A Publication For Toledo Fire Fighters Federal Credit Union Members
SUMMER 2009
Find Your
Name, Win
A Prize!
We’ve hidden the names of three
lucky members in the articles of
this newsletter. If you find your
name, contact us during the
month of July, 2009, and
we’ll give you a $25 gift card!
New And Used Auto, Boat,
Motorcycle, and RV Loans
For All Of Your Summer Borrowing Needs
The summer is the perfect time to drive around in your new or new to you car,
truck, boat, motorcycle, or RV. And, our loans are the great way to afford your
favorite toy!
We offer great rates as low as
5.49% APR* and terms up
to 144 months! You can hit
the open road or cruise the
waterways in style!
Applying is easy! Just stop by or
contact Dawn at (419) 474-7200
ext. 27. Or, you may contact
April or Richelle at ext. 17.
*APR=Annual Percentage Rate. Rate based on creditworthiness of individual applicant and subject to change
without notice.
Indulge This Summer Without The Guilt!
SUMMER SKIP-A-PAY
2800 West Laskey Road
P.O. Box 5909, Toledo, OH 43613
(419) 474-7200
Toll-Free: 1-866-575-4449
Fax: (419) 474-7343
Lobby Hours
Monday – Friday
9:00 AM to 4:30 PM
Drive-Thru Hours
Monday – Thursday
9:00 AM to 4:30 PM
Friday
9:00 AM to 6:00 PM
Open until 6:00 PM on TFD Payday
Thursday
www.tfffcu.org
Enjoy summer by skipping the August 2009 payment on your
qualifying credit union loan(s)*! We’ll deposit your payment into
your Share Savings or Share Draft Account if you make your loan
payments with Direct Deposit or Payroll Deduction. Remember,
James Martin, Jr. interest will still accumulate on your loan during
August, the month you skip your payment.
Use the extra money to take a much-needed family vacation, make home
improvements or whatever your summer plans include. Give us a call or
stop by to let us know you want to skip your August loan payment. All
skip-a-payment requests must be received by July 31, 2009.
*Excludes Visa and mortgage loans.
Congratulations To Our Scholarship Winner!
Congratulations are in order for Jacob Rodriguez for his winning essay. He was
the winner of the $500 James Jagodzinski scholarship. Good luck Jacob in school!
And, thank you to all of the other students who submitted their essays.
Emergency Phone Number
In the event of a declared emergency, where the offices of Toledo Fire Fighters Federal Credit
are deemed unusable, you can reach us by calling (877) 681-9044 and leave a message. This toll
free emergency number will only be activated during emergencies and will not be used when an
emergency is not declared.
MAKE TOLEDO FIRE FIGHTERS FCU YOUR FULL-SERVICE FINANCIAL INSTITUTION!
Need Help Paying For
Your Education?
Why Aren’t You
Budgeting?
Check Out Toledo Fire Fighters
FCU’s Education Loans
Educational expenses can really add up. That’s why
we offer an affordable way to pay for them all. Our
Education Loans Bonnie Barber have the great low
rate of just 8.5% APR* with a term of 12 months.
Use it to pay for tuition, fees, room and board, or any other education related
expenses.
For more information, contact Dawn by calling (419) 474-7200 ext. 27 or April
or Richelle at ext. 17.
*APR=Annual Percentage Rate. Rate based on creditworthiness of individual applicant and subject to
change without notice.
Everyone knows that it’s important
to keep track of personal expenses,
save income and set aside the
difference. Still, many Americans
don’t regularly maintain a budget.
Board Of Directors: Election By
Mail And Call For Volunteers
It helps to have a system to manage
your finances that you are comfortable with that is easy for you to
implement and use. Here are some
details on the two most common
methods.
After much discussion, the Board has decided that in order to better serve the
membership, a mail-in ballot will be used beginning with the 2010 election.
Anyone at least 18 years old by the annual meeting on February 12, 2010 who
is interested in serving on the Board should submit their name along with a
short biography. Please submit requests to the credit union c/o Election
Committee no later than September 1, 2009.
Manual budgeting. It’s inexpensive,
adaptable, easily accessible, and can
involve your children and spouse.
However, all of the paper creates
clutter. You need to be organized
and maintain your files and
worksheets carefully.
Thank You.
Get Your Discounted Tickets Today!
This summer, you can enjoy many of the area’s
great destinations Jeff Robinson without spending a
fortune. Toledo Fire Fighters FCU offers discounted
tickets to Cedar Point, Soak City, the Toledo Zoo,
and the movies.
We can help you have a thrilling day at Cedar Point,
cool down at Soak City, have a relaxing day at the
zoo, or enjoy the summer’s blockbusters all at a
discount. You can’t afford not to check this out!
For prices, give us a call or stop by today!
Electronic budgeting. With this
method, you need to take into
consideration the security, functionality and expense of the system
you decide to use.
Storing your financial information
behind a firewall on your home
computer is safer than using an
online program where information
is on a central server. Budgeting
online can be safe with password
protection and encryption software.
Don’t log into the site on a shared or
public computer.
Supervisory Committee
Call For Volunteers
Make sure that the software lets you
easily update your information,
analyze your information in more
than one way and modify reports
and worksheets. The software
should be affordable.
If you are interested in serving on the Supervisory Committee, please contact
the credit union.
The Supervisory Committee is the link between Toledo Fire Fighters FCU’s
management and members. The volunteers on the Supervisory Committee
make sure that the credit union is being managed in a sound manner and that
the members’ assets are being safeguarded in an adequate way.
Finding the discipline to use the
budgeting system is the most
important thing.
If you have any questions, please don’t hesitate to contact us.
©
2009 Membership Marketing Support Services • Pottstown, PA 19464