FRANKLIN TRUST FEDERAL CREDIT UNION
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1 FRANKLIN TRUST FEDERAL CREDIT UNION FALL/WINTER Serving Our Member-Owners Since 1934 FTFCU Membership: A Lifetime Benefit Leaving your job or relocating? Be sure to keep your Franklin Trust membership. You can easily access your accounts online via NetTeller (just log on to: then click on NetTeller ), by phone, fax, mail, and at over 4,400 credit union service centers nationwide (locate at: By remaining a member, you ll be able to compare our products and services with others and select what works for you! Once a Member, Always a Member is an important benefit of your membership in FTFCU! Earn $300 CASH or more! Refinance with FTFCU! (Just turn the page to learn how!) YOUTH ACCOUNTS: An Investment in Your Child s Future Show your children or grandchildren the long-term benefits of building savings by opening an FTFCU account for them. The standard $10 membership fee is waived for youngsters aged 18 years and under. Ask about the special offers that are available for your child s age group, too. Did you know that with Direct Deposit or Payroll Deduction, you can have as little as $1 directed to your youngsters accounts with each deposit, which will help their savings grow? For details, call us at (860) , ext SKIP-A-PAYMENT! Thank You for your loyalty and support! You can skip your Personal or Auto loan payment in the month of December and/or your Home Equity Loan, HELOC, or Mortgage payment in December and/or January. You must have been on time for all payments in the last 12 months and interest will continue to accrue. Just complete the form below. Return this form completed by December 15, If you re approved, we ll send you a Skip-a-Payment form to sign. Yes! I want to SKIP-A-PAYMENT on my loan * : Personal or Auto Loan December 2011 Home Equity, HELOC, or Mortgage December 2011 January 2012 * Processing fee is $40.00 per loan per month. Name Street City/State/Zip Phone (Daytime) (Evening) FTFCU Acct. No. Suffix(es) PAYMENT OPTIONS Enclosed is my check payable to Franklin Trust Federal Credit Union for $ Please deduct $ from my: Share Account Share Draft Checking Account Drop off form at any FTFCU office or fax it to (860) or mail it by December 15, 2011 to: Franklin Trust Federal Credit Union, 632 Franklin Avenue, Hartford, CT Questions? Please call our Loan Dept. at (860) , ext. 107 or 114.
2 WIN $50 Like Franklin Trust on Facebook! Enter to win $50! It s simple just Like us on Facebook! One member will be chosen at random on January 31, 2012 from all eligible Likes. The winner will be notified and his/her name will be posted on our Facebook page! Just log on to and click the link on our home page to access our Facebook page. Or simply enter Franklin Trust Federal Credit Union on your Facebook page. Like us today! Only Franklin Trust FCU members (excluding FTFCU employees) are eligible for the drawing. The prize will be deposited into the winner s FTFCU share account. Bill Payer & NetTeller: Online Convenience Bill Payer saves you time and money by allowing you to pay your bills online. Plus, you control the amount and timing of your payments. Bill Payer is free when you have Direct Deposit, otherwise there is a small monthly charge. NetTeller, our free online banking service, performs many tasks as your personal teller. You can look up your balances, make transfers, print cleared check images and much more from anywhere you have internet access! EXPANDED HOURS at our HARTFORD OFFICES We expanded office hours at our Downtown Hartford Office, beginning in late August. The full-service branch is open Monday, Tuesday, Thursday, and Friday from 9:30 a.m.-4 p.m., with Wednesday hours from 10 a.m.-1 p.m. Located at 277 Asylum Street (adjacent to High School, Inc.), the office is diagonally across the street from the XL Center. An ATM is on-site, available 24/7. In addition, after Labor Day, our Main Office (632 Franklin Avenue) added Sunday hours from 1 p.m.-3 p.m.. Our Main Office is open on Sundays year-round, with the exception of the summer. Sign Up for PREFERRED CHECKING NO minimum balance. NO monthly service charge. NO per-check charges.no cost for online statements or online check images. Unlimited debit card use, plus we don t charge you a fee to use your debit card! We even pay for your check reorders! All this - and more - when you have Direct Deposit of your net check to FTFCU. Have your checking account elsewhere? Switch today and $ave! Give VISA Gift Cards Looking for useful presents that are always well-received? Give VISA Gift Cards! Safe and convenient, they can be used most anywhere, wherever VISA is accepted. Cards cost as low as $3.50, depending on your Club 75 level. 9/7 For more information about these or other services, call us at (860) x 110.
