oh, the places we go - empower federal credit union · pdf file49 kustomz & performance...

A Select Employee Group Newsletter Publication of Empower Federal Credit Union® 1 SUMMER 2016

Oh, The Places We Go... -by Anonymous

Summer is winding down and it seems not a day goes by that we don’t hear that someone is going someplace new! I have been in many places, but I’ve never been in Cahoots. Apparently you can’t go alone. You have to be in Cahoots with someone. I’ve also never been in Cognito. I hear no one recognizes you there.

I have, however, been in Sane. They don’t have an airport; you have to be driven there. I have made several trips, thanks to my friends, family and work.

I would like to go to Conclusions, but you have to jump to get there.

I have also been in Doubt. That is a sad place to go, and I try not to visit there too often.

I’ve been in Flexible, but only when it was very important to stand firm.

I’ve also been in Trouble, but let’s not talk about that!

Sometimes I’m in Capable, and I go there more often as I’m getting older.

One of my favorite places to be is in Suspense! It really gets my adrenalin flowing and pumps up the heart!

So now you’re in The Know. Just thought I’d let you in on it!

At Empower Federal Credit Union, we understand the importance of your journey and are here to help you arrive at your destination comfortably. Hope you enjoy the balance of your summer and thanks for allowing us to serve you along your way!

David Duerr Vice President of Business Developement

David DuerrVice President of Business Development

Welcome New Select Employee Groups (SEGs)1900 Brewerton LLC4754 Cleveland Rd. Inc.49 KUSTOMZ & PERFORMANCEA & K Eurowerx LLCA and B Auto Sales and RepairA1 Day1 Landscaping & Repair LLCAcala TattooADCO PropertiesAden Golden Arrow, Inc.Advanced Plus Medicaid Transportation Inc.Advantage Sales and MarketingAerotekAflacAfs Industries Inc.AG BaggingAG DESIGNSAg Investigations LLCAIM Independent LivingAlicia Mastronardis SalonAll About CleanoutsAll Metro Health CareAllied Appliance ServiceAllsource Fire SupplyAllstate Insurance: Edward ValdesAloft Syracuse Inner HarborAmerican Civic Association, Inc.Amherst Chamber of CommerceAmp It Up ConstructionANGUS’ CATERING SERVICEAquatic WorldArbor Housing and DevelopmentArchitectural Masonry and ConstructionArigo PropertiesArise Cayuga/ Seneca CountyArnold’s Contracting LandscapingArtistic Designs DanceAuburn DoubledaysAuburn Home ImprovementsAuto Insure Agency, Inc.AXIOM Appraisal ServiceBach ProductionsBarnes Performance CyclesBasta On the RiverBDE Holdings, LLCBean Media ProductionsBella FioreBetter Credit 123, LLCBetter Homes and Transport Inc.Bianco`s BarbershopBig Chiefs BBQ and CateringBig Dog GrafixBio-Link, Inc.Bizcreek SolutionsBlackmer Family EyewearBlues Legend Guitars LLCBo-Mer PlasticsBonsai Sales ServicesBrickyard Photography LLCBrine Wells Development, LLCBroome-Tioga BOCESBuffalo Alarm Inc.Buffing by BeccaBurns Kenwick LLCBurren Holdings, LLCC & C SealingC and A LoggingC and J`s Northside PharmacyC Laxton PromotionsCanandaigua Chamber of CommerceCandlewood SuitesCanine ClubhouseCapt. Tims Dive CharterCare Cars of Central New York LLC

