JANUARY 2014
A
Q U A R T E R L Y
P U B L I C A T I O N
O F
W E X F O R D
C O M M U N I T Y
C R E D I T
U N I O N
A Letter From Our CEO
Happy New Year! The Board of Directors, Staff, and I hope
your holidays have been full of family, friends and good
cheer.
With the New Year, there are new changes! On December 2,
2013, Mrs. Julie Rushing, our former Operations Officer, accepted the position of President/CEO. The Board of Directors,
Management, and Staff all congratulate Julie and wish her
Fred Schuster
President/CEO
great success in the future. Julie is a graduate of CUNA Management School and has been with WCCU for seven years,
having worked her way up from Teller to CEO. We are all excited for Julie.
Start Your
Summer Plans
Today!
This will be my final newsletter article after serving for the past twelve years as your
President/CEO. Please allow me to look back over the last twelve years. When I arrived, the assets were $19 million. We did not offer Debit Cards, Online Banking & Bill
Pay, E-Statements, Home Mortgages, Open End lending, Home Equity loans, or Home
Improvement loans. We had only one branch, and membership was open to only Wexford County. Currently, our assets are at $45 million. We have two offices that cover
three counties and serve not only people that live or work in those counties, but also
those who are educated or worship there.
Winter days may be filled with snow,
ice and cold, but with a Toy Loan from
Wexford Community Credit Union,
you can warm your chilled bones with
plans for summer fun.
It has been an honor and pleasure working with the Board of Directors and Staff. I
cannot tell you how much I love hearing from people about the friendly, good service that they receive from the staff. We are a “People Helping People” Credit Union!
Thank you, Staff, you are the best!!
Finance a Boat or RV
with the WCCU Toy Loan!
Finally, I want to thank you, the Members, for supporting this wonderful Credit Union
over the past years to make it what it is today. I also want you to know that Julie and
her team will continue serving you and your family today and in the future.
Stop by the Credit Union for current
rates and to apply today.
Remember always, we are locally owned by you, the Members, and operated by the
Staff, Management, with the Board of Director’s leadership. Your money stays here,
works here, and helps other Members. By working together, we can accomplish all
of our dreams for the future. “IT’S MY CREDIT UNION!” is not only a commercial, it’s
the truth! This year’s 60th Annual Meeting, where you, the Members, elect the Board
Members, will be held Thursday, March 20 at Hermann’s European Café. Please plan to
come out for dinner and to hear an update on your Credit Union.
You’re Invited to Our
On behalf of the Board of Directors, Management, and Staff at
Wexford Community Credit Union, we hope 2014 finds you healthy
and that it will be a prosperous year for you and your loved ones.
WCCU … home town service, big town advantages.
Daylight Saving Time
REMINDER
Daylight Saving Time begins Sunday, March 9 at 2:00 a.m.
Remember to set your clocks ahead one hour before you
go to bed Saturday night.
60
th
ANNUAL
MEETING!
The Annual Meeting is coming up and
all WCCU members are welcome to
attend. We hope you will make plans
to join us for a delicious dinner as we
share our past success and our plans
for the future.
DATE: Thursday, March 20, 2014
TIME: 6:00 p.m.
PLACE: Hermann’s European Café
214 N Mitchell St.
Cadillac, MI 49601
We look forward to seeing you there!
TAX
Reminder
Resolve Your
Holiday Bills Away
Our low-rate Christmas Loan is still available! Get your holiday bills
paid off affordably with our Christmas Loan.
The IRS tax filing deadline is
Tuesday, April 15, 2014.
Qualified members can take advantage of a 12-month term
with rates starting as low as
4.00% APR*
Give us a call at 800.471.4404 or come by the Credit Union
to apply.
*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based
on your credit history and may be higher. Rates and terms subject to change without notice.
FINANCIAL
SCOREBOARD
AS OF NOVEMBER 30, 2013
Members......................... 8,966
Assets................... $45,914,100
Loans................... $15,049,680
Shares................... $42,279,736
RETIREMENT:
How to Get Set for Success
No matter your age, saving for retirement can seem like a daunting task. But whether
you’re just out of high school or well-established in your career, getting set for a successful retirement may be simpler than you think. Here are a few tips to help you get
started:
„„ Start saving early. Save 5-10% of your income as soon as possible, and avoid
touching that money again until you actually retire.
„„ Make a budget and keep to it. This will help you avoid overspending and using
your savings to make ends meet.
„„ Save before spending. Setting up a direct deposit from your paycheck to a retirement account is a great way to ensure your savings is set aside before you have a
chance to spend it
„„ Diversify and rebalance your savings. This will help ensure you make the most
of your savings.
HOLIDAY
CLOSING
1021 N. Mitchell n P.O. Box 610
Cadillac, Michigan 49601
Phone 231.775.2081
4817 S. Morey Rd.
Lake City, Michigan 49651
Phone 231.839.2081
Toll Free 800.471.4404
Fax 231.775.1321
Web www.wexccu.com
Cadillac Branch Hours
LOBBY
Monday - Thursday.......... 8:30 - 5:00
Friday................................ 8:30 - 5:30
D R I V E -TH RU
Monday - Thursday.......... 8:30 - 5:30
Friday................................ 8:30 - 6:00
Saturday......................... 9:00 - 12:00
Lake City Branch Hours
L O B B Y & D R IVE - T H RU
Monday - Thursday.......... 8:30 - 5:00
Friday................................ 8:30 - 5:30
Saturday
(DRIVE-THRU ONLY)............ 9:00 - 12:00
PRESIDENTS’ DAY
MONDAY, FEBRUARY 17
Federally Insured by NCUA.
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