QuarterlyNewsletter - New Orleans Credit Union

[Pages:5]Credit Line W The January 2017 QuarterlyNewsletter

HAPPY

2017!

HOLIDAY CLOSINGS

MONDAY, JANUARY 16 Martin Luther King, Jr. Day

MONDAY, FEBRUARY 20

Presidents' Day

TUESDAY, FEBRUARY 28

Mardi Gras

The Key to a Successful Budget

Is Minimalism

The easiest way to abandon your budget? Make it complicated and tedious.

Resembling a beautifully spare modernist home--all clean lines and uncluttered spaces--a minimalist budget can help you clarify your financial goals, provide you guidance on how to meet them, and allow you the freedom to spend a little on yourself.

To keep your budget from growing too unwieldy, try these three methods:

? Set up a modern envelope system.

Most online banking platforms allow you to open multiple accounts and give them names that correspond with the different categories you're budgeting for-- an update of the tried-and-true method of putting cash in different envelopes earmarked for specific expenses. Having multiple accounts allows you to easily shuttle money back and forth between them;

? Have a "spend on whatever I want" category.

Agree on a set amount you get to spend on whatever you want each month. As long as you're setting aside enough for expenses, savings, and needs, this gives you some financial freedom and allows you to indulge "guilty pleasures" without the guilt; and

? Keep the budget simple.

If you're just starting out with a budget, making it as simple as possible will help you stick to it. In her book "All Your Worth: The Ultimate Lifetime Money Plan," now-U.S. Sen. Elizabeth Warren (D-Mass.) recommends allocating your paycheck--assuming taxes and retirement savings have been automatically deducted--accordingly: 50% to needs (bills and groceries), 30% to wants (clothes and entertainment), and 20% to saving or paying down debt. These guidelines can help making budgeting easier and feel less punitive, but they also assume you're doing relatively OK financially and have a steady income. If you're drowning in debt or your income is irregular, your priorities will need to adjust accordingly. Remember to visit GNO FCU if you're having trouble wrangling your daily finances.

If you aren't using GNO&ME, now's the perfect time to begin! Sign-up for Home Banking first and then follow the steps to begin using your personal financial manager tool - GNO&ME.

WE'RE PLEASED TO ANNOUNCE

The Enola M. Fee Scholarship $1,000 Scholarship Prize

Do you know a graduating high school senior who might be interested in an extra $1000 for educational expenses at a 4 or 2 year undergraduate program or vocational school?

Tell them about our Enola M. Fee $1,000 Scholarship Program. You can download our Scholarship Application and Requirements Checklist at

under Additional Services; Scholarship.

Application and all required materials must be submitted via mail, e-mail, or delivery at one of our branches no later than March 17, 2017. Winners will be notified by April 21, 2017, in time for graduation.

Even in the Age of Chip Cards, Thieves Lurk

You may have noticed a lag in checking out at the store lately. If you're paying with a new microchip credit or debit card, the payment process takes about 15 seconds longer. In the age of insta-transactions, this can feel like a lifetime. But it's for a good reason! That's because chip cards communicate with the financial institution as the transaction is being processed ? which make them more secure. However, not everyone has made the switch to the microchipped cards yet, and even if you have, some stores and ATMs don't have the upgraded hardware to take advantage of the encryption they offer.

This means that we are still vulnerable to card fraud and theft. For example, financial data could be compromised online, too, as the new chip cards don't offer additional security when making online purchases.

What does this mean? Even with new chip cards, you have to keep an eye on your accounts for fraudulent activity.

Some people believe that as long as they didn't actually charge it, they won't be responsible for the debt. On some level, this makes sense. Why would I be responsible for a purchase I didn't make? This is only partly true.

According to the FTC Consumer website, your responsibility really depends on how quickly you report the incident:

? If you report the loss within two business days after you realize your card is missing, you won't be responsible for more than $50 of unauthorized use.

? If you report the loss within 60 days after your statement is mailed to you, you could lose as much as $500 because of an unauthorized transfer.

