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Summer 2014 Member Spotlight: PAGE 6 2014 MORTGAGE GIVEAWAY LOOK INSIDE! 2014 MORTGAGE GIVEAWAY LOOK INSIDE!
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Summer 2014Member Spotlight:
PAGE 6
2014
MORTGAGE GIVEAW
AY
LOOK INSIDE!
2014
MORTGAGE GIVEAW
AY
LOOK INSIDE!
2 InTouch / Summer 2014
President’s MessageAs the newly appointed President & CEO for Centris, it is my pleasure to share with you some of our accomplishments and results from 2013. Only our loyal employees and member population make all past and future accomplishments possible.
Perhaps the most telling way to truly see this is through the recognition by Omaha Magazine for the fifth year in a row of being voted as the “Best Credit Union in Omaha”. Centris received similar accolades in 2013 in Council Bluffs and Grand Island. As our employees strive to give you the best service possible, you in turn voted us the best. In this, we all win. Thank you!
Thanks to the Totally FREE Checking Account we implemented with accompanying tell-a-friend coupons for members to give their friends and family, we grew by about 2,400 households in 2013. This far exceeded our expectations and we are thrilled to have added so many to the “Centris Family.”
Centris Partners with the Better Business BureauWe see our fair share of scams at Centris, and one of the best ways we can fight this battle and prevent losses to our members and the credit union is through education. Two of our employees were recently asked to be on a planning committee with the Better Business Bureau to help create ways to fight fraud and raise awareness to community members and small businesses.
Through this collaboration, a video reenactment about foreign lottery scams was produced and is now live on YouTube. Its purpose is to educate and help protect consumers from being victims of this particular scam. The foreign lottery scam alone costs U.S. consumers over $100 million every year. The more educated consumers and financial institutions can be about these scams, the fewer victims there will be.
You can check out the video by visiting our blog: www.centrisfcu.org/blog or by liking Centris on Facebook and viewing the post there.
www.centrisfcu.org 3
Member Spotlight 6
Your Money 4
Your Money 8
Thank You for Voting us #1For the fifth year in a row members like you have voted Centris as the “Best Credit Union” in the Omaha-metro area! We are also proud to be voted second place for “Best Auto Financing” for the second year in a row.
The Best of Omaha 2015 voting will begin July 1, 2014 at www.bestofomaha.com and we would certainly appreciate your vote! Look for more information regarding voting at www.centrisfcu.org in July.
Congratulations to Scholarship WinnersCentris cares about investing in the lives and futures of the youth in our communities. This year four $500 scholarships were awarded to high school seniors and this year’s winners were presented their awards at our 79th Annual Business Meeting. We congratulate each of them and wish them the best in their future endeavors!
2015 Scholarship information will be available in the fall InTouch newsletter and at www.centrisfcu.org.
President / CEO Steve Swanstrom with 2014 scholarship winners Jonathan Mikulicz, K. Parriott, Kurtis Cronican, and Katie Moore.
Centris 79thAnnual Meeting At the 79th Annual Business Meeting, incumbents Veronika Pinkerton and Joe Sacco were both selected to serve three-year terms.
Board of Directors:Tom Beiriger, Chair Joe Sacco, First Vice ChairDenise Hill, Second Vice ChairLinda Aust, Treasurer Paul Elofson, SecretaryVeronika Pinkerton, Director Matt Dannehl, Director
Thank you to all who attended the Annual Meeting on March 25, 2014. We look forward to seeing you at next year’s meeting!
Save The Date:
Centris Movie NightFriday, September 19, 2014Werner Park
You
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4 InTouch / Summer 2014
The Mortgage Giveaway Winner is…Centris is proud to announce the winner of the 2014 Win a Free Mortgage for a Year contest is Mark Preucil.
Centris first began offering the Win a Free Mortgage for a Year contest in 2010, giving away up to $10,000 in free mortgage payments.Members were automatically entered into the contest when they completed a home loan or refinanced their mortgage loan through the credit union.
