We Believe in Community Making Miracles Happen - Texoma ...

Community
Connection
INSIDE THIS ISSUE
Summer 2011
■ Vacation Loans
Play Now. Pay Later. .........1
■ Mansur’s Answers............2
Changes in Social
Security Payments
■ Snail Mail Slowing you
Down?...........................2
■ Rainy Day .......................2
■ Website Up and
Running...........................2
■ Coming Soon..................2
■ We Believe in Community
■ Clothing Drive.............3
■ Making Miracles
Happen ......................3
■ Negative Verification
of Accounts......................4
■ What the Feds Want
us to Tell You.....................4
■ Events and Closings..........4
Vol. 59, Issue 2
TCCU staff chipping in for
The Children’s Miracle Network Telethon
Vacation Loans
Play Now. Pay Later.
You’ve worked hard all year. It’s time to take a break and beat the Texoma heat.
Ask about our Vacation Loans. Now until August 15, we’re offering great rates
as low as 5.9% for those who qualify. You can take as long as 60 months to pay
off the loan and take up to 60 days to make your first payment.
While you’re on vacation remember to snap a few photos, and put them on your
Facebook page. If you tag TCCU in your album you will automatically be entered
in a contest to receive an interest refund. The member with the best Facebook
vacation album will be refunded a year’s worth of interest. Second place will
receive a 6 month interest refund. There are a few guidelines to follow: you must
be in good standing and be a fan of the TCCU Facebook page. For other conditions
please speak with a loan officer and get ready to relax on your TCCU
funded vacation.

Changes in Social
Security Payments
There’s a new rule affecting retirees who
apply for Social Security benefits this year.
According to the new guidelines, anyone
applying for the benefits on or after
May 1, 2011 will no longer have the
option of receiving a paper check in the
mail. Take advantage of the safety and
convenience of our direct deposit option.
Seniors have two options to receive their
benefits:
1) have their payments loaded onto a
prepaid Direct Express Debit
MasterCard, or
2) have payments directly deposited into
your TCCU account.
We recommend that you consider the
direct deposit option. This option will also
help you qualify to receive a 3.51%
Annual Percentage Yield (APY) when you
enroll in our Ultimate Rewards Checking
account. That’s a higher yield than you
would get on most Certificates of Deposits.
The move away from checks will provide
“significant savings to taxpayers who will
no longer incur the annual $20 million
price tag associated with paper checks.”
It is also anticipated to save Social Security
$1 billion over the next 10 years (I’m not
holding my breath).
If you are a retiree already receiving paper
checks, you have until March 1, 2013 to
switch to the prepaid debit card or direct
deposit options. Why wait until then? You
can start earning our 3.51% APY now
when you open and qualify for the Ultimate
Rewards Checking.
We are glad to know the federal
government is looking at ways to finally
tighten its financial belt. Let TCCU take this
opportunity to help you earn more from
your benefit payment.
2
Mansur’s Answers
Snail Mail
Slowing you
Down?
They call it snail mail for a reason. The race
between snail mail and electronic mail isn’t
like the tortuous and the hare fable. Our pal
the snail will never win, and unfortunately he
could get you into a hairy situation.
You have probably heard of the security risks
of using “snail mail.” When your statement
sits waiting in your mailbox, your account
becomes vulnerable. Unfortunately, we live
in times of identity theft and your valuable
information now needs to be safe and
secure. If that’s not enough reason to sign
up for E-Statements, the recent changes to
local USPS mail delivery is another.
Wichita Falls Post Office will no longer
process mail that is delivered after 3pm until
the next day. Depending on when our
statement processor sends the mail out, your
statement could be delayed. But that’s not
the only delay you should expect when
receiving your statement via snail mail. The
closure of the USPS Hatton Road facility
means that your statement could be delayed
an additional 2 days. Your valuable
information will now have to travel from
Wichita Falls to Fort Worth, then back to
Wichita Falls before ever arriving in
your mailbox.
