Document Shred Electronics Day! - Emery FCU · The one that looks *cheaper* at first glance, may actually cost you more out‐of‐ pocket over the course of a year. ... So if you

emery federal credit union | 7890 e kemper rd cincinnati oh 45249 | 5135309351 | emeryfcuorg | infoemeryfcuorg

Credit Union Access Website emeryfcuorg infoemeryfcuorg

Blue Ash Main Office 7890 E Kemper Road 5135309351

Liberty Twp 7350 Liberty One Drive 5135633470

Sharonville Community 2300 E Kemper Rd Ste A2 5137711369

Western Hills 5070 Glencrossing Way 5139222786

Winton Place at Cognis 4900 Este Avenue Bldg 57 5132424127

Downtown Cincinnati 435 Sycamore Street 5133813030

Cincinnati Electronics 7500 Innovation Way (Mason)

Nationwide Branch Network

PLUS Emery partici‐pates in a shared branch office network that features over 4100 service cen‐ters Log on to our website to find the location nearest you at

emeryfcuorgnationwideaspx

Nationwide ATM Network

In addition we also have over 8400 sur‐charge‐free ATMs available to Members Check our website to find the ATM nearest you emeryfcuorgatm_locatoraspx

View Solutions online version with Emery newsletter archive

emeryfcuorgnewslettersaspx

Document Shred amp Electronics Recycling Day Saturday November 6 Lakota East High School Liberty Twp

Do you need to get rid of your old computer stereo printerhellip 8‐track player And do you have documents that you no longer need but donrsquot have a shredder to handle the job If you have answered yes to any of those you are invited to come to our Document ShredElectronics Recycling Day being held at Lakota East High School parking lot in

Liberty Twp on Saturday November 6 between 9am and 1pm We are partnering with Lakota Schools (wwwlakotaonlinecom) Cin‐tas (wwwcintascom) and 2TRG (www2trgcom) to provide this service to our Members and the surrounding community

You may bring any volume of documents to shred for a donation Electronics brought to recycle will cost $5 per item up to 50lbs Heavier items will be at the discretion of the eRecycling staff on hand This is not a free event for Emery to sponsor however any proceeds from this event will be donated to an organization within the Lakota Local Schools (at the discretion of the School District) For more information on this event full details will be on our website on Monday October 4

Liberty Twp Office 1‐Year Anniversary Celebrate with us for your chance to win one of THESE

Itrsquos been one year since we opened our office in Liberty Twp Come CELEBRATE with us on Saturday November 6 (after you take your electronics to be recycled) at our office We will have refreshments SpecialPromotional Interest Rates for Loans and chances for our Members and guests to win prizes for helping us celebrate

bull iPad(s) bull Flat Screen TVs bull Kings Island 2011 Family Season Pass bull Tickets to Newport Aquarium bull Tickets to Union Terminal bull 1‐Night Stay at Great Wolf Lodge bull Tickets to EnterTrainment Junction bull Plus too many other prizes to list here

Our Liberty Twp Office is located at the corner of Liberty One Drive and Cincinnati‐Dayton Rd (across the street from Starbucks) The Celebration runs from 9am to 1pm on November 6 Come recycle come celebrate

MyGreenEmeryFCUcom

Over the last year we have been developing sound strate‐gies to make Emery FCU more environmentally responsible

Through our continued use of email marketing over tradi‐tional paperpostcard methods (not that we wonrsquot ever send thesehellip) our use of social net‐working media and our bro‐chure ldquoprint‐on‐demandrdquo pol‐icy we have significantly re‐duced our demand and waste of disposable resources

Visit our microsite wwwMyGreenEmeryFCUcom for more information on our ldquogo‐Greenrdquo efforts and how you can partner with us in this effort

What Can We Do For You Today

Member Discounts

Sprint and Nextel offer dis‐counted service to all active Credit Union Members

10 off monthly recurring charge for any qualifying Sprint or Nextel Calling Plan

Visit our Special Offers Page emeryfcuorgspecialoffersaspx

Message from Emery FCU PresidentCEO

Fall is here and the Reds are going to the playoffs In celebration of the Central Division Championship Emery is running a Hunt For Red October loan special through October 31 2010 Bring your current loan with another financial institution to Emery and receive up to 2 off your current interest rate (product amp rate minimums apply)

If you are a small or mid‐sized business owner are you receiving the service you need from your financial institution Have you had a 401k or busi‐ness insurance checkup recently Call Britt Scearce at 513‐563‐3470 to learn how Emery can help your business grow Emery is here to help our members through these tough economic times We lend to the member not just a credit score Please call or visit our staff for all your financial needs We look forward to helping you

