Page 2 • Dogwood Arts House & Garden Show

• Sprint Credit Union Discounts

Page 3 • TurboTax Discounts! • The Home Show Is Back! • Community Cash Mobs

Page 4 • ORNL FCU Employees Give Back To The Community

• Upcoming Events & Holidays

First Quarter • Vol 49 • No.1

Published quarterly by ORNL Federal Credit Union

Page 1

B.A. Candler Scholarship applications now availableEach year through the University of Tennessee general scholarship fund, ORNL Federal Credit Union

awards a $1,000 scholarship to a deserving student/member with proven excellence in education and social merit. The B.A. Candler Scholarship was started in 1992 and provides $1,000 toward the cost of tuition, books, and other school related expenses.

The Credit Union is now accepting applications for the B.A. Candler/ORNL FCU Scholarship to the University of Tennessee, Knoxville, for the 2014-2015 school year. Applications can be found at www.ornlfcu.com under the Borrow tab by clicking on the Applications link and scrolling down to the B. A. Candler/ORNL FCU Scholarship section at the bottom. Applications are also available at any of the Credit Union’s branch locations. Completed applications must be returned no later than March 1, 2014 to: ORNL Federal Credit Union (ATTN: Scholarship Committee Chair) at PO Box 365, Oak Ridge, TN 37831.

All applicants must complete a FAFSA Form for federal student aid coded for the University of Tennessee filed by February 1, 2014. The FAFSA can be found online at www.fafsa.ed.gov or can be picked up at your local high school guidance counselor’s office.

Only members of ORNL Federal Credit Union and members of their families who are enrolled or plan to enroll in the University of Tennessee at Knoxville and who are pursuing a 4-year degree are eligible to compete for this scholarship. Financial aid is a factor in selecting the recipient. The recipient will be selected by the UT General Scholarship Committee and will be notified by the University of Tennessee Financial Aid Office by June of 2014.

Start the New Year off right by consolidating holiday debt and refinancing high-rate credit card purchases with ORNL Federal Credit Union’s winter signature loan. Rates are as low as 5.99%

APR and terms are available up to 60 months.*The winter signature loan offers a single, low monthly payment and is a smart alternative to

using high interest credit cards. You’ll have easy access to cash for all your purchases and expenses, without the added stress of keeping track of multiple credit card payments.

Enjoy the benefits of your Credit Union membership today with ORNL FCU’s low-rate winter signature loan – but hurry, offer ends January 31, 2014! To learn more, call us at 865.688.9555 or 800.676.5328, visit us online at www.ornlfcu.com, or visit any of our convenient branch locations.* Lowest rate based on 0-24 month terms and ORNL Federal Credit Union’s Qualified Credit Lending Program. New money only. Rates as low as 6.99% for 25-48 months and as low as 7.99% APR for 49-60 months. Your rate and actual terms may vary based on your credit qualifications, amount financed, and loan terms. Estimated monthly payment of $45.22 per $1000.00 borrowed based on 7.99% for 24 months. Other rates and terms available. All rates and terms are subject to change without notice. Certain restrictions apply. Please see a Credit Union loan representative for complete details.

Make your winter brighter with a low-rate signature loan from ORNL FCU!

BENEFITS OF ORNL FCU’S WINTER SIGNATURE LOAN:

• Extra Cash – Fast and Convenient

• Rates as low as 5.99% APR*

• Up to 60 months to repay

• Low monthly payments

2014THURSDAY, MARCH

6th66TH ANNUAL MEETING OF THE MEMBERSHIPOn Thursday, March 6, 2014 at 6:00 p.m.,

ORNL Federal Credit Union will hold its Annual Meeting of the Membership at the

Double Tree Hotel in Oak Ridge, located at 215 S. Illinois Avenue. All members of ORNL

FCU are invited to attend. Chairman and Treasurer reports will be shared along with the

newly elected Board of Directors members.

