NEWS FROM TAYLORVILLE COMMUNITY CREDIT UNION
Monday, May 29
Memorial Day
Tuesday, July 4
Independence Day
You have 24 / 7 access to your TCCU
accounts even when the offices are closed
(holidays, nights, weekends, etc.).
Just use these handy, time-saving services:
TCCU VISA Card, ATM or Debit Card, or
online at
www.taylorvillecommunitycreditunion.com
Just follow the prompts.
ANNUAL MEETING
HIGHLIGHTS
We know that any engineered vehicle may eventually break down. Whether
we’re talking cars, trucks, ATVs, motorcycles, etc.,
something’s ‘gonna give.’
And that’s exactly why we’re introducing expanded,
extended warranty coverages to our members. In
partnership with Route 66 Extended Warranty, you
can enjoy increased peace of mind. This expanded
line of coverage gives you that, wherever you travel
in the U.S. You’re protected against major mechanical
expenses – and there is NO DEDUCTIBLE on covered
parts and labor. And you get 24 / 7 Emergency
Roadside Service.
SPRING 2017
Sound good? There’s more. You receive towing, flat tire assistance, fluid
delivery, minor adjustments, and rental car allowance. PLUS – you enjoy a 30
day money back guarantee and coverages are transferable.
2017 Scholarship Winners Are... 2
TCCU Adds Staff in Hillsboro and Litchfield 2
Mark Your Calendars 2
Identity Theft Can Cost You Big-Time 3
Visa Is the Perfect Travel Partner 3
Travel Safe – Travel Smart 3
Holiday Closures 4
Annual Meeting Highlights 4
Introducing New Extended Warranty Coverages 4
Taylorville Community Credit Union’s 61st
Annual Meeting was celebrated on March 21st.
Thank you to everyone who helped make this
event another huge success. The event was
well attended and we enjoyed great food and a
number of prize giveaways. The Annual Meeting
is a time to celebrate our accomplishments of
the past year as well as to look forward to our
exciting future. Your credit union finished 2016
with 13.10% share growth and 2.41% membership
growth. When compared to our peer group of
credit unions, we ranked in the 93rd and 72nd
percentiles, respectively. Thanks to all of our members, TCCU
has enjoyed incredible growth. December 31, 2016 marked the
first time our credit union reached $50 million in assets. As of
March 31, 2017, our assets are over $53.6 million.
Get MORE Vehicle For LESS...
with a Loan from TCCU!
Rates as
LOW as
Total membership, product use and overall loan
portfolio continued their upward trends, as TCCU
management directs a steady growth. For the first
time in history, our assets totaled $50 million,
while we also saw growth in both shares (13.10%
increase) and membership (2.41% increase).
2.19
%*
APR
“These milestones can be attributed to the
combined efforts of all staff in our three
locations,” Perkins points out, “and the
continuing trust our members place with us in
meeting their financial service needs.”
Payback periods as long
as 72 months
Visit your local
TCCU office, or
call us today!
*APR = Annual Percentage Rate. Regular credit rules apply. Not all applicants will qualify. The 2.19%
APR is for 2015-2017 auto loans with a 36 month term. Payment of $28.74 per $1,000 borrowed.
TAYLORVILLE
HILLSBORO
LITCHFIELD
422 W. MAIN CROSS ST.
217-824-9658
138 E. WOOD ST.
217-532-5300
801 W. UNION AVE.
217-324-7496
www.taylorvillecommunitycreditunion.com
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Pick a plan that’s just right for you and your budget. Visit your local TCCU
office to learn more, or visit www.taylorvillecommunitycreditunion.com
for more details.
Attendees at this year’s annual meeting heard
TCCU President, Will Perkins, provide both
reflections and projections during his report. As
noted in the President’s Column on the front
page, 2016 was a good year for TCCU and its
members.
2017 Board Directors
TCCU’s new Board Directors were elected, all of
whom are TCCU members and who serve on
the Board on a volunteer basis. Members of the
TCCU Board of Directors are: Tom Bellegante,
Jim Dowdy, Vance Fraley, James Harrison, Mike
Kennedy, Will Perkins, Doug Ruddock, Paul
Schmitz, and Kim Sparks.
INSIDE THIS ISSUE
All TCCU offices will be closed
in observance of the
upcoming holidays:
INTRODUCING – NEW EXTENDED
WARRANTY INSURANCE COVERAGES
TCCU Times is a publication of Taylorville Community Credit Union.
422 W. Main Cross Street., Taylorville, IL 62568. 217-824-9658
NCUA accounts federally insured to $250,000.
NCUA is an agency of the U.S. government.
LETTER FROM THE PRESIDENT
Holiday Closures
The 2017-2018 Board of Directors was elected at the annual
meeting. They are Vance Fraley, Kim Sparks, Tom Bellegante,
Doug Ruddock, Jim Harrison, Mike Kennedy, Jim Dowdy, Paul
Schmitz, and myself. I would like to thank all of our directors
for the time that they spend reviewing loans, performing
audits, and attending meetings. Being a director of a credit
union consumes a lot of hours, and it is a volunteer position.
