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In This Issue
A Few Words From The Managers 1 2 3 5 6 7 9 10 11 12 15 16
Your ONE Wish
Celebrating Our Members
YOUR ONE STORY / CREATING SMILES
75th Anniversary Celebration Week Recap
Event Calendar
Networking In Our Neighborhoods
Kindness 365
Expand Expo
CREDIT UNION CONFERENCE
Digital Wallet Setup
Practice Safe Online Shopping
Business Spotlight
BEHUETIFUL TONES / THE LAKE DINER / LAST STOP BEVERAGE
Financial Insights
Your ONE Wish
WE’RE HALFWAY THERE
The 75th Wish Committee is on a roll having granted over 35 wishes with more to come every day! So far, Make Your ONE Wish has granted $36,938.24 in wishes to causes including:
$10,000 to West End PTO for the construction of a new & inclusive playground.
$4,500 to the Crawford County Fair Building Association for the installation of new rabbit cages.
$1,000 to Meadville Little Gridders for the purchase of new, safer helmets.
$1,000 to Meadville City Police Department’s K-9 Unit for K-9 trainings.
At ONE, we’re familiar with the fact that bettering our communities can look like many things. While we regularly give back by volunteering and granting sponsorships, the Make Your ONE Wish initiative has and continues to show us that the needs of our communities make a big difference in the well-being of everyone involved. While we finish up the rest of the 75 wishes for the year, we encourage all of our members to get involved with local organizations and give back. Whether that be volunteering, donating, or showing up –we all need each other’s support.
To see the ongoing list of wishes granted, visit www.onefcu.com.
Member Surveys
MEMBERS KEEP SMILIN’ ON
At the beginning of the year, we rolled out new member service surveys to gauge member satisfaction. Across all five of our locations, we received a total of 687 responses in the last quarter. Given your feedback, our team is focusing on improving member service provide a better experience, and overall, leave you smiling after every interaction. We hope you will continue to leave feedback as we continue to grow with you.
West End PTO
Crawford County Fair Building Association
Meadville Little Gridders
Meadville City Police Department
Tammy was great today at the Conneaut Lake Branch
was professional friendly.
Your ONE Story
3RD QUARTER WINNER
Congratulations Lacey on being drawn as our winner for the first quarter 75th Anniversary Basket! Lacey has been banking with ONE for over 5 years. While short and sweet, her story says all you need to know!
“I love ONE Federal Credit Union. They have always been very caring and helpful and I see myself staying with them for a very long time.”
Ready to Tell Your ONE Story too? Submit yours by Thursday, December 19th to be entered to win the last 75th Anniversary Gift Basket for the year! Winners will be picked on Friday, December 20th. Visit www.onefcu. com/75th-anniversary/ to get started.
Creating Smiles
CELEBRATING KRISTEN’S FINANCIAL ACHIEVEMENT
We’re shining a spotlight on one member this week who our team had the opportunity to celebrate a financial achievement with: Kristen! From securing the auto loan for her vehicle, to her final payment, we’re so grateful for the privilege to be a part of each financial MilestONE. Congratulations on paying off your car, Kristen!
Basket Winner, Lacey
Creating Smiles With Kristen
Community Events
OCT. 12
CONNEAUT LAKE PUMPKIN FEST PARADE
Hope you caught us at the Conneaut Lake Pumpkin Fest Parade for some candy and other ONE goodies! It was so nice to see our members!
OCT. 17
INTERNATIONAL CREDIT UNION DAY (ICU DAY)
On October 17th, credit union members around the world celebrated International Credit Union Day, an annual event to commemorate the credit union movement’s impact and achievements.
OCT. 26
MEADVILLE HALLOWEEN PARADE
Our out-of-this-world float won second runner up in the commercial category of the Meadville Halloween Parade this year! Our team had a blast handing out candy bars and other goodies. Hope to see you again next year!
NOV. 16
SAEGERTOWN TRACTOR PARADE
We won’t be walking in the tractor parade this year. Instead, we invite you to join us in the parking lot of our Saegertown branch before the parade for hot cocoa and hand warmers so you can stay toasty! We’ll see you there starting at 5:30!
