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Connections - Fall 2012

 

Lock In Your Best Rate
Share Secured Loans Offer Valuable Savings

Melrose Credit Union has an affordable alternative to high interest rate loans at other financial institutions.

Our Share Secured Loans are simply Personal Loans that are secured against your Share Savings or Certificate Account. When you apply for a Share Secured Loan, you’ll get an even better rate, since your loan is backed by a savings account as collateral. Plus, you’ll receive faster approval!

At Melrose, our goal is always to save you money. When you need extra cash, a Share Secured Loan can be your best option. Ask us for all the details.

Your Loan Can Be Used For:

  • Higher Education Costs
  • Home Repairs
  • Vehicle Costs
  • Travel Plans
  • Holiday Expenses
  • And More!

Apply Today

Visit www.melrosecu.org to apply online, or stop by the credit union at your convenience. You can also call (718) 658-9800 to learn more.

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See How Much You Can Save

Look To Melrose Credit Union For An EZMortgage

Good news, house hunters – the buyers’ market is still going strong! With housing prices low and Mortgage rates on the lowest end of the scale, there has never been a better time to upgrade to a bigger home, downsize to a smaller residence or to refinance your current Mortgage. You could save thousands on your home loan!

Look To Melrose Credit Union For An EZMortgage

At Melrose Credit Union, you’ll love our competitive mortgage rates, low closing costs and flexible mortgage options. We also offer:

  • Fixed-Rate Mortgage Programs
  • A Variety Of Adjustable-Rate Mortgage Options
  • Affordable Loan Terms
  • And Expert Guidance From Our Professional Real Estate Lending Team
  • And More!

Apply Now!

It’s easy! You can apply for a Melrose Credit Union mortgage today by calling our Real Estate Department at (718) 658-9800, option 3 and asking for an application. Or, apply online at www.melrosecu.org and click on the mortgage link to reach our EZMortgage Center. We’re happy to answer all of your
questions, too.

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Already A Homeowner?

Make home renovations and changes with our low interest rate Home Equity Line of Credit!

Here are just a few home remodeling ideas you may want to get started on with help from Melrose:

  • Adding A Bathroom
  • Upgrading The Kitchen
  • Repainting The Interior
  • Updating The Exterior Siding, Brick Or Other Material
  • Finishing The Basement
  • Purchasing New Appliances
  • And More!

Don’t Forget: Refinancing Also Available

You can use your Home Equity Line of Credit to refinance a higher interest rate loan from another financial institution. Choosing Melrose for your loan is the “E-Z” way to save!

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Melrose Place
Making Melrose CU A Better Place

We invite all members to send us your service experiences at Melrose Credit Union.

Mr. Kaufman:

Just a brief note to, once again, commend your Member Service Representative Ms. Debbie Flamos for her consistent efficiency, attentiveness and professionalism.

It’s rare that I need to avail myself of the Member Services team, but when I have had to do so, Ms. Flamos has invariably imparted to me a sense that Melrose members and their business is indeed a priority to her.

I certainly hope Melrose recognizes what a skilled, and indeed valuable, asset that it has in the form of Ms. Flamos. If only we could figure out a way to clone her! Joking aside, please do extend my sincerest appreciation to Ms. Flamos for the unparalleled and excellent service she consistently provides.

Thank you for your time.
S.N.

Please note that letters may be edited or summarized.

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Holiday Closings & Important Dates

Columbus Day
Saturday, October 6, 2012
Monday, October 8, 2012

Veterans’ Day
Monday, November 12, 2012

Thanksgiving
Thursday, November 22, 2012

Christmas
Saturday, December 22, 2012
Monday, December 24, 2012 - Close at 2 p.m.
Tuesday, December 25, 2012

New Year’s Day
Saturday, December 29, 2012
Tuesday, January 1, 2013

Martin Luther King Jr. Day
Monday, January 21, 2013

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Join The Melrose/MBS Team And Help Create A World With No Breast Cancer And
More BIRTHDAYS!

Once again, Melrose Credit Union has committed to a Flagship Sponsorship of the American Cancer Society’s Making Strides Against Breast Cancer. As anyone who has participated in the past can tell you, this is a powerful and inspiring event that honors those who have battled breast cancer, spreads the word about what we can do to prevent breast cancer, and raises money to find cures and support programs and services for those facing the disease.

Making Strides Against Breast Cancer will take place on Sunday, October 21, 2012 at Flushing Meadows Corona Park. Why should you walk? Well, for one thing, there are 2.5 million breast cancer survivors who celebrated another birthday last year because people like you signed up to walk or donate to
Making Strides.

