Newsthat
Counts
We have HEART. You can bank on it.
April-June 2014 | Quarterly Publication for Fort Lee Federal Credit Union
CU51338–NEWS–0414
An exciting new checking account
is coming in May!
1
You deserve the Five Star treatment.
Coming in May! Be on the lookout for details.
In the meantime, here are a few hints.
Five Star Checking will allow you to:
Save time and money.
Earn cash each month.
Get a free t-shirt.2
Visit www.fortleecu.org or
stop by a branch to learn more!
1) Certain qualifiactions and restrictions apply. Contact Fort Lee Federal Credit Union for complete
details. 2) Limited quantity. Available upon Five Star Checking account opening; while supplies last.
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May 19
Need some extra cash for summer?
Whatever your plans, Fort Lee Federal Credit Union
is ready to help you have some fun in the sun while
taking the heat off of your wallet . Hurry in today to make
sure you are set to take advantage of this fantastic deal!
How to Qualify:
• Must be a member for at least six (6) months
• Account(s) must be in good standing
• Must show proof of income for at least 6 months
• Completed loan application and $25 non-refundable
application fee must be submitted at the time of application
• Members with existing FLFCU personal loans are NOT eligible**
• Primary account holders only may apply;
joint members must open their own account
• Limit one Get-Set-for-Summer Fast $500 Loan per member
• Any existing Fast $500 Loan (including Black Friday Loans)
must be paid in full prior to qualifying for this promotion
• Members with late payments on previous Fast $500 Loan(s) are NOT eligible.
Terms:
•
•
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Term of six (6) months at 18% APR§
Total of six (6) monthly payments: five (5) consecutive monthly payments of $100
and a final month payment of $27
Payments begin in June 2014
* Get-Set-for-Summer Fast $500 Loan offer valid 5/19/14 through 5/20/14. Contact an FLFCU Loan Officer for details.
**See a Loan Officer to discuss a possible advance on your current personal loan. § APR=Annual Percentage Rate.
Federally Insured by NCUA.
Tuesday, April 29 | 5:30 PM
Lee Officers’ Club
Lee Avenue, on Fort Lee
Dinner Tickets: $5.00
All proceeds donated to the Credit Unions Care Foundation of VA
Limited Seating
Call or come in to purchase tickets today!
We Invite You to Join Us
As a member, we invite you to attend the Annual Meeting to learn
about your credit union and member-elected Board of Directors.
Following the business meeting, scholarship award presentations,
and door prize drawings, dinner will be served.
Support the Credit Union Cares Foundation
To help us get a more accurate count for dinner and seating, tickets will be offered. There is no charge to attend the business meeting. Dinner is just $5.00 per person, with all proceeds going to the
Credit Unions Care Foundation of Virginia. To show our support of
your efforts, Fort Lee FCU will match 100% of ticket donations!
About Credit Unions Care Foundation of Virginia
The Foundation believes in furthering credit unions’ social mission
by aiding communities and offering a hand up to individuals in
need. They support charitable organizations, community groups
and disaster relief activities, teach basic personal finance concepts
to consumers, and help improve lives through education. Visit
www.CreditUnionsCareFoundation.org to learn more.
How to Get Tickets
Tickets are available on a first-come, first-served basis. Be sure
to reserve your seats today! Stop by a branch to purchase
your tickets, or call us and we will mail them to you.
Meet Your Mortgage Specialist:
Abbie Kamara
What You Need to Know
About Buying a Home
Saturday, April 12 | 9:30am–11:00am
Fort Lee FCU Main Branch | 4495 Crossings Blvd.
Seating is limited! Register today!
RSVP to [email protected]
Save $300
off closing costs
†
when you finance your home
with Member Advantage Mortgage
† Loan must close and fund by 7/31/2014 and discount will be applied
at the time of closing. Not valid with any other offer. Subject to income,
asset, credit, collateral, and any other specific lending requirements
associated with the loan program.
Abbie Kamara was born in
war torn Sierra Leone in West
Africa. She grew up in Silver
Springs and Gaithersburg,
Maryland and joined the
United States Marine Corps
from there. Abbie met her
husband, an Army man, in
Okinawa Japan. After being stationed at Naval
Weapons Station in Yorktown, she moved to the
Richmond area. Abbie graduated from Saint Leo
University with a Bachelor’s degree in Business
Administration and Management.
Abbie has been in the mortgage industry for nine
years and she specializes in FHA, VA, and USDA
loans. Abbie is excited and happy to join the Fort
Lee Federal Credit Union and Member Advantage
Mortgage families as a
Mortgage Loan Consultant.
Call Abbie today to discuss
your mortgage needs:
Abbie Kamara
(804) 452-0736, ext. 112
[email protected]
Member Advantage Mortgage, LLC NMLS #1557 (www.nmlsconsumeraccess.org) www.memberadvantagemortgage.com
Abbie Kamara is licensed by the Virginia State Corporation Commission, MLO-5925VA, NMLS #297749.
