Livin’SunStateDecember 2019

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GAINESVILLE MAIN OFFICE405 SE 2nd Place

Gainesville, FL 32601352-381-5200

GAINESVILLE VA BRANCH1601 SW Archer RoadGainesville, FL 32608

352-244-5242

43RD STREET BRANCH2516 NW 43rd StreetGainesville, FL 32606

352-378-2125

ARCHER ROAD BRANCH6305 SW Archer Rd

Gainesville, FL 32608352-373-9334

JONESVILLE BRANCH14133 W Newberry Road

Newberry, FL 32669352-332-9090

ALACHUA BRANCH14520 NW US Highway 441

Alachua, FL 32615386-462-3900

HAWTHORNE BRANCH6005 SE US Hwy 301, Unit 101

Hawthorne, FL 32640352-381-5301

CHIEFLAND BRANCH1003 NW 22nd CourtChiefland, FL 32626

352-490-5700

LAKE CITY VA BRANCH619 South Marion Avenue

Lake City, FL 32025386-752-7894

LAKE CITY BRANCH1605 West U. S. Hwy 90

Lake City, FL 32055386-755-4097

MAILING ADDRESSSunState FCU / PO Box 1162

Gainesville, FL 32627

Toll-Free 877-SUNSTATE(877) 786-7828

eBranchwww.SunStateFCU.org

SunState Federal Credit Union Branches

Official Family of SunState Federal Credit Union

Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency

NCUA

Board of DirectorsCynthia Brochu, Chairman

Patrick Fitzgerald, Vice-ChairmanCalvin Decoursey, Treasurer

Jane Taylor, SecretaryJohn Campen

David NicholsonSharon Papciak

John PowerChad King

Supervisory CommitteeLouis Frost, Chairman

Tresca Clemmons, Vice-ChairmanAnnette Johnson, Secretary

Bill ConradBrenda Stormant

Director EmeritusClifford A. Lyle (deceased)

Edmond T. DoughertyGeorgia P. Vickers

Director of DistinctionWilliam M. Knight, Jr.

Marvis B. Roberts (deceased)Jay Friedman

John D. Dishong, Sr.

Volunteer of DistinctionLee Johnson

Leonard LindseyJack F. Gamble

Marion Holder (deceased)J.C. Webb (deceased)

William E. Austin (deceased)Janet Larson (deceased)

William M Knight, Jr

ANNUAL MEETINGThe SunState Federal Credit Union annual meeting will be held February 25, 2020, 6:30 p.m. at the credit union’s 43rd Street Branch in Gainesville. This year, there will be no ballot for the board election, as three candidates ran to fill three open seats on the board: Jane Taylor, Patrick Fitzgerald and Charles Geiger, Sr.

ABANDONED ACCOUNTSWe are required by state law to report abandoned property to the State of Florida, Department of Banking and Finance. Under state law, an abandoned account is one on which there has been no activity or written record of contact with the owner for a period of five (5) years. If an account or safe deposit box is classified as abandoned, funds or safe deposit box contents will be turned over to the state, as required by law. To find out about property or money which may have been turned over to the State of Florida under this law, you can contact the Department of Banking and Finance, Unclaimed Property Bureau at 1-888-258-2253. We have found prime candidates for abandoned accounts to be education savings accounts opened for nieces, nephews, or grandchildren. If you suspect you have an account or safe deposit box which may be classified as abandoned, please contact a member service representative immediately. Also, please check with your family members to make sure they do not have accounts which may be classified as abandoned.

DORMANT ACCOUNT NOTICEAn account is considered dormant when no member-initiated monetary transaction has occurred for 365 days. The dormant account fee will be assessed on dormant accounts which belong to a member who is 19 years of age or older and who has less than $100.00 on deposit (all share and certificate accounts) and has had no share or loan monetary activity for 365 days (other than credited dividends) and has no loan, share certificate, IRA or VISA account. A fee of $15 per month will be applied against the member’s regular share account. If the account balance reaches $0.00 or less, we may close the account without further notice to you. If a deposit or withdrawal has not been made on the account and the credit union has not had other contact with you for five (5) years, the account will be presumed to be abandoned. Funds in abandoned accounts will be remitted to the State of Florida in accordance with Florida law.

NOTICE: SUSPENSION OF SERVICESServices to members who have caused a loss to the credit union will be suspended at date of regular share account charge-off. Services to be suspended include all accounts and services, such as: eBanking, Money$Line, ATM, pre-authorized transfers (debits), share draft, share certificates, overdraft protection, loans, VISA check and credit cards. Members who have caused the credit union a loss may retain membership voting privileges and maintain only a regular share account. Members may cash personal checks in amounts up to the amount of funds available for withdrawal from their regular share account. Availability of such funds will be withheld until the time funds from the check are available as if it had been deposited. Services may be reinstated by approval in writing of the President/CEO when the member has made satisfactory arrangements to repay the loss amount as provided by policy. If the membership account has been closed, current eligibility for membership must be considered before reopening a share account.

1. Start an emergency fund1. Start an emergency fund

2. Get retirement savings on 2. Get retirement savings on

track track3. Pay off high rate credit 3. Pay off high rate credit

cards cards4. Finish repairs on our house4. Finish repairs on our house

5. Buy a boat (and a new truck 5. Buy a boat (and a new truck

to pull it :)) to pull it :))

Visit SunState Federal Credit Visit SunState Federal Credit

Union for help with my list!Union for help with my list!

