Second Quarter 2015
Putting You First,
Keeps Us First!
Issue
Highlights
We Do Vehicle Loans
HELOC: The Do it All
Line of Credit!
We are in Your
Neighborhood South
Schuylkill!
Annual Meeting and
Election
Meet the Staff
SMS Mobile Banking
Coming Soon!
HRCU Fun Facts
A Better Way to Pay for
College
HRCU Announces the
Virgil C. Scott, Honorary
Scholarship
Member Survey
Rates at a Glance
What Members Are Saying
Locations
Board of Directors/Officers
Holiday Closings
Quick Response Reader
can be used virtually
everywhere in the
world, to get a Quick
Response Reader,
download the reader
from your respective application store.
Once you have the Quick Response
Reader on your mobile device, you can
scan a quick response tag and it will
automatically open the website to which
it is linked.
WE DO LOANS.
Let us help you with yours!
New Vehicle rates as low as 1.29% APR*!
Signature Loan rates as low as
Used Vehicle rates as low as
9.99% APR*!
1.49%
Quick Cash Loan rates as low as
APR*!
12.99% APR*!
Other loan options available to fit your financial needs.
HELOC-The Do it All Line of Credit!
You may be sitting on a ton of equity that could be reinvested to pay
for home improvements, college 1069 tuition, or meet a variety of
borrowing needs, such as debt consolidation or an unexpected
emergency. Tap into that equity today with a Home Equity
Line of Credit from Hidden River Credit Union!
A Home Equity Line of Credit works more like a
credit card, unlike a traditional Home Equity Loan.
The borrower uses the equity in their home to
establish a line of credit that can be drawn on,
repaid, and drawn on again, without having
to apply for a new loan. This gives you
more flexibility to access your money,
when you need it, at a more affordable
rate.
Call or stop in our
Pottsville location
to talk to a Lending
Representative TODAY!
12 Month Intro
Rate of
2.49% APR**
Founded by a small group of educators in 1953, to better serve the financial needs of their peers and community.
We are in Your Neighborhood
South Schuylkill!
Remember, HRCU has a full service branch, with a drive up ATM
and lending staff, in southern Schuylkill County! The south Schuylkill
branch is located at 629 W. Market Street, Orwigsburg and is open
Monday thru Thursday 7:30AM till 4:30PM, Friday 7:30AM till 6:00PM
and Saturday (drive thru only) from 9:00AM till 1:00PM. Stop in today
and see what the Orwigsburg branch can do for you!
Annual Meeting and Election
The Credit Union’s 62nd Annual Meeting and Election will be held at
9:00AM, Wednesday, April 22nd, 2015, in the Albert T. Freeman Community
Room, located in the Pottsville office.
In accordance with the Credit Union’s bylaws, the President of the
Board shall appoint a nominating committee at least 20 days prior to the
Annual Meeting. It shall be the duty of the nominating committee at the
Annual Meeting to nominate one or more members for each vacancy for
which elections are being held. After the nominations of the commitee
have been placed before the members, the presiding officer shall call for
nominations from the floor.
The election shall be conducted by ballot, except when there is only
one nominee for the office. All elections shall be by plurality vote. The
nominating committee was appointed at the December 2014 board meeting.
In 2015, Richard Ketz, Robert
Stablum and Robert
Connelly are
currently
members of
the board of
directors that
are running for
re-election.
Meet the Staff
Say hello to Patrick Byrnes!
Patrick joined the HRCU staff 14
years ago and is currently the
Accounting and Administration
Supervisor. Patrick graduated
from Nativity BVM HS, and he
earned his Associate Degree
in Business Administration,
and a Bachelor’s in General
Psychology at Penn State
University. A few of Pat’s favorite things are cars, walking,
remodeling homes and watching HGTV and DIY network
which contributed to his flipping several homes. Pat
would love to travel when he is retired. He might even
work at an antique store or upscale thrift store, although
he would probably buy more things than he would sell!
Patrick enjoys working at the credit union because of his
co-workers and the fact that Hidden River Credit Union is
focused on providing excellent 2298 member service. If
you get a chance to see Patrick, make sure you ask what
project he’s working on now!
Wondering Why Members are
Raving about HRCU’s Mobile
Account Access? Try it for
Yourself!
Download Hidden River Credit Union’s FREE Mobile
Account Access App, from your mobile device’s app
store (Apple and Android only), and access your HRCU
account anywhere! By utilizing HRCU’s Mobile Account
Access App you’ll have the ability to check real time
balances, track account history, transfer funds within
or to separate accounts, and access HRCU’s Bill Pay
among other features.
