IN THIS ISSUE » Fox In the Community » New Main Street Green Bay Location » Website & Online Banking Updates » Dream Vacation » Saving for the Holiday’s » Credit Score Breakdown

SnapShots

At Fox, we aren’t just a �nancial,we’re also in your neighborhood.We’re friends ... and we’re family.Here’s a snapshot of some of the community activities we are proud to be a part of!

On September 27, over 50 Fox employees

spent their afternoon volunteering at

Appleton’s Octoberfest. All Octoberfest

pro�ts are used to support community

charities, projects and events through the

Octoberfest grant fund.

Fox In The Community

On August 21, Fox Communities

sponsored Future Neenah’s Out to

Lunch Concert Series with children’s

entertainer, Cookee.

Visit www.foxcu.orgfor a list of upcoming events and collections

that we sponsor.

Nancy Heykes, VP of

Development for Goodwill

Industries of North Central

Wisconsin states, “Fox has

donated active leadership,

sparking collaboration

with other credit unions

and businesses to raise

Thank you to everyone who donated to

‘Stock the Shelves’ 2014. All of the proceeds

will bene�t 48 local food pantries and

programs that serve thousands of people

struggling to meet the most basic of needs.

funds and engage employees. Fox deepens

relationships with area nonpro�ts and issues,

driving beyond immediate needs to work on

root causes.” Goodwill nominated Fox

Communities Credit Union for the Outstanding

Corporation Award. Although Fox did not win

the award, we are humbled by the nomination.

www.foxcu.org Winter 2014 • Fox Facts | 2

Our location at 1313 Main Street in Green Bay will be moving to1820 Main Street (corner of Main Street & Lime Kiln Road) in Spring 2015!

By the Numbers

Convenient Green Bay Locations

Facts and �gures that tell the story of Fox’s newest location

Watch our Facebook page for updates on our new Main Street location.

Opening Spring 2015

Drive up lanesHour Drive

Up ATM

On November 10, key members from Fox, Smet Construction, Gries Architectural, Green Bay Mayor Jim Schmitt andChamber Members broke ground. Main Street • Green Bay

from the existing Main Street branch to the new location

Sta� memberswill relocate from

Parking spacesfor addedconvenience

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Check Out Our New Website!

Our new look features a responsive website design which allows for a better user experience as

the website responds to the user’s behavior and environment based on screen size, platform and

orientation. As the user switches from their desktop/laptop to tablet or mobile phone, the website

automatically switches to accommodate for resolution, image size and scripting abilities.

Learn more about these updates at www.foxcu.org

Instead of using your account number as your login to Online & Mobile Banking, update today

to a personalized username. This will allow you to keep your account number private, thus, making

your account more secure. This security bene�t is available today, but will become required

early 2015!

Secure Your Online Banking AccountWith A Personalized Username

Login to Online Banking to get started!

Our secure online banking

login changed to a direct

homepage login. To login, click

the orange box titled ‘Secure

Online Banking’. A new box will

immediately appear directly

on our homepage for you to input your online

banking account login username. Once you login

with your username, you will be directed to the

next page and asked to enter your password and

answer your security question.

1. Login to Online Banking as you normally would.

2. Click on ‘Info Center’ on the main menu bar. 3. Under ‘My Preferences’, click on ‘Username’. 4. Type your new username using the helpful hints on screen to guide you.

5. When �nished, click the ‘Change My Username’ button to save it. If the username was successfully changed, you will see the following message at the top of the page “Your username has been successfully changed.”

6. Upon your next login you’ll use your new username and not your account number.

on our homepage for you to input your online

banking account login username. Once you login

with your username, you will be directed to the

next page and asked to enter your password and

answer your security question.

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www.foxcu.org Winter 2014 • Fox Facts | 5

Take a family vacation they said. It will be fun they said. AND IT WAS!!!!!!!

Fox team member, Kristin, her husband, son and in-laws recently traveled from Wisconsin to Florida together in a mini-van to embark on the iconic family vacation to Disney…and as any avid Nascar fan would do, they even took a stop in Daytona.

Why are we telling you this? Two reasons. First, because Kristin is a Fox Communities Credit Union team member and employees usually know the best kept secrets in the business, right?

of us may not think of in our everyday lives. Maybe this story will inspire you to do something similar!

Years ago, Kristin knew they would want to take this vacation so she started saving up by using Automatic Funds Transfers. As soon as her paycheck arrived via Direct Deposit in her account at Fox, Kristin set a certain amount of money to be automatically transferred to her savings for this trip. She called these her Florida Funds using our account nickname feature.

Kristin also has a Fox VISA Rewards Credit Card. For every $1 Kristin spends on her Fox VISA Rewards Credit Card, she earns 1 point. Kristin had quite the bank of points to redeem as she uses her card for EVERYTHING. What did she use those points on? She paid for ALL HOTEL expenses to and from Florida and their stay in Daytona. Her in-laws also use our Rewards Credit Card and paid for their Daytona hotel expenses with their rewards points.

