The Fox Facts - Winter 2017

ION IT UNE EDM WELCCRO ITH FOX! WN ITIEZSO UN HOR Registered trademark of Currency Marketing.

Summer 2016 to put the fun Fox is helping Winter 2017 into community events! Join us

bers! ISSUE for these summer events and Welcome Staff and Mem IN THIS IN THIS ISSUE TOP REASONS » Fox in the Community create memories for your family

COMMUNITY

Owning a Home vs. Renting Horizon Community Credit Union Partnership Make Summer Fun Happen!

Home ownership typically comes with a mortgage (a home loan).

2017 Before you jump into debt, determine if buying a home or renting the right choice for you. Here are some factors to consider Yasisyou es!

MUNITone IZeONDCaOtM contemplate home ownership.

SavHeORth

» Fox in the Community Voyager & Eastman Staff » Bike to the Beat that will last a lifetime.

FOR FOR » Make Fun Happen! » Quick TipsSummer & Resources K AR TheMO American dream of LLP VIE AT THE BA » Shop-n-Save Digital Coupons RENT SALE » Enhanced Protection owning a home continues to Thursday, June 1 • Appleton » Horizon CU Partnership be alive and well.14, According On January 2017, Horizon Community Credit joined the Fox Communities Credit » First TimeUnion Homebuyer » 80th Annual Meeting toUnion a recent Gallup poll, eight » How to Save on family. This partnership provides Horizon members theGroceries convenience of 5 additional offices njoy a fun filled family movie night out of ten adults either own » Owning a Home vs. Renting with the kiddos! For our second year

PEOPLE BUYUNION

CREDIT

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in theor Green Bay area a home plan to buy onealong with 12 additional in the Fox Valley and surrounding areas. It also will be providing a low-cost moreHere ATMare locations and expanded productsweand inoffers the future. the Realservices. estate to property taxesRattlers family outing the Timber top five reasons people buy: and interest paid on the ballpark.

Enjoy treats, drinks Taxes President of Horizon Communityand is not deductible Pat Josephson, former Credit Rent Union mortgage taxfurther a show.

Stayed may tunedbefor deductible Fox was based on information at Communities foxcu.org. e reason Horizon approached enu“The Avsays,

00 Eastman 7 FINANCIAL

opportunities for both our members and the Horizon team, who have all Owning a home is a form Renters do not accumulate remained with the credit union. Theofcore values of both credit unions are very savings, as equity equity; once they pay ATIONas an STRowning REGISee Equity offices, products and services for our membership similar.

Having additional increases with each W OPEN! et your bike tuned up and your their rent, the money NOinvestment payment is gone was vital. It’s important to continue to grow and competitive ears tuned in for ourstay second Bike to with the Chance to build Pat Josephson the Beat. Choose from four distances: ever-changing needs of our members.”

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SHBelief LAKE homeemploy oc w ito night entire toexpensive than buying cashfor to the cover the community down Affordability theof August 18 • Man Friday, ownership enjoy.

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NEW LOCATIONS Cover Story:

Pride of ownership

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Midwesttime-consuming including giant show & stunt kites, music, fireworks, and more!

Cover Story: Bay! KITESinOGreen VE Details to beFox shared closer to the date R LAKE MICHIGANPartner!” Discover FoxFox is proud to bewith “Your Community how is Making partnered Horizon Community Credit Union on January 14, 2017!

September 2 & 3 • at foxcu.org.

Two Rivers of many fun-filled community events LifeWe Happen through the sponsorships welcome Horizon members to the Fox family (Page 5). within the Fox Cities, Green Bay and Lakeshore areas. (page 2 & 3). www.foxcu.org Facts 3 2017 Winter 2017Winter • Fox 2017 www.foxcu.org www.foxcu.org Facts | 5 Facts | 7 •| Fox Winter • Fox

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.

or A Race f Diapers!

Green Bay Gamblers Baby Derby Race - March 4 at 7:05pm

Fox Wins “Love My Credit Union” Video Contest!

A BIG thank you goes out to our members and staff who voted for our video. The $1,000 prize will be shared with local non-profits. See the winning video at foxcu.org/love.

