80th Anniversary Edition NEWSLETTER Summer 2016 DemocracyFCU.org MH2DE5 Dear Members: %QDDCNL%QNL@BBDRRSN@ƤNQC@AKD2STCDMS+N@MR ,NQSF@FDR"GDBJHMF@MC2@UHMFR BBNTMSRSN%HM@MBH@K $CTB@SHNMVD@QDGDQDSNGDKOXNTNVMXNTQƥM@MBH@KETSTQD (GNODNTQMDVRKDSSDQƥMCRXNTVDKK@MCXNT@QDQD@CX SNDMINXSGDAQDDYXRTLLDQDUDMHMFR6GDSGDQXNT@QD OK@MMHMFSNSQ@UDKNQVHKKADƥMCHMFRNK@BDHM@RS@XB@SHNM #DLNBQ@BX%"4G@RSGDQDRNTQBDRSNGDKOXNTG@UD@M DWBHSHMFRTLLDQ +DSTRGDKOXNTQD@BGXNTQFN@KRVHSGNTSEDDKHMFSGDƥM@MBH@K GD@S1DBDHUD@BQTHRDENQSVNVGDMXNTƥM@MBDXNTQ'NLD $PTHSX+N@MNQFDS"@RG!@BJVGDMXNTOTQBG@RDNQ QDƥM@MBDXNTQB@QVHSGTR@MCG@UDSGDRTLLDQNEXNTQ CQD@LRʖ 3GHRXD@Q#DLNBQ@BXHRBDKDAQ@SHMFHSRSGXD@QNERDQUHBDSN XNTNTQKNX@KLDLADQR3GDVNQKCG@RBG@MFDCCQ@RSHB@KKX RHMBDVDQDBDHUDCNTQBG@QSDQHMATSSGDBNQDNEVG@S VDADKHDUDHM@MCNTQCDCHB@SHNMSNXNTBNMSHMTDRSNADSGD BDMSDQNENTQRTBBDRR 3G@MJXNTENQXNTQTMV@UDQHMFKNX@KSX@MCCDCHB@SHNM 6NQJHMFENQRTBGVNMCDQETKLDLADQRJDDORTRLNSHU@SDCSN AD@BQDCHSTMHNML@QJDCAXBQD@SHUHSXHMMNU@SHNM@MCVNQKC BK@RRRDQUHBD 6HSGXNTHMLHMCVDG@UDCDUDKNODCSGD,DLADQ!HKKNE 1HFGSRGHFGKHFGSHMF@KKSGDV@XRXNTB@M@BGHDUD%HM@MBH@K 3GD %DCDQ@K "QDCHS4MHNM BSHRQ@SHƥDC ,@X QDBDHUDC BG@QSDQ@RSGD 2NBH@K2DBTQHSX $LOKNXDDR %DCDQ@K"QDCHS 4MHNM President /CEO Kathy@DemocracyFCU.org Our History -@LDV@R BG@MFDCSN%2 $LOKNXDDR%DCDQ@K "QDCHS4MHNM -@LD V@RBG@MFDCSN '$6$LOKNXDDR %DCDQ@K"QDCHS 4MHNM -@LD V@RBG@MFDC SN'$6%DCDQ@K "QDCHS4MHNM Celebrating 80 Years of Service 2TQO@RRDC ʙLHKKHNMHM @RRDSR 'HS ʙLHKKHNM HM@RRDSR Kids Corner -@LD V@RBG@MFDC SN#DLNBQ@BX %DCDQ@K "QDCHS4MHNM ʙ LHKKHNMHM @RRDSRXD@QR NERDQUHBDSN ,DLADQR )NHMNTQ 'DQDHR@KHRSNERTLLDQETMHCD@RENQJHCRNE@KK@FDR &NSN@M@LTRDLDMSV@SDQO@QJ 5HRHS@LTRDTLL@MXG@UDOQNFQ@LRENQJHCRVHSGG@MCRNM@BSHUHSHDR $MINXE@LHKXSHLDTMCDQSGDRS@QR6@SBG@MNTSCNNQLNUHDLNRS@QDEQDD .ODMXNTQƥQRSXNTSG@BBNTMSŔ#DLNBQ@BX%"4V@HUDRSGDXNTSG LDLADQRGHOEDD@MCNƤDQRRODBH@K2@UHMFR"DQSHƥB@SDRQ@SDR )NHM@XNTSGRTLLDQRONQSRKD@FTDŔ#",DSQN@QD@G@R@U@QHDSXNERONQSR @MCKNB@SHNMR @MCNODM@ Savings Account SNFDS@GD@CENQ SGDGNKHC@XRʖ Community Update 2016 Annual Meeting of Members .M,@XVDGNRSDCSGD#DLNBQ@BX%"4 MMT@K ,DDSHMFNE,DLADQR@MCSG MMHUDQR@QX"DKDAQ@SHNM HMSGD&QD@S'@KKNESGD'TADQS''TLOGQDX!THKCHMF 6@RGHMFSNM#"3GD MMT@K,DDSHMFOQNUHCDCLTBGHMRHFGS HMSNSGDSDBGMNKNFXHMHSH@SHUDR@MC@CU@MBDRVDG@UDL@CD CTQHMF%QNL.MKHMD@MC,NAHKD!