great low rates, no annual fees, higher credit limits, transfer from higher rate credit cards,

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(1)

great low rates, no annual fees,

higher credit limits, transfer

balanc-es from higher rate credit cards,

consolidate and save, up to $30,000

credit lines, superior way to pay

for purchases and travel, access

online, no balance transfer fees

get

platinum!

5

.

9

%

APR* for 1 year on balances transferred

Spring 2008 Member-Owner newsletter

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631 www.coafcu.org Onewsletter OPage 1

read it today!

Better BanKinG begins with MeMBersHiP address forcorrespondence

,

deposits andloanpayments

P.O. Box 631, Abilene TX 79604-0631

e

-

mail

:

CU@coafcu.org

online

:

www.coafcu.org maintelephoneswitchboard

(325) 691-2300 or (800) 535-2157

HoursMonday – Friday 8:30am to 5:30pm

applyforaloan24/7 (866)292-7675

memberrelations (325) 691-2330 delinquencyoffice (325) 691-2316

communities ofabilene federalcreditunion downtownbranch

3661 N. 6th Street, Abilene, TX 79603-5644 (325) 673-0069 Fax

Lobby Hours

Monday – Friday 9:00am to 5:30pm Saturday: Closed

Drive-Thru Hours

Monday – Friday: 7:30am to 6:00pm Saturday: 8:30am to 1:00pm

dyessair forcebase branch

341 Avenue C, Dyess AFB, TX 79607 (325) 692-9571 Fax

Lobby Hours

Monday - Friday: 8:30am to 5:00pm Saturday: Closed

Drive-Thru Hours

Monday - Friday: 8:00am to 5:00pm Saturday: Closed

max telephoneteller - 24 hours, 7 days

(325) 691-2301 or (800) 231-3328

lost

/

stolendebitorcreditcards

Visa Debit Card (800) 754-4128

MasterCard Credit Card (800) 442-4757

aba

/

routingandtransitnumber

311380859

Better BanKinG begins with MeMBersHiP

newsletter OPage 6 Owww.coafcu.org

aBilene

Communities of Federal Credit Union Gerald Garrett Chairman

Louis Zientek Vice Chairman Jamie Villegas Secretary/Treasurer Carl Johnson Director

Bob Sayer Director Diane Schmahl Director William Toornburg Director

Scott Kemp Chairman Rodney Bagley Secretary

Robin King Member

Gavin Cochran President/CEO

BOard Of directOrS

SuperviSOry cOMMittee

executive Staff

drive it

,

cheaper

and

easier

!

buy it

If you can

we can help you

Present your CoAFCU preferred Buyer’s club (pBc) card (below) at a partici-pating dealership and Apply And close your new or used vehicle loAn on the spot! You don’t even have to leave the dealership to get our great–rate financing. The dealership’s finance manager will take your applica-tion and process your CoAFCU vehicle loan all right there — on the spot!

calendar

of

events

EQUAL HOUSING LENDER

Better BanKinG begins with MeMBersHiP

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631 www.coafcu.org Onewsletter OPage 5

ParticiPatinG dealersHiPs in Abilene, Texas:

OLithia Toyota of Abilene

4449 Southwest Dr | 325-793-3000 www.ToyotaAbilene.com

O Max’s Kawasaki, Honda, Yamaha, Polaris

941 N Mockingbird | 325-673-4636 www.MaxsCycle.com

O McGavock Nissan of Abilene

3550 S Clack St | 325-695-2970 www.McGavockNissan.com

OSaturn of Abilene

1424 S Clack St | 800-698-0211 www.SaturnofAbilene.com

OStar Dodge-Hyundai of Abilene

5101 S 1st St | 800-933-6376 www.AbileneCars.com www.ArrowDealerships.com OArrow Ford 4001 S 1st St | 800-381-4302 OArrow Chrysler/Jeep 3995 S 1st St | 800-861-7851 OArrow Mitsubishi 200 S Clack St | 800-861-7857 www.LawrenceHall.com

OLawrence Hall Chevrolet/Cadillac 1385 S Danville Dr | 325-695-8800

OLawrence Hall Pontiac/ Buick/GMC 200 N Clack St | 325-695-8885

OLawrence Hall Lincoln/ Mercury/Mazda

1300 S Clack St | 325-695-8811

OLithia Honda of Abilene

1395 S Danville Dr | 325-793-3028 www.HondaofAbilene.com

ParticiPatinG dealersHiPs, Texas:

OBlake Fulenwider Chrysler, Dodge, Jeep

110 North Access Rd, Clyde 325-893-1416 | www.BlakeCDJ.com

OHanner Chevrolet, Pontiac, GMC Trucks

I20 & FM 2047, Baird | 325-673-6071 www.HannerChevrolet.com

O

Low, no-Haggle pricing

O

.25%APR discount on coafcu rates

O

On the Spot coafcu financing

tculPac auction

communities of abilene federal credit union (

coafcu

)

wants to give you our

PlatinuM Mastercard

!

