Franklin Trust FCU is part of the CO-OP and SUM ATM networks, with over 30,000 surcharge-free ATMs nationwide! To find a surcharge-free ATM near you, just log on to www.co-opnetwork.org or www.sum-atm.com!
FRANKLIN TRUST FEDERAL CREDIT UNION
SPRING/SUMMER 2011
Serving Our Member-Owners Since 1934
Elections and Nominations
Elections will be held at the Annual Meeting for the Board of Directors and reports will be presented on the status and progress of your Credit Union. Nominations for the Board of Directors can be made by resume or petition.
Nominations by petition must be signed by at least 65 FTFCU members and must be accompanied by a resume from the nomi-nee(s), along with a signed certificate from the nominee(s) stating agreement and willingness to serve if elected. Nominations by
petition must be filed with the Board Secretary by May 5, 2011. The Secretary will post the names of all nominees in a conspicuous place in the Credit Union by May 10, 2011.
All elections of Board members will be determined by plurality vote and will be by ballot, except where there is only one nominee for the position. No nominations can be accepted from the floor unless sufficient nominations have not been made by the
Nominating Committee or by petition to provide for each position to be filled.
Come join in the fun and participate in the affairs of your member-owned and member-directed Credit Union!
Franklin Trust FCU Annual Meeting
Tuesday, June 14, 2011 • Starting at 7:30 p.m.
at Main Office: 632 Franklin Avenue, Hartford, CT
OUR “PREFERRED CHECKING” IS SO COOL!
Surcharge-Free ATMs: 30,000
Win
$50!
SEE D
ETAIL
S
INSID
E…
NO minimum balance. NO monthly
service charge. NO per-check charges.
No cost for online statements or
online check images. Unlimited debit card use.
We even pay for your check reorders!
All this – and more – when you have
Direct Deposit of your net check to FTFCU.
Have your checking account elsewhere?
Switch today – and $ave!
Good
for Your
Child’s
Future
Introduce your children or grandchildren to the lifelong
benefits of saving by opening an FTFCU account for them! The standard $10 membership fee is waived for youngsters aged 18 years and under. Be sure to inquire about the special offers that are available for your child’s age group. For details, call us at (860) 296-4379, ext. 110.
Save with Sprint!
Both new and existing Sprint customers can save 10% off most regularly priced Sprint individual service plans! Enjoy other exclusive offers that only credit union members can receive, too!
Three Ways to Get Your Discount:
- Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save
- Click www.SprintSave4CU.com - Visit your nearest Sprint store Franklin
Trust Federal Credit Union wants you to pay a lot less for electricity. In Connecticut, you can now save up to 20% on the generation portion of your elec-tric bill. Enrollment is FREE, easy and there’s NO CATCH! Sign up by going to
www.franklintrust.org and
click on the “Discount Power” button on our home page. All you need is a copy of your elec-tric bill. Simply fill out the resi-dential enrollment form and submit your application. An
email from Discount Power will provide a link to confirm your enrollment. Your request is then submitted to your utility provider to let them know you have switched your generation provider. On the next meter read date, the change will go into effect. You will see the savings on your bill once you have gone through a full meter read cycle. Of course, you are welcome to bring your electric bill to any Franklin Trust office. We would be glad to answer any questions and help you sign up.
Sign up today – and start saving! Enter the drawing for $50!
It’s easy… just “Like” us on Facebook! One person will be chosen at random on June 30, 2011 from all eligible entries. The winner will be notified and his/her name will be posted on our Facebookpage!
Visit www.franklintrust.org and click the link on our home page to access our Facebookpage. Or simply enter “Franklin Trust Federal Credit Union” on your Facebookpage. Don’t delay – “Like” us today!
Only Franklin Trust FCU members (excluding FTFCU employees) are eligible for the drawing. The prize will be deposited into the winner’s FTFCU share account.
YOUTH
ACCOUNTS:
Win $50!
“Like” Franklin Trust
Federal Credit Union on
!
Save up to 20% on the Cost of Your Electricity!
Sign up for
“FRED”
FRED(Franklin Remote Electronic Deposit) allows you convenient access to your Franklin Trust account via scanner from anywhere that you have internet access, to deposit checks, submit a loan payment – and more! Save time, postage and gas costs. “FRED”is freefor qualified members. For details, call us at (860) 296-4379, ext. 110.
