October 2021
Accelerate Your Home Loan Program
2.99% - 3.25% APR
15-Year Mortgage Refinance Special1
2.50% APR
Learn More or Get Pre-qualified Today
APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. NCUA Insured. Equal Housing Lender. NMLS #405711.Before you know it, you'll be wishing your friends and family a Happy Thanksgiving, Merry Christmas, Happy Hanukkah, or all-around joyous holiday season. With as much joy as the holidays bring, we understand that bringing joy takes a bit of work. If you need a helping hand with your festivities or more financial wiggle room during the holidays, we're here to help.
With a Christmas Loan from Members First, you can borrow up to $2,000 for up to 12 months to spend on gifts for your loved ones, travel, a feast for family and friends, and more.
Subject to credit approval. Rates and terms are based on individual credit worthiness. Rates subject to change without notice. Christmas Loans available October - February. NCUA Insured.
Honoring Employees Who Have Reached A Milestone In Their Careers.
PRIVACY NOTICE: Members First Credit Union of Florida's Privacy Notice can be found on our website at membersfirstfl.org/privacy. There have been no changes to our Privacy Notice. You can request a copy of our Privacy Notice by calling (850) 434-2211.
YOUR BILLING RIGHTS: This notice tells you about your rights and responsibilities under the Fair Credit Billing Act.
WHAT TO DO IF THERE IS A MISTAKE ON YOUR STATEMENT
If you think there is an error in your statement, write to us at:
Members First Credit Union of Florida
PO Box 12983, Pensacola, FL 32591-2983
www.membersfirstfl.org
In your letter, give us the following information:
You must contact us:
You must notify us of any potential errors in writing [or electronically]. You may call us; but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question.
WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
When we receive your letter, we must do two things:
While we investigate whether or not there has been an error:
After we finish our investigation, one of two things will happen:
If you receive our explanation, but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow the rules above, you do not have to pay the first $50 of the amount you question, even if your bill is correct.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
If all the criteria above are met, and you are still dissatisfied with the purchase, contact us in writing [or electronically] at:
Members First Credit Union of Florida
PO Box 12983, Pensacola, FL 32591-2983
www.membersfirstfl.org
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe any amount and you do not pay, we may report you delinquent.
Help us work to recharge the coin circulation in the United States. Since 2019, cash transactions have decreased significantly. Returning coins into circulation will make a meaningful difference for millions of American people and businesses that rely on coins to support cash transactions.
What can you do to help?
Bring the change you've saved in your piggy bank or coin jar, pants pockets, car cup holders, and couch cushions to one of our branch locations. We are offering FREE coin counting for members at our coin machines at the following branch locations:
Once the coin is counted, you can get cash back, deposit the sum into your Members First account, or use it to pay a bill.
Already Have A Credit Card With Members First? You Could Score Big!
Happening Now through October 31, 2021, you'll be entered for a chance to win from 25,000 - 1,000,000 Credit Card Rewards Points. Plus, every purchase you make with your Members First credit card gives you an additional entry for a chance to win.
The prizes include:
No purchase necessary. Open to legal residents of the 50 U.S./D.C., age 18+, that are cardholders in good standing with one (1) of the participating financial institutions and enrolled in the ScoreCard® branded program as of July 31, 2021. Void outside the 50 U.S./D.C. and where prohibited. Ends 10/31/21.
Join Us In Supporting Everyday Heroes
Now through November 30, 2021, for every purchase you make with your Members First credit card, we will make a $0.01 donation to Operation Gratitude on your behalf.
From September 1, 2021 to November 30, 2021, each time you use your credit card, Trellance is donating $0.01 per transaction to Operation Gratitude, up to $25,000. Operation Gratitude's mission is to forge strong bonds between Americans and their Military and First Responder heroes through volunteer service projects, acts of gratitude, and meaningful engagements in communities nationwide. For more information about Operation Gratitude, visit www.operationgratitude.com
Insurance: Simple, Straightforward, Budget-Friendly.
Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind.
Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, auto, accidental death and dismemberment coverage, and more.
Get a quote or explore your options at TruStage.com.
© Copyright 2020, TruStage. All Rights Reserved.
TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
GEN-2944047.1
It's a good time to think of the Credit Union's future as we approach our annual elections. If you're a member of Members First, you have the privilege of participating in this year's election. The election process allows you to have a voice in your financial future.
How Officials Are Nominated
The Board of Directors must take the first appointing the Nominating Committee for the 2022 Election of Officials. This year's Nominating Committee:
Bill Farinas, Chairperson
Charlotte Schipman
Jack Marmash
It is the responsibility of the Nominating Committee to nominate at least one qualified candidate for each vacancy on the Board of Directors.
Board of Directors Terms Expiring (vaccancies with 3-year terms):
Dr. Clarence Ladner
Theresa McCants
Kathy Terrell
Each nominee must meet certain qualifications which include being a member in good standing, being at least 21 years of age, and being a member since November 30, 2020. If a member meets these qualifications and desires to run for the Board of Directors, but is not nominated by the Committee, that member may still run by means of petition by following the policy as set forth by the Board of Directors. First, an Official Forms Packet may be picked up from Management at the Downtown Branch; then, at least 100 signatures of members must be acquired; and, finally, the petition and forms must be filed with Management. They must be filed at 251 W. Garden Street, before 4:30PM, Tuesday, November 30, 2021.
Nominees For The 2022 Election
Below are the nominees for the Board of Directors. Three 3-year vacancies will be filled.
Dr. Clarence Ladner
Theresa McCants
Kathy Terrell
The Ballot Process
All nominees' names are presented to the Board of Directors for certification before they are recognized as official candidates. Following certification of the candidates, all Credit Union members 18 years of age or older will receive the necessary information to vote in the 2022 Election of Officials. All voting information will be included with the newsletter and statement distributed in early January. A nominee fact sheet will be printed inside the January newsletter that provides a brief biographical sketch and a qualification outline of each candidate running for office. The Board of Directors will appoint a Ballot Committee to oversee the ballot procedures and ensure the validity of the election. The majority will determine the results of the balloting, and the outcome will be announced at the Members First Credit Union's 68th Annual Meeting. If there is only one nominee for each vacancy, the election will not be conducted by ballot, and there will be no nominations taken from the floor at the Annual Meeting.
Protect Your Money And Yourself From Fraud With CardValet®.
With the CardValet® App, you can save time and rest easy by controlling your Members First debit card with the phone in your pocket.
Learn More & Download CardValet®
CardValet is a registered trademark of Fiserv, Inc. or its affiliates. Copyright © 2021 Members First Credit Union of Florida. All rights reserved.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act. NMLS# 405711. APR = Annual Percentage Rate. APY = Annual Percentage Yield. All offers subject to credit approval.
Notice: "Current Living" is an official publication of Members First Credit Union of Florida, and it serves as an official notice to the Credit Union membership of matters contained within.
Holiday Hours
All offices will be closed on the following dates:
Monday, October 11 — Columbus Day
Thursday, November 11 — Veterans' Day
Thursday, November 25 — Thanksgiving Day
Friday, November 26 — Day After Thanksgiving
Friday, December 24 — Christmas Eve Day
Saturday, December 25 — Christmas Day
Friday, December 31 — New Year's Eve
Saturday, January 1 — New Year's Day