WAV
A ES
Summer 2014
Credit & Debit Card Processor Upgrade
This July, we will be undergoing a credit and debit card
processor upgrade. This upgrade will allow for more
automated payment options, better rewards, consolidated
statements, easier access through online banking, and
more!
Things to note for Credit Card holders:
• Our new payment address is: Day Air Credit Union, PO
Box 292980, Wilmington Pike, Kettering, OH 45429
• Credit Card statements will be consolidated into one Day
Air account statement.
• Credit card history will be able to be viewed directly in
It’s Me 247 online banking.
Let us help you find & fund your home!
Blue skies are back. Ice cream trucks are in the streets.
And now, For Sale signs are popping up all around
town. If that means there might be a new home in your
future, then be sure you buy using our Home Advantage
program at https://dayair.mycuhomeadvantage.com.
With this valuable tool, you can search for homes,
research neighborhoods, find a realtor and earn a rebate
when you use a realtor from our network! Plus, our
mortgage experts will get you approved for the right
mortgage at the right rate.
Enroll in Home Advantage
today and be sure to get
pre-approved to know how
much house you can afford!
Holidays Observed
Holidays
Observed
Your credit
union will be closed for the following holidays:
..........
Independence Day .................................................................................................................................
July 4
President’s Day .............................
dayair.org
dayair.org
Don’t Let Banking
Slow You Down
Now, the power to manage your
finances… is in the palm of your hand!
Did you know that the number of mobile banking users worldwide is
doubling every year, and it’s for good reason? Mobile banking is easy,
convenient and saves you money! Just download our app in your phones
app store or visit m.dayair.org and do your banking on your time.
You can also enroll in text banking by clicking on the “Go Mobile” button
on the It’s Me 247 toolbar. Then select Text Banking Home to access the
enrollment screens. After enrollment, text commands to IM247 (46247).
With a Day Air Credit Union account, it’s like having a branch with you on
the go. Deposit checks, transfer money, pay loans, and more – all from
your computer, phone or tablet. Life is busy, don’t let banking slow you
down.
President’s Message
Dear Members,
Can you believe we are already halfway through the year? Time sure flies when you’re
having fun - and working hard. Your credit union has been growing by leaps and
bounds these past few months, increasing membership by 8.2% and growing loans by
21%!
Looking forward, there are a few things to highlight. This July, we will undergo a credit
and debit card processor upgrade, allowing us to provide better service, consolidated
statements, easier payment options, and an enhanced rewards program. Please be
aware of any messages we send regarding this change. Also, we have just re-introduced
our Bump Up Certificates to allow for greater flexibility in today’s rate environment. This
product allows a one-time rate bump over the life of the certificate!
Being a financial cooperative, we are built around meeting the needs of our members and community, not
maximizing profit. Every day we receive letters, emails and notes from members like you who we have had the
opportunity to help financially. From credit score enhancement to creating a household budget, we exist to
improve your financial condition. You are the owners of the credit union, so please let us know what we can do
financially to improve your life.
We hope you will do all of your financial business at your member-owned Credit Union, and tell your friends and
relatives about us. Day Air is here to serve you!
William J. Burke, President & CEO
dayair.org
Investment Vocabulary
Ever wanted to know what all of those words mean when
your looking to invest?
Risk Tolerance: The degree of uncertainty that
an investor can handle in regard to a negative
change in the value of his or her portfolio.
Capital: Financial assets or the financial value
of assets, such as cash.
Annuity: A financial product
sold by financial institutions that is
designed to accept and grow funds from
and individual and then, upon annuitization, pay
out a stream of payments at a later ponit in time.
Dividend: Payment to shareholders, on a per-
Stock: A certificate documenting the sharholder’s
Above Par: A term used to describe the price
Bull Market: A financial market of a group of securities in
share basis, out of the company’s earnings.
of a security when it is training above it’s face
value.
ownership in the corporation.
which prices are rising or expected to rise. Most often used to refer
to the stock market, but it can be applied to anything traded.
Begin your conversation — Call us at (937) 643-2160 to schedule your complimentary appointment with a
financial advisor* today!
