Spirit of America Federal Credit Union

To locate any of our nearly 30,000 surcharge-free ATMs visit moneypass.com To find one of the 5,000 shared branch locations in the US or Canada visit allco-op.org or call 888-SITE-COOP

Smart phone? Be sure to download the APP for both of these and mobile banking!

Report lost debit card: 800-264-5578 Report lost credit card: 800-556-5678

325 N 52nd Street, PO Box 5556, Lincoln, NE 68505

402-467-1102 800-998-2519 Fax 402-467-3293 ATMs: 325 N 52nd Street Drive Thru

1st floor Federal Building

*Department of Homeland Security *National Guard Base Atrium Outside BX

(*Must have building access to use these ATM’s.)

Call 24-Telephone Teller: 888-565-3531

Visit us online at spiritofamericafcu.org

Now through January 31, 2019

Switch your secured non-real estate

loan of $10,000* or more to Spirit of

America and save up to 1% APR**

off of your current interest rate.

You’ll receive $100 cash!***

*member must be credit worthy and qualify.

New money loans only.

**floor rate is 2.50% APR

***our gift to you at closing

2019 Annual Meeting

“Together We’re Better”

Spirit of America is more than your

financial institution, we are a member-owned

financial cooperative existing only for you!

Mark your calendars for April 25, 2019

to celebrate the Credit Union difference!

You are a member owner

making it your right and privilege

to participate in the democratic process

of electing your Board of Directors.

Hillcrest Country Club

Thursday, April 25 Social Time - 5:30 p.m.

Dinner - 6:00 - 7:00 p.m.

Entertainment - “On the Rocks” - 5:30 - 7:00 p.m.

Business Meeting - 7:00 - 8:00 p.m.

Elections, Award Presentations, Prizes -

$100 Visa Gift Card First Prize & CMN Raffle!

Adults $20 & Children 12 & Under $10

The Credit Union will close 4:30 p.m. April 25

Back by

Popular Demand

to entertain you!

Matty James of

“On the Rocks”

Open Elections for Board of Directors

Is it You? Call Rhonda at 402.467.1102 for an information packet and application, or

for a Nominating Committee member’s name and contact information.

Elections will be held at the April 25, 2019 Annual Meeting to fill two seats

on the Board of Directors which are three year terms. The positions are

open to members in good standing as of December 31, 2018.

Spirit of America is asking for donations to deliver a care package for

Nebraska’s men and women deployed overseas. Please drop off donations by February 8, 2019, at 325 North 52nd Street.

Suggestions: Husker items; Grab-and-Go snacks like Granola Bars,

Candy Bars, Wrapped Candies, and Beef Jerky; Pocket packs of

Tissues, Baby Wipes and Hand Sanitizer. Generic birthday cards to send

home to their family; AA and AAA batteries; small Flash Lights with red

light; flip flops; and gallon sized bags.

Spirit of America donated pop and water for the

National Guard Tailgate on September 29. Pictured:

Major Jocelyn Kuta & Lieutenant Colonel Steve Petersen

“Heroes Into Homes” is a non-profit Veteran assistance organization,

helping homeless Veterans into homes. Now thru February, Spirit of America

is collecting canned items for their pantry. Please drop off your donations in

the Credit Union lobby, 325 North 52nd Street. Thank you for supporting our

Vets!

Proud to Sponsor Nebraska National Guard

Volunteer of the Year Award The third annual Nebraska National Guard Volunteer

of the Year award is now open for nominations! The

Award recognizes one adult and one youth who dedicate

Their time to the betterment of the Community.

Spirit of America and Cara Loken, 2016 Armed Forces

Insurance National Guard Spouse of the Year, have

partnered to identify those individuals who are

demonstrating a commitment to civic engagement

through philanthropic activities. This service can be

displayed in a myriad of ways to include volunteering

for the military community, civic organizations, nonprofit

entities, or through informal ways that impact others

lives.

Nominations are open

and must be received by

Thursday, February 28,

2019.

Do you know someone

deserving of this award?

Please go to the Credit

Union’s website

spiritofamericafcu.org and click on the banner or visit

www.nationalguardaward.wixsite.com/safcu and

download the Nomination Packet or pick one up at our

office, 325 North 52nd Street. Questions? Contact Cara

Loken at nationalguardaward@yahoo.com or

402.613.2817 or Rhonda Litt, President of Spirit of

America FCU 402.467.1102.

Enhancement and Upcoming Changes

to the Mobile App and eBranch

Does your mobile device have fingerprint technology?

We have great news for you! With the Mobile App you can

enable fingerprint technology. Login to your Mobile Device.

Once you are logged in follow these simple steps: Click on

the “More” tab; Click “Biometric Authorization”; Click on

“Setup New Authorization”; Choose your device and click

“Save”; Touch the screen with your fingerprint. It will then

show the hookup date for the service. Please note any

fingerprints saved in your device will open the eBranch

App. On February 1, 2019 all accounts will need to be reset

as we are going to a user id and password combination

instead of account number and PIN to login to accounts.

Security Tokens will still be used.

Traveling this season?

