Member Matters

[Pages:4]Member Matters

70 Years and Still Growing! April 2007

333 Babbitt Road Euclid, OH 44123

Contact Us: 216-920-2000

800-845-5446 216-797-0037 FAX -

Web Bill Pay, Home Banking & more

Office Hours: Monday, Tuesday, Thursday: 8:30AM - 5:00PM Wednesday: 10:00AM - 5:00PM Friday: 8:30AM - 6:00PM Saturday: 8:30AM - 1:00PM

Wickliffe Branch 1460 Rockefeller Road Monday through Friday 11:00AM ? 5:00PM

WHQ Branch Office Hours: Tuesday & Thursday: 8:30AM - 11:30AM

MATT TouchTone Teller: 216-920-2010 or 800-513-9260

24-Hour Loan Line: 888-754-2714

FREE Web Bill Pay: 888-918-7456

Shared Branch Locator 800-919-2872

Financial Planning: 216-621-4440

ABA Routing & Transit Number: 241075470

Lost or Stolen Cards: VISA: 800-808-7230 ATM/Debit Card: 800-523-4175

Savings Are Springing Up Everywhere!

Vehicle Financing Special

New Vehicle Loan Rates as low as 6.45% APR*

Used Vehicle Loan Rates as low as 6.95% APR*

Special Rate Discounts

? 0.25% off APR with Direct Deposit or Payroll Deduction

Compare our monthly payments - we'll save you money!

Get Approved At The Dealer*

At participating car dealers throughout Ohio, you can now fill out a loan application and get approved onsite. Here are some Cleveland-area dealers who participate in this special program:

? Pat O'Brien Chevrolet in Willoughby Hills ? Jack Matia Honda and Chevrolet in Elyria ? Motorcars Honda and Toyota in Cleveland Hts.

? Rick Case Honda and Hyundai in Euclid ? Chrysler/Jeep of North Olmsted ? Andy Chevy of Lyndhurst

* Subject to each member's individual credit quality and cannot be combined with any other offer. Rates are subject to change.

Welcome Wickliffe Community

Credit Union Members

Eaton Family Credit Union members, employees and board of directors welcome...

? Wickliffe teachers, school administration, city workers, police and fire department employees ? Community and select employee groups including Traff-Pro Consultants, NAMPAC and the

Wickliffe Public Library

? Anyone who lives, works, worships or attends school in Wickliffe

Now in addition to share certificates (CD), new WCCU members can take advantage of convenient services such as shared branching, increased ATM access, debit cards plus online and phone-based access. Also, Platinum, Classic, and Secured VISA options.

EQUAL

Located on Rockefeller Road, just off Euclid Avenue, the Wickliffe Branch of Eaton Family Credit Union

OPPORTUNITY is open Monday through Friday from 11:00AM to 5:00PM. Stop by to say "Hi" to Irene, Jan & Vivian.

LENDER

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Inside:

? Credit Union Youth Week (4/22 - 4/28) ? CU Appreciation Day - 6/28/07 ? $25 E-mail winner

Get $5.00 Extra For New Youth Accounts

During National Credit Union Youth Week

April 22 thru 28, 2007 - 1 Week Only!

All new members 18 & under who open a Share Savings Account with at least $5.00 will receive an additional $5.00 matching deposit.* Open an account for each of your children or grandchildren, nieces or nephews today!

* Account must be open for at least one year or the additional $5.00 deposit will be forfeited.

Eaton Family Credit Union: Convenient & Secure

Shared Branching

? Make deposits, withdrawals and loan payments at 2,000 member credit unions nationwide:

In Northern Ohio:

? Akron ? Alliance ? Ashtabula ? Broadview Hts. ? Canton ? Cleveland

? Elyria ? Fairport ? Sandusky ? Vermillion

? Willoughby

Our members have visited Shared Branch Credit Unions Across the country in these states: NC, FL, IN, GA, OK, VA, NV, CA, TX, LA, WI, AZ, MI, TN, IL, MS

Choose Convenience at to find a Shared Branch near home or work.

ATM Networks*

? STAR or PLUS ? use any STAR or PLUS ATM across the country ? KeyBank ? surcharge-free in OH, MI, IN, KY and TN ? Wachovia ? surcharge-free in NC, SC, FL, GA and TN ? North Carolina CashPoints ? surcharge-free ATM's throughout NC ? AllianceOne ? always surcharge-free in 38 states ? Sheetz ? NOW surcharge-free

Choose Convenience at for our ATM Locator and more details.

* Surcharge-free up to 5 transactions per month at KeyBank and Wachovia. ATM surcharge listed on individual STAR and PLUS ATM. Transaction fees apply after 8 transactions.

Online at

? FREE Web Bill Pay ? FREE Home Banking ? Monthly Specials and News ? Sign Up for Email Alerts ?

$25 Visa Gift Card Winner Quarterly

Join A Club

? Open a club account today...start saving now before bills sneak up on you ? Here are some reasons to open a club account:

Holiday ? start now for Christmas

Vacation ? take a plane or hit the beach

Education ? parochial, private or college

Cleveland Saves ? You Can Build Wealth

By Phone

? MATT ? TouchTone Teller ? 24-Hour Loan Line

Loans 101: Taking The Mystery Out Of The Loan Process

Once you're a member of Eaton Family Credit Union, getting a great rate is easy. We would like you to understand the path our loan officers take to make you happy.

Education ? find loan products, rates and monthly

specials:

? Visit with a member service representative or loan officer

during business hours.

? Read Member Matters. ? Go to then Loans. ? Contact us: 800-845-5446, 216-930-2000 or

FAX 216-920-2030

Loan Application ? you can apply for a loan

face-to-face, with a paper application or using cutting-edge technology:

? Onsite ? loan officers are available at our branch during

business hours (including Saturday). Try to make an appointment to minimize wait time.

