2008 Election Results

The elected officials who will be serving you in the coming year are:
Board of Directors
Larry Vangilder     Steve Bauer     Rick Clawson     Jim Loveless     Mike Jones     Dee Rackers     Michael Hubbard
Supervisory Committee
Marty Beck     Frank Hejna Jr.     Kim Reilmann     Lisa Anderson

Annual Credit Check
If someone is applying for credit in your name and you haven't noticed any warning signs, you're likely to catch this by annually reviewing your credit report from all three credit bureaus. 

Why all three bureaus?  Few lenders report to all three bureaus.  You get the full story when you order all three reports.  You can contact any one bureau to order all three reports.

Beginning in 2005, the federal Fair Credit Reporting Act requires all three credit bureaus to provide you a free credit report, at your request, every 12 months.

Working together, the bureaus have established a single, secure web site and phone number to meet this requirement.  Do not contact the bureaus directly.  Instead contacting (877-322-8228) or www.annualcreditreport.com.  Note:  You will be asked to provide your Social Security number.

When you receive your credit reports, check all information for accuracy, especially personal and current accounts information.

Take a close look at the list of credit history inquiries.  This section is often divided in two.  One is requests initiated by you (to get a loan, a credit card, or insurance).  Look for suspicious entries, such as credit cards or loans issued for which you did not apply.  The other type of inquiry is requests initiated by others.  These promotional inquiries do not affect your credit.

If you find an error in one of your accounts (such as late payment) write the credit bureau to begin an investigation.  You can do this online.  The dispute process can take up to 30 days.

If you find a fraudulent account, call the bureau and ask for fraud victim assistance.

Remember to request your credit history each year. 

Heres how it works

The credit unions EBP system offers some unique features designed to save time when you schedule payments. For example, you can schedule recurring payments of the same amount (i.e. your home mortgage) to be paid automatically each month. In addition, you can establish payee profiles to avoid entering contact information each time a bill is to be paid. This streamlines the bill paying process even if the amount to be paid varies from month to month.

To ensure your payments are received on time, all you have to do is schedule it five days prior to the bills due date.

The credit unions EBP unlimited access service is free to all members. If you're like most people, time is getting more and more valuable. It seems that stopping by the post office to pick up stamps, sitting down to write out a share draft for each bill  and remembering to drop them in the mail doesn't always fit into the hustle and bustle of daily life. The conveniences of having extra time and less stress are worth the investment.

If you have any questions or would like to sign-up for the credit unions EBP service, please contact Member Services at 573-522-4000. Or, pick up an application the next time you stop by the credit union.

CECU Is Proud To Partner With AFLAC! 
Offering to All CECU Members: Dental Plans,
Accident Plan, Cancer Plan at a very affordable price!
Today matters, so does Aflac!

In case of an accident or illness, its reassuring to know that you have a poised and compassionate friend in Aflac.  Immediate and responsive, our policies help give you control when life seems to take it away.  Cash benefits personally owned and managed to help you get back on your feet thats the real Aflac difference. 

Aflac If only everything in life worked this well.

• Escalating deductibles, co-payments, out-of-network charges, and any other expenses not picked up by your major medical coverage.
• Travel-related expenses for treatment in distant medical Centers, including airfare, hotels, and meals. 
• Everyday living expenses like mortgage (or rent) payments, car notes, groceries, and utility bills.
• Lost income, resulting in a double whammy if the healthy spouse has to leave work to care for the recuperating one.

For more information please contact
Amy Berhorst or Debbi Schrimpf at #866-421-3755  

 Members Financial Network is a suite of on-line financial tools designed especially for members of our credit union.  It includes on-line securities trading, money management tools, financial calculators, access to insurance and other financial products, an on-line financial library, and more.