Source
the
❱〉〉 Fall 2014
Inside: Designing 4 Hope 〉 Scholarship Winners 〉 Financial Planning Today 〉
CELEBRATING
❱〉〉 65 Years Of Giving
And Still Growing Strong!
As we continue this milestone anniversary year, the staff, management and Board
of Directors of Tri County Area FCU wish to acknowledge our members for their
contribution to the Credit Union’s success. Over the years, we, as a Credit Union family,
have been giving back to the community, sharing our time and resources – all of which
have made a difference. With your support, we will continue to tell our story for many
years to come.
Thank you to our members and local Pottstown Mercury
readers for voting us the number one Credit Union for
the seventh year in a row.
of giving
We’re thankful to be voted
#1 Credit Union for the
seventh year in a row!
❱〉〉 Operation Backpack Needs Your
Donations To Help Local Students
Operation Backpack, a non-profit organization, works to help the homeless and hungry students in our community
succeed. Volunteers pack donated items into backpacks, which are sent out to qualifying students who discretely pick up
the backpacks each Friday and return them on Monday.
Tri County will be collecting donations at each branch throughout October. Please visit tcafcu.org for the Pre-Approved
Shopping List.
For more information about Operation Backpack,
contact Lisa Heverly at [email protected]
or call 484-374-8754.
❱〉〉 Tri County Area FCU Donates
To Designing 4 Hope
Tri County Area FCU continues its tradition of supporting Designing 4 Hope, a local non-profit that helps
critically ill children and their families by giving them dream bedroom makeovers, with a $10,000 Annual Donation.
On Saturday, July 12th, a group of TCAFCU Employees volunteered their time and worked with the Designing 4 Hope team to create
bedroom makeovers for Pottstown brothers, Jake, 10, and Ryan, 7. Both brothers have been diagnosed with Duchenne Muscular Dystrophy.
“I enjoy helping out with the makeovers because I cannot imagine the struggles these families encounter on a daily basis.
I love seeing their smiles when the room is unveiled. What a simple way to brighten a child’s world!” said Alice from TCAFCU.
“It is so exciting to see the children’s faces light up when they see how fabulous their room looks! That’s what I look forward to,”
said TCAFCU staff member DonnaMarie.
Jake and Ryan’s mother confirmed the boys’ contentment with their new spaces. “The boys slept very well last night! Ryan kept
saying, ‘My room is awesome!’ Jake has been making use of all the storage nooks and adding his Lego collection back one by one.
You did such a thoughtful, wonderful job. Thanks again!”
This room makeover was funded by sponsorship from TCAFCU. Stay up to date on all our makeovers by liking us on Facebook.
The goal of Designing 4 Hope is to design and renovate critically ill children’s rooms, providing them with a special place to rest, recover,
heal and dream. Their hope is to help them forget about hospitals, treatments and needles for just a little while. To learn more, please visit
www.designing4hope.org, and like them on Facebook.
CONTACT: [email protected], 484-758-0779, PO Box 845, Royersford, PA 19468
❱〉〉 TCAFCU Scholarship
Winners
Congratulations to Alexandra Montes of Pottstown, the
winner of this year’s TCAFCU $1,500 Annual Scholarship!
Alexandra graduated from Owen J. Roberts High School
and is attending Ursinus College.
Congratulations also to Tyler Hallenbeck, winner
of the $500 TCAFCU Scholarship at Pottstown
High School, and Jenna Caciolo, winner of
the $500 TCAFCU Scholarship at Upper
Perkiomen High School. Both students
are attending York College.
Tri County Area FCU CEO/
President Andy Pistoria presents
Alexandra Montes of Pottstown with
her winning scholarship check
❱〉〉 International Credit
Union Day Is
October 16th
This Year’s Theme For ICU Day Is
“Local Service. Global Good.”
You can get involved locally by supporting our causes,
including Operation Backpack and Designing 4 Hope.
Please see stories in this newsletter for more information.
To help celebrate, please join us for free refreshments
in our branch lobbies on October 16th.
T
Bill Zane, CRPC® | Financial Advisor
Located at: Tri County Area Federal Credit Union
Office: 610-326-1570 Toll Free: 800-324-9008
[email protected]
tricountyareainvestment.com
❱〉〉 Do More Than Dream. PLAN.
We all have our dreams – of career, family or a comfortable retirement.
But realizing those dreams takes foresight, planning and
a serious investment in your future. Call me to discuss how I can help.
Do you have a financial
“Plan B?”
Ask me about running a FREE
life insurance needs analysis.
Whatever your goals, we
can help you get there.
Call 610-326-1570
today to schedule
your no-cost, no
obligation life
insurance review.
❱〉〉 Simple Steps In The
Financial Planning Process
I can help establish a baseline for your financial well being for years to come.
Together we will:
• Review your overall personal financial situation, past and present, to ascertain your
financial objectives.
