FINANCIAL
HOLIDAY CLOSING
Community Trust Credit Union will be closed on Monday, May 31st for Memorial Day.
ISSUE 2 2010
New Prescription Card Service
Free Discount Prescription Drug Card
This program is being provided at no cost to help lower prescription drug costs. Members can pick up a prescription card at any
of our offices or print off a card online on our website.
Log onto www.CTCU.org and simply create and print your FREE Prescription Drug Card and receive savings of up to 75%
(discounts average roughly 30%) at more than 4,000 national and regional pharmacies. This card can be used as your primary
plan and/or it can be used on prescriptions not covered by your insurance plan. This program also includes other value added
programs which will be listed on the card. Please enter your name and email address in the online form and we will generate a
printable membership card for you (no application/enrollment or eligibility required). This program has “LOWEST PRICE” logic
to guarantee that you get the best deal on your prescriptions. (You pay the lower of a discount off Average Wholesale Price-AWP,
discount off MAC Pricing, or Pharmacy Promotional/Retail price.) This card is pre-activated and can be used immediately.
Fee Schedule Change Notice (effective 5/01/10)
Account balancing/research per hour $20
Accounts closed within 6 mo. of opening $50
Account verification $10
Each ATM withdrawal in excess
of 6 per month will incur a charge of $1
Business Membership Fee $35
Business coin & currency orders
—coin, per roll $.10
—currency, per strap $1
—loose coin counting
1% of total coin
Cashier’s checks
—under $1,000 $3
—over $1,000 FREE
Chargebacks to business accounts $5
Copy of cleared check (includes cashier ck) $5
Overdrafts—ACH, ATM, Checking per item $30
Stop Payment $30
Returned deposit item $30
Citation to discover assets per hour $25
Collection, incoming/outgoing $15
Foreign check collection $15
Garnishment/Levies $100
Gift cheques (American Express) $2.50
Visa Gift Card $3.95
Statement -- returned $10
Money orders $2
Telephone Teller services $2
—(when ART or eBranch not utilized)
Safe deposit box rental
$45-$100
—(varies with box size, charged annually) Safe deposit box late payment charge $10
Safe deposit box re-key $10
Safe deposit box drilling $120
Statement copies, per statement $5
Domestic wire transfer $25
Foreign wire transfer $50
Western Union money wire $20
Western Union International money wire $50
ATM, MasterMoney Debit &
VISA Replacement $10
Non-active accounts
Accounts with less than a $500 balance with no
activity for one year and no other credit union services
will be assessed a Dormant Account Maintenance
charge of $10 per month.
CTCU Employees’
anniversaries
April
15
25
Wendy Gee (16 years)
Michael Drennan (9 years)
May
2
17
24
Nancy Artz (8 years)
Lynn Geier (17 years)
Tracy Johnson (17 years)
CTCU.ORG
Twenty-four
C T C U Wo n k a b a r s
will contain a
golden t icke ettowwoirnt h
a chanc
$5,000!
earn a CTCU wonka Bar
and a chance to win $5,000
when you do any of the following:
= Open a checking account with a minimum deposit of $100
= Book a loan or open a VISA®
= Refer a member who opens a checking account*†
April 2nd through June 26th:
June
4
21
FOCUS
Piera Hermes (9 years)
Michelle Fairbanks (17 years)
Lucky members receiving a ctcu wonka bar containing a golden ticket will be
entered for a chance to win $5,000! Stop in one of our branches or visit us online
at www.ctcu.org for more details.
Financial Focus is published quarterly for the members of Community Trust Credit Union.
OFFICES
PHONE SERVICES
OFFICE HOURS
BOARD OF DIRECTORS
1313 Skokie Highway
Gurnee, IL 60031
Contact us at 847-662-2050
Toll-free 877-342-4788
(outside of 847 area code)
Lobby
Mon-Thur
Fri
Sat
9:00 a.m. - 5:00 p.m.
9:00 a.m. - 6:00 p.m.
8:00 a.m. - noon
Drive-up
Mon-Thur
Fri
Sat
7:30 a.m. - 6:00 p.m.
7:30 a.m. - 7:00 p.m.
8:00 a.m. - noon
Madeline Lipka, President
Edward Clark, Chairman
Shawn Depke, Vice Chairman
Elmer (Bud) Reed, Secretary
Don Fontana, Treasurer
Gilbert Bennett, Sr.
