The Fox Facts - Winter 2014

IN THIS ISSUE » Fox In the Community » New Main Street Green Bay Location » Website & Online Banking Updates » Dream Vacation » Saving for the Holiday’s » Credit Score Breakdown

Snap Shots

Fox In The Community At Fox, we aren’t just a financial, we’re also in your neighborhood.

We’re friends ... and we’re family.

Here’s a snapshot of some of the community activities we are proud to be a part of!

Nancy Heykes, VP of Development for Goodwill Industries of North Central Wisconsin states, “Fox has donated active leadership, sparking collaboration with other credit unions and businesses to raise ens funds and engage employees. Fox deep issues, relationships with area nonprofits and on work to s driving beyond immediate need root causes.” Goodwill nominated Fox tanding Communities Credit Union for the Outs win Corporation Award. Although Fox did not on. inati nom the the award, we are humbled by

On August 21, Fox Communities sponsored Future Neenah’s Out to Lunch Concert Series with children’s entertainer, Cookee.

Thank you to everyone who donated to ‘Stock the Shelves’ 2014. All of the proceeds will benefit 48 local food pantries and programs that serve thousands of people struggling to meet the most basic of needs.

On September 27, over 50 Fox employees spent their afternoon volunteering at Appleton’s Octoberfest. All Octoberfest profits are used to support community charities, projects and events through the Octoberfest grant fund.

www.foxcu.org

Visit www.foxcu.org for a list of upcoming events and collections that we sponsor.

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By the Numbers

Facts and figures that tell the story of Fox’s newest location

Our location at 1313 Main Street in Green Bay will be moving to 1820 Main Street (corner of Main Street & Lime Kiln Road) in Spring 2015!

Opening Spring 2015

On November 10, key members from Fox, Smet Construction, Gries Architectural, Green Bay Mayor Jim Schmitt and Chamber Members broke ground.

Main Street • Green Bay

Staff members will relocate from from the existing Main Street branch to the new location

Drive up lanes

Hour Drive Up ATM

Parking spaces for added convenience

Convenient Green Bay Locations Watch our Facebook page for updates on our new Main Street location. www.foxcu.org

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Check Out Our New Website!

Our new look features a responsive website design which allows for a better user experience as the website responds to the user’s behavior and environment based on screen size, platform and orientation. As the user switches from their desktop/laptop to tablet or mobile phone, the website automatically switches to accommodate for resolution, image size and scripting abilities.

Our secure online banking login changed to a direct homepage login. To login, click the orange box titled ‘Secure Online Banking’. A new box will immediately appear directly on our homepage for you to input your online banking account login username. Once you login with your username, you will be directed to the next page and asked to enter your password and answer your security question.

Learn more about these updates at www.foxcu.org

Secure Your Online Banking Account With A Personalized Username Instead of using your account number as your login to Online & Mobile Banking, update today to a personalized username. This will allow you to keep your account number private, thus, making your account more secure. This security benefit is available today, but will become required early 2015!

1. Login to Online Banking as you normally would.

2. Click on ‘Info Center’ on the main menu bar.

3. Under ‘My Preferences’, click on ‘Username’.

4. Type your new username using the helpful hints on screen to guide you.

5. When finished, click the ‘Change My Username’ button to save it. If the username was successfully changed, you will see the following message at the top of the page “Your username has been successfully changed.”

6. Upon your next login you’ll use your new username and not your account number.

Login to Online Banking to get started! www.foxcu.org

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“It worked out pretty great” said Kristin. “I just used my Fox credit card to pay for gas, groceries, and any other expenses I could and we had more than enough points to book an ocean front room in Daytona Beach, FL.” ~Kristin, Fox Team Member

Take a family vacation they said. It will be fun they said. AND IT WAS!!!!!!!

Fox team member, Kristin, her husband, son and in-laws recently traveled from Wisconsin to Florida together in a mini-van to embark on the iconic family vacation to Disney…and as any avid Nascar fan would do, they even took a stop in Daytona.

Why are we telling you this? Two reasons. First, because Kristin is a Fox Communities Credit Union team member and employees usually know the best kept secrets in the business, right? of us may not think of in our everyday lives. Maybe this story will inspire you to do something similar!

Years ago, Kristin knew they would want to take this vacation so she started saving up by using Automatic Funds Transfers. As soon as her paycheck arrived via Direct Deposit in her account at Fox, Kristin set a certain amount of money to be automatically transferred to her savings for this trip. She called these her Florida Funds using our account nickname feature.