We are proud to sponsor the 1st ever Baby Derby on Saturday, March 4, at the Resch Center in Green Bay. Come and cheer on your favorite baby! Winner of the race will receive a $500 Visa gift card. That will certainly help with the cost of diapers!

Fans are encouraged to bring baby supplies (larger size diapers, wet wipes, etc.), gift cards or cash donations to the game. All items collected will be donated to House of Hope, Green Bay. For each donation you’ll be entered into a drawing to win a $50 gift card or a Gambler jersey. We hope to see you there!

2017 Center Stage High School Theatrical Performance Awards of Northeast Wisconsin Sponsored by Fox, these awards are an educational initiative that supports the achievements of high school musical theater programs.

Participation was open to schools within a 45 mile radius of the Fox Cities Performing Arts Center.

The award ceremony will take place on Saturday, May 20, at the PAC. Learn more about these awards and view a full list of participating performances at foxcu.org/calendar.

Help for the Homeless Personal Care Items Collection Stop by any Fox location now until March 12 and help us provide personal care items to local crisis programs. Items collected remain in communities where donated.

For a full list of the most needed personal care items visit foxcu.org/help-for-homeless.

Visit foxcu.org/calendar for a list of upcoming community events. www.foxcu.org

Winter 2017 •

Fox Facts | 2

CREDIT UNIO

UNITES WITH FOX!

Registered trademark of Currency Marketing.

bers!

Welcome Staff and Mem

TOP REASONS PEOPLE BUY

Owning a Home vs. Renting Horizon Community Credit Union Partnership Make Summer Fun Happen!

Home ownership typically comes with a mortgage (a home loan).

2017 Before you jump into debt, determine if buying a home or renting Y is the right choice for you. Here are some factors to consider MUNITone es!

ONDCaOtM he as you contemplate home ownership.

SavHeORtIZ N

Fox is helping to put the fun into community events! Join us for these summer events and create memories for your family Voyager & Eastman Staff that will last a lifetime.

FOR

FOR

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Enjoy treats, Taxes President of Horizon Community and Pat Josephson, former Credit Rent Union is not deductible mortgage befor taxfurther a show.

Stayed may tuned says, “The reason Horizon approached FoxatCommunities was based on deductible information foxcu.org.

SALE

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FINANCIAL TRACK 2

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Saturdand A home is or a valuable investequity Renting is not an ay, August 5 • Appleton 10, 20, 36, 50 miles.

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Maintenance

oar on over to Wisconsin’s Maintenance/repairs are theeast 3139Maintenance Voyager Drive is the coast!

Join us in responsibility Two Rivers, Neshotah homeowner’s landlord’s responsibility Beach, for the largest kiteand fest in the and can be expensive Midwesttime-consuming including giant show & stunt kites, music, fireworks, and more!

Details to be shared closer to the date at foxcu.org.

Facts 3 2017 Winter 2017Winter • Fox2017 Facts |5 • |Fox Winter • Fox

Facts | 7

Shop-n-Save DIGITAL COUPONS Fox takes pride in helping our members save money, which is now just a click away, thanks to our new FREE Shop-n-Save feature within our Mobile App. Start saving in just 3 easy steps:

1 2 3

Download Fox Communities FREE Mobile Banking App in the App Store.

Click on the drop-down menu in the top left corner & select ‘Shop-n-Save’.

You are now ready to start saving money by exploring Shop-n-Save and using the coupons feature when shopping.

Make Savings Happen!

We are committed to helping members obtain their homeownership dreams!

• Home loans - with as little as 3% down payment!* • Exclusive First Time Homebuyer loan options - with $500 off closing costs.* • Down Payment Plus Program® - with up to $6,000 available to eligible homebuyers towards down payment and closing costs.*

Contact a lender today or apply online at foxcu.org! *Must meet eligibility requirements. Restrictions may apply. Contact a lender for details.

www.foxcu.org

Winter 2017 •

Fox Facts | 4

HORIZON COMMUNITY CREDIT UNION

UNITES WITH FOX!

Registered trademark of Currency Marketing.

bers!

