Page 1

Inside

Sentinel

2 Letter from the President

Fall 2011

Volume 53 • Issue 3

New website design

2 Biggest Fan Contest 3 International Credit Union Day 3 New Look for Online Banking 4 Help Kids Make the Grade in Personal Finance

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f you haven’t already noticed, we have a new look to our website. Myguardiancu.com is clean, fresh and easy to navigate. New features such as a “News and Information” section have been added to help keep you informed on the latest happenings. Go ahead and give the new site a try. It’s just a click away! n

Guardian’s Debit Card Remains FREE! There has been a lot of talk in the news recently about financial institutions beginning to charge or increasing their charge for debit card transactions beginning October 1. Guardian CEO Heath Harrell released this comment concerning the news stories: “I can’t say what other Banks and Credit Unions are doing, but Guardian operates differently. Guardian members will not incur any new fees for having or using a Debit Card.”

October 3 – November 11; Open a new checking account or take out a new loan (at least $2500) and register to win 1 of 6 weekly prizes of tailgating supplies. Members enter at each branch location. 1 prize will be awarded each week. The Grand Prize (2 Alabama/Auburn tickets) will be drawn November 11. No purchase necessary to enter drawing. See website for Official Rules.


Bare Holiday Budget?

We can help with a Holiday Loan! Just in time for the holidays Borrow up to $1,500 for 11 months at only 9.9% APR*

Letter from the President Dear Guardian Members: Guardian Credit Union has recently undergone some exciting changes. As you may have seen inside the branches and on the website over the past few months, Guardian has experienced an “Extreme Makeover: Conversion Edition.” Effective October 1st, we converted to a new operating system designed to better serve our members’ needs. Our staff has worked feverishly over the past several months training and preparing to implement this system change seamlessly. The greatest benefit for you is that you will see no major changes to your account, only improved services and an even greater overall member experience. This system conversion was designed and implemented in an effort to better serve your financial needs through increased efficiency and improved services. We also believe that this conversion will allow us the opportunity to continue to grow our product and service line in the future, further improving your experience at Guardian Credit Union. Serving your financial needs and exceeding your expectations is our priority. We look forward to continued growth and the opportunity to improve your member experience and relationship with Guardian Credit Union.

Heath Harrell President

Biggest Fan Contest

Holiday Loan Need extra cash for Christmas shopping? Beginning November 14 and running until December 30, Guardian will once again offer our Holiday Loan to help you with you holiday shopping. Borrow up to $1,500 for 11 months at 9.90% apr (annual percentage rate). Or, if you would prefer, we offer 3 fantastic Visa Credit Card options that could help with those extra holiday expenses. Call or come by to speak with a loan officer and choose the option that is right for you. *APR=Annual Percentage Rate. Offer based on credit approval. Maximum loan amount of $1,500 can be borrowed at this rate. 11 monthly payments of $144.00 based on loan amount of $1,500 at 9.90% APR. Not valid with any other offers. Refinancing of existing Guardian loans is not available with this offer. Guardian is an equal opportunity lender. Offer expires December 30, 2011.

Show your team spirit and submit photos to prove that you are the Biggest Football Fan. Entries will be placed into a drawing for a separate tailgating supply package of prizes to be given away November 11. Email all to jfoshee@myguardiancu.com with the subject line “Biggest Fan Contest” or drop off at any branch location. All photos must be received by Friday, October 28.


International Credit Union (ICU) Day

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ver the course of 84 years, the celebration of International Credit Union (ICU) Day® has evolved from the first official credit union holiday established by the Credit Union League of Massachusetts in 1927 into the internationally recognized observance it is today. Originally “Credit Union Day” (CU Day), the formal appreciation of credit union members and workers as well as the pioneers of the credit union movement has two beginnings. The first, in 1927, was established on January 17 because America’s “Apostle of Thrift,” Benjamin Franklin, was born on that day. At the time when CU Day was established, the credit union movement in North America was rapidly developing. People were either too busy to celebrate or too new to the credit union movement to recognize the significance of their actions, and after a brief trial period, CU Day faded away. Twenty-one years later in 1948, the centennial of the first credit union arrived. By then, about five million people belonged to 12,000 credit unions in the United States and Canada. America’s credit union leaders at this time called for an occasion for bringing people together to reflect on credit unions’ cooperative history and achievement much more than they had in 1927. They also wished to promote the credit union idea nationally. To do so, Credit Union National Association (CUNA) decided to give CU Day new life--this time with a national celebration set aside on the third Thursday of the month. This time, CU Day