? If you don't report an unauthorized use of your card within 60 days after the card issuer mails your statement to you, you risk

unlimited loss; you could lose all the money in that account, the unused portion of your maximum line of credit established for overdrafts, and maybe more.

So keep an eagle eye on your accounts, and check in frequently to make sure the transactions posted match your activity. If you have not received your new GNO FCU EMV chip card, please contact us at 504.454.8224

PARE AUTO PREMIUMS FOR TEEN DRIVERS

WHEN SHOPPING FOR CAR INSURANCE:

Premiums for teen drivers are hefty because newer drivers have more accidents. For example, in 2013 teenagers accounted for 9% of motor vehicle crash deaths, according to the 2014 report by the Insurance Institute for Highway Safety (IIHS).

? Ask about good grade discounts. A student with a "B" average or better may qualify for a rate reduction of typically 5 percent to 15 percent, though some insurance carriers offer as high as 25 percent.

? Stick with vehicles having safety features such as airbags and antilock brakes. ? Ask about coverage with a "family policy" that matches drivers to the vehicle that each primarily drives. It won't

necessarily mean each person can drive only that car.

? Explore a "named-driver" policy that matches drivers within a household to a specific vehicle. Typically, a parent having a named-driver policy will be able to drive the teenager's car, but the teen won't be able to drive the parent's car.

? List your teen as an occasional driver--but only if that's true. While you may never get caught if you fudge, policies have a clause letting the insurer void the contract in case of misrepresentation or fraud.

? Ask how long your teen driver must remain accident-free before he or she qualifies for the good-driver discount.

Shop. Compare. Save. Visit insurance today.

Members have saved nearly $2 billion with Love My Credit Union Rewards!

Start saving today at

GNO Federal Credit Union Members Get Exclusive Discounts from Love My Credit Union Rewards

38585_All_Bundle_noTruStage_Onserts_7.5x2.indd 1

12/22/16 2:0

Everyone loves to save, especially on products and services you use every day. That's what Love My Credit Union Rewards is all

about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can

save too with valuable discounts from these partners:

$100 cash reward with every new line switched to Sprint! Current customers will receive $50 for every line transferred. Plus, a

$50 loyalty reward every year for every line!*

Save up to $15 on TurboTax federal products! Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. Shop and get cash back at over 1,500 online retailers with Love to Shop

To find out more and learn about other valuable discounts, visit . You get all these offers and discounts just for being a member of GNO Federal Credit Union

QUALIFYING RATE.

Upon used vehicle purchase from Enterprise Car Sales.

GET 1% OFF YOUR LOWEST Upon used vehicle purchase from Enterprise Car Sales.

7-DAY REPURCHASE AGREEMENT***

Now ? DecemNboewr 3?1D, 2e0c1e7mber 31, 201 QUALIFYING RATE.1

Call 504 454-8224 or visit to get

Now ? December 31, 2017 Upon used vehicle purchase from Enterprise Car Sales.

pre-approved by Greater New Orleans Credit Union. Preview our great selection of quality used vehicles at

gno

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GET 1% OFF YQOUARLLIOFYWINESGTRQATUEA.LIFYING RATE. V12E-HMICOLNETCHE/R1T2I,F0I0C0ATMIOILNE GET 1% OFF YOUR LOWEST VELHIIMCILTEECDEPROTUWIFpEIoCRnATTuRIsOAeNIdNvWehAiRclReApNuTrYch* as1e

12-MONTH / 12,000 MILE

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VEHICLE CERTIFICATION

FREE CARFAX? REPORTS

7-DA1Y2R-EMPOURNCTHHASREOAAGDRSEIEDMEEANTS*S**ISTANCE**

12-M7-O7FDN-RADTEYHAERYRCEORAPAERUDPFRSUACIDRXHE?CAHRASSEAESPSAIOESGRTAARTGNESRCEEEME**EMNETN**T****

FREE CARFAX? REPORTS

Call 504 454-8224 or visit to get

CaClla5ll054F0R44E5E4457C-48A-D-2R8A2F2AY42XRo4?rERoPvEriUPsvORitisRCwiTtHwSwAwSwE.wgAn.gGonRfcoEufEc.oMur.EogNrtgTo*tg*o*egtet pre-approved by7G-DreAaYterRNEePwUROrCleHaAnSs ECrAedGitRUEnEioMnE. NT***

