The Credit Union AdvAntAge Helping You Achieve Financial Security Winter 2016 1777 Link Road, Winston-Salem, NC 27103-4625 • Phone 336.723.0619 • Fax 336.725.0955 • emrspcu.com Office Hours: Mon-Fri: 7:30am-5:30pm

ERCU Board Of Directors When You Buy a New Car, Larry Holloman ...... President Jerry Amos ...... Vice President Do You Need Gap Insurance? Jon Canupp ...... Secretary Otis Belton ...... Director u have Marty Bowen ...... Director hould yo Scott Gauldin ...... Director S nce? Cornelius Holmes ...... Director insura L. Michele Poe ...... Director GAP Rick Taylor ...... Director ere are few things as satisfying as that guy from the car insurance commercials totals Kelly Emerson ...... Associate Director brand-new car smell, right? You take a deep your car. Your insurance says your car is worth breath and hold it, enjoying that feeling right $15,000 but your loan is still about $5,000 more ERCU Staff before you realize you’re going to be paying that than that. What then? Janita Rickett ...... CEO baby off for a while. at’s where gap insurance, or protection, Rebecca Meyer ...... Executive VP Unless you paid for it cash—in which case, comes in. Its optional coverage designed to Tiffany Bridges ...... Generalist props to you—new cars usually come with a cover the difference between the value of your Lisa Scott ...... Head Teller/Member brand new loan. Sometimes the loan ends up car and the amount of your car loan. It’s usu - Service Rep II being more than your car is worth in a few ally available only for newer cars, recently ti - Samantha Matthews .... Teller/Member months, thanks to depreciation. tled, or purchased. And great news—it’s very Service Rep I is happens a lot if you didn’t put down a inexpensive. Jessica Frost ...... Teller/Member sizable amount up front. So let’s say your brand ERCU will be a great resource for this, as well Service Rep I new car loan is about $20,000. en that crazy as offering great rates on new car financing.

Request your free credit reports 2017 Holiday Closing DID YOU KNOW? FREE Credit Reports. Federal law allows Jan. 2nd ...... New Years Observance • Credit reports may affect your mortgage you to: Jan. 16th ...... Martin Luther King rates, credit card approvals, apartment • Get a free copy of your credit report every Feb. 20th ...... President’s Day requests, or even your job 12 months from each credit reporting May 29th ...... Memorial Day application. company. July 4th ...... Independence Day • Reviewing credit reports • Ensure that the information on all of your Sept. 4th ...... Labor Day helps you catch signs of credit reports is correct and up to date. Simply go to: annualcreditreport.com Oct. 9th ...... Columbus Day identity the early. Nov. 10th ...... Veteran’s Day Nov. 23rd ...... anksgiving Dec. 25th ...... Christmas Latest Credit Cards Promotions… ERCU wants to thank the volunteers who give many hours of their time selflessly. Your Board members, Supervisory Committee We take pride in our credit cards back on your purchases? Score Card members, Credit Committee members, with a low introduction rate of 3% for rewards is available to earn Cash Back and Membership Officer does such a the first 6 months and only 9.5% aer and Bonus points. Cash advances can fantastic job for ERCU. 6 months. You can now pay your be handled for you in house with just Thank you again! credit card through Online Banking a flat fee of $5, NO additional interest by transferring from your account to added. We would love to walk you WE'RE HERE TO HELP. the credit card. We also offer FREE through the process and have your balance transfers of any competitor worries lied in just one phone call to For more information, company! Do you like to make money the Credit Union. contact ERCU at 336-723-0619. There will be four (4) J.C. Higgins Scholarships Jr. Board of Directors Starts Up! ERCU is ready to start the Jr. Board of Directors up again! If you have someone that is a given out in 2017. member of the credit union (or a potential member within our field of membership), ages 10- 15….we want them! Remember the Participation is a big deal when it comes to being a board member of ERCU, and the decision scholarship deadline is to have a Jr. Board is as well! We are looking for up to 10 Jr. Directors that would be willing to give at least 1-3 hours per month for 3 months beginning January 23rd, 2017 at 6:00pm. e February 28, 2017 past Jr. Directors learned so much about the operations of a credit union, money facts, and at 5:30pm much more! Sooooo….call today and get on the list….IT FILLS UP FAST!

CO-OP Shared • Deposits Branches operates in • Withdrawals branches of other • Transfers credit unions, locally • Balance inquiries and across the coun - • Statement prints try. ey were estab - Just provide the teller at the CO-OP Shared lished to serve Branch with your account number and a valid members like you, photo ID and you’re on your way. It’s that every day, just as though you were visiting a easy! ey will access your account for you branch of your own credit union. and process your transaction. Whether you are across town, traveling We want to make it as convenient as possi - out-of-state or out of the country, or moving ble to do business with us, and CO-OP to another state, you can stay close to your Shared Branching give you convenience on a APRIL credit union with CO-OP Shared Branching. large scale. We are ready to serve you at thou - ese are offices where you can access your sands of locations nationwide. Visit www.co- credit union account and get answers from opsharedbranch.org for additional real people, every time you visit. Many shared information. branches have extended hours, making your financial transactions that much easier to We WISH we could be a fee free credit conduct. union, but it is virtually impossible in todays 21 Any CO-OP Shared Branch can take care of world. Here are our fees for the following: all your business, including: • Excessive Withdrawal Fee $10 over 26 per year • ATM/Overdra Fee is $2 SAVE THE DATE! HAVE hope • Stop Payment Fee $25 TRY new things • Christmas/Vacation Club EARLY BE active withdrawal fee $10 SEE the good • Skip Payment Fee $5 per loan ERCU Annual Meeting will be SAY “I LOVE YOU” more • NSF check fee is $35 held on Friday, April 21, 2017 CHALLENGE yourself • ATM Lost Card Fee $5 CHOOSE to be happy • ATM/Debit Card/ACH NSF fee $30 beginning at 6:30 pm at the EAT better • 3rd Party Check fee $5 ENJOY today • Monthly Checking Account fee $10.00 (IF Hawthorne Inn and Conference FORGIVE more readily you do not have direct deposit, debit card, Center in Winston-Salem, NC READ more often and E-Statements, or maintain a balance BECOME your best during the month of $100+). PLEASE JOIN US THERE! • Statement Copy Fee $3/page • Address correction fee $3 • Wire Transfer fee $14 • Excess ATM usage (10+/month) NOTE! Address Change $1/transaction *subject to change without notice

f you have recently moved and have a debit or credit card with us, please con - Itact us so we can have your information updated with the card processors. Also if your marital status has changed, or if you have gotten married and need to update your beneficiary information, again, please contact You deserve a better credit card! Go to our website, www.10-4cu.com, to ac - a staff member. cess the credit card application or come by the credit union today to request the credit card that provides the benefits that you deserve!