As I look back over my first year as President/CEO, I am pleased to see how we have continued to strengthen our commitment to the mission of providing a positive impact in the community. I would like to personally thank our members and staff who have shown their generosity throughout the year. Since January of this year, CCU employees have logged just under 2,000 hours of community service. Most recently, we had a tremendous response to our holiday gift drive which benefited both Aging Matters in Brevard and Neighbor Up’s Gifts From The Heart Christmas Shop. The other aspect of our mission is to always improve the financial well-being of our members. The number one concern we hear from members and the community at large is how difficult it is to build savings. So, if one of your New Year’s resolutions is to build your savings for a rainy day, we can help! Two quick, easy ways to get started include enrolling in the CCU Debit Card RoundUp Savings Program and taking advantage of our new Free Checking Plus account, if you haven’t already. With Debit Card RoundUp, your debit card purchases are rounded up to the next dollar and the difference is automatically deposited in your savings account. As I write this, over 4,600 members take advantage of this program and have accrued total savings of over $850,000. Free Checking Plus, which we introduced in October, allows you to earn an extraordinary dividend on your average daily balance every month while still having a truly FREE checking account. There are no minimum balance or deposit requirements and no monthly fees. Nearly 3,000 members now use this account, and the feedback is that they love it! You can learn more at ccuFlorida.org/plus, or just give us a call. Another key to being able to build savings is to reduce the amount of interest you pay on loans. This can be a challenge for those who have not built a strong credit history. It’s been about a year since we introduced QuickCASH Personal Loans, which provide our members an alternative to high-interest payday lenders. We are currently funding over $100,000 per month in these loans. In addition to being far less costly than a payday loan, timely payments of these loans can help these members build or rebuild a good credit history. Our newest service designed exclusively for members is the CCU Auto Buying Center. Conveniently available on the CCU website and mobile app, these resources will eliminate stress and help you get the best deal when you are ready to shop for a new or used vehicle. Included are AutoSMART which is an online vehicle marketplace, loan preapproval, and the CCU Auto Pro who will help you shop and negotiate with the dealer. This is a free member service that can help you be confident and comfortable when you’re at the dealership. Please check it out before you buy your next vehicle. Best wishes for a happy, healthy and prosperous 2019. A Message from Laurie Cappelli, President/CEO CCU Auto Buying Service MARK YOUR CALENDAR 21 CCU Debit Card RoundUp Savings Program $ Our Mission: Always improve the financial well-being of our members and make a positive difference in the community. A Special CCU Thank You Volunteers do not necessarily have the TIME; they just have the HEART. – Elizabeth Andrew, Author We would like to extend a heartfelt thank you and express our deep appreciation to Dortha “Dot” Everhart as she retires from over 50 years of service on the CCU Board of Directors. Dot was integral to many of the important initiatives which advanced CCU and helped us carry out our mission to serve our members and the community. Ms. Everhart began her teaching career in North Carolina in 1946, and moved to Florida in 1956. She spent 16 years in the classroom teaching English and Social Studies, and an additional 27 years in the library. She has served as President of the Brevard County Association of School Librarians and as Secretary of the Brevard County Education Association. Ms. Everhart joined the Board of Directors of CCU in 1965 and served 23 years as Secretary before being elected Vice-Chair. Dot, thank you for sharing your heart with us. Laurie Cappelli, President/CEO The 2019 Annual Meeting of the Members will be held on Thursday, March 21, 2019 at 7 p.m. at the Space Coast Health Foundation Center. One of the items of business is the election to fill open positions on the Board of Directors. We have two seats expiring (seat #1, seat #2). The Nominating Committee, made up of three members (one Board Director and two non-Board members), has nominated Moses Harvin and Jim Platman to continue serving in their current seats. These nominees have been serving on the Community Credit Union Board of Directors and several Committees and have many years of experience. Additional nominations for these open positions can be made by petition signed by at least one percent (1%) of the current credit union membership and a completed volunteer application must be filed. Service on the Board or Committee requires you to be a primary member. In order to be validated, the petitions and volunteer application must be submitted to Tina Webster, Executive Secretary, by close of business February 5, 2019. Petitions submitted after this date will not be accepted. Elections will not be conducted by ballot, and nominations from the floor will not be taken when there is only one nominee for each open position. Mark your calendars to attend the 2019 Annual Meeting of the Members and help us celebrate 66 years of service to the community! There will be refreshments and prize giveaways. All Community Credit Union members are welcome to attend! **Please note the location change of the meeting. The meeting will be held next door at the Space Coast Health Foundation Collaboration Center, 1100 Rockledge Blvd, Rockledge 32955.