Visit us at Enterprise Car Sales MBaeBMBtPtoaaaperCnttierPtrooaeavpiRrnnle-iilPPererao5eppiRRvwrrpueC0-eerrioopgeaaee4ovvuurewlp--iiuolVggee4aaprv5ieeww5eopps7erg0n4uoppi-dV36rt4ooDt-rvrre51ieube8uusooAeVV636ag421rysn2rrvviYdt151iiprt975eess2teeGV11Lsaegg121rReubnn4ii4ddNSV1Ler2taiIE2rrtt797rsEyttse-Mlee2iIEEt-.oeeeuuHbbp-8ePaMSNSIaaMG-sarMcnH-rrIyygcrsst2UIMiittT.1teepprCeetivIateOiI2RGGsOTeessaaor0lC-EiggrrrELnOsee4NC1raeenrrsEttiiNNeeLDiSEcnsspNeetcH0LlltaTEEnnDeooeeEteeeTeraaatwlnAiTPCwfHSrccenneiorccrLLttHrs.SPCHwqtteesvErOnevaattsNnneiiOE/ueepooirr.EOirarrRwRcc..Wseo/arvCrrnnssr1NNRAoelWilT.Owfpplieitea1aagc2iGmEseoeoTtRqIarrsAwrne2lly,ERFewwffROIeeii0un/d.o,ssDFSucERRIwqqg0sssar.T0CfCee,osEIOOaSuulncd..T0lCSweRC0acceAimMluoaarr.tCCIeR0a,oordtArDyllAT..lleESeMeesaaogn/iimmATvSttEuI.MdNIaaV11LFgrtrrnyysONeI1eIgiIsaLT//MeggL*lssEUt-oW1fH-i*EeN0SssoraacdnnMcE*WMn0ICCeeelsEIllSuToogeACviee0dOrrddoOsAe.EIeeeLssCRo52inSNttvvhNaddDR02rE.ARTUeeTti252gii45TcRttARhhAPCnH202lUUHt42AiieNFi545EoOccNo59nns/AllNCRRn242WgeeT51iiMBa1XooE.T959sseTOY--at2nne?E97*151tYIAaat*,t*..Fo30R---R0a*ttD797nI34iPET0rC030S60iRrPRe0A434eIPoDO060ATvupMrCiERIgeIerONIaeweLvTArvpFFS1speSAdvb"NleAe-ehxeeeyeraiuaaESple"WhthddProylletoelSarceveoaiieeslrRenccoesism5trrwosll=-dunaaagweeVM36Mpteu)SAsfollteo.A.tlansmeyb0rrna,CCaRfg51tmiroipnanuEneaieelruIsrntetaeusnaRysigh21r4Sorsvg1rdegarttnareAbeeirueee2iletiprntrt97esnercrrduRopTf.et.oPtmsttUoeroaa4ir*doTseeoeruriltfnoAsae*sNShrvctrnbaA2uicacnetiiioEes5rbeoaysu.nrsetV11LF9nanehntliftnNr.adwyigtopn9etrseohNptp/ene4mifaId%2dsoInE2Reldpsfaruon-glegrhprrelMC"rfrtvNrey(oor1cH=met--TAltai.iH1-recherarEsarasFRmAea2tbbatEMa8et0ly-tigMohnEse,aAenoYsItaeo01gereebEne.Itren)rTen0ys2rl*d2aoCTeaeS.mcn.oatf0O-*tsecthL-hllx*OpMnreOet1fEbaliCmtardre2LyCsedaGt1%ecefenosiiNtrfli,petreneesoiniNol0cDrotsepraErdt,4sAn.tbo0easrrhoyrisivrnuaTvm0lsit,macfe,cspUaTyfewUfrlepbieRblmuflieeenaPCiicnHouhenciadrldnooaenliiagcuHyiiinlraitsrcomeelehts.-FroiterEchfOdgnsrEedwaeWicnoiteeditnsoos/nwblAenoAfvRqtoeeytwrsRdRaveaaterecdWidreittolynprlrrohmhMluurpd1o.rXoytypicbnaihrbrrTcOa-nniroitsypianesleafon.sCde2Eermntar?Esi,.oNeexeysEs.aniiIitA.ielndsetgnS*CChtmo,artFeismaTeatRRoeaLtmoa0tetraheohthnfwpiRrtirDnrotyimeoeiwepIderrlSnontedrsinETa0lrwf/CsiuaaeyUaetitotoc.Ses.eSedmru.lsmt$nfgeRsredRsfPR0wqmsa4C1iehAoseyieetsfadWre2iuIsnoaMrt$ss.pOedeot90nDurtu.O2UAre.a.Trrm"al.itALMrwio0r7SSccscnrer0aoos0dte7aeraattaGiERrIaisoafaIod.lnoeogdetisnrtdOlFntesNtnI.eheoslhvytivstiserreasLengTaenceima.bAxvtrgnhuaaaetdPaNeaeeb25pacinmnrpsEeShncmhagyWuepcdomphlSotieiNyei20clpnuPln/nntyd-ysaCloeolsra.edgit.eercuwaa54wSckscgFfol:AFoesfotinksooivwoefsnopra$alsOerrrrongIndnu241iceertiqlRdfrdhneSalry0ClapuuececEeeec.,95,siunohraots0lstanwa*ueavdltRuan0Ttrdiirpvie15d*ehflsllas0.saicirdshriie*oeteonAp,lc,ioib--dedAouFFcvhgarstsaovleinosi79feeGdeesd1nfrdlrNarveeeeyrpe/riNpeueoecn031eaduaaHprgiurttwag/aornnatb1prCtotcp43lheechfry7TeoleEoEadrhtdeCremutnsnU06tNioaEih?aioenrctpts(YfeeeeeeotcdsatgersiEr1rdwaisAo*spnpocn2niodf,nl*mtreranOit*/faiiIrsegael3sslnUtselrioys,rneoee1lctrp.oeefn,nwiw/.seaTrCcaCvi1tutiAoniheanhehsa7tanadnnhdnleseeetrr.lla. t

