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October 2019 Issue 53 Our vision is that United 1st will be our members recommended source for financial soluons through our connued investment in our respected employees and the communies we serve.8170-NL-1019 Federal Credit Union 8170-NL-1019 The Board of Directors of United 1 st Federal Credit Union is currently searching for members to fill two volunteer leadership posions. The first posion is for a seat on the Board of Directors. The other volunteer posion is for a seat on the credit unions Supervisory Commiee. The Supervisory Commiee is appointed by the Board to: Act as the watchdogof the credit union to protect and safeguard member assets, ensure that records are maintained properly, honestly and accurately and to make sure that policies are established according to law and carried out faithfully. Members interested in learning more about these leadership opportunies or to obtain an applicaon may contact Janet Kircher at the credit union at [email protected] Visit one of our branches for some reeshments and your 2020 wall calendar!! Volunteer Positions Open for Application International Credit Union Day October 17, 2019 United 1st FCU is pleased to welcome John McNeil as Manager of our Kingsland Service Center. Like and Follow us on www.united1stfcu.org John comes to us with over 15 years in the banking industry, specializing in consumer lending. He also has an extensive background as a financial advisor, life and health insurance, and real estate appraisal. A graduate of Georgia Southern University with a BBA in Finance, John also attended Brenau University’s MBA in Management program. John is married with four children and resides in St. Marys. He is a member of Rotary, Camden County Chamber of Commerce and Camden Charlton Board of Realtors. In addition, he is a GHSA and USA Swim official, board member on the Camden Alzheimer’s Project, and volunteer with Camden County High School’s DECA Club. If you’re in the area, stop by our Kingsland office… John would love to meet you!

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Page 1: Volunteer Positions Open for Application Volunteer Positions … · To get your children into the savings habit, start by having them cut out pictures of something they’d like to

October 2019 Issue 53

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

8170-NL-1019

Like and Follow us on

The Board of Directors of United 1st Federal Credit Union is currently searching for members to fill two volunteer leadership positions. The first position is for a seat on the Board of Directors. The other volunteer position is for a seat on the credit union’s Supervisory Committee. The Supervisory Committee is appointed by the Board to: Act as the “watchdog” of the credit union to protect and safeguard member assets, ensure that records are maintained properly, honestly and accurately and to make sure that policies are established according to law and carried out faithfully. Members interested in learning more about these leadership opportunities or to obtain an application may contact Janet Kircher at the credit union at [email protected]

Visit one of our branches for some refreshments and your

2020 wall calendar!!

Volunteer Positions Open for Application

www.united1stfcu.org

International Credit Union Day October 17, 2019

United 1st FCU is pleased to welcome

John McNeil as Manager of our

Kingsland Service Center.

John comes to us with over 15 years in the banking industry, specializing in consumer lending. He also has an extensive background as a financial advisor, life and health insurance, and real estate appraisal. A graduate of Georgia Southern University with a BBA in Finance, John also attended Brenau University’s MBA in Management program.

John is married with four children and resides in St. Marys. He is a member of Rotary, Camden County Chamber of Commerce and Camden Charlton Board of Realtors. In addition, he is a GHSA and USA Swim official, board member on the Camden Alzheimer’s Project, and volunteer with Camden County High School’s DECA Club.

If you’re in the area, stop by our Kingsland office… John would love to meet you!

April 2017 Issue 43

With our 1st Impressions Account and Online Tools, teens and young adults can learn to establish good financial habits to place them on the right track to achieve financial maturity and independence! Includes access to CU Succeed Teen online program.

BUNDLES OF JOY

(Newborn—1 year old)

1st IMPRESSIONS

(13—21 years old)

Is there a newcomer in your family? If so, we have the right account for you. A Bundles of Joy savings account earns dividends quarterly. United 1st even deposits the first $5 into the savings account, and there is no membership fee! Get your baby's financial future off to a great start with a Bundles of Joy account!

KIRBY KANGAROO CLUB

(1—12 years old)

Follow us on: United 1st Federal Credit Union

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

It's never too early to learn about the value of money! The Kirby Kangaroo Club is designed to help young members learn how to save money while having fun and earning dividends at the same time.