Caring Hearts Medical TransportationCarlson Way, Inc.Cars R UsCarter CompanyCaryl Electric Co, Inc.CASH FOR CANSCassoni EnterprisesCayuga County Homesite Dev CorpCC COACH, LLCCC CollisionCcm Construction ManagementCentral Physical & Occupational TherapyCENTRAL WINDSCHB ResidentialCheson Signs and Graphic Inc.Chili`s Grill & Bar #874-LiverpoolChili’s Grill & Bar #0656- SyracuseChili’s Grill & Bar #1365-AuburnChittenango Lumber Co., Inc.ClauterClean Start SystemsClearly Puzzled Games LLCCNY Bluegrass AssociationCNY DEFENSIVE DRIVINGCNY Lawn GatorCNY Veterans Outreach CenterCobb Hill LarenderCobbles West Partners Family LTDCole`s LawncareComfort Energy SolutionsCommercial Roofing and Sheetmetal, Inc.Contemporary ObstetricsCory`s FlooringCSEA Local 449CSM FinishingCURB APPEAL SEALCOATINGCuse CultureCuse FitnessCustom Concrete ContractCw Gabriel Associates, LLCD & L FLOORINGDCL Contracting & Home ImprovementsDead EndDelphia’s Restaurant & BarDem Boys Ent LLCDewald Roofing Co., Inc.Dezzi Dumpster RentalDingles Lakeside Ice CreamDJW`s Flooring SolutionsDks Quality ConstructionDk’s Smokin Bbq Co LLCDoggone WorkoutDopko Inc.Dot`s Southern Soul Food, LLCDR Abatement Inc.Dream CatchersDrive Research, LLCDunlap Lawn and LandscapeDurant Associates, LLCEllis Outdoor Products LLCElmer W. Davis, Inc. RoofingEmpire Brewing CompanyEric Mower and AssociatesEvans Mechanical Inc.Exotic EyewearExpert Computer CareF.R. Stone Construction CO.Family and Children`s SocietyFarrell Riding Co.Felchar Manufacturing CorpFenton Sales, Service and ExcavatingFinger Lakes Bio, LLC

Fingerlakes Towing and Auto RecoveryFirenze Property Maintenance LLCFit For Life Personal TrainingFour Sisters TreasuresFox Fire Golf CourseFred`s A/V SolutionsFreedom General Contractors and Handyman ServicesFresh Line PaintingFriendly Service Lock and AlarmFrito-LayFurry Friends Holistic Pet SpaG and C ManagementG and S of North Syracuse, Inc.G Ward Properties, LLCGemini Pets and Things, LLCGerould`s Professional Pharmacy, Inc.Giarrosso Heating and Cooling Co.GLM LawnsGrace Medical Transport LLCGreat Grace Church of God In Christ, Inc.Greater Binghamton Hospitality & Tourism AssociationGreen Acre Lawn and Garden CenterGruenewald David Law OfficeGuitar Center Store #815H & H Property ServicesH & R Project Associates, LLCHair Bow Design By D&SHanafin MarineHeavenly Helpers RockHelping Hands TransportationHillcrest Design and BuildHilltop Building & Construction LLCHinchey Properties LLCHiscock Legal Aid SocietyHofmann Sausage Co.Holiday Inn ExpressHome Decor LiquidatorsHome Decor Liquidators- BuffaloHome Inspection Experts Inc.Homesense, LLCHydra Technology CorporationI Apologize FoundationI-86 Collision CenterIan M Farrell Insurance Agency LLCICOM Technologies DBA Syracuse Business TVIlion True Value HardwareInksmen Tattoo Co., LLCInspire StudiosInstallations UnlimitedIrish Bee, LLCIroquois Nursing HomeJ K Rock, LLCJ. Pearce & Son, Inc.Jacob`s Lawn CareJake’s drywallJamie Ghany, PHDJB Wall Street GrillJC PlowingJDM ConstructionJenkins Real EstateJLP EnterprisesJMD PaintingJoes Window CleaningJohnson Controls, Inc.Joy Process MechanicalJP’s Marine Storage, LLCJTS RemodelingJTS Systematic Company, IncK2 CenterKcup KrazyKdcooperKmart Store #4125

We Play AdventuresWeather-Tec Enterprises, Inc.Weekend WarriorWeis Markets- ElmiraWeller Hardwoods, LLCWhite Cap CreameryWhitetail ConstructionWindsor Property Group LLCWinners Wine and SpiritsXylem Inc.Zalatan DentalZam Zam Property Management

