Second Quarter • Vol 49 • No.2
Published quarterly by ORNL Federal Credit Union
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• Keep Your Debit & Credit Cards Safe and Secure • Home Buying Made Easy!
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• Dogwood Arts Festival Information & Calendar of Events
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• Community Cash Mobs • Save Up to $15 on TurboTax® • Upcoming Events & Holidays
April is National Financial Literacy Month A
pril 1st is the official start of National Financial Literacy Month. Many consumers, some for the first time, are living in a down economy. The monthlong initiative offers an opportunity for individuals to learn about finances and effective strategy to better their overall financial situation. The effort started in 2003 when the United States Senate declared the month of April National Financial Literacy Month. Financial Literacy Month is the perfect opportunity for individuals and families to change their financial situation by learning about important financial matters like creating and managing a budget, paying down debt while saving for emergencies and creating achievable financial goals. Parents have an opportunity to set good examples for their children and begin teaching them smart money habits early. Over 58 percent of students surveyed said they learned about personal finance and money management from their parents. Here at ORNL Federal Credit Union, we care about your financial future. We are committed to bringing you the financial education you need to reach your financial goals and helping you develop a healthier relationship with your money. Visit ornlfcu.com for more information and resources available to help you make the most of your money whether you’re a student, young adult, parent, senior citizen, or military service member.
ORNL Federal Credit Union is happy to provide members with a safer and
Vacation Savings Payout
more convenient way to select and change their Personal Identification Number (PIN) on their ORNL FCU Visa Check Card, including cards that provide access to Health Savings Account (HSA) funds. Effective March 19th,
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o all ORNL FCU members who have Vacation Savings on their Credit Union accounts: Any balance, including interest, from your Vacation Savings will be transferred to the share you designated on April 30, 2014 . All deposits made to these shares after this date are considered savings for the 2015 payout and will be transferred accordingly next year. If you have any questions or would like to check your balance, feel free to visit any branch, dial 800.676.5328, or log in to your Online Banking account at ornlfcu.com.
PIN information is no longer being sent by mail to card holders. Instead, new cards will be labeled with instructions permitting card holders to select their PIN by phone. It’s easy! Simply contact the toll-free number provided on the label, provide identifying information and create the PIN at your convenience. This feature will also be available to card holders who desire to change an existing PIN. To change an existing PIN, dial 866.985.2273 to be guided through the process. Both options are available 24 hours a day, seven days a week.
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How to Keep Your Debit and Credit Cards Safe and Secure
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ith the recent debit and credit card compromises at large, national retailers, it is important for all members to be aware of what to do in the event of a card compromise. First and foremost, member accounts at ORNL Federal Credit Union are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity. We employ the most advanced fraud detection and prevention technology to guard members’ credit and debit accounts against unauthorized access and use. Often in a breach, personal information may be stolen such as names, mailing addresses, phone numbers and email addresses. While this does not directly impact debit or credit cards, it is important to understand that this type of information is often used in telephone, email, mail and online scams. It is important to safeguard personal information and NEVER provide it at the request of a call, letter, email link or screen alert. ORNL FCU will NEVER contact you and request your personal information, including account information.
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NEVER respond to a text request for personal information. We will not send text messages requesting personal or account information.
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NEVER use phone numbers, email addresses, or open Web links or attachments within an email that you are not expecting from the Credit Union. Email communications may appear official, but often they are not. When in doubt, contact our Call Center at 800.676.5328 to confirm that we originated the communication. Do not reply or click links until the communication is validated.
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ALWAYS validate and confirm numbers through a source other than those provided by a caller, email or letter. Letters may be generated that appear to be from ORNL Federal Credit Union. Be especially mindful of communications that request personal information or make offers via links that are not legitimate. Remember, we never request your personal information. If you receive a letter requesting a reply or information update that you are not expecting, do not respond without contacting ORNL FCU.
