Team One Scholarship Winners

Each year Team One awards $8,500 in scholarships to area students.

Congratulations to the 2008 Team One Scholarship winners!

• Allysha Walters from Swan Valley High School
• Thomas Orr from St. Charles Community High School
• Lawrence Robinson from Saginaw High School
• Brandon Erby from Heritage High School
• Lauren Verner from Saginaw Arts and Sciences Academy
• Shannon Barry from Brown City High School
• Theresa Valentine from Unionville-Sebewaing Area High School
• Jessica Biery from Harbor Beach Community High School

Congratulations also go out to these 2008 Scholarship winners!

• Anna Miller winner of the Mary J. Ewing Scholarship from Nouvel Catholic Central High School
• Lauren Blazejewski winner of the Theron & Marion Fager Scholarship from Heritage High School
• Reuben Kapp winner of the Dean Ruple Scholarship from Heritage High School

e-Updates iPod nano Contest Winners

Congratulations to our members Krystal Bean of Caro, MI, Christine Bryant of Bay City, MI, and Jeffrey Zuniga of Saginaw, MI!

Thanks to all of our members who signed up for e-Updates and participated in our online contest. Check back with teamonecu.org soon for more prize give-a-ways!

Golf Fore a Great Cause

The Team One Donald Pilon Commemorative Charity Golf Outing benefiting the American Cancer Society will be held Friday, July 18th at the Vassar Golf & Country Club. Help support the American Cancer Society and enjoy a day of golf for just $65 per person. (Those wishing to make an additional monetary donation to the American Cancer Society, can do so at the golf outing or by calling the Marketing Department.)

The format is a 4-person scramble with a 9 a.m. shotgun start. Enjoy morning coffee and donuts, 18 holes of golf with cart, hot dog at the turn, lunch following your golf round and an awards presentation. There will be several special prize holes and even a chance to win $10,000 cash! Tee sponsorships are also available for $100 per hole.

Members may bring a friend or form a team. To register or to sponsor a tee to benefit the American Cancer Society, please click here for a registration form, call the Marketing Department at 989.754.6575 or pick up a registration form at any Team One banking center. Hurry, the registration deadline is July 10th!

Bad Axe Gas Discount

Just in time for the Memorial Holiday weekend, Team One paid $0.25/gallon for 4,000 gallons of fuel, to provide relief at the pumps for the community of Bad Axe. Team One employees also volunteered to help pump gas and wash windshields.

Click here to see more photos from this event.

If you'd like to find out about upcoming Team One sponsored events in your community, please check back soon for updates.

Graduates' Essentials

Is your graduate ready for what lies ahead? Team One can help them prepare with important financial tools including:

Checking Account
• FREE Visa Check Card
• NO Minimum Balance Requirements
• NO Monthly Maintenance Fees
• NO Per Check Fees
• Overdraft Protection
• Access to your Account with CU@Home, SPEEDY and ATM/Check Card 24/7

The Movement Visa (Click here for details)
• NO Annual Fees
• FIXED Low Rate starting at 9.9% APR*
• Quick Online Application (Click here to apply online)

Auto Loans
• Rate starting at 5.49% APR*
• Flexible terms
• Quick Online Loan Application (Click here to apply online)

* Represents our best rate and is based on credit approval. To determine your rate, contact the credit union. Rates and terms are subject to change.

Stay Informed with e-Updates

As a free service for members who submit their e-mail addresses, Team One will e-update you via e-mail of current security/fraud alerts, important notices, and special promotions.

Please note: e-Updates does not replace e-Notices, our account notification system.

Click here to signup.

Team One Remains a Safe, Secure Place for Your Money

The news is full of reports about banks and mortgage companies that are finding themselves in trouble because of their investments in subprime real estate loans and auto loans. Rest assured that Team One does not invest in subprime* loans and for over 70 years, Team One has remained a strong and sound fixture in the communities that we serve. We strive to offer the most competitive rates and quality service so that our members can feel secure in bringing their financial needs to us. Team One is all about Banking…Only Better!

*Sub-prime lending is the practice of making loans to borrowers who do not qualify for the best market interest rates because of their deficient credit history. Sub-prime lending is risky for both lenders and borrowers due to the combination of high interest rates, poor credit history, and adverse financial situations usually associated with sub-prime applicants.

Earn Merchandise & Travel POINTS!

Use a Team One Visa Check Card or Visa Credit Card w/ ScoreCard Points for every day purchases and earn ScoreCard Bonus Points, redeemable for travel, hotel and merchandise rewards! Automatically earn 1 point for every $3 spent, when you use our Visa Check Card processed as "credit", and automatically earn 1 point for every $1 spent, when you use our Visa Credit Card w/ScoreCard Bonus Points. Plus, you can combine Visa Credit Card Scorecard Points with Visa Check Card ScoreCard Points to accumulate points even faster.

To view the exciting ScoreCard merchandise, recreation and travel awards, follow the link below and click on "Browse". If you currently have a Visa Check Card or Visa Credit Card w/ScoreCard Points and would like to see how many points you've accumulated, click the link below and follow the instructions.

