a p r i l 2 0 1 1

© CUAdvantage.com • 877.799.0784

M a i n O f f i c e1837 Bagley Street Saginaw, MI 48601

(989) 759-5780 Fax: (989) 753-7864 Toll Free: 1-800-675-2285

www.wanigas.com

S h a t t u c k O f f i c e4026 Shattuck Road Saginaw, MI 48603

(989) 799-9800 Fax: (989) 799-9836

g r a t i O t O f f i c e3090 Gratiot Road Saginaw, MI 48609

(989) 399-9030 Fax: (989) 781-2433 Toll Free: 1-800-675-2285

B ay c i t y O f f i c e4129 North Euclid

(1/4 mile south of Wilder Road) Bay City, MI 48706

(989) 799-9801 Fax: (989) 684-8061 Toll Free: 1-888-684-4860

Va S S a r O f f i c e113 W. Huron

Vassar, MI 48768 (989) 823-2539 Fax: (989) 823-2544

h O u r S Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 9 a.m. - 5:30 p.m. Friday............................. 9 a.m. - 5 p.m.

D r i V e - t h r u Thursday................... 8 a.m. - 5:30 p.m. Friday............................. 8 a.m. - 5 p.m. Saturday ....................... 9 a.m. - 12 p.m.

“It’s time for you to shine”

annual Meeting resultsThank you to all the members who joined us for our Annual Meeting on March 12. We enjoyed an eventful night filled with dinner, credit union information, and entertainment.

We look forward to providing you with yet another year of dedicated service!

Your 2011 official familY:

Design Your Own Card!*Why not express your personal style every time you use your Wanigas VISA card? Design Your Own Card lets you upload a personal photo from your computer, or choose a favorite image from our extensive card catalog. Either way, you’ll have a card that expresses your personal style.

To see how easy it is, visit www.wanigas.com today We’ll show you how to design a card as unique as you are.

1. Access your VISA Account via Member Connect2. Select ‘Design Your Own Card’ in the upper right corner3. Easy as 1, 2, 3... upload image, resize, order.

*$5 Fee

CrEDIT COMMITTEEClaude Tanner • Lynnette Scott

Lisa Ramirez • Sheldon Matthews, Jr.

SupErVISOrY COMMITTEETom Pesta • B.J. Osborne

Pat McCulley • Gus Alexander

BOARd Of diReCTORS

Oscar Gonzales

ChAIrpErSOn

Michael BallsVICE

ChAIrpErSOn

Valorie Green

TrEASurEr

Steve Jurik

SECrETArY

Sheldon Matthews

DIrECTOr

Gerald Little

DIrECTOr

Larry Gosen

DIrECTOr

now Open!The Thomas Township renovations are complete! We are excited to announce the opening of the new Thomas Township Branch, located at 9030 Gratiot road in Saginaw. please come by to meet the staff and check out the new office. We look forward to serving you from this new location.

holiday closingsGooD friDaY

friday, April 22 | Saturday, April 23

mEmorial DaYSaturday, May 28 | Monday, May 30

iNDEPENDENcE DaYSaturday, July 2 | Monday, July 4

More Discounts. More rewards.

Invest in America continues to offer credit union members exclusive discounts on things they use everyday. If you haven’t joined the millions of credit union members who are already taking advantage of these amazing discounts, it’s not too late to start saving!

plus, when you save with the participating u.S. companies, including GM, Sprint, Shop America, Allied, DirecTV, CU Benefits Express, and CompleteTax you’re also helping reinvest billions of dollars in the u.S. economy. It really is a win-win for everyone! for a complete list of Invest in America partners visit www.lovemycreditunion.org.

ShopAmerica1200+ online retailer discounts

“accel”erate your financial futurefrom time to time, most of us could use some professional financial counseling. fortunately, as a member of Wanigas you have easy, unlimited access to financial counselors – at no charge.

We have formed a partnership with Accel, a well-respected financial management company that specializes in meeting the needs of credit union members. You can call on them for help with:

npersonal and family budgetingnunderstanding your personal credit report

and how to improve your scorenpersonal money managementnDebt repaymentnAvoiding bankruptcy, foreclosure and

repossession

Accel counselors are available Monday through Thursday 8 a.m. to 12 a.m. (EST), friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org.

Retirement Recognition carol rupp has retired after 38 years. Carol has been a valuable and dedicated member of our team. We appreciate her years of service and support, and wish her all the best for her future!

