LOWER PAYMENTS - Hudson Heritage Federal Credit Union
LOWER PAYMENTS - Hudson Heritage Federal Credit Union
LOWER PAYMENTS - Hudson Heritage Federal Credit Union
Create successful ePaper yourself
Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.
36671-NEWS-0911<br />
Highlights<br />
FALL NEWSLETTER 2011<br />
Enjoy LOW RATES,<br />
<strong>LOWER</strong> <strong>PAYMENTS</strong><br />
and CASH REWARDS!<br />
Move Your Loans<br />
to <strong>Hudson</strong> <strong>Heritage</strong><br />
At <strong>Hudson</strong> <strong>Heritage</strong> <strong>Federal</strong> <strong>Credit</strong> <strong>Union</strong>, we help our<br />
members save money every day. Now, when you make an<br />
appointment for a financial checkup, one of our Financial<br />
Service Representatives will review your credit score and<br />
your current loans, and show you how we can save you<br />
interest charges when you move your loans to us.<br />
For every loan you refinance<br />
with us, we’ll<br />
$20!<br />
reward you with<br />
*<br />
EQUAL HOUSING<br />
LENDER<br />
HURRY! THIS IS A LIMITED-TIME OFFER!<br />
Visit: MoveYourLoans.com or Call: 845.561.5607<br />
*Minimum loan amount of $2,500 required to receive $20 rebate. Loans paid off and closed prior to 180 days will be subject to the addition of the cash rebate amount to the payoff balance. Rebate will be given to the<br />
member in the form of a check or deposit into members HHFCU savings or checking account after the loan is booked. This is a limited time offer and can end at any time. All offers of credit are subject to credit approval.<br />
HOW TO REACH US: 845.561.5607 | www.HHFCU.org
PRESIDENT’S MESSAGE<br />
<strong>Hudson</strong> <strong>Heritage</strong>: Strong. Stable. Secure.<br />
Bank bailouts in the last few years,<br />
coupled with our country’s recent<br />
credit downgrade at the hands of<br />
Standard & Poor’s have subjected<br />
financial institutions to much scrutiny by<br />
both the media and ratings agencies.<br />
Even the credit union industry finds itself<br />
under a watchful microscope.<br />
While nearly 400 banks have failed since the economic downturn<br />
in 2007, fewer than 100 credit unions nationwide have failed,<br />
and over 80% of credit union assets are held by very strong<br />
credit unions. Overall, 94% of credit unions, holding 96% of<br />
credit union assets, are well-capitalized.<br />
I’m proud to say that you can count on <strong>Hudson</strong> <strong>Heritage</strong> <strong>Federal</strong><br />
<strong>Credit</strong> <strong>Union</strong> to be among the strongest of credit unions. We are<br />
safe, secure and strong, with a full 71 years of success behind us.<br />
Despite our country’s recent credit downgrade status, our<br />
accounts are insured up to $250,000 and backed by the full<br />
faith and credit of the U.S. government.<br />
We have never needed a taxpayer bailout, we continue to<br />
serve you by providing sound financial solutions and benefits.<br />
Most importantly, we’re here to stay! In fact, we’re growing. This<br />
fall, we’ll host the grand re-opening of our new and improved<br />
branch in Montgomery to better serve your needs. Please watch<br />
for more details on upcoming celebrations.<br />
Sincerely,<br />
Michael Ciriello<br />
President & CEO<br />
INTRODUCING: DIANE P. FEENEY,<br />
OUR NEW CERTIFIED FINANCIAL PLANNER<br />
Diane Feeney’s financial services career<br />
has spanned more than 25 years.<br />
Her commitments to service, sound<br />
advice, and integrity have helped hundreds<br />
of members plan for a better financial<br />
future. Diane is experienced in Retirement Planning, Wealth<br />
Accumulation, Asset Protection and Estate Planning. She is also<br />
certified by the New York State Insurance Department as an<br />
approved Long Term Care and Life Insurance professional.<br />
personally with members, Diane will also conduct a number of<br />
free, educational seminars and workshops on timely topics.<br />
Diane is enrolled in the CFP Program, CERTIFIED FINANCIAL<br />
PLANNER. The CFP BOARD is the professional regulatory<br />