Ogreat low rates O5.9%apr* for 1year on balances transferred

Ono annual fees O25 day grace period

Ono balance transfer fees OatM access for cash advances Oup to $30,000 credit lines OOnline account access at coafcu.org Orental car insurance, purchase assurance & roadside & travel assistance

ask for platinum:

O

Stop in and see us — call or go to www.coafcu.org for locations

O

apply 24/7: www.coafcu.org or toll-free at (866) 292-7675

O

call: (325) 691-2300 / (800) 535-2157 or email: Save@coafcu.org

Remember we offer the best mortgages and we may be able to refinance any vehicle loan you have with another financial institution saving you MORE money monthly*. Contact us today! *APR = Annual Percentage Rate. The normal rates continue to apply to current charges and payments will be applied first to the transferred balances. Certain restrictions may apply depending on your credit score. Contact us for specific details.

april 19 Saturday

World’s Largest BBQ for military personnel

may 3 Saturday

Open House/Air Show—Dyess AFB

may 8, 6:00pmthursday coAFcu Annual Meeting

3661 N. 6th Street Branch

may 14, 11:30amWednesday

Golden Years’ Young Club Luncheon

may 17 Saturday

Zoolute to the Military - Armed Forces Day

may 24-26 Saturday-Monday closed

Memorial Day Weekend

july 4-6Friday-Sunday closed Independence Day Weekend

November 27, 2007, CoAFCU in the

city of liGHts Parade

squadron tHanKsGivinG event

star dodGe Meet & Greet

February 7, 2008 Dyess AFB — January 24, 2008

Polar Bear PlunGe

ParticiPatinG dealersHiPs in Anson, Texas:

OLawrence Hall Chevrolet/ Buick/ Pontiac/GMC

2120 S Commercial Ave | 325-823-3261 www.LawrenceHallAnson.com

OWest Texas Ford

2016 S Commercial Ave | 800-315-7436 www.WestTexasFord.com

(2)

need up to date

weAther

ForecAsts

and credit union information?

cAll

(325) 672-1312

Sponsored by Communities of Abilene Federal Credit Union and KTXS Television

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631

newsletter OPage 2 Owww.coafcu.org www.coafcu.org Onewsletter OPage 3

Spring 2008 Member-Owner newsletter

Grow Money faster

with a CoAFCU Share Certificate

If you’re investing a substantial amount of money, it’s never wise to put all of your eggs in one basket. Get the best yield without risk to your principal by opening laddered share certificates at Communities of Abilene Federal Credit Union. That means investing money in certificates based on how long you can wait until you use the funds. The longer you can wait to use your funds, the higher your earnings!

Contact us to open your Share Certificate today and start growing your money now!

All Share Certificates available as Individual Retirement Accounts (IRAs). Rates change weekly. For current rates call the credit union at (325) 691-2300 or check our web site, www.CoAFCU.org. A penalty may be imposed for withdrawals before maturity. 24-Month Plus share certificate has a one-time rate bump up feature.

Golden years young

club luncHeon

date wednesday, May 14 time 11:30 am

where abilene country club

4039 s treadaway

We look forward to seeing our

50+ members at our upcoming

quarterly luncheon. The topic is

“Music Entertainment”.

Please

RSVP by May 9, 2008

at (325)

691-2300 or (800) 535-2157.

As a member of Communities of Abilene Federal Credit Union, you have access to the over 2,900+ branches and 25,000+ free AtMs across the united states, canada, europe, and the pacific

Basin thanks to the CU Service Centers’ National Shared Branching Network. This network of branches is owned by participating credit unions nationwide. Now you don’t have to belong to a big bank with big fees and low dividends. The National Shared Branching Network lets you conduct transactions near your home, your job and when you travel.

The CO-OP ATM Network gives you access to 25,000+ surcharge-Free AtMs. Look for the CO-OP Network logo (now at over 5,500 7–Eleven* stores too)

and you know it’s a free transaction. Plus many CO–OP Network ATMs accept your deposits. Managing your finances has never been easier or more convenient. to find a BrAnch or free AtM near you, go to our web site at

www.coAFcu.org and click the “Branches and AtMs” button. then choose “Find a Branch” or “Find a Free AtM”.

* Some 7-Eleven ATMs may not have the CO-OP Network logo affixed and a few stores have chosen not to participate.

More BrancHes

near you &

25,000 free atMs

!

lower

payments?

Want

It’s easy,

trAnsFer

high-interest credit cards

to a

CoAFCU MasterCard. We offer :

• Platinum, Gold, Classic

• Family MasterCard

• Share-Secured

Apply for a MasterCard,

save money monthly!

Better BanKinG begins with MeMBersHiP

free

Big country

cHecKinG

free

plus

Big country checking offers a complete array of payment tools including free checks, free online bill payment, and a special Big Country rate on your credit card. With Big country checking you get:

O

Free from monthly fees*

O

Free VISA Debit Card

O

Free Checks

O

Free Online Banking at CoAFCU.org

O

Free unlimited Online Bill Payment

O

plus no minimum balance to

earn dividends!

O

plusOverdraft Protection that includes an Overdraft Line of Credit with a low 3% of balance monthly payment with a .75% APR discount

off our regular low rate of 10.00% APR.

O

plus Classic, Gold or Platinum MasterCard at a .25%APR

dis-count from our regular great low rates. Plus with Big country checking you’ll get cash back on every purchase you make. With auto pay, we’ll even chip in an additional .25% APR discount.

O

plusUnlimited Free ATM transactions at over 25,000 CO–OP Network ATMs. And we’ll waive four ATM transaction charges per month at ATMs not in the credit union’s network.

O

* plusThere’s no monthly fee withBig country checking if you use direct deposit, our Overdraft Line of Credit, MasterCard credit card and VISA debit card.

open your Big country checking

call, stop by a convenient branch or go online, coafcu.org!

Communities of Abilene Federal Credit Union

now earn more

on your Big Country

Checking Account

Have you used our new, improved

website? Go online today…

www.

c

o

afcu

.org

Great online services available 24/7

• Banking with eStatements

• Bill payment Services

• Mastercard® access

• up-to-date Loan Specials

• Loan & Savings calculators

• Loans & Mortgages—fast and

easy applications

• Membership application

• insurance Quotes for Homes,

Loans & automobiles

• Brokerage Services

• newsletter, events & Holidays

• and more! loG on today!