@MJHMFSN1DLNSD #DONRHS"@OSTQD/DQRNMSN/DQRNMSQ@MREDQR@MCLTBGLNQD #DLNBQ@BX%"4HRRS@XHMF@GD@CNESGDBTQUDAXHMUDRSHMF HMNTQBTRSNLDQDWODQHDMBDUH@VDARHSD@MC@CU@MBDC LNAHKD@OOKHB@SHNMR 3GHRXD@QŗR MMT@K,DDSHMF@MC MMHUDQR@QX"DKDAQ@SHNM VDKBNLDCA@BJ*DXMNSD2OD@JDQ,HBGDKKD2HMFKDS@QX TSGNQ 6@RGHMFSNM/NRS"NKTLMHRS@MC%HM@MBH@K$LONVDQLDMS 2OD@JDQ2HMFKDS@QXENBTRDCNMDCTB@SHMF@SSDMCDDRNMSGD U@KTDNER@UHMFQDCTBHMFXNTQCDAS@MCL@WHLHYHMFSGD TRDNENTQOQNCTBSR@MCRDQUHBDRSG@SB@MGDKOFTHCDXNTSN ƥM@MBH@KEQDDCNL 6D@KRNHMSQNCTBDC"GDE"XMSGH@ MCDQRNMNVMDQNE#"ŗR (MSHL@SD2DMSHLDMSRVGNCDKHUDQDC@OQDRDMS@SHNMNMGNV SNOQDO@QDPTHBJGD@KSGXLD@KRSNR@UDLNMDX@MCSHLD MCƥM@KKXLDLADQRRS@Ƥ@MCSGDKD@CDQRGHOSD@LVDQD DMBNTQ@FDCSNLNUDSNSGD9TLA@AD@SVHSG(MRSQTBSNQ ,XQH@L2D@X "KNRHMFSGDDUDMSV@RSGD%HM@MBH@K%@HQONQSHNMSG@SF@UD LDLADQR@MNOONQSTMHSXSNUHRHSVHSGRS@Ƥ@MCKD@QMLNQD @ANTSOQNCTBSR@MCRDQUHBDR .M,@X #DLNBQ@BX%DCDQ@K "QDCHS4MHNMQDBDHUDCSGD LDQHB@2@UDR#DRHFM@SHNM NE2@UHMFR$WBDKKDMBD ENQ"QDCHS4MHNMRENQSGD RDBNMCXD@QHM@QNV #DLNBQ@BX%"4QD@BGDC NTSSNLDLADQRRS@Ƥ@MC EQHDMCRSNGDKOřETMQ@HRDŚ ENQSGD1DC-NRD#@X %TMC@MCBNKKDBSDCʙHM CNM@SHNM Dormant Accounts/Unclaimed Property 6G@SHRTMBK@HLDCOQNODQSX'NVCNDRHS@ƤDBSXNTQ @BBNTMSRVHSG#DLNBQ@BX%DCDQ@K"QDCHS4MHNM $@BGXD@Q#DLNBQ@BX%DCDQ@K"QDCHS4MHNMLTRS@BBNQCHMF SNSGD2S@SDŗR4MBK@HLDC/QNODQSX BSHCDMSHEX@MX@BBNTMSR ENQVGHBGSGD@BBNTMSNVMDQG@RG@CMNBNMS@BSENQ@RODBHƥB ODQHNCNESHLD3GDODQHNCNESHLDU@QHDR@BBNQCHMFSNRS@SD ATSHRFDMDQ@KKXXD@QR 3GDLNRSBNLLNM@BBNTMSR@QDR@UHMFR@MCBGDBJHMF @BBNTMSRDWBKTCHMF(MCHUHCT@K1DSHQDLDMS BBNTMSR@MC 2G@QD"DQSHƥB@SDRSG@SG@UDMNSG@C@SQ@MR@BSHNMŔCDONRHS NQVHSGCQ@V@KŔHMSGDO@RSSGQDDXD@QR 6DL@JDDUDQXDƤNQSSNDMRTQDSG@SXNTQETMCR@QDMNS ENQV@QCDCSNSGD2S@SD4MBK@HLDC/QNODQSX#HUHRHNM $UDQXXD@QVDRDMCKDSSDQRSNSGDLDLADQRVGNL@XAD RTAIDBSSNSGD BS3GHRXD@QVDVHKKRDMC@ƥQRSMNSHƥB@SHNM 2 KDSSDQHM)TKX .TQLDLADQRVHKKAD@AKDSNRHLOKXRHFMSGDKDSSDQVGDQD HMCHB@SDC@MCQDSTQMSGDKDSSDQSNTR6DVHKKSGDMTOC@SD XNTQ@BBNTMSMNSHMFSG@SXNT@QD@V@QDSG@SXNTQETMCR@QD NMCDONRHSVHSG#DLNBQ@BX%DCDQ@K"QDCHS4MHNM.QXNT L@XL@JD@CDONRHSSNXNTQ@BBNTMSR@S@MXSHLDVGHBG VHKKQDRS@QSSGDCNQL@MBXODQHNCENQTMBK@HLDCOQNODQSX $HSGDQLDSGNCVHKKTOC@SDXNTQ@BBNTMSENQSGDOTQONRDNE BNLOKXHMFVHSGSGD4MBK@HLDC/QNODQSX BS 6DVHKKRDMC@RDBNMCMNSHƥB@SHNMKDSSDQ Please take the time to update your address and phone QXPEHUVRQ\RXUPHPEHUVKLSDFFRXQWVRWKDWRXUVWDƨLV