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  1. 1. AUGUST 2000 All-Region PDF Credit Union ONE MemberMinder Credit Union ONE TM You’re gonna like this lease! And don’t worry about extra mileage because you can buy additional miles up front. At the Your credit union’s new vehicle leasing end of lease, you can buy the car, refinance it, program is so likeable. Take a look at these or drop it off. features of ONE’s Likeable Lease: No money down. No security de- ONE’s Call us for a no-obligation quote posit. No acquisition fee. No disposal fee. No prepayment penalty. When you call us, you’ll get a Likeable You pay a one-time $750 fee quote without having to sign that can be combined with the any documents or put money loan and an optional $275 for down. For questions, quotes, or Lease gap insurance. That’s it! No surprises. to apply for your lease, call the Perhaps the most likeable feature Leasing Information Center at is: no dealership hassles! Our leasing 1-800-224-1244 from 8 a.m. to representatives will do the shopping for you. 7 p.m. Monday through Friday, and 8 a.m. to We can find your next vehicle and negotiate 1 p.m. Saturday. If you sign a lease before the price. Or you can make the deal and still Aug. 31 we’ll give you a Mobil Go Card worth lease through CUO. $50 of free gas as our thank-you. Year 2000 model Lease* Loan** $ $ Honda Accord LX 4DR 347 413 $ 20,055 sale price $ $ Chevy Suburban LS 4x4 573 769 $ 37,260 sale price $ $ Mercedes C280 4DR 617 792 $ 38,390 sales price * Lease is a 60-month term and includes $750 fee, $275 gap fee (optional), and usage tax. ** Loans have 60-month terms and include sales tax. You can’t lease an old-time classic like this old Ford with ONE’s Likeable Lease, but you sure can get low, low payments, reminiscent of the old days. For information on classic rates, see page 2.
  2. 2. Credit Union ONE ONE’s directory TM ADMINISTRATIVE OFFICES 400 E. Nine Mile Rd., Ferndale, MI 48220 ............ 248-398-1210 Toll Free ............................................................. 800-451-4292 Dream rates METRO DETROIT AREA Beaumont ........................................................... 248-584-5260 Detroit Medical Center (Receiving Hospital) .......... 313-832-7030 Cruise on over for classic rates Farmington Hills (Covenant Branch) ..................... 248-855-1101 Ferndale ............................................................. 248-398-1210 The Woodward Dream Cruise isn’t the Macomb Township .............................................. 810-566-1300 only classic game in town. Your credit union Royal Oak ........................................................... 248-288-5010 Shelby Township ................................................. 810-254-5560 is also offering old-time rates on classic cars Southwest Detroit .............................................. 313-849-0080 as well as our great rates for new and used Sterling Heights ................................................... 810-978-7181 Troy .................................................................... 248-879-5800 cars. Our annual percentage rate for classic Westland ............................................................ 734-425-1520 cars is just 2 points over prime or 11.5%. For University of Detroit-Mercy .................................. 313-864-9538 details or more information, call the Member For hours of operation, please call the specific branch office. Member Center (to apply for loans) .......................... 800-488-2222 Loan Center at 1-800-488-2222. Service Centers ...................................................... 800-800-9700 Located in Ann Arbor, Detroit, Garden City, Lansing, Livonia, Madison Heights, Novi, Redford, Riverview, Rochester Hills 9-month CDs St. Clair Shores, Sterling Heights, Taylor, and Waterford. Hours: M-F : 9-7, Sat: 9 –2 Our rates are terrific on this CD WEST MICHIGAN AREA Our rates are outstanding for our 9-month GRAND RAPIDS Walker ................................................................ 616-453-5500 Certificates of Deposit. In a short time, you 44th Street .......................................................... 616-455-7200 can significantly boost your returns—just by Plainfield ............................................................. 616-361-0802 TRAVERSE CITY: Area Code changed to 231 being smart enough to invest your money at Sixth Street ........................................................ 231-946-5592 your credit union. Veterans Drive at 14th Street ............................... 231-941-7330 The 9-month term is perfect. It doesn’t OTHER NUMBERS commit you for too long yet still gives you a TDD Hearing/Speech Impaired ............................... 248-398-2192 high yield. Plus, this CD’s Compu-Phone ........................... 248-547-9513 or 800-423-3069 minimum deposit is ONE’s Financial Services, Inc. ............................. 810-977-7218 only $2,000. Current APY* is In Grand Rapids or Traverse City, call .................. 800-719-0022 707% These days, se- ONE’s Home & Auto Insurance cured savings like our Metro Detroit area .............................................. 248-619-3412 Grand Rapids and Traverse City ONLY ................. 888-511-ONES 9-month CDs are ONE’s Mortgage ................................... contact your branch office appealing, especially Uniglobe Preferred Travel (toll free) ....................... 877-408-7281 when the stock market is Internet: http://www.cuone.org volatile. For more information and to open Member Minder is produced monthly for Credit Union ONE members with your CD, call 1-800-488-2222. checking accounts and quarterly for all others. Please address all comments to Marketing Department, *APY=Annual Percentage Yield. Rate subject to change without Your savings federally insured to $100,000 Credit Union ONE, 400 E. Nine Mile Rd., EQUAL HOUSING notice. Ferndale, MI 48220. National Credit Union Administration, a U.S. Government Agency LENDER