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Report any suspicious requests via email, text or Web site content asking for this information. Immediately contact ORNL Federal Credit Union and report the incident by calling 865.688.9555, tollfree 800.676.5328, or by emailing us at abuse@ornlfcu.com.
Tips for safeguarding your information:
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NEVER use a number provided by a caller. Scam artists are convincing and use pieces of information to convince consumers that they are calling for legitimate purposes. If you receive a call requesting personal information, hang up. You can initiate a call back to the Credit Union. Always use a number that you obtain from a business directory or online at ornlfcu.com.
We always recommend that you take proactive measures to protect your account(s) including: • Review your account(s) on a regular basis to confirm that all transactions are legitimate and were authorized by you or another account owner. You can monitor your accounts and transactions easily through online, mobile or telephone banking. Transactions through these selfservice channels are available 24/7 and provide up-to-date balance and transaction information. In addition, signing up for eStatements provides access to statement information faster and more securely than paper statements. • Report any suspicious transactions immediately by contacting the number on the back of your card to report any fraudulent transactions. • Ensure that ORNL Federal Credit Union has your current contact information including mailing address, email address and telephone numbers. We make every effort to contact members that may need direct assistance and often email and telephone are the quickest and most effective channels to contact members. To update your information sign in to online or mobile banking or call 865.688.9555. We remain committed to you and the security of your accounts and private information. Please contact us directly if we may assist you further at 800.676.5328.
Home Buying Made Easy! We know buying a home can be an exciting, yet sometimes painful process. That’s why ORNL Federal Credit Union wants to help make it as simple and stress-free as possible for you. One of our mortgage loan officers will walk you through your entire home-buying experience—from selecting the right financing option to even helping you find your new home with our realty assistance program. ORNL FCU offers fast approvals and various rate and term options to fit your needs and your lifestyle, including conventional financing, vacant land loans, and home equity lines of credit. And because we value building personal relationships with members, all processing and underwriting of your mortgage is done locally, with loan servicing rights held by ORNL FCU. As the community’s local, trustworthy lender for over 65 years, ORNL FCU is here to help you and your family. Call on us today—we can help! For more information about any of our mortgage products or services, please call 800.676.5328 or stop by any of our 32 convenient branch locations. *Terms may vary based on selected product(s), credit rating, and acreage. Other restrictions may apply. Please speak with a credit union loan representative for full details.
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Dogwood Arts: Celebrating our region’s arts, culture, and natural beauty!
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ince 1961, Dogwood Arts has celebrated the natural and cultural beauty of East Tennessee by producing a dynamic Festival featuring blooming gardens and trails, visual arts, music, crafts, theater, culinary arts, dance, film, and literary arts. Dogwood Arts is celebrating the 60th anniversary of the Dogwood Trails this year by featuring the Sequoyah Hills Trail which, for the first time in decades, will be lit up! ORNL Federal Credit Union is proud to continue its presenting sponsorship of Dogwood Arts, a 501(c)3 organization whose mission is to promote and celebrate our region’s arts, culture, and natural beauty. Invite your family and friends to join you in this fresh and memorable blooming celebration. There’s something for everyone and you won’t want to miss it!
