Winter 2015 Newsletter HOME SWEET HOME Bridge believes in expanding the dreams of home ownership to as many of our members as possible. FIRST MORTGAGES Buying a home should be an exciting experience and obtaining a loan should be hassle-free. We’ve made it simple for you by offering a wide variety of products for almost everyone. HOME EQUITY Equity in a home has traditionally been the biggest source of personal wealth. Low cost borrowing against a home’s equity can offer a good solution for funding high cost items. Borrow against your home’s equity through a fixed amount, fixed rate or a line of credit, variable rate product. There are no prepayment penalties, whichever you choose. News & Resources Check out recent postings under “News & Resources” at www.bridgecu.org. Recent Articles • Recipes of the month: “Must Try Christmas Cookies” “Show Stopping Side Dishes” “Pumpkin Shaped Cheeseball” • Bridge Credit Union Offers • Highest Dividend Rate in the Country! 10 Things NOT to Buy on Black Friday 2015 • Save money by making your own Halloween Costume. We promise a personal touch. We’ll guide you through the entire home loan process and counsel you on the best product for you. Call our office today 800.434.7300 and enjoy a truly different experience. Pinterest - Most Popular Pin Christmas Club Savings | Save for next year! #GivingTuesday Bridge’s staff gave back by donating to Wreaths Across America #TheBridgeDifference ”12 Financial Resolutions for the New Year” Instagram Photo Highlight Reduce the stresses of the holiday season by starting a Christmas Club. Setup automatic deposit and watch your savings grow. Even if you are only able to save $20 biweekly, that would be close to $500 by Christmas. Call us at 800.434.7300 to learn more or to start your account today. You can also start your account online - using your online banking. STAY CONNECTED - FOLLOW BRIDGE ON PINTEREST & INSTAGRAM In the News Bridge Offers Highest Dividend Rate in the Country! Study Finds the Best Interest Rate in All 50 States. In this study, GOBankingRates.com used its proprietary interest rate database with data from over 4,000 national and local financial institutions to find the highest checking, savings or certificate of deposit rate offered in each state. Best Bank Account Rates Today: 1. 10.00% APY in Ohio from Bridge Credit Union - Diamond Dividends Checking!!! 2. 7.52% APY in Washington from O Bee Credit Union 3. 7.50% APY in Wisconsin from Landmark Credit Union 4. (tie) 7.00% APY in California from Schools Financial Credit Union 4. (tie) 7.00% APY in Michigan from Community West Credit Union 6. 6.02% APY in Missouri from Gateway Metro Federal Credit Union To see details on the rates above as well as the full study findings, visit: www.gobankingrates.com/ banking/best-interest-rate-every-state/ Taxes done right. The smarter way to your biggest refund! Bridge Credit Union has teamed with the Love My Credit Union Rewards TurboTax® program to offer our members great savings on TurboTax® federal products. This year, file your taxes the smarter way, and get your biggest possible refund – guaranteed. • TurboTax® translates taxes into simple questions about your life and puts everything in the right forms for you. • TurboTax searches over 350 deductions and credits, so you won’t miss a thing. • TurboTax® runs error checks and a final review to help make sure your taxes are done right. The TurboTax® credit union member discount is just one of many member discounts available with the Love My Credit Union Rewards program. The more offers you take advantage of, the more you save. Look for the TurboTax® link on our homepage at www.bridgecu.org © 2015-2016 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax® 2015. 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. Upcoming Holidays Observed New Year’s Day - Friday, January 1, 2016 Martin Luther King Day - Monday, January 18, 2016 President’s Day - Monday February 15, 2016 2 Any further closures will be posted on our website www.bridgecu.org. Remember, you can access your accounts 24/7 with our online and mobile banking. www.bridgecu.org 800.434.7300 Help Set Bridge’s Vision BOARD OF DIRECTORS ELECTION One of the many benefits of credit union membership is that we don’t have stockholders to pay. Instead, a volunteer Board of Directors governs the credit union and they represent the needs of the membership and provide vision and direction for the credit union. As part of this special democracy, YOU get a voice in your credit union. There are three (3) vacancies for the three (3) year terms on the Board of Directors of Bridge Credit Union, Inc. Candidates’ biographies are below for your review. We also attached a paper ballot for your convenience. Ballots can be delivered to the Credit Union in many ways: submitted to your local Credit Union Representative, faxed to 614.728.8090, emailed to [email protected], sent through the State Interoffice mail, or mailed directly to the Credit Union at: Bridge Credit Union, 1980 W. Broad Street, Mail Stop #0000, Columbus, OH 43223. 