Want to speed things up? Sign up for
E-Statements through our online banking
system or with one of our Member
Service Representatives. Your statement
will be delivered the next day, safely and
securely to your email account. Stop
waiting for the snail to deliver your mail.
Sign up for E-Statements.
Website Up and Running
Have you had a chance to check out the
new TCCU website? We are thrilled to
offer members a user friendly site that is
both fun and informational. The site is
mobile compatible to make your account
management simple and quick when
using your mobile device. Did you know
you can customize the site to fit your own
personality? Check out the “choose a
theme” link directly above the login area.
You can make the
site pink, patriotic, or
even MSU-themed.
Have fun!
www.TexomaCU.com
Rainy Day
Are you one of the half of
Americans who say they
would not be able to
come up with $2,000 in the event of a
minor financial emergency? About half of
those reading this article aren’t prepared
for a minor financial emergency. That’s
according to a recent study by the National
Bureau of Economic Research.
If you find yourself needing some help, give
Texoma CU a call. In most cases we can
help you finance the unexpected like home
repairs, large medical bills or legal expenses
through a signature loan. We will work
with you to get a competitive rate which
many times is lower than what you pay on
your credit card.
So, where do you fall in the study? 28 percent
said they "certainly" would not be able to
cope with an unexpected $2,000 bill if they
had to come up with the money in 30 days,
and another 22 percent said they "probably"
would not be to able to cope. Only a fourth
of those surveyed would be able to come
up with the funds.
How would you fund the unexpected?
Coming Soon...
TCCU members will soon have a new way
to manage their finances. Money Desktop
is coming to our credit union and the
service will be 100% free. Members will
be able to track their spending, deposits,
loan payments, even credit cards with this
new software. The software is a one-stopshop
for debt elimination, financial management,
and money-saving opportunities.

We Believe in Community
(Left to Right) Receptionist Kathy Kelley, Branch Manager Tom Cale,
Head Teller Kayla Pendergrass, and Marketing Director Rachel Wheat
are all smiles after loading up donated clothes.
Making Miracles Happen
Clothing Drive
A last minute clothing drive to benefit victims of the recent
Texoma wildfires turned out to be a huge success. Thanks
to the generosity of our members and others, TCCU was
able to pack a 14 foot U-Haul with donations for Faith
Mission. “I was beginning to think we wouldn’t be able to
fit it all in there. It’s a good challenge to have,” Head Teller
and clothing drive coordinator Kayla Pendergrass said.
TCCU also sent baked goods from Dream Bakers to all the
Wichita Falls Fire Stations as a way to show our support
and thanks to all our local Firefighters. We also provided
meals to the firefighters battling the Possum Kingdom fire.
“It’s efforts like these that make Texoma Community Credit
Union and our members stand out above other financial
institutions,” Marketing Director Rachel Wheat said.
With the help of our members, Texoma Community Credit Union is making miracles happen for some local children. In May
TCCU staff presented an $8,000 check to local Children’s Miracle Network specialist
Suzanne Stone.
Every penny of the donation will stay in the Texoma community, and is used at United
Regional Health Care System. “Just in 2010 alone over 2100 children were born at United
Regional, over 15,000 were treated in our Emergency Department and over 580 were
admitted and discharged from the pediatric unity," Stone says. “Each and every one of
them used equipment that was provided by Children's Miracle Network. From the needles
to blood pressure cuffs, beds to ventilators, all the equipment necessary to treat children
is smaller and unique to them.”
If it weren’t for the kind hearts of the Texoma community to help purchase that
equipment, the only option for those children and their families would be to travel
to Oklahoma City,
Fort Worth or Dallas
for care.
(Left to Right) TCCU Charity Committee members Wayne Mansur, Jenna Boyd,
Kevin Scott, Debbie Walmsley, Tina Taylor, Jerry Brady, Kate Kyle, Lindsay Morton,
Leslie Rhodes, and Suzanne Ellis pose with CMN Specialist Suzanne Stone.
Local CMN Specialist Suzanne Stone receives a
donation of $8,000 from President Wayne Mansur
on behalf of TCCU.
