This document provides information about Credit Union ONE's home equity line of credit offering a prime minus 1/2% annual percentage rate of 8.5% until June 30th. It encourages members to take advantage of this rate by applying by March 31st and taking an initial draw of at least $10,000. It notes the benefits of borrowing up to 100% of the home's value, tax deductibility of interest, and easy application methods. It also advertises competitive rates on 9-month CDs.

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. 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. 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. 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. 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. 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. 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. 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. |
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. |
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. |
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
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Resource Team is a
the morning and late in the evening. late in the evening.
voluntary consortium of
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EMU faculty development
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teams, including
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• FCIE: Faculty Center for
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Instructional Excellence
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How to get a raise Help your union add to its wage negotiations
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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
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Join Stuart Karabenick to learn why
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FCIE: Teaching du Jour
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4:30–4:35 p.m. June 31
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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-
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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. 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. 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. 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. 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. 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