Pay Off Your Mortgage Consolidate Your Loans Remodel Your Home WAC Home Loan 3.25% APR

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POSTAGE WILL BE PAID BY ADDRESSEE FIRST-CLASS MAIL PERMIT NO.160 BEAVER,PA

WEST-AIRCOMM

FEDERAL CREDIT UNION

PO BOX 568

BEAVER PA 15009-9936

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PO BOX 568 BEAVER PA 15009-9936

IRA

WAC ROTH

•

• An IRA designed to build up funds

without ever paying taxes on the

investment earnings

Call the Member Services Department

at 724-775-9889 for more information

No age limit when you

must start taking withdrawals.

Pay no federal taxes whatsoever on

withdrawals during retirement if you are

age 59-1/2 or older and have had money

in the account for at least five years

IRA Accounts are federally insured up to $250,000 by the NCUA, a U.S. Government Agency.

PURCHASE MONEY AND REFINANCED

MORTGAGES AVAILABLE

• Conventional Fixed Rate, Adjustable,

Jumbo and FHA Loans

• Competitive Rates

• Apply Online at Westaircomm.com or at

any of the Branches

• Questions Contact Scott Brunner at 724-775-6640

BUSINESS REPLY MAIL

FIRST-CLASS MAIL PERMIT NO. 160 BEAVER PA POSTAGE WILL BE PAID BY ADDRESSEE

WEST-AIRCOMM

PO BOX 568

April, 2014

A Quarterly Newsletter Published By West-Aircomm Federal Credit Union

Vol. 32, No. 2

PRODUCTS / SERVICES / CONTACTS

WEST-AIRCOMM VISA PLATINUM CREDIT CARD

724-775-9854

INVESTMENT DEPARTMENT

Call Member Service Rep. at 724-775-9889

SAVINGS ACCOUNTS / NEW MEMBERSHIP

FREE CHECKING ACCOUNT AND VISA DEBIT CARD

PAYROLL DEDUCTION

DIRECT DEPOSIT

HOME BANKING / BILL PAY & ESTATEMENTS

PERSONAL TELLERLINE

724-775-4482 1-888-453-0170 (Outside Area Codes 412 & 724)

FAX

724-775-9635

ROUTING/ACH NUMBER

2433-7970-5

TOLL FREE NUMBER

(Outside Area Codes 412 & 724) 1-888-846-6558 WEBSITE ADDRESS www.westaircomm.com EMAIL ADDRESSES wacfcu@westaircomm.com loansvisa@westaircomm.com newaccounts@westaircomm.com atmdebit@westaircomm.com

MEMBERS FINANCIAL SERVICES

LOAN DEPARTMENT

724-775-9630

Current Loan & Saving Rates At: www.westaircomm.com

Pay Off Your Mortgage

Consolidate Your Loans

Remodel Your Home

WAC Home Loan 3.25% APR

West-Aircomm is now offering a Home

Loan - with a low fixed rate of

3.25% APR

for 96 months

– that can be used for a mul-titude of reasons. Pay off your first mortgage

and save thousands of dollars in interest,

consolidate your loans, remodel your home

or to use the funds for any good reason!

The interest in most cases is tax deductible.

The closing costs for this loan are much

lower than a conventional mortgage and

there aren’t any points or prepayment

penalties. Plus you can close on your loan in

weeks not months!

You can apply for this great offer today

using the convenient application on page

4, online at westaircomm.com, at any of our

branches or by fax at 724-775-9635.

Annual percentage rate accurate as of 04/01/2014 could

change without notice. The fixed monthly 8 year term payment for $10,000 borrowed is $118.45. Owner occu-pied home required. Property insurance required. Title insurance and appraisal may be required. Documentation fee of $250.00. Up to 85% LTV. Subject to WAC’s underwriting standards. Other rates and terms available.

Mark Your Calendar Today!

Saturday,

April 26, 2014

Join us at West-Aircomm’s Annual Meeting on April 26th

When Where Cocktails Meeting Dinner Other Info. Reservations Contact Saturday, April 26, 2014 Seven Oaks Country Club 5:30 p.m. - 6:30 p.m. 6:30 p.m. - 7:00 p.m. 7:00 p.m. Door Prizes and Piano Player Registration Form on Page 6

Erin Forrester at 724-770-5905 Must be present to win More InformationSee Page 6 For

Withholding Notice (Form 2317)

Payments from your IRA are subject to federal income tax withholding, unless you elect no

withholding.