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New Year Off Call

504

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New

Orleans

Credit

Union.

In A New Home? Preview our great selection of qPureavliiteywusoeudr vgerehaictlesselaetction of quality used vehicles a

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Visit us at EnterLpertisoeuCrarMSaolVeristsgitaugseatTEenatemrprHisEeLCParySoauletsoday! percentagerateof 2.99%=monthlypaymentsof approximately$429.77.FinancingforqualifiedGreaterNewOrleans

Preview ouerngtreeraptrsiseeleccatriosnaloefsq.cuoamlit/ygunsoed vehicle at 1APR=Annual Percentage Rate. 1% off current rate. Contact your Greater New Orleans FedFeeradleraClreCdreitdiUt Uninoinon members. Offer valid only on Enterprise Car Sales vehicles purchased 1/1/17 ? 12/31/17.

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reprveeshenictlaet.ivCeufrorrencturaretenwt rilaltev.arTyhbisasisedaobnucyr-eddoiwt wnorrathei.nTehses anmdotuenrmt osf. Lthoeanbueyx-admopwlen: c$o1u0ld,0a0f0febcot rtrhSoeawlepesrdiMcaetanoaanfgtaehnre.nTuhaisl offer cannot be combined with any other offer. Used vehicles were previously part of Enterprise

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other trademarks are the property of their respective owners. ? 2016 Enterprise Car Sales. H02205 Sd?Say21s1/ay1ft6resrKDthoefdwateoorfkpuhricshtaosreyorin1,0s0a0mmeilespbreoyfoensdstihoeno,doomretceor rleleadgineg attradenlivsecrryi,pwthsichever come

vb?eyhIlnaicwcle)o.mRmaeysetbriecretrieostnutsrrniacepdtpilfoyo.rnFtohsre-dedextaeacilstspi,grsiecneeeaodnrigEifnnotaerlrlpylropisaweidCmatoriSnuamlseosa Md$2ea0n0raagdeotrec.uPmihnoecntootafmtoiorenillaufnsadtrmactlieiolainenpisnugrpfeoese(sa

1APR=Annual Percentage Rate. 1% off current rate.1"ACeP"oRlno=tgaAocnt,nEyunoatulerrPprGeirsrceeeaantnetardg"NeHeRawgagteOle.r-l1fera%enesbouFfyfeidncegur.rarWlenoCtrrreryad-tfierte. eUCnooiwonnntaecrsthyipo.u"rarGerteraadteermNarekws oOf rElenatenrsprFiseedHeroalldiCngr

