Fall
Fall 2016
2014
IN THIS ISSUE
NEW LOCATION
DON’T OVERSPEND THIS
HOLIDAY SEASON
MEET YOUR NOMINEES
PROTECT YOUR DEBIT
CARD
NEW BUSINESS ONLINE
BANKING SOLUTION
HOME EQUITY SPECIAL
Stay Connected
BayPort has gone social;
like and follow us to get the
most up-to-date offers and
information.
BAYPORT
INSURANCE
BayPort Insurance, LLC,
a wholly-owned subsidiary
of BayPort Credit Union, is
an independent insurance
agency that finds the best
home, life or auto insurance
deal for you through our
extensive network of
providers.
Brian Smith
Agency Manager
New Virginia Beach Location
Wow! 2016 has been a great year for growth. In our last edition of the Breeze, BayPort
introduced new locations in Newport News and Norfolk. Now we are excited to share with
you our 3rd new location this year, this time in Virginia Beach. Our Providence Square branch
opened October 3, 2016 at 5225 Providence Road, Virginia Beach. This marks our 25th branch
location in the Greater Hampton Roads area.
In addition to more locations, BayPort offers more convenient online
banking solutions than ever before. Whether you need to check your
balance, pay your bills, or take control of your debit card with Debit
CardValet®, we provide you access 24/7. More locations, more online
solutions, and more friendly staff is why BayPort is the smarter way to
bank.
Visit us online at www.bayportcu.org for a full list of branches and
Amy Guin
Providence Square
ATMs.
Branch Manager
Dina Willoughby
Insurance Agent
James Parrish
Insurance Agent
Patty Gaskins
Insurance Agent
Angela Joseph
Customer Service
Representative
Call 757.493.5140 or visit
bayportcu.org to get your
Free Quote TODAY!
Any insurance required as a condition of an
extension of credit by BayPort Credit Union
is not required to be purchased from BayPort
Insurance, LLC and can be purchased from an
agent or insurance company of the member's
choice. Business conducted with BayPort
Insurance, LLC is separate and distinct from
any business with the credit union. Insurance
purchased through BayPort Insurance, LLC is
not a deposit, not federally insured, not an obligation of the credit union, not guaranteed by
the credit union or any affiliated entity, involves
investment risk, including the possible loss of
principal, and may be offered by an employee
who serves both functions of accepting member
deposits and selling insurance.
The Perfect Gift
Ever wonder what to get that person on your list
that has everything? Or maybe that one that is so
trendy, you can’t keep up with what they liked last
month, much less predict what they might be into
next month?
So what is the best type of gift for those people in
your life...GIFT CARDS! Some may think gift cards are
less personable than other gifts. But we say, what can
be more personable than allowing someone to pick out
exactly what they want or need. If you are in need of
some gift cards for those special people in your life, stop by one of our branches and select the
perfect gift ... card!
Avoid Overspending This Holiday Season
Every year I say, “I will NOT overspend this holiday season. I WILL stick to my budget.” And then in January, I beat myself up
as I log into my account to see the piddly little balance left after a month of shopping, spending, and swiping my credit card.
Well this year is different, darn it! And here are just a few tips I’m going to use to make it happen.
Set a Budget
I’ve tried this tip before, albeit not always successfully. Unfortunately, once I had my budget in place, I began shopping without
further developing my plan. If I follow the tips below, setting a realistic budget and sticking to it should be a lot easier. Plus,
BayPort offers MasterCard® Prepaid Reloadable cards that can also help.
Make a List
Have you ever popped into the drug store because you are out of lotion or need to grab a birthday card and $50 later, you
are walking out with two bags full of stuff you didn’t even know you needed? So just imagine how quickly that kind of shopping
strategy can get out of hand when shopping for family and
friends. What started out as sticking to buying gifts for a small
group of people has ballooned into family, friends, coworkers,
your favorite barista, the nice young man that works at the
grocery store…and the list goes on and on. Preparing a list with
whom you are buying for and how much you would like to
spend can keep you and your budget on track.