A new feature available from Mobile Account
Access is Text Message account access! Text message
account access allows you to receive your account
balances and recent account history by sending a text
to 860-20.
Simply text the following to 860-20:
•
B to obtain all account balances
•
H to receive the five most recent
transactions for all accounts
•
H acct to receive the five most recent transactions
for a specific account (e.g. H S01)
•
MENU to receive a list of available commands
options
•
STOP to deactivate text mobile banking
Note, standard text message and data rates
from your phone carrier will apply. Message
frequency depends on account settings.
A Better Way to Pay for College From a Financial
Institution You Can Trust!
Hidden River Credit Union’s Student Choice Private Loan Solution
With zero origination fees, lower interest rates and flexible repayment
options, it is easy to see why our private student loan solution is a better way to pay for
college. Whether you are a student yourself or the parent of a student, Hidden River Credit
Union is here to help.
Coming Soon!
This summer, you may notice an
added feature to the credit union’s OutReach 24/7 Mobile App! This new feature
will allow you to send funds to friends,
family, and merchants from your HRCU
account to their PayPal account, you do
not need to have a PayPal account to send
funds, only to receive them. A release date
is coming soon!
Hidden River Credit Union’s Student Choice private loan solution will help fill funding
gaps that federal aid can leave behind. As the cost of both public and private colleges and
universities 2781 continues to increase, federal funding has not kept pace. This growing
gap between what college costs and the financial aid available is causing many families to
resort to higher cost private student loans to pay for higher education.
Since Hidden River Credit Union is here for one reason only – to serve our members
– we are able to offer more competitive student loan options and save you money. Read
more about how to choose student loans and the
financial aid process in general by visiting www.
hdriver.studentchoice.org.
Remember, Hidden River Credit Union’s goal is not
just to help you fund a college education for yourself or
a family member, but to become your financial partner
for life. Visit us online to apply or find out more about our
full-range of products designed just for young adults.
HRCU FUN FACTS
In any given year, no month ever begins
or ends on the same day of the week as
May does.
April begins on the same day of the week
as July every single year.
Dots on dice and dominoes are called
pips.
Please join us on Wednesday, April 29th, 2015 at 5:30PM
in our Pottsville branch’s Albert T. Freeman Community Room for our annual Student
Lending Seminar. Please call 570-622-3399 or 570-366-8800 to reserve your seat today,
seats are very limited!
HRCU Announces the Virgil C. Scott, Honorary
Scholarship for Volunteer Community Service!
June in the Northern Hemisphere is
similar to the month of December in the
Southern Hemisphere.
On April 19th, 2012, the
Board of Directors of HRCU
approved the Virgil C. Scott,
Honorary Scholarship for
Volunteer Community Service.
The longest day of the year occurs on
either June 21st or 22nd.
Sunflowers move throughout the day
in response to the movement of the sun
from east to west.
Small pockets of air inside cranberries
cause them to bounce and float in water.
Squirrels plant thousands of new trees
each year simply by forgetting where
they put their acorns.
Butterflies taste with their feet.
The muscle that lets your eye blink is the
fastest muscle in your body, allowing you
to blink 5 times a second.
The scholarship is named
for Virgil Scott (“Scotty” to his
friends), an educator and former
member of the credit union’s
board. Scotty was someone who
honored and represented the
very idea of community service as well as the credit union movements’ philosophy of
“people helping people”. The primary basis for awarding the scholarship is demonstrating
enthusiasm for volunteer community service in which the credit union’s philosophy of
“people helping people” is recognized.
Eligibility and application requirements apply, and are available at www.hdriver.org.
Completed applications must be postmarked prior to the May 15th deadline. Please see
the eligibility and application procedures for complete details at www.hdriver.org.
In 2015 two $750 scholarships for community service will be awarded to one male
and one female eligible applicant. Awards will be payable to the recipient.
Be sure to apply!
Member Survey
POTTSVILLE
Name:__________________________________________________________________________
City:____________________________________________________________________________
How long have you been a member?:_______________________________________________
Please address any questions, concerns, or comments:_________________________
________________________________________________________________
________________________________________________________________
________________________________________________________________
________________________________________________________________ *You can return this survey to either of HRCU’s branch locations or mail to – Hidden River Credit Union, Attn: Marketing
Department, 60 Westwood Road, Pottsville, PA 17901-1834. **By completing and returning the survey above to the
credit union, you authorize the credit union to publish your experience in HRCU’s quarterly newsletter or HRCU’s
website, unless otherwise noted.