What can we do for you today Joseph D Lind Jr

To receive a quote for your insurance needs log onto our website at

emeryfcuorginsinputaspx

Emery FCU Sur‐Charge Free Network Changing Having an extensive sur‐ charge free network is very important to our Member‐ship so we have signed a contract with the Money Pass ATM Network that will take ef‐fect October 29 2010 This gives us a much larger national presence with over 16000 ATM locations nationwide Among other locations we will have a sur‐charge free ATM anywhere there is a US Bank ATM To see where the nearest terminal is to you log onto our ATM Locator page on our website at emeryfcuorgatmsaspx

Our agreement with the Alliance One ATM Net‐work will remain un‐changed

4th Annual Charity Golf Outing Recap

Monday September 13 2010 greeted us again with beautiful weather and an enthusi‐astic field of participation This year the event officially sold out in mid‐Julyndash but as time went on more individuals wanted to take part We ended up adding additional holes at the Golf Center to accommodate everyone In all we had just under 150 peo‐ple participate with a total donation to the Cincinnati Shriners Hospitals for Children of $10000 (funds are still being received and calculated)

Mark your calendars for Monday Septem‐ber 12 2011 for next years event Modifica‐tions to the event may take place to accom‐modate more playershellip stay tuned

Thank you to all that attended including 55KRCrsquos Brian Thomas who served as our morning ldquoemceerdquo

Securities related products and services made available through The Financial Network Group Ltd (FNG) are offered by Royal Alliance Associates Inc an independent registered broker‐dealer member FINRA SIPC not affiliated with Emery Federal Credit Union or CUSO its affiliates divisions or subsidiaries Nondeposit Investment Products are not federally insured are not obligations of the credit union are not guaranteed by the credit union or any affiliated entity involve investment risks including the possible loss of principal and if applicable are being offered by an employee who serves both functions of accepting membersrsquo deposits and the selling of nondeposit investment products Advisory services offered through The Financial Network Group Ltd a Registered Investment Advisor located at 7890 E Kemper Road Suite 200 Cincinnati OH 45249 Information at 513‐469‐7500

Barronrsquos Magazine August 2009 From RJ Shook industry researcher and based on advisors who follow best practices and have the biggest books of business The scoring system assigns a value of 10 to the top advisor then the othersrsquo scores by comparing each with the number one finisher of assets under management revenue customer satisfaction and other factors The Financial Network Group also earned honors as one of the Top 100 investment advisors overall in the country for 2006 and 2008 and was listed as one of the top 100 independent investment advisors in the US for 2007 2008 and 2009 and named one of the top 25 investment advisers in the state of Ohio for 2009 Portfolio performance is not a factor Please see wwwwcorgcom for more information The Winnerrsquos Circle does not receive compensation from financial advisors the participating firms its affiliates or the media in exchange for ranking These ranking and awards may not be indicative of future performance Working with a highly‐ranked adviser does not ensure that a client or prospective client will experience a certain level of performance or results These rankings should not be construed as an endorsement of the adviser by any client nor are they representative of any one clientrsquos evaluation

Itrsquos almost time for ldquoopen enrollmentrdquo season at your workplace Thatrsquos when you sign up for your health insurance and the company tells you whatrsquos changing Odds are good your pol‐icy is changing courtesy of healthcare reform and higher healthcare costs Herersquos what you should brace yourself for Yes higher premiums and co‐pays are coming A non‐profit called the National Business Group on Health surveyed some of Americarsquos biggest companies and found 64 of them planned to boost premiums for employees and almost half planned to raise out‐of‐pocket maximums too

About 40 of employers are also planning to boost deductibles So if yoursquore lucky enough to have a choice of plans make sure you carefully figure the out‐of‐pocket costs in addition to the premiums The one that looks cheaper at first glance may actually cost you more out‐of‐pocket over the course of a year

You may also see your workplace offering a high‐deductible health plan that comes with a health savings account It used to be that these were really only a good choice for single adults in great health but if you have it as an option look at it carefully and factor in the tax benefits too

Now some good newsmdashmany employers are planning to reduce or eliminate co‐pays for primary care and preventative care And 41 of companies surveyed also planned to offer discounts for employees who participate in wellness programs such as smoking‐cessation and weight‐loss programs So if you really need to improve your health make sure yoursquore taking advantage of everything your company offers

Emery Wealth Management Services provided by the

team

from The Financial Network Group

emery federal credit union | 7890 e kemper rd cincinnati oh 45249 | 5135309351 | emeryfcuorg | infoemeryfcuorg

Emery Federal Credit Union Social Networking For the most up‐to‐date information regarding the Credit Union or our promotionsndash log on to follow Emery FCU on one of our Social Networking sites

Twitter twittercomemeryfcu Facebook facebookcomemeryfanpage Blog emeryfcutypepadcom Linked In linkedincom (search emeryfcu) Youtube Channel youtubecomuseremeryfcunion (yes we have a Youtube Channel)