able to reach you. You can do this via online banking, at a Branch or by calling 800.742.5582. DemocracyFCU.org Make Life Simple! Get a Home Equity Loan 3 & Receive a 5 Day/4 Night Cruisecation! Va U7ZR R I H W D F Ʋ L W U H 4 & -N OOKHB@SHNM%DD-N"KNRHMF"NRSRNM'NLD$PTHSX+N@MR@MC'NLD$PTHSX+HMDR NE "QDCHS (E @ KN@M HR O@HC NƤ VHSGHM LNMSGR SGD LDLADQ VHKK AD QDPTHQDC SN QDHLATQRD#DLNBQ@BX%"4ENQBKNRHMFBNRSRO@HCNMSGDLDLADQŗRADG@KE,DLADQHR QDRONMRHAKDENQCDONRHSHMFETMCRENQSGD@OOQ@HR@KEDD@MCVHKKG@UDETMCRQDKD@RDC SNSGDLVGDMSGDKN@MBKNRDR(E@KN@MCNDRMNSBKNRDETMCRCDONRHSDCVHKKADTRDC SNQDHLATQRD#DLNBQ@BX%"4ENQSGDBNRSNESGD@OOQ@HR@K.SGDQEDDRL@X@KRNG@UD SNADO@HCHESGDKN@MCNDRMNSBKNRD "QTHRD U@B@SHNM BDQSHƥB@SD HR U@KHC ENQ SVN ODQRNMR ENQ @ #@X -HFGS BQTHRD SN ,DWHBN SGD !@G@L@R NQ SGD 6DRSDQM "@QHAAD@M @AN@QC RDKDBS BQTHRDR VGHKD RTOOKHDR K@RS "QTHRD BDQSHƥB@SD U@B@SHNM HR U@KTDC TO SN ʙ "QTHRD U@B@SHNM BDQSHƥB@SDQDBHOHDMSHRQDRONMRHAKDENQONQSBG@QFDRS@WDRBTRSNLR@MCETKƥKKLDMS EDDR2DDBQTHRDBDQSHƥB@SDENQETKKCDS@HKR CCHSHNM@KSDQLR@MCBNMCHSHNMR@OOKX +HLHSDC3HLD.ƤDQ p i k SPayment! a Auto Loan To celebrate summer fun we are bringing back our Skip-A-Payment program. You can choose to skip your July payment on your Automobile or Signature Loan! The application for this program will be available on the website beginning June 1, 2016 and all applications must be received by July 15, 2016. You may call the Member Call Center (202) 488-5400 and an application can be emailed, faxed, or mailed to you. Completed application forms can be faxed to Skip-A-Payment (571-527-2333) or emailed to Lending@DemocracyFCU.org. Turnaround time for a response is between 3-5 business days. Mortgage Loan Enjoy Your Summer Drive with 1 CASH BACK % & Interest Rates as low as Don’t Miss Out on the Summer Skip-A-Payment Program – for the Month of July Only! 1.35% RECEIVE UP TO $2000 in closing costs on loan amount and loan term when you finance your mortgage with Democracy FCU. APR1 1% Cash Back on new/used auto purchase loans and refinancing of existing loans with other institutions. /1 MMT@K/DQBDMS@FD1@SD-DV,NMDXNMKX,DLADQ+NX@KSXQ@SDCHRBNTMSTOSNA@RDCNMLDLADQRGHOXD@QR@MCB@MADTRDCVHSGQ@SDQDCTBSHNMENQLDLADQRVHSG