A Health Savings Account (HSA) affords you flexibility and control over your health care costs. Included among the many benefits of having an HSA is your ability to deduct your
contributions, your earnings accumulating on a tax-deferred basis, and distributions being tax-free if they are used for qualified medical expenses. In addition, you can contribute at any time, with your balance rolling over from year to year. You can even take your account with you, if you change jobs.
To learn about all the benefits of an HSA, stop by any FTFCU office
or call us at (860) 296-4379, ext. 110.
Our
Qwik Ca$h
loan saves you money
when compared to others’ Pay Day Loans!
Loans range from $200-$1,000, with terms up to six months. For details, please call our Loan Department at (860) 296-4379 ext. 107, 114, 203 or 204.
Need cash quickly?
Get a Qwik Ca$h loan!
For convenience and less stress, start saving now for next year’s vacation with a Vacation Club account. By signing up for payroll deduction, you can
automatically set aside funds for your dream getaway.
Hartford Public Schools teachers: Join our “March Club” for next year’s
school break. It works just like a Vacation Club!
Health Savings Account
Don’t Get
Ripped-Off!
Say “NO” to payday
lenders! If you need
cash, see FTFCU!
Better Rates
+ Better Service
Better Deal!
Auto Loans
as low as
3.25
%
SPECIAL
REFINANCE
OFFERS
Refinance loans from another financial institution with us and receive cash:
•
$300 PAID ON A
HOME EQUITY LOAN
($50,000 or more)
•
$200 PAID ON
AN AUTO LOAN
($20,000 or more)
•
$100 PAID ON
AN AUTO LOAN
($10,000 or more)
HOME EQUITY
LOANS
as low as3.99
%
Home Equity
LINES OF CREDIT
available, too!
Call for details!
VISA Card
TRAVELING? Remember to
let us know, so your Franklin Trust VISA credit/debit card won’t be blocked. Then take your card with you and enjoy the convenience – and your trip!
Don’t have one? Sign up
today to receive our special introductory rate!
Current Franklin Trust VISA Cardholders: Transfer $2,500
minimum from another lender to your FTFCU VISA account to receive our special rate!
S P E C I A L V I S A
INTRODUCTORY &
BALANCE TRANSFER RATE:
4.75
%
w i t h p a y r o l l d e d u c t i o n ; 2% higher without payroll deduction. Offer good for first 9 months!
VISA CREDIT CARD RATE
9.9
%
(Contact us for details!)
APR
1APR
1APR
1,21APR = Annual Percentage Rate. 2Rate shown is for Club 75 Platinum level members; rate for other
members will be higher. All rates are subject to change. Auto Loan and VISA rates are based on payments made through Payroll Deduction. Please call our Loan Dept. at (860) 296-4379, ext. 107, 114, 203 or 204 for updates and information.
As
Low
As
APR
1OPEN YOUR
VACATION
CLUB ACCOUNT
TODAY
THANK YOU
for Your Loyalty
We appreciate the loyalty shown by all of our member-owners, and extend a special “thank you” to those who – for whatever reason – elected to file for bankruptcy in the past, yet still paid off their Franklin Trust loans. Your loyalty to your credit union family in these very challenging economic times is very much appreciated. Please know that we will be here for you in the future.
Since 1934, Franklin Trust has been a stable, dependable and trustworthy financial institution. No member-owner has ever lost
a penny of insured savings with us. You can count on us to be here
for you and your family in the years ahead, providing world-class service for all your financial needs.
Sign Up for Convenience:
NetTeller & Bill Payer
NetTeller is our free online banking service. You can
look up your balances, make transfers, print cleared check images - and much more - from anywhere online!
Bill Payer saves you time and postage costs by allowing you to
pay your bills online. You control the timing and amount of your payments. Bill Payer is free with Direct Deposit, otherwise there is a nominal monthly fee.
For more information about these easy-to-use services, call us at (860) 296-4379 x 110.