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products
offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss
of principal. Investment Representatives are registered through CFS. Day Air Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Bump Up Certificate
Open a 36, 48 or 60 month certificate with your Credit
Union, and you get the flexibility to “bump your rate”, or
adjust it to a current (higher) rate, once during the life of
the certificate! You’re not locked in!
Invest today,
bump your rate
tomorrow!
If you’ve looked at rates lately, you know they can only go
up! When they do, with our certificates, you can grab a
great rate and watch your investments grow! Open today!
Save the Change
Totally Personal, Simply Free!
Have you ever had
trouble saving money?
Well you aren’t alone.
According to Bankrate.
com, 66% of Americans
don’t save enough.
With our Simply Free checking, you have total access to
your account, any way you want, always free. We offer
thousands of surcharge-free ATMs and shared branches
nationwide! Personalize your checking account today!
Here at Day Air we have created a program that will
make saving your money so much easier. It is called
“Save the Change” program! When a debit card
purchase is made, the transaction is rounded up to
the nearest dollar. Then at the end of the day we
transfer the difference from your checking account to
your savings account. You don’t need to do a thing…
except watch your money pile up!
Enroll today by calling (937) 643-2160, email us, or
stop by any branch - we’d love to see you!
Personalize your access with:
• Phone Banking
• Online Banking
• Mobile App & Text Banking
• Free BillPayer
• Mobile Check Deposit
• Debit/ATM Card
Talk About Savings!
Members & Business accounts are
eligible to receive a discount at Sprint plus waived
activation & upgrade fees!
Call 877.SAVE.4.CU & say you’re a credit union member
or visit lovemycreditunion.org/Sprint to learn more!
dayair.org
Home Maintenance Tips for Summer
Summer brings sunshine, green leaves, and trips to the beach. But
the warm, dry season also offers the perfect chance to get some work
done around the house. With just a few weekends’ worth of work, these tips
can help get your home in tip-top shape and ready for the rest of the year.
KEEP YOUR COOL WITH A FAN
There’s an easy trick to keeping cooler and saving money, and it’s as close as your ceiling fan.
Switch the ceiling fan’s blades so the leading edge is higher as the fan turns, so you can feel the
breeze from the fan as it rotates. This simple action will push cool air down, enabling you to set the airconditioning lower and save money on energy.
CLEAN YOUR DRYER VENT
First, you’ll need a vent-cleaning brush kit, which can clean your dryer vent tubing more thoroughly than a
vacuum cleaner can. Begin by cleaning the dryer’s lint trap housing with a smaller brush to remove as much lint
and dust as possible. Then disconnect the dryer duct from the dryer and the wall for a thorough cleaning. Also
use a brush to clean the vent on the outside of the house to keep both ends clean and free of lint.
CLEAN YOUR GUTTERS
Water and debris can accumulate in your gutters over the fall and winter, which can lead to water damage in
your house. And you don’t want that. So get a ladder that can reach your gutters, but be sure not to overextend
yourself. If the gutter is too high, you might want to call in an expert to do the job.
KEEP YOUR DECK HEALTHY
Your deck provides a great place to hang out in the summer, but it needs a little TLC to stay in good shape.
Visually inspect the boards to look for curling, cracked, or rotting wood. If you see a board that’s damaged,
remove it and replace it with a board that you’ve cut to fit the same space. Go underneath your deck to make
sure the support structure is in good shape, and keep an eye out for cracked boards and missing screws or nails.
Lastly, if your deck is sealed or stained, some experts say you should refinish it annually.
SPRUCE UP YOUR PAINT JOB
When your house looks good, it makes your entire property look better. So every summer, rent a power washer
and use a mild detergent to clean your house’s exterior. With just a little work (that’s actually pretty fun), you
can get rid of dirt, dust, bird droppings, tree sap, and more. And it provides a good opportunity for you to
inspect your house and make sure everything is still in good order.
INSURING YOUR HOME
Now that you have your home maintenance tips, make sure your house has the right coverage, too. You can call
us at Day Air Insurance, LLC. for your no-obligation quote at 937-643-2072 or visit www.dayair.org/insurance.
SECURITY. SAVINGS. SERVICE.
For a free quote, visit us at www.dayair.org/insurance or call 937.643.2072
I N S U R A N C E ,
937.643.2160
www.dayair.org
L L C
888.329.2472