2016 Candidate Bios MATT SUSAN CORLETT GRUNDEY I have served the Ohio Department of Public Safety in a variety of roles for almost 17 years, currently as chief of the Budget Management Section. Previous roles include almost 4 years as the assistant chief of the Revenue Management Section, 3 years performing financial reporting and budget analysis, and 4 years as an internal auditor. I have also worked in purchasing, accounts/payable, and payroll. I have a bachelor’s degree in business administration from Mount Vernon Nazarene University. I retired from the State of Ohio with 31 years of service in the field of Human Resources. The majority of my career was spent working at the Ohio Department of Transportation. I earned a Bachelor’s degree in Human Resource Management and Business Administration from Franklin University. I am certified by the Society of Human Resource Management as a SHRM Senior Certified Professional. I have enjoyed serving on the Bridge Credit Union board since January 2012. In the early 2000’s, I volunteered in various roles with another credit union for 5 years. That experience and my professional roles in accounting and auditing provide a valuable background. Just as important, Bridge Credit Union is my family’s primary financial services provider and its continued success matters to me personally. It is truly a privilege to be trusted with this role by the membership, and I look forward to continuing to help lead the credit union into the opportunities ahead. I have served as the Vice-President of Bridge Credit Union Board of Directors for several years. I believe my knowledge of human resources has added value to the board. These are exciting times for the credit union as we have changed our name, expanded our field of membership and have increased services to our members. I will do my best to continue to keep the best interest of all our members in mind as we move forward. VOT E O N L I N E www.bridgecu.org BALLOTS MUST BE RECEIVED BY MARCH 23 2016 Annual Meeting BENITA NEELY I have been a Board Member for Bridge since 2011 and a member of the Credit Union since 2001. Over the years Bridge has served me and my family well and it is my hope that I can continue to represent its members. My career at the Ohio Department of Youth Services (ODYS) started in 1997. Over the years at ODYS, I have served in various positions in Human Resources to include recruitment, hiring, training and policy writing. The skills gained at ODYS, as well as my academic career, have allowed me to confidently serve the members of Bridge. I earned a B.S. in Chemistry from Denison University. My graduate studies include a M.A. in Sociology and Master of Social Work both from The Ohio State University. I am an advocate for credit unions because they offer the same services through a cooperative philosophy. Bridge is responsive to its members’ unique needs because the focus is on both the member and the community. Bridge continues to invest in its members and community through education, volunteerism, and social responsibility. Our credit union has a solid financial future, and I am honored to be a part of its growing role in the State of Ohio. Join Bridge Credit Union for the 2016 Annual Meeting Bridge Credit Union’s Annual Membership meeting will be held on Wednesday, March 30, 2016 at ODOT Central Office, 1980 W. Broad Street, Columbus, OH 43223 starting at 11:00 a.m. The main purpose of the membership meeting is to review the past year’s financial statements and to vote for candidates for the Board of Directors. 3 Bridge Credit Union, Inc. MEMBER VOTER VERIFICATION/IDENTIFICATION I hereby certify that I am 16 years of age or older and a member in good standing of Bridge Credit Union, Inc. ____________________________________ (Signed) Account Number___________________________ _______________________________________ Date__________________________________ (Please Print Name) For your vote to be counted: 1. Vote for no more than three (3) candidates. 2. One ballot per member/account holder. 3. Voter verification/identification form must be signed. 4. Ballot must be received by Wednesday, March 23, 2016. Official Ballot Election of Board of Directors There are three (3) vacancies for three (3) year terms on the Board of Directors of Bridge Credit Union, Inc. Candidates’ biographies are printed in the enclosed newsletter. Vote for no more than three (3) candidates. Matt Corlett Susan Grundey Benita Neely After marking your ballot, please return to the Credit Union using one of the following methods (1) mail: Bridge Credit Union, 1980 West Broad Street, Mail Stop # 0000, Columbus, Ohio 43223 (2) fax: 614.728.8090 (3) email: [email protected]. Postage is required when mailing through the U.S. Postal Service. Votes may also be cast at our website, www.bridgecu.org by clicking on the “vote here” link. Ballots can also be delivered to the Credit Union by submitting to your local Credit Union Representative or by sending through the State Interoffice mail. A. B. C. 4 Voting Rights of Members Each voting member who is a natural person sixteen years of age or older and who owns at least one membership share is entitled to cast one vote, regardless of the number of shares he/she owns. Association members may be represented at any annual or special meeting, and have the authority to cast one vote on its behalf, regardless of the number of shares the association owns. The voting representative exercising such authority must be duly elected, qualified, and acting as an officer of the association member. Pursuant to Section 1733.13, Ohio Revised Code, any member entitled to vote at a meeting of the membership may be represented and vote there or by mail or electronic ballot delivered to the credit union at least seven days prior to the date for the meeting which is set for March 30, 2016. No mail ballot shall be valid after the expiration of eleven months after delivery to the credit union.
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