Page 2

Dogwood Arts is setting the stage for

another outstanding House & Garden

Show with features sure to inspire everyone!

This year, the House & Garden Show

will celebrate its 36th year as the largest

annual fundraiser and signature event for

the Dogwood Arts Festival, an organization

dedicated to promoting and celebrating our

region’s arts, culture, and natural beauty.

This year’s show will take place Friday,

February 14th from 10:00 a.m. to 6:00 p.m. and

Saturday, February 15th from 10:00 a.m. to

7:00 p.m. and Sunday, February 16th from

11:00 a.m. to 5:00 p.m. at the Knoxville

Convention Center. Admission is $10.00 for

adults, $8.00 for seniors (over 65), and $5.00

for youth (6-12 years old). Children five and

under are admitted free. Tickets purchased at

any local ORNL Federal Credit Union branch

will be discounted $1.00 off the ticket price

from January 27th through February 13th.

All proceeds will benefit Dogwood Arts.

Selected as one of the Southeast Tourism

Society’s Top 20 Events for February 2014, the

Dogwood Arts House & Garden Show, presented

by the Knoxville News Sentinel, will feature more

than 200 exhibits sure to spark the imaginations

Learn something new about your home and garden this spring at the Dogwood Arts House & Garden Show!

ORNL FCU members save big with the Credit Union Member Sprint Discount!Tired of paying too much for your cell bill? We don’t blame you. So we’re helping you save with the Sprint Credit Union Member Discount from Invest in America. As an ORNL Federal Credit Union member, you can save on your monthly wireless bills – plus have your activation and upgrade fees waived.

Our members can save:• 10% off1select personal Sprint plans• 15% off1select business Sprint plans• Waived activation fee on new activations• Waived upgrade fee• Available to new and existing Sprint customers2

Consider the Sprint Credit Union Member Discount one of the many perks for being a member!

3 Ways to Get Your Discount:• Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to

be a part of the NACUC_ZZM Corporate ID to save• Click LoveMyCreditUnion.org/Sprint• Visit your nearest Sprint store

Stop paying too much for your wireless services, start saving with the Sprint Credit Union Member Discount today.1 Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans.2 ORNL Federal Credit Union does not guarantee eligibility for Sprint service. The member must meet Sprint’s qualifications for service.

Recreated PMS

of home and garden

enthusiasts. Attendees

can lose themselves in

the Grand Gardens, a

showcase of more than

10,000 square feet of

landscapes constructed by

the region’s top designers,

and find themselves

inspired by interior designers showcasing

innovations for the home. The Herb & Flower

Markets will offer virtually everything colorful and

green that can brighten a garden. Artists will have

artwork on the show floor to bring personality to

your home and garden. Learn a little something

culinary at the Cooking School, go green at the

Green Pavilion, and even see uniquely decorated

room scenes created by interior designers and

retailers as part of the Urban Living series.

Along with local talent, celebrity speakers

from the DIY Network will be on-hand throughout

the weekend at the How-To Entertainment Stage

as they educate and entertain audiences.

Visit dogwoodhouseandgarden.com or

call 865.637.4561 for more show details

as they unfold in the coming weeks including

the entire How-To Stage Entertainment

and Cooking School schedules!

ORNL Federal Credit Union is proud to be

the presenting sponsor of the Dogwood Arts

Festival and we look forward to seeing you at

the 36th Dogwood Arts House & Garden Show!

Page 3

This year you could win triple your refund amount (or the amount you owe) when you do your own taxes with TurboTax. As an ORNL

Federal Credit Union member, simply try any TurboTax Online product and you get an opportunity to win up to $10,000!*

• No tax knowledge needed. TurboTax translates taxes into simple questions about your life, and puts your information in the right places for you.

• Double checks as you go. TurboTax coaches you every step of the way and automatically double checks your return for errors.

• You’re never alone. If you have questions, TurboTax has answers and is ready to help.

Start TurboTax now for free and be entered for a chance to win!