Federal Credit Union

8170-NL-1019

October 2019 Issue 53

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

8170-NL-1019

Like and Follow us on

The Board of Directors of United 1st Federal Credit Union is currently searching for members to fill two volunteer leadership positions. The first position is for a seat on the Board of Directors. The other volunteer position is for a seat on the credit union’s Supervisory Committee. The Supervisory Committee is appointed by the Board to: Act as the “watchdog” of the credit union to protect and safeguard member assets, ensure that records are maintained properly, honestly and accurately and to make sure that policies are established according to law and carried out faithfully. Members interested in learning more about these leadership opportunities or to obtain an application may contact Janet Kircher at the credit union at [email protected]

Visit one of our branches for some refreshments and your

2020 wall calendar!!

Volunteer Positions Open for Application

www.united1stfcu.org

International Credit Union Day October 17, 2019

United 1st FCU is pleased to welcome

John McNeil as Manager of our

Kingsland Service Center.

John comes to us with over 15 years in the banking industry, specializing in consumer lending. He also has an extensive background as a financial advisor, life and health insurance, and real estate appraisal. A graduate of Georgia Southern University with a BBA in Finance, John also attended Brenau University’s MBA in Management program.

John is married with four children and resides in St. Marys. He is a member of Rotary, Camden County Chamber of Commerce and Camden Charlton Board of Realtors. In addition, he is a GHSA and USA Swim official, board member on the Camden Alzheimer’s Project, and volunteer with Camden County High School’s DECA Club.

If you’re in the area, stop by our Kingsland office… John would love to meet you!

October 2019 Issue 53

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

8170-NL-1019

Like and Follow us on

The Board of Directors of United 1st Federal Credit Union is currently searching for members to fill two volunteer leadership positions. The first position is for a seat on the Board of Directors. The other volunteer position is for a seat on the credit union’s Supervisory Committee. The Supervisory Committee is appointed by the Board to: Act as the “watchdog” of the credit union to protect and safeguard member assets, ensure that records are maintained properly, honestly and accurately and to make sure that policies are established according to law and carried out faithfully. Members interested in learning more about these leadership opportunities or to obtain an application may contact Janet Kircher at the credit union at [email protected]

Visit one of our branches for some refreshments and your

2020 wall calendar!!

Volunteer Positions Open for Application

www.united1stfcu.org

International Credit Union Day October 17, 2019

United 1st FCU is pleased to welcome

John McNeil as Manager of our

Kingsland Service Center.

John comes to us with over 15 years in the banking industry, specializing in consumer lending. He also has an extensive background as a financial advisor, life and health insurance, and real estate appraisal. A graduate of Georgia Southern University with a BBA in Finance, John also attended Brenau University’s MBA in Management program.

John is married with four children and resides in St. Marys. He is a member of Rotary, Camden County Chamber of Commerce and Camden Charlton Board of Realtors. In addition, he is a GHSA and USA Swim official, board member on the Camden Alzheimer’s Project, and volunteer with Camden County High School’s DECA Club.

If you’re in the area, stop by our Kingsland office… John would love to meet you!

October 2019 Issue 53

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

8170-NL-1019

Like and Follow us on

The Board of Directors of United 1st Federal Credit Union is currently searching for members to fill two volunteer leadership positions. The first position is for a seat on the Board of Directors. The other volunteer position is for a seat on the credit union’s Supervisory Committee. The Supervisory Committee is appointed by the Board to: Act as the “watchdog” of the credit union to protect and safeguard member assets, ensure that records are maintained properly, honestly and accurately and to make sure that policies are established according to law and carried out faithfully. Members interested in learning more about these leadership opportunities or to obtain an application may contact Janet Kircher at the credit union at [email protected]

Visit one of our branches for some refreshments and your

2020 wall calendar!!

Volunteer Positions Open for Application

www.united1stfcu.org

International Credit Union Day October 17, 2019

United 1st FCU is pleased to welcome

John McNeil as Manager of our

Kingsland Service Center.

