Winter 2016
Protect What
Matters Most
With Personal and Business
Insurance Options
Shopping for the best coverage at the
best price is wise, but can also be a hassle.
Let the experts do the comparison shopping
for you. Hallmark Insurance Agency will
match your needs to the right policies;
making sure you have the correct amount
of coverage at an affordable price.
• Homeowner’s Insurance
• Auto & Other Vehicle Insurance
• Employee & Business Insurance
• Life & Health Insurance
To request a free, no obligation quote,
visit hallmarkmichigan.com or call
810-695-0600, and mention you’re a
member of Security Credit Union.
No Balance Transfer Fee | No Annual Fee
Security Credit Union also offers UChoose Rewards on future purchases that
you can redeem for merchandise, travel and more! Receive 1,000 bonus rewards
points** if you register for UChoose Rewards by June 30, 2016.
It’s easy to transfer your balances or apply for a card. Visit securitycu.org, call us
at 800-373-2333, or stop by any of our convenient locations.
Insurance products are not deposits of Security Credit Union
and are not protected by the NCUA. They are not an obligation
of or guaranteed by Security Credit Union and may be subject
to risk. Any insurance required as a condition of an extension
of credit by Security Credit Union need not be purchased from
Security Credit Union and may be purchased from an agent or an
insurance company of the member’s choice. Business conducted
with Hallmark Insurance Agency is separate and distinct from
any business conducted with Security Credit Union.
*0% promotional APR (Annual Percentage Rate) is valid for the first 6 months from the day of the balance transfer occurring during the
promotional period of January 1- April 30, 2016. After the 6-month period, any remaining balance from the balance transfers will convert to
4.99% APR for the life of balance(s) transferred during the promotional period. Promotional rate does not apply to new purchases or cash
advances. Outdoor Adventure and Business Credit Cards are excluded from this offer. Card holder must be current on their payments and
meet standard guidelines for credit increase approval.
**UChoose Rewards program is not valid on Outdoor Adventure or Business Credit Cards. Other restrictions may apply. Must register for
UChoose Rewards by June 30, 2016 to receive 1,000 bonus rewards points. This offer cannot be combined with any other promotional offer.
Want Your Tax Refund Faster? Use Direct Deposit!
www.securitycu.org
With Direct Deposit, you will receive your refund weeks faster than waiting for a check in
the mail. When completing your tax form, include Security Credit Union’s routing number
(272480115) and your correct Savings or Checking Account number. You and your spouse
must be on the account you choose if you file a joint tax return. Please do not hesitate to
contact us if you have any questions.
A Message
from the Chairman
2015 Was a Year of Growth
On behalf of the staff, management and board
of Security Credit Union, I would like to wish
you a prosperous and Happy New Year and
thank you for your business this past year.
At Security Credit Union, we are constantly
making changes and improvements to ensure
our members receive exceptional value,
personalized service and convenience.
Credit Union Merger. On July 1, 2015, Security
Credit Union merged with St. Patrick (Croswell)
Credit Union in Croswell and welcomed their
members into the Security Credit Union family.
Field of Membership Expansion. At the time of
the St. Patrick (Croswell) Credit Union merger,
Security Credit Union also expanded its field
of membership to include Sanilac County. We
now serve all communities in Genesee, Lapeer,
Livingston, Macomb, Oakland, Saginaw, Sanilac,
Shiawassee, Washtenaw and Wayne counties.
New Cros-Lex Office. The office opened in July
and is located in Sanilac County. Its address is
5200 Peck Road in Croswell. The office is open
9 am – 5 pm Monday through Thursday and
9 am – 6 pm on Friday. We welcome you to visit
our newest office to meet the staff and Kim Stencel,
Assistant Vice President & Office Manager.
VISA® Outdoor Adventure Credit Card. Get
convenience and purchasing power with our new
Security Credit Union VISA Outdoor Adventure
Credit Card. Use your VISA worldwide to book
a hunting safari, white water rafting trip or
fishing excursion. You can also book hotel stays,
pay for guide fees, take care of taxidermy fees for
your trophy scores, and buy gear and equipment.
Enjoy a competitive rate, no annual fee,
convenient payment options, and more.
We sincerely appreciate your business and based
on our assets, membership, and loan volume,
it is apparent you feel Security Credit Union is
providing you exceptional value, personalized
service and convenience. In 2015, we grew to
a strong $400 million financial institution
serving over 48,000 members,
and we helped those who were
borrowing funds with very
attractive loans rates, and
issued over $105.5 million in
new loans.
Thank you for placing your
trust and confidence in
Security Credit Union.
Sincerely,
Ken Scott
Chairman
Contribute To Your Retirement Fund Today!
It’s easy to open an Individual Retirement Account (IRA) or contribute to an existing one
at Security Credit Union. Putting money aside every week or month into a Traditional or
Roth IRA or Coverdell Education Savings Account to save for your future is important.
The money you save could also help with college expenses for your children.
Set up Direct Deposit or Payroll Deduction to make deposits throughout the year. The
deadline for contributing to your IRA for 2015 is April 15, 2016, also the deadline for
filing your taxes. Stop by to open an IRA and/or make a contribution today. It’s never
too early or too late to start saving. Please consult your tax advisor for details on your
particular situation.