3 Now & Later Holiday Loan Celebrate now and pay back next year! Plus NO PAYMENTS TILL SPRING! 1 Open a Holiday Club with Payroll Deduction or Direct Deposit and Take 1/2 Percent OFF Your Rate! A Now & Later Holiday Loan from Franklin Trust will help you cover your holiday expenses for just about anything you need. Borrow now to set your plans in motion and MAKE NO PAYMENTS UNTIL SPRING! Term With Holiday Club Without Holiday Club 12 Months % APR % APR 2 24 Months % APR % APR 2 Available through December 31, 2011 Contact us online at Or apply with our 24-hour Loan Line at (860) Or visit any of our offices. 1First payment due March 31, APR = Annual Percentage Rate. Rates and terms subject to change without notice. Rates shown are for Club 75 Platinum level members; rates for other members will be higher. Rates quoted are with Payroll Deduction; 2% higher without Payroll Deduction. For every $1,000 borrowed at 9.49% APR for 12 months, the monthly payment would be approximately $ Equal Opportunity Lender. Auto Loans as low as 2.49 % APR 1,2 SPECIAL REFINANCE OFFERS Refinance loans from another financial institution with us and receive cash: $300 PAID ON A HOME EQUITY LOAN ($50,000 or more) $200 PAID ON AN AUTO LOAN ($20,000 or more) $100 PAID ON AN AUTO LOAN ($10,000 or more) It pays to refinance with FTFCU! HOME EQUITY LOANS as low as 3.49 % Home Equity LINES OF CREDIT available, too! Call for details! APR 1,2 Heating Helper Loans as low as 8.99 % APR 1,2 VISA Card When holiday shopping, remember to take your Franklin Trust VISA debit/credit card with you! If you ll be traveling, let us know so your card won t be blocked. Don t have a card? Sign up today to receive our special introductory rate! Current Franklin Trust VISA Cardholders: Transfer $2,500 minimum from another lender to your FTFCU VISA account to receive our special rate! Loan! Save money versus others Pay Day Loans! Loans range from $200-$1,000, with terms up to six months. For details, please call our Loan Department at (860) ext. 107 or 114. Over 33,000 Surcharge-Free ATMs Franklin Trust is part of the CO-OP and SUM ATM networks, with over 33,000 surcharge-free ATMs throughout the country! To find a surcharge-free ATM near you, just log on to or S P E C I A L V I S A INTRODUCTORY & BALANCE TRANSFER RATE: 4.75 % with payroll deduction, APR 1 2% higher without payroll deduction. Offer good for first 9 months! VISA CREDIT CARD RATE As 9.9 % Low As (Contact us for details!) 1 APR = Annual Percentage Rate. 2 Rate shown is for Club 75 Platinum level members; rate for other members will be higher. All rates are subject to change. Auto Loan, Heating Helper & VISA rates are based on payments made through Payroll Deduction. Please call our Loan Dept. at (860) , ext. 107 or 114 for updates and information. Win $50! Find Your Birth Date APR 1 Find the birth date hidden in this newsletter. If it s yours, be the first caller and you ll win $50 deposited to your FTFCU share savings account!
