Over 517 Total Hours Volunteered in the Second Quarter

We are proud to announce that our Community Impact Team has logged over 517 hours in the second quarter. That brings our running total to 995 hours halfway through 2010! 

From volunteering and fundraising for the Angel Food Ministries to Child and Family Service to the Walk MS, we would like to thank the many friends & family of Team One who joined us in our effort to better the communities we share and serve.

Team One Credit Union Awards Scholarships to Area Students

The Team One Credit Union Scholarship program provides scholarship opportunities to high school seniors who will be attending college. This year, we are proud to award scholarships to the following students:

• Kate Bumhoffer (Laker High School)
• Austin Culver (Hemlock High School)
• Lauren Hagarty (Hemlock High School)
• Emily Joles (Unionville-Sebewaing High School)
• Mindy Langhorne (Carrollton High School)
• Allison Nicol (Birch Run High School)
• Stephanie Osantoski (Bad Axe High School)
• Nicholas Sadro (Ubly High School)
• Tyler Verdusco (Heritage High School)
• Alexander Yang (Heritage High School)

To be eligible to apply for a Team One Credit Union Scholarship, applicants must be a member of the credit union. Interested high school senior applicants can obtain a scholarship application online at www.saginawfoundation.org beginning mid-December. The Saginaw Community Foundation administers all Team One scholarships.

Contact your Congressional Representative TODAY to Protect your Credit Union Debit Card Service

Currently there is important legislation pending in Congress that may adversely affect your credit union debit card and we need your help to stop it.

What's at issue: Retailers are currently asking Congress to shift their cost of doing business to you by reducing their fair share of the card payment system. If the retailers are successful and this legislation passes, you could soon be paying a surcharge for using your debit card to make purchases.

Please take action TODAY to protect your credit union debit card by contacting your state representatives and urging them to oppose inclusion of the Senate-passed Interchange Amendment in the Financial Regulatory Reform Bill.

A prewritten letter is available for your use at the Credit Union Grassroots Action Center where you can personalize and send an email or print and fax a letter to your legislators based on the ZIP code that you enter. Or you can call 1-877-223-5275 and input your ZIP code to be directed to your Congressional Representative.

Thank you for your continued support of Team One Credit Union and for taking action to protect your credit union services.

Show how much you love Team One!

The 2010 “Best of the Best” Reader’s Choice awards presented by The Saginaw News are being held exclusively online line this year. Show how much you love Team One by voting Team One as your favorite ‘Credit Union’. And tell your friends and family to vote for Team One too!

Click here to complete the “Best of the Best” ballot.

Happy Veterans Day and Thank You!

Team One would like to salute and honor the military veterans and the families of veterans who have and continue to serve.

Happy Veterans Day and Thank You!

History of Veterans Day [va.gov]

"Green" House Project

Team One Credit Union and the Mid-Michigan Chapter of Credit Unions are proud to announce that we are sponsoring Habitat for Humanity's first deconstruct/reconstruct "green" house project!

The house, located at 1825 Lessur St, will be deconstructed inside and out, and then reconstructed using "green" and energy efficient resources. A Saginaw area family will be the recipient of the house.

Become a fan, follow our progress, and check out photos and videos of this "green" house project plus money-saving tips for your home on www.facebook.com/teamonecu.

September Design Contest Winners!

Congratulations to Kathryn (Saginaw), David (Caseville), and Nicholas (Saginaw) for being our PictureMyCard™ design contest winners for September! They each won a $50 Visa gift card for submitting their unique card designs.

View the winning designs.

Join the contest by designing your own personalized Visa Card at picturemycard.com.

Check out other cool card designs that Members have submitted.

Join us on Facebook

We've launched our very own Facebook page!

We're still in the beginning phase of building our page, so Become a Fan to stay updated on our latest contests, promotions, discussions, announcements, and the latest events of your credit union.

For a limited time we will have random prize drawings for our new fans!

