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 transferredSpring 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.orgonline
:
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
/
stolendebitorcreditcardsVisa Debit Card (800) 754-4128
MasterCard Credit Card (800) 442-4757
aba
/
routingandtransitnumber311380859
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 pricingO
.25%APR discount on coafcu ratesO
”On the Spot” coafcu financingtculPac 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
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 CardO
Free ChecksO
Free Online Banking at CoAFCU.orgO
Free unlimited Online Bill PaymentO
plus no minimum balance toearn dividends!
O
plusOverdraft Protection that includes an Overdraft Line of Credit with a low 3% of balance monthly payment with a .75% APR discountoff our regular low rate of 10.00% APR.
O
plus Classic, Gold or Platinum MasterCard at a .25%APRdis-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, insurAnceget 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
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 CardO
Free ChecksO
Free Online Banking at CoAFCU.orgO
Free unlimited Online Bill PaymentO
plus no minimum balance toearn dividends!
O
plusOverdraft Protection that includes an Overdraft Line of Credit with a low 3% of balance monthly payment with a .75% APR discountoff our regular low rate of 10.00% APR.
O
plus Classic, Gold or Platinum MasterCard at a .25%APRdis-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, insurAnceget 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
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 CardO
Free ChecksO
Free Online Banking at CoAFCU.orgO
Free unlimited Online Bill PaymentO
plus no minimum balance toearn dividends!
O
plusOverdraft Protection that includes an Overdraft Line of Credit with a low 3% of balance monthly payment with a .75% APR discountoff our regular low rate of 10.00% APR.
O
plus Classic, Gold or Platinum MasterCard at a .25%APRdis-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, insurAnceget 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
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 transferredSpring 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.orgonline
:
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
/
stolendebitorcreditcardsVisa Debit Card (800) 754-4128
MasterCard Credit Card (800) 442-4757
aba
/
routingandtransitnumber311380859
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 pricingO
.25%APR discount on coafcu ratesO
”On the Spot” coafcu financingtculPac 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
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 transferredSpring 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.orgonline
:
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
/
stolendebitorcreditcardsVisa Debit Card (800) 754-4128
MasterCard Credit Card (800) 442-4757
aba
/
routingandtransitnumber311380859
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 pricingO
.25%APR discount on coafcu ratesO
”On the Spot” coafcu financingtculPac 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