2020 New Year’s2020 New Year’s

ResolutionResolutionA new year brings new promises and resolutions to change behavior and do better going forward. Unfortunately for many, those promises get broken over time. That great idea to eat healthy and lose weight is not as easy a few months down the road. Fortunately, a New Year’s Resolution regarding saving money can be much easier to keep if you go about it the right way.

Most New Year’s resolutions require tremendous willpower kept up for months on end if you are to be successful. However, if you want to let SunState Federal Credit Union save you money from now on, it could be as easy as a phone call or a visit to a branch.

Even-up is one of the easiest ways to save money. Once you open a high-yield Even-Up Savings Account, purchases with your SunState debit card are rounded up to the next dollar, with the difference transferred into savings. It’s automated and makes starting to save easy and painless.

Another smart financial move is to consolidate all your high rate retail store credit cards to a SunState FCU Visa® Credit Card. You’ll save money every month with a low interest rate, and only make one payment a month instead of several.

So, if you want to feel good about keeping your New Year’s Resolution, call SunState Federal Credit Union and let us set you up to automatically start saving money. We’ll also look into ways we can lower the amount you’re paying on your current loans.

Let SunState help you keep all your financialNew Year’s Resolutions

Traditional IRAWhen you make contributions, you may be able to reduce your taxable income for the current year.

ROTH IRAAny earnings generated within the IRA are tax-deferred

and you may be able to withdraw earnings tax free.You have until April 15th, 2020 to open or contribute to your IRA for it to count as a deduction on your 2019 income taxes

IRAs can increase your retirement savings potential

IRALook no further than

SunState Federal Credit Union

Alachua County Scramble Championship

Low fixed ratesNo annual fee

Dime back on transactionsLow introductory rateDime Back Rewards*

Transfer all your high-rate store credit card balances to a low rate SunState FCU Visa® Credit Card.

*Qualifying purchases do not include balance transfers, cash advances (including purchases of items that can be traded right away for cash, such as wire transfers, money orders, traveler’s checks), fees, interest charges, or for unauthorized or fraudulent transactions. ®Visa is a registered trademark of Visa International.

GOODTHRU

LEE CARDHOLDER

LEE CARDHOLDER12/1912/19

4000 0000 0000 0000

4000 0000 0000 0000

January 20th

Martin Luther King, Jr DayFebruary 17th

Presidents DayBranch Closings

The 15th Annual SunState Federal Credit Union Alachua County Scramble Championship took place on December 7th, at Ironwood Golf Course. Jeff Cardozo and his crew had the course in outstanding shape for what turned out to be the best tournament yet! With the many contests, raffle prizes and food, the tournament was a great success and raised more money than any of the previous 14 championships. The tournament benefited Noah’s Endeavor, a local charity enabling children with developmental and physical disabilities to participate in swimming, arts, sports and more. Stay tuned later this year for information on the 16th Annual Alachua County Scramble Championship,

December 5, 2020. It will be an exciting event you don’t want to miss. For more information on Noah’s Endeavor, visit them on the web at noahsendeavor.org.

Our Town Family of MagazinesWCJB TV 2097.3 The Sky98.5 KTKESPN 98.1 WRUF103.7 The GatorGold FM 99.5/99.7Magic 101.3

100.5 the Buzz100.9 Classic Hits106.9 I Am CountryThe Shepherd Gainesville High Field MRICutting Edge Lawn CareAmerican Solutions for BusinessRoute 66 Extended Warranty

Florida Forest ProductsVISA InternationalMolly MaidShared Services for Credit UnionsPiesanosGary’s Tackle BoxCuna MutualJeff Tippens Insurance Agency

Harland ClarkAllied SolutionsSorenson VanLeuven Law FirmWilliams Gautier Law FirmPulse Warren Averett CPAs and AdvisorsComfort Inn/Sleep Inn & SuitesCypress & Grove Brewery

Thank you to our sponsors!

Before the start of the tournament. Recognition of National Pearl Harbor Day by David Nicholson. Taps preformed by Christopher Redmond

Apply for your Dime Back credit card now

at SunState Branches!

Shorter term mortgages can save you tens of thousands of dollars over the life of the loan. Contact us now to find out how. Save Money!

Nickels given back to members: Nickels given back to members: 34,027,999 - $1,701,399.0034,027,999 - $1,701,399.00Dimes given back to members: Dimes given back to members: 727,246 - $72,724.00727,246 - $72,724.00

As of December 18, 2019As of December 18, 2019

The Even-Up Special Share earns 4.00% APY²

(Minimum balance to earn APY is $.01- Maximum is $4,000.00)

Your Spare Change Really Adds Up!

¹The even up amount will be taken from your checking account and deposited into your even-up savings. ²Divided rate is 4.00%. 4.00% Annual Percentage Yield (APY) is earned on balances of $0.01 to $4,000.00. Minimum balance to earn APY is $.01. Rates current as of September 17, 2019. Rates subject to change please see current rate schedule for current rates. Even-ups from debit card transactions are accumulated and transferred daily as a single transaction. There must be $25 in the checking account after all transactions post during nightly processing for the even-up posting to occur.

Auto Loans and More!Ask about SunState’s loan options and low rates on new and used cars, trucks, motorcycles, boats and recreational vehicles.