  3. 3. Back to school Third, you can transfer balances from higher-rate So long, summer! cards once you’re Hello, great savings! approved and up to Already! Summer’s almost over and back- your credit limit. to-school shopping will begin very soon. Get Apply now a jump on savings by applying now for your To apply for the credit union’s new VISA® Platinum card. new Platinum With its fixed VISA® card, call annual percentage the Member Loan rate of 11.9%* Center at its toll- you’ll start saving free number, immediately— 1-800-488-2222, even before the or call or stop by back-to-school your branch office. sales start. Or you can apply Second, it offers many benefits: no cash online on our Web site at <www.cuone.org>. advance fee, travel emergency assistance (great for college-age students), and a credit limit as *APR = Annual Percentage Rate. Rates subject to change and are high as $100,000 for those who qualify. determined by credit history and approval. Home equity Consolidate and pay just ONE bill You can also consolidate your debts with a Project financing starts here home equity loan. Pay them off and you may save significantly. Then, you’ll only have to There’s still time to get moving on your end- write one check instead of a bunch. of-summer projects. One of the best ways of Call your branch office for more information financing them is with our home equity loan, and to apply or call 1-800-488-2222. which is at prime right now, just 9.5% APR!* *APR = Annual percentage rate. You can borrow up to 90% of your equity Rates are subject to minus the mortgage balance. And if you apply change without notice. right now for a home equity loan or line of credit at our low fixed or variable rates, you may soon have your money in hand. Do more with equity The great thing about a home equity loan is that you can also use it for any major purchase: college tuition, braces, major appliances, trips. And the best thing about these loans and lines of credit is they are most likely tax-deductible (see your tax adviser to be sure).
  4. 4. from A messageServices, Inc. ONE’s Financial 401(k) Here’s how to avoid penalties Q. I’m leaving my employer. How I can move my 401(k) and avoid taxes? A. By completing a direct rollover you can avoid early withdrawal penalties. A direct rollover occurs when you move eligible assets from an existing employer-sponsored retire- ment plan directly to an IRA or other quali- fied retirement plan, without taking receipt of the proceeds. The opportunity for a income taxes and potential penalties. direct rollover is triggered Questions? Contact a ONE’s Financial repre- by an event such as sentative at 1-800-719-0022. retirement or separation The products offered through ONE’s Financial Services, Inc. are not federally from an employer. This insured; are not obligations of the credit union; are not guaranteed by the credit union or any affiliated entity; and involve investment risk, including type of distribution is reported to the IRS and possible loss of principal. ONE’s Financial Services, Inc. representatives are allows the individual to avoid the mandatory registered representatives of CUNA Brokerage Services, 5910 Mineral Point Rd., Madison, Wisconsin 53705. Member NASD, SIPC. ONE’s Financial 20% tax withholding as well as current federal Services, Inc. is a licensed insurance agency. your loan if you die before it is repaid. Credit Protection Disability does the same if you become totally disabled by a covered sickness or Payment protection accident. can safeguard your family Payments are easy and affordable, often Think for a minute—who would make your just pennies a day. And they can be added loan payments if you were to die or become right to your loan payments. Both coverages disabled from accident or sickness? are available for all your eligible loans, You wouldn’t think a moment including home equity. longer if you had Credit Ask at your branch Life and Credit Disabil- office for details or ity insurance on your call the Member credit union loans. Loan Center toll- Credit Life helps free at reduce or pay off 1-800-488-2222.
  5. 5. FEBRUARY 2001 All-Region PDF Credit Union ONE MemberMinder Credit Union ONE TM Prime Minus 1⁄2% for Prime Minus 1⁄2% is now * 8.5 % a home equity line Annual Percentage Extraordinary! Rate until 6/30 This is an amazing rate Only two months left to take advantage of your credit union’s Prime Minus 1/2% home equity line of credit. We’re offering an extraordinary annual percentage rate of only Borrow up to 100% That’s a big plus when com- 8.5% with terrific options like of your home’s value pared to other loans. See your 100% financing! tax adviser to be sure about Take advantage too of our Sign-up is easy your situation. new option of borrowing up to To get this rate, you must 100% of your home’s value less Apply today! apply by March 31 and take the mortgage balance. When Our application process is your first draw of at least you do so at this rate, you can easy and quick, and you have $10,000 by that date. If you use it for something extraordi- several convenient ways to already have this line of credit, nary. Put on an addition, start apply: Use CU@Home, our you can activate the lower rate college, remodel your kitchen, online access through our Web for your entire balance just by buy a computer, cruise to site (at www.cuone.org). Call taking a draw of at least $7,500 somewhere sunny and warm. our Member Response Center by March 31. Tax deductibility a big plus at 1-800-441-8999, or call your The program ends June 30 branch office (phone numbers and the rate then reverts to One of the very best things are on the second page). Prime. So the sooner you take about a home equity loan is the draw, the longer you’ll have that the interest you pay is *APR= Annual Percentage Rate. Rates are at the lower rate. most likely tax-deductible. subject to change without notice.