You may change your withholding election at any time prior to your receipt of payment. To change

your withholding election, complete the appropriate form provided by West-Aircomm. Withholding

from IRA payments, when combined with other withholding, may relieve you from payment of

estimated income taxes. However, your withholding election does not affect the amount of income tax

you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax

payments are insufficient.

Contact IRA coordinator, Renee Hubbard, at 724-775-6640, for more information.

A Special Invitation To Attend West-Aircomm’s Annual Meeting

April 26, 2014 • Seven Oaks Country Club

I would like to make the following reservation(s) to attend the Annual Meeting.

Entree Choices are: Oven Roasted Prime Rib of Beef, Sesame Salmon or Chicken Marsala. The cost is $30.00 each.

Please make check or money order payable to West-Aircomm Federal Credit Union and mail to West-Aircomm Annual Meeting, P.O. Box 568, Beaver, PA 15009-0568. Attendees full name(s) required for prize registration. Please indicate dinner choice also. My Name: Account Number: Home Phone: Dinner Choice: Guest’s Name: Dinner Choice: Guest’s Name: Dinner Choice: Guest’s Name: Dinner Choice:

–2–

A Message from

CEO Ray Brunner

–3–

Credit Union

Updates

–4–

Home Equity

Credit

Application

–6–

Members

Products

and

Services

–6–

Annual

Meeting

Registration

Form

Sonos Wireless Speaker with Network Capabilities and Kindle Fire HD 7”

You can stream music through the Kindle Fire into the speaker from

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FEDERAL CREDIT UNION'S Vol. 32, No. 2 April, 2014 P.O. Box 568 485 Buffalo Street Beaver, PA 15009-0568 724-775-6640 • 724-775-6645 FAX: 724-775-9635

989 Beaver Grade Road Moon Twp., PA 15108 412-264-2613 FAX: 412-264-2833 2015 Main Street Aliquippa, PA 15001 724-378-3534 FAX: 724-378-6083

BEAVER OFFICE HOURS

MON., TUES., WED., FRI. 9:00 a.m. - 4:45 p.m. THURS. 9:00 a.m. - 6:00 p.m.

SAT. 9:00 a.m. - Noon

BEAVER DRIVE-THRU HOURS

MOON OFFICE & DRIVE-THRU HOURS

MON., TUES., WED., FRI. 9:00 a.m. - 4:45 p.m. THURS. 9:00 a.m. - 6:00 p.m. SAT. 9:00 a.m. - Noon (Drive-Thru Only)

ALIQUIPPA OFFICE & DRIVE-THRU HOURS

MON., TUES., WED., FRI. 9:00 a.m. - 4:45 p.m. THURS. 9:00 a.m. - 6:00 p.m. Ray Brunner, CEO/Director

