A Publication of Beach Municipal Federal Credit Union Spotlight Spotlight FINANCIAL REST AREA NEXT EXIT $$ AVOID FEES PAY OFF CREDIT CARDS IMPROVE CREDIT SCORE CREATE A SPENDING PLAN BUILD SAVINGS AVOID CRISIS 1234 5678 9012 3456 WIDGET BANK 1234 5678 9012 3456 WIDGET BANK 500 675 850 Tired of living Paycheck Paycheck ? to Doing good is something credit unions take seriously, locally and globally. This cooperative spirit of people helping people has led to life-changing opportunities in the form of home ownership, education and financial freedom. On October 16, credit unions around the world will unite behind the message of “Local Service. Global Good.” for International Credit Union (ICU) Day. Here at Beach Municipal FCU, financial education has always been one of our key initiatives. We believe financial freedom is possible for anyone, and that’s why we are proud to participate with Bank On Virginia Beach. Bank On Virginia Beach can help you learn how to better manage your money ~ break free from living paycheck to paycheck, avoid late payment and penalty fees or simply learn how to keep more money for yourself. New City employee-only classes are starting January, 2015. To learn more about the program or sign up for classes, visit our website at beachmunicipal.org. 51035 - Q3NL - 0914 Fall 2014 Thursday October 16, 2014 January 2015 Classes Municipal Center, Bldg 14 Conference Room Second Wednesday of the Month Time: 12pm - 1pm Start Date: January 14, 2015 Pembroke 6, Room 431 First Tuesday of the Month Time: 12pm - 1pm Start Date: January 6, 2015 NO TOLLS Thanks to our partners, Bank On Virginia Beach costs you nothing but your time. Everything is completely FREE. Through the 10 monthly classes, and one-on-one coaching, you’ll break free from living paycheck to paycheck, avoid late payment and penalty fees and keep more money for yourself! Invest in Yourself. Register Today. www.VBGov.com/BankOn
Transcript
A Publication of Beach Municipal Federal Credit Union
SpotlightSpotlight
FINANCIAL REST AREANEXT EXIT
$$ AVOIDFEES
PAY OFFCREDIT CARDS
IMPROVECREDIT SCORE
CREATE ASPENDING PLAN
BUILDSAVINGS
AVOIDCRISIS
1234 5678 9012 3456 WIDGET BANK
1234 5678 9012 3456
WIDGET BANK
500
675
850
Tired of livingPaycheck
Paycheck?toDoing good is something credit unions take seriously, locally and globally. This cooperative spirit of people helping people has led to life-changing opportunities in the form of home ownership, education and financial freedom. On October 16, credit unions around the world will unite behind the message of “Local Service. Global Good.” for International Credit Union (ICU) Day.
Here at Beach Municipal FCU, financial education has always been one of our key initiatives. We believe financial freedom is possible for anyone, and that’s why we are proud to participate with Bank On Virginia Beach.
Bank On Virginia Beach can help you learn how to better manage your money ~ break free from living paycheck to paycheck, avoid late payment and penalty fees or simply learn how to keep more money for yourself.
New City employee-only classes are starting January, 2015. To learn more about the program or sign up for classes, visit our website at beachmunicipal.org.
51035 - Q3NL - 0914Fall 2014
Thursday October 16, 2014
January 2015 ClassesMunicipal Center, Bldg 14
Conference Room
Second Wednesday of the Month
Time: 12pm - 1pm
Start Date: January 14, 2015
Pembroke 6, Room 431First Tuesday of the Month
Time: 12pm - 1pm
Start Date: January 6, 2015
NO TOLLSThanks to our partners, Bank On Virginia Beach costs you nothing
but your time. Everything is completely FREE.
Through the 10 monthly classes, and one-on-one coaching, you’ll break free from living
paycheck to paycheck, avoid late payment and penalty
fees and keep more money for yourself!
