51035 - Q4NL - 1215Winter 2016

HOLIDAY CLOSINGS: Beach Municipal Federal Credit Union will be closed in observance

of the following holidays:

Take a BiteOut of Your

Fixed APR*

BALANCE TRANSFER RECIPEFrom the Kitchen of: Beach Municipal FCU• NO TRANSFER FEES!• 4% Fixed APR*• Beach Municipal FCU Credit Card

• Balance Transfer Form

Ingredients:Directions:

1. Transfer any high-interest balance to a Beach Municipal FCU Credit Card between January 1st and March 31st.2. Enjoy a low 4% APR* through the March

2017 billing cycle with no balance transfer fees. Perfect for all those holiday bills!

* APR = Annual Percentage Rate. Some restrictions apply. Please see a loan officer for details.

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Monday, February 15 Presidents’ Day

Monday, January 18 Martin Luther King, Jr. Day

The Virginia Aquarium is focused on conservation: protecting animals and the environment. The Virginia Aquarium focuses on conservation by:

• Educating visitors about animals and the environment• Providing amazing exhibits, including more than 10,000

animals• Conducting research and responding to stranded marine

mammals and sea turtles, rehabilitating and releasing many animals each year.

You can get started saving your coins for the Virginia Aquarium Coins for Conservation program today!

• Make a bank to collect coins. Be creative as you reuse! You can use an empty box, like a cereal box. You could also make a box by folding scrap paper or use a clean, empty juice bottle. You could even use an old shoe!

• Decorate your bank. Add whatever decorations make you happy. You might add pictures of animals or a drawing of your favorite outdoor space, like the beach or the park.

• Start saving your coins. Every penny counts, and those pennies add up quickly!

• Track your money as you put it into your bank. Pick up your Register at the Credit Union, complete the contact information on the front of the Register and start tracking the coins that you add to your bank.

• Share your coins with the Virginia Aquarium by delivering them to the Credit Union, along with your completed Registration. You can find out exactly how much money you saved for the Aquarium, and you can get a prize!

Save your coins NOW through May 31, 2016.Deliver your coins and your register to Beach Municipal Federal Credit Union by May 31, 2016. We'll count your coins and tell you how much you are donating to the Virginia Aquarium!

The Top Saver in each age group will win:• Two Virginia Aquarium admission passes• Beach Municipal Federal Credit Union Prize Pack• Small plush sea turtle• Name listed on Virginia Aquarium website

One SUPER SAVER Grand Prize will be awarded in June 2016 to the top overall saver, regardless of age group.The SUPER SAVER Grand Prize includes:

• Virginia Aquarium Crab Membership• Behind-the-scenes sea turtles experience for four• Helping to return a rehabilitated sea turtle to the ocean• Naming a baby sea turtle on exhibit• Movie tickets & Busch Gardens tickets, and more!

For more information about the Coins for Conservation program, please email AStrickla@VirginiaAquarium.com or call 757.385.0262.

COINSFOR

CONSERVATIONYou can help the Virginia Aquarium protect animals

and the environment by saving your coins.

Visit VirginiaAquarium.com or call (757) 385-0262 for more information.

For information on how to start saving visit VirginiaAquarium.com/Contribute

will be awarded tothe top savers!

PRIZES

Are you WILD about animals? Beach Municipal FCU and The Virginia Aquarium & Marine Science Center are wild about animals, too! You can help the

Virginia Aquarium protect animals and the environment by saving your coins and donating them to the Aquarium.

Prizes will be awarded to the Top Saver in each of the following age groups:5 years-old and younger • 6 to 9 years-old • 10 years-old and up

Important Tax Information Be sure to save your December 2015 statement for tax purposes. It contains year-end totals of dividends earned on shares and interest paid on loans. You will only receive a 1099 if you earned $10 or more in dividends in 2015, and you will receive a 1098 only if you paid $600 or more in mortgage interest.

Should you have questions or if we can be of further assistance, please do not hesitate to contact us.