Protect you and your family with

insurance

&

Protection

from CoAFCU — today!

Through CoAFCU, you have access to a wide variety of high quality financial products provided by and through the CUNA Mutual Group to help you meet your protection and investment needs.

protection For your FAMily

O Term Life Insurance

O Whole Life Insurance

O Long Term Care Insurance

O Accident Insurance

protection For your property

O Credit Life Protection for Loans

O Credit Disability Protection for Loans

O Homeowners Insurance

O Auto Insurance

O Guaranteed Auto Protection (GAP) Need help in deciding what’s best for you? Contact us to set up a personalized no-cost, no-obligation insurance needs analysis. Or, go online, coAFcu.org and click “e-services & More” button and then choose “insurance & protection” for more information and online insurance quotes.

H

yes, insurAnce

get it right here!

O Disability, Life & Joint Life Payment Protection

O Accidental Death & Dismemberment

O Vehicle GAP Insurance, Mechanical Repair & Extended Warranty

O Vehicle & Homeowner’s Insurance

www.coafcu.org Onewsletter OPage 4

Communities of

aBilene

Federal Credit Union

2008 annual

Membership Meeting

Date: May 8, 2008, Thursday

Time: 6pm registration / 7pm call to order

Location: CoAFCU Abilene Branch 3661 N 6th Street

The Communities of Abilene Federal Credit Union (CoAFCU) 2008 Annual Membership Meeting has been scheduled for thursday,

May 8, 2008. It will be held at our Abilene

Branch at 3661 north 6th street, with registration beginning at 6pm and call to order at 7pm.

CoAFCU Board of Directors voting: when there is only one nominee for each position to be filled, elections will not be conducted by ballot and there will be no nominations from the floor.

Absentee Ballot vote — If you requested your absentee ballot before the April 4, 2008 deadline, CoAFCU Supervisory Committee must receive your official absentee ballot vote

no later than May 5, 2008.

in-person Ballots at the Annual Meet-ing — Ballots will be available upon regis-tration at the Annual Meeting on Thursday, May 8, 2008.

coAFcu Member voter eligibility — Voters must be primary account owners, 15 years of age and older, in good standing of the Credit Union.

loans & Mortgages approved

in

under 10 minutes

, online at

www.coafcu.org

That’s right, you can apply for a CoAFCU Loan or Mortgage 24/7, online and get approvals in less than 10 minutes. Log on, coAFcu.org and click “loans & Mortgages” button and then choose “Apply AnytiMe - online”.

Don’t want to apply online, call 24/7 toll free at (866) 292-7675 and apply for your loan!

Home equity loans

-

one of the tools in

your 2008

financial

survival Kit

!

no closing costs & $100 Gift card Whether you are…

consolidating debt;

• making home improvements; • taking a dream vacation; • installing a pool;

• paying college expenses; or, • buying a boat or RV, we make it easy to use your home’s equity (CASH) to make your dreams come true!

Apply for a Home Equity Loan* before the end of

April June 2008 and we’ll pay your closing costs and give you a $100 gift card. PLUS—

Great rates

as low as 6.9% APR

• Interest may be tax deductible,

consult your tax advisor

Terms up to 15 years

• Loan proceeds (CASH) may be used for any purpose — your dreams!

apply today!

Stop in and see us, call, email or go online, www.CoAFCU.org!

* Texas law requires a 12-day cooling-off period before a Home Equity loan may be closed and there is also a 3-day Right of Rescission after closing before the funds may be dis-bursed. Free closing cost and $100 gift card offer ends 6/30/08.

February 23, 2008, Dyess AFB Annual

awards Banquet

Golden years younG luncHeon

(3)

need up to date

weAther

ForecAsts

and credit union information?

cAll

(325) 672-1312

Sponsored by Communities of Abilene Federal Credit Union and KTXS Television

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631

newsletter OPage 2 Owww.coafcu.org www.coafcu.org Onewsletter OPage 3

Spring 2008 Member-Owner newsletter

Grow Money faster

with a CoAFCU Share Certificate

If you’re investing a substantial amount of money, it’s never wise to put all of your eggs in one basket. Get the best yield without risk to your principal by opening laddered share certificates at Communities of Abilene Federal Credit Union. That means investing money in certificates based on how long you can wait until you use the funds. The longer you can wait to use your funds, the higher your earnings!

Contact us to open your Share Certificate today and start growing your money now!

All Share Certificates available as Individual Retirement Accounts (IRAs). Rates change weekly. For current rates call the credit union at (325) 691-2300 or check our web site, www.CoAFCU.org. A penalty may be imposed for withdrawals before maturity. 24-Month Plus share certificate has a one-time rate bump up feature.

Golden years young

club luncHeon

date wednesday, May 14 time 11:30 am

where abilene country club

4039 s treadaway

We look forward to seeing our

50+ members at our upcoming

quarterly luncheon. The topic is

“Music Entertainment”.

Please

RSVP by May 9, 2008

at (325)

691-2300 or (800) 535-2157.

As a member of Communities of Abilene Federal Credit Union, you have access to the over 2,900+ branches and 25,000+ free AtMs across the united states, canada, europe, and the pacific

Basin thanks to the CU Service Centers’ National Shared Branching Network. This network of branches is owned by participating credit unions nationwide. Now you don’t have to belong to a big bank with big fees and low dividends. The National Shared Branching Network lets you conduct transactions near your home, your job and when you travel.