Because of the automatic entry system and no other requirements, Centris member Mark Preucil had forgotten he was entered in the contest and was
pleasantly surprised when he found out he won. “I had never won anything like that before. It was like hitting the lottery,” he said.
Mark, who has been a Centris member since 2011, said he has been very satisfied with the service he has received and that it was a, “no brainer to go with Centris,” when it came to refinancing his home.
As the winner, Mark will have his mortgage paid by Centris throughout 2014. The prize will allow him to update the house and continue to make some payments, in order to reduce the length of his mortgage. He says he will continue to bank with Centris in the years to come.
Congratulations, Mark!
www.centrisfcu.org 5
Look to Usfor All Your Mortgage NeedsIf you’re in the market for a new home or ready to refinance, look no further than your nearest Centris branch. Our neighborhood mortgage experts are here to assist you through the home buying process. From pre-approval to closing, Centris has the products and services you need and some benefits you won’t find anywhere else.
Here’s YourChance to Win...Now for a limited time, you have the opportunity to Win A FREE Mortgage For A Year! (Up to $10,000. Odds of winning based on number of entries received.*) Apply in person, online or call and get pre-qualified before you shop for your new home. We’ll show you why Centris is your trusted neighborhood mortgage partner.
Contact Us For Complete Information.*12 consecutive monthly mortgage payments (principal and interest only) of not more than $833.33 per month (“Monthly Maximum Prize”) totaling up to $10,000 in the aggregate. Exact prize amount will be determined by amount of eligible winner’s mortgage payment. Winner must pay any portion of winner’s monthly mortgage payments not attributable to principal or interest or otherwise in excess of Monthly Maximum Prize. Odds of winning depend on number of eligible entries received. Number of written prize notices to be distributed will depend on number of inquiries about the promotion. Beginning 1/1/14 through 12/13/14, when you open a mortgage loan with Centris Federal Credit Union (“Centris”) in Nebraska or Iowa, you will automatically be entered to be drawn as a winner in the “Centris Federal Credit Union Free Mortgage Giveaway”. Participants and winner(s) must be Nebraska or Iowa residents at least 18 years old as of 12/13/14, and have a valid driver’s license. To enter, you must be Centris members and have closed and have received funds for a mortgage loan or mortgage refinance from Centris on or after 1/1/14. One entry per person and/or household. If a winner is disqualified or cannot accept the prize as stated, Centris reserves the right to determine an alternate winner in its sole discretion. Prize is not transferable, redeemable for cash or exchangeable for any other prize. Centris may require winner to complete, execute and return affidavits of eligibility, liability releases and publicity releases prior to taking possession of prize. Failure to sign these documents, or if winner cannot be notified, or if winner is found to be ineligible or not in compliance with these Official Rules, will result in disqualification and an alternate winner will be selected.
Federally Insured By NCUA.
4.99% Fixed APR*Boat & Jet Ski Loan Sale
Head for the open waters with a boat or jet ski at a rate that doesn’t sink your budget.
In less time than you may think, you could be anchors aweigh towards your own nautical adventure with friends and family.
Hurry to your nearest Centris branchor call us for more details on thislimited time offer!
Federally Insured By NCUA.*Fixed Rates as low as 4.99% APR and term of up to 180 months. Rates are based on creditworthiness. $5,000 new money required. Payment example based on $7.90 for each $1,000 x 180 months at 4.99% APR. Requires automatic payment. Rates and terms subject
to change. Inquire at Centris for complete terms and conditions.
Mem
ber Sp
otlig
ht
6 InTouch / Summer 2014
if he won the lottery you would find him sailing the crystal blue waters of the Caribbean.
While he attended the University of Iowa and graduated with a degree in Economics, his Nebraska roots brought him back to Omaha in 1995 when he chose to pursue an MBA from Creighton University. Steve began his financial services career in 1990 as a Teller at a community bank in Sioux City and has worked for several financial institutions in and around Omaha before coming to Centris in 2009 to lead the Mortgage Services division.
