T he funds raised to help the Columbus County Families First Domestic Violence Shelter in

Whiteville have been put to good use. The RFCU Marketing Committee visited the shelter a few days after the ride in April.

During that visit, the group decided to spend the raised funds to refurbish the outside veranda and playground area of the shelter. This project most greatly benefits the children housed there.

As luck would have it, implementing the project kicked off on the warmest day of the summer, but that did not deter our work.

Staff and community leaders

volunteered their help with equipment and manual labor. We cordially thank Parks Trucking, Columbus County Baptist Men’s Group, several of staff’s family members and one special youth member, Ethan Stanley. Ethan is a Buck

Club member and he kept everyone on task to complete their job while on site. “Great job Mr. Ethan, we couldn’t have done it without you,” says Elaine Williams, Marketing Director.

It’s amazing how businesses and

community groups come together

to help non-profit ogranizations such as

Families First. The CC Baptist Men’s Group

volunteers assembled the

playground equipment together after the sand was placed. Park’s Trucking donated the playground sand and several other members helped with finishing work on the playground area. The RFCU staff mulched flower beds, raked, planted flowers and put finishing touches on the area. Feel free to view the before, during and after pictures on our Facebook page.

Families First Gets a Boost Thanks to Our Motorcycle Enthusiasts & Staff

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D E D I C A T E D T O P R O V I D I N G S U P E R I O R F I N A N C I A L P R O D U C T S & S E R V I C E S

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E2 3 4Letter fromthe CEO

Celebrate Credit Union Week

Increase Your Credit Limit, Boost Your Score

Ride for a Reason Raises $1600 & Helps FamiliesFood DriveFamilies First shared with us the real ongoing need for the facility. RFCU will be collecting non-perishable foods beginning October-December.

How You Can Help Today ...Please drop off items or monetary donations at any one of our three credit union locations to help this organization. We will make sure the items are purchased if you give money and we will also deliver your non-perishable items on a regular basis during this 12 week project. Every donation helps.

Credit union staff volunteers

Letter from the CEO: Important Insurance Change Notice CUNA Mutual Financial Group (CMFG) has notified Riegelwood FCU they will no longer provide group policy Life Savings Insurance effective December 31, 2014. RFCU will continue the coverage until it expires on December 31, 2014.

We know our members value the peace of mind and security that life insurance provides. That’s why CMFG is offering to convert your Life Savings coverage to a guaranteed issue Primary Protection Plan. This new member pay policy provides life insurance coverage up to $4000.

Conversion is simple. Just request, complete and return the CMFG insurance application with your first month’s premium payment directly to CMFG Life Insurance Company by January 31, 2015. To request an application you will need to contact 855-728-5205 to speak with a fully licensed insurance representative. CMFG will review all situations and provide

guidance to ensure the right type of insurance protection based on your current and future needs.

Members are responsible for premium payments. New policies are effective after completing the application. New insurance policy premiums are based on member’s age at time of application.

The credit union is very sorry we will no longer be able to offer this valuable product to our members, but also very thankful CMFG is able to provide you with an insurance replacement product that may fit your needs.

— Ms. Linda Ganey, Chief Executive Officer

Skip Your December Loan Payment & Enjoy the CashThe holidays are approaching and you know what that means - extra spending! Whether it’s for gifts, travel or other holiday activities, the money you spend can put a strain on your finances. RFCU is pleased to give you the perfect holiday gift - the option to skip your December 2014 installment loan payment.

Simply bring or mail the certificate below to any RFCU branch, along with a $25

processing fee per loan before November 1, 2014. Coupons received without proper payment will not be processed and your December payment will remain due. Special offer expires 11-1-14 and is for the December 2014 payment only. Offer not valid to skip any other month’s payment. Interest will continue to accrue on your loan. Deferment of this payment will also extend the life of the loan.

Sign me up for December 2014 Skip-A-Payment.* I agree to resume my regularly scheduled monthly January 2015 payments at Riegelwood Federal Credit Union.