Phil Pietrandrea, Chairman Larry McDaniels, Vice Chairman Mike Spanik, Treasurer

Logan Little, Secretary Dave Hodge, Director Rod Bear, Director

Board of Directors

A Message from CEO Ray Brunner

The Pennsylvania Credit Union Association,

a statewide trade association, awarded WAC

the prestigious 2014 Dora Maxwell award

exemplifying outstanding community service

I’d like to recap 2013 and where we are headed in 2014. WAC had a success-ful year in 2013 serving our twenty thousand plus members. Unlike a bank, we are owned by our members not by 3rd party stockholders. This means that our main focus are the members of WAC and we offer not only competitive loan and savings rates, but products and services that bring value to our members. WAC offers as many products and services as most community banks. However, comparing the entire portfolio of our products and services, I believe we offer a much better value to our members than the banks offer to their customers. In 2013, our assets grew about $5 million to $192 million, while loans grew to more than $106 million, an increase of 7.00% from 2012. The growth in loans was driven by home equity refinance specials and indirect auto lending at the dealership. Our free checking account, without any mini-mums or banker small print, grew rapidly last year to almost ten thousand accounts. I’m really pleased to report that the number of products/services being used per member is around four. This is much higher than the competition and reflects our member driven value of products/services. For the seventh consecutive year, WAC was voted by the read-ers’ of the Beaver County Times the “Best of the Valley” in the category of Credit Unions/S&L’s. We carried on the tradition of distributing scholarships to graduating seniors at area high schools and at our annual meeting in 2013. On another positive note, an employee community volunteer pro-gram named W.A.C. Cares was started in late 2012, but the program really took off in 2013. Most of the WAC employees volunteered, throughout 2013, in numerous community events generously giving back to their communities. The Pennsylvania Credit Union Association, a statewide trade as-sociation, awarded WAC the prestigious 2014 Dora Maxwell award exemplifying outstanding community service! We will receive the award at the PCUA’s annual convention in May. We once again have an excellent home loan product fea-tured on page 1 of the Upfront. A fixed rate 3.25% APR for an eight year term with minimal closing costs. The experts have been predicting rising interest rates for the past year or two and I think they might finally get it right this year. So if you’re looking for a low cost home loan, this might be a good time to take advantage of this offer. If you are looking for a Home Equity Line of Credit (HELOC), we presently have a low introductory rate good for one year with minimal clos-ing costs. Beginning April 1st, our Thursday evening hours for the lobby and drive-thru will change in the Beaver and Moon branches. The new closing time is 6:00 p.m. versus 6:45 p.m. The hours were reduced because of declining member transactions after 6:00 p.m. On behalf of the board of directors and the employees, I thank each of you for supporting your credit union. I hope to see you at the annual meeting on April 26th at Seven Oaks Country Club.

1. NOTE AND COMPLETE

   

 Individual Credit: Complete Applicant section. Complete Co-Applicant, Spouse (referred to as “Other”) section: (1) about your spouse if you live in a community property state (AZ, CA, ID, LA,

NM, NV, TX, WA, WI), or (2) if your spouse will use the Account. Please check box to indicate whom the information is about.

Married Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit.

   

 CO-APPLICANT  SPOUSE

Use “SAA” if information is “Same As Applicant”

WEST-AIRCOMM FEDERAL CREDIT UNION

HOME EQUITY CREDIT APPLICATION

2. APPLICANT INFORMATION

APPLICANT

Please print in ink or type.

Name (Last - First - Initial) Driver’s License Number/State

Account Number Social Security Number Birth Date Home Phone Business Phone/Ext. Present Address (Street - City - State - Zip)

   

 Own  Rent Years At This Address

Complete for Joint Credit, Secured Credit or if you live in a Community Property State: 



 Married  Separated  Unmarried (Single - Divorced - Widowed) List Ages of Dependents not listed by other Applicant (exclude self)

( ) ( )

  

 Own  Rent Years At This Address

  

 Married  Separated  Unmarried (Single - Divorced - Widowed) List Ages of Dependents not listed by other Applicant (exclude self)

( ) ( ) 6. DEBTS    

 Joint Credit: Provide information about both of you by completing Applicant and Other section.

HELOC Credit Line Amount Requested $ Purpose of Loan:

In addition to Rent/Mortgage list all other debts (for example auto loans, credit cards, second mortgage, home assoc. dues. alimony, child support, child care, medical, utilities, auto insurance, IRS liabilities, etc.) Please use a separate line for each credit card and auto loan. Attach other sheets if necessary. Circle A (Applicant) or C (Co-Applicant) or both if applicable.

Creditor Name Present Balance Monthly Payment If Past Due ✓

You promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA. If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter.

APPLICANT’S SIGNATURE

x

OTHER SIGNATURE

x 7. SIGNATURES

Notice: Alimony, Child Support or Separate Maintenance Income need not be revealed if you do not choose to have it considered.

Employment Income Other Income

$ Per $ Per 

  

 Net  Gross Source

$ Per $ Per 

  

Address of Property to be Held on Home Equity Loan

1st Mortgage Bal. Date Bought Price of Property Market Value Payment Monthly 2nd Mortgage Bal. To Whom Payment Monthly

Name of Creditor Holding First Mortgage

A A A A C C C C

Name and Address of Employer

3. EMPLOYMENT INFORMATION

Starting Date Ending Date Your Title/Grade Supervisor’s Name

Start Date Hours at Work If Self Employed, Type of Business If Employed in Current Position less than five years, Complete Previous Employer Name and Address

Military: Is Duty Station Transfer Expected During Next Year  Yes  No Where Ending/Separation Date

Military: Is Duty Station Transfer Expected During Next Year  Yes  No Where Ending/Separation Date Name and Address of Employer

4. INCOME INFORMATION

5. REAL ESTATE DATA

   