  6. 6. 9-month CDs Credit Union ONE ONE’s directory Our rates are terrific on this CD TM Our rates are outstanding for our 9-month Certificates of Deposit. In a short time, you can significantly boost your returns—just by being smart enough to invest your money at ADMINISTRATIVE OFFICES your credit union. 400 E. Nine Mile Rd., Ferndale, MI 48220 ........................... 248-398-1210 Toll Free ............................................................................ 800-451-4292 The 9-month Current APY* is term is perfect. It METRO DETROIT AREA 6697% doesn’t commit you Beaumont Medical Center .................................................. 248-584-5260 for too long yet still Detroit Medical Center (Receiving Hospital) ......................... 313-832-7030 Farmington Hills ................................................................ 248-855-1101 gives you a high Farmington Hills (for Compuware employees only) .............. 248-737-5125 yield. Plus, this CD’s Ferndale ............................................................................ 248-398-1210 minimum deposit is only $2,000. Macomb Township ............................................................ 810-566-1300 Rochester Hills ..................................................................... coming soon These days, secured savings like our Royal Oak .......................................................................... 248-288-5010 9-month CDs are appealing, especially when Shelby Township ............................................................... 810-254-5560 Southwest Detroit .............................................................. 313-849-0080 the stock market is volatile. For more infor- Sterling Heights ................................................................. 810-978-7181 mation and to open your CD, call the Member Troy .................................................................................. 248-879-5800 Westland ........................................................................... 734-425-1520 Response Center at 1-800-451-4292. University of Detroit-Mercy (students and faculty only) ........ 313-864-9538 *APY=Annual Percentage Yield. Rate subject to change For hours of operation, please call the specific branch office. without notice. Member Response Center (to apply for loans) ...................... 800-488-2222 Service Centers .................................................................... 800-800-9700 Located in Ann Arbor, Detroit, Garden City, Lansing, Livonia, Madison Heights, Novi, Redford, Riverview, Rochester Hills St. Clair Shores, Southfield, Sterling Heights, Taylor, and Waterford. Hours: M-F : 9-7, Sat: 9 –2 Our apologies WEST MICHIGAN AREA We apologize to all our members GRAND RAPIDS affected by technical difficulties with Walker .............................................................................. 616-453-5500 our computer system last month. We 44th Street ........................................................................ 616-455-7200 TRAVERSE CITY: Area Code changed to 231 regret the inconvenience it caused Sixth Street ....................................................................... 231-946-5592 you. Our staff worked around the Veterans Drive at 14th Street ............................................. 231-941-7330 clock to resolve the technical issues OTHER NUMBERS as quickly as possible. TDD Hearing/Speech Impaired .............................................. 248-398-2192 While we cannot guarantee there Compu-Phone ......................................... 248-547-9513 or 800-423-3069 will never be future trouble, we ONE’s Financial Services, Inc. .......................................... 810-977-7218 pledge to you to strive constantly to In Grand Rapids or Traverse City, call ................................ 800-719-0022 achieve the level of performance you ONE’s Home & Auto Insurance have come to expect from your credit Metro Detroit area ............................................................. 248-619-3412 Grand Rapids and Traverse City ONLY ................................ 888-511-ONES union. Thank you for your patience. ONE’s Mortgage ................................................................. 800-544-5567 If you have any concerns, please Internet: http://www.cuone.org feel free to contact your nearest Member Minder is produced monthly for Credit Union ONE members with branch office or call our Member checking accounts and quarterly for all others. Please address all Response Center at 1-800-451-4292, comments to Marketing Department, Your savings federally insured to $100,000 Credit Union ONE, 400 E. Nine Mile Rd., then press “7” for Member Services. EQUAL HOUSING Ferndale, MI 48220. National Credit Union Administration, a U.S. Government Agency LENDER
  7. 7. Introducing… Express Cash When you need a little cash in just a little time... We’re pleased to introduce a new product: Express Cash, a hybrid of our overdraft and Fast KASH lines of credit. With this great new line, you’ll have funds to cover an overdraw on your checking account or a shortfall on your monthly expenses. You can get both conveniences with a variable rate as low as 2% over the prime rate.* With prime now at 9%, our best rate† is 11% APR!§ This is a great rate, especially compared to others at 15% or as high as 22%. You’ll also save with low monthly payments and by taking out only the amount you need. The minimum credit limit is $1,000. The maximum is $50,000. Applying is simple, quick and convenient: Call our Member Response Center at 1-800-488-2222. Apply on our Web site at www.cuone.org, or call or stop by your branch office (phone numbers are on the previous page). *Prime rate is the rate last published in The Wall Street Journal. †Rates are determined by credit history and approval, and are subject to change without notice. §APR=Annual Percentage Rate. ‘Streamline’ Join us Mortgage refinances simplified For electrifying UDM basketball Have you had your mortgage with Credit Union ONE for the past 12 months? Is your Your credit union is mortgage rate higher than the current market sponsoring doubly rate? Have you been thinking of converting exciting basketball your adjustable rate mortgage to a fixed? games at the Univer- If you answered yes to any of these ques- sity of Detroit-Mercy. tions, you may qualify for Credit Union ONE’s Please join us Feb. 10 new “Streamline,” our very low-cost refinance for the City of Detroit program. In many cases, you may be able to Tricentennial Titan Basketball Double Header. lower your monthly payments and interest rate The men’s team plays Wright State at 2:05 p.m. with no out-of-pocket costs. The total cost for at Calihan Hall. The women’s game against our “Streamline” refinances is less than $500. Wisconsin-Green Bay follows at 4 p.m. If you have a mortgage elsewhere, we may be The men’s game will be televised, starting at able to refinance it at competitive rates and 1:30 p.m., on Fox Sports Net Detroit. So if you extremely low cost. Call ONE’s Mortgage today can’t join us in person, tune in to watch the Titans. at 1-800-544-5567 and get on the road to lower For ticket reservations and more informa- payments, terms or rates. tion, please call the UDM box office at Some restrictions may apply. 313-993-1700.