There is still a moment or two to sign up to follow us before the Saturday October 2 deadline to ldquofollow Emery FCUrdquo on one of the above sites to register to win an iPad If you have not done so yet click on one of the links above

emery federal credit union | 7890 e kemper rd cincinnati oh 45249 | 5135309351 | emeryfcuorg | infoemeryfcuorg

The Emery Community Founda‐tion was formed to address the needs of various Cincinnati‐area charities Organizations we have chosen to become in‐volved with are selected by their‐ Proximity to our commu‐nities Partnerships we are able to develop and personal experi‐ence with our staff members

If you would like more informa‐tion contact our office by phone or email

Emery FCU Loan Center

Our CU EasyWheels experience has never been simpler Herersquos what our Members are saying

ldquoFrom the first introduction to negotiating to picking up the car I saved over $2000 and everything was handled painlesslyrdquo

ldquoI HIGHLY recommend this program to EVERYONE looking for a new or used carrdquo

If yoursquore looking to buy a carndash Experience for yourself Log onto wwwemeryfcucueasywheelscom or call our loan department at 530‐9351 opt 2

wwwemeryfcucueasywheelscom

Looking to purchase a new home refinance your existing home add on make repairs

Whatever the situation

We Do Mortgages Contact our loan department today

Holiday Skip‐a‐Pay is Back See attached notice to enroll in this service

emeryfcuorgskippayaspx

An Emery MasterCard may be the best card ldquonotrdquo in your wallet Our MasterCard program is one of the best deals in the Industry Though rates do depend on individual creditndash our Best rates begin at Prime +249 with NO FLOOR RATE

Wersquore pretty sure your current card(s) cannot match that Give us a call and start saving money with every purchase you make with your MasterCard PLUS we have a new ldquoDesignItrdquo feature that allows you to place a personal picture of your friends significant other kidshellip yourself as the personalized background

Contact our loan department or submit your application online to begin the quick and easy process of signing up for your Emery FCU MasterCard

As a valued member of Emery Federal Credit Union you are entitled to skip a payment on your loan(s) during this Holiday Season The best part is there is no out of pocket expense to you Itrsquos simple to take advantage of this offer simply indicate the suffix for the loan(s) and the month you would like to skip (November December or January) and wersquoll take care of it for you If your payment is made by payroll deduction your money will be put into your sav-ings or checking account Please note that there is a $35 processing fee per loan to take advantage of this offer This fee will simply be added to your loan balance therefore you will not need to send any money (Note Loan interest will continue to accumulate during the month you skip your payment) If you would like to take advantage of this offer complete the coupon be-low tape it closed and mail back Also you may fax it to (513) 381-8219 or (513) 489-3231 Or you may drop it off at any Emery office cannot be a Shared Branch Location If you have additional questions contact our main office at (513) 530-9351 ext 2 or (800) 553-5513 ext 2 Please note that this offer excludes mortgages credit cards payment shaver and leases All loans considered must be current and mem-ber must be in good standing with the Credit Union By signing below you authorize Emery Federal Credit Union to extend your final loan payment by one month and agree that such exten-sion will be considered an amendment to your loan agreement andor promissory note There is a $35 processing fee per loan that will be added to your loan balance Interest will continue to accumulate on your loan during the month you skip your payment In some cases based on the size of your balance the interest which accrues may be greater than the amount of your next regular payment It may take you several months to begin to reduce your principal balance Following the skipped month the loan will revert back to the original payment schedule Payments made through payroll deduction or direct deposit will be put into your savings or checking account for the month you are skipping a payment

Name ___________________________ Daytime Phone Number ______________________________ Account Number ____________________________ Loan Suffix _________________________________

Pick the Month you would like to skip your payment Select only one

November (this form must be received prior to October 30) December (this form must be received prior to November 28) January (this form must be received prior to December 23)

Signed ________________________________________________________

PO Box 498967 Cincinnati Ohio 45249-9718

Holiday Skip‐A‐Pay Blue Ash Community

Main Office 7890 E Kemper Road

(513) 530-9351

Winton Place Cognis 4900 Este Avenue (513) 242-4127

Western Hills 5070 Glencrossing Way

(513) 922-2786

Sharonville Community 2300 E Kemper Rd A-2

(513) 771-1369

Downtown Cincinnati 324 E 4th St

(513) 381-3030

Liberty Twp Community 7350 Liberty One Drive

Phone Number TBD

What can we do for you today

PRSRT STD US Postage

PAID Cincinnati OH Permit 4513

___________________________________

___________________________________

___________________________________

___________________________________

PLACE STAMP HERE

Please Tape Closed

Emery Federal Credit Union PO Box 498967 Cincinnati OH 45249-8967