The Fox Facts - Spring 2016

Spring 2016 IN THIS ISSUE » Fox in the Community » Home Buying » Fox Quick Tips » Business’ Best Friend » 79th Annual Meeting » Preventing Identity Theft

Cover Story: Dr. Tami Strom (left) & Jolene Waldburger (right) of Crossroads Veterinary Clinic share the story of their 16-year relationship with Fox (page 5).

Snap Shots

Fox In The Community ([ -V_ ^L HYLU»[ Q\Z[ H ÄUHUJPHS ^L»YL HSZV PU `V\Y ULPNOIVYOVVK >L»YL MYPLUKZ HUK ^L»YL MHTPS`

/LSW <Z /LSW 2PKZ Fox staff will be participating PU )V^S MVY 2PKZ» :HRL [V ILULÄ[ Big Brothers Big Sisters of the Fox Valley, Green Bay and Lakeshore areas. We invite you to help us help kids and drop some spare change into our collection banks, displayed on each of our teller lines, during the month of March.

Warm Hearts Warm Hands Fox & the Green Bay Gambler fans help to keep 1,425 children’s hands warm through the 7th annual mitten toss game at the Resch Center.

Pictured are students, from Preble High School, who helped gather the mittens off the ice and get them ready for distribution to local schools.

SAVE THE DATE! (WYPS Mix and mingle, at your leisure, with local home buying experts who will provide helpful tips on home buying and answer any questions you may have.

SAVE THE DATE! June 4

9:00am - Noon

Experts at hand:

Join us for this free event located at the Timber Rattlers Stadium.

• Insurance Representative • Title Company Representative • Home Inspector • Local Realtor • Fox Lender

Fox and a few other local credit unions are partnering up to help keep your personal information safe!

Visit foxcu.org/calendar for a list of upcoming events. www.foxcu.org www.foxcu.org

Spring 2016 2015 •• Fox FoxFacts Facts| 2 |2 Spring

At Fox Communities Credit Union we’re here to help you take the right steps to home ownership.

What’s your price range?

Northeast Wisconsin’s median house price in 2015 was $135,000.

A 3% down payment would

The only way to know is to go through the pre-approval process either in person or online. We’ll review your income, debt, credit report, savings, and down payment amount to determine what you can afford.

= $4,050

Meet us in person or online

Mortgage Resource Center • Check current rates.

• Seek pre-approval.

20

• Apply for a loan.

• Upload documents and save your application before submission.

or

Find the right Realtor!

52%

VM ÄYZ[ [PTL I\`LYZ MV\UK their realtor through a friend.* Feel great about your choice by conducting at least two interviews so you can draw your own conclusion. *According to The National Association of Realtors

24/7

• Calculators and general information.

full time Mortgage Lending experts on staff ready to walk you through the process.

Call us at one of the numbers listed on the back of this newsletter

Online

Start your mortgage process online at foxcu.org/buying-a-home

thing as There is no such , it’s what a perfect house and how you do with it at will you feel in it th ct home! make it a perfe

LET US HELP YOU GET THE HOME OF YOUR DREAMS! Home Loans With as little as

3% Down Payment www.foxcu.org

Spring 2016 •

Fox Facts | 3

Home Buying 101

Home Buying 101

Quick Tips Use your income tax return to save money.

Tax Time! If you’re like many Americans you’ll be receiving a refund this tax season. Here are our best tips of what to do with that extra cash: • /H]L H ZWLJPÄJ WSHU MVY OV^ `V\ will use it.

• Put towards your retirement.

• Use it to start or build up your emergency fund.

• Pay down debt.

TOP FRUSTRATIONS IN THE CAR BUYING PROCESS FINDING THE

SPENDING TIME ON

RIGHT CAR

THE PROCESS

MAKING SENSE OF PRICING

$

UNDERSTANDING

ishere! here! is Security at the touch of your finger.