Click here to join us on Facebook »

Team One will always provide responsible credit cards

With all the news about the new credit card rate legislation coming from Washington, we thought it was a good time to remind you that Team One has never mistreated our Members like many of the banks and credit card issuers have. Many unsuspecting consumers have been victimized by unfair rate hikes, fees, penalty charges and misleading fine print of these institutions.

Rest assured that our goal is to continue to provide credit cards that our members can use responsibly and continue to afford. We will always keep you informed of any changes to your credit card and never charge excessive penalties or fees.

Your Visa Card designed by You!

Do you have a favorite photo of your family or pet? Maybe of a special event or from a recent vacation? Well soon you will be able to add any of these photos to your Team One Visa Platinum or Check Card with our new card personalization option!

Stay tuned for more information about this exciting new program coming soon!

Social Media 101

Everyday and everywhere we hear and see the words, "facebook" and "twitter" as well as countless other social media "hotspots". For those who haven't, you may be wondering what exactly are social media websites? They are a fusion of sociology and technology which has transformed people from being the readers of contents to the publishers. It allows people from all over the world to connect with each other online to form relationships for personal or professional reasons.

Here is a list with a brief description for each of the more popular social networking websites and services available today.

Blog
Blog is a combination of the words Web and log. It is a website, like the one you are reading now, with regular entries of commentary, descriptions of events, or other material such as images and videos.

Twitter [twitter.com]
Twitter is a micro-blogging service through which people communicate via updates known as "tweets". Tweets are text-based posts of up to 140 characters in length.

Facebook [facebook.com]
Facebook is a website where users can join networks organized by city, workplace, school, and region to connect and interact with others. Users can send messages and update their personal profiles to notify friends about themselves.

Our Facebook Page: Join us on Facebook.

MySpace [myspace.com]
MySpace is a website with an interactive, user-submitted network of friends, blogs, groups, photos, music, and videos for all age groups internationally.

Flickr [flickr.com]
Flickr is an image and video hosting website and online community platform. It is a popular website for users to share personal photographs as well as a service widely used by bloggers as a photo gallery.

Check out our Flickr page. flickr.com/teamonecu

YouTube [youtube.com]
YouTube is a popular video sharing website where users can upload, view and share video clips.

We'll be adding some more videos soon on our YouTube page: youtube.com/teamonecu

Mother's Day Basket Drawing Winner

Thank you to all the members who participated in our online Mother's Day Basket Drawing.

Mary from Kingston was our winner! She won a summer tote bag filled with many Team One items, plus Bath and Body Works lotions and Dove Chocolates! Congratulations, Mary!

Watch for more online drawings to come.

Team One Credit Union Receives Award from United Way

In conjunction with National Volunteer Week, The United Way of Saginaw County recognized Team One's commitment to the community at its 2009 LIVE UNITED Community Awards Breakfast on April 23 at Horizons Conference Center in Saginaw Township.

Team One Credit Union’s Community Impact Team was awarded the Thomas J. Hetherman Award for community service by the United Way. The award is a tribute to the late Thomas J. Hetherman, a United Way president and chief executive officer.

"I’m so proud of our employees for their dedication to volunteering in the community and in their support of the United Way which sponsors so many local, worthwhile programs" said Konnie Werner, Team One Credit Union President/CEO.

In 2008, the Community Impact Team logged over 1,100 hours of community service through programs and events such as Habitat for Humanity, Walk MS, American Cancer Society and Adopt-A-Highway and is well on its way to surpassing that total in 2009. In addition, the staff at Team One donated over $8,300 to the United Way's Annual Campaign.

See our Community Impact Team Blog for more events and photos.

CU@Home, SPEEDY, and Website offline for scheduled maintenance and upgrade

On Wednesday, April 22 from 7:30 am - 8:00 am, CU@Home, SPEEDY & our website will be unavailable due to scheduled maintenance and upgrade.