In the five years Steve has been at Centris, he has led the Mortgage, Retail Financial Services, Indirect Lending, and Business Financial Services areas. “I’m proud of the recent growth in our Indirect Lending area that makes Centris more convenient for our members who are buying a vehicle. It also makes Centris available to others in our community through our dealer partner network. Similarly, I am excited about the future of our Business Financial Services area and making Centris better known in the business community, while continuing to serve our members’ needs with first class products and services through our branch network and online banking platform,” Steve said.
While Steve aspired to be President of a financial institution in his career, it was a long-term goal that happened sooner than he expected. “My goal as President & CEO is to see Centris continue striving to be the best that it can be in the communities we serve. We have a great foundation that we will continue to build on,” Steve said. “Our biggest challenges in the next five years will be increased competition and staying relevant in a very crowded marketplace. We compete against local, national,
Member Spotlight: Steve SwanstromQuiet and reserved, Steve Swanstrom, the newly announced Centris President & CEO, is just a normal, everyday guy. He’s an avid Husker Football fan and loves college sports in general. “I love the purity and honesty of it,” he said. Raised in Omaha and Sioux City, Iowa, he couldn’t help but be a lifelong Husker fan (his parents grew up in Nebraska and are Alumni of the University of Nebraska-Lincoln). You will usually see him at Memorial Stadium on game day Saturdays in the Fall. And after Nebraska joined the Big 10, he set a personal goal of following the Husker football team to every stadium in the Big 10. All that remain on his list are Illinois, Indiana and the newly added Rutgers and Maryland.
He plays golf and tennis when time allows, enjoys spending time with his family, and likes traveling to new places. His favorite destinations are the Colorado Rockies for skiing and
www.centrisfcu.org 7
Editor’s NoteAre you a Centris member making a unique contribution to the community? Know someone who is? Tell us your story for a chance to be featured in the Member Spotlight of the Centris Newsletter. Simply contact us at [email protected] or by phone at (402) 758-6520.
and online institutions that have no local presence. What sets Centris apart from these competitors is our active involvement in the communities we serve. Our employees volunteer thousands of hours of personal time to community events. Everything we do, every dollar we earn, gets reinvested in our local communities.”
Steve knows that anytime access is important to our members and their families. He and his wife Courtenay have a 14 year old daughter who keeps them busy and on the go. Like many Centris members, 24/7 access to banking products and services is important to the Swanstrom family.
“We have to be able to provide a broad-based suite of products and services that our members need anytime day or night. In an ever changing environment, it is important to continually evaluate the credit union’s products and services to determine if they are still relevant. We need to continually stay in tune with our members’ needs if we expect Centris to grow and remain a viable financial institution in the future,” he said. “It is difficult to predict the future. But the one thing we know is that it will change from today. If we keep up with those changes, Centris will be around for another 80 years.”
Your Chance to Win with FREE Mobile BankingHave you ever found yourself wishing you could check your account balance or make a transfer after the branch has closed? With mobile banking, we make that possible! The FREE Centris Mobile Banking App can be accessed via your smartphone or tablet. Get the convenience of being able to access your account 24/7 and the peace of mind knowing that your private information is safe with our protected and secured channels.
Countdown to 12,500We’re close to having 12,500 members enrolled in Centris Mobile Banking! To celebrate, we’re going to offer a LG 42” 1080p LED HDTV to one lucky member who is currently enrolled in our Mobile Banking App when we reach 12,500*! Contact us today for more information on Mobile Banking. Members who already have Centris Mobile Banking are automatically entered.
Enjoy the benefit of 24/7 access that Centris’ Mobile Banking offers plus the opportunity to win. Go to www.centrisfcu.org for official rules.*One winner will receive a LG 42” HDTV (LG 42LN5200). Odds of winning depend on number of entries received. Entrants must be a Centris member and be currently enrolled with mobile banking. Additional terms, conditions and eligibility restrictions apply. Official rules available at www.centrisfcu.org
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8 InTouch / Summer 2014
Five Misconceptions About AnnuitiesMisconception #1: Fixed annuities come with huge surrender penalties.The insurance company charges surrender penalties if the annuity is redeemed ahead of schedule. That just makes good business sense! Because if they didn’t, the insurance company would be taking higher risks and would not be as safe a place to keep your retirement money. If they lose, we all lose!
