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

Receive up to a 1% discount ON ANY NEW MONEY SECURED LOAN*

OF $5,000 OR MORE!

2019 Annual Meeting

April 25

“Together We’re Better”

Spirit of America is more than your

financial institution, we are a member-owned

financial cooperative existing only for you!

Purchase your tickets before April 12

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 ($30 after April 12, 2019)

Children 12 & Under $10 ($15 after April 12, 2019)

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

Certain restrictions apply**,

call us, 402.467.1102 or 800.998.2519

for details today!

*Real estate loans excluded. **Member relation

discounts are included in quoted discount.

Actual rate of interest is determined by credit

score. Refinances from other financial

institutions are encouraged. Offer valid from

April 1 - May 24, 2019.

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.

Back by

Popular Demand

to entertain you!

Matty James of

“On the Rocks”

Federally insured

by NCUA

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 suc-

cess for your Spirit of America Federal Credit Union.

$1.00 each or 6 for $5.00 or 12 for $10.00

Drawings to be held at the Annual Meeting

Over the past 20 years local credit unions have raised

more than $1.17 million dollars Children’s Hospital &

Medical Center through the Children’s Miracle Network

Hospitals partnership.

Their current goal is to raise $225,000 over the next 3-4

years for the Hubbard Center for Children, opening in

2021. Donations will benefit the Hematology/Oncology

Center, including the lobby, playroom and a patient

room.

Your donations to CMN Hospitals have supported

Children’s neonatal intensive care unit, the Carolyn Scott

Rainbow House, a hospital playroom, ambulance, and

outpatient surgery center.

Board of Director Rocky Bray represented Spirit of

America FCU at the ANG Yellow Ribbon Program on

March 16 at the Graduate Hotel. This is a Deployment

Event for the Air National Guard.

Spirit of America proudly serves Military, Federal, Postal

employees and their families only!

Celebrating Youth Month! Studies show that people are 42% more likely to accomplish their

goals if they write them out and review them every day. So, Spirit

of America encourages you to write down your dreams, create vi-

sion boards, and to support one another in your quest to fulfill

your ambitions!

. . . And do let us know what your vision for the future is! As a

reward, during Youth Month in April, Spirit of America invites our

young members to express themselves through photography:

Teens share a picture having fun on Instagram or Twitter using

the hashtags #SOA or #SpiritofAmericaFCU will get a $10 gift

card for Marcus Theaters!

Privacy Notice

Your privacy is important to us! Federal law requires us to tell you how we collect, share,

and protect your personal information. Our privacy

policy has not changed and you may review our policy

and practices with respect to your personal information

at www.spiritofamericafcu.org or we will mail you a free

copy upon request if you call us at 402.467.1102 or

800.998.2519.

Members who aren’t teens yet, we’ve got something for you too! Come in to the Credit Union and make a

deposit. Let us take your picture for the next newsletter or lobby display. You’ll receive $10 to Marcus

Theaters too. (Please note, only one movie gift card per member age 19 and under during April 2019.)

Rhonda,

We just received the AWESOME care package that Spirit of America Credit Union sent, and I've been distributing it out. All the men and women love the items, and it was an extremely nice gesture from you and your team..

Please extend our sincere thanks, and know that we are all very much honored that you all are thinking of us while we are away from home. We are busy here, flying a lot, and working 12+ hour days every day, so a little taste of home is always welcome. While we are unable to share our location, or details of what we are doing, please know that we are grateful for organizations such as yours, and the overwhelming support you have shown our amazing men and women in uniform.

By the way, the Husker stuff is great! Go Big Red!!!!

Sincerely, John Loken

Spirit of America is asking for

donations to deliver a care

package for Nebraska’s men

and women deployed over-

seas. Please drop off donations

by June 28 2019, at 325 N 52 St

MEMBERSHIP APPRECIATION DAY - Friday, July 26

Why? Because we appreciate you, our member owners!

Friday, July 26

11:00 a.m. - 2:00 p.m.