Always Use the Right Credit Card
Many stores offer their own store credit cards with special
incentives. But sometimes the interest rates on those cards
are pretty high. If you will not be paying off that balance right
away, you may find a better deal using your credit union credit
card instead. Some even offer special rates during the holidays
like BayPort. If you use your BayPort MasterCard® credit card
between November 1 – December 31, 2016, all purchases will
receive a 3.99% APR* promotional rate
that will remain in effect until your statement closing date in December of 2017.
Plus you will still earn points or get cash
back based on the type of BayPort credit
card you use.
There are many tips and tricks out
there to help you curb spending during
the holidays. You just have to find the
right formula for you. For more tips on
budgeting, check out the BayPort Blog
at www.bayportcu.org, or visit a BayPort
branch and speak with a representative.
*Offer valid on purchases made from 11-01-2016 to 12-312016. Promotional rate good through statement closing date
of December 2017. Certain restrictions apply.
REMEMBERING
JOHN PLASTER
BayPort is saddened by
the recent loss of one of our
board members, Mr. John R.
Plaster. Mr. Plaster passed
Friday, September 23, 2016
surrounded by family.
Mr. Plaster was a proud
graduate of the Newport
News Shipbuilding Apprentice School and worked for
the Newport News Shipyard
from 1963-2014, retiring
after 51 years of service. He
has also dedicated the last
34 years to our credit union
and our members by serving
on your Board of Directors.
John was a true champion
for the credit union, educating friends and coworkers
on the credit union philosophy of “People helping
people.” So much so in fact,
he served as an integral part
of BayPort’s Education Committee for many years.
Mr. Plaster will truly be
missed by his BayPort family. Our hearts go out to his
wife, Marian, and his family.
Meet Your Board Nominees
To acquaint you with the nominees for the Board of Directors, the following information is presented.
Nominations were made by the Nominating Committee in accordance with the Credit Union bylaws.
Credit Union directors are volunteers, democratically elected by vote of their fellow members, and
serve all of us without pay.
Thomasina R. Wright,
Incumbent
Incumbent, up for re-election, an Apprentice School
graduate, Thomasina Russell
Wright has her MBA from The
College of William and Mary,
and a BS degree in Mechanical Engineering from ODU.
Thomasina began her career with NNS in 1983, and
worked in various departments
until 1992. She worked for
Tenneco, Inc. as a state and
federal lobbyist and returned
to the shipyard in 1994. She
has held several director level
positions (i.e., Sheet Metal
Dept., Subcontract Management, and Fleet Support). She
is currently Programs Trades
Manager for the Aircraft Carrier Programs.
Thomasina serves as Chairperson of the Strategic Planning Committee. She also is
active on Policy, Technology,
Marketing, and Governmental
Affairs committees.
The Wright family includes
husband, Kenny Wright, Mayor of Portsmouth, and daughters, Ashleigh, Brianna, Christina, and Danielle. Thomasina
and Kenny are both natives of
Portsmouth and are very active in the community.
Donald I. Steppe, CCUE®
Incumbent
Incumbent, up for reelection, Donald Steppe has
been a Board member since
1978. He is a graduate of the
Apprentice School, NC State
University, and has his MBA
from The College of William
and Mary.
Don earned the designation of Certified Credit Union
Executive of the National
Credit Union Institute and
continues his professional
development through the Institute. He is a Certified Manufacturing Engineer and is on
the adjunct faculty at TNCC.
Don’s past leadership experience includes: president of
the Hampton Roads Chapter
of the Society of Manufacturing Engineers; president of
Region 2 of SME; president of
the Peninsula Basketball Officials Association; Chairman
of the Administrative Board
at Bethany United Methodist
Church; and member of the
Advisory Committee at the
Sentara Hampton Health and
Fitness Center.