Relay For LifeWe are excited to be holding a Relay for Life fundraiser at Bennigan’s, and we hope you will join Team Wanigas in raising money for this cause. participating is easy!

present the ticket below to your server upon ordering at Bennigan’s. Bennigan’s will donate 20% of all sales we bring in with the ticket*.

WhEn: May 3rd | All DayWhErE: Bennigan’s | 3095 Tittabawassee

Saginaw, MI 48604

*

pag e pag e

Wa

nig

as

Cr

ed

it U

nio

n

WW

W.W

an

iga

s.C

om

With an affordable vacation loan, we will help you prepare for your vacation with plenty of

cash for airfare, accommodations and whatever else you need.

Exit To Easy StreetOnce you’ve found the car, truck or SuV that you’ve been searching for, we know the last thing you feel like doing is searching for the perfect auto loan. So why not keep it simple? When you finance your vehicle here at Wanigas Credit union, we keep it easy and affordable with:

rates as low as 2.99% aPr*Already have an auto loan with another financial institution? Let Wanigas refinance your loan and lower your payment with our low rates. Just give us a call or stop by your local Wanigas branch for details.

NATIONAL

April 17-23CREDIT UNIONYOUTH WEEKTM

Would you like to see your child turn into a financial rock star? We can help. With a credit union account of their very own, they can start to establish good savings habits, and before you know it, they will be on their way to a bright financial future.

During Youth Week we will be celebrating our young members with:

$5 Youth Week Bonus – We will deposit the first $5 into each new youth account during Youth Week.Youth Week iPod Shuffle Giveaway – Youth accounts with an additional deposit during Youth Week will be entered into a drawing to win an ipod Shuffle. We will be giving away one ipod Shuffle at each branch.$100 National Saving challenge When a member under the age of 18 makes a deposit or submits an entry form any time during the month of April, their name will be entered in a drawing for $100.

So if the youth in your life doesn’t have an account yet, bring them by during Youth Week. It’s the perfect time to sign them up and show them the many ways Wanigas Credit union rocks for them!

fight card fraud With

Wouldn’t you love to have the control to block and unblock purchase authorizations on your Wanigas ViSA Platinum Card or Wanigas debit Card? With CardLock you can. CardLock is an innovative fraud prevention service that puts you in control by allowing you to lock and protect your credit union credit and debit cards when they are not in use.

When you lock your account with CardLock, any transaction attempt on the locked account will be declined. In addition, you will receive notification from the fraud department any time a transaction has been attempted on your locked account.

Locking and unlocking your accounts is easy too. You can do it any time, day or night, either by phone or by visiting the CardLock website, www.cucardlock.com.

here at Wanigas Credit union, your protection is our priority. To take advantage of this extra layer of protection visit www.cucardlock.com or call 877.285.6251 to sign up for CardLock today.

*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. rates and terms subject to change without notice.

Open the Doors to your new

home With an award Winning Lender.

Wanigas credit union awarded radian Platinum award!

Only 4 out of 50 credit unions in Michigan have qualified for the radian platinum Award, and we are honored to be one of the few who have been awarded! The radian platinum Award is presented to lenders that have demonstrated the ability to properly originate mortgage loans and comply with certain guidelines.

With this honor, we continue to provide first-rate service and superior mortgages to our members. So whether it’s time for you to open the doors to your new home, refinance an existing mortgage, or cash out some equity in your home, come see us. We offer a variety of programs, including:

nFixed rate loans with terms from 5 to 30 yearsnhome Equity Loans and Lines of CreditnFirst-Time home Buyer ProgramnAnd more

Let us put our low rates, flexible mortgage plans, and one-on-one assistance to work for you. Stop by or visit us online at www.wanigas.com to apply for a pre-approval.

Shred it DayIt’s time to spring clean your file

drawers! Just bring in your old financial records and other unwanted

sensitive documents and we will shred them while you watch.

Thursday, april 14th

Vassar office11:30 a.m. - 1:30 p.m.

friday, april 15thGratiot office

11:30 a.m. - 1:30 p.m.

Don’t Just Dream It, Do It.

VacationLoan!

With a Wanigas

Vacation Loanfixed rate of 8.49% aPr*

12-month term | up to $3,000

With terms like these you can take your family on vacation for less than $10 a day! So give us a call, stop by or visit

our website at www.wanigas.com to apply today.