Knight of Columbus 733 Utica AssemblyKoala Care Childcare CenterKohl`s-VictorKool Mamas KitchenKourtesy ToursKristin’s K-9 CareL V PaintingLaBella Baskets and GiftsLakeshore Bait & TackleLannas Uptown Auto Inc.Larkins RestaurantLC Massage TherapyLegacy Music, LLCLet It Shine CleaningLifesource Health, Inc.Liverpool Shoes, Inc.LoPiccolo’s Auto Group, LLCLularoe Betsy Rose Inc.LVD Strippit, Inc.Lynch’s Landscaping of NY, LLCLywire Entertainment, LLCMAC Administrative ServiceMagnosi Enterprises, Inc.Maguire Dodge Ram of SyracuseMaguire Nissan of SyracuseMANE AttractionMarathon Grounds CareMarriott Syracuse DowntownMarteau Technology GroupMartens Companies, LLCMatthew House Inc.Mavis Discount Tire- Horseheads store #137McCann Mechanical ContractingMcClure`s NY DeliMedia WolvesMeg Klamm Interior Decoration Inc.Michael Mcconnell Concrete, Inc.Michael’s Transport ServiceMikes Auto Sales and ReconditioningMillard Enterprises, LLCMiss Priss Wedding PlanningMixupMonro Muffler Brake and Service Store #383Monro Muffler Brake and Service Store #62Monro Muffler Brake and Service Store #101Monro Muffler Brake and Service Store #55Monro Muffler Brake and Service Store # 52Monro Muffler Brake and Service Store # 56Monro Muffler Brake and Service Store #100Monro Muffler Brake and Service Store #32Monro Muffler Brake and Service store #325Monro Muffler Brake and Service Store #353Monro Muffler Brake and Service Store #361Monro Muffler Brake and Service Store #455Monro Muffler Brake and Service Store #458Monro Muffler Brake and Service Store #51Monro Muffler Brake and Service Store #57Monro Muffler Brake and Service Store #60Mow-n-mulch CoMs. Judy`s Hair PlusNagehom, LLCNathanael Greene`s Publick HouseNational Correctional Service, LLCNatural Senses Massage Therapy P.CNetwork Craze Technologies, Inc.New Vision IndustriesNew York Bus SalesNew York RidersNew York Wedding ExpoNiagara Lutheran Health SystemNo Cars on Mars CollectablesNobles Tire CityNorth Country LandscapingNorth Side AutomotiveNorth Street Diner, LLCNorthern Electric Contractors

Northrup Insurance AgencyNORTHSTARS Boys LacrossNucor SteelNutrisport Distributors Inc.Nutrition ConsultantNuttshell Marketing ServicesNZK Property MaintenanceOak Hill StablesOGGI Concrete Forms & Accessories Inc.OIM Squared Inc.Old Union HotelOnondaga County Deputy Sheriffs Benevolent AssociationOnondaga Nation ArenaOriginal Pancake HouseOrkinOswego Pads, LLCP & N ConstructionPaladinos Cicero PizzaPapas To GoPapayaPastas On The GreenPatricia Electric Inc.Pawpals PlaytimePeace of Mind Transport, LLCPearl ServicesPenird`s Snow Plow and Lawn ServicePeppino`s Neapolitan RestaurantPepsiPerfectly Pickled Products, LLCPerformance Heating and CoolingPerisight, LLCPerryville Power EquipmentPiccadilly SquarePlace Financial AdvisorsPlatinum Power WashingPondviewPorch Light Properties CNY, LLCPorchlight Theater ProductionsPost RealtyPowerhouse Gym Syracuse Inc.Precision RampsPrecision Wood Stairs, LLCPUCCI BRONSON, LLCR & N ProductsR. Knittel Home Improvement Inc.Ralph G Waldron Jr. Contractor, LLCRapistak CorporationRaulli & Sons, Inc.Raymond’s Pizza & Summertime TreatsRecovery Support Inc.Red Dragon House, LLCRedline Recreation, LLCReformed ChurchReign Fit, LLCReymore ChevroletRicher Show HorsesRockewll RD Inc.Rolince Property Improvement, LLCRooster’s Lawn ServiceRoser Communications NetworkRowley’s Onsite RV ServiceRPH Consulting Inc.RRTRural Health Network of South Central New York, Inc.Ryan James Landscape Management, LLCRyan Painting & RenovationsSaber TransportationSafe Home InspectionsSafiyyah’s StylesSalon 32, LLCSal’s Pizza BaldwinsvilleSalt Lake City Skates, Inc. (DBA Skating Club of CNY)Sand Stone and SnowSc Packaging, Inc.