Fox members can now use their Fox Communities Credit Union debit, credit or HSA cards with Apple Pay™. When you combine Apple Pay™ with your Fox Visa card, you have access to a new level of security and convenience. Simply use your ;V\JO0+ ÄUNLYWYPU[ VY WHZZJVKL [V H\[OVYPaL a purchase. There is no need to share your card number.

How Apple Pay Works Instead of using your actual credit and debit card numbers, Apple Pay™ creates a unique Device Account Number, encrypting and securely storing it in the Secure Element, a dedicated chip in your device. When you make a purchase, the Device (JJV\U[ 5\TILY HUK H [YHUZHJ[PVU ZWLJPÄJ dynamic security code are used to process the payment. Your actual card numbers are never shared with merchants or transmitted with payment.

Apple Pay™ is compatible with iPhone 6, Apple Watch, iPad Air 2, iPad Mini 3, and newer devices.

Learn more about how to set up Apple Pay™, view a list of available merchants, and more at foxcu.org/ apple-pay.

FINANCING

Know exactly where your money is going.

Let Fox help take the stress out of buying a vehicle!

Reduce your auto buying stress, save money on your vehicle purchase and love your new ride... seems impossible to have them all, right? Wrong! You can have a great auto buying experience with the help of Tom, our Auto Buying expert.

Contact Tom Kostac at 920.993.3705, tkostac@foxcu.org or by completing a “Find My Vehicle” request form at foxcu.org/auto-buying-service. www.foxcu.org

Keep your account safe with HJJV\U[ UV[PÄJH[PVUZ ([ -V_ [OLZL HYL ILZ[ \[PSPaLK ^OLU `V\ ZL[ \W `V\Y own eAlerts within Online Banking. You can get alerted via email or text when your: • Loan payment is due.

• Balance has fallen below a certain level.

• ACH transaction has posted to your account, and more!

Alerts like these could give you quick notice of suspicious activity on your account.

Visit foxcu.org/ealerts for more information.

Spring 2016 •

Fox Facts | 4

deposits every day because of the staff that they have. Itโ s a great bunch of people.โ ~ Dr. Tami Strom