* TurboTax Triple My Refund Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the fifty (50) United States or the District of

Columbia, 18 years of age or older at time of entry. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/27/14. Subject to complete Official Rules and

all applicable federal, state and local laws. For Official Rules including odds of winning, alternate method of entry, and prize descriptions, visit the Official Rules. PRIZES: One

(1) Grand Prize: We will triple the amount of your refund or payment to/from the IRS on your 2013 federal tax return up to a maximum of a $10,000 payout. Winner will

receive a minimum of $3,000 if their refund or payment is less than $1,000 and a maximum of $10,000 if their refund or payment is greater than $3,334. Prize awarded

in the form of a check. Retail Value (RV) up to a maximum of $10,000. Three (3) First Prizes: A check for $2,500. Retail value, $2,500 each. Twelve (12) Second Prizes:

A check for $500. Retail value, $500 each. Maximum retail value of all prizes is $23,500. The odds of winning a prize depend upon the total number of eligible entries

received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22F, San Diego, CA, 92129.

© 2013-2014 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2013. Terms, conditions, features, availability, pricing, fees, service

and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in

the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

Get your taxes done right – and enter for a chance to win up to $10,000! ORNL Federal Credit Union and the Home Builders

Association of Greater Knoxville (HBAGK) invite you to the 63rd Anniversary Home Show™ at the Knoxville Convention Center Friday, January 24th – Sunday, January 26th. Produced locally, the HBAGK Home Show™ will feature area home builders, remodelers, and home improvement professionals eager to talk to you about the latest products and services for your home. If you are looking to build a new home or simply wish to remodel your kitchen, bathroom,

or living space, the HBAGK Home Show™ is for you!

ORNL FCU is proud to continue its sponsorship of the HBAGK, a non-profit organization serving and advocating for the homebuilding industry in East Tennessee. By attending the HBAGK Home Show™, you are supporting our area’s leading champion for the homebuilding industry.

Tickets to the HBAGK Home ShowTM are $10.00 each and will be available for purchase on-site during show hours. Buy your tickets in advance at www.therealhomeshow.com and receive a $2.00 discount per ticket!

The Home Show™

is back again at the Knoxville

Convention Center downtown!

JOIN US AT THE HBAGK HOME

SHOW™:Friday, January 24th12:00 p.m. —8:00 p.m.

Saturday, January 25th10:00 a.m.—8:00 p.m.Sunday, January 26th12:00 p.m.—6:00 p.m.

Momentum continues to grow for ORNL Federal Credit Union’s Small Business Counts Cash Mob program, designed to support local business owners and businesses in the East Tennessee community. The program has been extremely successful since launching in July 2013 and has contributed to thousands of dollars in increased revenue, advertising, and awareness for local businesses just like these:

• Hoskins Drug Store and the Ritz Theatre – Clinton • Smart Toys & Books – West Knoxville• Horn of Plenty Marketplace – Maryville • Nothing Too Fancy – Market Square, Downtown Knoxville • Tea & Treasures – South Knoxville

Success stories are made possible by patrons just like you. Join the campaign by shopping local and nominating a business to host their very own Cash Mob. Complete details about the Cash Mob program can be found by visiting www.smallbusinesscounts.com.

Thank you to all who have attended a Cash Mob and if you haven’t had an opportunity to attend one yet, be sure to follow Small Business Counts on Facebook (www.facebook.com/SmallBusinessCounts ) and Twitter (@ORNLFCUSmallBiz ) for upcoming event dates and locations!

Com

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Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency

Anderson CountyClinton1117 N. Charles Seivers Blvd.

Clinton Food City507 S. Charles Seivers Blvd.