For more information email us at talk2us@teamonecu.org, call or visit our nearest banking center.

Mortgages- Purchase, Refinance or Build, We Can Finance It All!

Team One has the Mortgage you need, whether you are purchasing a new home; refinancing your existing mortgage to save money; are building a new home or are interested in financing a vacation home. With competitive rates, flexible terms and an easy application process, a Team One Mortgage is better than the rest.

Click here or contact one of our knowledgable specialists to determine the Mortgage option that is right for you.

Business Spotlight/Members Only Discounts!

Team One supports many locally owned businesses in the areas we proudly serve. Check out the terrific discounts and services being offered to Team One Members this month!

Another Great Benefit of Credit Union Membership
Because of your credit union membership, you can now obtain individually-owned health insurance policies. Aflac plans are a perfect complement to your major medical coverage since claim checks may be used to help cover escalating deductibles and copayments, out-of-pocket costs, everyday living expenses - even lost income. Best of all, with Aflac, you gain full control over the policies' cash benefits - receive the money directly or assign it to others. Unlike other health insurance plans, there are no pre-certification concerns, no network limitations and no coordination of benefits. (All policies pay in full regardless of any other insurance you may have and often within 4 business days.) Click here to learn more about what Aflac can offer you.

Password: lhcu1

Sprint & Nextel Services
Receive great discounts on Sprint & Nextel Services. Click the link below for details.

ABO Tent Events Saginaw
Phone: 989.754.8368

ABO Tent Events specializes in renting tents, tables, chairs, dance floors, supplies and more to help make your outdoor event a success!

Special Offer: Receive 10% discount on your rental order of $250 or more. To redeem your discount, mention that you are a Team One member when placing your order.

Home For Sale!

Below is a list of repossessed home for sale. Click the links below to view photo(s) and additional information. If you are interested in any of the houses listed, please contact the realtor to set up a viewing.

• 4821 Huron Line Road, Cass City, MI 48726
  Listed Price $59,900
  Agency: REMAX
  Agent: Mark Kowalski
  Phone: 989.269.7362
  
  
• 1707 Allegan Street, Saginaw, MI 48602
  Listed Price $44,900
  Agency: Prudential
  Agent: Bob LeFevre
  Phone: 989.790.0890
  
  
• 1407 S. Harrison, Saginaw
  Listed Price $19,900
  Agency: Prudential
  Realtor: Bob LeFevre
  Phone: 989.790.0890
  
• 1970 Detroiter Mobile Home (Reese, MI)
  Listed Price $1,500
  Location: Pebble Creek Mobile Home Park, Reese, MI
  Park Manager: Bonnie O'Dette
  Phone: 989.868.4596
• 2251 Port Austin Rd (Port Austin, MI)
  Listed Price $59,900
  Agency: REMAX
  Realtor: Mark Kowalski
  Phone: 989.269.7362
• 1526 Osborne St (Saginaw, MI)
  Listed Price $39,900
  Agency: Prudential
  Realtor: Bob LeFevre
  Phone: 989.790.0890
• 408 Linton St (Saginaw, MI)
  Make offer to credit union
  Phone: 989.754.6575
• 11301 Robin Meadows (Freeland, MI)
  Listed Price $159,900
  Agency: Prudential
  Realtor: Bob LeFevre
  Phone: 989.790.0890

If you have any additional questions, please contact Rick at 989.754.6575.

AlertMe-Available for ID Theft Prevention

AlertMe is a credit monitoring tool designed to provide members with an early warning of potentially unauthorized credit activity. AlertMe monitors subscriber's credit bureau files daily and notifies them of such activities as new accounts opened, address changes or reported delinquencies.

AlertMe offers subscribers:

Members can subscribe to the service for a monthly fee of $4.95 which will be debited from their designated account. For more information, please click here.

Credit vs. Debit- Which should you choose?

Did you know that when asked at the register "Credit or Debit", that you are really being asked how you would want your purchase processed and not what type of card you are using. Here is the difference between the two options...

So remember when asked, "Credit or Debit" always say "Credit" because when your purchase is processed as a credit transaction, it saves the credit union money which we pass along to you in the form of lower loan rates and higher rates on savings.

Health Savings Account (HSA)

A Health Savings Account at Team One enables you to take advantage of tax benefits while you save for medical expenses, if you are currently covered by a High-Deductible Health Insurance Policy.

Click here for more information or to open a HSA, call or stop in today!

Statehood Quarter Program Sale

2008 Statehood Quarters - $3.95 each
Oklahoma- February
New Mexico- April
Arizona- July
Alaska- September
Hawaii- December

Each Quarter Collection Contains:
Two un-circulated quarters: one Denver (D) and one Philadelphia (P) mint mark.
Denver & Philadelphia are the only U.S. Mints that produce coins for circulation.

The coins are attached to a full-color, three-paneled 5" X 5" folder (Opens to 5" X 15").
The folder contains a brief history of the state and facts regarding the coin.

Currently they are only available at the Main Office; however, they can be sent to your nearest Team One Banking Center upon request.

A portion of the proceeds will be contributed to the MCULLAF (Michigan Credit Union League Legislative Action Fund)