EMV Plastic Cards: What You Need To Know
EMV chip technology is becoming the global standard for
credit card and debit card payments. Named after its original
developers (Europay, MasterCard® and VISA®), the technology
features an embedded microchip that securely stores and
protects cardholder data.
Implementation of the EMV chip cards is a lengthy process and
began October 1, 2015, with merchants being required to have EMV enabled terminals
in their retail stores. It is estimated that less than a third of merchants have the EMV
enabled terminals nationwide at this time. All merchants will continue to accept magnetic
stripe cards.
The national EMV implementation plan has several phases for merchants. The October 1,
2015 date was for retailers. Gas stations have an October 2017 compliance date. The
Federal government expects all U.S. merchants to be EMV enabled by the end of 2018.
The convenience and added protection of EMV chip cards will be available for members
starting in early 2016. Security Credit Union has begun phasing in EMV chip VISA Credit
Cards, and is on track to begin phasing in EMV chip MasterCard Debit Cards in early
2016. Until then, your Security VISA Credit Card and Security MasterCard Debit Card
will continue to work just as they always have. Simply swipe your card as usual when
making purchases at merchants.
For more information, please visit our website at securitycu.org.
Business Products and Services
Security Credit Union is the place to turn for a variety of
affordable financial services designed with your business in
mind. We offer great low rates on loans, flexible terms,
competitive savings and investment rates, and different
ways to access your accounts.
• Commercial Real Estate Loans
• Business Equipment Financing
• Business Checking with free MasterCard® Debit Card
• Business VISA Credit Card
• Convenient 24/7 Account Access
• Savings and Investment Options
• Employee Benefits
We also provide the convenience you need whether
you are in the office or out visiting customers.
Visit security.org or contact us to learn more.
Sign Up For Our Convenient Services!
Mobile Banking Access your account through SCU Mobile with Text
Banking, Mobile Browser Access, or downloadable applications
available for your Android, iPhone or iPad. Deposit checks into
your account using your smart phone with SCU Mobile Deposit.
We’re In Your Community
We’re more than just another financial institution
in your neighborhood. Security Credit Union is a
community chartered credit union and takes an
active role in local organizations and events to
inspire a better tomorrow. Through sponsorships,
hosted events, and volunteering, we invest in
and support programs that motivate growth in
our communities, enrich lives and encourage
financial education.
Security@home Transfer funds, check account balances, review
your account activity, make loan payments and more.
Online Bill Pay Pay your bills with ease through Online
Bill Pay. You’ll save time, checks, postage and trips to the
post office.
E-Statements Download your statement in digital
format for free and search for transactions. To enroll,
go to securitycu.org and click on E-Statements.
Online Loan Application – Apply for a loan 24/7
at securitycu.org.
All of these products and services are safe, secure, and
free for our members. Go to securitycu.org or contact us
today to learn more!
A Message from the
President & CEO
Enhancements to
Security@home
Online Banking
Coming Soon!
Please visit our we
bsite
at securitycu.org
for important
information
Time to Switch to
Looking for a good reason to switch your wireless company?
How about this - credit union members get exclusive
savings with the Sprint Credit Union Member Discount:
•G
et a 10% discount on select regularly priced
Sprint monthly data service
•H
ave your activation fee on new lines
waived ($36 savings)
• Have your upgrade fee waived ($36 savings)
Sprint customers need to verify credit union membership to take advantage of these
exclusive discounts. Visit www.Sprint.com/verify or download the Love My Credit Union
Rewards app in the Apple App Store or Google Play to verify your membership.
It’s worth it to switch to Sprint. Visit LoveMyCreditUnion.org/Sprint to learn more
and to start saving today with the Sprint Credit Union Member Discount. Mention
Corporate ID: NACUC_ZZM.
The Smarter Way To Your
Biggest Refund - TurboTax
Where will $25,000 take you?
Security Credit Union has teamed up with TurboTax® to get you your maximum refund,
savings of up to $15 on TurboTax federal products, and a chance to win $25,000! Just
try TurboTax Online for FREE (and provide your email address) by February 18th to be
automatically entered in the TurboTax $25,000 Payday Sweepstakes.1 Visit securitycu.org
and click on the banner to get started.
1 TurboTax $25,000 Payday Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the fifty (50) United States or the
District of Columbia, 18 years of age or older at time of entry. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/18/16. Subject to complete
Official Rules and all applicable federal, state and local laws. For Official rules including odds of winning, alternate method of entry, and prize descriptions,
visit the Official Rules. PRIZES: One (1) Grand Prize: A check for $25,000. Retail value, $25,000. Ten (10) First Prizes: A check for $1,000. Retail value, $1,000 each.
Maximum retail value of all prizes is $35,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22H, San Diego, CA, 92129. © 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.