organization acting in the public interest by fostering<br />
professional standards in personal financial planning. The<br />
CFP Board establishes and enforces education, examination,<br />
experience, and ethics requirement for CFP. Diane has resided<br />
in the <strong>Hudson</strong> Valley for over 45 years.<br />
Diane’s mission is to offer you personalized options that allow<br />
you to make informed financial decisions. In addition to meeting<br />
E-Services Mean Maximum Convenience<br />
If you’re looking to save time and hassle, consider using our electronic services<br />
(e-services) which includes Virtual Branch, e-Statements and Electronic Bill Pay.<br />
E-services are available 24 hours a day, seven days a week, so you can manage<br />
your finances on your schedule and in the comfort of your own home.<br />
E-services also are a great way to monitor your finances, because you can access<br />
your personal information on our secure Web site. E-services are safe and secure<br />
and, in addition, they improve efficiency and timeliness.<br />
Contact us at 845.561.5607 to find out more about online services for<br />
your convenience.
COMMUNITY NEWS<br />
From left to right:<br />
Samantha Marino,<br />
Melissa Marino, Christine Marino<br />
and Angelica Marino<br />
of Wallkill, NY<br />
HHFCU & YOU<br />
FEEDING AND CLOTHING<br />
NEEDY FAMILIES<br />
As winter approaches, we’re asking for your<br />
help to feed and clothe area residents who<br />
need assistance. The demand has never<br />
been greater.<br />
A Visit to Our New Walmart<br />
Branch Pays Off<br />
Starting October 3, 2011 we’ll partner with the<br />
Regional Economic Community Action Program, Inc<br />
(RECAP) to collect canned goods and gently used<br />
coats at any of our ten locations. All donated items<br />
are distributed to the needy through RECAP.<br />
Meet the Marino’s, grand prize winners at the grand opening of our Newburgh<br />
Walmart branch. Mrs. Marino reacted with delight, “I never won anything in<br />
my life! How great!” She loves being able to bank at our in-store branch in<br />
Walmart. She used to bank at Corwin Court but loves the convenience it<br />
affords her. She runs a daycare business and is always at Walmart picking<br />
up snacks there. Her daughters were equally<br />
excited… notice who is holding the iPad, her<br />
11-year-old daughter!<br />
Mr. Feldman was able to make a convenient<br />
stop into our Newburgh Walmart branch after<br />
running some errands in the Walmart Supercenter.<br />
Not only was he surprised at the<br />
convenience of in-store banking, but also by<br />
the exciting news that he was the grand prize<br />
winner of a 40” Toshiba HD LCD television!<br />
Mr. Feldman was thrilled about the prize,<br />
looking forward to enjoying movies at home<br />
with his family and friends.<br />
From left to right: Louis Feldman, JoAnn Glatt;<br />
Louis Feldman won a 40” Toshiba HD LCD Flat<br />
Screen Television.<br />
Cash for Coins is FREE and Easy!<br />
We’ve just installed a coin machine at our<br />
Rykowski location so you can turn your loose<br />
coins into cash. It’s easy and hassle-free!<br />
Just bring in your coins and pour them into<br />
the machine to receive your cash voucher.<br />
Then, redeem the voucher at the teller line<br />
in exchange for dollar bills or deposit it into<br />
your account. If you stop in to use this new<br />
service, one of our team members will be<br />
happy to help you through the process.<br />
HHFCU SUPPORTS<br />
COLLEGE BOUND SENIORS<br />
2012 COLLEGE SCHOLARSHIP information and<br />
applications will be available on our website<br />
beginning in October, 2011.<br />
Eligible students who complete the application and<br />
essay will be entered into both the HHFCU and<br />
state–level scholarship competitions with a single<br />
application.<br />
Visit www.HHFCU.org for details.<br />
*This service is free for members only. Non-members will be charged a nominal fee for use of the<br />
coin machine, which will be deducted from their cash redemption. Non-members can join HHFCU<br />
to receive this free service.
