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INSIGHTS INSIGHTS INSIGHTS AODFCU.COM KEY FINANCIALS $ 302,295,696 (as of 11/30/18) TOTAL ASSETS $173,087,893 TOTAL LOANS (256) 237-9494 (800) 637-0299 (256) 237-3285 LOCAL TOLL FREE FAX P.O. Box 608 Bynum, AL 36253 CORRESPONDENCE 1ST QUARTER 2019 A NEWSLETTER FOR MEMBERS OF AOD FEDERAL CREDIT UNION INSURED BY Happy New Year from AOD Federal Credit Union. I am pleased to share that 2018 has been another successful year for the credit union. AOD Federal Credit Union continues to provide our members with competitive interest rates, evolving products and services, and Quality Member Service. From the inceptions of the credit union back in 1950 till present the credit union benefits from a rich history and steady growth. As we move forward into 2019 we have many exciting ventures on the horizon and I look forward to sharing these with the members throughout 2019. I want to thank the membership for their continued support. The Board of Directors, Management and Staff stand ready to move the credit union forward in 2019. FROM OUR CEO! VIRGINIA BOWEN

INSIGHTS - aodfcu.com · extend the maturity date of your loan(s); 6) You will be required to resume your payments the following month; 7) No more than two (2) payments per loan may

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Page 1: INSIGHTS - aodfcu.com · extend the maturity date of your loan(s); 6) You will be required to resume your payments the following month; 7) No more than two (2) payments per loan may

INSIGHTSINSIGHTSINSIGHTS

AODFCU.COMKEYFINANCIALS $ 302,295,696(as of 11/30/18)

TOTALASSETS $173,087,893TOTAL

LOANS

(256) 237-9494 (800) 637-0299 (256) 237-3285LOCAL TOLL FREE FAX

P.O. Box 608 Bynum, AL 36253

CORRESPONDENCE

1ST QUARTER 2019A NEWSLETTER FOR MEMBERS OF AOD FEDERAL CREDIT UNION

FEDERALLY INSURED BY INSURED BY

INSIDE

Happy New Year from AOD Federal Credit Union. I am pleased to share that 2018 has been another successful year for the credit union. AOD Federal Credit Union continues to provide our members with competitive interest rates, evolving products and services, and Quality Member Service. From the inceptions of the credit union back in 1950 till present the credit union benefits from a rich history and steady growth.

As we move forward into 2019 we have many exciting ventures on the horizon and I look forward to sharing these with the members throughout 2019. I want to thank the membership for their continued support. The Board of Directors, Management and Staff stand ready to move the credit union forward in 2019.

FROM OUR CEO!VIRGINIA BOWEN

Page 2: INSIGHTS - aodfcu.com · extend the maturity date of your loan(s); 6) You will be required to resume your payments the following month; 7) No more than two (2) payments per loan may

INSIDE APPLY NOW FOR THE AODFCU

SCHOLARSHIP FOR 2019 GRADUATING SENIORS

As a graduating high school senior and primary member of AODFCU, you can apply now for an AOD Federal Credit Union scholarship!

AODFCU offers 15 scholarships valued at $1,000 each annually and 1 Ken Reid Engineering Scholarship valued at $2,000 for those pursuing an engineering degree.

TO QUALIFY:• AODFCU primary member for at least one year

APPLICATION PACKAGE:• AODFCU Scholarship Application may be found at aodfcu.com• Transcript indicating grade point average• ACT documentation for verification of ACT score• Essay - Typewritten essay of the applicant’s personal and/or family involvement/relationship with AODFCU

Mailing Address: AODFCU, Attn: Alison Hardeman, P.O. Box 608 Bynum, AL 36253

PACKAGE MUST BE POST MARKED NO LATER THAN FEBRUARY 15, 2019. NO APPLICATIONS WILL BE ACCEPTED AT THE BRANCHES.