Itโ s been 16-years since Crossroads Veterinary Clinic became a business member of Fox *VTT\UP[PLZ *YLKP[ <UPVU (UK [VKH` 6Mร JL 4HUHNLY 1VSLUL >HSKI\YNLY HUK 6^ULY +Y ;HTP :[YVT HNYLL [OL`ยปYL ^P[O -V_ MVY NVVK 6YPNPUHSS` \[PSPaPUN H [YHKP[PVUHS IHUR >HSKI\YNLY ILNHU L_WSVYPUN HS[LYUH[P]LZ K\L [V YPZPUN MLLZ :OL KPZJV]LYLK -V_ *VTT\UP[PLZ *YLKP[ <UPVU ZH]LK [OLT TVUL` ^P[O KYHZ[PJHSS` SV^LY MLLZ HUK [PTL ^P[O ZV THU` JVU]LUPLU[ SVJH[PVUZ 0U HKKP[PVU [V [OL [YLTLUKV\Z JVZ[ ZH]PUNZ -V_ยปZ 2PTILYS` IYHUJO ^HZ L_[YLTLS` JVU]LUPLU[ MVY THRPUN KHPS` KLWVZP[Z >HSKI\YNLY ZHPK VM [OL TV]L [V -V_ ยธ0[ ^HZ RPUK VM H UV IYHPULYยฏ HUK P[ยปZ ILLU H NYLH[ YLSH[PVUZOPW L]LY ZPUJL ยน :[YVT [VVR V^ULYZOPW VM [OL JSPUPJ PU 9LSVJH[PUN MYVT 4HKPZVU ZOL YLJHSSZ ^VYY`PUN HIV\[ ร UKPUN H SVJHS ร UHUJPHS WYV]PKLY MVY OLY UL^ I\ZPULZZ >VYY` [\YULK [V JVUร KLUJL [OV\NO HM[LY TLL[PUN ^P[O >HSKI\YNLY [V KPZJ\ZZ [OL JSPUPJยปZ SVUN Z[HUKPUN YLSH[PVUZOPW ^P[O -V_ *VTT\UP[PLZ *YLKP[ <UPVU ยธ;OL` ^LYL ZV [OYPSSLK ^P[O [OL ZLY]PJL HUK MLLZ ยน ZH`Z :[YVT ยธ0 OHK UL]LY H KV\I[ 0 ^V\SK JVU[PU\L [OL ZHTL YLSH[PVUZOPW ยน )L`VUK JVZ[ HUK JVU]LUPLUJL -V_ยปZ YLSH[PVUZOPW ^P[O *YVZZYVHKZ PZ MV\UKLK VU H ZOHYLK JVTTP[TLU[ [V WYV]PKPUN [OL OPNOLZ[ SL]LSZ VM ZLY]PJL HUK J\Z[VTLY JHYL ยธ0 LUQV` THRPUN [OL KLWVZP[Z L]LY` KH` ยน ZH`Z :[YVT ยธILJH\ZL VM [OL Z[HMM [OH[ [OL` OH]L 0[ยปZ H NYLH[ I\UJO VM WLVWSL ยน :[YVT HSZV SVVRZ MVY^HYK [V [OL PUMVYTH[PVUHS LTHPSZ HUK ^VYRZOVW VMMLYPUNZ HSS VM ^OPJO WYV]PKL UL^ PUZPNO[Z HUK NLULYH[L UL^ PKLHZ MVY THRPUN OLY I\ZPULZZ Z[YVUNLY >HSKI\YNLY HWWYLJPH[LZ H ร UHUJPHS WHY[ULY ^OV PZ LHZ` [V ^VYR ^P[O ยธ;OL HUZ^LYยปZ UL]LY ยบUV ยป >OLUL]LY ^Lยป]L OHK H YLX\LZ[ [OLYLยปZ HS^H`Z ILLU H ^H` [OL`ยป]L ILLU HISL [V THRL P[ OHWWLU ยน

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www.foxcu.org

:WYPUN ย Fox Facts | 5

Businessโ Best Friend

โ I enjoy making the

79th Annual Meeting!

When & Where

Courtesy Bus Pick Up Times

Sunday, May 1, 2016 Âť 2:30pm - Door opens

Two Rivers:

1515 17th St.

1:00pm

Manitowoc:

62 Maritime Dr.

1:15pm

Clintonville:

3 N. Main St.

1:15pm

Green Bay:

2170 S. Ashland Ave. 1:30pm

New London:

1302 N. Shawano St.

Âť 3:00 to 4:00pm - Meeting time

The Grand Meridian Âť 2621 N. Oneida Street, Appleton

1:35pm

Light hors dâ&#x20AC;&#x2122;oeurvres will be served and $1,500 in cash door prizes will be given away.

Why Attend?

As a member, you are an owner of the credit union. Âť At the Annual Meeting, you have a chance to learn how well the credit union

is doing and meet with credit union staff, the Board of Directors and other members. Youâ&#x20AC;&#x2122;ll also have a chance to ask questions. Âť

At the meeting each member who is at least 18 years of HNL HUK PZ [OL WYPTHY` ]V[PUN TLTILY Ă&#x201E;YZ[ UHTL VU [OL VOTE! account) is able to cast their vote in the Board of Directors election. The Board consists of nine fellow members, elected by the membership, who are entrusted with the responsibility of the general direction and control of the credit union. Learn more about absentee voting options by visiting foxcu.org/annual-meeting.

There is no charge to attend this meeting or ride a bus.

Reserve your seat today. Visit foxcu.org/annual-meeting or call Dianne at 920.993.3790.

www.foxcu.org

Spring 2016 â&#x20AC;˘

Fox Facts | 6

Identity theft is the fastest growing non-violent crime in North America

WHAT ARE THE WARNING SIGNS? • Unexpected withdrawals or charges listed in your bank or credit card statements.