Invest in Yourself. Register Today. www.VBGov.com/BankOn
!MAKE YOUR vote COUNT
BEACH MUNICIPAL FEDERAL CREDIT UNION
BOARD OF DIRECTORS2014 Election Qualifications and Biographical InformationKathryn (Kitty) B. HillMs. Hill retired from the Virginia Beach Department of Human Services after 33 years of service. Prior to that, she worked as a Counselor at what was then called Child and Family Services of South Hampton Roads. Ms. Hill has also served as the Chief Supervisor and at one time Acting Director of the Virginia Beach Dept. of Social Services, was Chair of the Social Work Advisory Board for Norfolk State University, has been a member of and Chair of an Allocation Panel for the United Way of South Hampton Roads and was President of the Virginia State Chapter of the National Association of Social Work. Ms. Hill, who earned a B.S. degree from Hampton University and a Masters in Social Work from Clark Atlanta University, has been a member of the Credit Union since 1972 and a member of the Board since 2005.
Lois M. Dalton RitgerMs. Ritger has been a member of Beach Municipal Federal Credit Union since 1976 and a member of the Board of Directors since 2005. In addition to her employment as a Records Management Specialist, she serves for the Virginia Association of Government Archivists and Record Administrators (VAGARA). She is very involved with her church and as a long-term member of the Kempsville High School’s Class of 1973 Reunion Committee.
2014 Board of Directors Election & Annual Meeting1. The Nominating Committee has submitted
nominations for two (2) seats for the Board of Directors. Nominations for vacancies may also be made by any member at least eighteen (18) years of age filing a written Petition containing signatures of at least 94 members (one (1) percent of membership), a statement of qualifications and a signed statement agreeing to serve if elected with the Vice Chairman of the Board of Directors, Bill Meador, no later than 5pm, November 3, 2014.
2. When there is only one nominee for each position to be filled, the election will not be conducted by ballot and there will be no nominations from the floor. If sufficient nominations are made by the Nominating Committee or by petition to provide more than one nominee for any position, ballots will be distributed to all members eligible to vote. To be eligible, members must be at least sixteen (16) years of age.
3. Election to the Board of Directors shall be determined by plurality of vote. Voting will be conducted by ballot box.
4. Ballots, if necessary, may be cast from 9am, Monday, November 10, 2014 until 5pm, Wednesday, November 19, 2014.
5. Eligible members may also vote at the Annual Meeting if they have not previously cast a ballot. Nominations from the floor are not permitted at the Annual Meeting.
6. The Election results will be announced during the 2014 Annual Meeting.
7. The 2014 Annual Meeting will be held at 6pm, Wednesday, December 3, 2014, at the Thalia Branch office located at 4164 Virginia Beach Blvd.
Nominating Committee Members: Leigh Kovacs, Patti Porter and Charity Stone
Terms Expiring: Kathryn (Kitty) B. Hill and Lois M. Dalton Ritger
Nominations Made by the Committee: Kathryn (Kitty) B. Hill (incumbent) and Lois M. Dalton Ritger (incumbent)
As a member of Beach Municipal FCU, your vote is what makes you an equal partner in guiding and directing your credit union. The following details the election process and provides information regarding the Annual Meeting. All members are invited to attend, so please mark your calendars
and join us. We hope to see you there!
A Publication of Beach Municipal Federal Credit Union
With your free turtle bank, you can save change for the Virginia Aquarium’s conservation efforts while also learning about money. Everyone who participates receives a prize! The top savers each season will be entered into a grand prize drawing in which they could win the opportunity to help release a stranded sea turtle back into the wild, name a baby sea turtle on exhibit, win an Aquarium membership, Busch Gardens tickets and so much more!
The sea turtle banks can be picked up at the Aquarium or any Beach Municipal FCU location and then returned to either the Thalia or Marketplace branch. Visit our website for more information about the Small Change program and a full list of prizes.