We’ll be selling Melrose/MBS tote bags, Making Strides bracelets, building a Wall of Hope in the Credit Union’s lobby with the names of all our supporters and raising money with our very first Melrose/MBS Bake Sale. Any other ideas of how we can save lives and create more birthdays are welcome!

To join our team or to make a donation, please click here. Through the Making Strides website you will be able to send emails to friends and family asking them to join you on October 21, or to support you by making a donation. It’s easy to do. Just ask if you need help.

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Storms Are The New Norm Be Sure Your Assests Are Protected!

According to CNN, the National Oceanic and Atmospheric Administration (NOAA) has revised its predictions for this year’s Atlantic hurricane season.

The agency now predicts between 12 and 17 named storms from the period that started on June 1 and will end on November 30. NOAA’s original May prediction was between nine and 15 named storms. -CNN

As the lead hurricane season forecaster at the NOAA’s Climate Prediction Center has noted, the likelihood of an above-normal hurricane season has risen 35%. There is now a 50/50 chance of a “near-normal” season, according to this forecaster, whose name is Gerry Bell.

The NOAA estimates that anywhere from five to eight of these named storms will in fact turn into hurricanes, with two or three of those that do become hurricanes advancing into “major” storms. A major storm is one that reaches a Category 3 storm or greater. Category 3 storms are those with winds of at least 111 mph.

"People should be ready now," Furgione admitted.

“We are increasing the likelihood of an above-normal season because storm-conducive wind patterns and warmerthan- normal sea surface temperatures are now in place in the Atlantic,” said Bell. “These conditions are linked to the ongoing high activity era for Atlantic hurricanes that began in 1995. Also, strong early-season activity is generally indicative of a more active season.”

The 2012 Hurricane Season Is In Full Swing!

So far, the 2012 hurricane season has thirteen named storms: Alberto, Beryl, Chris, Debbie, Ernesto, Florence, Gordon, Helene, Isaac, Joyce, Kirk, Leslie and Michael. Of these 13 storms, Chris, Ernesto, Issac and Michael became hurricanes.

For the first time since 1908, three named storms formed before the start of hurricane season on June 1. While according to Bell, additional weather factors indicate that this will not be an above-average storm season, Laura Furgione, acting director of NOAA’s National Weather Service, has said that it is best to be prepared for the worst.

Hurricane season is here – do you have the insurance you need to protect your home and your family? The MBS Financial Planning Seminar Series can help you answer all your insurance questions and help you be sure your home is protected to the fullest in the event of an emergency.

The MBS Financial Planning Seminar Series can also provide you with a better understanding of the Do’s and Don’ts of estate planning; what makes sense and what doesn’t. Learn from experts in financial planning, insurance and estate law what your best course of action is in order to make sure your financial interests are best protected.

Free Seminar, Free Gifts And Free Refreshments

Find out how to protect your hard-earned assets. Attending these seminars is one of the most important steps you can take to safeguard your life savings and your valuable investments.

Seating Is Limited, Call Today!

Call Member Brokerage Service LLC, the Melrose Credit Union service organization, to make your reservations. Simply dial (718) 523-1300 and press 0 for the receptionist. But don’t delay – seating is limited!

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Missing Some Money?
How To Claim Your Property

If your name appears on the list below, you have unclaimed property at Melrose Credit Union. Please contact us as soon as possible.

Owners of unclaimed property are required to activate their accounts by sending us a written acknowledgement or by making a deposit or withdrawal. If you have questions or need additional information, please contact Melrose Credit Union at (718) 658-9800.

Money or property is typically listed as “abandoned” when the rightful owner moves and forgets to close an account or leaves no forwarding address. If there is no activity on the account for three years or longer, the money is considered unclaimed and is turned over to the state.

