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The Lisbon Community Federal Credit Union exists to provide quality products and services that

meet the financial needs of the Membership, while remaining financially secure.

MISSION STATEMENT

Business of theMonth

Frauds andScams

.your financial future.Framing

BLUEPRINT

Our Holiday CardContest Winner!

2019 Fund Raising Total

This year was a milestone for your Credit Union: 60 years serving our Members. We came from humble beginnings and are now a thriving part of the communities we serve!

The Lisbon CU was founded in September of 1959 to serve those who resided or worked in the town of Lisbon, and persons who lived within a 3-mile radius of the Lisbon Falls Post Office. Since that time, our Credit Union has grown steadily and thoughtfully to keep pace with the needs of our Members. We have grown from serving Lisbon and 81 Members in 1959 to serving 8 communities and 9,600 Members in 2019!

We celebrated this year with a special Member Appreciation Day and thanked Members with a gift and a catered BBQ! To continue the celebration until the end of February 2020 we are offering 60th Anniversary rate specials for you with rates based on years of Membership. (Go to: https://www.lisboncu.org/Rates.aspx and click on the link Special 60th Anniversary Rates.)

As we move forward, our focus will continue to be on community. The strengths of our community determine the potential of our local economy to support its growth. For this we need your continued support. By being a Member, your dollars stay local. We reinvest your money right here in our towns so your investment becomes your neighbor’s loan, which strengthens our community.

A sincere thank you for making us a valued part of the communities we serve. Your Membership keeps our communities growing strong!

Winter 2019 - 2020

Thank You Members for 60 years

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Natalie Bichrest, 10, of Lisbon Wins Our Holiday Art Contest!

IRA’sWhat you need to know

The Credit Union recently held its annual holiday card artwork contest for children 12 & under. The winner has their artwork featured on the Credit Union’s 2019 holiday greeting cards and wins $50! The artwork received from 27 children was displayed at the main office with voting ballots available for everyone who visited. The kids worked hard on their designs and all contestants received many votes. Winner Natalie came in with her Dad to pick up the prize. She was very happy and received many kudos on our Facebook posting about her! Second place went to Megan R., 10 years old of Durham and third place went to Nevaeh S., age 5 of Lisbon. Runners up each received $20 Monty Moose bucks!Congratulations, Natalie!

You work hard for your money...Like many Americans we all work hard for our money and pay our taxes. IF you are looking to save for your retirement AND get a tax break,

consider an IRA account. With Tax Season approaching are you looking for an extra deduction? Consider making a contribution to a Traditional IRA at Lisbon Credit Union. All you need to be eligible to open an IRA is have earned income, a primarary savings account and have not reached the age of 70 1/2 before the end of the year and we will take care of the rest. There is no deposit schedule you have to follow. Simply make a contribution when it is convenient for you. You may contribute up to $6000.00 annually ($7000.00 if you are over 50). Every little bit helps! You may make contributions right up until Tax Day for the previous year.It’s never too early OR too late to start one!For more information on IRA accounts we offer, just stop into one of our locations and ask to speak with one of our Member Service Representatives.* You may also visit our website at lisboncu.org to review additional information about our IRA accounts and eligibility and income limitations. Simply click on Savings & Checking tab, followed by Retirement Accounts and review all the information, including links to the brochures about the different options of IRA accounts.

*We do advise you to speak with a tax professional.

Wonder if our office is closed due to the weather? We post on Channel 6,8 and 13 and on Facebook!

Save the Date! Our Annual Meeting is right around the corner! Sunday, March 22nd, 2 PM at the Lisbon Community School Gymnasium. The Membership will be asked at this meeting to elect 2 Directors for terms of 3 years. All Members in good standing may nominate a Member for the position of Director. All nominations must include a resume outlining the nominee’s education or experience that would be pertinent to their service as a Director.

Nominations must be submitted no later than March 19, 2020 and addressed to: Nominating Committee Lisbon Community Federal Credit Union 325 Lisbon Street P O Box 878 Lisbon, ME 04250

Building Futures. Preserving Dreams.3

Anniversaries!

Loni Knoedler32 Years

Kaela Bradstreet 9 Years

Robin Arsenault34 Years

Ashley Lebel8 Years

Vickie Lajoie4 Years

Randi Whitman 4 Years

4th Quarter

New Employees

Diane Whitten8 Years

There is still time! Start a Holiday Club account TODAY! You’ll be amazed at how much it can help during the holiday season .

Jim HatchJim filled the new position of Information Systems Officer on May 28, 2019. Jim lives in South Paris with his wife Heather and their son Matt. He comes to us from Northern Data Systems in Falmouth.

Miranda SmithMiranda started with the Credit Union as a part time teller on September 9, 2019. She lives with her Mom, Dad and brother in Lisbon. She has a sister and 2 nephews and loves spending time with her family. They have 2 dogs, both dachshunds.

Gale MenardGale became a teller at the Credit Union on September 3, 2019. She lives with her husband of 36 years, Robert, in Lisbon. She has 3 kids, 6 grandchildren and 1 great grandchild! She enjoys spending time with her family. Gale also enjoys BINGO!, cooking and cruising whenever the time allows. Welcome to the Team!

We help YouGET it.

We offer quality low rate loansfor whatever your heart desires!

Join us in welcoming...

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Ending Hunger in Maine

Getting a Tax Refund? Our routing # is 211287984 You can have your tax refund direct deposited in your account in ONE EASY STEP! For savings, use your member number. For checking, use the 12 digit account number on the bottom of your checks. Fundraiser

THANK YOU to our membership for your continued support of our Ending Hunger Campaign. We had many great fundraisers throughout 2019 and are pleased to announce that together we raised

$17,000.00

for this worthy cause!