Don serves as Chairperson
of the Ethics and Bylaws Committee. He is an active member of the Education, Technology, Salary and Benefits, and
Delinquent Loan Committees.
He is currently employed
at NNS in the Contracts and
Pricing Department.
Don and his wife, Martha,
reside in Yorktown, VA.
Mary L. Cullen
Incumbent
Mary Cullen graduated from
the University of California
(PA) with a Bachelor of
Science Degree in Chemistry.
She holds a Master of Science
Degree in Engineering
Management from Florida
Institute of Technology. Mary
has worked at Newport News
Shipbuilding (NNS) for over
30 years.
As a nuclear qualified
employee, Mary has served
in various engineering,
maintenance, technical and
production management
positions including: Refueling,
New Construction and
Defueling Projects. Mary is
currently the Construction
Director for Nuclear Program
Support and Refueling. She is
responsible for all Production
Refueling work at NNS.
Additionally, Mary serves on
the Trinity Lutheran School
Board and is active in her
church, Good Shepherd, in
Smithfield, VA. Throughout
the years, Mary has also
served on the Board of Girls
Inc, and Peninsula READS.
Mary serves as Chairperson
of the Salary and Benefits
Committee. She also serves on
Policy, Education, Marketing,
and Ethic and Bylaws committees.
Mary lives in Smithfield with
her husband David and their
two children.
Jennifer Mackie Miller
is nominated to fill the
unexpired term of John R.
Plaster for a period of one
(1) year.
J. Paul Kirkland
Incumbent
Incumbent, up for re-election. During his service as a
Director he has served as First
Vice Chairman and as Chairman. Paul currently serves as
Chairman of the Marketing
Committee, and also serves on
the Budget, Policy, Delinquent
Loan and the Governmental
Affairs Committees.
Paul attends Jamestown
Presbyterian Church where he
is an Elder and serves on the
Personnel and Budget Committees.
Paul has served and continues to serve in various volunteer positions in the community and the state. He is a past
Director and a past Treasurer
of The Virginia Credit Union
League. He is a past Director
and a past President/CEO of
the Virginia Corporate Federal
Credit Union. He is a past
President of The Warwick
Lions Club.
Paul has completed twelve
modules of the Credit Union
Volunteer Achievement
Program and is a past Credit
Union Volunteer of the Year.
A native of Alabama and a
graduate of Auburn University,
Paul came to the Peninsula in
1961 and retired from Newport News Shipbuilding after a
career of various management
positions in Manufacturing,
Ship Construction and Plant
Engineering. He and his wife,
Grace, reside in Williamsburg. They have two sons, one
residing in Newport News and
the other in Richmond.
Chris S. Zambas
Dr. Zambas has a Masters
degree in Clinical Audiology
from Penn State University
and Doctor of Audiology degree from the Arizona School
of Health Sciences.
Chris began his career with
NNS in 1973 as an industrial
audiologist and manager of
Audiology in the company’s
medical department. He
retired as a Master Shipbuilder
April 1, 2014, following forty
years of dedicated service.
He has served on several
City of Hampton commissions, including chair of the
Planning Commission for
four years. He also served on
the Parish Council of Saints
Constantine & Helen Greek
Orthodox church for many
years and has been the chairman of the Greek Festival the
past 14 years. He is currently
the chairman of the Peninsula
Board of the Virginia Center
for Inclusive Communities,
VCIC, and an active member
of its Virginia state board.
Chris and his wife Hope, a
retired teacher, live in Hampton. They have two daughters,
Stacie and Marina who reside
in Charlotte, NC. They enjoy
traveling and spending quality
time with their children and
five grandchildren.
David R. Horne
David is a third generation
shipbuilder. David graduated from the Newport News
Shipbuilding Apprentice school,
earned a Bachelor of Science
degree from CNU in Computer Science and a Master of
Science from Florida Institute
of Technology in Engineering
Management.