  8. 8. on the News home A MESSAGE FROM ONE’S fiNANCIAL SERVICES, INC. front IRA Q&A There’s more to know about IRAs Annual Meeting set for March 28 Q. How much can I contribute to an IRA? A. You're allowed to make a combined Please be sure to attend Credit Union ONE’s total contribution of up to $2,000 per year to Annual Meeting at 7 p.m. March 28 at the Center any IRA you may qualify for. Building, 400 E. Nine Mile in Ferndale. (That means you can’t contrib- Offices closed for Presidents’ Day ute $2,000 to a traditional IRA All CUO offices will be closed Monday, Feb. 19 and another $2,000 to a Roth in observance of Presidents’ Day. IRA). However, this doesn't include an education IRA. You can make Receiving a tax refund this year? contributions in your child’s name to an Have your tax return deposited directly to education IRA of your Credit Union ONE account. Simply write in up to $500 per your CUO account number and CUO’s routing year, per child and transit number (272479841) in the space under age 18. provided on your tax form. Q. When can I contribute to my Access your accounts from your easy chair IRA? when you connect to CU@Home A. You may Use your computer to connect to CU@Home, contribute to your our new Web access service. Access your credit IRA any time union account and perform many transactions. Give your kids a head start with an during the year, or Education IRA. Find out which checks have cleared, by the due date order copies or statements, for filing your tax return. For example, if you even download information file your tax return on a calendar basis, you into your personal money can make your 2000 IRA contribution management program (either between Jan. 1, 2000 and April 15, 2001. Microsoft Money or Quicken). For specific tax information pertaining to You can even order e- your situation, contact your tax consultant. Statements, a For more information on IRAs, contact digital version ONE’s Financial Services at 800-719-0022. of your Credit You can meet with a ONE's Financial Service Union ONE statement. representative at no cost or obligation. All you need is a modem, The products offered through ONE’s Financial Internet service, and any browser (no need for Services, Inc. are not federally insured; are not any special software from your credit union). obligations of the credit union; are not guaranteed by the credit union or any affiliated entity; and involve Just call up our Web site at <www.cuone.org>, investment risk, including possible loss of principal. click on the CU@Home link in the top frame, ONE’s Financial Services, Inc. representatives are and follow the instructions. If you have any registered representatives of CUNA Brokerage Services, 5910 Mineral Point Rd., Madison, Wisconsin questions about this service, call our Member 53705. Member NASD, SIPC. ONE’s Financial Response Center at 1-800-488-2222. Services, Inc. is a licensed insurance agency.
  9. 9. | July 2001 Eastern Michigan University teacher learner times Teaching Learning RESOURCE TEAM The Teaching Learning Re- source Team is a voluntary TEACHING SUCCESS STORIES UPCOMING EVENTS consortium of faculty devel- opment teams at Eastern Michigan University, including: Teaching in a vacuum • FCIE: Faculty Center for is a sucky experience Instructional Excellence • CIC: Center for Instructional Computing This is the way we type the paper, type the paper, • CRS: Center for Research type the paper. This is the way we type the paper early Support in the morning. • Continuing Education This is the way we type the paper, type the paper, • Library Faculty type the paper. This is the way we type the paper early • and others who focus on in the morning.This is the way we type the paper, type faculty development. the paper, type the paper. This is the way we type the CIC: Your PC should be a Mac We aim to use the synergy 1–2:30 p.m. July 24 paper early in the morning. created from coordinating our McKenny Faculty Room This is the way we type the paper, type the paper, Join Stuart Karabenick to learn knowledge and efforts to type the paper. This is the way we type the paper type why professors are happier when create programs that will help the paper early in the morning, early, early. they’re Mac-based. faculty develop their talents This is the way we type the paper, type the paper, and hone their skills. FCIE: Teaching du Jour type the paper. This is the way we type the paper early 4:30–4:35 p.m. June 31 in the morning. Physical Plant Why the technique du jour wasn’t This is the way we type the paper, type the paper, a good idea—and we ARE talking type the paper. This is the way we type the paper early homonyms. in the morning. This is the way we type the paper, type Library Faculty: Join ERIC the paper, type the paper. This is the way we type the 3:30–5 p.m. paper early in the morning. This is the way we type the Halle Library, Room 43 emich.edu/tlrt paper early in the morning or late in the evening. This Stick with ERIC to find the best, latest research the quickest. See LEARNING page 4 LEARNING SUCCESS STORIES Teacher plus learner equals Teacher Learner Times This is the way we type the paper, type is the way we type the paper early in the the paper, type the paper. This is the way morning and in the evening. we type the paper early in the morning. This is the way we type the paper, type This is the way we type the paper, type the paper, type the paper. This is the way the paper, type the paper. This is the way we type the paper type the paper early in we type the paper early in the the morning but not in the evening. morning.This is the way we type the This is the way we type the paper, type paper, type the paper, type the paper. This See TEACH page 2
