ornl fcu update vol. 49, no. 4

67th Annual Meeting

Candidates for Board of Directors Selected,

Board Petitions Now Available

Page 3

• Home Buying Seminar

• Love My Credit Union Rewards

• Tapping Into Your Home’s Equity

• HBAGK Parade of Homes

Page 4

• Christmas Club Payout

• B.A. Chandler Scholarship Winners

• Upcoming Events & Holidays

Fourth Quarter • Vol 49 • No.4

Published quarterly by ORNL Federal Credit Union

Put Your Finances Into Focus

The Middlebrook Pike Branch of ORNL Federal Credit Union recently went through a major renovation designed to enhance service and value to members. The branch, located inside the Food City at 9565 Middlebrook

Pike, re-opened in its new location within the store on Monday, August 25th.

The renovated Middlebrook Pike Branch promotes shoulder-to-shoulder

service through its open fl oor concept. There are now two private offi ces for

members to work directly with branch staff on their deposit and loan service

needs. New enhancements to the branch also include: interior design, teller

pods, an interactive digital display, and more!

In addition to the Middlebrook Pike Branch, three other Food City

in-store ORNL FCU branches will be remodeled by mid-November (Clinton,

Lenoir City, and Maynardville). We can’t wait for you to see our new in-store

branch look and invite you to come by any branch for an unforgettable

member experience!

Put Your Finances Into F

Branch Makeovers!

In October, ORNL Federal Credit Union will launch a new Personal Financial Management (PFM) tool that puts personal fi nances into “focus.” Focus Money Manager

is a powerful and engaging fi nancial mobile app and

desktop application that will make managing accounts

and family budgets easy. This new tool will allow you to

view all your fi nances in one place!

This new software will be available within Online

Banking and as a standalone app on your mobile device.

We are excited to provide you with this new tool to help

you develop a healthy

relationship with your

money!

•

Focus Money Manager will enable you to:

• Manage all fi nancial accounts (even non-ORNL FCU) in one

central location

• Check account balances

• Automatically categorize

transactions

• Create budgets

• View insightful reports

67th Annual Meeting Candidates for Board of Directors Selected, Board Petitions Now Available

O n Thursday, March 5, 2015, ORNL

Federal Credit Union will hold the Annual

Meeting of the Membership at 6:00 p.m. All

members are invited to attend. Reports from the

Board of Directors’ Chair and Treasurer will be

shared with members along with the names of

the appointed Board Directors.

There are three positions on the Board of

Directors to be fi lled in 2015, all of which are

for a three-year term. The members of this year’s

Nominating Committee, Sam McKenzie (Chair),

Herb Debban, and Joe Setaro, have submitted

the names of three members as candidates for

the three available positions on the Board of

Directors. The nominees are Leigha Edwards,

Randy Gorman, and Jama Hill. Biographical

information for each nominee is included below

in alphabetical order.

Petitions and Petition Applications will be

available beginning Wednesday, October 1,

2014, for persons interested in running for

one of the three ORNL Federal Credit Union

open Board seats. Each nominee by Petition

will need to fi ll out and submit a Petition

Application to serve on the Board of Directors.

Petitions and Petition Applications are available

by contacting Jen Didyk at 865.425.2700

or [email protected]. Please note that no

nominations from the fl oor will be accepted

during the Annual Meeting.

Persons using a Petition to run for a seat

will be required to obtain 500 signatures of

ORNL FCU members age 18 or older. A signed

certifi cate stating that he or she is agreeable

to nomination and will serve if elected to offi ce

must accompany each Petition Application.

Petitions and Petition Applications will need to

be returned to the Secretary of the Board no later

than Wednesday, November 5, 2014, and can

be mailed to ORNL Federal Credit Union, Attn.

Secretary of the Board, P.O. Box 365, Oak

Ridge, TN 37831-0365.

Once all Petitions and Petition Applications

have been received and validated, members

will be notifi ed in writing of all Nominating

Committee and Petition candidates who are

interested in running for the three available

positions on the Board of Directors. If no Petitions

are received, an election will not be conducted

because the number of Nominees and the

number of Board positions to be fi lled are equal.

If there are more than three candidates and an

election is to be held, the voting period will be

held February 18 – February 27, 2015. The

three candidates with the most votes will fi ll the

three-year term positions and will be announced

at the Annual Meeting.

Nominees Selected by the Nominating Committee

Leigha Edwards*

Ms. Leigha Edwards is currently Protocol & Community Relations Manager for UT-Battelle, LLC for Oak Ridge National Laboratory. She

has been affi liated with ORNL Federal Credit Union for 19 years; fi rst as a member and employee, then later as a Director. She joined the

Board in 2006, and has served on the Legislative & Governmental Affairs and the Volunteer Governance & Policy committees. Ms. Edwards

received her Bachelor of Arts degree in English from the University of Tennessee, Knoxville, and is a CUNA Southeast Regional Credit Union

School of Management certifi cate holder. She has served on the boards of the East Tennessee Economic Council, the Oak Ridge Chamber of

Commerce, and the American Museum of Science and Energy Foundation. Ms. Edwards notes that she “look[s] forward to the opportunity to

continue working to make ORNL FCU the best credit union it can be for our members.”