*APR = Annual Percentage Rate.

pag e pag e

Wa

nig

as

Cr

ed

it U

nio

n

WW

W.W

an

iga

s.C

om

With an affordable vacation loan, we will help you prepare for your vacation with plenty of

cash for airfare, accommodations and whatever else you need.

Exit To Easy StreetOnce you’ve found the car, truck or SuV that you’ve been searching for, we know the last thing you feel like doing is searching for the perfect auto loan. So why not keep it simple? When you finance your vehicle here at Wanigas Credit union, we keep it easy and affordable with:

rates as low as 2.99% aPr*Already have an auto loan with another financial institution? Let Wanigas refinance your loan and lower your payment with our low rates. Just give us a call or stop by your local Wanigas branch for details.

NATIONAL

April 17-23CREDIT UNIONYOUTH WEEKTM

Would you like to see your child turn into a financial rock star? We can help. With a credit union account of their very own, they can start to establish good savings habits, and before you know it, they will be on their way to a bright financial future.

During Youth Week we will be celebrating our young members with:

$5 Youth Week Bonus – We will deposit the first $5 into each new youth account during Youth Week.Youth Week iPod Shuffle Giveaway – Youth accounts with an additional deposit during Youth Week will be entered into a drawing to win an ipod Shuffle. We will be giving away one ipod Shuffle at each branch.$100 National Saving challenge When a member under the age of 18 makes a deposit or submits an entry form any time during the month of April, their name will be entered in a drawing for $100.

So if the youth in your life doesn’t have an account yet, bring them by during Youth Week. It’s the perfect time to sign them up and show them the many ways Wanigas Credit union rocks for them!

fight card fraud With

Wouldn’t you love to have the control to block and unblock purchase authorizations on your Wanigas ViSA Platinum Card or Wanigas debit Card? With CardLock you can. CardLock is an innovative fraud prevention service that puts you in control by allowing you to lock and protect your credit union credit and debit cards when they are not in use.

When you lock your account with CardLock, any transaction attempt on the locked account will be declined. In addition, you will receive notification from the fraud department any time a transaction has been attempted on your locked account.

Locking and unlocking your accounts is easy too. You can do it any time, day or night, either by phone or by visiting the CardLock website, www.cucardlock.com.

here at Wanigas Credit union, your protection is our priority. To take advantage of this extra layer of protection visit www.cucardlock.com or call 877.285.6251 to sign up for CardLock today.

*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. rates and terms subject to change without notice.

Open the Doors to your new

home With an award Winning Lender.

Wanigas credit union awarded radian Platinum award!

Only 4 out of 50 credit unions in Michigan have qualified for the radian platinum Award, and we are honored to be one of the few who have been awarded! The radian platinum Award is presented to lenders that have demonstrated the ability to properly originate mortgage loans and comply with certain guidelines.

With this honor, we continue to provide first-rate service and superior mortgages to our members. So whether it’s time for you to open the doors to your new home, refinance an existing mortgage, or cash out some equity in your home, come see us. We offer a variety of programs, including:

nFixed rate loans with terms from 5 to 30 yearsnhome Equity Loans and Lines of CreditnFirst-Time home Buyer ProgramnAnd more

Let us put our low rates, flexible mortgage plans, and one-on-one assistance to work for you. Stop by or visit us online at www.wanigas.com to apply for a pre-approval.

Shred it DayIt’s time to spring clean your file

drawers! Just bring in your old financial records and other unwanted

sensitive documents and we will shred them while you watch.

Thursday, april 14th

Vassar office11:30 a.m. - 1:30 p.m.

friday, april 15thGratiot office

11:30 a.m. - 1:30 p.m.

Don’t Just Dream It, Do It.

VacationLoan!

With a Wanigas

Vacation Loanfixed rate of 8.49% aPr*

12-month term | up to $3,000

With terms like these you can take your family on vacation for less than $10 a day! So give us a call, stop by or visit

our website at www.wanigas.com to apply today.