Schuster Construction, LLC.comScott Bowman ConstructionSerinity NailsShelby FarmsSimple Roast Coffee Company, LLCSip Empire CorporationSite-one ConstructionSkaneateles Town SquareSlavicks Installations, LLCSleep NumberSmall Hands and FootprintsSmokey Bones Bar and Fire Grill #7583SMP RepairSolution-To-PcSorbello`s Produce and NurserySoulamander, Inc.Southern Tier Balloon ToursSouthern Tier NY American Poolplayers AssociationStanley Center for the ArtsStarpine Properties, LLCStay Play and GrowStephen L Barker MD, PCStone Island CNY, LLCStonewell Bodies and Machine Inc.Subway Store #11332Subway Store #24433Subway Store #26361Subway Store #366Sum Fin FishySummit Medical TransportSunshine ProductsSuperior Builders of CNY Inc.Superior FenceSweet Valley ProduceSyracuse Quality LivingSyracuse Select BasketballSyracuse Sheet Metal Co. Inc.Syracuse Tree & Stump RemovalSyraucseTypographical Union 55T&O Realty Associates, LLC (DBA Tora Crushing & Screening)Taylor Precision MasonryTDJ Home Enterprises LLCTeleride Medical TransportationThe Art Of Life StudioThe Sand BoxTile & Carpet Town Carpet One Floor and HomeTitan Roofing, Inc. Utica TJ Sheehan Distributing Inc.TJMG1, LLCTj’s Hydroponics Inc.TLC Emergency Medical Services Inc.T-Mobile Store #4486Top Hat AuctionsToughpups and Pampered PrincessesTown of SalinaTown of Salina Highway Dept.TPC PropertiesTranquil MemoriesTranquil Way LLCTREE’S ConstructionTrek and RoamTrix of “66” - 50th Class Reunion Inc.TT Contracting, LLCUltimate View YardscapesUniqueimpact IncUpstate NailsUrban Earth GraphicsUs Mobile Detailing Inc.Valley Hair ConnectionVanderburg Enterprises LLCVincent Cramer Lawn & SNVisionworksVSC Properties, LLCWalker Tree Care, Inc.We Fly

Welcom

e New

Select Em

ployee Groups (SE

Gs)

New Law to Affect Refunds in 2017... Which May Cause DelaysA new law requires the IRS to wait until Feb 15 2017 to send refunds to households receiving the Earned Income Tax Credit (EITC) and Additional Child Tax Credit (ACTC) during the opening weeks of the 2017 filing season.

This action is driven by the Protecting Americans from Tax Hikes Act of 2015 (PATH Act) that was enacted into law on December 18, 2015. The new law mandates that no credit or refund for an overpayment for a taxable year shall be made to a taxpayer before February 15 if the taxpayer claimed the Earned Income Credit (EITC) & Additional Child tax Credit (ACTC) on the tax return.

This change begins January 1, 2017 and may affect some returns filed early in 2017.

lTo comply with the law, the IRS will hold refunds on EITC and ACTC related 2016 returns until February 15, 2017.

lThis allows additional time to help prevent revenue lost due to identity theft and refund fraud related to fabricated wages and withholdings.

lTaxpayers should file as they normally do, and tax return preparers should also submit returns as they normally do.

lThe IRS still expects to issue most refunds in less than 21 days, though the IRS will hold refunds for EITC & ACTC related tax returns filed early in 2017 until February 15 and then begin issuing the affected refunds.