CALENDAR OF EVENTS Most of the Festival’s wide range of arts events, performances, and exhibitions are offered to the public free of charge. For more information, including a complete Festival Calendar of Events and ticket information, visit dogwoodarts.com or call 865.637.4561. A Very Special Arts Festival April 2 - A celebration of visual and performing arts by children with mental and physical challenges. West High School – 3300 Sutherland Avenue SYNERGY: Student Art & East Tennessee Art Educator Exhibitions April 3–25 - Featuring the creative works by East Tennessee’s most gifted art students from area elementary, middle, and high schools in an exhibition alongside an exhibit by East Tennessee’s finest K-12 art teachers and current art interns/student-teachers from public and private school and academies. Awards and scholarships are presented to encourage further development of these art students’ artistic aptitude. Clayton Center for the Arts – 502 E. Lamar Alexander Pkwy, Maryville, 37804. NEXUS 2014 April 4–19 - A visual arts exhibition featuring cutting-edge sculptures of all styles and genres and materials from artists all over the nation. This year’s exhibit will be selected by esteemed professor, Laticia Bajuyo. U.T. Downtown Gallery – 106 South Gay Street
Regional Fine Art Exhibition April 4–25 - A dynamic survey of diverse art from emergent and professional artists from a seven state region. Fine art encompassing all styles and genres from both emerging and established artists will be selected by renowned juror, Julie Levin Caro, for exhibition. Emporium Center for the Arts – 100 South Gay Street Art in Public Places Knoxville April 4, 2014–March 20, 2015 - A world-class exhibition of large-scale outdoor sculptures which enliven downtown Knoxville and the McGhee Tyson Airport. We are honored to have renowned sculptor, art promoter and artist activist, Kenneth M. Thompson, as the Juror for the 2014-2015 exhibition! Rhythm N’ Blooms April 4–6 - Set amidst the artistic cityscape of Jackson Avenue, this three-day American Roots music festival celebrates the crossroads of Knoxville’s varied musical history by spotlighting performances from indie to bluegrass to jazz to rock—and everything in between. Pass required. Chalk Walk April 5 - Sidewalks throughout Market Square and Krutch Park become the canvas for more than one hundred professional and student artists of all ages and experience. Dogwood Trails, Open Gardens, and Camera Sites April 9–27 - At the heart of the Dogwood Arts Festival are the region’s spectacular dogwood trees. Explore more than 60 miles of trails, open gardens, camera sites, and historic homes as you enjoy a walk, bike, or drive. The scenery
is available for touring and photography, compliments of the trail residents. Sequoyah Hills is the 2014 Featured Trail as the Dogwood Trails celebrate their 60th anniversary. Walking Trails April 9–27 - Emphasizing the natural beauty of spring with breathtaking flora along historical architecture and inviting people to take a leisurely stroll through the neighborhood, Dogwood Arts is adding new and revamped walking trails to the 2014 Festival for a total of 14 trails. Focusing on the idea of stepping out into our community, the trails are at least onemile in length and folks are encouraged to walk, run, or bike these additional trails. Dogwood Art DeTour April 12–13 - When it comes to art, the creative process can be just as interesting as the finished product. Dogwood Art DeTour provides an intimate look into local artists’ working studios. Visitors are invited to watch as the artists produce some of East Tennessee’s spectacular works of art. Market Square Art Fair April 25–27 - With high-quality arts and crafts booths, arts in action, performing arts, culinary arts demonstrations and tastings, and a children’s creation station, downtown Knoxville is transformed into a lively street fair. Bikes & Blooms April 26–27 - Enjoy East Tennessee’s blooms the lean, green way—on a bicycle by way of an organized ride that’s fun for the whole family. Produced in partnership with Outdoor KnoxFest.
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Save up to $15 on TurboTax! This year, accomplish something you never thought possible–do your own taxes. With TurboTax®, you can be confident they’ll be done right. Plus, ORNL Federal Credit Union members can save up to $15 on TurboTax federal products. Start now and get your guaranteed maximum refund!1
Community Cash Mobs! Thanks to members and the community, ORNL Federal Credit Union’s Small Business Counts cash mob program continues to have a positive impact on local business owners and businesses in the East Tennessee community. Your patronage of the cash mobs has contributed to increased revenues and awareness of participating businesses! The following businesses hosted recent cash mobs through ORNL FCU’s Small Business Counts cash mob program:
TurboTax Disclaimer: 1 Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, we’ll refund the applicable TurboTax or SnapTax federal and/or state purchase price paid. TurboTax Online Federal Free Edition customers are entitled to payment of $14.99 and a refund of your state purchase price paid. Claims must be submitted within sixty (60) days of your TurboTax or SnapTax filing date and no later than 6/15/14. Efile, Audit Defense, Ask a Tax Expert, Refund Transfer and technical support fees are excluded. This guarantee cannot be combined with the TurboTax Satisfaction (Easy) Guarantee.