Linda Wegge-Slipke
Gerald Crews
1263 N. Route 83
Grayslake, IL 60030
1380 Deep Lake Road
Lake Villa, IL 60046
Any Hour Loan Application
1-800-837-3059
ART – Audio Response Teller
847-775-1711
Toll-free 877-342-4788, option 8
(outside of 847 area code)
©2010 155661 LKCS • www.lk-cs.com
* Minimum deposit of $100.00. † Referring member must be
present with new member to receive the Wonka bar.
Stop in our Gurnee, Grayslake or Lake Villa of f ices for a chance to win!
Lake villa
PRESIDENT’S MESSAGE
by Madeline Lipka
Off to a great start… I would like to thank each member who attended the annual meeting held in March.
Year after year one thing remains the same, it is always a pleasure to be able to talk with each of you and gather together as
a group.
As we head into a new year, the future is looking “golden”. On the cover of this newsletter you’ll read about our newest
promotion, “I want a golden ticket”. We are giving away $5,000.00 to one lucky winner at our member appreciation day
on June 26th. Over the next few months you will receive the Willy Wonka experience when you enter any of our
branches. The staff did an excellent job decorating their offices to resemble the chocolate factory.
I encourage each of you to refer a friend to CTCU so they can enjoy the same great products and services offered by the
credit union. Bring your friend and your sweet tooth into the credit union to receive a chocolate bar that could contain a
golden ticket. That golden ticket could be worth $5,000.00!
In the words of Willy Wonka himself, “We are the music makers, and we are the dreamers of dreams”. On behalf of the
entire credit union, we look forward to an exciting 2010 serving our membership and helping each of you attain your
financial hopes, dreams, and goals.
Sincerely,
Relay for Life
CTCU will be participating in the American
Cancer Society Relay for Life on Saturday,
July 10th and Sunday, July 11th.
The American Cancer Society Relay For Life
is a life-changing event that gives everyone in
communities across the globe a chance to
celebrate the lives of people who have battled
cancer, remember loved ones lost, and fight back against the disease.
The event will take place at Warren Township High School, O’Plaine
campus. Each year, more than 3.5 million people in 5,000 communities in
the United States, along with additional communities in 19 other countries,
gather to take part in this global phenomenon and raise much-needed funds
and awareness to save lives from cancer. CTCU will be coordinating
fundraisers at all offices to raise money for this event. For more information
on how you can support the CTCU team please call 662-2050 x 200.
Madeline Lipka, President/CEO
Scholarship Applications Received
We are in the process of reviewing all of the scholarship applications that we have received. We certainly
have some qualified applicants this year! CTCU will be announcing the scholarship winners in the next
newsletter. Winners will be notified by their school. Thank you to everyone who submitted an application.
We wish you the best of luck.
Member Appreciation Day
Join us on Saturday, June 26th from 9am – Noon at our Gurnee office,
1313 Skokie Highway. This event is our way of saying ‘thank you’ to our
members and showing them how much we appreciate their loyalty. Hot dogs,
chips and soda will be served up by our employees.
The Last “Golden Ticket”
We will have one golden ticket that we will draw on Member Appreciation
Day. You may get a CTCU Wonka bar and a chance for the golden ticket by
opening a checking account with a $100 deposit, by booking a loan or opening
a VISA, or by referring a member who opens a checking account, books a loan,
or opens a VISA. The drawing will take place at 11:15am. The winner of that
golden ticket will be entered in with the other twenty-four golden tickets for a
chance to win $5,000. The final drawing will be at 11:30am.
Unlike traditional banks which work to serve shareholders, a Credit Union is a
not for profit financial cooperative owned and operated by its members.
Member Appreciation Day will help CTCU honor its member-owners and
showcase the full range of financial products and services available to them.
We hope to see you there!
Viking School Penny Drive
About six years ago, we donated a large fiberglass box to Viking School to
support their drive to collect one million pennies to be sent overseas for
underprivileged children. Although they have not hit the million penny
mark the students have decided to cash in their coins and send the money to
Haiti to show their support.
Several employees helped with picking up the coins from the school.