Page 3: INSIGHTS - aodfcu.com · extend the maturity date of your loan(s); 6) You will be required to resume your payments the following month; 7) No more than two (2) payments per loan may

AODFCU LEADERSHIP TEAM

UPCOMINGHOLIDAY CLOSINGS

21JAN

MLK JR. DAYMonday, January 21st

BYNUM334 Victory Dr. Bynum, AL 36253

DEPOTAnniston Army Depot Bldg. 141 Anniston, AL 36201

GREENBRIER 216 E. Greenbrier Dear Rd. Anniston, AL 36207

JACKSONVILLE 1060 JD & L Dr. SW Jacksonville, AL 36265

LENLOCK150 Bill Robison Pkwy.Anniston, AL 36206

OXFORD12 Elm St.Oxford, AL 36203

18FEB

PRESIDENT'S DAYMonday, February 18th

SENIOR MANAGEMENT

CHIEF EXECUTIVE OFFICER VIRGINIA BOWENCHIEF FINANCIAL OFFICER DAVID MOONEYCHIEF OPERATIONS OFFICER RIKKI GRABEN

CHIEF INFORMATION OFFICERROBERT GUICE

SUPERVISORY COMMITTEE

CHAIRPERSONGLORIA “JEAN” NEWTON VICE CHAIRMAN THOMAS A. SMITHCOMMITTEE MEMBER DONTE VINCENTCINDY TAYLOR

BOARD OF DIRECTORS

CHAIRMANGORDON “DOC” WILLIAMSON

DIRECTOR EMERITUS CLYDE L. WESSON

SECRETARY GLORIA “JEAN” NEWTON

TREASURER BOBBY ISRAEL

BOARD MEMBERS LARRY DAUGHERTY, RONALD E. SELF & DELLE BEAN

VICE CHAIRMAN JIM WEBB

COMMUNITY INVOLVEMENT

AODFCU.COMOUR BRANCHES

THE GRAND OPENING OF THE BULLDOG BRANCHat Anniston High School!

TOYSFOR TOTS

STUDENT RUNAODFCU

BRANCH

Page 4: INSIGHTS - aodfcu.com · extend the maturity date of your loan(s); 6) You will be required to resume your payments the following month; 7) No more than two (2) payments per loan may

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GET A HEAD START ON 2019!GET A HEAD START ON 2019! GET A HEAD START ON 2019!GET A HEAD START ON 2019!

Set Up Your Account Today!

people from church; James recognized that with people’s busy lives they often do not have time to do a lot of the small to medium maintenance, repairs and home improvement jobs around their homes. This is why Almarc was born! James has taken opportunities to work with experienced tile and homebuilders learning as much as he could along the way to better serve his customers. Some of the areas that James can help you in are painting, laminate flooring, tile backsplashes, some handyman/home maintenance jobs such as pressure washing, ceiling fan installations, hanging TV’s and more! James can be reached at 256-294-3604 or e-mail [email protected]. Whether it is something you need done or do not have time to do yourself, James would love the opportunity to work with you.

After working 20+ years in various areas of the construction industry, in early 2015 James Forrest started his own business, Almarc Services, L.L.C.

While working in the construction industry and through family, friends and

SEG SPOTLIGHTAODFCU

By participating in AOD Federal Credit Union’s Skip-A-Pay* program, you authorize AODFCU to defer your loan payment(s) as indicated. You agree and understand that: 1) Mortgage loans, Credit Cards, and loans newer than two (2) months may not be eligible for the skip-a-payment program; 2) Payments made through Payroll Deduction or Direct Deposit transfer may be deposited into your Share Savings or Checking Account for the month skipped and will subsequently be available for withdrawal; 3) FINANCE CHARGES will continue to accrue on the unpaid balance during the month you skip your payment and when payments resume, the unpaid interest will be collected first; 4) Deferring your payment will result in your having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 5) Thie payment deferral may extend the maturity date of your loan(s); 6) You will be required to resume your payments the following month; 7) No more than two (2) payments per loan may be skipped in a calendar year. 8) Payment protection and/or GAP insurance may not apply to the extended loan term. Certain restrictions may apply. The offer expires December 30, 2018 for December 2018 skips and Jan. 31, 2019 for Jan 2019 skips.

NEW! Skip your payments online

SKIP-A-Payment for january