Tastee Trailer 200 Free Meal Vouchers (one per member)

(Before going to the trailer, come in and get your voucher)

There will be drawings for prizes too!

Receive a “Wooden Nickel” for

a one half percent discount on

any new money loan in 2019.

*Must be present at the Annual Meeting to be valid.

A Wooden Nickel from this years Annual Meeting is

worth an additional discount of 1/2% rate reduction

on any new money loan in 2019! It can be used

during any loan promotion when rates are already

discounted. You could receive an even better

discount - up to 1.50% off!!

Do you want the lowest rate possible on a loan?

Attend this years Annual Meeting - Thursday, April 25!

“I Voted Today”

When does it pay to vote? When you apply for a

loan at Spirit of America and give us your “I Voted

Today” sticker from the voting booth!

You’ll receive a .50% discount on

any new money loan of $5,000 or

more.

Exercise your democratic rights

and then stop by your Credit Union

with your “I Voted Today” sticker

April 9 to 16, 2019 and May 7 to 14, 2019 to receive

a great loan rate!

Certain restrictions apply. See your Credit Union

for details. Cannot be combined with other

promotions.

HOLIDAY CLOSINGS

April 25 - Close at 4:30 Annual Meeting

May 27 - Memorial Day

July 4 - Independence Day

It is an unfortunate reality that there are businesses and individuals who will seek out and prey on those who are

struggling. Consumers who are vulnerable often find themselves receiving offers that sound too good to be true. One

such example is credit repair scams. Lately, many consumers have received generic form letters offering to fix their credit

score for a fee. While this may seem harmless, or even helpful, the truth is not so innocent.

Why is this a problem?

Many consumers have actually been deceived into subscribing to services provided by dishonest companies that charge

very high fees with the promise to fix their credit.

It also appears that the only service some of these companies provide is issuing credit bureau disputes to all creditors.

These letters are not, and cannot, replace an official credit dispute letter. They have zero legal impact on your credit.

The concern is that some of these companies are taking advantage of the most vulnerable consumers, making it even

more difficult for people to achieve their financial goals.

What should you do?

While there are companies that will legitimately assist in improving credit

scores, it is helpful to know what to look for. In a nutshell, legitimate

companies are very reluctant to make promises, especially before evaluating

your entire situation. They will be upfront about what they can and cannot do

and will set proper expectations before entering into an agreement with you.

If you receive an offer from a company promising to fix your credit, call Greenpath. They are active in the financial

services sector and can help identify which companies are safe. Also, keep this age-old wisdom in mind: if something

sounds to good to be true, it probably is.

FREE Financial Coaching

Provided By Your Credit Union

Greenpath.com 877.337.3399

For items pertaining to your credit card such as:

Balance Inquiries

Travel Notifications

Card Declines

Lost or Stolen Card

Payment Questions

Contact Cardholder services at 877.848.5092

This number is also listed on the back of your credit card.

Call Spirit of America if you’ll be traveling outside of the

state you live and taking your Visa debit card, at

402.467.1102 or 800.998.2519 to place a travel

notification. This will help our fraud prevention

department. We don’t want your debit card to be

blocked because of potential fraudulent transactions!

When you’re traveling, have more than one plastic card.

We encourage you to apply for a Credit Union Visa credit

card. That way if one card isn’t working, you’ll have

another form of payment. We offer a low-rate Credit Card.

Your interest rate is the same for purchases, balance

transfers and cash advances. Contact Cheryl or Dannielle

to apply today!

Looking for a surcharge-free ATM?

Credit union owned ATMs are located at:

Our drive thru at 325 N 52 St - accepts deposits

Cash dispensing only:

1st Floor Federal Building*

Department of Homeland Security*

National Guard Base Atrium Outside BX*

When you aren’t able to use Spirit

of America ATMs, there are two

ATM networks you have access to

with over 30,000 ATMs nation-

wide! Download the apps! Search

for: MoneyPass and COOP ATM

Shared Branch Locator. Enter your

location and be directed to the clos-

est surcharge-free ATM.

*some locations require building access