We counted a total of $1,854.86. That’s 185,485 pennies!
st. patrick’s day parade
Saturday, March 13
Lake villa
PRESIDENT’S MESSAGE
by Madeline Lipka
Off to a great start… I would like to thank each member who attended the annual meeting held in March.
Year after year one thing remains the same, it is always a pleasure to be able to talk with each of you and gather together as
a group.
As we head into a new year, the future is looking “golden”. On the cover of this newsletter you’ll read about our newest
promotion, “I want a golden ticket”. We are giving away $5,000.00 to one lucky winner at our member appreciation day
on June 26th. Over the next few months you will receive the Willy Wonka experience when you enter any of our
branches. The staff did an excellent job decorating their offices to resemble the chocolate factory.
I encourage each of you to refer a friend to CTCU so they can enjoy the same great products and services offered by the
credit union. Bring your friend and your sweet tooth into the credit union to receive a chocolate bar that could contain a
golden ticket. That golden ticket could be worth $5,000.00!
In the words of Willy Wonka himself, “We are the music makers, and we are the dreamers of dreams”. On behalf of the
entire credit union, we look forward to an exciting 2010 serving our membership and helping each of you attain your
financial hopes, dreams, and goals.
Sincerely,
Relay for Life
CTCU will be participating in the American
Cancer Society Relay for Life on Saturday,
July 10th and Sunday, July 11th.
The American Cancer Society Relay For Life
is a life-changing event that gives everyone in
communities across the globe a chance to
celebrate the lives of people who have battled
cancer, remember loved ones lost, and fight back against the disease.
The event will take place at Warren Township High School, O’Plaine
campus. Each year, more than 3.5 million people in 5,000 communities in
the United States, along with additional communities in 19 other countries,
gather to take part in this global phenomenon and raise much-needed funds
and awareness to save lives from cancer. CTCU will be coordinating
fundraisers at all offices to raise money for this event. For more information
on how you can support the CTCU team please call 662-2050 x 200.
Madeline Lipka, President/CEO
Scholarship Applications Received
We are in the process of reviewing all of the scholarship applications that we have received. We certainly
have some qualified applicants this year! CTCU will be announcing the scholarship winners in the next
newsletter. Winners will be notified by their school. Thank you to everyone who submitted an application.
We wish you the best of luck.
Member Appreciation Day
Join us on Saturday, June 26th from 9am – Noon at our Gurnee office,
1313 Skokie Highway. This event is our way of saying ‘thank you’ to our
members and showing them how much we appreciate their loyalty. Hot dogs,
chips and soda will be served up by our employees.
The Last “Golden Ticket”
We will have one golden ticket that we will draw on Member Appreciation
Day. You may get a CTCU Wonka bar and a chance for the golden ticket by
opening a checking account with a $100 deposit, by booking a loan or opening
a VISA, or by referring a member who opens a checking account, books a loan,
or opens a VISA. The drawing will take place at 11:15am. The winner of that
golden ticket will be entered in with the other twenty-four golden tickets for a
chance to win $5,000. The final drawing will be at 11:30am.
Unlike traditional banks which work to serve shareholders, a Credit Union is a
not for profit financial cooperative owned and operated by its members.
Member Appreciation Day will help CTCU honor its member-owners and
showcase the full range of financial products and services available to them.
We hope to see you there!
Viking School Penny Drive
About six years ago, we donated a large fiberglass box to Viking School to
support their drive to collect one million pennies to be sent overseas for
underprivileged children. Although they have not hit the million penny
mark the students have decided to cash in their coins and send the money to
Haiti to show their support.
Several employees helped with picking up the coins from the school.
We counted a total of $1,854.86. That’s 185,485 pennies!
st. patrick’s day parade
Saturday, March 13
FINANCIAL
HOLIDAY CLOSING
Community Trust Credit Union will be closed on Monday, May 31st for Memorial Day.
ISSUE 2 2010
New Prescription Card Service
Free Discount Prescription Drug Card
This program is being provided at no cost to help lower prescription drug costs. Members can pick up a prescription card at any
of our offices or print off a card online on our website.