Our directors do an excellent job and embody the credit union
philosophy of “people helping people.”
Speaking of an excellent job, Kevin Stich has decided to retire
from the Board of Directors after more than 40 years of service.
Kevin was the longest serving President and Chief Executive
Officer our credit union has had. The growth our credit union
experienced over his tenure is truly amazing. Kevin has been a
huge help to me in my three plus years at the credit union, and
I wish him well in retirement. Not a day goes by that I don’t
hear a great story about Kevin. In fact, just two days ago a local
business owner told me that Kevin Stich is largely responsible
for the growth and success of his business. Kevin has made an
immense impact on this credit union, but more importantly,
on the members of the community. Thank you for all you have
done for this credit union and for me personally. I wish you all
the best in retirement my friend!
Sincerely,
Will Perkins
President
THIRD ANNUAL
FREEDOM TREE
TO TAKE ROOT
For the third consecutive year, all TCCU locations will
collect boxed and canned food items – as well as
personal items such as soap, shampoo, paper goods,
etc. – for donation to local food pantries. This year’s
Freedom Tree collection campaign runs from
Monday, June 5th, through Friday, July 14th.
“We expect an increase in donations again this year,”
says Consuela France, TCCU Vice President of Lending
and Marketing. “More people are aware of the effort,
after the two previous years, and they know their
donations are kept right here in our local
communities, benefiting local food pantries and
residents in need.”
France points out that cash donations also are
accepted, in addition to those of canned and boxed
food items. “The pantries use this cash to purchase
more of the needed items.
“Residents within the TCCU field of membership –
Montgomery, Christian, and Shelby Counties – have
been very generous the first two years of the
campaign,” France points out. “And it’s not just TCCU
members who donate – it’s other community
residents, as well. This is a program that anyone can
support, and one that directly benefits our local
residents in need.”
Donations can be dropped off at any
of the three TCCU locations:
422 W. Main Cross St., Taylorville;
138 E. Wood St., Hillsboro;
801 W. Union Ave.,
Litchfield.
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2017 SCHOLARSHIP WINNERS ARE …
IDENTITY THEFT CAN COST YOU BIG-TIME
to be announced in May! February 28th was the last day to vote in the 3rd Annual TCCU Scholarship program, and a record number of
ballots – and total votes – were cast for registered students. Votes are being tabulated by an outside resource – no one at TCCU will know
the results until May, when we notify the winning students and place news announcements with the local media.
(This is the fourth in our series of articles highlighting
Personal and Financial Safety, and how to help ensure both.
This issue, we examine Identity theft.)
• Mail diversion, by completing a “Change of Address” form,
or calling credit card issuers (pretending to be you) asking to
change the mailing address on credit card accounts.
In the meantime, we again thank all of the businesses that participated in the 2016-17 Scholarship promotion.
Identity theft has become one of the fastest growing crimes.
In America alone, more than 28 million people have become
victims in the past five years. They steal your identity, and use
it to purchase cars, consumer goods, mortgages and more … all
the while, ruining your credit and reputation.
The thieves’ next step is to:
• Open new credit card accounts (using your stolen
information), use the credit cards and don’t pay the bills.
Sometimes, they will pay the minimum amount due just to
keep the card active
• Establish phone / wireless phone service in your name
• Open bank accounts in your name and write bad checks
• Buy cars / homes in your name, based on loans taken out
with your stolen information
Taylorville businesses
A Classic Bouquet
Amenities on Main
Anderson Jewelers
Angelo’s
Audrey’s Boutique
& Luxuries
Battery Specialists
Bella Amore
Betty Rose’s Furniture
Contemporary Cuts
Cottage Rose
Dana’s Book
Exchange
Doc’s Home
Appliance / Bedding
Florinda’s Pizza
Glik’s
Hair Studio
JMA Pawn Jewelry
& Loan
Karma
Little Luxuries
Los Rancheros
Mathon’s Awning
& Upholstery
Rebecca’s Antiques
Rene’s Drug Store
RJ’s Treasures
Samurai Sushi
(The) Upper Cut
The Wooden Flower
Wendy’s
Litchfield businesses
Briar Rose
Creative Flair
Gianni’s Pizza
Glik’s
K-9 and Cat Salon
Lindsay’s RC Hobbies
Hillsboro businesses
Books & Moore
BosscoTech
Chambers Floor Coverings
Gianni’s Pizza
(The) Hair Gallery
(The) Hair Zone
Hillsboro Garden Family Restaurant
(The) Holiday Shop
John’s Medical Pharmacy
Resale Station
Sage On Sage
Salvation Army Thrift Store
Sullivan’s Drugs
Sweet Addictions
Tan Lines Hair Designs
Tattered Threads
Tee-Shirts, Ink
TCCU ADDS STAFF IN
HILLSBORO AND LITCHFIELD
MARK YOUR
CALENDARS
The staffs at TCCU offices in Hillsboro and Litchfield recently welcomed new
personnel to their workforces.