The CO-OP ATM Network gives you access to 25,000+ surcharge-Free AtMs. Look for the CO-OP Network logo (now at over 5,500 7–Eleven* stores too)

and you know it’s a free transaction. Plus many CO–OP Network ATMs accept your deposits. Managing your finances has never been easier or more convenient. to find a BrAnch or free AtM near you, go to our web site at

www.coAFcu.org and click the “Branches and AtMs” button. then choose “Find a Branch” or “Find a Free AtM”.

* Some 7-Eleven ATMs may not have the CO-OP Network logo affixed and a few stores have chosen not to participate.

More BrancHes

near you &

25,000 free atMs

!

lower

payments?

Want

It’s easy,

trAnsFer

high-interest credit cards

to a

CoAFCU MasterCard. We offer :

• Platinum, Gold, Classic

• Family MasterCard

• Share-Secured

Apply for a MasterCard,

save money monthly!

Better BanKinG begins with MeMBersHiP

free

Big country

cHecKinG

free

plus

Big country checking offers a complete array of payment tools including free checks, free online bill payment, and a special Big Country rate on your credit card. With Big country checking you get:

O

Free from monthly fees*

O

Free VISA Debit Card

O

Free Checks

O

Free Online Banking at CoAFCU.org

O

Free unlimited Online Bill Payment

O

plus no minimum balance to

earn dividends!

O

plusOverdraft Protection that includes an Overdraft Line of Credit with a low 3% of balance monthly payment with a .75% APR discount

off our regular low rate of 10.00% APR.

O

plus Classic, Gold or Platinum MasterCard at a .25%APR

dis-count from our regular great low rates. Plus with Big country checking you’ll get cash back on every purchase you make. With auto pay, we’ll even chip in an additional .25% APR discount.

O

plusUnlimited Free ATM transactions at over 25,000 CO–OP Network ATMs. And we’ll waive four ATM transaction charges per month at ATMs not in the credit union’s network.

O

* plusThere’s no monthly fee withBig country checking if you use direct deposit, our Overdraft Line of Credit, MasterCard credit card and VISA debit card.

open your Big country checking

call, stop by a convenient branch or go online, coafcu.org!

Communities of Abilene Federal Credit Union

now earn more

on your Big Country

Checking Account

Have you used our new, improved

website? Go online today…

www.

c

o

afcu

.org

Great online services available 24/7

• Banking with eStatements

• Bill payment Services

• Mastercard® access

• up-to-date Loan Specials

• Loan & Savings calculators

• Loans & Mortgages—fast and

easy applications

• Membership application

• insurance Quotes for Homes,

Loans & automobiles

• Brokerage Services

• newsletter, events & Holidays

• and more! loG on today!

Protect you and your family with

insurance

&

Protection

from CoAFCU — today!

Through CoAFCU, you have access to a wide variety of high quality financial products provided by and through the CUNA Mutual Group to help you meet your protection and investment needs.

protection For your FAMily O Term Life Insurance

O Whole Life Insurance

O Long Term Care Insurance

O Accident Insurance

protection For your property O Credit Life Protection for Loans

O Credit Disability Protection for Loans

O Homeowners Insurance

O Auto Insurance

O Guaranteed Auto Protection (GAP) Need help in deciding what’s best for you? Contact us to set up a personalized no-cost, no-obligation insurance needs analysis. Or, go online, coAFcu.org and click “e-services & More” button and then choose “insurance & protection” for more information and online insurance quotes.

H

yes, insurAnce

get it right here!

O Disability, Life & Joint Life Payment Protection

O Accidental Death & Dismemberment

O Vehicle GAP Insurance, Mechanical Repair & Extended Warranty

O Vehicle & Homeowner’s Insurance

www.coafcu.org Onewsletter OPage 4

Communities of

aBilene

Federal Credit Union

2008 annual

Membership Meeting

Date: May 8, 2008, Thursday

Time: 6pm registration / 7pm call to order

Location: CoAFCU Abilene Branch 3661 N 6th Street

The Communities of Abilene Federal Credit Union (CoAFCU) 2008 Annual Membership Meeting has been scheduled for thursday,

May 8, 2008. It will be held at our Abilene

Branch at 3661 north 6th street, with registration beginning at 6pm and call to order at 7pm.

CoAFCU Board of Directors voting: when there is only one nominee for each position to be filled, elections will not be conducted by ballot and there will be no nominations from the floor.

Absentee Ballot vote — If you requested your absentee ballot before the April 4, 2008 deadline, CoAFCU Supervisory Committee must receive your official absentee ballot vote

no later than May 5, 2008.

in-person Ballots at the Annual Meet-ing — Ballots will be available upon regis-tration at the Annual Meeting on Thursday, May 8, 2008.

coAFcu Member voter eligibility — Voters must be primary account owners, 15 years of age and older, in good standing of the Credit Union.

loans & Mortgages approved

in

under 10 minutes

, online at

www.coafcu.org

That’s right, you can apply for a CoAFCU Loan or Mortgage 24/7, online and get approvals in less than 10 minutes. Log on, coAFcu.org and click “loans & Mortgages” button and then choose “Apply AnytiMe - online”.

Don’t want to apply online, call 24/7 toll free at (866) 292-7675 and apply for your loan!

Home equity loans

-

one of the tools in

your 2008

financial

survival Kit

!

no closing costs & $100 Gift card Whether you are…

consolidating debt;

• making home improvements;

• taking a dream vacation;

• installing a pool;

• paying college expenses; or,

• buying a boat or RV, we make it easy to use your home’s equity (CASH) to make your dreams come true!