Log onto www.CTCU.org and simply create and print your FREE Prescription Drug Card and receive savings of up to 75%
(discounts average roughly 30%) at more than 4,000 national and regional pharmacies. This card can be used as your primary
plan and/or it can be used on prescriptions not covered by your insurance plan. This program also includes other value added
programs which will be listed on the card. Please enter your name and email address in the online form and we will generate a
printable membership card for you (no application/enrollment or eligibility required). This program has “LOWEST PRICE” logic
to guarantee that you get the best deal on your prescriptions. (You pay the lower of a discount off Average Wholesale Price-AWP,
discount off MAC Pricing, or Pharmacy Promotional/Retail price.) This card is pre-activated and can be used immediately.
Fee Schedule Change Notice (effective 5/01/10)
Account balancing/research per hour $20
Accounts closed within 6 mo. of opening $50
Account verification $10
Each ATM withdrawal in excess
of 6 per month will incur a charge of $1
Business Membership Fee $35
Business coin & currency orders
—coin, per roll $.10
—currency, per strap $1
—loose coin counting
1% of total coin
Cashier’s checks
—under $1,000 $3
—over $1,000 FREE
Chargebacks to business accounts $5
Copy of cleared check (includes cashier ck) $5
Overdrafts—ACH, ATM, Checking per item $30
Stop Payment $30
Returned deposit item $30
Citation to discover assets per hour $25
Collection, incoming/outgoing $15
Foreign check collection $15
Garnishment/Levies $100
Gift cheques (American Express) $2.50
Visa Gift Card $3.95
Statement -- returned $10
Money orders $2
Telephone Teller services $2
—(when ART or eBranch not utilized)
Safe deposit box rental
$45-$100
—(varies with box size, charged annually) Safe deposit box late payment charge $10
Safe deposit box re-key $10
Safe deposit box drilling $120
Statement copies, per statement $5
Domestic wire transfer $25
Foreign wire transfer $50
Western Union money wire $20
Western Union International money wire $50
ATM, MasterMoney Debit &
VISA Replacement $10
Non-active accounts
Accounts with less than a $500 balance with no
activity for one year and no other credit union services
will be assessed a Dormant Account Maintenance
charge of $10 per month.
CTCU Employees’
anniversaries
April
15
25
Wendy Gee (16 years)
Michael Drennan (9 years)
May
2
17
24
Nancy Artz (8 years)
Lynn Geier (17 years)
Tracy Johnson (17 years)
CTCU.ORG
Twenty-four
C T C U Wo n k a b a r s
will contain a
golden t icke ettowwoirnt h
a chanc
$5,000!
earn a CTCU wonka Bar
and a chance to win $5,000
when you do any of the following:
= Open a checking account with a minimum deposit of $100
= Book a loan or open a VISA®
= Refer a member who opens a checking account*†
April 2nd through June 26th:
June
4
21
FOCUS
Piera Hermes (9 years)
Michelle Fairbanks (17 years)
Lucky members receiving a ctcu wonka bar containing a golden ticket will be
entered for a chance to win $5,000! Stop in one of our branches or visit us online
at www.ctcu.org for more details.
Financial Focus is published quarterly for the members of Community Trust Credit Union.
OFFICES
PHONE SERVICES
OFFICE HOURS
BOARD OF DIRECTORS
1313 Skokie Highway
Gurnee, IL 60031
Contact us at 847-662-2050
Toll-free 877-342-4788
(outside of 847 area code)
Lobby
Mon-Thur
Fri
Sat
9:00 a.m. - 5:00 p.m.
9:00 a.m. - 6:00 p.m.
8:00 a.m. - noon
Drive-up
Mon-Thur
Fri
Sat
7:30 a.m. - 6:00 p.m.
7:30 a.m. - 7:00 p.m.
8:00 a.m. - noon
Madeline Lipka, President
Edward Clark, Chairman
Shawn Depke, Vice Chairman
Elmer (Bud) Reed, Secretary
Don Fontana, Treasurer
Gilbert Bennett, Sr.
Linda Wegge-Slipke
Gerald Crews
1263 N. Route 83
Grayslake, IL 60030
1380 Deep Lake Road
Lake Villa, IL 60046
Any Hour Loan Application
1-800-837-3059
ART – Audio Response Teller
847-775-1711
Toll-free 877-342-4788, option 8
(outside of 847 area code)
©2010 155661 LKCS • www.lk-cs.com
* Minimum deposit of $100.00. † Referring member must be
present with new member to receive the Wonka bar.
Stop in our Gurnee, Grayslake or Lake Villa of f ices for a chance to win!