Member Matters June 2010
1000 Lisbon Street Lewiston, ME 04240 207-783-1475 www.centralmainecu.com
INTRODUCING OUR NEW ATM! Our new ATM is now located in the first drive-up lane closest to the building. Lane number 1 is now exclusively for ATM and night deposit transactions. The new ATM has a “dip reader,” which means no more losing your card in our machine. A dip reader works similar to gas station pumps. Simply insert your card and remove it. The card will no longer be captured. You can deposit checks without using an envelope and will receive a copy of your deposited check on your ATM receipt. You do, however, need to use a deposit envelope for any cash. For your convenience, we have added a new “Single Transaction Only” lane located at driveup lane number 4.
SHARED BRANCHING PUTS OVER 4,000 CREDIT UNION LOCATIONS WITHIN REACH
FUNTOWN/ SPLASHTOWN DISCOUNT TICKETS Available at the Credit Union: FunTown Only: $19.00 FunTown/Splashtown Combo: $25.00
DOMINIC J. ROUX MEMORIAL SCHOLARSHIP
When you’re on vacation or away from home, your local credit union may be closer than you think. With the Shared Branching Network, you can conduct the same financial transactions you do at your home branch from over 4,000 locations nationwide. Visit any credit union across the country that displays the swirl logo and easily access your accounts. Perform your financial transactions at your convenience. That allows you to kick back and enjoy your trip. After all, that is what a vacation is all about, relaxing! Each of the participating Credit Union Service Centers displays the swirl logo. All you need to do is present your account number with a valid photo ID, and a member service representative will help you transact your business, including:*
Lee Morin is the recipient of the 2010 Dominic J. Roux Memorial Scholarship. A 2010 graduate of Lewiston High School, Lee will attend EmbryRiddle University in Daytona Beach this Fall.
• Deposits • Withdrawals
Credit Union Closings
• Transfers
Monday, July 5 (observed) Independence Day
• Loan Payments The Member-Friendly Financial Network
IF YOU’RE SHOPPING FOR A NEW AUTO, START WITH US
Finding a Shared Branching location is easy. Visit our web site www.centralmainecu.com and click on this link www.CUservicecenter.com on our Shared Branching page or call 1-800-919-2872. Enjoy your time away! * Some restrictions apply, based on a location’s cash availability. Availability of funds deposited to your credit union account will depend on your credit union’s policy. Funds may not be immediately available.
NEW ON OUR WEBSITE Term
Interest Rate
Monthly Payments**
48 months
4.00%*
$22.60
60 months
4.25%*
$18.54
72 months
5.25%*
$16.24
84 months
6.25%*
$14.74
*Annual Percentage Rate for eligible borrowers with qualified collateral.** Monthly payments per $1,000 borrowed. Other rates and terms available. The rate may vary depending on each individual’s credit history and underwriting factors. All credit union loan programs, rates, terms and conditions are subject to change anytime without notice. Please speak with one of our Financial Services Representatives for details.
We now have Online Calculators available on our web site for many options such as Loans, Savings, Retirement, Budgeting, Investing and more. You will find a page listing all calculators and specific calculators conveniently located throughout the web site.
Monday, September 6 Labor Day Monday, October 11 Columbus Day Thursday, November 11 Veterans’ Day Thursday, November 25 Thanksgiving Friday, December 24 Christmas Eve Saturday, December 25 Christmas Friday, December 31 New Year’s Eve Closing at 3:00 P.M. Saturday, January 1 New Year’s Day
Printed on recycled paper
Our Mission: Serving members with convenient financial services and a smile they can trust.
SAY HELLO TO SURF DUDE, AND SAY GOODBYE TO ATM FEES!
CENTRAL MAINE CREDIT UNION AWARDS GRANTS FOR SUMMER READING PROGRAM
The surcharge free ATM network that you have come to rely on has a new look! Now, when you see SURF Dude, you know you’re in the SURF Zone—and that means no ATM fees!