John comes to us with over 15 years in the banking industry, specializing in consumer lending. He also has an extensive background as a financial advisor, life and health insurance, and real estate appraisal. A graduate of Georgia Southern University with a BBA in Finance, John also attended Brenau University’s MBA in Management program.

John is married with four children and resides in St. Marys. He is a member of Rotary, Camden County Chamber of Commerce and Camden Charlton Board of Realtors. In addition, he is a GHSA and USA Swim official, board member on the Camden Alzheimer’s Project, and volunteer with Camden County High School’s DECA Club.

If you’re in the area, stop by our Kingsland office… John would love to meet you!

John comes to us with over 15 years in the bankingindustry, specializing in consumer lending. He also has an extensive background as a financial advisor, life and health insurance, and real estate appraisal. A graduate of Georgia Southern University with a BBA in Finance, John also attended Brenau University’s MBA in Management program.

John is married with four children and resides in St. Marys. He is a member of Rotary, Camden County Chamber of Commerce and Camden Charlton Board of Realtors. In addition, he is a GHSA and USA Swim official, board member on the Camden Alzheimer’s Project, and volunteer with Camden County High School’s DECA Club.

If you’re in the area, stop by our Kingsland office… John would love to meet you!

Page 2: Volunteer Positions Open for Application Volunteer Positions … · To get your children into the savings habit, start by having them cut out pictures of something they’d like to

We’re excited to announce our new program to help encourage our younger members to make frequent deposits into their savings account. It’s called the Deposit Stamp program and will work like this: On their next visit to the credit union, we’ll give

them a Deposit Stamp card. Each time they make a deposit of $10 or more, we’ll stamp their card. Once a Kirby member’s card is filled, they can turn it in for a prize.

Make the most out of your

TAX Refund!

Our IRA’s or Share Certificates can earn a higher interest APY. *

During the month of April, we’re celebrating Youth Month. The theme this year is “The Science of Saving,” showcasing fun, sci-fi inspired char-acters. Science has proven that if you start with small goals, saving your money can become a regular habit. Every child dreams about their future. Some of those dreams may require money to come true. How do you help your children achieve their dreams?

One way is to help them learn how to save their money. To get your children into the savings habit, start by having them cut out pictures of something they’d like to have someday and post the images where they’ll see them often. Then help them open a savings at United 1st FCU if they don’t already have one. Encourage your child to make reg-ular small deposits each week and learn about the science of saving.

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland Friday: 9am—6pm Saturday: 8am—Noon (Drive Thru Only) Waycross Friday: Open until 6pm

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

* APY is Annual Percentage Yield

Once our 1st Impressions account members (ages 13-21) fill out their card, they can turn it in to be entered into a monthly i-tunes gift card drawing.

We’re excited to announce our new program to help encourage our younger members to make frequent deposits into their savings account. It’s called the Deposit Stamp program and will work like this: On their next visit to the credit union, we’ll give

them a Deposit Stamp card. Each time they make a deposit of $10 or more, we’ll stamp their card. Once a Kirby member’s card is filled, they can turn it in for a prize.

Make the most out of your

TAX Refund!

Our IRA’s or Share Certificates can earn a higher interest APY. *

During the month of April, we’re celebrating Youth Month. The theme this year is “The Science of Saving,” showcasing fun, sci-fi inspired char-acters. Science has proven that if you start with small goals, saving your money can become a regular habit. Every child dreams about their future. Some of those dreams may require money to come true. How do you help your children achieve their dreams?

One way is to help them learn how to save their money. To get your children into the savings habit, start by having them cut out pictures of something they’d like to have someday and post the images where they’ll see them often. Then help them open a savings at United 1st FCU if they don’t already have one. Encourage your child to make reg-ular small deposits each week and learn about the science of saving.

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland Friday: 9am—6pm Saturday: 8am—Noon (Drive Thru Only) Waycross Friday: Open until 6pm

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

* APY is Annual Percentage Yield

Once our 1st Impressions account members (ages 13-21) fill out their card, they can turn it in to be entered into a monthly i-tunes gift card drawing.

