2016 Briefer Fall-P&P 9-22 ver 8.ps [ 1 ], page 1-4 @ Normalize ...

3501 Main Street, Weirton, WV 26062

Volume 55 WINTER 2018 Number 1

Thank You and Happy New Year

As we rejoice in this wonderful holiday season of glad tidings, comfort and joy, First Choice America encourages you to reach out in caring and

brotherhood to help bring peace on earth. In 2017, our Credit Union helped many local charities by generously giving

our support, time and effort.As always, our loyal members were the strong, proud constituency energizing

our progress and success. We thank our members for their continued trust, loyalty and support.

And, we express warmest wishes to all for a Happy and Healthy New Year!

The Board of Directors, Officials, Management and StaffFirst Choice America Community Federal Credit Union

Bringing in the 2017 Holiday Season, theWeirton’s Annual Christmas Parade tookplace on a cool Saturday evening. Largecrowds of spectators lined the sidewalks ofWeirton to view the beautiful floats, danceteams and bands making their way down MainStreet. First Choice America not only had afloat with hundreds of twinkling lights, but theemployees also treated the crowd to hotchocolate in front of the Credit Union. Many ofthe spectators also received red Credit Unionbags to fill with candy. The Credit Union’s fes-tive float also made appearances in theWheeling, Chester and Steubenville parades.

Bringing in the Season

LOW RATES & GREAT TERMS!

WE HAVE THE LOANS FORALL OF YOUR NEEDS!

Vehicle • Mortgages • Vacation

Education • Home Improvements

Home Equity Line of Credit

Universal

Call Us Today for More Details:304-748-8600 1-800-427-4835

www.firstchoiceamericacu.org* All loans subject to credit approval. Equal Housing Lender.

BOARD OF DIRECTORS

CHAIRMANRobert G. Mrvos

FIRST VICE CHAIRMANScott E. Winwood

TREASUREREdward L. Kennedy

MEMBERSJohn R. ThayerKenneth W. Truax

----------------------------

PRESIDENT & CEOScott E. Winwood

This Credit Union is an

Equal Opportunity Employer

www.firstchoiceamericacu.org

Volume 55 WINTER 2018 Page 2

Martin Luther King Jr. DayMonday, January 15, 2018

Presidents’ DayMonday, February 19, 2018

Good FridayFriday, March 30, 2018

(All Offices Close at 12 Noon)

First Choice AmericaFinancial Corner

As of October 31, 2017

Assets $437,660,296

Capital Asset Ratio 14.29%

Total Members 37,389

Deadline for Scholarship

Applications Is Approaching

First Choice America Credit Union’s “People Helping People”Scholarship applications are due by February 28, 2018.

The applications are available at all First Choice America’seight offices. The scholarships are for $1,000 each.

Qualified applicants must be a high school senior, high schoolgraduate, or equivalent and do not have to be a first year stu-dent. Applicants may attend any accredited college, university,or trade school. The applicant must be a member of First ChoiceAmerica Community Federal Credit Union. The complete guide-lines accompany the scholarship application.

Last Month to Skip A Paymentis January!

Do you need exra cash or did you spenda little too much for the holidays? You canSkip your Loan/VISA payment. January isthe last month to skip a loan payment. It isjust $30 per skip!

You can sign the Skip A Pay form at any ofour eight offices. Give yourself a break fromthe bills with our skip a pay program.

Terrie White has retired after 28

years of employment at First Choice

America Credit Union. Terrie worked

at the Main Office in Weirton as a

Commercial Loan Coordinator.

Terrie resides in Weirton with her

husband, Bill. She has three daugh-

ters, Amy, Carrie, and Natalie, along

with five grandchildren.

Terrie White Retires

Call Us Today at 1-800-427-4835!

UPCOMINGCREDIT UNION HOLIDAYS

* Some restrictions do apply.

The Officials, Management and Staff would like to wish the best

of luck to Terrie in her retirement.

Volume 55 WINTER 2018 Page 3

*All loans subject to credit approval. Rates effective 1-1-18. Rates subject to changes without notice. A payment example of 1.99% APR for36 months would be $28.67 per $1,000 financed. Contact the Credit Union for additional rate information. $50 minimum payment. $100 cashapplies only to approved vehicle and motorcycle loans. Not applicable to commercial use vehicles. This offer is good for 2010-2018 vehicleson approved new loans or refinanced loans from other financial institutions. $100 cash may be subject to income tax and reimbursement ifthe loan is paid off within the first 90 days. Please consult your tax advisor. Limited time offer; terms and conditions subject to change with-out notice. Membership eligibility required.

Beat The Winter Blues With a New Vehicle and Our Great Low Rates!

Plus, Receive $100 for Switching!