GIVING CREDIT<br />
Save with<br />
for More Money in<br />
Your Pocket.<br />
Join the 700,000 credit union members nationwide that are already<br />
saving over $43 million on their wireless plans! <strong>Hudson</strong> <strong>Heritage</strong> is pleased<br />
to bring our members these major savings through the Sprint <strong>Credit</strong> <strong>Union</strong><br />
Member Discount Plan. Ways you can save:<br />
• 10% off most regularly priced Sprint individual service plans<br />
• 15% off most regularly priced Sprint business service plans<br />
• Waived activation fee on new activations<br />
• Waived upgrade fee<br />
• Available to new and existing Sprint customers<br />
Enjoy the perks, benefits and exclusive discounts that only credit union<br />
members like you can receive.<br />
3 WAYS TO GET YOUR DISCOUNT:<br />
• Call 877.SAVE.4CU (877.728.3428) and let them know you’re<br />
a credit union member. Ask to be a part of the NACUC_ZZM<br />
Corporate ID to save<br />
• Click www.SprintSave4CU.com<br />
• Visit your nearest Sprint store<br />
MAKE HOLIDAY<br />
PURCHASES WITH YOUR<br />
VISA ® PLATINUM CREDIT CARD<br />
If the holiday season puts you low on cash, consider the<br />
benefits of our VISA® Platinum card. Apply now, and when<br />
you’re approved you can pay over time and still enjoy a<br />
lower interest rate. It’s purchasing power when you need it.<br />
An HHFCU VISA® Platinum credit card also helps you build<br />
your credit history and is ideal to consolidate and transfer<br />
all your other credit card debt. Call us for details.<br />
TURN UP THE HEAT!<br />
WINTER HEATING LOAN<br />
AS LOW AS<br />
6.99 % APR 1 • MINIMUM LOAN<br />
AMOUNT $500<br />
• TERMS: UP TO<br />
24 MONTHS (2 YEARS)<br />
1. APR is Annual Percentage Rate. All extensions of credit are subject to credit approval. Rates as low as 6.99% APR with 24 month term. All<br />
rates quoted included a 1.00% reduction for members who pay their loans through automatic transfer from a share or share draft account.<br />
Rates shown are lowest rates offered for the loan product advertised. Actual rate may vary based on credit worthiness. Applicants that are not<br />
approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. Minimum loan amount of $500 to<br />
qualify for these rates and terms. All terms are subject to change without notice. This is a limited time offer which may be withdrawn at any time.
MORTGAGES 101<br />
FREE SEMINAR<br />
Home is where the heart is, and with mortgage rates at historic lows, there’s<br />
no better time to learn about financing opportunities.<br />
Join us at one of our FREE Mortgage Seminars in October. We’ll show you<br />
how you can take advantage of the current buyers market. If you are thinking<br />
about purchasing your first home, moving into a larger one, or maybe you just<br />
need to sort out any credit issues you may have, our Mortgage Specialist will<br />
help you through the transition.<br />
The seminars are FREE, and light refreshments will be provided.<br />
FREE MORTGAGE SEMINARS<br />
Seating is limited and fills quickly. Call now to reserve: 845.561.5607<br />
THURSDAY, OCTOBER 13, 2011; 6:30PM – 8:00PM<br />
