Cornerstone to Hold Annual Meeting and Election Cornerstone Celebrates 60! Borrow from Cornerstone Community FCU. Buy from Enterprise Car Sales. OASIS Is Getting a New Look Try MoneyDesktop Today
IN YOUR CORNER
CONTENTS:
MARCH 2017 VOLUME 26 • NUMBER 1
As a Cornerstone member, you are more than an account holder, you are actually a part-owner of our credit union. Your membership includes the right to attend our Annual Meeting and vote for representation on our Board of Directors. The Annual Meeting also gives you the opportunity to hear about the health of our credit union and to ask questions of our Board and management. This year’s Annual Meeting will be held at the Cornell Cooperative Extension on Sunday, April 2. The doors will open at noon, and the meeting will start at 2:00 p.m. There will be an election for our Board of Directors this year. Voting will take place on two different dates: March 18 at our Stevens Street Branch, located at 55 Stevens Street in Lockport, from 11:00 a.m. – 4:00 p.m. April 2 at the Cornell Cooperative Extension, 4487 Lake Avenue in Lockport, from 11:00 a.m. – 2:00 p.m. Information on each candidate can be found on our website at www.CCFCU.org. Voting results will be announced at the Annual Meeting. Please contact us at info@ccfcu.org with any questions or call 1-716-434-2290. We hope to see you there!
Cornerstone to Hold Annual Meeting and Election
We’re thankful to have served you for these last 60 years and hope that we’ve impacted your life for the better. We’re excited to see how the credit union will grow and change, and we look forward to the next 60 years!
Cornerstone Celebrates 60!
This year at Cornerstone Community Federal Credit Union – we celebrate 60 years of history A history started in 1957 by a group of men from the Harrison Radiator plant who saw a great opportunity to help others. We celebrate 60 years of service, treating our members with respect and compassion. Being there for them in good times and helping them through the bad. Doing what we can to improve lives and make dreams come true. We also celebrate the future, carrying on the credit union tradition of “People Helping People.” Being here for the next generation of credit union members, and helping them along their path in life. We are so thankful to the members who have put their faith in us and allowed us to help them achieve their dreams. Cornerstone exists for just one reason: people. As we celebrate this milestone in our history, we look back over 60 years of commitment to our members. We’re proud of our history and all that we’ve accomplished — from those humble beginnings back in 1957 to the five branches we have throughout Niagara County today.
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Borrow from Cornerstone Community FCU. Buy from Enterprise Car Sales.
You know that Cornerstone Community FCU is a great place to finance an auto loan at some of the most competitive rates around. But did you know that Enterprise Car Sales is different from buying from anyone else? Every vehicle they sell is rigorously inspected by an ASE-certified technician and comes with a 12-month/12,000-mile limited powertrain warranty.* Plus, if you buy a vehicle from Enterprise and it doesn’t meet your approval, they’ll buy it back, no questions asked.** It’s like a Happiness Guarantee.SM Your credit union and Enterprise Car Sales…the best way to buy and finance your next vehicle. Now through March 31, get a rate discount of 1.00%,1 for rates as low as 1.00% APR,2 when you finance an Enterprise vehicle with Cornerstone Community FCU. Fine print: Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. All vehicle inventory is available by visiting enterprisecarsales.com or an Enterprise Car Sales location and asking for assistance in finding an available vehicle in Enterprise Car Sales’ nationwide inventory. Delivery of vehicles outside local area may require transfer fee. *Limited Warranty begins on the vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. For details, see an Enterprise Sales Consultant. **For a period of seven days after the date of purchase or 1,000 miles beyond the odometer reading at purchase, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Sales Consultant. 1Get a 1.00% rate discount with purchase at Enterprise Car Sales - Buffalo. Auto Loan application must be submitted at the Buffalo Enterprise Car Sales office to qualify for the rate discount. Financing for qualified Cornerstone Community Federal Credit Union members. Restrictions apply. This offer cannot be combined with any other offer. Offer valid only on Enterprise Car Sales vehicles purchased February 1 – March 31, 2017. 2APR=Annual Percentage Rate. Rates as low as 1.00% APR for up to 36 months. Other rates and terms available. 100% Financing available including Tax, Title and License. Financing for qualified Cornerstone Community Federal Credit Union members. Not all buyers will qualify. Actual rate may vary based on credit worthiness. Offer valid only on Enterprise Car Sales vehicles purchased February 1 –March 31, 2017.
For more information, visit our website at www.CCFCU.org or call 1-716-434-2290.
This spring, Cornerstone’s online banking program – OASIS – is getting an upgrade! When you log in, you will notice the new look. But don’t worry, all the features you use will still be there, such as account balances and transaction history, BillPay, eDocuments and more. If you currently use OASIS, you will continue to use the same user ID and password that you have now. If you are trying OASIS for the first time, you will use your member number as your login and the last four digits of your Social Security number as your password. You will then be prompted to create a new login and password.
OASIS Is Getting a New Look
When you want to check your account balances, you usually have to log in to a bunch of different websites to find your various checking and credit card accounts. Wouldn’t it be great if you could log in to just one site and check all of your accounts? Well, now you can. Our online banking program offers a product call MoneyDesktop. This product has the ability to organize information from many different financial institutions into one secure spot. MoneyDesktop gives you great tools to manage your finances. Check out these helpful options! Bubble Budgets MoneyDesktop delivers a better way to budget. Visualize and interact with your budgets in a more meaningful way – using bubbles! Since not all budgets are created equal, using circles or “bubbles” to represent budgets allows you to quickly identify budgets that need the most attention. At a glance, you will be able to determine the following about a budget: State/status (color), whether over, under or near budget Relative value (size) Spending progress (meter) Relationship to other budgets Expense Tracking Don’t just track spending; Know your spending! Get powerful insights on where, when and how you spend. MoneyDesktop automatically categorizes and tracks spending from all your accounts, so you can see where your money is really going. Unlike other spending pies, MoneyDesktop 4.0 reinforces the parent-child relationship of categories, giving you in-depth insights into your spending habits. Debt Management MoneyDesktop allows you to create a customized financial plan that fits your lifestyle. It also helps you stay on track with a financial GPS that keeps you on the path to financial freedom and well-being. MoneyDesktop includes data visualization that reflects debt details more accurately – allowing you to quickly see which debts are being paid down and for how long. At some point in our lives, most of us have borrowed beyond our means. If you’re in over your head, MoneyDesktop is designed to give you step-by-step instructions for how to get out of debt and stay out for good. Log in to OASIS online banking to start using MoneyDesktop today!
T R Y MoneyDesktop T O D A Y
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HOLIDAY CLOSINGS
Main Office 6485 South Transit Road Lockport, NY 14094 Lewiston 721 Center Street Lewiston, NY 14092 Lockport 55 Stevens Street Lockport, NY 14094 Middleport 5 State Street Middleport, NY 14105 North Tonawanda 107 Main Street North Tonawanda, NY 14120
PHONE NUMBERS 1-800-488-6481 | 1-716-434-2290
VITAL SIGNS
PCA Ratio: Ratio
7.250%
Number of Members:
48,615
Total Assets: AAssets
$398,200,861.16
Loans Outstanding:
$232,176,383.53
Number of Loans: of Loans
26,540
As of January 31, 2017
We will be closed on: Memorial Day Monday, May 29
CORNERSTONE LOCATIONS
Federally Insured by NCUA