 Home Equity Fixed Amount Requested $

Repayment:     Payroll Deduction    Cash   Automatic Payment      Other

DATE DATE

UpCOMing HOlidAys

MEMORIAL DAY - Monday, May 26, 2014 INDEPENDENCE DAY - Friday, July 4, 2014 LABOR DAY - Monday, September 1, 2014 COLUMBUS DAY - Monday, October 13, 2014 VETERAN’S DAY - Tuesday, November 11, 2014 THANKSGIVING - Thursday, November 27, 2014 CHRISTMAS EVE - Wednesday, December 24, 2014 (close at 1:00 p.m.) CHRISTMAS - Thursday, December 25, 2014 NEW YEAR’S EVE - Wednesday, December 31, 2014 (close at 2:00 p.m.)

Budget $ense

Virtual Branch Users

We are offering an exciting free new service called Budget $ense! Budget $ense provides you with the tools to help you successfully manage and track your finances. You can create a budget, monitor expenses, and set goals. Budget $ense allows you to track your upcoming bills and income. It also enables you to view all of your accounts in one convenient location. Budget $ense helps you improve your overall financial health. If you are already a Virtual Branch user, simply log into Virtual Branch and click on the Budget $ense tab. If you would like to become a Virtual Branch user, go to westaircomm.com to sign up. You then will be eligible for the tangible benefits of Budget $ense!

Enterprise Car sale

Rates As low As 0.99% ApR

April 1 – 30, 2014

West-Aircomm is again partnering with Enterprise Car Sales for a month long used car event, from April 1st to April 30th. WAC is offering record low financ-ing for this sale! Qualified borrowers will receive an incredible rate of 0.99% ApR up to a 36 month term and a low rate of

1.99% ApR from 37 – 60 months! Visit westaircomm.

com to get preapproved for this sale. There will be a wide assortment of used cars available for this sale at Campbells Run Road located in the Crafton/ Robinson Township area or at their North Versailles loca-tion. You can preview a great selection of late-model used vehicles at enterprisecarsales.com/westaircomm. So if you’re in the market for a quality used car backed by Enterprise’s “Perfect Used Car Package” and record low WAC financing, please take advantage of this opportunity.

new Thursday Evening Hours

Beginning April 1, Thursday evening hours effecting the Beaver and Moon locations have changed. The lobby and drive-thru will close at 6:00 p.m., we previously were open until 6:45 p.m. The hours have been ad-justed because of declining member transactions after 6:00 p.m.

(3)

A Message from CEO Ray Brunner

The Pennsylvania Credit Union Association,

a statewide trade association, awarded WAC

the prestigious 2014 Dora Maxwell award

exemplifying outstanding community service

   

WEST-AIRCOMM FEDERAL CREDIT UNION

HOME EQUITY CREDIT APPLICATION

APPLICANT

   



( ) ( )

  

  

( ) ( ) 6. DEBTS    

x

OTHER SIGNATURE

x 7. SIGNATURES

$ Per $ Per 

  

$ Per $ Per 

  

A A A A C C C C

   

DATE DATE

UpCOMing HOlidAys

Budget $ense

Virtual Branch Users

Enterprise Car sale

Rates As low As 0.99% ApR

April 1 – 30, 2014

new Thursday Evening Hours

(4)

A Message from CEO Ray Brunner

The Pennsylvania Credit Union Association,

a statewide trade association, awarded WAC

the prestigious 2014 Dora Maxwell award

exemplifying outstanding community service

   

WEST-AIRCOMM FEDERAL CREDIT UNION

HOME EQUITY CREDIT APPLICATION

APPLICANT

   



( ) ( )

  

  

( ) ( ) 6. DEBTS    

x

OTHER SIGNATURE

x 7. SIGNATURES

$ Per $ Per 

  

$ Per $ Per 

  

A A A A C C C C

   

DATE DATE

UpCOMing HOlidAys

Budget $ense

Virtual Branch Users

Enterprise Car sale

Rates As low As 0.99% ApR

April 1 – 30, 2014

new Thursday Evening Hours

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(CUT

ON DOTTED LINE.)

(CUT

ON DOTTED LINE.)

BUSINESS REPLY MAIL

WEST-AIRCOMM

PO BOX 568

(CUT

ON DOTTED LINE.)

(CUT

ON DOTTED LINE.)