“Thanks to the generosity of our community members like
you, our children are able to stay close to home to receive the
care they need. The added expense of travel, hotel stays, food
costs, and the separation of the family are just a few of the
many additional stressors added when a child is sick and has
to be cared for elsewhere,” Stone says.
The donation of $8,000 comes from the enrollment costs
when members sign up for the Skip-a-Pay program. Credit
Unions have been a strong supporter of Children’s Miracle
Network and TCCU has been contributing to this effort for
nearly 15 years.
3

Negative Verification of Accounts
The Audit Committee of Texoma Community Credit Union is conducting a routine periodic verification of members’ accounts with the July 31, 2011 statement cycle.
If your balance is not correct, contact the Audit Committee within 10 days of receipt of this notice. Explain the error and attach it to a copy of the statement. If your
balance is correct, please do nothing and disregard this notice. Please use the address below to notify TCCU of any discrepancies in your statement. This
address is for the purpose of this audit only. Using it for other reasons, such as deposits or payments, will unnecessarily delay your transaction. Members using
e-statements will receive an email verification notice. If you are an e-statement user and wish to report a discrepancy in your June 2011 statement, please send an email
to the following address: audit@texomacu.com. Include your full name and the nature of the discrepancy. You need not include your account number in your email
to us.
TO REPORT A DISCREPANCY, ADDRESS YOUR LETTER TO: TCCU Audit Committee • PO Box 4290 • Wichita Falls, TX 76308
FOR YOUR SECURITY: Your personal financial information is confidential. Do not give this information to anyone who contacts you via phone or email claiming to
be a representative of TCCU. When in doubt, ask the caller’s name and call the individual back at (940) 851-4000. If the balance on your statement is correct,
you do not need to respond to this notice. The above address is strictly for the purpose of the Audit Committee and should not be used for any
other business matters.
What the Feds Want Us
to Tell You
Your Access to Credit Union
Documents
As a member of Texoma Community Credit Union, you
are entitled to review or receive a copy of the most
recent version of the following credit union documents:
1. Credit Union balance sheet and income statements
2. A summary of the most recent annual audit
3. Written board policy regarding access to the articles
of incorporation, bylaws, rules, guidelines, and
some board policies
4. IRS Form 990
To request any of these documents, please write to:
TCCU Internal Audit Department
PO Box 1320
Wichita Falls, TX 76307-1320
Our Privacy Policy
To assure the privacy and confidentiality of your personal
financial information, Texoma Community Credit
Union observes these practices and procedures:
Information We Collect
We collect non-public information about you from
some or all of the following sources:
• Information we receive from you on your applications
or other forms, such as your name, address, social
security number, assets, and income.
• Information about your transactions with us, our
affiliates, or others such as your account balance,
payment history, parties to transactions, and credit
card usage; and,
• Information we receive from a consumer reporting
agency, such as your creditworthiness and credit history.
Information We Disclose
We may disclose all of the information we collect about
our members or former members as described
to companies that perform marketing services on our
behalf or to other financial institutions with whom we
have joint marketing agreements. We share this
information to provide you with high quality products
and services. We may also disclose information about
you under other circumstances as permitted by law.
Events and 4019 Southwest Parkway 3800 Sheppard Access Rd. Access - 24 Account
CARING Closings HOME Wichita BANKING Falls, TX 76308 E STATEMENTS Wichita Falls, TX We 76306Believe
in Information: You. MOBILE
940.851.4000
940.851.4000
940.855.2828
SAFETY HELPFUL We Believe in You. PRESIDENT’S CLUB REW
Day (Closed)
Lobby Hours:
Lobby Hours:
Internet Banking:
We Believe in You. HOME BANKING E STATEMENTS MOBILE BANKING
Mon-Fri 9:00 am to 4:30 pm Mon-Fri 9:00 am to 4:30 pm www.TexomaCU.com
lieve in (Closed) You. SAFETY Saturday 9:00 HELPFUL am to Noon HOME BANKING We Believe in You.