We apologize for any inconvenience this may cause.

We have money to lend and great rates on the loans you need!

By Carole Trier, Senior VP of Lending Services

Team One Credit Union remains a safe, secure place for all of your borrowing and saving needs. You may have heard in the news recently that in response to the current economy, some financial institutions have been tightening their lending, making it harder for people to obtain a loan.

I would like you to know that at Team One, we proudly continue to provide the financing that our members need! Our team of professionals takes the time to get to know you, listen to your needs and goals, and help you make the best financial decisions based on their individual situation.

If you are looking for a Mortgage Loan, Auto Loan, Business Loan or Debt Consolidation Loan, give us the opportunity to prove that partnering with Team One is the best option for you and your family. Stop in or call us today at 989.754.6575.

Corporate Credit Unions

By Konnie M. Werner, President/CEO

You may have heard in the news that two credit unions (U.S. Central Federal Credit Union, Kansas and WesCorp Federal Credit Union, California) were taken over by the National Credit Union Administration (NCUA) on Friday, March 20. This was a result of accounting losses related to mortgage-backed securities investments. It is important to note these “corporate” credit unions in Kansas and California do not serve individual consumers.

We want to reassure you that these events do not impact the safety and soundness of Team One Credit Union. Our service to you is not affected by these government actions.

As a reminder, your funds are insured up to $250,000 by the National Credit Union Share Insurance Fund. No credit union member has ever lost a penny of federally insured funds.

For further reading, please be sure to take a moment to read this article from CNN Money, Credit union members: Don't panic.

We will continue to offer the most competitive rates and quality service so that our members can feel secure bringing their financial needs to us.

CU@Home and SPEEDY Service Availability

Please note that CU@Home and SPEEDY will be unavailable between the hours of 7:00 pm and 11:00 pm on Wednesday, February 11th due to software upgrades. We apologize for the inconvenience that this may cause. If you have any questions, please feel free to contact us.

Thank you for your continued patronage.

Recent Card Data Breach

We have been notified that some Member's Credit and Debit Card Accounts have been compromised by unauthorized individuals who gained access to account numbers through a payment systems company, possibly for the intention of fraudulent activity.

We have been assured that the compromised data did NOT contain cardholder Social Security numbers, unencrypted personal identification numbers (PIN), addresses or telephone numbers.

Members whose cards were affected will be notified by mail and a new card with a different number will be issued. Please note, this does not necessarily mean that fraudulent activity has taken place. Please be sure to monitor the activity on your accounts regularly and report any suspicious activity to Team One Credit Union at 989.754.6575.

For more information, please visit our Compromised Card Q & A page.

Bills@Home Service Availability

FYI for our members who use the Bills@Home through CU@Home online banking:

Due to severe weather over the last several days, iPay, our Bills@Home service provider located in Elizabethtown, KY, is reporting that some members, depending upon their location, “may experience intermittent issues when accessing bill pay sites. All payments have processed and will continue to process as usual.”

On behalf of iPay, we apologize for any inconvenience you may have experienced with the online bill pay service.

iPay's customer support can be reached at 1-866-696-3580.

Chrysler - Cruise into Cash Back

Chrysler has joined GM in offering a special "Invest in America" discount program for our members!

Current and new credit union members can receive up to $1,000 in bonus cash incentives on certain models of Chrysler, Dodge, and Jeep vehicles. Plus, the Credit Union Member Cash program can be combined with most current incentives to add to your savings!

And when you finance your new vehicle with us, you’ll be saving even more with our fantastically low auto loan rates starting at 5.49% APR*. On average, a new vehicle loan through your credit union is 1% lower than at other financial institutions. Another great reason to Invest in America. Call or visit us today to get pre-approved before you visit a dealership to save time & money!

For details, including our latest rates and links for more details on this special discount offer, visit our Invest in America webpage.

* Rate listed represents our best rate and is based on credit history. To determine your rate, please contact the credit union.