BUSINESS REPLY MAIL

WEST-AIRCOMM

IRA

WAC ROTH

•

• An IRA designed to build up funds

without ever paying taxes on the

investment earnings

Call the Member Services Department

at 724-775-9889 for more information

No age limit when you

must start taking withdrawals.

Pay no federal taxes whatsoever on

withdrawals during retirement if you are

age 59-1/2 or older and have had money

in the account for at least five years

IRA Accounts are federally insured up to $250,000 by the NCUA, a U.S. Government Agency.

PURCHASE MONEY AND REFINANCED

MORTGAGES AVAILABLE

• Conventional Fixed Rate, Adjustable,

Jumbo and FHA Loans

• Competitive Rates

• Apply Online at Westaircomm.com or at

any of the Branches

• Questions Contact Scott Brunner at 724-775-6640

BUSINESS REPLY MAIL

WEST-AIRCOMM

PO BOX 568

April, 2014

A Quarterly Newsletter Published By West-Aircomm Federal Credit Union

Vol. 32, No. 2

PRODUCTS / SERVICES / CONTACTS

724-775-9854

DIRECT DEPOSIT

FAX

724-775-9635

2433-7970-5

LOAN DEPARTMENT

724-775-9630

Pay Off Your Mortgage

Consolidate Your Loans

Remodel Your Home

WAC Home Loan 3.25% APR

West-Aircomm is now offering a Home

Loan - with a low fixed rate of

3.25% APR

for 96 months

– that can be used for a mul-titude of reasons. Pay off your first mortgage

and save thousands of dollars in interest,

consolidate your loans, remodel your home

or to use the funds for any good reason!

The interest in most cases is tax deductible.

The closing costs for this loan are much

lower than a conventional mortgage and

there aren’t any points or prepayment

penalties. Plus you can close on your loan in

weeks not months!

You can apply for this great offer today

using the convenient application on page

4, online at westaircomm.com, at any of our

branches or by fax at 724-775-9635.

Saturday,

April 26, 2014

Join us at West-Aircomm’s Annual Meeting on April 26th

Withholding Notice (Form 2317)

Payments from your IRA are subject to federal income tax withholding, unless you elect no

withholding.

You may change your withholding election at any time prior to your receipt of payment. To change

your withholding election, complete the appropriate form provided by West-Aircomm. Withholding

from IRA payments, when combined with other withholding, may relieve you from payment of

estimated income taxes. However, your withholding election does not affect the amount of income tax

you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax

payments are insufficient.

Contact IRA coordinator, Renee Hubbard, at 724-775-6640, for more information.

A Special Invitation To Attend West-Aircomm’s Annual Meeting

April 26, 2014 • Seven Oaks Country Club

–2–

A Message from

CEO Ray Brunner

–3–

Credit Union

Updates

–4–

Home Equity

Credit

Application

–6–

Members

Products

and

Services

–6–

Annual

Meeting

Registration

Form

(6)

(CUT

ON DOTTED LINE.)

(CUT

ON DOTTED LINE.)

BUSINESS REPLY MAIL

WEST-AIRCOMM

PO BOX 568

(CUT

ON DOTTED LINE.)

(CUT

ON DOTTED LINE.)

BUSINESS REPLY MAIL

WEST-AIRCOMM

IRA

WAC ROTH

•

• An IRA designed to build up funds

without ever paying taxes on the

investment earnings

Call the Member Services Department

at 724-775-9889 for more information

No age limit when you

must start taking withdrawals.

Pay no federal taxes whatsoever on

withdrawals during retirement if you are

age 59-1/2 or older and have had money

in the account for at least five years

IRA Accounts are federally insured up to $250,000 by the NCUA, a U.S. Government Agency.

PURCHASE MONEY AND REFINANCED

MORTGAGES AVAILABLE

• Conventional Fixed Rate, Adjustable,

Jumbo and FHA Loans

• Competitive Rates

• Apply Online at Westaircomm.com or at

any of the Branches

• Questions Contact Scott Brunner at 724-775-6640

BUSINESS REPLY MAIL

WEST-AIRCOMM

PO BOX 568

April, 2014

A Quarterly Newsletter Published By West-Aircomm Federal Credit Union

Vol. 32, No. 2

PRODUCTS / SERVICES / CONTACTS

724-775-9854

DIRECT DEPOSIT

FAX

724-775-9635

2433-7970-5

LOAN DEPARTMENT

724-775-9630