All these reasons sure helped to make their vacation a memorable one. Kristin is now on to planning how she’ll use her next bank of saved points.

What goal will you achieve using Fox Communities Credit Union products or services? Take a vacation, buy a home, get a new ride, pay down debt...Stop in to any Fox location and let us help you make your dreams a reality!

“It worked out pretty great”

said Kristin. “I just used my

Fox credit card to pay for

gas, groceries, and any other

expenses I could and we had

more than enough points to

book an ocean front room in

Daytona Beach, FL.”

~Kristin,

Fox Team Member

Ways to SaveIt may be too late for this year, but start now and you’ll be set for next year!

With a Rewards Credit Card from Fox, you can earn points with everypurchase and redeem those points for holiday gifts! There are gifts for everyone! ScoreCard has a robust catalog of over 1,600 items

including name-brands like Apple, Dyson, and Sony. With as little as 700 points, you can start redeeming today! A Fox employee, Cathy, has been using her points on holiday gifts for years! Kitchen gadgets for her daughter, a backpack for her middle son, iPod speakers for her youngest son, and even a watch for herself!

Apply today!www.foxcu.org/credit-cards

Do you always toss your extra

change in a jar? How would

you like to virtually toss coins

in a jar when you use your

debit card for purchases? Fox

Debit Cardholders can sign

up for SaveUp!, our optional

savings program that rounds

up transactions to the next

dollar and puts that money

into a separate account for

you. Almost 400 of our

members have enrolled and

each have saved an average

of $77!

Ask us to set up your

account today! Join our over 2,600

members who bene�t

from having a separate

savings account just for holiday spending!

On average, our members with a Christmas

Club Account have saved $805 for holiday

spending. You can add money to this

account all year long with automatic deposits

or any time you have extra cash. This holiday

spending money is made available to you on

October 1st!

Make the holiday’s easier on your wallet by using these tools to help you

save all year long!

for the HolidaysIt may be too late for this year, but start now and you’ll be set for next year!It may be too late for this year, but start now and you’ll be set for next year!It may be too late for this year, but start now and you’ll be set for next year!It may be too late for this year, but start now and you’ll be set for next year!

www.foxcu.org Winter 2014 • Fox Facts | 6

A CREDIT SCOREis a number used by �nancial institutions and credit card companies todetermine your risk-level when issuing a loan or a credit card.

STAY ON TRACKYou are entitled to one free credit report per year from each of the major credit bureaus.

annualcreditreport.com

Space out your credit report requests so that you can check on your credit throughout the year.

Curious about your score? You can get a free estimate through Credit Karma (but know that it’s not your actual credit score - it’ll be close but not exact).

Need access to the real deal? Credit bureaus usually charge a fee ($15 to $25).

HOW IS A CREDIT SCORECALCULATED?

PAYMENTHISTORY

35%

CAPACITY30%

MIX OF CREDIT10%

NEW CREDIT10%

LENGTH OF CREDIT

15%

WHAT DOES MY SCORE MEAN?

<550 550 - 720 720+A low score means you could be denied a loan or credit card. You have the most to gain, so show your score some love!

You may not get turned down for a loan, but you will likely be charged a higher interest rate. Figure out what’skeeping you from aprime score.

This is where you want your credit score to beto get the best accessto and interest rateson loans.

350 800

PAYMENT HISTORY Making payments on time boosts your score.

CAPACITY The less you use your total available credit each month, the better.

LENGTH OF CREDIT A longer history of good credit habits raises your score.

NEW CREDIT Opening lots of new credit cards in a short amount of time can hurt this part of your score.

MIX OF CREDITA mix of revolving credit (credit cards) and installment loans (mortgages; car loans) boosts your score.

Credit Squirrel

Watch the Credit Squirrel explain • vimeo.com/foxcu

Credit scores can vary by �nancial institutions

It’s a Money Thing is a registered trademark of Currency Marketing

www.foxcu.org Winter 2014 • Fox Facts | 7

Fox Communities Credit Union

3401 E. Calumet StreetAppleton, WI 54915

Find Us: facebook.com/foxcuFollow Us: twitter.com/foxcuWatch Us: vimeo.com/foxcuCall Us: Appleton (920) 993-9000Green Bay (920) 490-2900Black Creek (920) 984-4200Clintonville (715) 823-2191New London (920) 982-9420Oshkosh (920) 233-2890

www.foxcu.org

Federally insured by NCUA. Equal Housing Opportunity.

Our Mission

We at Fox Communities Credit Union have a commitment to enrich the quality of life for

services.

The Credit Union is dedicated to the protection

operate in an economically sound manner.

The Credit Union will provide an atmosphere of professionalism, friendliness, and mutual trust.

We shall remain strong in the communities through our support and involvement.

3401 E. Calumet StreetAppleton, WI 54915

Business MembersSince 2002