Please check below for your payment method of the $25 (per loan) processing fee: (please select one)___ Enclosed is a check to defer my loan payments totaling $_______________ Deduct $____________ from my credit union account #_______________________________

Please check how you make your loan payment(s) Automatic Draft ACH Cash

AutoAutoAuto

BoatMotorcyclePersonal/Signature

OtherOtherOther

Please check the loans you wish to skip & Enjoy Extra Cash Thanks to RFCU.Member Name

Account Number

Phone Number

(Please print.)

(Request will not be processed without account number.)

“We know that our members value the peace of mind and security that

life insurance provides.”

To request an application, call 855-728-5205.

* Offer expires November 1, 2014. Mortgage Loans and Overdraft Protection Loans DO NOT qualify for Skip-A-Payment offer. Only December 2014 montly payment due is eligible to be skipped when all other criteria are met. Member must be in good standing to qualify. RCFU reserves the right to deny skipping of payments to members who do not qualify. Deferment of this payment will extend the life of your loan and may cause an increase in the final payment amount.

Mail or drop off your completed certificate at any Riegelwood FCU branch.

Please check the loans you wish to skip & Enjoy Extra Cash Thanks to RFCU. Auto Boat Other Auto Motorcycle Other Auto Personal/Signature Other

Please check how you make your loan payment(s).

Automatic Draft ACH Cash

Signature Joint Signature (if applicable) Date

2014 CREDIT UNION WEEK CELEBRATIONYour Hometown Show – Lisa Myers, Marketing Assistant, can be seen on WWAY each Wednesday at noon during all of October. Lisa explains how credit unions are different than banks and how RFCU makes a difference in the lives of our members and the communities in which we reside.

ICU Registration Kick-offMembers may request a registration form from any teller when you visit our office during the week. One registration per member, per day is accepted October 14-16. All winners will be drawn on October 16th. (24 prizes awarded, total value $600).

Tuesday, October 14: Senior Day Our senior members (ages 65+) will have a special day at RFCU! We welcome you to come visit one of our branches on this day and recieve your special gift. If you have a checking account with us or open one with us on this special day, you will receive an order of 120 FREE “Club Account” Harland Clarke Checks. This special group of members has contributed to RFCU for many years, and we want to honor you on this special day during International Credit Union Week!

Wednesday, October 15: Youth DayThis is the first Youth Member Day we have planned for ICU Week. RFCU will be celebrating the opening of our 2nd school location at Acme Delco Middle School, and also Buck will be visiting the Whiteville Branch on this special day from 11 am-1 pm. and stopping into the Leland branch office from 3 pm-5 pm. Bring your camera and take a picture with Buck! Cupcakes and punch will be served all day for our youth and they will leave with a special treat!

Thursday, October 16: International Credit Union DayHelp us celebrate our special date in history. All members are invited. Refreshments will be served throughout the day and a special appreciation gift will be given to each adult member for making RFCU so successful throughout the years.

$25 hourly door prizes will be drawn at each branch from 8am-4pm. All members are encouraged to register throughout the week. Buck will be at the Riegelwood office from 2pm-4:30pm. Bring your camera to take your picture with our cute puppy Buck.

COMMUNITY YOUTH ‘BRING A BOOK’ CHRISTMAS PARTYWednesday, December 10th

Join us atRiegelwood FCU

Riegelwood Branch3:30 PM - 5:30 PM

Santa will be at the party!

Youth ages 12 and under, bring a new or gently used book to the Youth Christmas Party and help Santa fill his book bag. All youth donating a book will receive a special prize token to be redeemed at Santa’s CU

Workshop (only with token).

Refreshments and goody bags will be available for all children attending the Christmas party. Books will be donated to a nearby school or library

for others to enjoy throughout the year.

CU Opens 2nd Youth Program at ADMSIn October, RFCU will open its second youth credit union. We plan to set up a credit union in the Acme Delco Middle School cafeteria. The credit union will be open to students on Wednesdays during their lunch break. The middle school will have their own CU brand and icon more fitting to their mature age group.

The first in-house school credit union opened four years ago in Acme Delco Elementary School in Riegelwood, and students, parents and faculty have been waiting for this special addition to ADMS! RFCU is so proud to be taking on another community project to encourage financial education in our school system.The school is so excited RFCU is part of their family.