Now is a Good Time to Plan for Next Year’s TaxesYou may be tempted to forget about your taxes once you’ve filed but some tax planning done now may benefit you later. Now is a good time to set up a system so you can keep your tax records safe and easy to find.

Here are some tips to give you a leg up on next year’s taxes:

Take action when life changes occur. Some life events can change the amount of tax you owe. Examples include a change in marital status or the birth of a child. When these happen, you may need to change the amount of tax withheld from your pay.

Report changes in circumstances to the Health Insurance Marketplace. If you enroll in insurance coverage through the Health Insurance Marketplace for 2016 coverage, you should report changes in circumstances to the Marketplace when they happen. Report events such as changes in your income or family size. Doing so will help you avoid getting too much or too little financial assistance.

Keep records safe. Print and keep a copy of your 2015 tax return and supporting records together in a safe place. This includes W-2 Forms, Forms 1099, bank records and records of your family’s health care insurance coverage. If you ever need your tax return or records, it will be easier for you to get them. For example, you may need a copy of your tax return if you apply for a home loan or financial aid for college. You should use your tax return as a guide when you do your taxes next year.

Stay organized. Make tax time easier. Have your family put tax records in the same place during the year. That way you won’t have to search for misplaced records when you file next year.

Think about itemizing. You may be able to lower your taxes if you itemize deductions instead of taking the standard deduction. Owning a home, paying medical expenses and qualified donations to charity could mean more tax savings.

Tax Preparation services are performed by employees of Empower Associated Services, Inc., a wholly owned subsidiary of Empower Federal Credit Union. Empower Federal Credit Union is not providing tax

or legal advice.

If you have any questions please feel free to contact Empower Associated Services tax department at 315.426.5678 and an Enrolled Agent or an experienced tax preparer will answer your tax questions.

SEGWay | SUMMER 2016 | Empower Federal Credit Union®

Helping in the Community!

Ice Cream Days,

Ribbon Cuttings,

Yard Work,

Charity Golf events,

Seminars,

Lunch n’ Learns,

Community events

and more...


FOR INTERNAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.


Paul MooneyVP of Financial Investments

Services & Retirement SolutionsProgram Manager - CUSO

Financial Services, L.P.

Eleven Ways to Help Yourself Stay Sane in a Crazy Market

Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides.

It’s useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. So, here are 11 ways to help keep yourself from making hasty decisions that could have a long-term impact on your ability to achieve your financial goals….and a bonus to really help you stay sane in a crazy market…..

1. Have a game plan Having predetermined guidelines that recognize the potential for turbulent times can help prevent emotion from dictating your decisions. For example, you might take a core-and-satellite approach, combining the use of buy-and-hold principles for the bulk of your portfolio with tactical investing based on a shorter-term market outlook. You also can use diversification to try to offset the risks of certain holdings with those of others. Diversification may not ensure a profit or guarantee against a loss, but it can help you understand and balance your risk in advance. And if you’re an active investor, a trading discipline can help you stick to a long-term strategy. For example, you might determine in advance that you will take profits when a security or index rises by a certain percentage, and buy when it has fallen by a set percentage.

2. Know what you own and why you own it When the market goes off the tracks, knowing why you originally made a specific investment can help you evalu-ate whether your reasons still hold, regardless of what the overall market is doing. Understanding how a specific hold-ing fits in your portfolio also can help you consider whether a lower price might actually represent a buying opportunity. And if you don’t understand why a security is in your port-folio, find out. That knowledge can be particularly important when the market goes south, especially if you’re consider-ing replacing your current holding with another investment.

