Posts Tagged 'american1'

$1000 holiday cash winner

Congratulations to Wendy Shaw of Jackson – she was our $1,000 holiday cash winner from our Winter Vehicle Sale.

Wendy financed a Ford Freestyle at the sale. “We like the van even better now,” her husband Fred said.

And indeed, Wendy couldn’t believe she was the winner when we called. But now that she has that extra $1,000, she’s using it all to go Christmas shopping for her five grandkids.

Congratulations Wendy!

American 1 holiday hours 2010

snowy pine cone

We’re quickly approaching the holiday season. Here are our branch closing hours from Thanksgiving to New Year’s:

  • Branches closed Thursday, Nov. 25 for Thanksgiving
  • Branches will close early, at 1 p.m., on Friday, Dec. 24 for Christmas Eve
  • Branches closed Saturday, Dec. 25 for Christmas
  • Branches closed Saturday, Jan. 1 for New Year’s Day

Have a safe and happy holiday season!

Incorrect address fee (and why)

As of July 1, 2010, we started charging a $5.00 monthly fee to any account that has an American 1 Federal Credit Union mailing returned to the credit union because of an incorrect address.

An account is flagged when a mailing is returned and members have 30 days to update the address before the fee will be imposed. Once the member submits a proper change of address, the account will no longer be charged the incorrect address fee. If the monthly incorrect address fee charged takes the account to a zero balance, the account will be closed.

We receive way too much mail that gets returned to the credit union because of incorrect information. Because of out-of-date addresses, too much postage and paper are wasted.

On your next branch visit, make sure we have your up-to-date address, phone number, and e-mail address on file. Or contact us and make sure your information is up to date. As always, the best option is signing up for e-statements – that way, your monthly statements and notices are e-mailed to you, helping us to reduce waste.

Fall Women’s Expo winners

Fall Women's Expo - Gold Crown winners

Congratulations to (from left to right) Karen Lond, Della Turk, and Cindy Briskie – our 2010 Fall Women’s Expo jewelry winners, thanks to Gold Crown Jewelers.

Fall Women's Expo - Karen Lond

Karen Lond, our first place winner, won a 1/2 karat diamond necklace. Karen takes a day for her and her friends at the expo, making it a girl’s day out, she says.

Fall Women's Expo - Della Turk

Della Turk won the second prize: a 10 karat gold bracelet with diamond accents. Getting to the expo early is Della’s strategy, especially to get a good parking spot.

Fall Women's Expo - Cindy Briskie

Cindy Briskie won our third-place sterline silver cubic zirconia ring. Cindy takes her out-of-town sisters to the expo to enjoy the day.

“We jump on the shuttle bus,” she says. “It’s much easier.”

Congratulations to all three winners, and thanks to Gold Crown Jewelers for providing our Women’s Expo prizes. Look for your chance to win at our Spring Women’s Expo, coming March 12, 2011.

Check out all the pictures from this fall’s expo at our Flickr gallery.

Branches opening late for fall quarterly

American 1 branches will open later on Wednesday, Oct. 13 for our quarterly staff meeting.

Jackson-area branches will open at 10 a.m., while those branches outside of Jackson will open at 11 a.m.

We do these quarterly meetings for staff training, education, and team-building once a quarter, usually in October, January, April, and July – and usually in the middle of the month.

Sorry for any inconvenience!

Beware new text scam

The Jackson Citizen Patriot reported on a text messaging scam affecting some of our members and non-members:

People are receiving text messages asking them for banking information, a news release from the sheriff’s office stated.

The messages are sent to mobile phones saying PIN numbers or debit card information have been lost from bank records. The message asks people for banking or debit card information, according to the release.

The text messages started appearing Sunday night, says the report.

Beware of text messaging scams like these, and know that American 1 would never ask you for your account information via text, or for your PIN. That’s personal account information that, chances are, we already have.

In fact, American 1 doesn’t engage in any text messaging program right now. If we ever did (for account updates, say, but not phishing for information), we’d be sure to let you know.

If you did respond to this text message, please let us and the Jackson County Sheriff’s office know.

UPDATE: We had an employee receive the text. Here’s what it read:

American 1 FCU Alert: Your CARD has been DEACTIVATED. Please contact us at 877-733-7240 to RECATIVATE your CARD

She also said it appeared to have come from her own phone, which makes this thing extra tricky.

Read our list of things to keep in mind when it comes to these kinds of fraud schemes.

In the news: Chelsea Kids’ Fest

Chelsea Kids' Fest - Practice

It was a beautiful, sunny day at our Chelsea Kids’ Fest this past Wednesday. You can check out pictures from the event at our Flickr photo gallery.

The Jackson Citizen Patriot had a nice write up on the event in Thursday’s paper. Check it out.

Thanks for everyone who came! If you’re interested in participating next year, visit our Kids’ Fest page for contact information.

Video: Jackson County Rose Parade 2010

Miss the Rose Parade this year? Fear not: we have a short video recap for you over at our YouTube channel.

The All-American Lumberjack Show was a new addition this year, and everyone who came to the Party in the Park after the parade loved it. We got some action shots from the contest at the end of the video.

Check out last year’s Rose Parade over at our YouTube channel, too.

American 1’s GAP more affordable

Jessee Frey-Cochrane

People say good things come in threes, but Jessee Frey-Cochrane found out that bad luck can come in twos.

In the span of one year, Jessee had to use American 1’s Guaranteed Asset Protection (GAP) twice on different vehicles.

In August 2006, Jessee’s “summer vehicle,” a 1995 Pontiac Bonneville in great condition, suffered from a sunroof seal leak and was wrecked by mold damage. Her insurance company ruled the damage as a total loss. The next year, in April 2007, her 2004 Ford Freestar caught fire after an electronic harness defect, leading to another ruined vehicle.

Thanks to her GAP coverage, the difference between what Jessee owed on her vehicles and what the insurance company offered her in settlement disappeared.

“It really paid for itself,” Jessee, an American 1 member since 1998, says, “especially after I used the $1,000 GAP Advantage towards my next vehicle.”

Jessee, a Grass Lake resident, knew about GAP coverage as a licensed insurance agent, and shopped around for the best deal. She didn’t find it at a typical dealership, where the GAP price is based on the vehicle’s cost – and can be double or triple the price.

“American 1’s GAP was a flat rate,” she says. “So now I tell people to go to a local credit union – it’s cheaper than the dealership.”

It could just be bad luck that two of her vehicles were totaled within a year. American 1’s GAP coverage, however, helped Jessee balance the score.

“I won’t purchase a vehicle without GAP ever,” she says.

What ‘local’ really means to us

Does the bank support community events or do they just pocket the money they earn? Do they have really good customer service or is it usually easier to just go use an ATM?

Most of the benefit of buying local comes from the fact that many local shops are involved with supporting the communities they serve…If the local bank doesn’t provide any value for being local – meaning they just scoop away money out of the community – I don’t value them any higher than any other bank. It becomes just a pure rate comparison.

Here, in an excerpt from The Simple Dollar, is American 1 in a nutshell.

As a not-for-profit credit union, we’re obligated to return our “profits” back to our members and our community. So while other financial institutions may keep the fees they charge you, we turn around and invest them in community events all year long.

That’s what being a “local” financial institution really means: giving back to the communities we serve.


American 1 Federal Credit Union