Own A Piece Of The ValleyText Box: Volume 27, Issue 4, December 2009 Text Box: HOURS Lobby & Drive-Up Mon, Wed, Thu, Fri 8:30 am — 5:00 pm Tuesday 9:00 am — 5:00 pm Saturday 9:00 am — 12:00 pm CONTACT US 401 S Poplar Centralia IL 62801 Ph: 618-533-6681 Toll Free: 877-860-4357 Fax: 618-533-6601 Email: kvcu@kvcu.org Web Site: www.kvcu.org VISA Lost/Stolen # 800-322-8472 Debit Card Lost/Stolen # 800-523-4175 PREMIUM SHARE CERTIFICATES RATES MINIMUM OF $1000 12 Mo., 1.25%APR/1.25%APY MINIMUM OF $1000 6 Mo., 1.50%APR/1.508%APY PREFERRED CHECKING RATE .50%APR/APY SHARE ACCOUNT RATE Proposed .75%APR/APY ALL CLUB ACCOUNT RATES .85%APR/APY All rates are subject to change without notice, please call for most current rates. Rates Effective 9/9/2009. Text Box: Inside This Issue: *Hours, Contact Us, Rates * Welcome New Members * Membership Contests Are Back * Donations to CMN * Cashing Tax Refund Checks * Depositing Tax Refund Checks * 1099’s by Jan. 31st, 2010 * Word Search Contest * I Need A Loan! Checklist * Annual Meeting Notice * More News Online at www.kvcu.org

NEWSLETTER CONTEST: The next four newsletters will each have one puzzle for members to play and return to the credit    union. The first puzzle is located on the      reverse side of the newsletter. All correctly completed puzzles will be entered into the quarterly drawing. Two members from each contest will be drawn for a $25 Deposit to his/her Savings account. All correct entries will also remain in the drawing for the Grand Prizes to be given away during Credit Union Week in Oct. 2010. Deadline for entry is  11:00 am on Feb. 16th, 2010. Drawing will be held at 3:00 pm.

CU SUCCEED CONTEST: Please look inside your newsletters for contest information

KIRBY KANGAROO CONTEST: Complete and return the Kirby’s Secret Code found   inside your newsletter

One puzzle per household per quarter.  Board members,   employees and their immediate families not eligible.

Membership Contests

Are Back!

Welcome New Members!

On December 1, 2009 Illinois Central Area Credit Union merged with Kaskaskia    Valley Community Credit Union. The staff would like to extend a warm welcome to the ICACU members. We invite you to come in, let us meet you and tell you about all the new services your credit  union has to offer.

 

Welcome from Ruby, Sarah, Linda,      Jamie and Kim.

We hope to see you soon!
Text Box: Cashing That Tax Refund Check. . . Some Things You Need To Know Text Box: Should you decide to receive your refund with a paper check, please be aware that both payees must be present to sign the check. A hold will be placed on any check that has been signed by only one of the payees. Remember, we need at least a one week notice if you will be getting more than $1000 in cash back or by withdrawal from your account. Text Box: Before You Direct Deposit That Tax Refund . . . Text Box: If you are filing your taxes electronically (either over the internet or with a tax professional) please verify your account number and routing number with the credit union first. Incorrect information may delay your tax refund being direct deposited. No member will be allowed to direct deposit a non-members or non-joint members funds. Remember, we need at least a one week notice if you will be getting more than $1000 in cash back or by withdrawal from your account. Text Box: For 2009 you have raised $217.97 for Credit Union’s for Kids/CMN.

1099’s by January 31st, 2010

If you earned $10 or more in dividends for the year of 2009, you can expect a 1099 from the credit union in your mail box by January 31st, 2010.  You can quickly verify if you are going to receive a 1099 by looking at the year to date information on your December 31st, 2009 statement.