3. Remember that everything is relative Most of the variance in the returns of different portfolios can generally be attributed to their asset allocations. If you’ve got a well-diversified portfolio that includes multiple asset classes, it could be useful to compare its overall performance to relevant benchmarks. If you find

that your investments are performing in line with those benchmarks, that realization might help you feel better about your overall strategy. Even a diversified portfolio is no guarantee that you won’t suffer losses, of course. But diversification means that just because the S&P 500 might have dropped 10% or 20% doesn’t necessarily mean your overall portfolio is down by the same amount.

4. Tell yourself that this too shall pass The financial markets are historically cyclical. Even if you wish you had sold at what turned out to be a market peak, or regret having sat out a buying opportunity, you may well get another chance at some point. Even if you’re consider-ing changes, a volatile market can be an inopportune time to turn your portfolio inside out. A well-thought-out asset allocation is still the basis of good investment planning.

5. Be willing to learn from your mistakes Anyone can look good during bull markets; smart investors are produced by the inevitable rough patches. Even the best investors aren’t right all the time. If an earlier choice now seems rash, sometimes the best strate-gy is to take a tax loss, learn from the experience, and apply the lesson to future decisions. Expert help can prepare you and your portfolio to both weather and take advantage of the market’s ups and downs.

6. Consider playing defense During volatile periods in the stock market, many investors reexamine their allocation to such defensive sectors as consumer staples or utilities (though like all stocks, those sectors involve their own risks, and are not necessarily immune from overall market movements). Dividends also can help cushion the impact of price swings. According to Standard & Poor’s, dividend income has represented roughly one-third of the monthly total return on the S&P 500 since 1926, ranging from a high of 53% during the 1940s to a low of 14% in the 1990s, when investors focused on growth.

7. Stay on course by continuing to save Even if the value of your holdings fluctuates, regularly adding to an account designed for a long-term goal may cushion the emotional impact of market swings. If losses are offset even in part by new savings, your bottom-line number might not be quite so discouraging. If you’re using dollar-cost averaging--investing a specific amount regularly regardless of fluctuating price levels--you may be getting a bargain by buying when prices are down. However, dollar cost averaging can’t guarantee a profit or protect against a loss. Also consider your ability to contin-ue purchases through market slumps; systematic invest-ing doesn’t work if you stop when prices are down. Finally,



Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

remember that the return and principal value of your invest-ments will fluctuate with changes in market conditions, and shares may be worth more or less than their original cost when you sell them.

8. Use cash to help manage your mind-set Cash can be the financial equivalent of taking deep breaths to relax. It can enhance your ability to make thoughtful decisions instead of impulsive ones. If you’ve established an appropriate asset allocation, you should have resources on hand to prevent having to sell stocks to meet ordinary expenses or, if you’ve used leverage, a margin-call. Having a cash cushion coupled with a disciplined investing strategy can change your perspective on market volatility. Knowing that you’re positioned to take advantage of a downturn by picking up bargains may in-crease your ability to be patient.

9. Remember your road map Solid asset allocation is the basis of sound investing. One of the reasons a diversified portfolio is so important is that strong performance of some investments may help offset poor performance by others. Even with an appropri-ate asset allocation, some parts of a portfolio may struggle at any given time. Timing the market can be challenging under the best of circumstances; wildly volatile markets can magnify the impact of making a wrong decision just as the market is about to move in an unexpected direc-tion, either up or down. Make sure your asset allocation is appropriate before making drastic changes.

10. Look in the rear-view mirror If you’re investing long term, sometimes it helps to take a look back and see how far you’ve come. If your portfolio is down this year, it can be easy to forget any progress you may already have made over the years. Though past performance is no guarantee of future returns, of course, the stock market’s long-term direction has historically been up. With stocks, it’s important to remember that having an investing strategy is only half the battle; the other half is being able to stick to it. Even if you’re able to avoid losses by being out of the market, will you know when to get back in? If patience has helped you build a nest egg, it just might be useful now, too.