25 RYKOWSKI LANE, MIDDLETOWN, NY<br />
THURSDAY, OCTOBER 27, 2011; 6:30PM – 8:00PM<br />
2 CORWIN COURT, NEWBURGH, NY<br />
ALTERNATIVE LOAN<br />
SOLUTIONS<br />
<strong>Hudson</strong> <strong>Heritage</strong> now offers alternative<br />
loan options to assist people with new<br />
home purchases or refinancing existing<br />
homes. Our partnership with Homeowners<br />
Advantage allows us to offer FHA, VA, and<br />
USDA loans.<br />
FHA (<strong>Federal</strong> Housing Administration)<br />
mortgages are ideal for first-time homebuyers<br />
and may not require as large a down-payment<br />
as conventional mortgages. There are additional<br />
benefits for individuals who may not otherwise<br />
qualify for a traditional home loan.<br />
VA loans are available to eligible veterans<br />
and feature attractive financing options and<br />
other benefits. USDA loans offer flexible<br />
financing for lower-income borrowers.<br />
To learn more, attend one our<br />
FREE Mortgage Seminars in October.<br />
If you need a loan we’re<br />
standing by. We’ll walk<br />
you through the loan<br />
application or you can<br />
apply online and have a<br />
representative call you at<br />
your convenience. You may even be eligible for<br />
instant approval.<br />
EQUAL HOUSING LENDER
Personalized Banking:<br />
It’s Our Promise<br />
Whenever you do business with us our positive, can-do attitude and<br />
commitment to professional excellence shines. We’ll greet you with a warm,<br />
friendly smile and treat you with the utmost respect. With each interaction,<br />
we’ll leave no doubt in your mind that our team at <strong>Hudson</strong> <strong>Heritage</strong> is highly<br />
service driven.<br />
YOUR MONEY: FREE & EASY<br />
The CO-OP Network gives you<br />
SURCHARGE-FREE access to 28,000<br />
ATMs throughout the US and Canada.<br />
Find one wherever you are:<br />
• ONLINE: click to www.hhfcu.org<br />
• BY PHONE: text your address, intersection or<br />
zip code to 692667 (MYCOOP)<br />
*Standard text messaging rates may apply through your provider)<br />
• iPhone: download the FREE CO-OP ATM<br />
iPhone app from the iTUNES store.<br />
• GPS: Download the database to your<br />
Garmin®, Tom Tom® or other GPS<br />
device here at http://poiplaza.com<br />
Note: Surcharges should not occur when withdrawals are made through the CO-OP<br />
Network. However, some ATM machines may indicate a fee notice on the screen when<br />
your transaction is being processed. To verify a surcharge was not charged, please<br />
check your receipt. The receipt will show any surcharge as it will be added to the total<br />
withdrawal amount. Please contact us immediately if a surcharge does occur.<br />
BOARD OF DIRECTORS<br />
Chairperson<br />
Paul Zalanowski<br />
Vice-Chairperson<br />
Thomas Houston<br />
Treasurer<br />
Virginia Wilson<br />
Secretary<br />
Kenneth Affeldt<br />
DIRECTORS<br />
Michael Mahar<br />
Kent Hottinger<br />
Gerard Amoroso<br />
Robert Gould<br />
Stanley Goldberg<br />
Robert Van Dusen,<br />
Director Emeritus<br />
Branch Locations, Hours & ATMs<br />
NEWBURGH<br />
2 Corwin Court<br />
LOBBY<br />
