Comments From Your CEO -

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2 Comments From Your CEO - Dear Membership, Staff, and Board, It is with great excitement that I express to you what an unbelievable year this has been! We celebrated our 50 th year since we were originally chartered by the State of Tennessee. I just want to say that our Credit Union appreciates the support from each of our members and owners that conduct their financial business with us daily. We would not exist without each of you and we were so excited to be able to offer 50 th specials throughout the year and to have been able invite you, our members, to our Big 50 th Celebration in May which reflected on our roots and appreciate those who have helped to make this a reality for 50 years. The loyalty of such an outstanding membership is why we continue to see good financial reports with good ratios and numbers and for this we THANK YOU!!!! Our Board has been dedicated in making this year a memorable one that we can all reflect on. The memory lane that was presented at the celebration, and that has been displayed in all branches, shows us just how many volunteers and members have supported us through the 50 years. Volunteers are special people and we could not survive without them. Their dedication and support have been overwhelming this year. Thank you Volunteers for your SERVICE. To my Staff, I must say that each year as we have added staff and as we have reached the 50 employees this year it is amazing to me the way in which you support one another and have that loving attitude of helping one another in making sure that our membership is Served and Satisfied with our services and the way that we reach out daily to assist and care for them. You have been remarkable and I want to thank you for your service this year in your position here within our organization. So, as we close this year of 2018 and, as we note our 50 th year, I share with each of you our goal of not becoming a huge Credit Union, but to be personable and caring and in knowing you when you walk in. We have grown in assets and numbers and we will discuss that at our Annual Meeting. Please make plans to stop in that day (March 22, 2019) to take part in your ownership of the Credit Union as we strive to be the original People Serving People Credit Union. Thank you for another Great Year and May God Bless you and yours in the New Year of 2019! Wanda Mason Wanda Mason, CEO 2

3 Annual Meeting Set Make plans now to attend the Annual Meeting which has been set for Friday, March 22, This is your yearly opportunity to review the business and financial reports for 2018, and to vote for members of your Board of Directors for You are not just a member, you are an OWNER, so your vote is very important! This meeting will take place at each branch during normal business hours for the day. Board of Directors Election The Nominating Committee for the current year includes: Cheryl Covington and Mark Reid. There are two Board Members up for re-election: Rhea-Anne Pendley and Wanda Mason. RHEA-ANNE PENDLEY: Rhea-Anne has worked for Electrolux Major Appliances for the last 29 years. She is currently a Project Manager for new cooking products, but has held positions in Product Management, Account Management, Sales, and Forecasting. Rhea-Anne is a native of Robertson County, has an undergraduate degree from Austin Peay State University and an MBA from Bethel University. She is married to Vernon Pendley and they are parents to two young adult children, Jantzen and Alexis. Rhea-Anne joined the Credit Union Board in She stated regarding the Credit Union, "It has been my honor to serve on the Board of Directors; to be a part of the Credit Union's growth in Robertson County and witness the heart of its many services provided to our community." WANDA MASON: Wanda has been employed for the past 40 years as CEO at the Credit Union for Robertson County. She served on the board of Volunteer Corporate Credit Union for 15 years and was Chairman of that Board for 2 of those years. She has served on the Chamber Board and now serves on the Springfield Planning Commission. She also serves as a Chamber Ambassador. She has been married to Tommy Mason for the past 52 years and they have three children. She and her husband are life-long residents of Robertson County and they reside in Springfield. Note: Anyone requesting a petition for the nomination of an additional nominee must call the Credit Union for Robertson County at and ask to speak to Peggy Moreland. Deadline is February 1,

4 LEARN REAL-WORLD FINANCE...FOR FREE! What s Banzai? It s a choose you own adventure game that prepares you for life s hardest financial decisions. We all make money mistakes, and budgeting looks a lot harder than it has to be. That s why we re offering you Banzai, a real-world financial wellness program used by tens of thousands of schools nationwide. All three Banzai courses Junior, Teen and Plus take kids, teens and adults through scenarios in a fun, lifelike simulation. What Does it Teach? Saving money is not an end to itself managing money well is about reaching goals. In Banzai, you will learn to make trade-offs, setting money aside for your needs and living well at the same time. In Plus, you will even watch how your choices affect your credit report, and your ability to borrow for a home. Why Use Banzai? It s completely free, thanks to The Credit Union for Robertson County. It s one thing to watch a video about buying a home it s another thing to experience buying a home for yourself. Most important, Banzai prepares you to go after your personal financial goals. No matter your age or experience with money, Banzai will help you take control of your finances. Sign up today at today and start playing. If your organization would like to have a link on your website to this valuable financial resource, please contact us at Look for this link on our website, tcurc.org (under Loans and Credit tab, choose Current News) to get started with Sallie Mae. 4