Apply for a Home Equity Loan* during the before the end of

April 2008, we’ll pay your closing costs and give you a $100 gift card. PLUS—

Great rates

as low as 6.9% APR

• Interest may be tax deductible,

consult your tax advisor

Terms up to 15 years

• Loan proceeds (CASH) may be used for any purpose — your dreams!

apply today!

Stop in and see us, call, email or go online, www.CoAFCU.org!

* Texas law requires a 12-day cooling-off period before a Home Equity loan may be closed and there is also a 3-day Right of Rescission after closing before the funds may be dis-bursed. Free closing cost and $100 gift card offer ends 4/30/08.

February 23, 2008, Dyess AFB Annual

awards Banquet

Golden years younG luncHeon

(4)

need up to date

weAther

ForecAsts

and credit union information?

cAll

(325) 672-1312

Sponsored by Communities of Abilene Federal Credit Union and KTXS Television

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631

newsletter OPage 2 Owww.coafcu.org www.coafcu.org Onewsletter OPage 3

Spring 2008 Member-Owner newsletter

Grow Money faster

with a CoAFCU Share Certificate

If you’re investing a substantial amount of money, it’s never wise to put all of your eggs in one basket. Get the best yield without risk to your principal by opening laddered share certificates at Communities of Abilene Federal Credit Union. That means investing money in certificates based on how long you can wait until you use the funds. The longer you can wait to use your funds, the higher your earnings!

Contact us to open your Share Certificate today and start growing your money now!

All Share Certificates available as Individual Retirement Accounts (IRAs). Rates change weekly. For current rates call the credit union at (325) 691-2300 or check our web site, www.CoAFCU.org. A penalty may be imposed for withdrawals before maturity. 24-Month Plus share certificate has a one-time rate bump up feature.

Golden years young

club luncHeon

date wednesday, May 14 time 11:30 am

where abilene country club

4039 s treadaway

We look forward to seeing our

50+ members at our upcoming

quarterly luncheon. The topic is

“Music Entertainment”.

Please

RSVP by May 9, 2008

at (325)

691-2300 or (800) 535-2157.

As a member of Communities of Abilene Federal Credit Union, you have access to the over 2,900+ branches and 25,000+ free AtMs across the united states, canada, europe, and the pacific

Basin thanks to the CU Service Centers’ National Shared Branching Network. This network of branches is owned by participating credit unions nationwide. Now you don’t have to belong to a big bank with big fees and low dividends. The National Shared Branching Network lets you conduct transactions near your home, your job and when you travel.

The CO-OP ATM Network gives you access to 25,000+ surcharge-Free AtMs. Look for the CO-OP Network logo (now at over 5,500 7–Eleven* stores too)

and you know it’s a free transaction. Plus many CO–OP Network ATMs accept your deposits. Managing your finances has never been easier or more convenient. to find a BrAnch or free AtM near you, go to our web site at

www.coAFcu.org and click the “Branches and AtMs” button. then choose “Find a Branch” or “Find a Free AtM”.

* Some 7-Eleven ATMs may not have the CO-OP Network logo affixed and a few stores have chosen not to participate.

More BrancHes

near you &

25,000 free atMs

!

lower

payments?

Want

It’s easy,

trAnsFer

high-interest credit cards

to a

CoAFCU MasterCard. We offer :

• Platinum, Gold, Classic

• Family MasterCard

• Share-Secured

Apply for a MasterCard,

save money monthly!

Better BanKinG begins with MeMBersHiP

free

Big country

cHecKinG

free

plus

Big country checking offers a complete array of payment tools including free checks, free online bill payment, and a special Big Country rate on your credit card. With Big country checking you get:

O

Free from monthly fees*

O

Free VISA Debit Card

O

Free Checks

O

Free Online Banking at CoAFCU.org

O

Free unlimited Online Bill Payment

O

plus no minimum balance to

earn dividends!

O

plusOverdraft Protection that includes an Overdraft Line of Credit with a low 3% of balance monthly payment with a .75% APR discount

off our regular low rate of 10.00% APR.

O

plus Classic, Gold or Platinum MasterCard at a .25%APR

dis-count from our regular great low rates. Plus with Big country checking you’ll get cash back on every purchase you make. With auto pay, we’ll even chip in an additional .25% APR discount.

O

plusUnlimited Free ATM transactions at over 25,000 CO–OP Network ATMs. And we’ll waive four ATM transaction charges per month at ATMs not in the credit union’s network.

O

* plusThere’s no monthly fee withBig country checking if you use direct deposit, our Overdraft Line of Credit, MasterCard credit card and VISA debit card.

open your Big country checking

call, stop by a convenient branch or go online, coafcu.org!

Communities of Abilene Federal Credit Union

now earn more

on your Big Country

Checking Account

Have you used our new, improved

website? Go online today…

www.

c

o

afcu

.org

Great online services available 24/7

• Banking with eStatements

• Bill payment Services

• Mastercard® access

• up-to-date Loan Specials

• Loan & Savings calculators

• Loans & Mortgages—fast and

easy applications

• Membership application

• insurance Quotes for Homes,

Loans & automobiles

• Brokerage Services

• newsletter, events & Holidays

• and more! loG on today!

Protect you and your family with

insurance

&

Protection

from CoAFCU — today!

Through CoAFCU, you have access to a wide variety of high quality financial products provided by and through the CUNA Mutual Group to help you meet your protection and investment needs.

protection For your FAMily O Term Life Insurance

O Whole Life Insurance

O Long Term Care Insurance

O Accident Insurance

protection For your property O Credit Life Protection for Loans

O Credit Disability Protection for Loans

O Homeowners Insurance

O Auto Insurance

O Guaranteed Auto Protection (GAP) Need help in deciding what’s best for you? Contact us to set up a personalized no-cost, no-obligation insurance needs analysis. Or, go online, coAFcu.org and click “e-services & More” button and then choose “insurance & protection” for more information and online insurance quotes.