Kristin also has a Fox VISA Rewards Credit Card. For every $1 Kristin spends on her Fox VISA Rewards Credit Card, she earns 1 point. Kristin had quite the bank of points to redeem as she uses her card for EVERYTHING. What did she use those points on? She paid for ALL HOTEL expenses to and from Florida and their stay in Daytona. Her in-laws also use our Rewards Credit Card and paid for their Daytona hotel expenses with their rewards points.

All these reasons sure helped to make their vacation a memorable one. Kristin is now on to planning how she’ll use her next bank of saved points.

What goal will you achieve using Fox Communities Credit Union products or services? Take a vacation, buy a home, get a new ride, pay down debt...Stop in to any Fox location and let us help you make your dreams a reality! www.foxcu.org

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Ways to Save for the Holidays It may be too late for this year, but start now and you’ll be set for next year!

Do you always toss your extra change in a jar? How would you like to virtually toss coins in a jar when you use your debit card for purchases? Fox Debit Cardholders can sign up for SaveUp!, our optional savings program that rounds up transactions to the next dollar and puts that money into a separate account for you. Almost 400 of our members have enrolled and each have saved an average

With a Rewards Credit Card from Fox, you can earn points with every purchase and redeem tho se points for holiday gifts! There are gifts for ev eryone! ScoreCard has a robust catalog of ov er 1,600 items including name-brands lik e Apple, Dyson, and Sony. With as little as 700 points, you can start redeeming today! A Fox em ployee, Cathy, has been using her points on holiday gifts for years!

Kitchen gadgets for her da ughter, a backpack for her middle son, iPod sp eakers for her youngest son, and even a watch for herself!

Apply today! www.foxcu.org/credit-card

s

of $77!

Ask us to set up your account today!

Make the holiday’s easier on your wallet by using these tools to help you save all year long! www.foxcu.org

Join our over 2,600 members who benefit from having a separate savings account just for holiday spending! s On average, our members with a Christma Club Account have saved $805 for holiday spending. You can add money to this account all year long with automatic deposits ay or any time you have extra cash. This holid on spending money is made available to you October 1st!

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HOW IS A CREDIT SCORE CALCULATED?

10%

A CREDIT SCORE

is a number used by financial institutions and credit card companies to determine your risk-level when issuing a loan or a credit card.

MIX OF CREDIT

35%

10%

PAYMENT HISTORY

NEW CREDIT

STAY ON TRACK

15%

You are entitled to one free credit report per year from each of the major credit bureaus.

30%

LENGTH OF CREDIT

annualcreditreport.com

CAPACITY

PAYMENT HISTORY

Making payments on time boosts your score.

CAPACITY

The less you use your total available credit each month, the better.

LENGTH OF CREDIT

A longer history of good credit habits raises your score.

NEW CREDIT

Opening lots of new credit cards in a short amount of time can hurt this part of your score.

MIX OF CREDIT

A mix of revolving credit (credit cards) and installment loans (mortgages; car loans) boosts your score.

WHAT DOES MY SCORE MEAN? Credit scores can vary by financial institutions

350

<550

A low score means you could be denied a loan or credit card. You have the most to gain, so show your score some love!

550 - 720

You may not get turned down for a loan, but you will likely be charged a higher interest rate.

Figure out what’s keeping you from a prime score.

800

720+

This is where you want your credit score to be to get the best access to and interest rates on loans.

Watch the Credit Squirrel explain • vimeo.com/foxcu It’s a Money Thing is a registered trademark of Currency Marketing

www.foxcu.org

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Space out your credit report requests so that you can check on your credit throughout the year.

Curious about your score? You can get a free estimate through Credit Karma (but know that it’s not your actual credit score - it’ll be close but not exact).

Need access to the real deal? Credit bureaus usually charge a fee ($15 to $25).

Credit Squirrel

3401 E. Calumet Street Appleton, WI 54915

Business Members Since 2002

Our Mission We at Fox Communities Credit Union have a commitment to enrich the quality of life for services.

The Credit Union is dedicated to the protection operate in an economically sound manner.

The Credit Union will provide an atmosphere of professionalism, friendliness, and mutual trust.

We shall remain strong in the communities through our support and involvement.

Fox Communities Credit Union 3401 E. Calumet Street Appleton, WI 54915

Find Us: facebook.com/foxcu Follow Us: twitter.com/foxcu Watch Us: vimeo.com/foxcu Call Us: Appleton (920) 993-9000 Green Bay (920) 490-2900 Black Creek (920) 984-4200 Clintonville (715) 823-2191 New London (920) 982-9420 Oshkosh (920) 233-2890

www.foxcu.org Federally insured by NCUA. Equal Housing Opportunity.