  10. 10. | 2 teacher learner times July 2001 C O N TA C T U S LEARNING SUCCESS STORIES Teacher plus learner equals Teacher Learner Times This is the way we type the paper, early in the morning. This is the way type the paper, type the paper. This is we type the paper early in the morn- the way we type the paper early in the ing or late in the evening. This is the morning. way we type the paper This is the way Teaching Learning RESOURCE TEAM This is the way we type the paper, we type the paper, type the paper, type type the paper, type the paper. This is the paper. This is the way we type the CIC the way we type the paper early in the paper type the paper early in the Center for Instructional Computing morning.This is the morning, early, early. Halle Library, Room XXX way we type the paper, This is the way we Stuart Karabenick, Bob Ferret 734-487-0000 type the paper, type type the paper, type Teaching the paper. This is the the paper, type the CRS in a vacuum way we type the paper paper. Center for Research Support Halle Library, Room XXX early in the morning. This is the way we is truly an Somebody Else, Director This is the way we type the paper early in 734-489-XXXX experience type the paper, type the morning. Continuing Education that sucks. the paper, type the This is the way we Halle Library, Room XXX paper. This is the way type the paper, type Yetanother Person, Director we type the paper type the paper, type the 734-489-1386 the paper early in the paper. This is the way FCIE morning, early, early. we type the paper Faculty Center for Instructional Excellence This is the way we type the paper, early in the morning. This is the way Halle Library, Room XXX type the paper, type the paper. we type the paper, type the paper, type Jan Collins-Eaglin, Director 734-489-1386 This is the way we type the paper the paper. This is the way we type the early in the morning. paper early in the morning. This is the Library Faculty This is the way we type the paper, way we type the paper early in the Halle Library, Everywhere Someone S. Someone, Department Head type the paper, type the paper. This is morning or late in the evening. This is 734-487-XXXX the way we type the paper early in the the way we type the paper This is the morning. This is the way we type the way we type the paper, type the paper, Teaching Learning Resource Team Halle Library, Room XXX paper, type the paper, type the paper. type the paper. 734-487-XXXX This is the way we type the paper —Stuart Karabenick The Teacher Learner Times is published by the Teaching Learning Resource Team of Eastern Michigan University monthly for faculty, staff, and all others interested in faculty development. TEACH paper, type the paper, type the paper. Stuart Karabenick, director of the Whole This is the way we type the paper Enchilada, serves as editor. Please send Continued from page 1 early in the morning. This is the way comments to him at this location: Halle Library, Room XXX This is the way we type we type the paper, type the Eastern Michigan University the paper, type the paper, paper, type the paper. This is Ypsilanti, MI 48197-XXXX type the paper. This is the the way we type the paper He may also be reached at: 734-487-XXXX or <psy_karabeni@online.emich.edu>. way we type the paper early type the paper early in the in the morning. morning. ©2001 Teaching Learning Resource Team, Eastern Michigan University. This is the way we type This is the way we type All rights reserved. the paper, type the paper, the paper, type the paper. type the paper. This is the This is the way we type the way we type the paper early in the paper, type the paper, type the paper. morning.This is the way we type the This is the way we type the paper.
  11. 11. | July 2001 teacher learner times 3 TALK OF THE TIMES Here’s why teaching—like crime—doesn’t pay This is the way we type the paper, type the paper, type paper. This is the way we type Complaint the paper. This is the way we type the paper early in the the paper early in the morning. Central morning. This is the way we type the paper, type the paper, This is the way we type the type the paper. This is the way we type the paper early in paper early in the morning or The Teaching Learning Resource Team is a the morning and late in the evening. late in the evening. voluntary consortium of This is the way we type the paper, type the paper, type This is the way we type the EMU faculty development the paper. This is the way we type the paper early in the paper This is the way we type teams, including morning. This is the way we type the paper, type the paper, the paper, type the paper, type • FCIE: Faculty Center for type the paper. This is the way we type the paper. This is the paper. This is the way we Instructional Excellence the way we type the paper, type the paper, type the paper. type the paper early in the This is the way we type the paper morning. early in the morning. This is the way we type the This is the way we type paper, type the paper, type the paper. This is the way we the paper, type the paper, type the paper early in the morning.This is the way we type type the paper. This is the the paper, type the paper, type the paper. This is the way way we type the we type the paper early in the morning. paper early in the This is the way we type the paper, type the paper, morning. This is type the paper. This is the way we type the paper the way we type type the paper early in the morning, early, early. the paper, type This is the way we type the paper, type the the paper, type paper, type the paper. This is the way we type the the paper early in the morning. This is the way we type the paper, type the paper, type the paper. This is the way we type the paper early in the morning. This is the way we type the paper, type the paper, type the paper. This is the way we type the paper, type the paper, type the paper. How to get a raise Help your union add to its wage negotiations This is the way we type paper early in the morning. CIC: Your PC should be a Mac the paper, type the paper, type This is the way we type 1–2:30 p.m. July 24 the paper. This is the way we the paper, type the paper, McKenny Faculty Room type the paper early in the type the paper. This is the Join Stuart Karabenick to learn why morning. way we type the paper type professors are happier when they’re Mac-based. This is the way we type the the paper early in the paper, type the paper, type the morning.This is the way FCIE: Teaching du Jour paper. This is the way we type we type the paper, type the 4:30–4:35 p.m. June 31 Physical Plant the paper early in the paper, This is the way we Why the technique du jour wasn’t a morning.This is the way we type type the paper, type the good idea—and we ARE talking the paper, type the paper, type the paper, type the paper. This is the way homonyms. paper. This is the way we type the we type the paper early.