DEC. 18
SANTA DAY
Santa Claus and all his friends are coming to ONE! Bring the whole family to enjoy a winter wonderland filled with treats, crafts, sing-alongs and free pictures with Santa and Mrs. Claus! Stop in at 868 Park Ave, Meadville on Wednesday, December 18th from 5:00 to 6:30.
T.B.A.
MEMBER APPRECIATION DAY
We’ll be doing something special for members this December come Member Appreciation Day to close out our 75th Annviersary. Stay tuned to our Facebook & Instagram for more info closer to the month!
offices will be CLOSED for Veteran’s Day.
offices will be CLOSED Thanksgiving & Black Friday.
August
FEED THE FUTURE
In August, we focused on hunger in our neighborhoods and called on our members to join us in donating nonperishable foods and cash. Combining all donations, the 75th Wish committee granted $500 and several canned and boxed goods to the Saegertown United Methodist Church Food Pantry, which distributes food on the third Monday of every month. There are more pantry donations to come, so stay tuned to our Facebook and Instagram for updates!
October
BREAST CANCER AWARENESS
At ONE, we’re hosting our 3rd annual Breast Cancer Awareness Month. Members who make a donation will be entered into a drawing for a Breast Cancer Awareness basket which they may choose to keep or pass on to a breast cancer survivor like one of last year’s winners, Scotty, did. In 2023, our members donated a whopping $2,250 to the Yolanda G. Barco Oncology Institute. Can we beat last year’s total? Let’s find out! Make your donation by October 31st.
EXPAND EXPO CONFERENCE 2024
This past September, a select group of dedicated ONE employees made the journey to Hershey for the Expand Expo, a convention designed for credit union professionals. Over several inspiring days, Jake, Katie, Chelsea, and Megan immersed themselves in leadership and lending training sessions to bring back valuable insights to their teams. Jake, Katie, and Chelsea dove into sessions on team connection, self-reflection, and resilience, exploring the nuances of effective leadership and learning how to lead as multipliers, empowering rather than diminishing their teams. Meanwhile, Megan tackled the lending side, with sessions on Lending for Front Line Staff and Effective Loan Management, gaining fresh perspectives on risk-based lending and decisioning.
Each attendee left inspired and with a wealth of knowledge ready to be applied back at ONE. Jake shared, “I learned a wide variety of things and enjoyed each moment. I brought back a lot of information on self-improvement and leadership techniques, which I’m beginning to incorporate into my day-to-day.” Chelsea reflected on the broader impact, noting, “Expand Expo did just what you would think—it expanded my perceptions on how you affect others and how they affect you.
This experience reminded me of the importance of keeping an open mind.” Megan highlighted the power of innovative ideas for the future: “Expand Expo was super helpful and informative, so much that I’ve been able to use what I learned to strengthen our innovative efforts for 2025.”
Beyond training sessions, the group attended daily Morning Motivationals featuring breakfast and inspiring speakers, which set the tone for each day. Their time together wasn’t only about gaining knowledge; it was also an opportunity to build stronger bonds with one another. This camaraderie has not only fostered closer collaboration but has also strengthened the team’s dynamic, positioning them to work more cohesively and effectively in their shared goals at ONE.
Apple, Samsung, and Google
Pay for Credit & Debit Card Users
JUST TAP YOUR PHONE & GO
That’s right! ONE FCU is now fully compatible and integrated with Apple, Samsung, and Google Pay for its ONE FCU Card holders! Enjoy all the benefits these payment services have to offer with your ONE FCU Card. Experience a quick and convenient checkout through the use of your phone or smartwatch. These payment services offer contactless payment methods, allowing you to simply pull out your phone and place it next to the card reader. The payment is then made quickly and securely. It’s that simple!
Your ONE FCU Credit & Debit Cards can be added by going to the respective Wallet App on your device and following the instructions to add the digital card.
Optimize Your Digital Banking
SAVVY MOBILE APP FEATURES
We encourage our members to take advantage of the all the convenient features our mobile banking app has to offer. Set travel alerts on the go, cut overdrafts with low balance text alerts, inquire about transactions with the click of a button, deposit your check online, and so much more! Start exploring our app today, available for IOS and Android.
practice safe online shopping
Online shopping is more prevalent than ever. Make sure to do everything you can to avoid becoming a victim of cybercrime:
SECURE MOBILE DEVICES & COMPUTERS
Keep the operating system and application software updated/patched on all of your computers and mobile devices. Also be sure to check that any antivirus/antispyware software installed is running and receiving automatic updates.