FINANCIAL REST AREANEXT EXIT

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Invest in Yourself. Register Today!www.BankOnHR.org • 757.943.9652

Tired of livingPaycheck

Paycheck?to

New Jerusalem COGIC118 Bishop Thoroughgood Ave2nd Saturday, 9:30 – 11:00 am

Starting January 9

Municipal Center, Building 14 Conference Room2nd Wednesday, 12:00 – 1:00 pm

Starting January 13

Enoch Baptist Church5641 Herbert Moore Road

3rd Thursday, 6:00 – 7:30 pmStarting January 21

Virginia Beach TCCJoint Use Library

1700 College Crescent4th Tuesday, 6:30 – 8:00 pm

Starting January 26

January 2016 Classes

Beach Municipal Federal Credit Union 2016 Education

Scholarship Program Beach Municipal FCU strongly believes in giving back to the community and its members, which is why we are excited to once again offer our Beach Municipal Federal Credit Union 2016 Education Scholarship Program.

Each year, your Credit Union offers two $2,500 education scholarships to students who are members of the Credit Union.

Applicants may fall into one of two categories: • Graduating high school senior (or equivalent)

who has been accepted to and will attend an accredited college, university or trade school after graduation.

• Currently enrolled undergraduate student in good standing of an accredited college, university or trade school.

To be eligible for this scholarship program, applicants must:

• Be no older than 23 years of age at time of application

• Be a member of Beach Municipal Federal Credit Union for a minimum of six months with an active account in good standing prior to application (joint owner status does not qualify)

• Have a minimum grade point average of 3.0 on a 4.0 scale or equivalent as of March 31, 2016, or as of the most current official transcript available 

• Complete a scholarship application • Submit three letters of recommendation and

copies of SAT/ACT scores• Submit an original essay of no less than 700 words

and no more than 750 words on the topic of “What role has Beach Municipal FCU played in your past, and what role do you see it playing in your future?”

Applications with full details and requirements will be available at each Beach Municipal FCU branch beginning February 1, 2016. Application packets must be completed in their entirety and returned to the Credit Union by the close of business, April 15, 2016. Any incomplete applications will be disqualified. All applications and essays become the property of Beach Municipal Federal Credit Union and will not be returned.

Inclement Weather Policy The winter season is upon us, and with it comes the risk of inclement weather. At Beach Municipal Federal Credit Union, we value your safety as well as your business. In the event of severe weather, your Credit Union will close. We will make every effort to re-open as soon as possible. Before venturing out in inclement weather, please call 757.333.7787 for our hours of operation.

DownloadYours Today!Now Available on the

Apple and AndroidMobile App Stores!

The new Beach Municipal FCU Mobile App allows you the

freedom to safely and securely access all of your accounts, transfer funds and more from

anywhere on your mobile device.

Transfer Funds

View Accounts

Find Branch/ATM Locations

757.333.7787 • beachmunicipal.org

iPhone/iPod/iPad

Android

The App is free to download and install.

Mobile AppIntroducing theBeach Municipal FCU

PROTECT YOUR IMPORTANT DOCUMENTS IN A SAFE DEPOSIT BOX

Resolve to get organized in 2016 by keeping family birth certificates, wills, real estate and tax documents, along with other valuables in a Safe Deposit Box. Safe Deposit Boxes can only be opened by the person to whom it has been rented. You’ll rest easy knowing everything is in one secure location, safe from fire, floods and burglary.

SAFE DEPOSIT BOXES ARE AVAILABLE IN MULTIPLE SIZES:

For questions regarding your Safe Deposit Box or to take advantage of this service, please contact a Member Services Coordinator.

Annual Safe Deposit Box Renewal Notice Annual Safe Deposit Box rental fees for 2016 will be automatically debited from your account on January 15, 2016.

3x5 - $22 annually5x10 - $55 annually

3x10 - $44 annually10x10 - $75 annually

(available at the Marketplace location only)

Congratulations to Your

Board of Directors A special thank you to all members and staff who attended Beach Municipal FCU’s Annual Meeting held on Wednesday, December 2nd, at our Thalia branch.

Congratulations to William (Bill) Meador and Charity Stone, both of whom were re-elected to serve on your Board of Directors.

Nianza Wallace was chosen by his fellow Board members to once again serve as Chairman. Bill Meador is Vice Chairman, Lois Ritger will remain Secretary and Robert W. Hall is Treasurer.

On behalf of the Credit Union and its members, we would like to thank the volunteers for the time and dedication they give our Credit Union.

William (Bill) Meador

Charity Stone