? Application ? we can mail, fax or you can just stop by for

a loan application... whatever is most convenient.

? Indirect ? you can now fill-out and get approved at the

dealership. Choose Dealer List from the Free Tools box at to find a participating dealer.

? Phone ? call 888-918-7456 to speak with a representative

day or night with our 24-Hour Loan Line; get an approval or we'll contact you for more information within 1 business day.

? Online ? from our website, just one-click Loan Application

to start a vehicle, personal or credit card loan. Find 24/7 Mortgage by clicking Loans then Mortgage.

Credit Check ? credit scores are a history of who you

paid, how quickly you paid them, and what you may still owe these creditors.

? Request a free credit report to review this information by

clicking Perks Plus then Free Credit Report from our website.

? Your loan interest rate is determined by your credit score,

income and other outstanding debts.

? If you're willing, we can help you learn how to correct

credit problems to get approval and lower your interest rate.

Disbursement ? Vehicle ? cars, trucks, pick-ups, SUV, motorcycle, boat or

RV; once you're approved, then we pay the dealer.

? Mortgage ? members in the Great Lakes region can often

complete home loans face-to-face and many others rely on mailing paperwork to finish the process.

? Personal ? funds can be transferred into your account,

sent by check, ACH or wire transfer to creditors.

? Credit Card ? you will get the card in the mail; then enjoy

Scorecard points that can be redeemed for products and

services.

Employee of the Quarter

Maretta Kibler is an asset to Eaton Family Credit Union. She shows her friendly nature by greeting members by name and having their accounts ready to go. Enjoyable to be around, Maretta handles even the most complicated transactions quickly and accurately.

With 3 years under her belt, Maretta

knows how to properly train new

member service representatives. If she cannot answer a question

Maretta Kibler

immediately then Maretta knows how to find the right answer.

A real team player, Maretta quickly jumps into all tasks with zest. She recently helped update member accounts related to a national credit and debit card scam by helping to issue new cards.

Congratulations Maretta!

We Support Our Community...

because our community supports us.

We give time, money and efforts to the following organizations:

? Annual College Scholarship ? Rainbow Babies & Children Hospital ? Nottingham Home ? Junior Achievement ? Rotary Club ? Eaton United Way Programs ? Euclid Chamber of Commerce ? Western Lake County Area Chamber of Commerce ? Euclid PAL ? Euclid Boosters ? Euclid City Schools ? Area Private and Parochial Schools ? Euclid Hunger Center ? National Endowment for Financial Education NEFE

Whether you joined Eaton Family Credit Union through work, through a family member or because you live in Euclid, Wickliffe or Lake County, we support your causes.

Please contact Fred at 216-920-2021 or fsiegel@ to discuss how we can help you and your charitable initiatives.

New Credit Union Staff

We continue to grow and to serve you best, our staff does too.

Euclid Branch: Alyson and Phyllesia Wickliffe Branch: Jan and Vivian

Welcome Aboard!

You're Invited!

4th Annual Member Appreciation Day

Grow with us, Groove with us... 70 years strong!

? Enter to win prize drawing to win a gas card

? Get approved for a VISA Card at Member Appreciation Day and get a FREE cooler

1970's Theme

When:

Friday, June 29th

Groovy Free

Eats Really

Cool Drinks!

Where: Our Parking Lot

Time: 11:00 AM to 4:00 PM

Who:

You and Your Family!

Be there or be square!

70th Annual Meeting

Go to News at for photos and fun from our March meeting at Tizzano's.

Holiday Schedule

EFCU will be closed:

Memorial Day Monday, May 28

Independence Day Wednesday, July 4

Email Winner

Congratulations Richard from Richmond Hts.

? Richard won a $25 Visa Gift Card. ? His name was randomly chosen from our email list.

Sign-up up to receive email updates and

specials at so you

can win next quarter.

Anticipated Dividends: Second Quarter 2007

April 1 - June 30, 2007 Regular Share Accounts***

Rate APY*

$50 - $249.99

.25% .25%

$250+

.75% .75%

Money Market Savings**

As of March 23, 2007

$ 2,500 - $ 4,999.99

3.00% 3.04%

$ 5,000 - $ 9,999.99

3.05% 3.09%

$10,000 - $24,999.99

4.00% 4.07%

$25,000 - $74,999.99

4.05% 4.12%

$75,000+

4.25% 4.33%

IRA Savings***

$.01 and above

2.25% 2.26%

Checking***

Advantage

$1000 and above

.25% .25%

Advantage Plus

$1500 and above

.50% .50%

* Annual Percentage Yield ** These dividends are calculated daily and compounded monthly. *** These dividends are calculated daily and compounded quarterly.

Above rates are subject to change as reviewed by the Board of Directors.

Mission Statement

Our mission is to be our members' preferred source for financial products and services by meeting the growing and changing needs of the membership while maintaining a position of financial strength.

Term Share Certificates

& IRA Certificates

Minimum of $500 for 6, 12, 18, 24, 36, 48, and 60-month terms. Special 5-year term. Rates change weekly and dividends are paid quarterly.

Official Family

Board of Directors

Marc Manburg, Chair Matt Logies, Vice Chair Barbara J. Jackson, Secretary Mike Losneck Wendy Petrovic

Doris Yee

Supervisory Committee

Denise Gruden, Chair John Dragos

Alyson Debbie Fred Jan LaShawna Mike Robyn

Office Staff

Chris Dena Irene Kelly Lisa Phyllesia Terry

Connie Diane Jameeka Kenyita Maretta Rich Vivian

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