As good weather approaches and your social
calendar begins to fill up, don’t forget these
important dates and events:
Todd Maxwell joined TCCU-Hillsboro as Loan
Officer / Vice President.
His 27-year career in financial services serves him well
for his duties at TCCU-Hillsboro. In addition to having
served as Vice President / Loan Officer at Hillsboro
National Bank for the past 15 years, he also has
considerable experience in collections, management
and commercial / business lending.
“The credit union is a completely different
environment,” Maxwell points out, “because we are
not-for-profit. Here, I’m looking for ways to help our
Todd Maxwell
members get the loan they need, not looking for ways
to turn down their request. TCCU-Hillsboro is really community- and memberbased – and it’s a great environment and philosophy.”
Maxwell is a Mt. Zion native; he and his wife reside in Raymond.
In TCCU-Litchfield, Carrigan Watters is quickly
learning the steps and processes of her duties as a
Teller. She is responsible for account service, assisting
members in their day-to-day financial transactions,
including deposits, withdrawals, account balances,
and more.
Carrigan Watters
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Petal Pushers
Sullivan’s Drugs
(The) Treasure Room
WAM Computers
Wernsing’s Appliance
Whiskey River Dry Goods
“This is my first full-time job,” she admits, “and I’m
excited about learning everything I can at TCCU. It is a
great environment, with good people to work with as
well as to serve. It’s a real pleasure working with the
members each day.”
Watters is a life-long resident of Hillsboro.
Friday, May 26th
Member
Appreciation Day
(Litchfield)
Wednesday, June 7th
Member
Appreciation Day
(Taylorville)
How does this happen – and what can be done to help
avoid it?
Identity theft is the unauthorized use of another person’s
personal identifying information. This includes name, address,
date of birth, social security number, mother’s maiden name,
access codes, PINs, credit card numbers, passwords, credit
reports, etc.
The thieves steal your information without your knowledge,
with the goal to spend as much money as possible before you
become aware of the theft. And unfortunately, we sometimes
make it easy for thieves to gain access to our personal
information.
• Lost / stolen wallet or purse.
• Mail theft, of bank and credit card statements, pre-approved
credit offers, telephone calling cards, tax information
and more
• Hacking your internet accounts
• Stealing information from your garbage, places where you
do business
• Even gaining access by stealing / hacking information
from your employer. Businesses are not immune from
identity theft!
• Buy personal information from inside sources: bank,
restaurant, and other businesses’ employees
Credit bureaus must give you a free copy of your credit report
if your report is inaccurate due to fraud. If fraudulent accounts
are listed, have them removed. (The credit card company or
organization that provided the information is responsible for
having it removed, under the Fair Credit Reporting Act).
In the next newsletter we will give some simple tips to ensure
you don’t fall victim to these practices.
TRAVEL SAFE –
TRAVEL SMART
With summer fast approaching, our thoughts naturally go
to summer travels: where and when to go, how to get there,
how long to stay … and what to take with us.
When you DO travel, make sure you – and your money – are
safe. Use your TCCU VISA Card, and couple it with the TCCU
Debit Card. Together, they provide guaranteed safety, ease of
use and convenience.
Regardless of where you go or for how long, there is one
thing you MUST take with you: TCCU’s low-interest, VISA
Card. It’s the best traveling companion you could ask for.
• LOW interest rate (9.99% APR) SAVES you money!
• Accepted nearly everywhere
• Takes up SO little space in your wallet –
yet offers such BIG benefits
• FREE cash advances
Third Annual
‘Freedom Tree’
Food Drive
Request a “Fraud Alert” on your file; request that creditors call
you before opening any new accounts or changing existing
accounts.
VISA IS THE PERFECT
TRAVEL PARTNER
• Features ID protection / anti-fraud ‘chip’
Monday, June 5 –
Friday, July 14:
If you become a victim of ID theft, take
action as soon as possible.
Contact the Fraud Departments of the three
major credit bureaus:
Equifax: 800-685-1111
Experian: 888-397-3742
Trans-Union: 800-916-8800
Whenever – and wherever – your
travels may take you (even if it’s only
to go shopping locally!), TCCU’s VISA
Card is the one companion you must
take along.
IMPORTANT REMINDER: When you do plan a trip outof-state or out of the country, ALERT TCCU OF YOUR TRAVEL
PLANS IN ADVANCE.
Because of increasing fraud and
identity theft, some U.S. states and
numerous countries around the
world have instituted automatic
blocks on cards. THIS IS FOR YOUR
SAFETY.
To avoid any inconvenience when
you use your TCCU cards, just give us a
heads up. Visit your local TCCU office or call
us – let us know your travel plans. We can
ensure your cards are not blocked and will be
available for use.
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