Remember, Spirit of America belongs to the

Shared Branching Network, giving you access to

5,700 branches in all 50 states! You can do transactions

like deposits, withdrawals, and payments.

Finding a branch is easy.

Download the app “SHARED BRANCH’ or

visit: co-opsharedbranch.org and

plug in your location or zip.

Spirit of America Supports our

Members with the

David J. Spatz Memorial Scholarship

Spirit of America serves members of

all ages, assisting them to achieve

financial success. For those striving

to earn a college degree, we take

pride in offering our David J. Spatz

Memorial Scholarship!

Here are the eligibility details:

• Applicants must be a Credit

Union member as of December 31, 2018.

• Enrolled in an undergraduate or associates degree

program with an accredited college.

• Verifiable college enrollment documentation.

Scholarships to be awarded: Timeframe:

1st place: $600.00 Open Date: 2/01/2019

2nd place: $400.00 Close Date: 3/31/2019

3rd place: $200.00

Subject: Retirement Planning Too Early? What Do You

Think?

Essay Length: Maximum of 500 words

Eligibility: Participant has a GED or high school diploma

and is enrolled or plans to enroll in college (junior,

community, state or university) in the calendar year 2019.

Participant MUST be a member of Spirit of America

Federal Credit Union December 31, 2018. Credit Union

employees, volunteers and their immediate family

members are eligible as ‘blind judging” is utilized.

Winners Announced: Scholarship winners will receive free

tickets to the Credit Union’s Annual Meeting April 25

when their “Certificate of Award” will be presented.

Scholarship funds will be paid directly to the college the

student is enrolled during in 2019.

Contact us for details 402.467.1102 or visit

www.spiritofamericafcu.org.

Wow, this beautiful lady

has graced us with her

knowledge, dedication and

helpful smile for over 40

years. Starting as a Member

Service Representative, Joan

was quickly promoted

and in 1983 she took her

current position of Vice

President. Join us in

thanking and congratulating

Joan Gocke!

Joan & Board Chairman Randy Hansen

Credit Union Member Service Representatives planned

and hosted the Christmas Party for our young members

on December 6 with special guests Mr. and Mrs. Claus!

Pictured from left to right, back row: Austin, Nate and

Dominic. Front Row: Pam, Ashton and Ginny.

HOLIDAY CLOSINGS

January 1 - New Year’s Day

January 21 - Martin Luther King Jr Day February 18 - Presidents’ Day

MISSION STATEMENT

We, the employees and volunteers of Spirit of America Federal Credit

Union, are the foundation for its success.

As a team we will work together to understand, support and serve our

members with the best solutions to meet their needs while maintaining

and continuing the solid credit union financial structure.

Our innovative efforts and focus on meeting members’ needs will create a

positive relationship for all those involved and will result in continued

growth and success for your Spirit of America Federal Credit Union.

Apply today for a personal new money loan,

up to $3,500, twelve month repayment plan,

at an interest rate as low as 2.90%* APR!

You choose the reason!

~ After Christmas Bills ~

~ Winter Vacation ~

~ Home or Car Repairs ~

Loan Promotion Ends January 31, 2019

*APR = Annual Percentage Rate. Certain restrictions apply, see Credit

Union for details. All loans subject to approval. Rates, terms and condi-

tions subject to change and vary based on creditworthiness and qual-

ifications. New money loans only. Must qualify for personal allowance.

Final rate is based on credit score. Maximum loan amount is $3,500.

Payment example: $3,500 personal loan with a 12 month term at

2.90% APR would have monthly payments of approximately $296.28

per month. Cannot be combined with any other offer. Offer excludes

all loans already financed at the Credit Union.

Thank you to our

members for donating

$3,088.43 in 2018 to

support Children’s

Miracle Network! The

funds raised will be used

for the Hemotology/

Oncology center, which

will be part of the Hubbard Center for Children

located at Children’s Hospital in Omaha,

scheduled to open in 2021.

Coming . . . Saturday, April 20

Credit Reports The New Year is the perfect

Time to request your free annual

credit report from the three

credit reporting agencies!

Another good time is your

birthday! With the Equifax

breach in 2017, and so many

others, Spirit of America

recommends you review your

credit report at least annually.

Look for any suspicious activity

and monitor for identity theft.

To receive your free credit report go to:

www.annualcreditreport.com. This is the official site

established by the Federal Government, using this site

assures you of FREE information.

Unable to go online? Call 877.322.8228 and go through a

verification process over the phone. Your report will be

mailed to you within 15 days.

Avoid going to websites that offer you a

“free credit report” but then enroll you in

a service that charges a fee. You should

never enter your account or plastic card

number to receive your FREE credit report.

Beware of Free Trial Offers! Getting a “free trial product or service” is a good way to try the

item without buying it, but be sure to read the fine print before

agreeing to the terms! There could be extras you are agreeing

to “purchase” in the future with your free deal!

Do your research before you click or call. Review what other

customers have said about the company. Read the fine print.

Make a note of the free trial period ending date to cancel

before the deadline. Watch your accounts to look for charges.

Once you have agreed to the terms you will be out refunds.