Windows 7 Support is EndingAre you ready for the end… of Windows 7 support?

On January 14, 2020, Windows will end support for it’s Windows 7 Operating System. Ongoing support of Operating Systems is vital to keep your PC or laptop protected from viruses, malware, and other threats. What can you do about it?

UPGRADE. Visit www.microsoft.com and see if your PC or laptop is capable of an upgrade to Windows 10. If not, consider purchasing a new PC or laptop. Consider alternate Operating Systems, too, such as Chrome OS (available on Chromebook laptops), or Mac OS (available on Mac laptops and desktops).

Using an out of date Operating System puts your entire computer at risk, so don’t delay.

5 Lending money...responsibly!

To promote the local business economy, the Credit Union began a new initiative in March 2016 called Business of the Month. Businesses are given the opportunity to showcase their products and services to build awareness and help promote their business.

Our Business of the Month display for October was Daniel Buck Auctions located at 501 Lisbon Street in Lisbon Falls. Daniel specializes in appraisals, valuations, trust & estate services, and auctions. Since 1999, you may have seen Daniel as an independent appraiser on the PBS television show ANTIQUES ROADSHOW where he had a number of on air valuations.

In November we hosted Maine Pellet Sales of Lisbon Falls. Owner Curtis Pass offers biobricks and wood pellet, both soft and hard. Maine Pellet Sales will deliver 1 ton or 10 for the same flat fee!Visit them today at 680 Lisbon Street in Lisbon Falls.

December’s Business of the Month was Wilderness Miracles Wildlife Rehabilitation of Lisbon. Owner Kathi McCue Reed and other volunteers from this local non-profit help abandoned, orphaned or injured wildlife, existing solely on donations.Would you be interested in

showcasing your business? We will provide a small table and help you set up a display featuring your business. There is no cost for this service. We have placed a Business of the Month box at the Receptionists’ desk in our main office for you to deposit your business card, or you may email Vickie at v.lajoie@lisboncu.org. We will choose a new business each month and look forward to helping your business succeed.

Business of the Month Fall Showcase

20201st Quarter ROCKSTAR The Lisbon Credit Union is pleased to announce the latest ROCKSTAR Award Winner for the 1st Quarter of 2020 - Jennifer Parent, Member Service Representative at our Lewiston office! She received a trophy, $50, and a paid day off. Members recognized her as always being available and taking time to assist with questions. She is also always willing to cover other positions in the Credit Union as needed to make sure our Members are taken care of promptly. Jen lives in Sabattus with her husband, Derek, and 2 children, Miles, 4, and Abby, 7. She has been with the Credit Union for 10 1/2 years. She likes singing and riding horses, though she just got her motorcycle license, so bike riding will play a big role for activities in the spring!The Credit Union’s Employee Recognition Program was created at the end of 2014. The program allows staff members and Members to nominate an employee on outstanding Member service and various other factors. One winner is chosen every quarter.

Using Remote Deposit Capture to deposit your

checks? Remember to endorse the back!

Who do you think will win the Superbowl?Send us your answer for a chance to win $50!Winner:__________________________

How to reach me:__________________ Deadline for entries: Friday, 6 PM, 1/31/2020 Winner drawn Monday, Feb 3rd at 9 AM!

Send to: Lisbon CU, P.O. Box 878, Lisbon, ME 04250 or private message us on Facebook!

Mon-Thurs.................... 9am-5pm Friday............................ 9am-6pm Saturday........................ 9am-Noon

Drive Up Opens at 7:30 am Monday - Saturday

WEBSITE: www.lisboncu.orgEMAIL: memberservices@lisboncu.org

Toll Free: (877) 353-4144ART: (207) 353-5195

Toll Free ART: (888) 353-5195

BUSINESS HOURS

NEWSLETTER COMMITTEE

325 Lisbon St. PO Box 878 Lisbon, ME 04250 • •802 Sabattus St. Lewiston, ME 04240 •

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Thank You for Being

a Member!

(207) 353-4144

SCAMS• If you receive a phone call from your own phone number- DO NOT ANSWER. It’s a scam.• Do not rely on caller ID. Any number can be faked. • If you receive a phone call from someone claiming to be from your bank or credit union and

asks you for your full card number and expiration date, and security code- DO NOT GIVE OUT THAT INFORMATION. It’s a scam. When in doubt, hang up, and call your bank or credit union directly.

• Scammers will say anything to get you to provide your account information. DO NOT FALL FOR THIS ACT.

• If you owe money to the IRS, you will not find out via phone call with threatening language. The IRS communicates via US Mail. When in doubt, hang up, and call the IRS directly.

• Never, EVER, purchase gift cards and give the card number and PIN to someone over the phone. Gift cards are like cash and cannot be recovered. Remember that gift cards are for GIFTS- to your family and friends! A legitimate business or government entity will never require a payment via gift card.

• For more resources, please visit https://www.consumer.ftc.gov/features/feature-0030-pass-itHeather Brochu Jessica MorrillDenise Dube Jennifer Parent Jason Hilt George Roy Vickie Lajoie Lorraine Turcotte

FRAUDS &HOLIDAY CLOSINGS

MARTIN LUTHER KING JR. DAY Monday, January 20th- CLOSED

PRESIDENTS’ DAY Monday, February 17th -

CLOSED

UPCOMING

Here are some tips to keep you safe!