LIMIT SHOPPING TO MERCHANTS YOU TRUST
If you know the store, shopping their online store is very safe. If you have issues, you can always visit the brick-and-mortar store. But, if you don’t know the store, be wary. Especially ads for stores that pop up on social media sites. It may be legit but take precautions. Conduct your own background check by checking with the Better Business Bureau or the Federal Trade Commission, or at online sites that review e-stores. If the store isn’t reviewed or doesn’t have good reviews, don’t order from their website.
LOOK FOR “HTTPS” WHEN SHOPPING ONLINE
The “s” in “https” stands for “secure” and indicates that communication with the webpage is encrypted. If you submit your credit card information through a website, make sure the site is secure. Look for a padlock or key icon in the browser’s status bar and “https” appears in the website’s address bar before making an online purchase. Also, keep your browser software up to date.
DON’T RESPOND TO OFFERS THAT SEEM TOO GOOD TO BE TRUE
An online store whose prices seem too good to be true, or that promises too much at too low a price is suspicious. The online store may not have come by these items legally, or you may never receive them, or you may get a bait and switch and end up with something you didn’t order.
NEVER GIVE OUT YOUR PERSONAL INFORMATION
Don’t ever give your financial information or personal information over email or text. If you receive an email asking for donations, contact the organization directly to verify the request.
PAY WITH CREDIT, NOT DEBIT
It’s safer to shop on the internet with a credit card rather than debit card. Credit cards are protected by the Fair Credit Billing Act and may reduce your liability if your information was used improperly.
REVIEW PRIVACY POLICIES
Review the privacy policy for the website/ merchant you are visiting. Know what information the merchant is collecting about you, how it will be stored, how it will be used, and if it will be shared with others.
business spotlight
4TH quarter edition
BeHUEtiful Tones
PERSONAL COLOR ANALYSIS
Breaking into the local beauty industry with a scientific approach to helping clients uncover their true hues is BeHUEtiful Tones, a small business specializing in personal color analysis.
While color analysis isn’t a new trick, its use has become increasingly popular in the last few years for those looking to simplify and empower their beauty decisions. Business owner, Candi Benek, provides some insight into her clients’ experiences: “Discovering their unique tones has made my clients feel more confident. Many have reported having found they need less makeup, and most have shared that their shopping has simplified by the fact they know exactly which colors harmonize with their color tone.”
For those of us who often find ourselves staring into a full closet thinking “I have nothing to wear!” color analysis may sound like it could be the very insight missing to build a better wardrobe. But what exactly is a personal color analysis and how does it work?
Candi Benek is certified in the True Colour International 12 Tone Method which is based on the science of natural color harmony, accurate interpretation of the Munsell Color System, fullspectrum light theory, and human physiology. Applying this knowledge, Candi assesses her clients’ skin tone through a logical and systematic test color draping process with calibrated drapes in a neutral setting and full-spectrum lighting to help each person find their unique tone.
The TCI 12-Tone Method includes 8 neutral tones; warm or cool neutrals which fall between the traditional 4 seasons, Winter, Spring, Summer, and Autumn. Our personal tone is made of up 3 dimensions, hue, value, and chroma. These are determined by pigments found naturally in our bodies including hemoglobin, keratin, and melanin.
Once the analysis is complete, Candi goes over makeup and clothing swatching with a 65+ color palette that clients receive once placed into their personal tone. And, if you would like to extend your consultation, BeHUEtiful Tones offers additional services including Closet Editing, Shopping Experiences, and Makeup Analysis.
Our team at ONE has also had the pleasure of discussing the world of color analysis when she visits our offices. Like personal tone, each relationship built with our members is unique, and Candi’s is no exception as she shares, “ONE has been a pleasure for me to work with both on a personal and business level. Their rates are amazing, and I love chatting with the staff when making my deposits. I would highly recommend switching your banking needs. I love how involved in the community they are, and how they work hard for us. It shows.”
