financial news you can use

ConnectionsFIRST QUARTER 2013 • VOLUME NINE • NUMBER ONE

Member Bonus DayFriday, January 11, 3013

Credit Card RewardsGet your RewardsNow Rebate

uACCOUNTSMikey Thanh shadows

CFCU employees

Member ReviewsMake your New Year’s Resolution

CFCU 2013 Privacy Policy

What you need to know for 2013

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BRANCHCLOSURESNew Year’sTuesday, January 1

Martin Luther King Jr. DayMonday, January 21

President’s DayMonday, February 18

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IN T

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Community Financial Credit Union in App store

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Keep up with Mikey Thanh’s monthly blog posts and videos.

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MEMBER

BONUS

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Pay It Forward this year and donate part or all of your 2012 Member Bonus to the Jessica Ridgeway Legacy Fund.

MEMBER BONUS DAY Friday, January 11, 2013

This year we’re returning $300,000 to our most loyal members. That brings our Member Bonus payout to more than $1.5 million since 2008. Your participation in the Credit Union is integral to our success, and we value your loyalty.

PAY IT FORWARDCredit Unions were formed on the basis of ‘People Helping People’ in a cooperative manner. One of the Seven Principles of a Cooperative is Concern for the Community.

Our Region has had its fair share of challenges in the past year. One that hit very close to home involved our members, the Ridgeway Family. The Ridgeways have been members of Community Financial Credit Union for more than 20 years. The Jessica Ridgeway Benefit Account was set up at the Credit Union to manage the outpouring of community support.

Though we did not publicize this benefit account to our members, we have had discussions with the Ridgeway Family about how our members could honor the memory of a fellow member. One way

to Pay It Forward and honor Jessica is to donate all or a portion of your 2012 Member Bonus to the Jessica Ridgeway Legacy Fund with the Broomfield Community Foundation. Grants made from this donor-advised fund will be approved by the Ridgeway Family and will support youth and young girls in the community via camps and scholarships.

To contribute all or a portion of your member bonus, follow the instructions below:

• Visit: www.yourlocalcreditunion.com/payitforward (OR CLICK HERE)

• Enter your ‘Pay It Forward’ identification number: (from your member bonus letter)

• Enter the Pay It Forward amount in the box provided

• Click “Submit”

If you are unable to Pay It Forward online, you may call 303.469.5366 to speak with a Financial Specialist. All Pay it Forward contributions must be made online or via telephone by Friday, January 4, 2013.

In accordance with Federal laws, your Member Bonus will be reported as interest income on the 2013 1099-INT Form. Contributions to the Jessica Ridgeway Legacy Fund will be deducted from your Member Bonus amount and will not be reported on the 1099-INT. The contribution to the Jessica Ridgeway Legacy Fund is not deductible on your personal tax return because it is not being made as an individual contribution. Please consult your tax advisor for additional information.

CREDIT CARDRewardsPlatinum Rewards MasterCard® members can take advantage of a special RewardsNow Rebate before the end of this month. The RewardsNow Rebate will allow Platinum Rewards MasterCard® holders to convert accumulated points into a statement credit.

Members must sign up for the RewardsNow Rebate before January 30, 2013 by logging in to their account at RewardsNow.com/CFCURelationshipRewards. Click on the “Redeem Points” tab to sign up. Please allow 10 business days for the statement credit to appear on your account.

Redeem your points for a Statement Credit between now and January 30, 2013.

2013

JAN.1ST

New Year’s Resolution:ARRANGE A MEMBER REVIEW

With the New Year approaching, now is a great time to get your finances back on track.

With all the New Year resolutions you are planning, make one be arranging a Member Review with a Financial Specialist. We have the tools and experience to get you on track for a successful financial year. What better way to start the New Year then a plan to help reach your financial goals!?

Contact us at 303.469.5366 to schedule an appointment or CLICK HERE.

Fill out our Online Home Budget Calculator and email it straight to a Financial Specialist. They will contact you for a Member Review within 24hrs!

GET A STEP AHEAD!

CLICK HERE

HOME BUDGET CALCULATOR

to fill it out now!

BLOG VIDEOS WEBSITE

Mikey Thanh shadows CFCU employees

uACCOUNTSOur uACCOUNT’s spokesperson, Mikey Thanh spent a few days at Community Financial Credit Union to learn the ins and outs of the Credit Union and shadow our employees.

Mikey has done numerous blog posts and videos for our uACCOUNTS, with his next post being about the time he spent with our credit union employees. Find out what he learned and how he will use that knowledge for future posts in January.

community financial credit union

We strive to help young adults be knowledgeable when it comes to their finances and Mikey does just that every month. From saving tips and using credit cards to building good credit, Mikey helps young adults understand how important it is to manage their finances.

Look for Mikey’s posts every month on our website, and be sure to share with your teen the helpful tips he offers!

Maureen // Teller Line

Ryan // Member Support Center

Cherese // Compliance Specialist

Thinking about purchasing a new home or re-financing your mortgage in the New Year?

Picture This...A home loan with Community Financial Credit Union

Take advantage of historically low mortgage rates!

APPLY TODAY! Click here or call

Ed BettinsonJohn Hiiva

303.243.5778

303.243.5770

Contact Mortgage Specialists,

2013 Privacy Policy NotificationFACTS

WHY?

WHAT?

HOW?

What does Community Financial Credit Union do with your personal information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:• Social Security number and income • Account balance and payment history• Credit history and credit scores

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Community Financial Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Community Financial Credit Union share? Can you limit this sharing?

For everyday business purposes –Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For marketing purposes –to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes –information about your transactions and experiences

For our affiliates’ everyday business purposes –information about your creditworthiness

For our affiliates to market to you

YES

YES

YES YES

NO

NO

NO

NO

NO

We don’t share

We don’t share

We don’t share

• Call 303.469.5366 or 800.828.5666• Mail the form belowPlease note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Call 303.469.5366 or visit www.YourLocalCreditUnion.com

MAIL-IN FORM

CUT HERE

Name

Address

City, State, Zip

Mark if you want to limit:

Do not share my personal information for joint marketing purposes.

Mail to: Community Financial Credit Union • 6855 W. 119th Avenue • Broomfield, CO 80020

TO LIMIT OUR SHARING

QUESTIONS?

www.YourLocalCreditUnion.com

Who we are

Who is providing this notice? Community Financial Credit Union

What we do

How does Community Financial Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Community Financial Credit Union collect my personal information?

We collect your personal information, for example, when you

• Open an account or deposit money

• Pay your bills or apply for a loan

• Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purpose information about your creditworthiness

• Affiliates from using your information to market to you

• Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for a membership I hold jointly with someone else?

Your choices will apply to everyone on your membership.

Definitions

CUT HERE

Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.• Community Financial Credit Union has no affiliates

Non-Affiliates Community Financial Credit Union does not share with non-affiliates so they can market to you.

Joint Marketing Our joint marketing partners include:• Affinion/Allied• CUNA Mutual

MAIL-IN FORM (Back)

Mail to:Community Financial Credit Union6855 W. 119th AvenueBroomfield, CO 80020

Signature

6855 W. 119th Ave • Broomfield, CO 80020 • YourLocalCreditUnion.com

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