Jama Hill*US ITER Business Manager Ms. Jama Hill is an employee of UT Battelle, LLC for Oak Ridge National Laboratory. She has been a member

of ORNL Federal Credit Union for 37 years, and began serving as a volunteer on the Supervisory Committee in 2002. Ms. Hill was elected

to the Board of Directors in 2003 where she has served on the Retirement Plans & Investments, Volunteer Policy & Governance, and Asset

Liability & Investment committees. She has held the offi cer position of Board Treasurer since 2012. A graduate of Tennessee Technological

University, Ms. Hill earned a Bachelor of Science degree in Accounting, and has over 37 years of experience in budgeting, accounting, and

managing multi-billion dollar projects. She believes her fi nancial background and prior Board experience to be benefi cial to her work as a

Director, and would like to use this experience “to serve the Credit Union.”

Randy Gorman*Manager of Program Systems Support at UT Battelle, LLC for Oak Ridge National Laboratory, Mr. Randy Gorman has been a member of

ORNL Federal Credit Union for 31 years. He served for six years on the Supervisory Committee prior to becoming a Board Member. Mr.

Gorman joined the Board of Directors in 2006 and was appointed Vice Chair of the Board in 2014. He has also served on the Legislative

& Governmental Affairs, Volunteer Policy & Governance, and Nominating committees. For the past four years, Mr. Gorman has been a

Governor of the Credit Union’s Service Organization: CU Community, LLC. A University of Tennessee, Knoxville graduate, Mr. Gorman

holds a Bachelor of Science in Business. He believes his background in computer security especially relevant, and would like to continue as a

Director to “ensure that the member’s best interest is taken into account with every decision that is made and to continue to support the credit

union movement.”

*Incumbent Director, nominated to fi ll a three-year term

Home Buying Seminar

HBAGK Parade of Homes Tap Into Your Home’s Equity

At ORNL Federal Credit Union, we’re always looking for ways to help you save more of your hard-earned

money! Through our partnership with Love My Credit

Union Rewards, we are able to offer exclusive discounts

and benefi ts at companies such as GM, Sprint, and Turbo

Tax. As a member of the credit union family, you can fi nd out

more about the exclusive discounts and benefi ts available to you

by visiting lovemycreditunion.org today!

O RNL Federal Credit Union is committed to

supporting the home buying and building

industry, and through our partnership with the

Homebuilder’s Association of Greater Knoxville

(HBAGK), we are excited to sponsor the 2014

Multiple-Site Parade of Homes. The event takes

place over three weekends between the hours

of 12pm and 5pm: October 3rd–5th; October

10th–12th; and October 17th–19th.

The 2014 Multiple-Site Parade of Homes

is a tour of over 40 new homes in Knox,

Anderson, Blount, Loudon, and Union counties.

With homes in a variety of locations and

price ranges, the Parade is the perfect source

for anyone planning to buy a new home

or for seeing the newest trends in the

homebuilding industry.

The Parade of Homes is free

and open to the public. Parade

maps and homes are included in

the Parade of Homes magazine

available at all ORNL FCU

branches. For additional information, visit

www.theparadeofhomesknoxville.com. The Parade of Homes also has a mobile

app available for both iPhone and Android.

The My Home Found app lists all the houses

and their addresses, along with specifi c details

about each home, such as square footage,

selling price, and number of bedrooms/

bathrooms. This handy app even lets you mark

your favorites and offers a buyer’s guide for

local retailers.

O RNL Federal Credit Union is excited to

announce an updated Home Equity Line

of Credit (HELOC) product for homeowners!

Homeowners will fi nd many benefi ts to the

enhanced HELOC product, including great rates

and terms, plus easier access to funds.

With home equity on the rise, there’s no

better time than now to make your money work

for you. Whether you need fi nancing for home

improvement projects, school expenses, debt

consolidation, or even a much needed vacation,

ORNL FCU wants to deliver solutions for your

needs. For more information on the ORNL

FCU HELOC product, call 800.676.5328 or

865.560.7477.

*All information current as of 9/24/14. A home equity line of credit is secured by a fi rst or second mortgage lien on a

primary residence. Monthly payments calculated on accessed funds. Consult your tax advisor for any potential tax

benefi ts. Actual loan terms may vary based on credit rating and collateral value. Restrictions may apply. Programs, rates,

terms, and conditions are subject to change without notice. NMLS#471708.

HELOC Features:*• Loan amounts up to $250,000!

• Great rates!

• Flexible payment options during

draw period!

• Terms to fi t your needs!

• Potential tax benefi ts!

• Multiple ways to access funds!

I f you’re in the market for a new home, make plans to join

us for our Home Buyer’s Seminar on Thursday, October

23rd from 6:00 to 7:30 p.m. at our Lenoir City Branch,

located at 895 Highway 321 North. Seminar attendees

will hear from mortgage professionals on topics such as

budgeting, mortgage loan product options, working with a

realtor, and what to expect during the loan process.

