CORNERSTONETHE

People Helping People

ORT KNOX FEDERACREDIT UNION

F LTM

Community News USA Cares Patriot Club

BOARD OF DIRECTORS

EXECUTIVE STAFF

www.fortknoxfcu.org

MAIN OFFICE3939 South Dixie Blvd

Radcliff, KY 40160

OFFICERS

President/CEO:Raymond H. Springsteen

Executive Vice President:L. Dean Odle

Federally insured by NCUA.Equal opportunity lender.

We recently held our Step Up And Save Tour at 10 of our branch locations. Members came out and enjoyed hotdogs, popcorn, snow cones, and face painting. Fort Knox Federal CU is always excited to give back to its members!

Step Up And Save Tour

Darius Rucker & Jennifer Nettles

Fort Knox MWR once again put on a great summer concert. This year’s concert featured Darius Rucker & Jennifer Nettles, with special guest Brandy Clark. Fort Knox Federal Credit Union was the proud sponsor.

The concert, held at Godman Army Airfield on August 30 on Fort Knox, attracted thousands of spectators.

On hand to enjoy the concert were members Michael Newton and Mark Sireno. They were the lucky winners of our VIP ticket giveaway.

CORNERSTONETHE

www.fortknoxfcu.org | October 2014

Michael Newton Mark Sireno

Community News

Register to win a $1,000 shopping spree and limo ride...

Darius Rucker & Jennifer Nettles

Coming Soon To A Branch Near You!

On BLACK FRIDAY!

USA Cares, one of Fort Knox Federal's select employer groups, recently announced the launch of its Patriot Club which is open to anyone wishing to support the organization's mission of providing financial aid and advocacy to post-9/11 military service men and women and their families in their time of need. Since 2003, USA Cares has responded to more than 60,000 requests with over $11 million in indirect-support grants to assist recipients. For more information about USA Cares, please log on to www.usacares.org.

Step Up And Save Tour

ChairmanVice ChairmanTreasurerSecretaryMemberMemberMemberMemberMember

Jo ExlerRichard (Dick) L. ArdissonJ. Marvin HawkHenry WheatleyRichard L. BrandenburgRosemary DeatonGene KeithReba WatsonOtto Tennant

Board of Directors

Pursuant to Fort Knox Federal Credit Union bylaws, nominations for vacancies on the Board of Directors may also be made by petition signed by 500 members. A brief written statement of qualifications and biographical data must be submitted along with each nomination by petition. All petitions and additional written information must be received no later than November 15, 2014 and sent to:

NominationsBoard of Directors

October 2014

The Nominating Committee met in early September and selected nominees from the applications duly and properly submitted for the three Board of Director positions open in 2015.

Fort Knox Federal Credit Unionc/o Nominating Committee

P.O. Box 900, Radcliff, KY 40159-0900

For all petition information, please call (502) 942-0254 or (800) 285-5669.

Autumn's falling temperatures signal now is a great time to consider winterizing your home and yard. Time to check the roof for any damaged or missing shingles to prevent future roof leaks, which can lead to water damage and ceiling stains, causing even bigger—and more costly--problems. Fall is also a great time to clean up the outside of your home: washing windows, pressure washing decks and outside walls, and all those yearly maintenance projects that will help increase the value of your home and save you money in the long run.

Fall is also the perfect time to open a Home Equity Line of Credit from Fort Knox Federal Credit Union for the money you'll need for all these seasonal projects. You can use your Equity Line of Credit for more than home improvements: such as consolidating high interest bills or debt, emergency funds, education costs or a much needed family vacation.

Open your Home Equity Line of Credit today and have the cash available when you need it. And with our low rates, you'll save even more money in the long run.

Home ImprovementsHome ImprovementsFall Is A Great Time For

Simple maintenance can avoid major problems.

Home Improvements

Nominations

Wanda TrimbleHenry WheatleyLloyd KingRobert BauerOtto TennantWanda Parker

President’s LetterPresident’s LetterCreating Member Value Remains Our Focus

I'm pleased to report that your Fort Knox Federal Credit Union continues to outperform other credit unions in its peer group; is ahead of projections for both loan and deposit growth; and, continues to save members money.

All of this adds up to continuing to provide incredible value to members and potential members through loans. From our 3 year and 5 year Adjustable Rate Mortgages, to our auto loans for new vehicles as low as 1.74 percent APR, we are helping more members reduce their monthly payments and save more money.

Every day we find members who have extremely high interest rate auto loans from other financial institutions and we are able to help. According to Experian Automotive, a national vehicle sales database, the average used vehicle loan rate is 9 percent APR. Fort Knox Federal members who qualify can get used auto loans from the Credit Union below 3 percent APR!

For example, we helped one member recently who had a 17 percent APR auto loan at another lender. Fort Knox Federal refinanced his loan at 4.24 percent APR saving that member more than $6,000 over the life of the loan.

Fort Knox Federal continues to create member value as we seamlessly transition to new leadership. I'm pleased to welcome Otto Tennant, Jr., an associate Board Member since 2010, as our newest member of the Board of Directors. Otto is fulfilling the term of Howard Williams who retired from the Board in July.

As we welcome Otto on to the Board, we also thank Howard for his more than 26 years of volunteer service to the Credit Union. Howard's outstanding leadership and dedication have helped Fort Knox Federal grow to more than $1 billion in assets while maintaining its position as one of the most stable, financially solid and highest return on assets credit unions in the nation.

As this year winds down and we look forward to 2015, your Credit Union will continue to add member value by improving our products and services. We have already begun by re-issuing all our VISA Credit Cards to take advantage of improved security technology. Members will soon be able deposit checks into their Fort Knox Federal accounts by taking a picture with the camera in their cell phones. The remote deposit capture (RDC) system allows scanned checks to be transmitted by encrypted Internet connection for deposit. Also, we'll soon announce another expansion of our branch office network.

Your Credit Union's growth is based on a very solid foundation built over years by visionary and expert leadership from your Board of Directors and professional staff. As we continue in this transition period, we will also continue to 'stay the course' of building greater member value and improving the quality of our members' financial lives.

And as I have said before, it is my privilege to serve as your President and CEO and I will continue to work diligently, along with our dedicated Board of Directors and professional staff, to serve our members and fulfill the mission of Fort Knox Federal Credit Union.

Wanda TrimbleHenry WheatleyLloyd KingRobert BauerOtto TennantWanda Parker

RAY SPRINGSTEENPRESIDENT/CEO