representative for current rate. This is a buy-down rateroe.GptThrheerresaetrananmtdateotimuvfenautrfnkosrfdactrhsueertrahebenurteyp-rrdaoltopiemwe.rnTitythceiosofduitslhdebaiarafbrfeeusscyept-detdhcoetwivopnernoircawetenao.efrTsfhti.hre?esatm2c0oo1u6nmtEnoetfetrfhpierrissbteuCys-aedrorSwvanleesc.obHu0ald2s2ai0fsf5e.cStSth1e1p 1APR=Annual Percentage Rate. 1% vpoeefhrfciceclneut.rarCgeeunrtrraertanettoer.fa2tCe.9ow9ni%tlal cv=tarmyyoobunartsheGlydrepoaantyemcrreeNdneittswwoofOarrtplhepianrnoesxvpsieseCmFhraeciancadetldeneellrtl.ytaaeCgl$oremu4Cur2rsrra9ree.tne.dL7Mtioo7traf.aUn2Ftoe.nie9nwirx9oaati%nnlgmlcvipa=nalgremgy:foeb$nra1tqshD0uel,yda0el0piof0aipneybdmcaorGeerrrdnrtoeitmtswawtoeeedofr arNnatphettpiwanrntoeOoxsarisndlmenaaaunntadeysllytet$rom42ss9..tL7ao7ar.nFtientxahanmecipnlgge:rfoa$r1qn0ut,a0l0pif0ierbodoGcrrreoewastesedr. Na rvpFFeeeeervp1phddreAeercieepehPcrerrrcslinaaReeceellts.l=lnaneyeCCAgtt.anaienruCgntteianrresvudratuueeirirtvtarneareefelttUoonedrfrPfntoaob2eirctrfoeayru.29ccntrwetu.e9rh9enmirw%el9rnlteiae%tlvNngl=maratvear=mbtarytieaeorRmob.ytrneansoaTab.t.tesnhhlaT.OetliCshhysdfe1rlifpysdeeoi%sardFFSspnpoiyhieesraaavtnmceddoolyaUraevbeermclfeesiiftunrrroddnb-aaeeyiMtuitucolldents-losuyynrditCwanotsm-rounirdrloAfwnoyeewsaoardsnofrdegtnpweomuhatrieppntntrnpirrhnierr.otUanpaaoideETrstnirltnexasssenhoeb.itisati.timexosrbyesnTa.iasnlCrmdahtytonpTihat/ooemfdearhsonefinnltehesraydeet.Nreeomalml$ayRrtccearemm4Coatbetat$r-i2nussmeao4stoyet9nenrr.n2urossr.oitLa9mn7Sc.u.ftlolo.tt7LareO7ibCafo.lreoo7eenfeGFnttraffs.hneeiscnreoFtnerdtehoxvariaaeianvemaeltbpnx,tpamhaeuUapcbblulnrieyimiclpnuidrncya-nlcliNy.iedsgpeoehn-oseFeo:ldndagfenoowwsoo:p$wlAfrreyonrwu1$qdiddOrtro0no1humcecqrt,bno0hath0lucaaieylu,ane0oinia0aEflsrli0lsuiFFSspynd0Es.niee,fheelrts0n5a*bdtdioreaeddesolatoLtevebfrdeGeeh0rFt1afrpisiroeetrrmeoreof/rp-Graaoc4fr1edMrtiunearllresitrwal/ietooscn.eysre1e.Ctatr4temfweaRheda7unfEirdrtCetenleeeesah5nfWrNs?darrdega.etCpeoturee9tNieUrarapntmrr1rpiwarirSceetpes.otcU.r2nra8tdwdaeaareiTsOi/lcoinonidl1nas3hsteerbOtoianntieh1lio5savybyesfnUsnroe/nnelCald1bytuvteor8fnhnahnh/a7eeamfipitusoesseforchhng.lephoarleniesiNrecllonumylsclearsr.ecatbatws-Fioenseotoeesnnerpnrsrrouaemti.fdhntllrepOececbCrehrtlefeauetvrfaneeivedclsordtsihoieaorn,iivmdltucg,spaUlsebleul1eliaeniydr/anpuc1isaopeuth/ooenda1rancrs7oEawlAhteyrunoadid?toctsofhmettebniEr1hoaipynn2ednnrErti/ayseEs.n3t,rten*et1orpeatw/LtareCrh1tipiniirsmea7toprhderri.nrsiito.seefRedfCeefWrsar.otrUramirScsrteaaioodlnetnthsvyseebvrhaeepischgpoliieclnuyslsr.ecwsFoeoesnprruetidhnrpecechrtlauevaivedlssihieon,iducgslsee1laey/pu1aput/ona1rcr7Eahtunoa?ct

