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We’re here for you anytime you need a loan! CALL 24-HR. LOAN-BY-PHONE (920) 830-7200 OR 1-866-273-2328 ...OR GO ONLINE 24/7 WWW .COMMUNITYFIRSTCU.COM P.O. Box 1487 • Appleton, WI 54912-1487 POSTMASTER Please deliver no later than Jan. 18, 2008 PRSRT STD U.S. POSTAGE PAID GREENVILLE, WI PERMIT NO. 19 WINTER 2008 PC HOME BANKING • PC BILLPAYER • PC MORTGAGE • e-STATEMENTS www .communityfirstcu.com IS PUBLISHED QUARTERLY FOR MEMBERS OF COMMUNITY FIRST CREDIT UNION Moneyline COMMUNITY FIRST INSURANCE CENTER (920) 738-5474 1-800-779-1321 MEMBERS FINANCIAL SERVICES ® Investment Consultations (920) 830-7200 1-866-273-2328 TELLERPHONE 24-Hr. Audio Account Access (920) 830-7325 1-800-924-1550 PHONE CENTER Mon.–Fri., 7am-6pm; Sat., 7am-1pm. DRIVE-UP Mon.–Fri., 7am-6pm; Sat., 8am-noon LOBBY Mon.–Wed., 8:30am-5pm; Thurs. & Fri., 8:30am-6pm; Sat., 8am-noon Fox Valley Technical College – Appleton Campus, Entrance 10 (920) 830 - 7200 APPLETON 2626 S. Oneida St. 509 N. Richmond St. 2701 N. Ballard Rd. 455 S. Nicolet Rd. DARBOY W6089 Cty. Rd. KK GREENVILLE N1230 Cty. Rd. CB NEENAH 125 E. Forest Ave. 2300 Industrial Dr. (920) 966-2424 OSHKOSH 2424 Westowne Ave. (920) 684-7148 MANITOWOC 1100 S. 30th St. (715) 258 - 7462 WAUPACA 1006 Royalton St. (920) 982-6048 NEW LONDON 603 W. Wolf River Ave. (920) 525-1164 NICHOLS W5644 Cty. Rd. F Moneyline Q UARTERLY N EWSLETTER P UBLISHED F OR THE M EMBERS OF C OMMUNITY F IRST C REDIT U NION Please plan to attend the most important event of the year, the 33rd Community First Credit Union Annual Meeting. The annual meeting enables all CFCU member-owners to play an important role in our financial cooperative. Members will hear reports on the credit union’s financial condition, a review of accomplishments for 2007 and plans for the new year. Most importantly, members will have the opportunity to elect three candidates to the Board of Directors. Monday, February 11, 2008 Radisson Paper Valley Hotel College Ave., Appleton 6 p.m. Refreshments 7 p.m. Business Meeting “If I'm having a bad day when I walk into Community First, I'm always smiling when I walk out. That's how I feel from my heart. They always find a way.” Paul Fritsch Member-owner since 1992 Join us for the 33rd Annual Meeting Win a College Scholarship Community Corner • Jan. 24 – CAP Services “Golf Inside Outing” - Radisson Paper Valley Hotel Appleton. Tickets available at any of our branch locations. • Feb. 23 – Special Olympics Polar Plunge - Lake Winnebago, American Legion, Oshkosh. For more info, visit www .specialolympicswisconsin.or g . • Feb. 28 – Volunteer Center “Celebrity Waiter” Fund Raiser - Bridgewood Resort & Conference Center, Neenah. For more info, contact the Volunteer Center at (920) 832-9360. • Feb. thru March – Big Brothers/Big Sisters Bowl for Kids Sake sponsored by Community First - Oshkosh Lanes, Oshkosh, Feb. 28, March 12 & 22; Super Bowl, Appleton, March 6, 13, 14 & 15. To sign up your team contact Denise at (920) 739-3541. • March 15 -- The Housing Partnership, Artifacts on the Ave. , Appleton. 7-10 p.m. for more info call (920) 731-6644. Community First Credit Union is different from other types of financial institutions. We're a not-for-profit financial cooperative owned by our members. So when you choose to bank at Community First, you become an owner as well as a member . Unlike banks we're not in business to pay stockholders. We're in business for our members, dedicated to providing you with educational resources, lower loan rates, lower fees, and higher savings rates. We return our profits to YOU . A study by the Credit Union National Association for the year ending December 31, 2005, shows that the average household of a CFCU member saved more than $503 by using the credit union's products & services over area banks. Even better, the more products our members used, the higher the savings. This study illustrates the incredible value of being an active member of our financial cooperative. It's all about people, you're one of 76,000+ Community First member-owners who constitute the backbone of this financial cooperative – all working together in an effort to help every member enhance their financial well-being and their lives. I'm looking forward to using this space in future editions to answer your questions and share important information about your credit union. Best wishes for a Happy, Healthy and Prosperous New Year! In honor of our 33rd year, we’re giving away $3,300 in cash ! Change in Checking Overdraft Fees You are Community First FREE round trip bus transportation from Waupaca, New London, Oshkosh, Nichols, and Manitowoc will be available for members to and from the meeting. The bus will depart from each location at 5:30 p.m. Call or visit one of these branches by February 4 to sign up for