Transcript
As I look back over my first year
as President/CEO, I am pleased
to see how we have continued to
strengthen our commitment to the
mission of providing a positive
impact in the community.
I would like to personally thank our members and staff who have shown their generosity throughout the year. Since January of this year, CCU
employees have logged just under 2,000 hours of community service. Most recently, we had a tremendous response to our holiday gift drive which benefited both Aging Matters in Brevard and Neighbor Up’s Gifts From The Heart Christmas Shop.
The other aspect of our mission is to always improve the
financial well-being of our members. The number one concern we hear from members and the community at large is how difficult it is to build savings.
So, if one of your New Year’s resolutions is to build your
savings for a rainy day, we can help!
Two quick, easy ways to get started include enrolling in the CCU Debit Card RoundUp Savings Program and taking advantage of our new Free Checking Plus account, if you haven’t already. With Debit Card RoundUp, your debit card purchases are rounded up to the next dollar and the difference is automatically deposited in your savings account. As I write
this, over 4,600 members take advantage of this program
and have accrued total savings of over $850,000.
Free Checking Plus, which we introduced in October, allows you to earn an extraordinary dividend on your average daily balance every month while still having a truly FREE checking
account. There are no minimum balance or deposit requirements and no monthly fees. Nearly 3,000 members now use this account, and the feedback is that they love it! You can learn more at ccuFlorida.org/plus, or just give us a call.
Another key to being able to build savings is to reduce the amount of interest you pay on loans. This can be a challenge for those who have not built a strong credit history. It’s been about a year since we introduced QuickCASH Personal Loans, which provide our members an alternative to high-interest payday lenders. We are currently funding over $100,000 per month in these loans. In addition to being far less costly than a payday loan, timely payments of these loans can help these members build or rebuild a good credit history.
Our newest service designed exclusively for members is the CCU Auto Buying Center. Conveniently available on the CCU website and mobile app, these resources will eliminate stress and help you get the best deal when you are ready to shop for a new or used vehicle. Included are AutoSMART which is an online vehicle marketplace, loan preapproval, and the CCU
Auto Pro who will help you shop and negotiate with the dealer. This is a free member service that can help you be confident and comfortable when you’re at the dealership. Please check it out before you buy your next vehicle.
Best wishes for a happy, healthy and prosperous 2019.
A Message from Laurie Cappelli, President/CEO
CCU
Auto Buying Service
MARK YOUR CALENDAR
21
CCUDebit Card
RoundUpSavingsProgram
$
Our Mission: Always improve the financial well-being of our members and make a positive difference in the community.
A Special CCU Thank You
Volunteers do not necessarily have the TIME; they just have the HEART. – Elizabeth Andrew, Author
We would like to extend a heartfelt thank you and express our deep appreciation to Dortha “Dot” Everhart as she retires from over 50 years of service on the CCU Board of Directors. Dot was integral to many of the important initiatives which advanced CCU and helped us carry out our mission to serve our members and the community.
Ms. Everhart began her teaching career in North Carolina in 1946, and moved to Florida in 1956. She spent 16 years in the classroom teaching English and Social Studies, and an additional 27 years in the library. She has served as President of the Brevard County Association of School Librarians and as Secretary of the Brevard County Education Association. Ms. Everhart joined the Board of Directors of CCU in 1965 and served 23 years as Secretary before being elected Vice-Chair.
Dot, thank you for sharing your heart with us.