• Two Aquarium admission tickets• Sea Turtle Behind-the-Scenes for
up to 4 people• Beach Municipal FCU prize pack• Small plush sea turtle• Listing on Aquarium website
• Aquarium “Crab” Membership• Behind-the-Scenes tour with the
Stranding Response team• Hands on help returning a sea
turtle to the wild• Name a baby sea turtle on exhibit• Movie & Busch Gardens tickets• Goody bag & more!
TOP 5 SEASONAL SAVERS PRIZE
GRAND PRIZE PACK
There’s STILL TIME to save the
Sea Turtles!
Give the Gift THAT’S ALWAYS RIGHT! VISA gift cards make the perfect gift for the holidays.
• One, you don’t have to endure the traffic or the shopping crowds,
• Two, you know your gift will be perfect ~ always the right color, right size, right style, right choice, and
• Three, VISA Gift Cards are safer than cash because, if the card is lost or stolen, the unused portion can be replaced.
Visa Gift Cards may be purchased for a small fee of $2.50 at the Marketplace and Thalia branches. To learn more about prepaid VISA Gift Cards, please visit our website.
Give the perfect gift every time… give VISA Gift Cards this holiday season or for any occasion!
Your Little
Holiday HelperWith the holidays just around the corner, now’s the time to make sure you have everything you need to celebrate the season.
A VISA or MasterCard credit card from Beach Municipal FCU lets you take advantage of holiday sales, plan that exceptional party or indulge in a gift for that someone special. We offer several different types of credit cards featuring competitive rates, no annual fees, the same rate for cash advances and purchases, rewards points and a 25-day grace period on all purchases. Plus, there are no fees for balance transfers!
Say “no” to expensive department store charge cards. And unlike those “teaser” rates that come in the mail, our rates start out low — and stay that way.
Apply todayonline, by phone or in-person!
Holiday ClosingsBeach Municipal Federal Credit
Union will be closed in observance of the following holidays:
The cursed have taken over Busch Gardens! Howl-O-Scream offers chills and thrills to guests brave enough to venture into this cursed park. Navigate through Wendigo Woods, one of five Terror-tories; brave a darkly entertaining show like Monster Stomp on Ripper Row and explore six haunted houses waiting for those daring enough to enter the park after dark.
Be warned: at 6 p.m. Busch Gardens becomes a seriously scary place and may not be suitable for little ones. Please use discretion when bringing children into the park at this time. The curse continues weekends through Oct. 26.
Fall Fun Cards* are available for the discounted price of only $68 (gate price $75). Discounted single day tickets are also available for purchase at our Thalia and Marketplace branches. * Fun Cards are only valid for the person listed on the ticket. Fun Cards are valid for unlimited admission to the Park from Sept 6-Oct 26, 2014. Does not include parking. Please see Busch Gardens for more details.
PLUS no payments for the rest of the year And rates as low as
2.25% APR2
Jump start the holidays.
Enterprise will offer you Kelley Blue Book® Trade-In Value
PLUS $500!1
Upon used vehicle purchase from Enterprise Car Sales.
UpTo
Free * No Strings Attached * No Sales *Trusted Advice and Information
www.vbgov.com/fpd to register or call 757-385-3551
Resource Providers
One on One Advice Workshops Credit Reports
FINANCIAL PLANNING DAYSaturday, October 18, 2014
8:30 am to 1:00 pm Virginia Beach Convention Center
Topics: Financial Control Tax Credit Higher Education Career Development Military/Veterans Benefit Healthcare Retirement
2 APR=Annual Percentage Rate. Rates as low as 2.25% APR for up to 60 months on 2010 or newer vehicles. 100% Financing available including Tax, Title and License. Financing for qualified Beach Municipal Federal Credit Union members. Not all buyers will qualify. Actual rate may vary based on credit worthiness. Offer valid only on Enterprise Car Sales vehicles purchased 10/1/14 - 12/31/14. This offer cannot be
combined with any other offer except those listed on this advertisement. Offer valid from 10/1/14 - 12/31/14.