@Be-HUE-tiful Tones
@beheutiful.tones www.behuetifultones.com
The Lake Diner
GREAT FOOD, VINTAGE VIBES
On the shore of Conneaut Lake lies one of Crawford County’s hidden gems, The Lake Diner, where the vintage vibes are high, and the food is served fresh with a smile. Recently established in July of 2023, The Lake Diner has quickly made a name for itself as one of the locals’ go-to restaurants for brunch that hits that “classic diner” spot. And, for all of us late risers, it doesn’t get better than breakfast all day, starting at 7 am, and the option for lunch beginning at 11 am.
The Lake Diner adheres to their promise of “Good Food” by serving fresh dishes homemade with quality ingredients. Enjoy your choice of omelettes, breakfast sandwiches, pancakes, and other morning favorites. Or dive into the lunch menu with burgers, salads, classic sandwiches, and soups. Make sure to stop in around the holidays too as you may be surprised by seasonal specials.
While serving as a staple restaurant in the Conneaut Lake community, The Lake Diner serves various local initiatives and organizations.
They proudly support Conneaut Area Sr. High athletes, Conneaut Lake Community Development Committee (CLCDC) projects, Kiwanis of Conneaut Lake, the annual Icehouse Festival, and more. The Lake Diner hopes to continue to grow with the support of their friends and neighbors and community financial institution—you guessed it— ONE Federal Credit Union. Restaurant owner, Amy Detelich, shared their perspective on fostering a banking relationship with a local institution saying, “Having our business account at ONE has been a pleasure, it’s very convenient to visit the Conneaut Lake branch. Melinda and her team are always friendly and helpful, and there are always great promotions and rates to take advantage of. We look forward to growing our business with the help of the ONE team!”
OPEN DAILY 7AM - 2PM CLOSED WEDNESDAYS
Last Stop Beverage
MORE THAN A BEER
DISTRIBUTOR
Aptly named, veteran-owned Last Stop Beverage is Cochranton’s one-stop shop for everything you need for a good time from beer to live bait. For those whose interest piqued at the thought of beer, you’ll be happy to hear that Last Stop Beverage stocks a vast selection of beers and other canned beverages, including some unique seasonal picks that you can browse in-store or at their drivethrough. And when you’re finished choosing your drinks, check out their full menu of freshly made, locally renowned subs piled high with your choice of meats and toppings, and other fan favorites like wings, burgers, hot dogs, and so much more. Running on a tight schedule? Order ahead on their website for a quicker pickup experience. Last Stop Beverage carries more than food and drinks. They also offer propane exchange, live bait, lottery, and tobacco products.
The convenience store’s subs are so good that they do good. Last Stop frequently works with non-profit organizations on fundraisers, having completed numerous to date. They’re always happy to help, which is a sentiment they share with their business partners like ONE Federal Credit Union. “Last Stop Beverage has worked directly with ONE Federal Credit Union since day one. We’ve had an overall wonderful experience working with some amazing people there. They always go out of their way to help. We would highly recommend everyone give them a chance. You won’t regret it.”
MON-THURS (8AM-8PM) FRI-SAT (8AM-9PM) SUNDAY (10AM-6PM)
@Last Stop Beverage, INC www.clover,com
a few words From Our Managers
Dan Webster
JR. EXECUTIVE OF RELATIONSHIP MANAGEMENT
“The Meadville Team has been working hard to develop their member service Have you noticed the survey kiosks in our lobbies or QR codes in our drive thrus? Have you clicked on the smilies in our email footers to rate your service? By answering the two short questions of our member surveys, you help us understand how to serve you better. Give it a try next time you have a chance!”
Katie Leveto
BRANCH MANAGER
“Hello Saegertown! It has been an incredible honor to join the team in Saegertown as the new Branch Manager! Saegertown has a special place in my heart as it is my hometown! It is wonderful to see familiar faces, and I am looking forward to meeting new ones as well. Please stop on to see me, and let’s discuss your financial goals!”
Melinda Danko BRANCH
MANAGER
“Our team in Conneaut Lake has received a lot of positive feedback on our member service in the last quarter. We’re so happy for the opportunity to serve such a friendly community. Whether you need assistance with a transaction, a change to your account, or lending solutions, our team is always here to help!”
Chelsea Barr
BRANCH MANAGER
“The Cochranton branch has had a blast helping out with many of this summer’s community events including the Demolition Derby and Children’s Bicycle Rodeo. We’re looking forward to more through the end of the year and hope to see you at our events!”
