Fall 2011 A Quarterly Publication for KEMBA Financial Credit Union Members The holiday season is fast approaching, which means many of us will be spending time shopping for the perfect gift for our families and friends. This is also the time of year when thieves spend time staking out parking lots and shopping centers for easy targets. Use these holiday safety tips to make this season a safe one for you and yours. Shop with a friend. When you shop with another person, thieves are less likely to target you for theft. It can also make you feel more secure. Keep gifts and everyday items out of sight. Bags filled with goodies sitting on your back seat are attractive to a burglar. Instead of leaving items in plain sight, lock all gifts in your trunk to avoid tempting a potential thief. Move your car when you drop off presents. If you are like most people, you don’t want to carry too many items from store to store. If you choose to drop off your purchases to your vehicle and resume shopping, consider moving your car a few lanes. Thieves stake out parking lots for people leaving gifts in their cars and returning back to the mall. If they see you drive away, they will likely assume your shopping trip is over and look for another target. Have your car keys out and ready. When returning to your vehicle, have your keys ready to unlock the door and enter your car. As you approach your vehicle, do a quick scan of the area around you to ensure there is nobody suspicious lurking around. Take note of where you parked your car. While this sounds easy, most of us can remember a time when we had some trouble locating our car in a busy parking lot. Being unable to locate your car may present you as a better target to a criminal. Park in well-lit areas of the parking lot. If you plan to shop until nightfall, look for light poles to park near or beside. These can also serve as a reference point when trying to locate your car. shop safely A beer way to bank this holiday season
Transcript
Fall 2011
A Quarterly Publication for KEMBA Financial Credit Union Members
The holiday season is fast approaching, which means many of us will be spending time shopping for the perfect gift for our families and friends. This is also the time of year when thieves spend time staking out parking lots and shopping centers for easy targets. Use these holiday safety tips to make this season a safe one for you and yours.
Shop with a friend. When you shop with another person, thieves are less likely to target you for theft. It can also make you feel more secure.
Keep gifts and everyday items out of sight. Bags filled with goodies sitting on your back seat are attractive to a burglar. Instead of leaving items in plain sight, lock all gifts in your trunk to avoid tempting a potential thief.
Move your car when you drop off presents. If you are like most people, you don’t want to carry too many items from store to store. If you choose to drop off your purchases to your vehicle and resume shopping, consider moving your car a few lanes. Thieves stake out parking lots for people leaving gifts in their cars and returning back to the mall. If they see you drive away, they will likely assume your shopping trip is over and look for another target.
Have your car keys out and ready. When returning to your vehicle, have your keys ready to unlock the door and enter your car. As you approach your vehicle, do a quick scan of the area around you to ensure there is nobody suspicious lurking around.
Take note of where you parked your car. While this sounds easy, most of us can remember a time when we had some trouble locating our car in a busy parking lot. Being unable to locate your car may present you as a better target to a criminal.
Park in well-lit areas of the parking lot. If you plan to shop until nightfall, look for light poles to park near or beside. These can also serve as a referencepoint when trying to locate your car.
shop safely
A better way to bank
this holiday season
With the holidays right around the corner, now is the perfect time to start thinking about what to get your friends and family members. It can be hard to find the right gift for everyone. Fortunately, with a Visa Gift Card from KEMBA, one size fits all!
Stop by any KEMBA branch and purchase a Visa Gift Card for any amount between $25 and $1,000, with an additional cost of just $4 for each card purchased. Gift cards can also be purchased by calling 614.235.2395 or 800.282.6420, option 4.
With three different card designs to choose from, these Visa Gift Cards work for any occasion!
Give KEMBA Visa® Gift Cards this holiday season!
Holiday ClosingKEMBA will be closed on Thursday, November 24, in observance of Thanksgiving; Monday, December 26, in observance of the Christmas holiday; and Monday, January 2, in observance of New Year’s Day. For your financial convenience use KEMBA’s Online Banking at kemba.org or visit any of our nearly 50,000 surcharge-free KEMBA, Alliance One, CO-OP, or MoneyPass ATM locations. Locate one near you using the ATM & Branch Location Finder at kemba.org.
KEMBA has teamed up with your local law enforcement officials to make your
Credit Union safe, and keep you secure while you’re banking. Therefore, we
respectively ask that you remove all hats, hoods, and sunglasses prior to
entering a branch. We also encourage you to end any cell phone calls before
beginning your transaction(s).
Your cooperation will help keep you, your family, and our staff safe.
KEMBA wants to keep you safe
and deter robberies
Your Credit Union is offering financial advice on a local radio program called The Investor’s Edge. Listen Saturday mornings and you may just hear a local KEMBA representative discussing topics such as improving your credit score, managing your debt, financial planning, and even college financing options, plus other topics designed to help you improve your financial life.
The program airs locally at 9:00 a.m. on Sunny 95 (94.7) FM, WCLT 1430 AM, WLOH 1320 AM, and 104.5 FM. Call-in questions are welcomed during the program. We invite you to visit your local KEMBA branch to learn more.
Tune in to The Investor’s Edge
Fall 2011
6.25%APR*And rates as low as
We offer:• Zero origination fees
• Flexible repayment options
• Lower rates and fees than other traditional “private” lenders
*APR=Annual Percentage Rate. This rate will vary with the market based on the Prime Rate + 3.0%. The Prime Rate is variable and will adjust quarterly (January, April, July, October) on the first of the month as published in the Wall Street Journal on the first business day of the preceding month. Once your draw request is disbursed, we will use the current Prime + Margin for the purpose of assessing and tracking accruing interest. While the margin will never change on your line-of-credit, the Prime index is a variable rate that can fluctuate through the life of the loan. Please note that your interest rate, and any subsequent rate change, applies to the entire balance on your line-of-credit. Rate listed as of November 1, 2011. Floor rate of 6.00%. KEMBA reserves the right to change rates for new applications at any time and without notice. Subject to credit qualification. Minimum draw of $1,000 and maximum draw of $75,000. KEMBA membership required.
www.kemba.studentchoice.org | 866.825.6586 | or stop by a KEMBA branch today
KEMBA Financial Credit Union is proud to offer the Credit Union Student Choice private loan solution to help you fill in the educational funding gaps.
When financial aid just isn’t enough, we can help!
We all know college funding can be a strain on the finances. That is why KEMBA is offering its Annual $2,000 Scholarship Competition once again. Applicants are required to answer questions and submit an essay about money management skills and establishing a stable financial future.
When you submit your KEMBA scholarship application, you are eligible to win not only KEMBA’s competition, but even more scholarship money! After KEMBA’s winner is selected, all entries will be forwarded to the Central Ohio Chapter of Credit Unions where you will have the opportunity to receive one of six $1,000 scholarships in their annual competition. That winner will advance to the state competition for a chance to be rewarded with more scholarship winnings.
The deadline for applications is January 27, 2012, so apply today!
Enter KEMBA’s 20th Annual $2,000 Scholarship Competition!
Visit our website at kemba.org for additional information and to download an application.
In addition to this scholarship opportunity,KEMBA offers our Credit Union Student Choice Program with lower rates than other “traditional” private lenders. Look inside this issue of Common Cents for details.