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Hot Bagel Company in Oak Ridge
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Treasure Chest Boutique in Lenoir City
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The Adorable Child in Farragut
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Archer’s BBQ in Karns
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Josie’s Boutique & New Release Video in Powell
© 2013-2014 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2013. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service
EVENTS & HOLIDAYS AYS
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marks are the property of their respective owners.
If you haven’t had an opportunity to attend one, be sure to follow Small Business Counts on Facebook (facebook.com/ SmallBusinessCounts) and Twitter (@ORNLFCUSmallBiz) for upcoming event dates and locations! And don’t forget, you can join the campaign by shopping local and nominating a business to host their very own cash mob too! Complete details about the cash mob program can be found by visiting smallbusinesscounts.com.
FRIDAY—SUNDAY APRIL 25–27
Dogwood Arts Market Square Art Fair
Market Square Downtown Knoxville
SATURDAY MAY 10
Shred Day
Millertown Pike & Oak Ridge branches • 9 a.m. – 12 p.m.
MONDAY MAY 26
Memorial Day
All Offices Closed
FRIDAY JULY 4
Independence Day
All Offices Closed
Anderson County Clinton 1117 N. Charles Seivers Blvd.
Directors
*All locations except Madisonville, Morristown, and LaFollette
Online Banking™ https://www.ornlfcu.com UPDATE is published quarterly by ORNL Federal Credit Union as an information service to its members. Questions, comments, and suggestions should be sent to: ORNL Federal Credit Union UPDATE, P.O. Box 365, Oak Ridge, TN 37831.
Supervisory Committee David Watkins, Chair Joel Pearman, Vice Chair Gerald Smith, Secretary Mary Kiser
President Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency
Chris Johnson
Clinton Food City 507 S. Charles Seivers Blvd. Oak Ridge Main Office 221 S. Rutgers Avenue Oak Ridge Walmart 373 S. Illinois Avenue
Locations
Or Toll-Free: 800.676.5328
Officials
Telephone: 865.688.9555*
Marcy Catron, Chair Randy Gorman, Vice Chair Jama Hill, Treasurer Wanda McCrosky, Secretary Leigha Edwards Harvey Gray Sam McKenzie James Payne Debbie Stairs
Knox County Bearden 5505 Kingston Pike East Knoxville 3634 East Magnolia Farragut 11405 Municipal Center Drive Farragut Kroger 189 Brooklawn Street Fountain City 5208 N. Broadway
Morrell Road Food City 284 Morrell Road North Knoxville 808 Victor Drive Northshore Kroger 9501 Northshore Drive Powell Kroger 6702 Clinton Highway South Knoxville 7325 Chapman Highway West Knoxville 8721 Kingston Pike
Roane County Kingston 1204 N. Kentucky Street Oak Ridge National Lab P.O. Box 365 Rockwood Walmart 1102 N. Gateway Avenue
Loudon County
Karns 7228 Oak Ridge Highway
Lenoir City 895 Highway 321 North
Halls 4510 Emory Road
Lenoir City Food City 1900 Highway 321
Middlebrook Food City 9565 Middlebrook Pike
Loudon 2859 Highway 72
Millertown Pike 5409 Millertown Pike
Campbell County LaFollette 2229 Jacksboro Pike
Blount County Alcoa 103 Hamilton Crossing Drive Maryville Walmart 2410 U.S. Hwy. 411 South
Monroe County Madisonville 4201 Hwy. 411
Hamblen County Morristown 1730 W. Andrew Johnson Hwy.
Sevier County Sevierville 699 Parkway #5
Union County Maynardville Food City Union Square Shopping Center, Hwy. 33