Rates
at a Glance
Recreational Vehicle
New..........................3.49%APR
Used.........................4.49%APR
What Members are Saying
The CU treats its members like family! Please
keep doing what you do! It’s perfect as is!
Please remain the same, the Hidden River Credit
Regular Savings
Union experience is bar none, the BEST!
($5 to $1000)..................0.05%APY
-Carol M., Pine Grove, PA
Thank you for a great job!
Checking................. 0.07%APY
-Ronald H., Pine Grove, PA
Christmas, Vacation and Tax
Club Accounts......... 0.12%APY
(all types)....................0.45%APY
Please call or visit
www.hdriver.org for
up to date rates!
Board of Directors
Charles Lantz, President
George Zwiebel, Vice President
Robert Stablum, Treasurer
Linda Bollinger, Secretary
Robert Connelly, Director
Richard Ketz, Director
Mary Ellen Setlock, Director
Holiday Closings
GOOD FRIDAY
Friday, April 3– Close at 1pm
MEMORIAL DAY
($1001 to $5000).............0.08%APY
IRA Savings
ORWIGSBURG
629 W. Market Street
Orwigsburg, PA 17961
Phone: 570.366.8800
Fax: 570.366.0780
Monday-Thursday 7:30AM-4:30 PM
Friday 7:30AM-6:00PM
Saturday 9:00AM-1:00PM
Drive Thru ONLY
-Sharon L., Pottsville, PA
Home Equity
Line of Credit...........2.49%APR
Above $5000..................0.10%APY
60 Westwood Road
Pottsville, PA 17901
Phone: 570.622.3399
Fax: 570.622.5801
Monday-Thursday 7:30AM-4:30 PM
Friday 7:30AM-6:00PM
Saturday 9:00AM-1:00PM
Drive Thru ONLY
We welcome and appreciate any form of
feedback and will continue to do our best to
serve you better.
–Missy Garland, Marketing Coordinator
APR = Annual Percentage Rate. APY
= Annual Percentage Yield. Rates and
terms are subject to change without
prior notice.
Feeling Lucky?
You just might be! Hidden in this newsletter are three account numbers. If you find your
account number printed in the correct order in this issue you’re the winner of $20.00. Just call
us during our regular business hours and we’ll deposit your $20.00 prize to your regular share
account. GOOD LUCK!
Monday, May 25– Closed
*APR (Annual Percentage Rate). HRCU will finance up to the
Manufacturer's Suggested Retail Price (MSRP) plus tax, tags,
documentation and warranties for NEW vehicles. HRCU will finance
up to the maximum approved by policy of the value of the vehicle for
a USED or Re-financed vehicle based on the NADA, Kelley Blue Book
or other authorized guide when determining used vehicle values.
Minimum loan amount is $5,000. Rates based on credit worthiness,
so interest rate may differ. The interest rate applied may be higher
based on the applicant's credit worthiness or vehicle value. HRCU
makes all final determinations regarding the vehicle value and
applied interest rate. Rates and terms current as of 03/01/15 and are
subject to change without prior notice. See the LOANLINER Credit
and Security Agreements available from the credit union. Interest
rate discount or promotional rate offered is available for new loan
applications and includes all available discounts.
**APR (Annual Percentage Rate). Rates current as of 03/01/15 and are
subject to change without prior notice. The APR expressed above is a
VARIABLE rate and applies to an 80% loan-to-value (LTV) Home Equity
Loan. The applied Interest Rate will equal the major bank Prime Rate
plus 0.50% as published in the Wall Street Journal on either January
15th or July 15th of the last calendar period. The interest rate applied
cannot increase or decrease more than 2.50% at each potential
adjustment. The minimum APR is 4%. The maximum rate can never
exceed 18%. The minimum loan amount is $10,000 (credit line), and
the minimum advance is $500. The maximum loan amount for a
HELOC is $100,000. Rates based on credit worthiness, so interest rate
may differ. Monthly payment may vary. A five year advance period
applies with a twenty year repayment term from the date of the last
advance. Interest rate discount or promotional rate is available for
new Equity Loan applications and is the effective interest rate for one
year from the date of loan origination. Loan will revert to market rate
in effect with the expiration of the promotion or discount. No other
discounts apply.
HRCU is federally insured by the NATIONAL CREDIT UNION
ADMINISTRATION. EQUAL OPPORTUNITY LENDER.