St Marys

2000 Osborne Road(912) 882-4630

Jessica Broderick

Kingsland

160 N. Gross Road(912) 729-2800

John McNeil

Eastman854 College Street

(478) 374-7777Ann Harrell

Blackshear

3705 U.S. 84 East (912) 449-4077Angela Robison

Folkston3773 Second Street S.

(912) 496-2006Sherry Lucas

Waycross

2098 Brunswick Hwy.(912) 283-1450Jack Yarbrough

Regional Manager, Tommy Cannon

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland Friday: 9am—6pm Saturday: 8am—Noon (Drive Thru Only) Waycross Friday: Open until 6pm

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template Folkston Manager is now: Shannon Nevitt

Kingsland Manager is now: TBA

OFFICIAL NOTICE OF BOARD OF DIRECTORS ELECTION From Malcolm Fuller, Secretary

As Secretary of United 1st Federal Credit Union, it is my duty to make available to members eligible to vote, information concerning the nomination and election of Credit Union officials at the upcoming annual membership meeting.

The Official Business Meeting of the membership of United 1st Federal Credit Union will be held at the Kingsland Member Service Center on Thursday, March 12, 2020, at 5:15 p.m. All members of United 1st Federal Credit Union may attend, if they desire. This meeting will include official business only. Other member appreciation events will take place during the week of March 9, 2020.

Members eligible to vote shall be those members with at least one share, who have attained age 16 no later than December 1, 2019. Only those members who are eligible members of record as of December 1, 2019, shall receive ballots and be eligible to vote.

Nominating Committee Report—the Nominating Committee, consisting of Mark Stewart D.Ed, Malcolm Fuller D.Ed, and Charlene Sears made the following nominations for Board of Director positions:

NOMINEES Ginny Dickey Caldwell and Gordon Phillips

Each nominee is agreeable to nomination and will accept office if elected. Nomination By Petition The above nominations represent one nominee for each vacancy to be filled. However, nomination for the Board may be made by petition signed by a minimum of 100 members eligible to vote. Such petition forms are available at the credit union Administration Office at 162 North Gross Road, Kingsland, GA 31548. Completed petitions must be returned to the Secretary no later than December 29, 2019, at 5:00 p.m. Persons nominated by petition must make a written certification that the nominee is agreeable to nomination, and will accept office if elected, and such certificate must be attached and returned with the petition to the Secretary. Elections All elections shall be determined by plurality vote and shall be by mail ballot except where there is only one nominee for each position to be filled. Also, nomination shall not be made from the floor unless sufficient nominations have not been made by the Nominating Committee or by petition to provide for one nominee for each position to be filled. Only those positions without a nominee shall be subject to nominations from the floor. Only if sufficient nominations having been made by the Nominating Committee or by petition provide more than one nominee for any position to be filled will the Secretary by February 11, 2020, cause printed ballots to be mailed to all members eligible to vote. Elections shall not be conducted by ballot and there will be no nominations from the floor when there is only one nominee for each position to be filled. CU Resources, Inc. was appointed Teller of Elections should there be a ballot event. The members will return their completed ballots to that independent organization where the ballots will be controlled, counted and certified under the supervision and control of that division. The election results, including accountability for ballots, will be announced if needed by the Teller of Elections at the close of business of the Annual Membership Meeting. NOMINEE QUALIFICATIONS AND BIOGRAPHICAL DATA

GINNY DICKEY CALDWELL (Incumbent)

Mrs. Caldwell is the co-owner of a business in St Marys, GA along with her husband. She has been a member of the credit union for over 32 years. Mrs. Caldwell has served on the Board of Directors since 1991. She was certified in the Volunteer Achievement

Program (VAP) in 1995. Mrs. Caldwell and her husband, Wayne, reside in St Marys, Camden County, GA.

GORDON PHILLIPS (Incumbent) Mr. Phillips is retired. He has been a member of the credit union for over 37 years. Mr. Phillips has served on the

Board of Directors since 1990. He was certified in the Volunteer Achievement Program (VAP) in 1995. Mr. Phillips and his wife, Carol, live in St Marys, Camden County, GA.