• Errors in your credit report.

• Missing mail.

• Receiving unexpected bills and credit cards by mail.

• Problems accessing your email or online banking accounts.

• Calls from debt collectors regarding accounts that are not yours.

• Issues with medical insurance or inaccuracies in your health records.

• Receiving a notice from the government that multiple tax returns were ÄSLK PU `V\Y UHTL

It’s a Money Thing is a registered trademark of Currency Marketing Sources: Federal Trade Commission, Identity Theft Resource Center, Identity Theft Toolkit: How to Recover From and Avoid Identity Theft by John Lenardon.

www.foxcu.org

Get a shredder A personal shredder is a small investment that makes a huge difference. Bank statements, expired credit cards, phone and utility bills, ATM receipts, addressed envelopes, old boarding passes, email printouts, and resumes are just some of the things that should be destroyed before they make their way to your trash can or recycling bin.

Change up your PIN Do you unlock your phone with the same PIN you use at the ATM? If so, change it. Password protecting your phone is smart, but large touch screens make it easy for not-so-innocent bystanders to see what your number is as you LU[LY P[ WYV]PKPUN [OLT ^P[O H NVVK ÄYZ[ N\LZZ at your banking PINs.

#latergram Does your Instagram feed make it easy for others to tell when you’re out of the house or out of town for an extended period of time?

You might be providing identity thieves with the perfect opportunity to go for a mail grab.

Set your account to private, or make your location related posts a little less “insta”.

Slim down your wallet It’s time to clean out all those stray receipts and store cards you never use! If your wallet is lost or stolen, every extra item you carry gives identity thieves an extra chance to steal your information. Carry the bare minimum and keep the rest in a safe spot, especially your social security card, PINs and passwords!

Update your software New computer viruses are circulated every day.

The best way to stay ahead of the curve is to install YLN\SHY \WKH[LZ [V `V\Y ÄYL^HSS ZVM[^HYL `V\Y antivirus software, your operating system and even your mobile apps. Resist the urge to hit the “remind me later” button the next time it pops up.

Spring 2016 •

Fox Facts | 7

Prevent Identity Theft

5 EASY THINGS YOU CAN DO RIGHT NOW TO PREVENT IDENTITY THEFT

3401 E. Calumet Street Appleton, WI 54915

High Credit Card Balances Nipping at Your Nose?

Our Mission We at Fox Communities Credit Union have a commitment to enrich the quality of life for V\Y TLTILYZ [OYV\NO WLYZVUHSPaLK ÄUHUJPHS services.

The Credit Union is dedicated to the protection VM V\Y TLTILYZ» ÄUHUJPHS ^LSS ILPUN HUK [V operate in an economically sound manner.

The Credit Union will provide an atmosphere of professionalism, friendliness, and mutual trust.

We shall remain strong in the communities through our support and involvement.

By transferring $3,000 in credit card balances to Fox you could save $577 in interest!

Balance transfers and cash advances made

by March 31, 2016 will remain at 3.99% apr* until April 1, 2017.

Balance Transfers & Cash Advances With Your Fox Credit Card!

until *apr= annual percentage rate. Balance transfers and cash advances made 2/1/16 to 3/31/16 will remain at 3.99% until 4/1/17. On 4/1/17 the promotional rate will return to the apr disclosed at account opening, which ranges from 9.90% - 18.90% apr. No other fees apply.

Find Us: facebook.com/foxcu Follow Us: twitter.com/foxcu Watch Us: vimeo.com/foxcu Call Us: Appleton - 920.993.9000 Black Creek - 920.984.4200 Clintonville - 715.823.2191 Green Bay - 920.490.2900 Manitowoc - 920.682.6946 New London - 920.982.9420 Oshkosh - 920.233.2890 Two Rivers - 920.793.1700

www.foxcu.org Federally insured by NCUA. Equal Housing Opportunity.