  12. 12. | 4 teacher learner times July 2001 TIMES TIDBITS RESEARCH NEWS PC users croak sooner, study says Learning’s just a bunch of cherries Join Stuart Karabenick to learn why professors are happier when they’re Mac- This is the way we type the paper, This is the way we type the paper, based. Why the technique du jour wasn’t a type the paper, type the paper. This is type the paper, type the paper. This is good idea—and we ARE talking hom- the way we type the paper type the the way we type the paper early in the onyms. Stick with ERIC to find the best, paper early in the morning, early, morning. latest research the quickest way possible. early. This is the way we type the paper, FCIE awarded the Croix de Guerre This is the way we type the paper, type the paper, type the paper. This is Why the technique du jour wasn’t a type the paper, type the paper. the way we type the paper early in the good idea—and we ARE talking hom- onyms. Stick with ERIC to find the best, This is the way we type the paper morning.This is the way we type the latest research the quickest. early in the morning. paper, type the paper, type the paper. Stick with ERIC to find This is the way we type the paper, This is the way we type the paper the best, latest type the paper, type the paper. This is early in the morning. research the the way we type the paper early in the quickest. Stick with ERIC to find the best, morning. This is the way we type the latest research the paper, type the paper, type the paper. quickest. Stick with ERIC to This is the way we type the paper find the best, latest research the quickest. early in the morning. This is the way Why the technique du jour wasn’t a good we type the paper early in the morn- idea—and we ARE talking homonyms. ing or late in the evening. This is the Stick with ERIC to find the best, latest research the quickest. way we type the paper This is the way we type the paper, type the paper, type Library staff finds professor, 92, the paper. This is the way we type the lost for years in microfiche lab paper type the paper early in the Stick with ERIC to find the best, latest morning, early, early. research the quickest. Stick with ERIC to find the best, latest research the quickest. This is the way we type the paper, Stick with ERIC to find the best, latest type the paper, type the paper. research the quickest. Stick with ERIC to This is the way we type the paper find the best, latest research the quickest. early in the morning. Stick with ERIC to find the best, latest This is the way we type the paper, research the quickest. Why the technique type the paper, type the paper. This is du jour wasn’t a good idea. LEARNING early in the morning. type the paper, type This is the way we type the paper. This is the Continued from page 1 the paper, type the way we type the paper This is the way we type the paper, paper, type the paper. early in the morning. type the paper, type the paper. This is This is the way we type This is the way we the way we type the paper early in the the paper type the paper type the paper, type morning. early in the morning. the paper, type the This is the way we type the paper, This is the way we type the paper, paper. This is the way we type the type the paper, type the paper. This is type the paper. This is the way we paper early in the morning.This is the the way we type the paper early in the type the paper, type the paper, type the way we type the paper, type the paper, morning.This is the way we type the paper. This is the way we type the type the paper. This is the way we paper, type the paper, type the paper. paper. type the paper early in the morning. This is the way we type the paper This is the way we type the paper, This is the way we type the paper,
  13. 13. NOVEMBER 1 9 9 8 All-region PDF Credit Union ONE MemberMinder Credit Union ONE TM Safer CDs Invest safely while the world economy tilts and still earn high yields While the world economy wreaks havoc on the stock market, you may want to stick with safer investments. Our Certificates of Deposit and IRA Certificates fill the bill. Rates are excellent now on our 12-month CDs and IRA Certificates. See the chart A topsy- below for rates that will give you high yields turvy world economy has —especially when you get our Bonus Rates.† the stock market all awhirl. Ride it out with safer investments like CDs from your credit union. It’s easy to get the Bonus Rate. Just sign up for Direct Deposit Plus or Money Market Plus Call or stop by your branch office to take when you purchase your certificates. advantage of these high yields. Remember, your money is safe at Credit Union ONE because we’re insured by the 12-month Bonus Rate*† Standard Rate NCUA, the National Credit Union Associa- CD 5.641%* 5.378%* tion. Its insurance has been rated as one of the safest ever. IRA Cert. 5.746%* 5.483%* *Annual Percentage Yield. †Bonus Rate is available to Direct Deposit Plus or Money Market Plus participants. Direct Deposit Plus is 90% of paycheck electronically deposited in a CUO account. Cannot be combined with other promotions. Rates subject to change.
