial situation as well
as blank spaces for you to provide answers. An online version will perform
the calculation automatically and respond almost instantly with an estimate of
how much you may need for retirement and how much more you should try
to save to pursue that goal. If you do the calculation on a paper worksheet,
however, you might want to have a traditional calculator on hand to help with
the math. Remember that your ultimate goal is to save as much money as
possible for retirement regardless of what any calculator might suggest.
3. Contribute more. Do you think you could manage to save another $10
or $20 extra each pay period? If so, here’s some motivation to actually do it:
Contributing an extra $20 each week to your plan could provide you with an
additional $130,237 after 30 years, assuming 8% annual investment returns.1
(Continued on p. 3)
For additional information, or to discuss your retirement plans,
call one of our financial consultants.
Diane Brett, Financial Consultant: 800.842.0145, ext. 5381 • diane.brett@lpl.com
Tara Scott, Financial Consultant: 800.842.0145, ext. 5382 • tara.scott@lpl.com
American Eagle Federal Credit Union and
American Eagle Financial Services are not
registered broker/dealers and are not
affiliated with LPL Financial.
Securities offered through LPL Financial, member FINRA/SIPC. Insurance
products offered through LPL Financial or its licensed affiliates. The investment
products sold through LPL are not insured American Eagle Federal Credit
Union deposits, and are not NCUA insured. These products are not
obligations of the American Eagle Federal Credit Union and are not endorsed,
recommended, or guaranteed by American Eagle Federal Credit Union or any
government agency. The value of the investment may fluctuate, the return on
the investment is not guaranteed, and loss of principal is possible.
Not NCUA Insured
No Credit Union Guarantee
May Lose Value
The vision of American Eagle Federal Credit Union is to be our community's first choice for financial services.
-4-