5 RATES Dividends Declared 3rd & 4th Quarter 2018 paid as declared. Projected 1st Quarter 2019 Regular Shares... $ & up % APY Secondary Share... $ & up % APY Youth Share... $20.01 & up % APY VISA Secured Share... $ & up % APY Vacation & Christmas Club % APY IRA % APY Health Savings Account % APY Elite... $25, $75, % APY* Elite... $75, $125, % APY* Elite... $125, & up % APY* *Rates are variable and subject to change monthly. CLOSED DATES Federally insured by NCUA HOLIDAY Mem Robt County North- Crest Stone- View White House E-lux Plst View New Year s Day Tue Jan 1 Closed Closed Closed Closed Closed Closed Closed Martin Luther Kin Jr Day Mon Jan 21 Closed Closed Closed Closed Closed Closed Closed Presidents Day Mon February 18 Closed Closed Closed Closed Closed Closed Closed Memorial Day Mon May 27 Closed Closed Closed Closed Closed Closed Closed Independence Day Thur July 4 Closed Closed Closed Closed Closed Closed Closed Labor Day Mon Sept 2 Closed Closed Closed Closed Closed Closed Closed Columbus Day Mon Oct 14 Closed Closed Closed Closed Closed Closed Closed Veterans Day Mon Nov 11 Closed Closed Closed Closed Closed Closed Closed Thanksgiving Day Thur Nov 28 Closed Closed Closed Closed Closed Closed Closed OPEN Closed Closed OPEN OPEN OPEN OPEN Christmas Eve Tue Dec Closed Christmas Day Wed Dec 25 Closed Closed Closed Closed Closed Closed Closed Please check our website: ( Current News page under News & Information tab) for changes, updates & latest info, including any closings due to inclement weather. Log on to FaceBook and search for us by typing "The Credit Union for Robertson County". Be sure to click the page with our heart logo reminding you that YOU matter! Not on FaceBook? You can still view our page. Enter this address in your web browser: 5

6 Mortgages? Yes, We Do! Your Dream Home Could Be Just a Phone Call Away! Visit our website at tcurc.org Click the Services tab then choose Auto & Homeowner s Insurance 6

7 SHOP SAFELY WHETHER ONLINE OR IN PERSON November 19, 2018 by John Buzzard, CO-OP Financial Services Details Really Do Matter Fortify your wallet with two forms of plastic payment cards credit and debit and make sure you are aware of how much you can spend per day or per billing cycle on each one to avoid going over your spending limits. Are you planning on shopping like a rock star by making a huge purchase? Call ahead! Alert your card issuer as soon as possible so that they can help pave the way to a smooth transaction. Make sure you ve updated your credit card accounts with your current , cell number and address. Purchases can be denied over something as minor as entering the wrong postal code if it doesn t match your address on record. Keep Safety Top of Mind Always put your plastic payment cards back where they normally reside in your wallet. Hasty purchases can lead to misplaced or lost plastic, which will result in delays while you wait for a replacement. Many retailers today accept Apple Pay, Samsung Pay and/or Android Pay. These forms of payment utilize your mobile device to create a safer payment experience using tokenization. A tokenized form of payment replaces your payment card number with a secure, encrypted digital payment that can t be used again. Who doesn t love that idea? Ask your credit union if they participate and sign up today to take advantage of this convenient and secure payment option. Avoid patronizing unfamiliar online retailers that offer deals of the century. These online merchants may not even be legitimate; the only thing they are in the market for is your credit card information. Stick to trusted retailers and brands that you know in order to avoid fraudulent activity on your payment cards. If you see an unusual transaction on your debit or credit card statement, it is imperative that you report this to your credit union immediately to ensure that your financial accounts haven t been compromised and that they remain safely out of criminals hands. Ask your credit union what options are available for you to closely monitor your financial accounts. Online banking apps, security alerts and SMS text message are commonplace today and highly recommended as a means to stay safer. Greater awareness means greater security. Staying safe and having convenient, easy-to-use forms of payment makes the holidays (and any time you shop, really) happier for everyone. Whether you are planning to shop in-person or digitally, we want to encourage you to be proactive and work with us at your credit union to keep your information SAFE! 7

8 Romance Scammers We love our members and always have their best interests at heart, because you matter! We have seen an increasingly concerning scam trend that the Federal Trade Commission warns about: "The Federal Trade Commission receives thousands of reports each year about romance scammers who create fake online relationships only to rob their victims. Millions of Americans use dating sites, social networking sites and chat rooms to meet people, but scammers use them too, and eventually they ask for money. If an online love interest asks you for money, it s probably a scam." Usually, if it doesn't seem or feel right it isn't right. Please contact us at The Credit Union for Robertson County should you have any questions or concerns with any requests you receive asking for your personal financial information. We will be happy to review the request with you. The scammer will prepare the victims very well for our response to those types of requests. Remember we're here to help, always! New IRA Certificate, and Contributions for 2018 To better serve our members, we are now offering IRA Certificates at a higher rate of interest than our current IRA rate. Come by any branch to get more information on this new product. Remember, you have until April 15, 2019, to make IRA contributions for the 2018 tax year! 8