PRESIDENT’S CLUB REW Drive Thru:
We Believe in You
(Closed)
Drive Thru:
ATMs:
Mon-Fri 8:30 am to 6:00 pm Mon-Fri 8:30 am to 6:00 pm 4019 Southwest Parkway
STATEMENTS MOBILE BANKING We Believe in You. FREE, UNLIMITED
Saturday 9:00 am to Noon Saturday 9:00 am to Noon 3800 Sheppard Access Rd.
(Closed)
E STATEMENTS We Believe in You. HOME BANKING Lakeside E STATEMENTS Travel Plaza, Iowa Park M
Mon., July 4 Independence
Mon., Sept 5 Labor Day
Mon., Oct 10 Columbus Day
Fri., Nov 11 Veterans Day
Our Security Measures
We restrict access to non-public information about
you to those employees who need to know that
information to provide products or services to you.
We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to
guard your non-public personal information.
How to Opt-out or Prevent Some Disclosures
About You
If you prefer that we do not disclose non-public
personal information about you to non-affiliated third
parties, you may opt out of those disclosures. You
may direct us to not make those disclosures, other
than disclosures permitted by law. At any time, you
may opt out by doing one of the following:
1. Call 940-851-4000 or
2. Complete a written request and mail it to:
Privacy Officer, Texoma Community Credit Union,
PO Box 1320, Wichita Falls, TX 76307-1320
According to law, this opt out will not apply to
disclosures that are legally permitted, disclosures we
make to companies that perform services on our
behalf, or to other financial institutions that have a
joint marketing agreement with us. Once we receive
your request, we have a reasonable amount of time
to stop the disclosure. You may always contact us if
you wish to later revoke your opt out election. If the
owner or a joint owner opts out we will treat the
account as if all parties opted out.
Complaint Procedures
This credit union is incorporated under the laws of the
State of Texas and under state law is subject to regulatory
oversight by the Texas Credit Union Department. If you
have a dispute with Texoma Community Credit Union,
you should contact the credit union. If the dispute is not
resolved to your satisfaction, you may file a complaint
against the credit union by contacting the Texas Credit
Union Department through one of the means indicated
below:
Texas Credit Union Department
914 East Anderson Lane
Austin, TX 78752-1699
Phone: (512) 837-9236
Fax: (512) 832-0278
Email: complaints@tcud.state.tx.us
Website: www.tcud.state.tx.us
Debit MasterCard and ATM
Safety Tips
• Never disclose your PIN number to anyone! You
are the only one who should know the PIN. Do not
give it out when making purchases; you should
punch in the numbers yourself, and it should be
done in a way that others may not observe the
numbers pressed. Even TCCU employees have NO
NEED TO KNOW YOUR PIN for any reason. Do
not give it to anyone over the phone or by email or
text claiming to be a TCCU employee.
• Observe your surroundings before using an ATM.
If the machine is obstructed from view or poorly lit,
visit another ATM.
• Take a friend with you - especially at night.
• Have your card out and ready to use.
• Shield the screen and keyboard so anyone waiting
to use the ATM cannot see you enter your PIN or
transaction amount.
• Put your cash, card and receipt away immediately.
Count your money later, and always keep your receipt.
• If you see anyone or anything suspicious, cancel
your transaction and leave immediately. If anyone
follows you after making a transaction, go to a
crowded, well-lit area and call the police.
• When using an enclosed ATM that requires your
card to open the door, avoid letting strangers follow
you inside.
• When using a drive-up ATM, make sure all passenger
car doors are locked and windows are up.
• Do not leave your car unlocked or engine running
when you get out to use an ATM.
• While many ATMs are available 24 hours a day,
some may be open only during local business
hours. To be on the safe side, plan your withdrawals
ahead of time.
• Check with TCCU to determine what the daily limit
of funds that can be withdrawn from your account
is. You can do this via Access 24 telephonic
banking, TCCU@Home Internet banking, or TCCU
Mobile Phone banking.
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