caught on, and celebrations continued in the following years. Meanwhile, the credit union movement was spreading across the globe. By 1964, CUNA had established CUNA International to formally expand its aid to credit union pioneers worldwide. As new national movements joined the credit union family, the idea of a holiday that everyone could enjoy, regardless of religion, political beliefs, or cultural differences, appealed to many. Numerous credit unions began to distribute CU Day promotional materials, and the day of honor and recognition came to be acknowledged globally. In January 1971, the World Council of Credit Unions, Inc. (WOCCU) was established in order to aid the substantial worldwide credit union progress. At the time, about 38 million members belonged to 24,000 credit unions globally. In that same year, WOCCU created the first ICU Day materials that were used around the world. CU Day had officially become ICU Day. Today, ICU Day celebrates the common roots of 186 million credit union members in 97 countries. The credit union movement has come a long way since the first financial cooperative was established in Germany just 163 years ago. As we observe past achievements and look forward to the accomplishment to come, we invite you to join us in celebrating ICU Day on October 20, 2011. n

Why do 184 million people worldwide choose credit unions? Because credit unions create opportunities for families, strengthen communities and contribute to building a better world. On October 20, 2011, join credit union members around the globe in celebrating International Credit Union Day® and experience the credit union difference. Visit us on Thursday, October 20 as each Guardian Credit Union branch will celebrate ICU Day with refreshments and give-aways in the lobbies!

Copyright 2011 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

New look for Online Banking

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long with the computer conversion, we have a new look to the Guardian Connection online banking system. This updated product offers the same convenient options of banking from home or work such as making transfers, making loan payments, checking balances, seeing checks that have cleared, ordering new checks, and paying bills. Should you have any questions about the new Guardian Connection functions or logging on for the first time, please call us at 334-244-9999, and we will be glad to help walk you through the new system. We have also set up a demo link tutorial on our homepage. Just click the link, and you will be directed to the demo site for a quick learning session. n


Where You Belong Banking on Your Schedule is Even Better! Make the most of our 24-Hour Convenience Services CALL The GuardianLine Account Information - 1-800-662-2834 or 334-834-4474

CLICK Visit our website at www.myguardiancu.com for Free Guardian Connection Online Banking, Free Bill Pay or to apply for a loan.

VISIT Montgomery Locations 1789 Cong. W.L. Dickinson Dr. 616 Madison Avenue 418 Madison Avenue 15 E. South St. 3380 Eastdale Circle Prattville Locations 102 Interstate Court 105 N. Memorial Drive

Other Helpful Information Member Care Center 334-244-9999 Toll Free – 1-800-239-7366 Email: memberservices@myguardiancu.com Lost or Stolen Visa Credit Card 1-800-808-7230 Lost or Stolen Visa Debit Card 1-800-662-2834 or 334-834-4474 For a listing of Credit Union Service Center Locations across the nation visit: www.cuservicecenters.com

Q:

Where do cows go on a fieldtrip?

A:

To the moo-seum!

Submitted by Cameron, age 9

Kids – Send in your jokes to a branch office or, with parent’s permission, email to jfoshee@myguardiancu.com. They might get published.

C h e ck out T otally F r e e C h e cking at G uardian .

Help Kids Make the Grade in Personal Finance

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ood money management is an essential life skill. Unfortunately, many Americans lack basic financial knowledge, according to the National Council on Economic Education. That’s why it’s more important than ever to teach kids early on how to save, share, and spend money. Encourage kids – as young as possible – to deposit a portion of their

allowance or gifts of money into their credit union savings account. They’ll have fun making their savings grow and learning about the importance of setting goals. Contact us about our savings options and other ways we can help you teach your kids the value of money. n

Holiday Closings Veterans Day – Friday, November 11 Thanksgiving – T hursday, November 24 Friday, November 25

Christmas – Monday, December 26 New Years – Monday, January 2


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