Security has many community partners including,
but not limited to: American Cancer Society,
American Red Cross, Back to the Bricks, Bikes on
the Bricks, Bluewater Folk Society in Lexington,
Catholic Charities of Shiawassee & Genesee
Counties, Child Abuse Prevention Council of
Shiawassee County, Children’s Miracle Network,
City of Croswell and Village of Lexington Lighting
of the Trees, Eastern Michigan Fair, Family
Literacy Center, Flint Institute of Music, Food
Bank of Eastern Michigan, Hispanic Latino
Collaborative, Imlay City Blueberry Festival,
Lapeer Area Citizens Against Domestic Assault,
March of Dimes, Michigan Sheriffs’ Association,
Old Newsboys of Flint, Priority Children, Saginaw
Party on McCarty, Saginaw Township Policemen’s
Ball, Saginaw Valley State University Cards Party,
Salvation Army Genesee/Shiawassee Regional
Command, Shiawassee County Fair, Southwest
Detroit Environmental Vision, Support Our
Troops Operation Care Package of Michigan,
United Way, Whaley Children’s Center, and more.
In addition, I take pride in serving on the following
community boards: Back to the Bricks, Bikes on
the Bricks, Flint Chapter of Credit Unions, Flint
Institution of Music Board & Flint Symphony
Orchestra Committee, Salvation Army Board &
Finance Committee, and Whaley Children’s Center.
Security Credit Union offers money-saving
products and convenient services while still
being involved in the local community. We
sincerely appreciate your business and look
forward to serving your financial needs in 2016.
Happy New Year to you
and yours!
Sincerely,
Christopher Estes
President & CEO
MCULLAF Grand Raffle Winner
Thank you to everyone who purchased a 2015
Michigan Credit Union League Legislative Action
Fund (MCULLAF) Grand Raffle ticket to ensure credit
unions have a strong voice in Washington, D.C.
The 2015 Grand Raffle brought in $245,720
and 52,459 tickets were sold by 126 credit
unions. The winning ticket was sold by
Alpena Alcona Area Credit Union.
Member Testimonial
Bert Murlick of Saginaw has been a member of Security Credit
Union since 1979.
“I have been a member of Security Credit Union for more than
35 years, and feel very fortunate to have joined the credit union.
Karla from the Saginaw Office has graciously helped me countless
times with my financial needs and goes the extra mile to ensure
I receive the best value and service. I made the right choice
over 35 years ago and would highly recommend Security
Credit Union.”
“We are proud to provide our members like Mr. Murlick with
personalized service that meets or exceeds their expectations,”
stated Christopher Estes, President & CEO.
Your Money Is Safe
Your savings at Security Credit Union are federally insured
up to $250,000, and IRAs are federally insured separately up
to $250,000 by the National Credit Union Share Insurance
Fund (NCUSIF). It is administered by the National Credit Union
Administration and backed by the full faith and credit of the
United States government.
Online and Mobile Security Tips
1. U
se strong passwords for all your accounts.
A strong password will have 8 or more
characters, including letters, numbers
and symbols.
2. M
ake sure to use different user IDs and
passwords for your financial accounts and
any other sites you use online.
3. D
on’t use any part of your Social Security
number (or any other sensitive information,
like a credit card number) as a password or
personal identification number (PIN).
4. D
on’t respond to emails or text messages
requesting your account number. Security Credit Union will
never contact you to request your account number over a
text, phone message or email.
5. Maximize your privacy settings and be mindful of how much
personal information you share on social networking sites.
6. B
e careful about what you click online. Links you receive
in emails or on social networking sites can be harmful or
fraudulent, even if they appear to come from friends.
7. Secure your mobile and tablet devices with a screen lock.
8. Keep personal and financial information off your phone.
9. T
hink before you download apps to your devices.
10. K
eep your computer operating system, your internet
browser and your mobile device software up to date.
Holiday Closings
In observance of Martin Luther King, Jr. Day on January 18, 2016,
and Presidents’ Day on Monday, February 15, 2016, all Security
Credit Union offices will be closed.
Call
Office Locations
810-235-2322
800-373-2333
Genesee County
2230 S. Center Road, Burton
North of Atherton Road
Shiawassee County
1400 E. Main Street, Owosso
M-21 & Airport Drive
2404 S. Linden Road, Flint
North of Lennon Road
Lapeer County
1675 N. Lapeer Road, Lapeer
M-24 & Davis Lake Road
24-Hour Telephone
Account Access:
810-235-0820
800-677-4085
TDD: 810-235-2459
Mailing Address
3801 W. Boulevard Drive
P.O. Box 5160
Flint, MI 48505-0160
Website
www.securitycu.org
E-mail
[email protected]
8040 Holly Road, Grand Blanc
Trillium Circle, North of I-75
3801 W. Boulevard Drive,
Flint, Drive-up only
Near Dort & Stewart
1495 Imlay City Road, Lapeer
M-21 & Myers Road
337 E. First Street, Imlay City
M-53 & First Street
Macomb County
4805 E. 9 Mile Road, Warren
West of Mound Road
Saginaw County
2882 Schust Road, Saginaw
East of Bay Road, near
Fashion Square Mall
Wayne County
2444 Clark Street, Detroit
North of Vernor Highway
Sanilac County
5200 Peck Road, Croswell
West of Croswell Road