Member NewsOctober 2014

MAIN OFFICE1810 Williamsburg Pike, Richmond IN 47374Phone/Sybil Touchtone Teller/Fax: (765) 962-3172Office Hours: Monday-Friday 9:00am to 5:00pmFull-Service Drive-Thru Hours:Monday-Friday 8:30am to 6:00pm

BRANCH OFFICE@ Fayette Regional Health System1941 Virginia Avenue, Connersville IN 47331(765) 827-7724 Office Hours: Mon, Tues 9:00am to 4:30pmThurs, Fri 9:00am to 5:30pm. Closed Wednesday.

Christmas Club Savings Account:Christmas Club accounts with have open withdrawal from Oct 1, 2014 - Dec 31, 2014. You might recall, we no longer disperse checks for this account but have open withdrawal for easy access to your funds during this time period. Would you still prefer to receive a check or have questions? Call Belinda at 765-962-3172 ext 102.

Save for 2015According to the American Research Group - the average American family spends $801 on the holidays. You can plan ahead for 2015 and set aside a few dollars each payday. Consider opening a Christmas Club Savings account. Opening deposit is just $1 to get you started. Stop in to see us or call Belinda at 765-962-3172 ext 102.

Christmas Loans Christmas Loans are now available! Oct 1, 2014 - Dec 12, 2014. • Up to $1000.00 at 8.9% APR• Up to 1 year to repay• Rates and terms based on credit worthiness

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In this Issue:• Christmas Club & Loan• Member Appreciation Days• Visa Credit Card• Skip A Payment• 3rd Quarter Rates• Closing Dates• Tips for Young Adults• Mobile Alerts / Banking

Board of Directors

Board ChairmanThomas E. HerrmanRetired / Reid Hospital

Assistant Board ChairmanTimothy M. LoveReid Hospital

Board Financial OfficerBelinda A. SuggsFayette Regional

Board Security OfficerDaulphine E. DayCaroleton Manor

Board SecretarySteven A. GardinerLW Clinton & Associates

REPORT LOST OR STOLEN CARDS: If you discover that your debit or credit card has been lost, stolen or compromised, report it to us immediately.

VISA DEBIT CARD: 1-800-523-4175

VISA CREDIT CARD: 1-800-556-5678

Visa Credit Card w/Rewards• Starting at 9.25% APR* • 2.9% APR on balance transfers*• Acceptance at 20 million+ locations worldwide• No cost travel protection

*Rates based on credit worthiness

Application available online: hcpfcu.org/myvisaor call Jana at 765-962-3172 ext. 108.

Member Appreciation DaysThursday October 16 and Friday October 17Crowe Shredding will be at our Richmond Branch with free live shredding of your personal documents on Friday, October 17, 2014 from 4-6pm

Redeem this voucher for one FREE

FINANCIAL SANITY WORKBOOKFilled with ideas to help you build, maintain and model healthy money habits.Available in two themes: Adult or Teen • Supplies Limited • Expires October 17, 2014.

Third Quarter Savings RatesDividends paid for the 3rd quarter of 2014 are as follows: Rate APYRegular Shares under $1000 .10% .10% $1000 and over .20% .20%Share Drafts .00% .00%Christmas Clubs .20% .20%Dividends are based on credit union earnings, andtherefore cannot be stated in advance.

Current rates for Individual Retirement Accounts are as follows: Rate APYUnder $2000 .25% .25%Over $2000 .50% .50%

APY = Annual Percentage YieldMembers may contact Health Care ProfessionalsFederal Credit Union for information about fees and terms on any credit union account.

Connect with us online: twitter.com/hcpfcu facebook.com/hcpfcu

Branch Closing Dates:Mon Oct 13 Columbus DayTue Nov 11 Veterans DayThur Nov 27 Thanksgiving Fri Nov 28 Thanksgiving(Connersville Branch open 9am-5:30pm Wed., Nov 26)Wed Dec 24 Closing 1:00pmThur Dec 25 Christmas DayThur Jan 1 New Years Day

Banking App Now Available for iOS, Android or Kindle! Get The App: • Search for “Perfect Teller” in the app store.• or Visit hcpfcu.org/mobileapps• On initial install - you will need to enter our

Credit Union ID: 2221322213

SIGN UP FOR ACCOUNT ALERTS Receive text and/or email alerts when your checking account is overdrawn.

How to Sign up: • Visit hcpfcu.org/accountalerts • or See us at either branch

Savings Tips for Young AdultsMany people starting out in their careers find themselves burdened with debt (perhaps from student loans, credit cards, and car loans) and very little savings for future needs. What can you do to prepare?

Save for specific goals. Create a savings plan for large future expenses that you anticipate — perhaps education costs, a home or car purchase, or starting a small business.

Build an emergency fund. This fund should cover at least six months of living expenses to help get through a difficult time, such as a job loss, major car repairs, or unexpected medical expenses not covered by insurance. Be sure to develop a plan to replenish any withdrawals from your emergency fund.

Commit to saving money regularly. Aim to save a minimum of 10% of any money you earn or receive. Putting aside a designated amount is known as “paying yourself first,” because you are saving before you’re tempted to spend.

Put your savings on auto-pilot. Make saving money quick and easy by having your employer direct-deposit part of your paycheck into your credit union account.

Think about ways to cut your expenses and add more to savings. More broadly, look at your monthly expenses for everything from food to phones and think about ways to save.

Derived from http://www.mycreditunion.gov