Franklin Trust Receives Award
Franklin Trust FCU recently received a Hartford Blooms Award, presented by the Knox Parks Foundation. The award “recognizes and honors Hartford residents and businesses that have created outstanding landscaped properties and, in the process, contributed to the beautification of their neighborhoods and improved the quality of life in the City.” Our offices on Franklin Avenue (pictured) and Asylum Street were cited for this honor.
FTFCU
MEMBERSHIP IS A
LIFETIME BENEFIT
Always keep your Franklin Trust membership, even if you leave your job or relocate. You can readily access your accounts online via NetTeller (just log on to: www.franklintrust.org and click on “NetTeller”), by phone, fax, mail, and at over
4,200
credit union service centers nationwide (locate at: www.creditunion.net). By retaining your membership, you’ll be able to compare our products and services with others’ – and select the best choice for you!“Once a Member, Always a Member”…
an important benefit of your membership in FTFCU!
VISA Gift Cards
VISA Gift Cards make terrific gifts –
and make gift-giving easy! Safe and convenient, they can be used wherever VISA is accepted. Cards cost from just $3.50,
“Club 75”
In Club 75, you can earn up to .75% added to your new certificate rate and/or up to
.75% deducted from your new loan rate (VISA,
HELOC & Overdraft Protection excluded), plus enjoy free or discounted rates on many items, including safe deposit boxes, VISA gift cards, money orders, traveler’s checks, and GAP Insurance.
Club 75points are awarded automatically according to the Franklin Trust products and services you use. Maximum benefits are attained when you reach 75points, which is our Platinum level.
Club 75was introduced in 2009, in conjunction with our
75thAnniversary. For details or to check yourClub 75
level, visit any of our offices or call us at (860) 296-4379, ext. 110.
Share Your Thoughts with Us
Have an idea that would improve our credit union? Please let us know.
Simply use the Suggestion Boxes in any of our offices or email your comments directly to our President, Kiernan J. Dubay, at kdubay@franklintrust.org.
A native of Guyana, Kabita Bhajan came to the United States some nine years ago. Initially, she and her family were residents of Queens in “The Big Apple”, before settling in Connecticut in March, 2005. Just one month later, Kabita joined the staff at Franklin Trust.
With prior experience in the financial services industry, Kabita began at FTFCU as a Member Service Representative. She later took on added responsibilities as a Member Service Supervisor, and has since been promoted to Loan Processor, working in both our West Hartford Office and Main Office.
Away from work, the U.S. Citizen enjoys traveling throughout America, as well as to other countries. She likes to spend time in the kitchen, too, cooking a variety of different foods.
Fate brought Kabita and her husband, Sunil, together.
“We were classmates back in Guyana, and had not seen each other in 12 years,” she explains. “We happened to meet when he was visiting Guyana, while I was still living there. And he happened to live in Queens, where I had family.” After a two-year courtship, the couple married and now have two handsome sons: Jonathan (3 years old) and Nicholas (1 year, seven months).
We’re glad that Fate brought Kabita to Franklin Trust, too.
Employee
Spotlight
Kabita Bhajan
Franklin Trust Federal Credit Union is owned by its members and run by a Board of Directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial infor-mation.
We are committed to providing you with competitive products and services to meet your financial needs, which neces-sitates that we share information about you to complete your transactions and to provide you with certain financial oppor-tunities. In order to do so, we have entered into agreements with other com-panies that provide either services to us or additional financial products for you to consider.
Under these arrangements, we may dis-close all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institu-tions with whom we have joint market-ing agreements. To protect our members’ privacy we only work with companies that agree to maintain strong confiden-tiality protections and limit the use of information we provide. We do not
per-mit these companies to sell to other third parties the information we provide to them.
INFORMATION WE COLLECT AND DISCLOSE ABOUT YOU
We collect the following nonpublic infor-mation about you from a variety of sources and may disclose all the infor-mation we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
From membership and loan applications and other forms, we obtain information such as name, address, social security number and income.
From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.
From consumer reporting agencies, we obtain information such as your credit-worthiness and credit history.
From verifications of information you provide on applications and other forms, we obtain information from current or
past employers, other financial institu-tions and other sources listed on the application.
We may also disclose information we col-lect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.