Welcome Staff and Mem

TOP REASONS PEOPLE BUY

FOR

Voyager & Eastman Staff

SALE

FOR

RENT

Owning a Home vs. Renting Horizon Community Credit Union Partnership

Home ownership typically comes with a mortgage (a home loan).

Before you jump into debt, determine if buying a home or renting one is the right choice for you. Here are some factors to consider as you contemplate home ownership.

The American dream of owning a home continues to On January 2017, Horizon Community Credit Union joined the Fox Communities Credit be alive and well.14, According toUnion a recent GallupThis poll,partnership eight family. provides Horizon members the convenience of 5 additional offices out of ten adults either own in the Green Bay area along with 12 additional in the Fox Valley and surrounding areas. It also a home or plan to buy one moreHere ATMare locations and expanded products and services. inoffers the future. the Real estate property taxes top five reasons people buy: and interest paid on the Taxes President of Horizon Community Credit Rent Pat Josephson, former Union is not deductible mortgage may be tax says, “The reason Horizon approached deductible Fox Communities was based on

FINANCIAL

opportunities for both our members and the Horizon team, who have all Owning a home is a form do not remained with the credit union. The core values of both credit Renters unions are veryaccumulate of savings, as equity equity; once they pay See owning assimilar. an Equity offices, products and services for our membership Having additional increases with each their rent, the money investment payment was vital. It’s important to continue to grow and stay competitive with the is gone Chance to build Pat Josephson ever-changing needs of our members.”

A home is a valuable investequity and Renting is not an Former President ofcredit ment, particularly if home investment opportunity Investment Horizon Community Greg Hilbert stated, “Both credit Smarter than Fox Communities Credit Union President values are increasing for tenants paying rent unions share a deep understanding of our commitment to members and the

Homeowners cancredit unions communities we serve. This partnership shows how continue Renters must consult with More cost-effective decorate and make their landlord to work together to improve and expand product and service offerings for all to make Customizable than paying rent changes according to their any small to moderate members. Staff and Board Members from both credit unions are very happy personal preferences changes to the dwelling Financial security to complete this partnership.” and stability Owning a home involves Renting involves a financial Fox Communities and Horizon Community financial cooperatives, a long-term are financial Responsibility commitment only for the commitment duration of the lease which means we are owned by our members who bank with us.

Together, Greg Hilbert

NON-FINANCIAL

we now serve over 87,000 members, with assets above $1.2 billion and Buying a home usually Renting is usually much less employ more than 350! requires a significant outlay Belief in home expensive than buying of cash to cover the down Affordability ownership a home, at least at the payment, closing costs and outset other expenses Don’t want to live in a rental Relocating is much We welcome all members to visit any more of our Relocating is usually less difficult when a house must Relocating Better place for the complicated for renters be sold family

President of Fox Communities

FOX LOCATIONS!

Ability to do what they want

NEW Pride of ownership LOCATIONS

ue 700 Eastman Aven

Maintenance

Maintenance/repairs are the homeowner’s responsibility and can be expensive and time-consuming

3139Maintenance Voyager Drive is the

landlord’s responsibility

in Green Bay!

www.foxcu.org www.foxcu.org

Facts |5 Winter 2017 • Fox2017 Winter • Fox

Facts | 7

YEARS 1937 - 2017

Celebrate with us!

80th Annual Meeting

Courtesy Bus Pick Up Times

Sunday, May 7, 2017 » 2:30pm - Doors open » 3:00 to 4:00pm - Meeting time

The Grand Meridian » 2621 N. Oneida Street, Appleton

Two Rivers:

1515 Seventeenth St. 1:00pm

Manitowoc:

62 Maritime Dr.

1:15pm

Clintonville:

3 N. Main St.

1:15pm

Green Bay:

2170 S. Ashland Ave. 1:30pm

New London:

1302 N. Shawano St. 1:35pm

Light hors d’oeuvres will be served and $1,500 in cash door prizes will be given away.

Why Attend?

As a member, you are an owner of the credit union. » At the Annual Meeting, you have a chance to learn how the credit union is doing and meet with credit union staff, Board of Directors and other members. »

VOTE!