Misconception #2: All annuities charge high fees.Of course, if you are talking about variable annuities, they do sometimes come with very high fees. The reason a variable annuity charges high fees is because multiple parties are involved in their manufacture and distribution. Variable annuities and fixed annuities are quite different from one another. Fact: the majority of fixed annuities charge no fees or very minimal fees. End of story.
Misconception #3: The money put in an annuity is all tied up.Let’s face it, unless you put your money under a mattress or possibly in a checking/money market account in a bank, your money is “tied up”. There are always some strings attached to getting 100% of your money back. Annuities are flexible and provide many options, and you always know exactly what you’re getting into by knowing “how much” with certainty rather than the “uncertainty” of how much!
Misconception #4: Annuities are not good for older folks.Face it, as people grow older, most of them want to protect their money, not throw it into the market or someplace risky. That’s why fixed annuities can be excellent for older folks. What types of annuities should they be looking at? Only fixed interest, fixed indexed or immediate annuities should be used for people who don’t want to gamble with their retirement money.
Misconception #5: Annuities are not safe.Annuities are backed by the same insurance companies that protect your house, car, life, health and virtually everything else of value. A review of the factual history of fixed annuities shows that they are very safe. In fact, even during the great depression, there is no history or record of any insurance companies failing to pay claims on their contracts. This period was the most turbulent time of our country’s history. Pretty good track record, wouldn’t you say?
In conclusion:Used correctly, fixed annuities can protect the hard-earned retirement money of people who are more interested in a return of their money than the return on their money. Still not sure an annuity works for you? Speak with a licensed representative that can explain your options in an easy-to-understand way. Centris has several licensed representatives who can help you in your investment decisions.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG, LLC, to provide information on a topic that may be of interest. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
www.centrisfcu.org 9
We Make it Easy to Drive Offin Your Dream Car
Our Auto Buying Program, provided by Auto Premier, is a no-cost service offered exclusively to Centris Federal Credit Union members. The Program is not a broker service - we do not purchase vehicles on members’ behalf. Instead, we refer you to a participating dealer near you that has agreed to participate in our low, “one-price” Auto Buying Program for new vehicles, and special members-only incentives on pre-owned vehicles. Our representatives are trained to focus on your needs, and help you purchase the right car for you--when you’re ready. You’ll never feel pressured to make a decision, and there is never any obligation to purchase from a particular dealer.
Get the vehicle that best suits your needs. Use our online research tools to help you decide which vehicle to purchase and which options to choose for your vehicle--including pricing information, factory rebates and incentives, a payment calculator and a rebate/special finance calculator. Go to www.centrisfcu.org/auto-buying-resources.php for more information or call (800) 760-7129 for assistance in selecting a vehicle or locating a dealer.
Auto Buying Made Easyu Concierge Serviceu Special “No Haggling” Member Pricingu New and Pre-Ownedu Only the best dealers pass our screening process.
Member Appreciation NightFriday, August 1, 2014 - 7:05 pm
Entertainment:• Special ticket price only for Centris
members. FREE t-shirts to members - while supplies last!
• Plus, Centris members get FREE access to the Centris Family Fun Zone inside the stadium. Just show your Centris ATM, VISA® Credit or Debit card at the entrance of the Family Fun Zone. Don’t have a card? Stop into your nearest branch to pick up a Centris Family Fun Zone membership ID!
• Come out and see the greatest fireworks show in the Midwest!
Ticket Order Deadline is Friday, July 11If you have any questions or would like to order tickets with a credit card, please call Kaci at (402) 738-2183. Your tickets will be waiting for you at the Centris Will Call table. Please bring an ID to pick them up.
VS
ORDERING INFOPlease fill out the Ticket Order Form
and return to the Omaha Storm Chasers by July 11.
VS
10 InTouch / Summer 2014
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www.centrisfcu.org 11
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