Save up to $15 on TurboTax Federal Products!
The tax deadline is fast approaching! This year, trust yourself to do your own
taxes. With TurboTax®, you can be confident they’ll be done right. Plus, Fort Lee
Federal Credit Union members can save up to $15 on TurboTax federal
products. Don’t wait any longer—visit www.fortleecu.org to get started now!
© 2013-2014 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2013. Terms, conditions, features,
availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online,
among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’trademarks or service marks are the property of their respective owners.
Main Branch
4495 Crossings Boulevard
Prince George, VA 23875
Office and Drive Thru Hours
Monday & Tuesday
9:00 AM - 5:00 PM
Wednesday
10:00 AM - 5:00 PM
Thursday
9:00 AM - 5:30 PM
Friday
Lobby:
9:00 AM - 5:30 PM
Drive Thru: 7:30 AM - 5:30 PM
Saturday
9:00 AM - 12:00 PM
Fort Lee Branch
3510 A Avenue
Fort Lee, VA 23801
Office and Drive Thru Hours
Monday - Tuesday
9:00 AM - 5:00 PM
Wednesday
10:00 AM - 5:00 PM
Thursday - Friday
9:00 AM - 5:30 PM
Contact Information
Phone: 804-452-0736
Fax: 804-458-1182
www.fortleecu.org
ATM Locations
Financial Minute from Member Wealth Management∑:
Should You Wait to Claim Social Security?
Many people file for Social Security as soon as they
stop working and/or become eligible for benefits.
Full retirement age is 66 for most baby boomers
and 67 for those born in 1960 or later, but
Americans can claim early worker benefits starting
at age 62. The monthly benefit increases with
claiming age by up to 8% a year, so filing early
could cause you to lose out on thousands of
dollars in benefits, especially if you enjoy a long life.
Consider this hypothetical example: Paul could
receive an annual benefit of about $15,400 if he
files at age 62, $20,500 if he files at age 66 (full
retirement age), or $27,100 if he waits until age 70.
If Paul waits until age 70 to file for Social Security and lives to age 95, he could receive about
$677,000 in cumulative benefits (in today’s
dollars). This compares with roughly $500,000
if he files early at age 62.
In general, you should weigh your financial
resources, potential taxes, health, life expectancy,
and other factors when making this important
decision. For more information, visit the Social
Security Administration website at www.ssa.gov.
Source: CNNMoney, July 31, 2013
Contact Stuart Posey at Fort Lee FCU today
to schedule an appoint with a Member
Wealth Management Specialist.
[email protected]
(804) 452-0736, ext. 122
If you are relatively healthy and have
other savings to draw upon in
retirement, it may be in your best
interests to delay claiming benefits. Married couples may also
be able to increase their total
benefits by coordinating
when and how they file for
Social Security.
The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek
tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion
expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. Copyright © 2014 Emerald Connect, LLC.
NOT A CREDIT UNION DEPOSIT; NOT NCUA INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE CREDIT UNION; MAY GO DOWN IN VALUE
Securities, Investment Advisory and Financial Planning services offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC: 222 Central
Park Ave Suite 1100 Virginia Beach VA 23462 (757) 490-9041.
∑ Member Wealth Management and the Credit Unions are not a subsidiary or affiliate of Massachusetts Mutual Life Insurance Company (MassMutual) and their affiliated companies. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales
representatives.
•4495 Crossings Blvd. (drive thru & inside)
•Fort Lee - 3510 A Avenue (drive thru)
• Fort Lee - PXTRA - 2 ATMs (Mahone Avenue)
•Fort Lee - PX (300 A Avenue)
•Fort Lee - Soldier Support Center
•Fort Lee - SCOE Building
•Fort Lee - DECA
•Fort Lee - Hotel Lodging (new location)
•Fort Lee - Army Logistics University
•Fort Lee - Popeyes/Gas Station
•North Fort Lee - Troop Store
For ATMs within the surcharge-free CU24
Network, visit www.cu24.com/ATM Locator
Service Center Shared Branches
Not convenient to come by one of our
branches? Stop by a Credit Union
Service Center or Shared Branch!
Many credit unions in the surrounding areas act as shared branches. As
a Fort Lee FCU member, you can conduct a
range of transactions from your account, such
as making deposits, withdrawals, loan payments, transfers between accounts and more!
Out of the Virginia area? CU Service Centers
have over 4,000 locations across the world.
Wherever you see the CU Service Center logo,
you can enjoy the benefits of in-branch
servicing of your Fort Lee FCU account. Just
let them know you are Fort Lee FCU member,
give them your account number, and show
your photo ID.
Log on to www.CUServiceCenters.com to
find a location near you.
Holidays (Branches Closed)
Memorial Day: Monday, May 26
Independence Day: Friday, July 4