H

yes, insurAnce

get it right here!

O Disability, Life & Joint Life Payment Protection

O Accidental Death & Dismemberment

O Vehicle GAP Insurance, Mechanical Repair & Extended Warranty

O Vehicle & Homeowner’s Insurance

www.coafcu.org Onewsletter OPage 4

Communities of

aBilene

Federal Credit Union

2008 annual

Membership Meeting

Date: May 8, 2008, Thursday

Time: 6pm registration / 7pm call to order

Location: CoAFCU Abilene Branch 3661 N 6th Street

The Communities of Abilene Federal Credit Union (CoAFCU) 2008 Annual Membership Meeting has been scheduled for thursday,

May 8, 2008. It will be held at our Abilene

Branch at 3661 north 6th street, with registration beginning at 6pm and call to order at 7pm.

CoAFCU Board of Directors voting: when there is only one nominee for each position to be filled, elections will not be conducted by ballot and there will be no nominations from the floor.

Absentee Ballot vote — If you requested your absentee ballot before the April 4, 2008 deadline, CoAFCU Supervisory Committee must receive your official absentee ballot vote

no later than May 5, 2008.

in-person Ballots at the Annual Meet-ing — Ballots will be available upon regis-tration at the Annual Meeting on Thursday, May 8, 2008.

coAFcu Member voter eligibility — Voters must be primary account owners, 15 years of age and older, in good standing of the Credit Union.

loans & Mortgages approved

in

under 10 minutes

, online at

www.coafcu.org

That’s right, you can apply for a CoAFCU Loan or Mortgage 24/7, online and get approvals in less than 10 minutes. Log on, coAFcu.org and click “loans & Mortgages” button and then choose “Apply AnytiMe - online”.

Don’t want to apply online, call 24/7 toll free at (866) 292-7675 and apply for your loan!

Home equity loans

-

one of the tools in

your 2008

financial

survival Kit

!

no closing costs & $100 Gift card Whether you are…

consolidating debt;

• making home improvements;

• taking a dream vacation;

• installing a pool;

• paying college expenses; or,

• buying a boat or RV, we make it easy to use your home’s equity (CASH) to make your dreams come true!

Apply for a Home Equity Loan* during the before the end of

April 2008, we’ll pay your closing costs and give you a $100 gift card. PLUS—

Great rates

as low as 6.9% APR

• Interest may be tax deductible,

consult your tax advisor

Terms up to 15 years

• Loan proceeds (CASH) may be used for any purpose — your dreams!

apply today!

Stop in and see us, call, email or go online, www.CoAFCU.org!

* Texas law requires a 12-day cooling-off period before a Home Equity loan may be closed and there is also a 3-day Right of Rescission after closing before the funds may be dis-bursed. Free closing cost and $100 gift card offer ends 4/30/08.

February 23, 2008, Dyess AFB Annual

awards Banquet

Golden years younG luncHeon

(5)

great low rates, no annual fees,

higher credit limits, transfer

balanc-es from higher rate credit cards,

consolidate and save, up to $30,000

credit lines, superior way to pay

for purchases and travel, access

online, no balance transfer fees

get

platinum!

5

.

9

%

APR* for 1 year on balances transferred

Spring 2008 Member-Owner newsletter

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631 www.coafcu.org Onewsletter OPage 1

read it today!

Better BanKinG begins with MeMBersHiP address forcorrespondence

,

deposits andloanpayments

P.O. Box 631, Abilene TX 79604-0631

e

-

mail

:

CU@coafcu.org

online

:

www.coafcu.org maintelephoneswitchboard

(325) 691-2300 or (800) 535-2157

HoursMonday – Friday 8:30am to 5:30pm

applyforaloan24/7 (866)292-7675

memberrelations (325) 691-2330 delinquencyoffice (325) 691-2316

communities ofabilene federalcreditunion downtownbranch

3661 N. 6th Street, Abilene, TX 79603-5644 (325) 673-0069 Fax

Lobby Hours

Monday – Friday 9:00am to 5:30pm Saturday: Closed

Drive-Thru Hours

Monday – Friday: 7:30am to 6:00pm Saturday: 8:30am to 1:00pm

dyessair forcebase branch

341 Avenue C, Dyess AFB, TX 79607 (325) 692-9571 Fax

Lobby Hours

Monday - Friday: 8:30am to 5:00pm Saturday: Closed

Drive-Thru Hours

Monday - Friday: 8:00am to 5:00pm Saturday: Closed

max telephoneteller - 24 hours, 7 days

(325) 691-2301 or (800) 231-3328

lost

/

stolendebitorcreditcards

Visa Debit Card (800) 754-4128

MasterCard Credit Card (800) 442-4757

aba

/

routingandtransitnumber

311380859

Better BanKinG begins with MeMBersHiP

newsletter OPage 6 Owww.coafcu.org

aBilene

Communities of Federal Credit Union Gerald Garrett Chairman

Louis Zientek Vice Chairman Jamie Villegas Secretary/Treasurer Carl Johnson Director

Bob Sayer Director Diane Schmahl Director William Toornburg Director

Scott Kemp Chairman Rodney Bagley Secretary

Robin King Member

Gavin Cochran President/CEO

BOard Of directOrS

SuperviSOry cOMMittee

executive Staff

drive it

,

cheaper

and

easier

!