As a valued member of GNO Federal Credit Union, we are committed to serving you. And as a benefit to you, we are providing you with free access to money management and financial education services.

GNO Federal Credit Union has teamed up with GreenPath in order to bring you GreenPathTM Financial Wellness, a financial education and counseling program. Through comprehensive education and exceptional service, GreenPathTM has been assisting individuals for more than 50 years.

As a member of GNO Federal Credit Union, you can receive assistance with:

Check Out Webinar Wednesday's

? Personal and family budgeting ? Understanding your personal credit report and how to improve your score ? Personal money management ? Debt repayment (fees may apply) ? Avoiding bankruptcy, foreclosure, and repossession

resources-tools/webinars

Wed Jan 11th - 12:00pm

Prioritizing Your Debt in 2017

GreenPathTM can give personalized answers to your individual needs. For issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away.

GreenPathTM counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at .

GNO FCU & Employees Donate to New Orleans Police & Justice Foundation Giving Local Children New Bikes for Christmas

GNO FCU and employees helped out New Orleans First District Police Department

by doInmatinpg o$5r0t0anto tthMe Cehmristmbaseirn NtheoFtiristfipcroagtraimo. nThis program provides

underpriveleged children the opportunity to receive Christmas gifts which included new bicycles this year. Christmas in the First gives officers the opportunity to interact with children and their families in a positive and social atmosphere.

2016 New Orleans Police & Justice Foundation

Childrens Bike

Contact InformatioGnive Away

504.454.8224 Toll-free in LA: 888.468.5041 Toll-fee outside of LA: 800.468.5041 24/7 Call Center/Loan Line 866.363.0207

COMMUNIQUE' 24-HOUR ACCOUNT ACCESS LINE 504.459.8170

NATIONWIDE CO-OP SHARED BRANCH NETWORK

METAIRIE

3105 Lime St. 70006

MID-CITY NOLA

2812 Canal St. 70119

WESTBANK HARVEY

2731Manhattan Blvd. Ste. A-25 70058

WWW.

Federally insured by the NCUA

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