CHQDBSCDONRHSNEMDSO@X@MCNSGDQCHRBNTMSRATSB@MMNSDWBDDCSNS@KCHRBNTMSNEODQKN@M1@SDHRA@RDCNMBQDCHSRBNQDRNXNTQQ@SDL@XADCHƤDQDMS4MCDQVQHSHMFFTHCDKHMDR @OOKX+HLHSDC3HLD.MKX" 2'! "*CNDRMNS@OOKXSN@MXNSGDQKN@MOQNCTBSR 8 hot tips for a summer ready home 8NTG@UDADDMQD@CXENQSGDRTLLDQRTM@MC QDK@W@SHNMRHMBD)@MT@QXATSVG@S@ANTSXNTQ GNLD 'DQD@QDQDBNLLDMC@SHNMRSNFDSXNTQ GNLDOQDO@QDCSNRTQUHUDSGDRTLLDQ "KD@MXNTQQDEQHFDQ@SNQBNHKR 2VHSBGBDHKHMFE@MRSNQNS@SDBNTMSDQBKNBJVHRDSNCHRSQHATSD BNKC@HQ 2@UDDMDQFX@MCG@MFK@TMCQXNTSCNNQRSNCQX ,HMHLHYDLNRPTHSNDRAXQDLNUHMFRS@MCHMFV@SDQ@MCTRHMF NTSRHCD+$#NQATFKHFGSR +NVDQSGDSDLODQ@STQDNEXNTQV@SDQGD@SDQ "KD@MXNTQ "ŗR@HQƥKSDQDUDQXLNMSGCTQHMFSGDRTLLDQ "KD@MXNTQBKNSGDRCQXDQDWG@TRSCTBS@MCRO@BD TMCDQMD@SGSGDCQXDQ "KD@MXNTQF@QA@FDCHRONR@KTRHMFHBDBTADRKDLNMITHBD @MCQTMMHMFV@SDQ Did you know? You can download the free “CO-OP ATM /RFDWRUŞPRELOHDSSWRƩQGWKHVXUFKDUJH free ATM nearest to you! Democracy FCU has a Member Referral Rewards Program? And the referring member and new member both get an easy $10! Democracy FCU has free checking accounts with no minimum balance required! You can deposit checks 24/7 using our Mobile Banking app’s Remote Deposit Capture (RDC)! Your friends that live, work, worship, attend school or regularly conduct business in the DC Metro area can join Democracy FCU! Democracy FCU has Signature Loans with interest rates as low as 7.99% APR2! 2 /1 MMT@K/DQBDMS@FD1@SD-DV,NMDXNMKX ,DLADQ+NX@KSXCHRBNTMSTOSNA@RDCNM LDLADQRGHOXD@QR@MCB@MADTRDCVHSGQ@SD QDCTBSHNMENQLDLADQRVHSGCHQDBSCDONRHSNEMDSO@X @MCNSGDQCHRBNTMSRATSB@MMNSDWBDDCSNS@KCHRBNTMSNE ODQKN@M1@SDHRA@RDCNMBQDCHSRBNQDRNXNTQ Q@SDL@XADCHƤDQDMS4MCDQVQHSHMFFTHCDKHMDR@OOKX +HLHSDC3HLD.MKX • #NVMKN@CSGDEQDD#9.-$ OOSNC@X @MCFDSMNSHƥB@SHNMRA@RDCNMXNTQ BTQQDMSKNB@SHNMRNXNTMDUDQLHRR@ BG@MBDSNR@UDAHFʖ • 1DBDHUDCHRBNTMSREQNL@VHCDU@QHDSX NE QDS@HKDQRKHJD!DRS!TX#TMJHMŗ #NMTSR5@MS@FD%HSMDRR6HMF@SD'NSDKR 3@QFDS ,"3GD@SQDR"@ED!NM@O@QSD 6@KS#HRMDX6NQKC1DRNQS'@OOX3@HK &QNNLHMF2@KNM@MCL@MXLNQDʖ Mobile Banking – P2P Payments • -DDCSNO@XQDMSNQKN@M@EQHDMC LNMDX2DMCHSUH@#DLNBQ@BXŗR// /@XLDMSRʖ • 2DMCLNMDXSN@MXODQRNMVGNG@R@M @BBNTMSVHSG@42ƥM@MBH@KHMRSHSTSHNM AXDMSDQHMFSGDQDBHOHDMSŗRDL@HK @CCQDRRNQLNAHKDOGNMDMTLADQ • 3GDQD@QDMNEDDR@MCXNTQETMCRVHKKAD CDKHUDQDCVHSGHMSVNATRHMDRRC@XR Download Today! CONTACT US /.!NW[ KDW@MCQH@5 P: [Toll Free: Fax: [Web:VVV#DLNBQ@BX%"4NQF