The Home Buying Seminar is free and open to the public,

but space is limited. To reserve your seat or for more information, please visit ornlfcu.com/rsvp or call Jason Denton at 865.813.2389.

LOVE MYCREDIT UNIONREWARDS

Christmas Club Payout

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

Anderson CountyClinton1117 N. Charles Seivers Blvd.

Clinton Food City507 S. Charles Seivers Blvd.

Oak Ridge Main Offi ce221 S. Rutgers Avenue

Oak Ridge Walmart373 S. Illinois Avenue

Knox CountyBearden5505 Kingston Pike

East Knoxville3634 East Magnolia

Farragut11405 Municipal Center Drive

Farragut Kroger189 Brooklawn Street

Fountain City5208 N. Broadway

Karns7228 Oak Ridge Highway

Halls4510 Emory Road

Middlebrook Food City9565 Middlebrook Pike

Millertown Pike5409 Millertown Pike

Morrell Road Food City284 Morrell Road

North Knoxville808 Victor Drive

Northshore Kroger9501 Northshore Drive

Powell Kroger6702 Clinton Highway

South Knoxville7325 Chapman Highway

West Knoxville8721 Kingston Pike

Roane CountyKingston1204 N. Kentucky Street

Oak Ridge National LabP.O. Box 365

Rockwood Walmart1102 N. Gateway Avenue

Loudon CountyLenoir City895 Highway 321 North

Lenoir City Food City1900 Highway 321

Loudon2859 Highway 72

Campbell CountyLaFollette 2229 Jacksboro Pike

Blount CountyAlcoa103 Hamilton Crossing Drive

Maryville Walmart2410 U.S. Hwy. 411 South

Monroe CountyMadisonville4201 Hwy. 411

Hamblen CountyMorristown1730 W. Andrew Johnson Hwy.

Sevier CountySevierville699 Parkway #5

Union CountyMaynardville Food CityUnion Square Shopping Center, Hwy. 33

Loca

tions

DirectorsMarcy Catron, Chair

Randy Gorman, Vice Chair

Jama Hill, Treasurer

Wanda McCrosky, Secretary

Leigha Edwards

Harvey Gray

Sam McKenzie

James Payne

Debbie Stairs

Supervisory CommitteeDavid Watkins, Chair

Joel Pearman, Vice Chair

Gerald Smith, Secretary

Mary Beth Blair

Mary Kiser

PresidentChris Johnson

Offi

cials

UPDATE is published quarterly by ORNL Federal Credit Union as

an information service to its members.

Questions, comments, and suggestions should be sent to:

ORNL Federal Credit Union UPDATE,

P.O. Box 365, Oak Ridge, TN 37831.

Telephone: 865.688.9555*

Or Toll-Free: 800.676.5328*All locations except Madisonville,

Morristown, and LaFollette

Online Bankinghttps://www.ornlfcu.com

TuesdayNovember 11

Veterans Day All offi ces closed

ThursdayNovember 27

Thanksgiving Day All offi ces closed

WednesdayDecember 24

Christmas Eve All offi ces closed

ThursdayDecember 25

Christmas All offi ces closed

ThursdayJanuary 1

New Year’s Day All offi ces closed

SaturdayNovember 8

Shred Day9am–12pm

Bearden Branch • (5505 Kingston Pike) North Knoxville Branch • (808 Victor Drive)

Just in time for holiday gift shopping, members who have been making regular deposits into their ORNL Federal Credit

Union Christmas Club account throughout the year will see the payout transfer on October 31st! Funds will be

deposited into the share designated upon opening of the club account. Any and all funds in a Christmas Club

Account will be transferred and deposits made after October 31st will go towards next year’s payout. If you have

questions about the Christmas Club account or payout, please visit any branch or call 800.676.5328.

ORNL Federal Credit Union wishes all members a happy and healthy holiday season.

Each year, ORNL Federal Credit Union, through the University of Tennessee

general scholarship fund, awards a $1,000 scholarship to a deserving

student/member with excellence in education and social merit. The B.A.

Candler Scholarship was established in 1993 to honor Bob A. Candler, who

retired as the Credit Union’s president after 31 years of service.

The scholarship endowment was able to award two $1,000

scholarships to the University of Tennessee for the 2014–2015 school year.

Congratulations to Catherine Arwood and Montana Zwakenberg for being

recipients of the scholarship awards. Catherine is a senior at the University

of Tennessee within the College of Social Work. Montana graduated from

Sevier County High School in May of 2013 and plans to study Wildlife and

Fisheries Management and also Forestry.

The students were selected by the UT General Scholarship Committee

and will be attending the University of Tennessee in the fall, where they may

use their scholarship award towards books, tuition, or any other school-related

expense. The next application deadline is March 1, 2015.

B.A. Candler Scholarship Winners

Upcoming Events & Holidays

October3–5

HBAGK Parade of Homes

See page 3 for details

October10–12

HBAGK Parade of Homes


MondayOctober 13

Columbus Day All offi ces closed

October17–19

HBAGK Parade of Home


ThursdayOctober 23

Home Buyer’s SeminarLenoir City Branch(865 Highway 321 North)


ornl fcu update vol. 49, no. 4

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