David began his career with
NNS in 1983 as a Welder, and
has worked in various positions
including Welder, Apprentice
Pipefitter, Foreman, Nuclear
Engineer and Construction
Supervisor. He is currently
Construction Superintendent in
the Refueling and Nuclear Support department.
David serves as the Life to
Eagle mentor for Boy Scout
Troop 200 in Yorktown. He
works closely with scouts and
community service organizations to guide the scouts in executing Eagle Scout projects to
benefit the community. David
also volunteers as a member of
the York County Community
Emergency Response Team.
The Horne family includes
wife Mary Beth, daughter
Danielle and son Nicholas. The
Hornes were all born in Newport News and currently reside
in York county.
Jennifer M. Miller
Jennifer was appointed
by the Board in October,
2016, to fill a vacancy on
the Board created by the
passing of John R. Plaster.
Employed by Newport
News Shipbuilding, Jennifer
currently serves as Business
Manager for the CVN79
program. She has held various manager positions in
the shipyard since 2008.
She holds a Bachelor of
Science in Business Administration and Mathematics
from Mary Washington College and a Masters of Business Administration from
Old Dominion University.
Jennifer has served the
credit union on its Supervisory Committee for six
years. She serves as President of the Gildersleeve
Middle School PTA, as well
as a volunteer for PORT,
an Emergency Winter
Shelter Program, through
her church. Jennifer is also
a member of the Junior
League of Hampton Roads.
She lives in Newport News
with her husband, Phil, and
two children, Megan, age
12 and Matthew, age 9.
Protect Your Debit Card
This Holiday Season
With the arrival of the holiday season, so comes an increase
in the number of thieves and fraudsters. That’s why it is so
important to use the free tools and apps BayPort provides to
keep your money safe.
So before hitting the malls this year, be sure you visit your
App or Play Store to download Debit CardValet®. This free
mobile app gives you control of your debit card like never
before. Debit CardValet lets you:
Nominations by Petition
The 2016 Nominating Committee has filed nominees to serve
on the 2017 Board of Directors. Please review the nominees’
brief statement of qualifications and biographical data featured
in this edition of the BayPort Breeze.
Nominations for vacancies on the Board of Directors may
also be made by petition signed by 500 members. Nominations
by petition must be received by the Nominating Committee
no later than close of business Monday, December 19, 2016.
All forms, including petition forms, may be obtained at any
BayPort Credit Union branch.
If the number of nominees equals the number of positions
to be filled, there will be no election by ballot. There will be no
nominations from the floor accepted at the Annual Meeting.
HOLIDAY CLOSINGS
• Turn your debit card on and off
• Establish transaction controls
• Receive alerts on attempted, declined transactions
• Get real-time balances for your
accounts
With the ability to turn off your card,
you can thwart potential theft. Plus,
alerts may notify you of a problem
immediately.
Download the app TODAY!
Message and data rates may
apply. See your mobile service
provider for details.
Hollydazzle
Join us for this year’s Hollydazzle celebration around the
Fountain Plaza at City Center in Newport News. BayPort will
be there handing out our free special lighted giveaway to be
used during the event.
Saturday, December 3, 2016 • 4:00 pm - 8:00 pm
City Center at Oyster Point • Admission is FREE
BayPort is a proud sponsor of this family event. Be sure to
stop by our tent beginning at 5:00 pm for your special giveaway. (While supplies last)
All offices will be closed on the following dates:
Thanksgiving
Christmas/New Year’s
Thursday, Nov. 24, 2016
Monday, Dec. 26, 2016
Friday, Nov. 25, 2016
Monday, Jan. 2, 2017
Branch locations within city office buildings may be closed additional holidays. 50th St. Branch will close Dec. 24, 2016 - Jan. 2, 2017.
New Business Online Banking Platform
BayPort Business Services is
always searching for ways to
make your business banking
easier and more convenient.
We are excited to announce
our new BayPort Business
Online Banking Platform that
includes many of the same
features you have come to
count on for your personal
online banking needs with
BayPort.