DRIVE-UP<br />
MONDAY - WEDNESDAY 9:00AM - 5:00PM 8:30AM - 5:00PM<br />
THURSDAY - FRIDAY 9:00AM - 6:00PM 8:30AM - 6:00PM<br />
SATURDAY 8:30AM - 2:00PM 8:30AM - 2:00PM<br />
24 HOUR ATM<br />
Walmart Supercenter In-Store Branch, 1201 Route 300<br />
MONDAY - FRIDAY 9:00AM - 7:00PM<br />
SATURDAY<br />
9:00AM - 5:00PM<br />
24 HOUR ATM<br />
GOSHEN<br />
Department of Public Works Bldg., Route 17M<br />
MONDAY - THURSDAY 8:30AM - 4:30PM<br />
FRIDAY<br />
8:00AM - 4:30PM<br />
MIDDLETOWN<br />
25 Rykowski Lane<br />
MONDAY - WEDNESDAY<br />
THURSDAY - FRIDAY<br />
SATURDAY<br />
24 HOUR ATMs<br />
42 Jason Place<br />
MONDAY - WEDNESDAY<br />
THURSDAY-FRIDAY<br />
NEW PALTZ<br />
9:00AM - 5:00PM<br />
9:00AM - 6:00PM<br />
8:30AM - 2:00PM<br />
9:00AM - 5:00PM<br />
9:00AM - 6:00PM<br />
243 Main Street, Suite 160<br />
MONDAY - THURSDAY 9:00AM - 5:00PM<br />
FRIDAY<br />
9:00AM - 6:00PM<br />
SATURDAY<br />
8:30AM - 2:00PM<br />
24 HOUR ATM<br />
SUPERVISORY COMMITTEE<br />
Chair<br />
William Wiseman, Jr.<br />
Sandra Gerow<br />
James Williams<br />
Loretto Kennedy<br />
Robert Sassi<br />
OPERATIONS<br />
President & CEO<br />
Michael J. Ciriello<br />
Executive Vice President<br />
& COO<br />
Ray F. Litchfield<br />
HARRIMAN<br />
Old Glory Mall, 95 Maher Lane, Ste. 9<br />
MONDAY - THURSDAY 9:00AM - 5:00PM<br />
FRIDAY<br />
9:00AM - 6:00PM<br />
24 HOUR ATMs<br />
WASHINGTONVILLE<br />
131 East Main Street<br />
LOBBY<br />
DRIVE-UP<br />
MONDAY - THURSDAY 9:00AM - 5:00PM 9:00AM - 5:00PM<br />
FRIDAY 9:00AM - 6:00PM 9:00AM - 6:00PM<br />
SATURDAY 8:30AM - 2:00PM 8:30AM - 2:00PM<br />
24 HOUR ATM<br />
SUNY Campus - Lower Level of Haggerty<br />
Administration Building, 1 Hawk Drive<br />
MONDAY - FRIDAY 9:00AM - 5:00PM<br />
ATM Located in Student <strong>Union</strong> Building, available during open building hours<br />
MONTGOMERY<br />
17 Walnut Street<br />
MONDAY - FRIDAY<br />
SATURDAY<br />
7:00AM - 5:00PM<br />
8:30AM - 2:00PM<br />
MEMBER SERVICE CENTER HOURS<br />
MONDAY - FRIDAY<br />
SATURDAY<br />
8:00AM - 7:00PM<br />
8:30AM - 2:00PM<br />
Chief Financial Officer<br />
Deborah Dulisse<br />
Vice President of Lending<br />
Anthony Kurdziel<br />
Vice President of Marketing<br />
Nancy Perkins<br />
HOLIDAY CLOSING CALENDAR<br />
Columbus Day, Monday, OCTOBER 10, 2011 • Tuesday, NOVEMBER 8, 2011 - Election Day: Goshen is Closed - All other branches are open<br />
Friday, NOVEMBER 11, 2011 - Veteran’s Day • Thursday, NOVEMBER 24, 2011 - Thanksgiving Day<br />
Friday, DECEMBER 23, 2011 - Christmas Eve Observed: Goshen Closes at 12pm - All other branches are open<br />
Saturday, DECEMBER 24, 2011 - Christmas Eve: Early Closing - All Saturday hour branches close at 1pm • Monday, DECEMBER 26, 2011 - Christmas Day Observed<br />
Friday, DECEMBER 30, 2011 - New Year’s Eve Observed: Goshen Closes at 12pm - All other branches are open<br />
Saturday, DECEMBER 31, 2011 - New Year’s Eve: Early Closing - All Saturday hour branches close at 1pm • Monday, JANUARY 2, 2012 - New Year’s Day Observed<br />
<strong>Federal</strong>ly Insured<br />
by NCUA<br />
HOW TO REACH US: 845.561.5607 | www.HHFCU.org<br />
EQUAL HOUSING<br />
LENDER
Change language