  14. 14. ONE’s Credit Union Prime ONE Home equity line directory 1% below prime TM Cut until the year 2000 ADMINISTRATIVE OFFICES 470 E. Nine Mile Rd., Ferndale, MI 48220 .............. 248-398-1210 Our amazingly low rate of Toll Free ............................................................ 1-800-451-4292 prime minus 1%* on our home METRO DETROIT AREA Lowered equity line of credit has Detroit Medical Center (Receiving Hospital) ............ 313-832-7030 again! lowered again to a Farmington Hills (Covenant Branch) ....................... 248-855-1101 7 % Ferndale ............................................................... 248-398-1210 variable annual per- Macomb Township ................................................ 810-566-1300 centage rate of 7%! Royal Oak ............................................................. 248-288-5010 Annual Percentage Shelby Township ................................................... 810-254-5560 Borrow up to 90% of Rate Southwest Detroit ................................................. 313-849-0080 your home’s appraised value Sterling Heights ..................................................... 810-978-7181 Troy ...................................................................... 248-879-5800 less your mortgage balance and Westland .............................................................. 734-425-1520 For hours of operation, please call the specific branch office. pay no fees. We’re continuing the Member Center (to apply for loans) ......................... 1-800-488-2222 program up to the year 2000 for new and Service Centers ..................................................... 1-800-800-9700 Located in Ann Arbor, Detroit, Garden City, Lansing, Livonia, Madison Heights, existing accounts of at least $5,000. You can Novi, Redford, Riverview, Rochester Hills, St. Clair Shores, Sterling Heights, also refinance a home equity loan from Taylor, and Waterford. Hours: M-F : 9-7, Sat: 9 –2 another institution and save significantly. WEST MICHIGAN AREA To open a new account, call 800-447-4448 GRAND RAPIDS Walker .................................................................. 616-453-5500 or your local branch office. But hurry, you 44th Street ............................................................ 616-455-7200 must apply before Dec. 31, 1998. Plainfield ............................................................... 616-361-0802 TRAVERSE CITY *Prime rate will be the rate announced in the latest Sixth Street ........................................................... 616-946-5592 published issue of The Wall Street Journal. The Veterans Drive at 14th Street ................................. 616-941-7330 “Prime Minus 1%” calculation expires Dec. 31, 1999, at which point all accounts revert to the current Prime Rate. OTHER NUMBERS Rates subject to change. TDD Hearing/Speech Impaired .................................. 248-398-2192 Compu-Phone .............................. 248-547-9513 or 800-423-3069 ONE’s Financial Services, Inc. ............................... 810-977-7218 In Grand Rapids or Traverse City, call .................... 800-719-0022 ONE’s Home & Auto Insurance Metro Detroit area ................................................. 248-619-3412 Grand Rapids and Traverse City ONLY ................... 888-511-ONES ONE’s Mortgage ..................................... contact your branch office Worldwide Specialists Travel (toll free) ................... 877-408-7281 Internet: http://www.cuone.org Member Minder is produced monthly for Credit Union ONE members with checking accounts and quarterly for all others. Please address all comments to Bethann Gyorke, Member Minder Editor, Marketing Department, Credit Union ONE, 470 E. Nine Mile Rd., Your savings federally insured to $100,000 Ferndale, MI 48220, or send email to Ms. Gyorke at EQUAL HOUSING cuomkt@cuone.org. LENDER National Credit Union Administration, a U.S. Government Agency
  15. 15. just Notes for members Please note our holiday times Our Thanksgiving, Christmas, and New Year’s Day schedules are as follows: Closed: Thursday, Nov. 26 Closed: Thursday, Dec. 24; Friday, Dec. 25; Friday, Jan. 1 Auto Closed at 1 p.m.: Thursday, Dec. 31 Get our Loans Best Rate! Safe deposit boxes available Keep your precious possessions out of danger in a safe deposit box. Boxes are available at Just in time for end-of-year sales, you can these offices: Ferndale, Shelby Township, get our Best Rate of 7.5% APR* on 1996-1999 Sterling Heights, Troy, Westland, in the metro models (7.75% APR standard). area; 44th Street in Grand Rapids; Veterans It’s easy to get the Best Rate. Just sign up Drive in Traverse City. Call these offices for for Direct Deposit Plus† or Money Market details (numbers are on page 2). Plus and automatic transfer of your payment when you Annual meeting coming up Best Rate apply for your loan. According to the Credit Union ONE bylaws, 7 50 %* Terms for these auto candidates for the open positions on the board APR loans are generous: up to 72 of directors will be nominated and submitted by months for 1998-99 models, the Nominations Committee, a specially formed and up to 60 months for subcommittee of the board. 1996-97 models. Credit Union ONE board members whose terms are expiring in 1999 are Charlene Also consider refinancing an auto loan Augustyn, Charles Bozick, Jr., Marvin Rosenberg, from another institution. You may save a lot! and Guadalupe Lara. Other nominations may be To apply, call the Member Center at made by obtaining petitions now available at the 800-488-2222. You’ll find out right away if main office at 400 E. Nine Mile Rd. in Ferndale. your loan is approved! Completed petitions must be received by Dec. And remember, you can get complete 15, 1998. Members wishing to run for election insurance coverage for your new vehicle at a must obtain 1,000 member signatures on the great price through ONE’s Home & Auto. For petitions no earlier than 120 days prior to this date. a quote, please call the numbers listed at left. Please contact Mark Sebastian or Judi *APR = Annual Percentage Rate. †Direct Deposit Plus is 90% of paycheck Desilets at (248) 398-1210 if you have any directly deposited to a CUO account. Cannot be combined with other questions or would like to request petitions. promotions. Rates subject to change without notice.