Oak Ridge Main Office221 S. Rutgers Avenue

Oak Ridge Walmart373 S. Illinois Avenue

Knox CountyBearden5505 Kingston Pike

East Knoxville3634 East Magnolia

Farragut11405 Municipal Center Drive

Farragut Kroger189 Brooklawn Street

Fountain City5208 N. Broadway

Karns7228 Oak Ridge Highway

Halls4510 Emory Road

Middlebrook Food City9565 Middlebrook Pike

Millertown Pike5409 Millertown Pike

Morrell Road Food City284 Morrell Road

North Knoxville808 Victor Drive

Northshore Kroger9501 Northshore Drive

Powell Kroger6702 Clinton Highway

South Knoxville7325 Chapman Highway

West Knoxville8721 Kingston Pike

Roane CountyKingston1204 N. Kentucky Street

Oak Ridge National LabP.O. Box 365

Rockwood Walmart1102 N. Gateway Avenue

Loudon CountyLenoir City895 Highway 321 North

Lenoir City Food City1900 Highway 321

Loudon2859 Highway 72

Campbell CountyLaFollette 2229 Jacksboro Pike

Blount CountyAlcoa103 Hamilton Crossing Drive

Maryville Walmart2410 U.S. Hwy. 411 South

Monroe CountyMadisonville4201 Hwy. 411

Hamblen CountyMorristown1730 W. Andrew Johnson Hwy.

Sevier CountySevierville699 Parkway #5

Union CountyMaynardville Food CityUnion Square Shopping Center, Hwy. 33

Loca

tions

DirectorsMarcy Catron, ChairHerb Debban, Vice ChairJama Hill, TreasurerWanda McCrosky, SecretaryLeigha EdwardsRandy GormanCindy MayfieldSam McKenzieJames Payne

Wayne Hood, Recording Secretary

Supervisory CommitteeHarvey Gray, ChairDavid Watkins, Vice ChairGerald Smith, SecretaryVickie CaughronJoel Pearman

PresidentChris Johnson

Offi

cials

UPDATE is published quarterly by ORNL Federal Credit Union as an information service to its members. Questions, comments, and suggestions should be sent to: ORNL Federal Credit Union UPDATE, P.O. Box 365, Oak Ridge, TN 37831.

Telephone: 865.688.9555*

Or Toll-Free: 800.676.5328*All locations except Madisonville, Morristown, and LaFollette

Online Banking™ https://www.ornlfcu.com

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MONDAY JANUARY 20 Martin Luther King, Jr. Day All Offices Closed

FRIDAY—SUNDAY JANUARY 24—26

HBAGK Home ShowKnoxville Convention Center Details on page 3

SATURDAYFEBRUARY 8 Shred Day Karns & Lenoir City branches

9:00 a.m. - 12:00 p.m.

FRIDAY—SUNDAY FEBRUARY 14—16

DAF House & Garden ShowKnoxville Convention Center Details on Page 2

MONDAY FEBRUARY 17 Presidents’ Day All Offices Closed

THURSDAY MARCH 6

Annual Meeting of the Membership

Double Tree Oak Ridge 6:00 p.m.

ORNL FCU employees give back to the community!

Each fall, ORNL Federal Credit Union employees join together to raise funds for

the United Way and the 2013 campaign exceeded expectations as they lived

the credit union motto ‘people helping people’! The theme of this year’s internal

fundraising effort was Uni and Ted Way’s Excellent Adventure, a parody of the

movie Bill and Ted’s Excellent Adventure. The employee United Way campaign was

led by internal advocates who brought new energy and creativity to the fundraising

effort. Money raised for the United Way – including employee donations, ORNL

FCU’s corporate donation, and the interactive employee auction site – totaled

$65,926.21, an increase of over 65% from the 2012 campaign. The success of

ORNL FCU’s internal United Way campaign was a direct effect of all employees

joining together to help better the communities where they live, work, and play! Pictured from left to right: Lisa Thompson, Co-Chair of ORNL FCU employee campaign; Chris Boler, Co-Chair of ORNL FCU employee campaign; Leslie Daugherty, ORNL FCU Loaned Executive; Edwena Crowe, 2013 UWAC Campaign Chair Family; and Charles Crowe, 2013 UWAC Campaign Chair Family.