11. Take it easy If you feel you need to make changes in your portfolio, there are ways to do so short of a total makeover. You could test the waters by redirecting a small percentage of

one asset class to another. You could put any new money into investments you feel are well-positioned for the future, but leave the rest as is. You could set a stop-loss order to prevent an investment from falling below a certain level, or have an informal threshold below which you will not allow an investment to fall before selling. Even if you need or want to adjust your portfolio during a period of turmoil, those changes can-and probably should-happen in gradual steps. Taking gradual steps is one way to spread your risk over time, as well as over a variety of asset classes.

BONUS…Call Empower Investment Services & Retirement Solutions

To make sure you have strategies in place that prepare you financially to handle market volatility, call the professionals at Empower Investment Services & Retirement Solutions.

We can help you stay sane in this crazy market! Call us today at 800.462.5000 ext. 5434.


Article supplied by Broadridge Investor Communication Solutions, Inc. Materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable. The information in these materials may change at any time and without notice.

Protecting the things you value most.

Insurance is offered through Empower Associated Services, Inc., (EAS) a wholly owned subsidiary of Empower FCU. The purchase of insurance from EAS is not required to obtain credit or other services from Empower FCU. Insurance products are not credit union deposits and are not NCUA insured, nor are they obligations of or guaranteed by Empower FCU. Not all insurance products are available in all states. Call for availability in your state.

Talk with an Agent to review your insurance needs.315.426.5678 option 2 • empowerfcu.com/insurance


Gail Rizzo-SpilkaSyracuseext. 5813

Empower’s Business Development Team800.462.5000 or 315.477.2200

Lauri HooverCicero

ext. 3474

Beverly BarryCheektowaga

ext. 5464

Zach MajkaJohnson City

ext. 3498

Kurt BartensteinRegional Business Development

Manager - Elmira

ext. 3444

Greg MillsFulton/Oswego

ext. 3493

Theresa RockwellMohawk Valley

ext. 3524

John ReyRegional Business Development

Manager - Syracuseext. 5122

Bianca CurtinBusiness Development Coordinator

ext. 5143

Melissa FlaskAuburn

ext. 5436

Welcome.....We welcome Greg Mills to Empower Federal Credit Union’s Business Development team!

Greg joined Empower on Monday, July 25.

He is taking over our SEG relationships in Northern Onondaga and Oswego counties.

We’re pleased to have Greg’s wealth of experience in cultivating relationships with business members and potential members. He has an eagerness to meet the credit union needs of Empower’s Select Employer Groups’ employees and families.

Welcome Greg!

Business services atEmpower Federal Credit Union®

Our Members and Member Companies need to focus on building their business and making their dreams a reality. Our professional Member Business Services staff can assist in reaching these goals.

They are here to assist in managing your cash flow effectively and efficiently with:Commercial real estateWorking capital lines of credit Equipment loans Deposit account optionsElectronic servicesand MORE! For more information or to get started designing your plan, contact the Business Services department today to schedule a free, no-obligation appointment:315.728.5092 / 800.462.5000

Business Solutions

www.empowerfcu.com

6/15 1M

For a Business Services Representative,

call 800.462.5000 or email

[email protected]

SEGWay | SUMMER 2016 | Empower Federal Credit Union®This Credit Union Is Federally Insured By The National Credit Union Administration.

Your New Favorite Tool

Home Equity Loan

Rates as low as

3.24%apr*

APR* = Annual Percentage Rate. Rate shown in effect as of 8/1/16 and is subject to change at any time without notice. Your Annual Percentage Rate for all loans will vary based upon creditworthiness, duration of the loan, type of collateral pledged and the total loan to value. The interest rates shown are “as low as”. The rates shown include a discount for Loan Payment through Direct Deposit and/or Share Transfer. Property insurance is required. Consult a tax advisor regarding the deductibility of interest. Your Annual Percentage Rate for all loans may vary from the stated based upon creditworthiness and discounts.

800.462.5000 • empowerfcu.com

Watch for our

Western Lights Branch

at

4729 Onondaga Blvd.

Syracuse, NY

Opening in late 2016!

New Branch

Coming Soon!

oh, the places we go - empower federal credit union · pdf file49 kustomz & performance...

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