Mark your calendars for RFCU’s exciting celebrations going on this week!

Want to increase your credit rating? Did you know that by increasing your credit limit on your RFCU VISA Platinum Credit Card you could improve your credit score?

Many financial institutions increase your limit automatically, but at RFCU we want you to be in charge of your credit and its limitations. As long as you handle your credit responsibly we welcome you to request an increase in

your credit limit.

Now is the perfect time to contact a credit union loan officer and request your VISA Platinum Credit Card credit increase. Don’t have a RFCU VISA Platinum Credit Card yet? Contact us and apply for our low interest rate card today. Our VISA Platinum Credit Card has a fixed rate as low as 7.75% Annual Percentage Rate.

RFCU has updated our Automated TellerLine service to better meet the needs of our members. For the fastest service, call TellerLine instead of the Credit Union. Members can check balances, check clearings, make transfers and inquiries all right through the telephone.

Call 1.800.310.9402 to access your TellerLine today!

Another easy method to conduct account inquiries is sign up today for Homebanking & Mobile Banking. Visit www.RiegelwoodFCU.org to sign up today.

Riegelwood Branch183 John Riegel Rd. Riegelwood, NC 28456 910.655.2274

Monday – Thursday: 8:00 a.m. - 4:30 p.m.

Friday:7:00 a.m. - 4:30 p.m.

Leland Branch2065 Andrew Jackson Highway Leland, NC 28451 910.383.1650

Monday – Friday: 8:00 a.m. - 5:00 p.m.Drive-Thru Friday Only: 8:00 a.m. - 6:00 p.m.

Whiteville Branch 1629 S. Madison Street Whiteville, NC 28472 910.317.0071

Monday – Friday: 8:00 a.m. - 5:00 p.m.Drive-Thru Friday Only: 8:00 a.m. - 6:00 p.m.

Website:www.RiegelwoodFCU.org

Holiday ClosingsColumbus DayMonday, October 13

Thanksgiving Thursday, November 27

Christmas Eve Wednesday, December 24

Christmas DayThursday, December 25

New Year’s DayThursday, January 1© 2014 Profound Communications, Inc. and Riegelwood Federal Credit Union

37157-ANL092014

Increase Your Visa Credit Card Limitto Raise Your Credit Score

Loan Late Notice:Effective September 1, 2014, all NEW loans disbursed will include a clause in the Security Agreement noting a LATE FEE on all loans (excluding mortgages and loan overdraft protection loans) paid more than 30 days late.

Account Info 24/7? Yes, Call TellerLine

Riegelwood StaffAggie Brown 362.3884Brenda Babson 362.2070Brenda Newton 362.3881Donna Beck 362.2081Donna Burney 362.2079Donna Hobbs 362.2089Erin Dyson 362.2077Ginger Cumber 362.2072Jennifer Cavenaugh 362.2086June Bigford 362.2078Julie White 362.3890Kelly Bourdeaux 362.2073Keri Sandlin 362.3883Linda Ganey 362.2082

Linda Goff 362.2083 Love Stanley 362.2088Mary Graham 362.3882Mary Pender 362.2071Pamela Caines 362.3887Rose Dowless 362.2076Shannon Hines 362.3886Shonda Carroll 362.2074Teresa Dew 362.2084Tricia Brewer 362.3885

Leland StaffAngela Sykes 251.5357Candy Bahouth 251.5356Cassidy Nolan 251.5359

Crystal Cartrette 251.5358Elaine Williams 251.5366Gabrielle Raye 251.5362Kimberli Cumber 251.5361Lisa Myers 251.5355Mechelle Meier 251.5354Wanda McKoy 251.5360

Whiteville StaffAmanda Gore 317.8451Brenda Freeman 317.8449Cammie Williams 317.8456Cristina Jacobs 317.8450Debbie Bracey 317.8448Brian Williams 317.8453

TELEPHONE DIRECTORYwww.RiegelwoodFCU.org

TellerLine: 1.800.310.9402

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