If you terminate your membership with Franklin Trust Federal Credit Union, we will not share information we have col-lected about you, except as permitted by law.
HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employ-ees who have a specific business pur-pose in utilizing your data. Our employ-ees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
Franklin Trust Federal Credit Union
Main Office
632 Franklin Avenue
Hartford, CT 06114
Serving Our Member-Owners Since 1934
Member Services
MAIN OFFICE
632 Franklin Avenue, Hartford, CT 06114 Mon., Tues., Fri.: 7:00 a.m. - 4:30 p.m. Wed.: 10:00 a.m. - 1:00 p.m.
Thursday: 7:00 a.m. - 7:00 p.m. Saturday: 9:00 a.m. - 12:00 noon Sunday: 1:00 p.m. - 4:00 p.m.
NO SUNDAY HOURS
Memorial Day through Labor Day
WEST HARTFORD OFFICE
927 Farmington Avenue, West Hartford, CT 06107 Mon., Tues., Thurs., Fri.: 9:00 a.m. - 4:30 p.m. Wed.: 10:00 a.m. - 1:00 p.m.
DOWNTOWN HARTFORD OFFICE
277 Asylum Street, Hartford, CT 06103
Mon. & Wed.: 10 a.m. - 1 p.m. •Fri.: 10 a.m. - 3 p.m.
Phone: (860) 541-0088 Fax: (860) 541-0095
The following branches are active when school is in session (for students, staff & employees only):
BULKELEY HIGH SCHOOL BRANCH
300 Wethersfield Avenue, Hartford, CT Tues. & Thurs.: 9:00 a.m. - 12:00 p.m.
HARTFORD PUBLIC HIGH SCHOOL BRANCH
55 Forest Street, Hartford, CT Tues. & Thurs.: 1:00 p.m. - 4:00 p.m.
General Information: (860) 296-4379 Loan Dept. Extensions: 107, 114, 203 & 204 Audio Response Extension: 1
Toll-Free: (866) 835-8485 Fax: (860) 761-1980 Email: ftfcu@franklintrust.org Website: www.franklintrust.org
Facebook: Franklin Trust Federal Credit Union MySpace: www.myspace.com/ftfcu
Shared Service Centers Locator: www.creditunion.net Surcharge-Free ATM Locations:
www.co-opnetwork.org • www.sum-atm.com
SAVINGS LOANS
Contact Us
Upcoming Holiday Schedule
ADDITIONAL SERVICES
Share Savings Accounts Checking Accounts Gold Star Money
Market Accounts Term Share Certificates Individual Retirement
Accounts (IRAs) Christmas/Holiday Club
Accounts
Vacation Club Accounts Health Savings Accounts Coverdell Education
Savings Accounts Youth Accounts March Club Summer FUNd Club VISA Club Accounts
Home Equity Home Equity Line of Credit Mortgages Automobile Personal Lifestyle Heating Helper Qwik Cash Overdraft Protection Quinceanera Direct Deposit of Net Check Payroll Deduction NetTeller Internet Banking Shared Service Centers
“FRED” Franklin Remote Electronic Deposit On-Line Bill Payer VISA Classic, Gold &
Platinum VISA Debit Card VISA Gift Card E-Statements Audio Response Check Images Online
Safe Deposit Boxes Drive-Up Windows Electronic Rates Boards Kiosks
Identity Theft Protection Night Deposit Boxes Accident and Health
Insurance Life Insurance on Loans Long-Term Care Insurance Temporary Disability Insurance Traveler’s Checks Financial Counseling Free Notary Service to
Members
GOOD FRIDAY & EASTER HOLIDAY Closed Friday, April 22 through Sunday, April 24
MEMORIAL DAY Closed Monday, May 30 INDEPENDENCE DAY Closed Monday, July 4 LABOR DAY
Closed Monday, September 5 COLUMBUS DAY
Closed Monday, October 10 VETERAN’S DAY
Closed Friday, November 11
Also visit us at…
West Hartford Office 927 Farmington Avenue (near Blue Back Square)
Downtown Hartford Office 277 Asylum Street (at High School, Inc.)
www.franklintrust.org
Earn
$300 CASH
OR MORE!
REFINANCE WITH US!
(Details inside!)
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