  16. 16. from ONE’s Financial messageServices, Inc. A Grow wealth, reduce risk with time-tested strategies When the investment market gets investment in a fixed account, plus nervous, so do investors. If the Dow the growth potential of a variable Jones and other indica- fund. tors show signs of yo-yo To learn more, please contact behavior, it tests the ONE’s Financial Services at resolve of people with 800-719-0022. long-term goals like retirement. How- ever, there are time-tested strate- gies for reducing risk in the most stormy conditions: • Dollar Cost Averaging: Investing a set dollar amount on a regular basis. When fund shares are high, you buy fewer units. When low, you buy more. Over time, your average cost per share is less than the average price per share. • Asset Allocation: Diversifying through a wide range of invest- ments to insulate against market The products offered through ONE’s Financial Services, Inc. extremes. are not federally insured; are not obligations of the credit union; are not guaranteed by the credit union or any • Portfolio Rebalance: Adjusting your affiliated entity; and involve investment risk, including possible loss of principal. ONE’s Financial Services, Inc. account periodically to maintain the representatives are registered representatives of CUNA specific allocations of the types of Brokerage Services, 5910 Mineral Point Rd., Madison, Wisconsin 53705. Member NASD, SIPC. ONE’s Financial investments you’ve chosen. Services, Inc. is a licensed insurance agency. • Fund Preservation: Receiving a guarantee return on an original
  17. 17. DECEMBER 1998 All-region PDF Credit Union ONE MemberMinder Credit Union ONE TM Give yourself the gift Auto of a great rate! Loans If you have a vehicle loan from another institution at a higher rate, you should We’ve giftwrapped our Auto Loans, which definitely consider refinancing.† You may save now offer you an outstanding 6.89% annual quite a bundle, percentage rate on 1996-1999 models— which is * 6 89% just in time to get a safe, new vehicle especially for the winter months. important These new during the for 1996–99 new rates apply holidays! and used vehicles to everyone To apply, and include call the Member very generous Center at 800-488-2222. You’ll find out terms. For right away if your loan is approved! 1998-99 And remember, you can get complete models, you insurance coverage for your new vehicle at can get terms a great price through ONE’s Home & Auto up to 72 months. insurance. For a quote, call 248-619-3412 in For 1996-97 metro Detroit. In Grand Rapids or Traverse models, terms are City, call toll-free at 888-511-ONES. available up to 60 *APR = Annual Percentage Rate. Cannot be combined with other promotions. Rates subject to change without notice. †Does not apply to months. existing Credit Union ONE loans.
  18. 18. ONE’s Credit Union ONE directory TM ADMINISTRATIVE OFFICES 400 E. Nine Mile Rd., Ferndale, MI 48220 .............. 248-398-1210 Toll Free ............................................................ 1-800-451-4292 METRO DETROIT AREA Detroit Medical Center (Receiving Hospital) ............ 313-832-7030 Farmington Hills (Covenant Branch) ....................... 248-855-1101 Ferndale ............................................................... 248-398-1210 Macomb Township ................................................ 810-566-1300 Royal Oak ............................................................. 248-288-5010 Shelby Township ................................................... 810-254-5560 Southwest Detroit ................................................. 313-849-0080 Sterling Heights ..................................................... 810-978-7181 Ribbon Center Building Troy ...................................................................... 248-879-5800 Westland .............................................................. 734-425-1520 is dedicated cutting For hours of operation, please call the specific branch office. to service Member Center (to apply for loans) ......................... 1-800-488-2222 Service Centers ..................................................... 1-800-800-9700 Located in Ann Arbor, Detroit, Garden City, Lansing, Livonia, Madison Heights, Novi, Redford, Riverview, Rochester Hills, St. Clair Shores, Sterling Heights, Your credit union’s new Center Building in Taylor, and Waterford. Hours: M-F : 9-7, Sat: 9 –2 Ferndale was dedicated to servicing members WEST MICHIGAN AREA at a ribbon-cutting ceremony Nov. 5. Richard GRAND RAPIDS J. Bahls, board chairman, and Armando R. Walker .................................................................. 616-453-5500 Cavazos, president and CEO, welcomed 44th Street ............................................................ 616-455-7200 Plainfield ............................................................... 616-361-0802 guests and reflected on the building’s con- TRAVERSE CITY struction. Both emphasized how the new five- Sixth Street ........................................................... 616-946-5592 Veterans Drive at 14th Street ................................. 616-941-7330 story building will serve members’ needs well OTHER NUMBERS into the new century. TDD Hearing/Speech Impaired .................................. 248-398-2192 ©1998 Marsha Valenti, Valenti Photographic, Inc. Compu-Phone .............................. 248-547-9513 or 800-423-3069 ONE’s Financial Services, Inc. ............................... 810-977-7218 In Grand Rapids or Traverse City, call .................... 800-719-0022 ONE’s Home & Auto Insurance Metro Detroit area ................................................. 248-619-3412 Grand Rapids and Traverse City ONLY ................... 888-511-ONES ONE’s Mortgage ..................................... contact your branch office Worldwide Specialists Travel (toll free) ................... 877-408-7281 Internet: http://www.cuone.org Member Minder is produced monthly for Credit Union ONE members with checking accounts and quarterly for all others. Please address all comments to Bethann Gyorke, Member Minder Editor, Marketing Your savings federally insured to $100,000 The Credit Union ONE Board of Directors and administration cut Department, Credit Union ONE, 470 E. Nine Mile Rd., EQUAL HOUSING the ceremonial ribbon at the Center Building’s dedication Nov. 5. Ferndale, MI 48220. National Credit Union Administration, a U.S. Government Agency LENDER

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