4 Save up to 20% on the Cost of Your Electricity! Franklin Trust Federal Credit Union wants you to pay a lot less for electricity. In Connecticut, you can now save up to 20% on the generation portion of your electric bill. Enrollment is FREE, easy and there s NO CATCH! Sign up by going to and click on the Discount Power button on our home page. All you need is a copy of your electric bill. Simply fill out the residential enrollment form and submit your application. An from Discount Power will provide a link to confirm your enrollment. Your request is then submitted to your utility provider to let them know you have switched your generation provider. On the next meter read date, the change will go into effect. You will see the savings on your bill once you have gone through a full meter read cycle. Of course, you are welcome to bring your electric bill to any Franklin Trust office. We would be glad to answer any questions and help you sign up. Sign up today and start saving! Everyone who enrolls from October 17-December 31, 2011 will automatically be entered into a drawing to win a $200 Gift Card, courtesy of Discount Power! We had a winner: FTFCU member Gisela Coll won a $100 Gift Card in Discount Power s previous drawing! Get FRED! FRED (Franklin Remote Electronic Deposit) allows you to access your Franklin Trust account via scanner from anywhere that you have internet access. You can deposit checks, submit a loan payment and more! Save time and save money. No special devices are required. Plus, FRED is free for qualified members. For specifics, call us at (860) , ext COMING SOON: FRED On the Move Mobile Banking! You ll be able to deposit your check by taking a picture of it with your Smartphone! Thank You, Member-Owners Since our founding back in 1934, Franklin Trust has been a stable, dependable and trustworthy financial institution. No memberowner has ever lost a penny of insured savings with us. As the nation s fourth-oldest federal credit union, you can count on us to be here for you and your family, providing outstanding products and services for all your financial needs. We thank all our memberowners for their loyalty, and truly appreciate being their financial institution of choice. Health Savings Account A Health Savings Account (HSA) gives you flexibility and control over your health care costs. Benefits include your ability to deduct your contributions, your earnings accumulating on a taxdeferred basis, and distributions being tax-free if they are used for qualified medical expenses. Plus, you can contribute at any time, with your balance rolling over from year to year. If you change jobs, you can even take your account with you. For details, drop by any FTFCU office or call us at (860) , ext. 110.
5 Club 75 Benefits Earn up to.75% added to your new certificate rate and/or up Save with Sprint! to.75% deducted from your new loan rate (VISA, HELOC & Both new and existing Sprint customers can save FTFCU products and services you use. Maximum benefits are 10% off most regularly priced Sprint individual service attained when you reach our Platinum level, which is 75 points. plans! Enjoy other exclusive offers that only credit union Club 75 began in 2009, in conjunction with our members can receive, too! 75th Anniversary. For more information or to check Three Ways to Get Your Discount: your Club 75 level, visit any of our offices or call us at (860) Overdraft Protection excluded) in Club 75! Receive free or discounted rates on items such as VISA gift cards, money orders, traveler s checks, and GAP Insurance, too! Points are automatically awarded in Club 75 according to the - Call 877.SAVE.4CU ( ) and let them know , ext you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save We Welcome Your Thoughts - Click Please let us know how we re doing as well as any - Visit your nearest Sprint store ideas you feel would improve our credit union. Simply use the Suggestion Boxes in any of our offices or your thoughts directly to our President, Kiernan J. Dubay, at kdubay@franklintrust.org. Employee Spotlight Jessica Sposito Born and raised in Hartford, Jessica Sposito is a graduate of Northwest Catholic High School. She embarked on her career at Franklin Trust in November, 1999, and concurrently matriculated at Goodwin College while working at the credit union. Initially a teller, over the next several years, Jessica worked her way up to a loan processor position. After a hiatus from FTFCU during which she acquired experience with first mortgages, Jessica returned to our credit union in 2006 and continued her upward climb. She is now the Loan Department Manager. Married to Teddy (a huge Miami Dolphins fan), the couple have three beautiful children: Chinalee (12 years old), plus twins Makenzie and Theodore III, who were born the day after Christmas They keep their parents busy and very happy. We always have a gathering, says Jessica, with a smile. We like to do family things, like cookouts, going to the park, and attending Chinalee s soccer games with the twins. It s a pleasure having Jessica and her brood as part of the Franklin Trust family!