• Help you set your priorities for the future — education costs, retirement or prudent
investments.
• Help you determine the degree of risk you are comfortable with when it comes to
your money. Risk is balanced against your desire to make your money grow over time.
• Identify the resources you will need to meet your goals and outline a systematic
program to enable you to meet tomorrow’s objectives.
• Offer solutions for reaching your goals by recommending the types of financial
investments we feel are best suited to your needs.
• Help you monitor and update plan recommendations.
Start securing your financial future today. I can help you build your comprehensive
financial plan. Call to schedule your no-cost, no obligation meeting.
❱〉〉 Do you have a Roth
IRA in your Financial
Tool Kit?
While Roth IRA contributions do not reduce taxable income, the
most distinctive benefit of the Roth IRA is that it offers tax-free
withdrawal of funds starting at age 59-1/2 or when the person
retires, as long as certain requirements are met. This option
could be good for those who anticipate being in a higher tax
bracket upon retirement. The Roth has no required minimum
withdrawals during the lifetime of the account owner; after
death, required withdrawals apply to the account’s beneficiary.
The beneficiary takes these distributions tax-free while the
balance of the plan continues to grow tax free.
To discuss if a Roth IRA option may be the best retirement
savings vehicle for your financial situation, call today and
schedule a no-cost, no-obligation meeting.
Registered Representative of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services and certain insurance
products and are not affiliated with Tri County Area FCU or Tri County Area Investment & Retirement Services. Products offered are: • Not insured by the NCUA • not a deposit or other
obligation of guaranteed by any credit union • subject to risks including the possible loss of principal amount invested. 09-14/120050
Bulletin Board
Keep Your Accounts Active
Notice: Recent changes in Pennsylvania’s
Unclaimed Property Law will have a
significant impact on account holders.
There has been a reduction in the dormancy
period from 5 to 3 years for holders. We are
required to send dormant funds to the state if
we are unable to locate the owner after 3 years
of no contact. To avoid this, keep your account
information current. For more information,
please visit http://www.patreasury.gov/
UnclaimedPropertyLawChanges.html.
Keep In Touch With TCAFCU
Stay in touch with your Credit Union for all the
latest news, events and specials.
• Give us your valid email address to receive
email updates
• Like us on Facebook
• Follow us on Twitter
❱〉〉 Refinance Before The Holidays
Saving before the holidays is a wise idea, and refinancing your loans to start saving is even better.
TCAFCU offers great rates, especially on Auto Loans, Home Equity Loans and Credit Cards.
By refinancing your loans with TCAFCU you could save some extra money that may help you with holiday
shopping. Our Lending Specialists can help you review your finances and make the most of your hard
earned money. Why pay more interest than you need to? Call us today at 610-326-3705 to schedule
an appointment.
❱〉〉 Skip-A-Pay Is Back
Holiday Closings
Columbus Day – Monday, October 13
Veterans’ Day – Tuesday, November 11
Thanksgiving Day – Thursday, November 27
Christmas Eve – Wednesday, December 24
(closing 2 pm)
Christmas Day – Thursday, December 25
New Year’s Eve – Wednesday, December 31
(closing 2 pm)
New Year’s Day – Thursday, January 1
elcome Back
W
To School
Tri County Area FCU welcomes back all area
students and faculty for the new school year. Now
that school is back in session, our Pottstown and
Pottsgrove High School branches are in full swing.
Sign up today for a Student Checking Account or
take advantage of our First Time Auto Program.
Learn more at www.tcafcu.org.
Our Skip-A-Pay* program, which allows members in good standing to skip
one month’s loan payment and use the extra cash for whatever they may
need, is back! Visit the Credit Union for more details.
*$30 per loan. When you choose to skip a loan payment, interest will continue to accrue on
your balance. Your next minimum payment will be due as usual the following month.
Offer valid on consumer loans. Visit the Credit Union for complete details.
65 Years Of Stories – Tell Us Yours
Back in 1949, when we started business as Firestone #336 Federal Credit Union, we had just eight members.
Jump forward 65 years and two name changes, and Tri County Area FCU now has over 13,000 members.
Each member has his or her own story, be it about our service, our history or the community. Our staff
is asking members to tell their stories and give their feedback. Here is one from our member Joel, who
joined because his wife was already a member.
“Our TCAFCU Lending Specialist was wonderful, patient and incredibly helpful with our
loan questions. She got us set up the very same day we met with her! She saved us
about $500 per month, and we will be back with our future financial needs.”
We love hearing from our members and we want to hear your stories. Please visit a branch to submit
your story, or visit the Contact Us page on our website, www.tcafcu.org, to give us your feedback.
1550 Medical Drive, Pottstown, PA 19464
110 Pottstown Ave., Pennsburg, PA 18073
www.tcafcu.org | 610-326-3705
14-00537