Central Maine Federal Credit Union has awarded its 2010 “Books for Kids” grant to Minot Consolidated School and the Lisbon Public Library to conduct summer reading programs for children.
Because Central Maine Credit Union is part of the SURF ATM Network, you can save at least an average of $300 a year on surcharge fees at over 200 ATM locations throughout Maine. For a complete listing of the SURF ATM locations in Maine, visit our website and click on the SurF Dude logo located on our ATM page located under the “Access Us” tab.
UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT (UIGEA) Federal law requires that members be provided with this notice. Certain federal and/or state laws such as the Unlawful Internet Gambling Enforcement Act or Third Party Service Providers’ Rules may limit or prohibit certain transactions such as (but not limited to) those coded as unlawful Internet gambling transactions.
CREDIT UNION RECEIVES 2 FIRST PLACE AWARDS At the Maine Credit Union League Convention held in June, Central Maine Credit Union won a first place Dora Maxwell Social Responsibility Award for its work in sponsoring the 5k Race for New Beginnings. The Dora Maxwell Award recognizes a credit union for its social responsibility work and the charitable projects that support its community. Central Maine Credit Union also received a first place Louis Herring Award for Philosophy in Action for its Monty Moose Youth Savers Program. The Louis Herring Award is given to a credit union for its practical application of credit union philosophy within the credit union. It is awarded for extraordinary internal programs that are focused on its membership and create services that benefit members. Central Maine Credit Union is proud to be part of the Androscoggin County community! You may view the recent award plaques, as well as others received in past years, displayed in our main lobby.
Monty Moose Newsletter is now available online at our website and on Monty’s Facebook page.
The credit union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding your obligation to pay us or otherwise) under applicable law; or which is otherwise limited or prohibited, including but not limited to any transaction involving or relating to any unlawful Internet gambling or illegal activity. These restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Such prohibition or limitations may affect some otherwise proper or allowable transactions such as debits, charges or other transactions at or related to a hotel-casino. You understand and agree such limitations/ prohibitions are not within the credit union’s control and that the credit union will not have any liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s); or for declining to accept, process, or pay any such transaction. You further agree to indemnify and hold the credit union harmless from any suits, liability, damages or adverse action of any kind that results directly or indirectly from any such use of your account and/or access devices.
Minot Consolidated School Library was selected for their 2010 summer reading program: “YOU Could Be the Next Contestant in the Summer Reading Game!” which will incorporate the reading of books with game shows and playing games. Family Game Nights will be offered during the summer to promote free and fun activity nights for families to enjoy together. This grant will enable the Minot Consolidated School Library to purchase selected books and prizes for the program.
Regina Moulton, School Librarian, Vicki Stuart, CEO, Central Maine Credit Union.
The Lisbon Library was selected for its “Make a Splash… Read” summer reading program. Visual displays will include photos of water animals and ocean scenes, shells, sand, and beach toys. Both fiction and non-fiction books with an aquatic theme will be promoted. Children will record their books on papers shaped like ducks, inner tubes and flip flops. Weekly prizes will be awarded. This grant will enable the Lisbon Library to purchase books for the participants.
TEEN PERSONAL FINANCE SESSIONS If you’re between the ages of 14 and 19 and would like to learn about personal finance, come to one or all of our free “CU Succeed Money Matters” sessions. You could win $250! Receive an entry for each session you attend. All sessions are at 3:00 P.M. July 21, 2010 Understanding Your Credit Report You should be aware of what’s in your credit report and how your credit score is determined. August 11, 2010 Credit Cards Learn how to use credit cards wisely. August 24, 2010 Smart Borrowing Call 783-1475 to register or just show up.
Mary Ganong, Jo-Jean Keller, Children’s Librarian, Diane Nadeau, Lisbon Library Department Director, Vicki Stuart, CEO, Central Maine Credit Union.