6 Franklin Trust Federal Credit Union Main Office 632 Franklin Avenue Hartford, CT Serving Our Member-Owners Since 1934 WIN $50 in our Facebook contest (Look inside!) WIN $50 FIND YOUR BIRTH DATE (Details inside!) Also visit us at Downtown Hartford Office 277 Asylum Street (at High School, Inc.) Like us on facebook! Upcoming Holiday Closings Member Services VETERAN S DAY: Friday, Nov. 11 SAVINGS LOANS ADDITIONAL SERVICES THANKSGIVING HOLIDAY: Wednesday, Nov. 4:30pm; Thursday, Nov. 24- Sunday, Nov. 27 CHRISTMAS HOLIDAY: Friday, Dec. Noon; Saturday, Dec. 24-Monday Dec. 26 NEW YEAR S HOLIDAY: Friday, Dec. Noon; Saturday, Dec. 31-Monday, Jan. 2 THREE KINGS DAY: Friday, Jan. 6 MARTIN LUTHER KING, JR. DAY: Monday, Jan. 16 PRESIDENTS DAY: Monday, Feb. 20 GOOD FRIDAY & EASTER HOLIDAY: Friday, April 6-Sunday, April 8 Share Savings Accounts Checking Accounts Gold Star Money Market Accounts Term Share Certificates Individual Retirement Accounts (IRAs) Christmas/Holiday Club Accounts Vacation Club Accounts Health Savings Accounts Coverdell Education Savings Accounts Youth Accounts March Club Summer FUNd Club VISA Club Accounts Home Equity Home Equity Line of Credit Mortgages Automobile Personal Lifestyle Heating Helper Green Qwik Cash Overdraft Protection Quinceanera Direct Deposit of Net Check Payroll Deduction NetTeller Internet Banking Shared Service Centers FRED Franklin Remote Electronic Deposit On-Line Bill Payer VISA Classic, Gold & Platinum VISA Debit Card VISA Gift Card E-Statements Audio Response Check Images Online Drive-Up Windows Electronic Rates Boards Kiosks Identity Theft Protection Night Deposit Boxes Accident and Health Insurance Life Insurance on Loans Long-Term Care Insurance Temporary Disability Insurance Traveler s Checks Financial Counseling Notary Service to Members Contact Us MAIN OFFICE 632 Franklin Avenue, Hartford, CT Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m. Wed.: 10:00 a.m. - 1:00 p.m. Thursday: 7:00 a.m. - 6:00 p.m. Saturday: 9:00 a.m. - 12:00 noon Sunday: 1:00 p.m. - 3:00 p.m. WEST HARTFORD OFFICE CLOSED DOWNTOWN HARTFORD OFFICE 277 Asylum Street, Hartford, CT Mon., Tues., Thurs., Fri.: 9:30 a.m. - 4 p.m. Wed.: 10 a.m. - 1 p.m. Phone: (860) Fax: (860) The following branches are active when school is in session (for students, staff & employees only): BULKELEY HIGH SCHOOL BRANCH 300 Wethersfield Avenue, Hartford, CT Tues. & Thurs.: 9:00 a.m. - 12:00 p.m. HARTFORD PUBLIC HIGH SCHOOL BRANCH 55 Forest Street, Hartford, CT Tues. & Thurs.: 1:00 p.m. - 4:00 p.m. General Information: (860) Loan Dept. Extensions: 107 & 114 Audio Response Extension: 1 Toll-Free: (866) Fax: (860) ftfcu@franklintrust.org Website: Facebook: Franklin Trust Federal Credit Union MySpace: Shared Service Centers Locator: Surcharge-Free ATM Locations:
NEED CASH? We make loans for many reasons in all seasons! Check out our great rates inside, and see the back page for a listing of loans available!
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