Laurie Cappelli, President/CEO
The 2019 Annual Meeting of the Members will be held on Thursday, March 21, 2019 at 7 p.m. at the Space Coast Health Foundation Center.
One of the items of business is the election to fill open positions on the Board of Directors. We have two seats expiring (seat #1, seat #2). The Nominating Committee, made up of three members (one Board Director and two non-Board members), has nominated Moses Harvin and Jim Platman to continue serving in their current seats. These nominees have been serving on the Community Credit Union Board of Directors and several Committees and have many years of experience.
Additional nominations for these open positions can be made by petition signed by at least one percent (1%) of the current credit union membership and a completed volunteer application must be filed. Service on the Board or Committee requires you to be a primary member. In order to be validated, the petitions and volunteer application must be submitted to Tina Webster, Executive Secretary, by close of business February 5, 2019. Petitions submitted after this date will not be accepted. Elections will not be conducted by ballot, and nominations from the floor will not be taken when there is only one nominee for each open position.
Mark your calendars to attend the 2019 Annual Meeting of the Members and help us celebrate 66 years of service to the community! There will be refreshments and prize giveaways. All Community Credit Union members are welcome to attend!
**Please note the location change of the meeting. The meeting will be held next door at the Space Coast Health Foundation Collaboration Center, 1100 Rockledge Blvd, Rockledge 32955.
Our holiday gift drive for Aging Matters in Brevard and Neighbor Up’s Gifts from the Heart Christmas Shop filled three cars and helped make the holidays brighter for many in our community. Thank you to our wonderful
members and staff who donated!
We are already planning for 2019 community activities and events like the Crosswinds Youth Services 21st Annual Great Brevard Duck Race coming up in March in Cocoa.
Follow us to stay up to date and participate!
Contact Us or Come See Us:321.690.2328 800.690.2338
Call Telli for automated account information 24/7/365 by calling 321.631.4611 or 888.636.4611
Branch Locations:Rockledge - 1030 S US Highway 1Port St. John - 6269 N US Highway 1Palm Bay - 1325 Palm Bay Rd.Melbourne - 333 E. NASA Blvd.Viera - 7380 Murrell Rd., #102Titusville - 3125 S. Washington Ave.Indian Harbour - 293 E. Eau Gallie Blvd. Apply for a loan: Apply 24/7/365 by calling 321.637.3211, online at ccuFlorida.org, or in person during branch hours.ATM Locations: At every CCU branch and over 50,000 free nationwide. Find locations at ccuFlorida.org.
eBranch Services at ccuFlorida.org
eBranch Online Banking: Log in to your account at ccuFlorida.org.
Mobile App: Login on your Android phone or tablet, iPhone and iPad.Mobile Deposit: Register within the Mobile App and make deposits using your smart phone.eStatements: Sign up in the eBranch. They are free!Text Message Banking: For a complete list of text codes, visit ccuFlorida.org. Bill Pay & Presentment: Available in the eBranch or Mobile App.FinanceWorks: See all of your finances in one place, even accounts from other financial institutions. Learn more at ccuFlorida.org.
Contact Us or Come See Us:321.690.2328 800.690.2338
Call Telli for automated account information 24/7/365 by calling 321.631.4611 or 888.636.4611
Branch Locations:Rockledge - 1030 S US Highway 1Port St. John - 6269 N US Highway 1Palm Bay - 1325 Palm Bay Rd.Melbourne - 333 E. NASA Blvd.Viera - 7380 Murrell Rd., #102Titusville - 3125 S. Washington Ave.Indian Harbour - 293 E. Eau Gallie Blvd. Apply for a loan: Apply 24/7/365 by calling 321.637.3211, online at ccuFlorida.org, or in person during branch hours.ATM Locations: At every CCU branch and over 50,000 free nationwide. Find locations at ccuFlorida.org/locations.
eBranch Services at ccuFlorida.org
eBranch Online Banking: Login to your account at ccuFlorida.org.
Mobile App: Login on your Android phone or tablet, iPhone and iPad.Mobile Deposit: Register within the Mobile App and make deposits using your smart phone.eStatements: Sign up in the eBranch. They are free!Text Message Banking: For a complete list of text codes, visit ccuFlorida.org/text.
