Mark your calendars and

SAVE THE DATE for our

2016 IN HOUSE Annual

Meeting. This year’s theme

is Fiesta Fiesta. Join us at

the credit union on the after-

noon of Friday, April 29th

2016 for delicious food and

entertainment.

More details and infor-

mation to come on our

homepage, online banking

and Facebook. If you have-

n’t ‘Liked’ us on Facebook

yet, be sure to follow us for

all the latest and greatest to

come throughout the year!

2 0 1 6 A n n u a l M e e t i n g F i e s t a

C a s h i n a F l a s h

Running on empty?!?

Need some fuel?!?

Ask us about it!

Did you know the standard

two-week payday loan has

an annual interest rate rang-

ing from 391 to 521 per-

cent according to the Center

of Responsible Lending?

Could you use some extra

financial help from a P.A.L.?

Or are you stuck in the vi-

cious debt cycle of a payday

lender? Contact your loan

officer TODAY for more

information about our new

PAYDAY ALTERNATIVE

LOAN!

Our short term payday alter-

native loan was created to

help our members get on the

right financial path away

from cash advance compa-

nies.

Ju

nc

tio

n B

ell F

CU

D e c e m b e r 2 0 1 5

S e m i - A n n u a l N e w s l e t t e r

F i n a n c i a l I n s i d e r

I n s i d e t h i s

i s s u e :

A n n u a l M e e t i n g

C a s h I n A

F l a s h — P A L

V i s a B a l a n c e

T r a n s f e r

C h r i s t m a s C l u b

A c c o u n t s

E M V C h i p C a r d

R e i s s u e

O f f i c e C l o s u r e s &

D a t e s t o R e m e m -

b e r

Monday, January 18—

MLK Jr Day

Monday, February 15—

Presidents Day

Friday, April 29—

Annual Meeting

May Spring Clean Up

Monday, May 30—

Memorial Day

June 2016—Flicker

Summer Party

Monday, July 4—

Independence Day

I s c r e a m . Y o u s c r e a m .

W e A L L s c r e a m f o r I C E C R E A M !

We will be giving away a Cold Stone Creamery gift card to one lucky Flicker or

Youth member! Be entered for your chance to win by opening a Flicker ac-

count or Youth account for your child by March 31, 2016. It only takes $3 to get

started along with their birth certificate, social security card!

We offer a secondary

savings that earns a high-

er rate/yield than our reg-

ular share savings. Open

a Christmas Club account

with only $25 and set up a

direct deposit to your

Christmas Club savings

earning higher dividends.

Every November 1st your

Christmas Club funds are

automatically transferred

to your regular savings,

just in time for Black Fri-

day shopping!

You even have the option

to immediately transfer

your funds back to your

higher earning Christmas

Club account.

Should you ever need to

dip into your Christmas

Club account before No-

vember, pay a set small

fee of $10 per withdrawal

or transfer.

Contact the credit union

with any questions or

more details!

tax forms. They also offer

Absolute Zero for those who

qualify to file their state and

federal taxes for $0.

Visit our homepage

www.junctionbellfcu.org to

access our Turbo Tax link

that is specialized for our

members.

Turbo Tax now offers W-2

snap & auto-fill which al-

lows you to take a picture of

your W-2 with your phone

and it automatically fills in

your information on your

C h r i s t m a s C l u b

T a x T i m e I s A p p r o a c h i n g

R e i s s u e o f E M V C h i p C a r d s

are now required to have point

of sale terminals that accept EMV

chip card transactions. Rather

than swiping your card, you will

now insert your EMV chip card

into the point of sale terminal

and wait for approval before

removing the EMV chip card.

EMV chip cards provide an extra

layer of security when making

purchases. Migration to EMV

chip cards will help reduce

fraud and protect consumers.

For more information about

EMV chip cards, visit

www.visa.com/chipcard or

contact the credit union with

any questions or concerns.

With all of the recent merchant

breeches of cardholder’s infor-

mation and the continuous coun-

terfeit card fraud, over the next

two years, debit cards and credit

cards will be replaced at the time

of your next expiration date with

the new EMV (Europay, Mastercard,

Visa) chip card.

As of October 1, 2015 merchants

Fun Fact…

Gambling generates

more revenue than

movies, spectator

sports, theme parks,

cruise ships, &

recorded music

COMBINED

Contact your loan officer today

and consider refinancing your

currently vehicle loan with

Junction Bell. Let us see if we

can match or beat your interest

rate!!