transportation. Call for Candidates: Any member interested in running for the board is encouraged to apply. For more information please contact Catherine Tierney at (920) 830-7220 or [email protected] by January 28, 2008. A Message from the MEMBERS Financial Services Program † † Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll- free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. Is Your Retirement Plan on Track? Are you up-to-date on all the tax-favored retirement savings options? And are your retirement investments adequately diversified? Whether your retirement is far off or just around the corner, now's the time to get answers to all these questions and to put your retirement plan on track. Here's how to get started: Estimate your retirement income and expenses. The standard advice used to be that for each year in retirement you'd need about 70% to 80% of your pre-retirement expenses. But with longer life expectancies and more active retirement lifestyles, this traditional formula may leave you short. So take the time to make a more accurate estimate. Make the most of your employer-sponsored retirement plan. If you have access to a tax- favored employer-sponsored retirement plan, such as a 401(k), a 403(b) plan, or a 457 governmental plan, make every effort to contribute the maximum allowed. With these plans you don't have to pay income taxes on the amount you contribute until you make withdrawals, and your earnings grow on a tax-deferred basis. Contribute to an IRA. Boost your retirement savings by starting an IRA or adding to your existing one. With a Roth IRA, if you're eligible to contribute and if you meet the specified withdrawal conditions, you can withdraw your earnings free from federal income tax. With a traditional IRA, you don't have to pay income taxes on your earnings until withdrawal, and if you're eligible, you can make tax-deductible contributions. Invest wisely. Evaluate your current investment mix and set your target asset allocation plan. Dividing your money among the different types of assets is a time-tested way to help reduce risk, as well as a way to smooth out your portfolio's ups and downs. Located at Community First Credit Union † For more information, contact Bill Bargholtz or Jason Buchinger at (920) 830-7200 or 1-866-273-2328. Do you know how much you can expect from Social Security in retirement - or from any pension plan you have? Or how much you need to save to make up the shortfall in your desired retirement income? Lyle Parins Licensed Sales Associate Bill Bargholtz & Jason Buchinger Representatives Registered through CUNA Brokerage Services Q – What is MFA? A – MFA or Multi-Factor Authentication is our state-of-the-art security system for PC Home Banking. It helps to validate for our systems that you are authorized to access your accounts. It also validates for you that you have accessed Community First’s website by displaying a photo and phrase combination, called a PassMark, that you have chosen, each time you login. Q&A: Your Answers to Questions about PC Home Banking Q – When will I be asked my security questions? A – PC Home Banking allows you to register the computer(s) that you use most often to access your accounts. If you use a different computer, you will be asked one of the security questions you have provided in order to verify your identity. If you have any questions about PC Home Banking, please contact us at (920) 830-7200 or toll-free at 1-866-273-2328. If you're a high school senior and a Community First member, you are eligible to write an essay for a chance to win one of four $1,000 scholarships awarded by the Fox Cities Chapter of Credit Unions. Essays must address this topic: You've just been elected President of the New Millennium Credit Union. Your target membership is young adults between 16-28 years of age. Tell us what your plan will be to attract new members and meet their needs. Entry form and original essay of 750 to 1,000 words must be received by Mar ch 24, 2008 . For complete contest rules, forms, and eligibility requirements, visit www .communityfirstcu.com/cuessay .html . Beginning February 18, 2008 , overdraft fees will be raised from $22.00 to $25.00. Remember, all of our checking accounts still include an overdraft protection transfer from savings for only $12.00 per occurrence. If you have any questions, please call (920) 830-7200 . NEW! Enjoy Unlimited FREE Check Card Transactions Beginning February 1. 2008, we’re eliminating the PIN Transaction fee to make using your CFCU checking account and Check Card more convenient and more affordable! The change is in response to your feedback in our member survey. Now you can use your Check Card as often as you like with your signature or your PIN. Important Account Information! A Message From The President Catherine J. Tierney