Not only will you keep
all the same features you have
become accustomed to, you
will notice new features added to make your business banking easier. Check out some of the
new features below:
• 2 Part Log In (Username and Password only)
• Transfer funds among linked accounts
• Mobile – Coming first quarter 2017
• Password Recovery
• Credit Card Information
Log on to the new and improved BayPort Business Online Banking Platform today!
bayportcu.org
MEET OUR
FINANCIAL
ADVISORS
At BayPort Financial,
available through CUSO
Financial Services, L.P.
(CFS*), we provide the
tools to help you achieve
your financial goals. We
are dedicated to helping
you meet your retirement
planning, estate planning
and investment management
needs. Call to schedule your
complimentary review.
Mark McKnight
757.928.8931
HELOC Introductory Rate Extended
Stephanie Bard
757.671.8846
New college
New arrival
New addition
addition
There is still time to take advantage of our super low introductory rate on a BayPort
Home Equity Line of Credit (HELOC). For a limited time, you can get an introductory rate of
1.79%APR* for 12 months. HELOCs are a great way to cover costs of home improvements.
But with a rate this low, you can use your HELOC to cover all of life’s transformations.
It’s time your house took care of you with a little help from BayPort. Visit us today to find
out more.
*Terms & credit restrictions apply. Introductory rate good for 12 months from loan disbursal and applies to new money financed only. The rate may vary after the introductory period as it is indexed to the Prime Rate as published in the
Wall Street Journal. Current rate in effect is 3.50% APR. Promotional period ends 11-30-2016. Minimum advance of
$10,000 and maximum loan amount of $417,000. No additional rate reductions during Introductory Rate period.
Margaret Taylor
757.595.2147
*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.
Newport News Shipbuilding Employees’ Credit Union (NNSECU) has
contracted with CFS to make non-deposit investment products and
services available to credit union members. BayPort Credit Union is a
DBA name for NNSECU.
BayPort Locations
Chesapeake
2445 Old Taylor Rd.*
677 N. Battlefield Blvd.*
401 Albemarle Dr.
544 S. Battlefield Blvd.
Gloucester
2369 Geo. Washington Mem. Hwy.*
Grafton
5028 Geo. Washington Mem. Hwy.*
Hampton
2300 Cunningham Dr.
199 Fox Hill Rd.
1168 Big Bethel Rd.
22 Lincoln St., 3rd Floor
Newport News
3711 Huntington Ave.*
5001 Huntington Ave.
3101 Jefferson Ave.
8000 Marshall Ave.
433 Denbigh Blvd.*
12512 Warwick Blvd.
11820 Fountain Way
955 Harpersville Rd.
Norfolk
600 Church St.
Smithfield
1290 Smithfield Plaza
601 North Church St. (restricted)
Suffolk
1463 North Main Street*
Williamsburg
4171 Ironbound Rd.*
Virginia Beach
4388 Holland Rd.*
5225 Providence Rd.*
*Also serve as CO-OP Shared
Branch Locations
Look for this symbol.
Board of Directors
Suzanne M. Beckstoffer, Chairman
Theodore L. Stewart, Sr.,
First Vice Chairman
Pamela J. Rowe, PMP®,
Second Vice Chairman
Maureen H. Davis,
Secretary/Treasurer
J. Paul Kirkland,
Assistant Secretary
Mary A. Campbell
Mary L. Cullen
Nancy P. Hill
Jennifer M. Miller
Donald I. Steppe, CCUE®
George C. Wiatt, Jr., CCUE®
Paul F. Willis, Jr.
Thomasina R. Wright
Phone Numbers
All Branches &
General Information
757.928.8850
Toll-Free Number
1.800.928.8801
Balances/Rates
(Audio Response)
757.244.STAR
Mortgages
757.896.8769
Website
www.bayportcu.org
Board Emeritus
Burton P. Hill
Donald E. King
Robert L. Sterling
EQUAL HOUSING
OPPORTUNITY
This credit union is federally
insured by NCUA.