Call Us at 1-800-427-4835 or 304-748-8600 or Visit Us Online at www.SwitchAndSave4U.org

2018 APR* 2017 APR* 2016 APR* 2014 APR* 2011 APR*36 months 1.99% 36 months 1.99% 36 months 2.19% 36 months 3.89% 36 months 4.49%48 months 2.59% 48 months 2.59% 48 months 2.79% 48 months 3.99% 48 months 4.59% 60 months 2.79% 60 months 2.79% 60 months 3.09% 60 months 4.09% 60 months 4.69%66 months 2.89% 66 months 2.89%72 months 2.99% 2015 APR* 2013-2012 APR* 2010 APR*

36 months 2.39% 36 months 4.29% 36 months 4.79% 48 months 2.99% 48 months 4.39% 48 months 4.89%60 months 3.29% 60 months 4.49% 60 months 4.99%

New Vehicles Used Vehicles Used Vehicles Used Vehicles 100% Financing 100% Financing 90% Financing 80% Financing

For the past four years in October, First Choice America offices decorated in pink, with one goal in mind: rais-ing money for a cure for Breast Cancer. These decorations drew the attention of Credit Union members, and rib-bons were sold to raise money for this worthy cause. Also during this time, employees were allowed to dress downfor a donation.

In all, First Choice America raised over $4,500 during the month of October. Scott Winwood, President & CEOsaid, “I am proud of the effort of our Credit Union staff and thrilled by the generosity of our members. We are verypleased to give to such a worthy cause.”

In the four years of fundraising, the Credit Union has raised over $17,000, which has gone to worthy charitiesin the fight against cancer and assistance to cancer patients. Pictured below are the decorated offices.

The Power of Pink

When planning a trip out of the

country, please notify the Credit

Union of the dates and country(s)

you will be visiting, so that we may

update your VISA account for the

transactions to be accepted there.

2018 looks to be a blockbuster year for travel in the U.S. and around theworld and Pittsburgh International Airport will be living up to its name this year.

Guess the number of nonstops this year from Pittsburgh InternationalAirport. Read on for the answer.

Frankfurt, Germany will be serviced by Condor Airlines with connectingservice throughout Europe. Reykjavik, Iceland has nonstop flights on WOWAirlines with connecting service throughout Europe. Delta Airlines will havenonstop flights to Paris, France and Cancun, Mexico. American Airlines alsowill have nonstops to Cancun. Apple Vacations will offer Cancun, Mexico,Punta Cana, Dominican Republic and a new service to Puerto Plata, DominicanRepublic. Vacation Express will add seasonal nonstops to Montego Bay,Jamaica. Southwest will be offering nonstop service from Pittsburgh to Cancun,Mexico starting in June 2018.

Along with new international nonstops, Pittsburgh International Airportcontinues to add domestic nonstop service to Austin (Allegiant), to Sarasota(Elite Air), including service starting to Seattle in the fall on Alaska Air.

More service does mean better pricing. Better pricing means more travelershave the opportunity to mark items off their “Bucket List”.

Call Worldview Travel to make your plane or train reservation to visit friends,relatives or just to relax for that much needed and deserved vacation in 2018.

Oh, by the way, the number of nonstop flights is seventy (70) and growing.

Volume 55 WINTER 2018 Page 4

* The offers contained herein are solely those of Worldview Travel and not of First Choice Amer-ica Community Federal Credit Union or any of its affiliates.

J.C. PetermanWorks�at:�� Main�Office

Job�Title:�� Chief�Financial�Officer

Years�of�Service: 13�Years

Favorite�Movie: The�Other�Guys

Favorite�Food: Pizza

Favorite�Hobby: Weightlifting

Favorite�Charity:���Salvation�Army

Best�Vacation:������ Cancun

ATTENTION VISA DEBIT & CREDIT

CARDHOLDERS

Call Worldview Travel at 304-723-0393

www.Worldview-Travel.com

Meet a Member of Our

Credit Union Family

You are Cordially Invited to Attend the

Where: Pepsi-Cola Roadhouse565 Route 18, Burgettstown, PA

When: Tuesday, February 20, 2018

Time: 4:45pm Registration, Hors d’oeuvres, & Meeting

First Choice AmericaCommunity Federal Credit Union

79th Annual Meeting

Kenneth W. TruaxAnnual Meeting Chairman

**Absolutely No One Will Be Admitted Prior To 4:45pm**RULES:

1. All members must register prior to the meeting to attend.

2. Members must present their membership card for admission.Any joint owner of an account who is not a Primary Memberis not eligible to vote on matters of business conducted at the meeting.

3. You must be 16 years of age or older to vote on matters of business conducted at the meeting.

4. Officials, employees or spouses, including members of theirimmediate family, living under the same roof in the same household, are not eligible to win any door prize.

Another Year Over, Another Just Begun