*APR = Annual Percentage Rate.

a p r i l 2 0 1 1

© CUAdvantage.com • 877.799.0784

M a i n O f f i c e1837 Bagley Street Saginaw, MI 48601

(989) 759-5780 Fax: (989) 753-7864 Toll Free: 1-800-675-2285

www.wanigas.com

S h a t t u c k O f f i c e4026 Shattuck Road Saginaw, MI 48603

(989) 799-9800 Fax: (989) 799-9836

g r a t i O t O f f i c e3090 Gratiot Road Saginaw, MI 48609

(989) 399-9030 Fax: (989) 781-2433 Toll Free: 1-800-675-2285

B ay c i t y O f f i c e4129 North Euclid

(1/4 mile south of Wilder Road) Bay City, MI 48706

(989) 799-9801 Fax: (989) 684-8061 Toll Free: 1-888-684-4860

Va S S a r O f f i c e113 W. Huron

Vassar, MI 48768 (989) 823-2539 Fax: (989) 823-2544

h O u r S Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 9 a.m. - 5:30 p.m. Friday............................. 9 a.m. - 5 p.m.

D r i V e - t h r u Thursday................... 8 a.m. - 5:30 p.m. Friday............................. 8 a.m. - 5 p.m. Saturday ....................... 9 a.m. - 12 p.m.

“It’s time for you to shine”

annual Meeting resultsThank you to all the members who joined us for our Annual Meeting on March 12. We enjoyed an eventful night filled with dinner, credit union information, and entertainment.

We look forward to providing you with yet another year of dedicated service!

Your 2011 official familY:

Design Your Own Card!*Why not express your personal style every time you use your Wanigas VISA card? Design Your Own Card lets you upload a personal photo from your computer, or choose a favorite image from our extensive card catalog. Either way, you’ll have a card that expresses your personal style.

To see how easy it is, visit www.wanigas.com today We’ll show you how to design a card as unique as you are.

1. Access your VISA Account via Member Connect2. Select ‘Design Your Own Card’ in the upper right corner3. Easy as 1, 2, 3... upload image, resize, order.

*$5 Fee

CrEDIT COMMITTEEClaude Tanner • Lynnette Scott

Lisa Ramirez • Sheldon Matthews, Jr.

SupErVISOrY COMMITTEETom Pesta • B.J. Osborne

Pat McCulley • Gus Alexander

BOARd Of diReCTORS

Oscar Gonzales

ChAIrpErSOn

Michael BallsVICE

ChAIrpErSOn

Valorie Green

TrEASurEr

Steve Jurik

SECrETArY

Sheldon Matthews

DIrECTOr

Gerald Little

DIrECTOr

Larry Gosen

DIrECTOr

now Open!The Thomas Township renovations are complete! We are excited to announce the opening of the new Thomas Township Branch, located at 9030 Gratiot road in Saginaw. please come by to meet the staff and check out the new office. We look forward to serving you from this new location.

holiday closingsGooD friDaY

friday, April 22 | Saturday, April 23

mEmorial DaYSaturday, May 28 | Monday, May 30

iNDEPENDENcE DaYSaturday, July 2 | Monday, July 4

More Discounts. More rewards.

Invest in America continues to offer credit union members exclusive discounts on things they use everyday. If you haven’t joined the millions of credit union members who are already taking advantage of these amazing discounts, it’s not too late to start saving!

plus, when you save with the participating u.S. companies, including GM, Sprint, Shop America, Allied, DirecTV, CU Benefits Express, and CompleteTax you’re also helping reinvest billions of dollars in the u.S. economy. It really is a win-win for everyone! for a complete list of Invest in America partners visit www.lovemycreditunion.org.

ShopAmerica1200+ online retailer discounts

“accel”erate your financial futurefrom time to time, most of us could use some professional financial counseling. fortunately, as a member of Wanigas you have easy, unlimited access to financial counselors – at no charge.

We have formed a partnership with Accel, a well-respected financial management company that specializes in meeting the needs of credit union members. You can call on them for help with:

npersonal and family budgetingnunderstanding your personal credit report

and how to improve your scorenpersonal money managementnDebt repaymentnAvoiding bankruptcy, foreclosure and

repossession

Accel counselors are available Monday through Thursday 8 a.m. to 12 a.m. (EST), friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org.

Retirement Recognition carol rupp has retired after 38 years. Carol has been a valuable and dedicated member of our team. We appreciate her years of service and support, and wish her all the best for her future!

Relay For LifeWe are excited to be holding a Relay for Life fundraiser at Bennigan’s, and we hope you will join Team Wanigas in raising money for this cause. participating is easy!

present the ticket below to your server upon ordering at Bennigan’s. Bennigan’s will donate 20% of all sales we bring in with the ticket*.

WhEn: May 3rd | All DayWhErE: Bennigan’s | 3095 Tittabawassee

Saginaw, MI 48604

*