Bill Pay & Presentment: Available in the eBranch or Mobile App.Money Management: Your online financial management tool.
Board of Directors
Chair - Betty A. DunnSecretary/Treasurer - Linda P. Dale, CPA Director and Audit Committee Member - Johnette Gindling Director and Audit Committee Member - Moses L. Harvin Director and Audit Committee Member - Jim Platman
Senior Management
President/CEO - Laurie Cappelli, CCE, CCUESenior Vice President - Lesli Dooley, CCE, CCUEVP of Retail Sales - Dan Kelley VP of Commercial Services - Jim Chastain VP of Accounting/Finance - Margaret Hasenbeck, CCEVP of Technology - David Hill, CCE VP of Marketing - Meredith GibsonExecutive Secretary - Tina Webster, CRVPM, NCRM
Dates & Events
January: 2018 tax forms mailed and available within eBranch Online Banking
01/01: Branches closed for New Year’s Day01/21: Branches closed for MLK Day02/18: Branches closed for President’s Day03/21: Annual Meeting 7pm at the Space Coast Health Foundation Center
FREE WEBINARS–Sign Up Online
Visit ccuFlorida.org/events for info
Check out our CCU Blog at blogccu.org—your resource for news, offers, and financial information.
Federally insured by NCUA. Equal Housing Opportunity.
Do you know how to keep from turning into a Grinch when the holiday season rolls around? We do!
CCU makes saving for your 2019 holiday expenses easy with the Holiday Club Account.
• Set up automatic transfers weekly, bi-weekly, or monthly
• Make cash deposits at the branch
• Transfer funds to your Holiday Club Account anytime in eBranch Online Banking or on the Mobile App
• At the beginning of November, your funds will be transferred to your membership share savings account, just in time for holiday shopping
The Holiday Club Account will help you save a little all
year long. Open with only $5.
Transfer your balances from your
high-rate cards to a CCU credit card
and get an introductory rate of 2.99%
APR* for six billing cycles. After that,
rates are as low as 10.99% APR**.
There are no annual fees, no balance transfer fees, and you can choose from the CCU Platinum Credit Card or the Platinum Rewards Credit Card.
Apply online, by phone, or with the CCU mobile app.
*2.99% APR introductory rate is good for six consecutive monthly billing cycles. New Cardholders: Intro rate good for six billing cycles on purchases, cash advances, and balance transfers. Existing Cardholders: Intro rate good for six consecutive monthly billing cycles on balance transfers only. **When discounted period expires, the APR on the remaining balances will increase to the non-discount rate between 10.99% APR – 22.74% APR on the first day of the next billing cycle. Rate based on creditworthiness and whether you have a fixed or variable rate credit card. Limited time offer and subject to change.
You Know It’s Coming.
Be Ready with a Holiday Club Account.
CCU in the Community Wrap Up Your Holiday Debt
The Excitement is Building . . .
CCU in the Com
Christmas Shop filled
Have you heard? Our popular Port St. John and Titusville branches are moving to new, larger buildings! The Port St. John branch will move to a stand-alone building just a half-mile north, which will not only increase space but will also add drive-through service for that branch. The Titusville branch is scheduled to move to a stand-alone building on South Washington Avenue early in 2020.
We appreciate your patience as the CCU Rockledge branch remodel continues and look forward to unveiling our new lobby and updated drive-through which will both allow us to better serve your needs.
Look for updates and more information on our website: ccuFlorida.org/news
Visit ccuFlorida.org/mobile to learn more about: eBranch Services • Mobile Deposits • CCU Apps • FinanceWorks • Bill Pay • eStatements • Text Message Banking • eAlerts • Instant Loan Application • Electronic Wire TransferVisit ccuFlorida.org/ebranch to learn more about: eBranch Services • Mobile Deposits • Mobile App • FICO® Score • Bill Pay • eStatements • Text Message Banking • eAlerts • Instant Loan Application • Popmoney®