buy it

If you can

we can help you

Present your CoAFCU preferred Buyer’s club (pBc) card (below) at a partici-pating dealership and Apply And close your new or used vehicle loAn on the spot! You don’t even have to leave the dealership to get our great–rate financing. The dealership’s finance manager will take your applica-tion and process your CoAFCU vehicle loan all right there — on the spot!

calendar

of

events

EQUAL HOUSING LENDER

Better BanKinG begins with MeMBersHiP

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631 www.coafcu.org Onewsletter OPage 5

ParticiPatinG dealersHiPs in Abilene, Texas:

OLithia Toyota of Abilene

4449 Southwest Dr | 325-793-3000 www.ToyotaAbilene.com

O Max’s Kawasaki, Honda, Yamaha, Polaris

941 N Mockingbird | 325-673-4636 www.MaxsCycle.com

O McGavock Nissan of Abilene

3550 S Clack St | 325-695-2970 www.McGavockNissan.com

OSaturn of Abilene

1424 S Clack St | 800-698-0211 www.SaturnofAbilene.com

OStar Dodge-Hyundai of Abilene

5101 S 1st St | 800-933-6376 www.AbileneCars.com www.ArrowDealerships.com OArrow Ford 4001 S 1st St | 800-381-4302 OArrow Chrysler/Jeep 3995 S 1st St | 800-861-7851 OArrow Mitsubishi 200 S Clack St | 800-861-7857 www.LawrenceHall.com

OLawrence Hall Chevrolet/Cadillac 1385 S Danville Dr | 325-695-8800

OLawrence Hall Pontiac/ Buick/GMC 200 N Clack St | 325-695-8885

OLawrence Hall Lincoln/ Mercury/Mazda

1300 S Clack St | 325-695-8811

OLithia Honda of Abilene

1395 S Danville Dr | 325-793-3028 www.HondaofAbilene.com

ParticiPatinG dealersHiPs, Texas:

OBlake Fulenwider Chrysler, Dodge, Jeep

110 North Access Rd, Clyde 325-893-1416 | www.BlakeCDJ.com

OHanner Chevrolet, Pontiac, GMC Trucks

I20 & FM 2047, Baird | 325-673-6071 www.HannerChevrolet.com

O

Low, no-Haggle pricing

O

.25%APR discount on coafcu rates

O

On the Spot coafcu financing

tculPac auction

communities of abilene federal credit union (

coafcu

)

wants to give you our

PlatinuM Mastercard

!

Ogreat low rates O5.9%apr* for 1year on balances transferred

Ono annual fees O25 day grace period

Ono balance transfer fees OatM access for cash advances Oup to $30,000 credit lines OOnline account access at coafcu.org Orental car insurance, purchase assurance & roadside & travel assistance

ask for platinum:

O

Stop in and see us — call or go to www.coafcu.org for locations

O

apply 24/7: www.coafcu.org or toll-free at (866) 292-7675

O

call: (325) 691-2300 / (800) 535-2157 or email: Save@coafcu.org

Remember we offer the best mortgages and we may be able to refinance any vehicle loan you have with another financial institution saving you MORE money monthly*. Contact us today! *APR = Annual Percentage Rate. The normal rates continue to apply to current charges and payments will be applied first to the transferred balances. Certain restrictions may apply depending on your credit score. Contact us for specific details. 6/08

april 19 Saturday

World’s Largest BBQ for military personnel

may 3 Saturday

Open House/Air Show—Dyess AFB

may 8, 6:00pmthursday coAFcu Annual Meeting

3661 N. 6th Street Branch

may 14, 11:30amWednesday

Golden Years’ Young Club Luncheon

may 17 Saturday

Zoolute to the Military - Armed Forces Day

may 24-26 Saturday-Monday closed

Memorial Day Weekend

july 4-6Friday-Sunday closed Independence Day Weekend

November 27, 2007, CoAFCU in the

city of liGHts Parade

squadron tHanKsGivinG event

star dodGe Meet & Greet

February 7, 2008 Dyess AFB — January 24, 2008

Polar Bear PlunGe

ParticiPatinG dealersHiPs in Anson, Texas:

OLawrence Hall Chevrolet/ Buick/ Pontiac/GMC

2120 S Commercial Ave | 325-823-3261 www.LawrenceHallAnson.com

OWest Texas Ford

2016 S Commercial Ave | 800-315-7436 www.WestTexasFord.com

(6)

great low rates, no annual fees,

higher credit limits, transfer

balanc-es from higher rate credit cards,

consolidate and save, up to $30,000

credit lines, superior way to pay

for purchases and travel, access

online, no balance transfer fees

get

platinum!

5

.

9

%

APR* for 1 year on balances transferred

Spring 2008 Member-Owner newsletter

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631 www.coafcu.org Onewsletter OPage 1

read it today!

Better BanKinG begins with MeMBersHiP address forcorrespondence

,

deposits andloanpayments

P.O. Box 631, Abilene TX 79604-0631

e

-

mail

:

CU@coafcu.org

online

:

www.coafcu.org maintelephoneswitchboard

(325) 691-2300 or (800) 535-2157

HoursMonday – Friday 8:30am to 5:30pm

applyforaloan24/7 (866)292-7675

memberrelations (325) 691-2330 delinquencyoffice (325) 691-2316

communities ofabilene federalcreditunion downtownbranch

3661 N. 6th Street, Abilene, TX 79603-5644 (325) 673-0069 Fax

Lobby Hours

Monday – Friday 9:00am to 5:30pm Saturday: Closed

Drive-Thru Hours

Monday – Friday: 7:30am to 6:00pm Saturday: 8:30am to 1:00pm

dyessair forcebase branch

341 Avenue C, Dyess AFB, TX 79607 (325) 692-9571 Fax

Lobby Hours

Monday - Friday: 8:30am to 5:00pm Saturday: Closed

Drive-Thru Hours

Monday - Friday: 8:00am to 5:00pm Saturday: Closed

max telephoneteller - 24 hours, 7 days

(325) 691-2301 or (800) 231-3328

lost

/

stolendebitorcreditcards

Visa Debit Card (800) 754-4128

MasterCard Credit Card (800) 442-4757

aba

/

routingandtransitnumber

311380859

Better BanKinG begins with MeMBersHiP

newsletter OPage 6 Owww.coafcu.org

aBilene

Communities of Federal Credit Union Gerald Garrett Chairman

Louis Zientek Vice Chairman Jamie Villegas Secretary/Treasurer Carl Johnson Director

Bob Sayer Director Diane Schmahl Director William Toornburg Director

Scott Kemp Chairman Rodney Bagley Secretary

Robin King Member

Gavin Cochran President/CEO

BOard Of directOrS

SuperviSOry cOMMittee

executive Staff

drive it

,

cheaper

and

easier

!

buy it

If you can

we can help you

Present your CoAFCU preferred Buyer’s club (pBc) card (below) at a partici-pating dealership and Apply And close your new or used vehicle loAn on the spot! You don’t even have to leave the dealership to get our great–rate financing. The dealership’s finance manager will take your applica-tion and process your CoAFCU vehicle loan all right there — on the spot!

calendar

of

events

EQUAL HOUSING LENDER

Better BanKinG begins with MeMBersHiP

(325) 691-2300 | (800) 535-2157 | FAX: (325) 673-0069 | PO Box 631, Abilene TX 79604-0631 www.coafcu.org Onewsletter OPage 5

ParticiPatinG dealersHiPs in Abilene, Texas:

OLithia Toyota of Abilene

4449 Southwest Dr | 325-793-3000 www.ToyotaAbilene.com

O Max’s Kawasaki, Honda, Yamaha, Polaris

941 N Mockingbird | 325-673-4636 www.MaxsCycle.com

O McGavock Nissan of Abilene

3550 S Clack St | 325-695-2970 www.McGavockNissan.com

OSaturn of Abilene

1424 S Clack St | 800-698-0211 www.SaturnofAbilene.com

OStar Dodge-Hyundai of Abilene

5101 S 1st St | 800-933-6376 www.AbileneCars.com www.ArrowDealerships.com OArrow Ford 4001 S 1st St | 800-381-4302 OArrow Chrysler/Jeep 3995 S 1st St | 800-861-7851 OArrow Mitsubishi 200 S Clack St | 800-861-7857 www.LawrenceHall.com

OLawrence Hall Chevrolet/Cadillac 1385 S Danville Dr | 325-695-8800

OLawrence Hall Pontiac/ Buick/GMC 200 N Clack St | 325-695-8885

OLawrence Hall Lincoln/ Mercury/Mazda

1300 S Clack St | 325-695-8811

OLithia Honda of Abilene

1395 S Danville Dr | 325-793-3028 www.HondaofAbilene.com

ParticiPatinG dealersHiPs, Texas:

OBlake Fulenwider Chrysler, Dodge, Jeep

110 North Access Rd, Clyde 325-893-1416 | www.BlakeCDJ.com

OHanner Chevrolet, Pontiac, GMC Trucks

I20 & FM 2047, Baird | 325-673-6071 www.HannerChevrolet.com

O

Low, no-Haggle pricing

O

.25%APR discount on coafcu rates

O

On the Spot coafcu financing

tculPac auction

communities of abilene federal credit union (

coafcu

)

wants to give you our

PlatinuM Mastercard

!

Ogreat low rates O5.9%apr* for 1year on balances transferred

Ono annual fees O25 day grace period

Ono balance transfer fees OatM access for cash advances Oup to $30,000 credit lines OOnline account access at coafcu.org Orental car insurance, purchase assurance & roadside & travel assistance

ask for platinum:

O

Stop in and see us — call or go to www.coafcu.org for locations

O

apply 24/7: www.coafcu.org or toll-free at (866) 292-7675

O

call: (325) 691-2300 / (800) 535-2157 or email: Save@coafcu.org

Remember we offer the best mortgages and we may be able to refinance any vehicle loan you have with another financial institution saving you MORE money monthly*. Contact us today! *APR = Annual Percentage Rate. The normal rates continue to apply to current charges and payments will be applied first to the transferred balances. Certain restrictions may apply depending on your credit score. Contact us for specific details. 6/08

april 19 Saturday

World’s Largest BBQ for military personnel

may 3 Saturday

Open House/Air Show—Dyess AFB

may 8, 6:00pmthursday coAFcu Annual Meeting

3661 N. 6th Street Branch

may 14, 11:30amWednesday

Golden Years’ Young Club Luncheon

may 17 Saturday

Zoolute to the Military - Armed Forces Day

may 24-26 Saturday-Monday closed

Memorial Day Weekend

july 4-6Friday-Sunday closed Independence Day Weekend

November 27, 2007, CoAFCU in the

city of liGHts Parade

squadron tHanKsGivinG event

star dodGe Meet & Greet

February 7, 2008 Dyess AFB — January 24, 2008

Polar Bear PlunGe

ParticiPatinG dealersHiPs in Anson, Texas:

OLawrence Hall Chevrolet/ Buick/ Pontiac/GMC

2120 S Commercial Ave | 325-823-3261 www.LawrenceHallAnson.com

OWest Texas Ford

2016 S Commercial Ave | 800-315-7436 www.WestTexasFord.com

Figure

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References

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