At the meeting, each member who is at least 18 years of age and is the primary voting member (first name on the account) is able to cast their vote in the Board of Directors election. The Board consists of nine fellow members, elected by the membership, who are entrusted with the responsibility of the general direction and control of the credit union. Learn more about absentee voting options by visiting foxcu.org/annual-meeting.

There is no charge to attend this meeting or ride a bus.

Reserve your seat at foxcu.org/annual-meeting-2017 or by calling 920.993.9000.

HELPING LOCAL YOUTH

www.foxcu.org

New this year! We will be collecting new blankets and pajamas, at the door, for local in need youth and veterans. Thank you in advance for your generosity.

Winter 2017 •

Fox Facts | 6

Registered trademark of Currency Marketing.

TOP REASONS PEOPLE BUY The American dream of owning a home continues to be alive and well. According to a recent Gallup poll, eight out of ten adults either own a home or plan to buy one in the future. Here are the top five reasons people buy:

FOR

SALE

Taxes

Rent is not deductible

Equity

Owning a home is a form of savings, as equity increases with each payment

Renters do not accumulate equity; once they pay their rent, the money is gone

Investment

A home is a valuable investment, particularly if home values are increasing

Renting is not an investment opportunity for tenants

Customizable

Homeowners can decorate and make changes according to their personal preferences

Renters must consult with their landlord to make any small to moderate changes to the dwelling

Responsibility

Owning a home involves a long-term financial commitment

Renting involves a financial commitment only for the duration of the lease

Affordability

Buying a home usually requires a significant outlay of cash to cover the down payment, closing costs and other expenses

Renting is usually much less expensive than buying a home, at least at the outset

Relocating

Relocating is much more difficult when a house must be sold

Relocating is usually less complicated for renters

Maintenance

Maintenance/repairs are the homeowner’s responsibility and can be expensive and time-consuming

Maintenance is the landlord’s responsibility

Chance to build equity and credit Smarter than paying rent More cost-effective than paying rent Financial security and stability

NON-FINANCIAL Belief in home ownership Don’t want to live in a rental Better place for the family Ability to do what they want Pride of ownership

www.foxcu.org

RENT

Real estate property taxes and interest paid on the mortgage may be tax deductible

FINANCIAL See owning as an investment

FOR

Winter 2017 •

Fox Facts | 7

Owning a Home vs. Renting

Home ownership typically comes with a mortgage (a home loan).

Before you jump into debt, determine if buying a home or renting one is the right choice for you. Here are some factors to consider as you contemplate home ownership.

3401 E. Calumet Street Appleton, WI 54915

Have you tried these

MOBILE PAYMENT SERVICES available to Fox Cardholders?

Balance Transfers & Cash Advances With Your Fox Rewards Credit Card! until Balance transfers and cash advances made by March 31, 2017, will remain at 3.99% apr* until April 1, 2018.

Learn more by visiting oxcu.o Learnwww.f more by rg/mo visitibile-pa ng yment-services

www.foxcu.org/mobile-payment-services.

* apr= annual percentage rate. Balance transfers and cash advances made 2/1/17 to 3/31/17 will remain at 3.99% until 4/1/18. On 4/1/18 the promotional rate will return to the apr disclosed at account opening, which ranges from 9.90% - 17.90% apr. No other fees apply.

DON’T HAVE A FOX REWARDS CREDIT CARD? With a Fox Rewards Credit Card, you will accumulate reward points on purchases.

Points can be redeemed for:

Fast

Safe

Easy

money the easy way.

Send, request and receive Online Banking!

Now available within Fox’s

rg/popmoney.

More details at www.foxcu.o

Gift Cards

Including VISA, which is just as good as cash.

Merchandise

Electronics, home goods, sports, etc.

Travel

Cruises, hotels, packages, etc.

Enjoy the many other benefits, such as: • Easily complete cash advances, review purchases and make payments as needed through Fox Online Banking.

• Introductory interest rate of 1.99%** • And much more!

Apply today at foxcu.org/visa-credit-card. * Introductory APR of 1.99% on purchases for six months from account open date. After the first six months, the rate on any remaining balance will return to the APR as disclosed at account opening.

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

The Credit Union is dedicated to the protection of our members’ financial well-being and to 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.

Federally Insured by NCUA. Equal Housing Opportunity.