Acluche Pressoir
Adler Lorraine
Adrien Jean
Agyekum Kofi
Ahmed Chaudhry
Alcide Myrcile
Alex Kris
Altinel Semsettin
Alwan Hamid
Angus Michal
Anjum Ghulam
Anjum Sohail
Areh Magdalene
Arroyo Maria
Arvanitakis George
Ashraf Nadeem
Athman Amina
Ausbon Lenora
Ayika Ekoue
Babb Lamont
Bah Alpha
Baig Irfan
Bains Balwinder
Bains Bhajan
Baker Abdel
Baksh Farook
Balducci Donald
Bangiyeva Asya
Banipal Bhur
Barahona Cesar
Barash Roselin
Barua Shovan
Bassen Todd
Beauvais-Philitas Marie
Beckford John
Beddoe Jannie
Behal Rajesh
Bhatti Chaudary
Bhatti Thomas
Bhuiyan Washim
Bhuiyan Mohammed
Bodden Louise
Bolano Rodolfo
Bolioli Alvaro
Bonderefsky Annabelle
Borochov Peter
Boxer Dennis
Brathwaite Debra
Breitel Vern
Breitel Corinna
Breshin Adam
Bretan Eric
Broman Robert
Brown Fred
Brown Raffaello
Burleson Patricia
Buskirk Edwin
Buxbaum Steven
Caban Luis
Calderone Christopher
Caner Nicolas
Casimir Genet
Castillo Erick
Castillo Jose Noe
Cecconi Louis
Chang Annie
Chen Lin
Cherilus Emmanuel
Chodes Jill
Choi Anna-Marie
Choudhary Faisal
Christiani Danielle
Chronas Christos
Cintron Jennie
Clozeus Crescent
Cohen Joshua
Cohen Scott
Cohen-Broudy Debra
Corrado Vincent
Cotin Emmanuel
Couamin Rose
Cowie Virginia
Cowie Robert
Dann David
Darcy Debra
Davilus Vercanne
De Basantes Alexandra
Dery Robert
Deslances Joseph
Desrosiers Karl
Devarajan Srinivasan
Devine Matthew
Devito Jeffrey
Dhaliwal Daljit
Dobrila Cristache
Dolcine Charles
Domanico Angela
Dorce Dieucius
Dorvilus Jean Jackson
Drapkin Ruslan
Dressler Fay
Dunton Harry
Elie Marie
Elsaid Tarek
Erickson Jollyn Dee
Espinal Francisco
Espinal Rodolfo
Farooqi Izhar
Faruque Hasan
Fermin Norma
Fernandez Claudia
Fidan Kenan
Filippi Nicholas
Finkelstein Eugene
Fishman Andrew
Fishman Elliot
Fishman Randi
Fordjour Frank
Fouda Esmat
Fowler Arnita
Francis Antoine
Fraumeni Vincent
Freestone Randi
Friedman Linda
Friedman Edward
Frimpong Harold
Gaier Michael
Galan Ricardo
Galea Carmel
Gantier Patrick
Garcia Raul
Garcia German
Garzon Edison
Gautreaux Clodomiro
Gazaferi Abip Bejet
Georgatos Konstantinos
Geouza Mohammad
Gertler Esther
Getz Sharona
Ghafoor Abdul
Ghotra Bishan
Gill Bara
Gill Surinderpal
Glaude Elie
Goldberg Catherine
Goldberg Noah
Goldberg Zoe
Goldstein Sandra
Goldstein Jonathan
Gomez Myriam
Gonzales Elida
Gonzalez Iraida
Goodman Jay
Gorelik Oksana
Grisales Carlos
Guenzburger Joellen
Gupta Nidhi
Gupta Anita
Haftel-Gilbert Rachel
Haughton Joan
Hauptman Melvin
Hauptman David
Hecht Florence
Hecht Ivan
Henry Eluin
Henry Jennie
Herrera Victor
Holman Tamela
Hossain Md
Hussain Afzaal
Hwang Myung
Iankelevich Mario
Illfelder Herbert Max
Ionita Petre
Iparraguirre Liz
Israel Salomon
Jackson Gabriel
Jackson Gregg
Jackson Allyson
Jaikaran Renee
Jangjoo Delavar
Jinks Michael
John Julian
John N. Joseph
Johnson Fred
Jordan Steven
Joseph Santaine
Joseph Francois
Joseph Leonard
Jouve Natalie
Junaid Abdul
Juste Max
Kagone Amadou
Kakuriyev Ilya
Kamagate Bafemo
Kaminoff Esther
Karuvannur Shyamala
Kasdon Robert
Kaufman Jeff
Kaur Kuldip
Kaur Jaswinder
Kaye Howard
Keller Danielle
Kerr Joseph
Kesic Ivica
Khakh Mangal
Khalil Atef
Khan Mohammed
Khan Alam
Khan Hasnat
Khawaja Hafeez
Khawaja Naeemullah
Khokhar Abdul
Khosla Rajiv
Kim Joseph
King Jean
Kingston Robert
Klein Jeffrey
Kleyman Vladimir
Klotz Adam
Klusky Ellen
Kneitel Marianne
Kofi Owusu-Mainoo
Kontonicolas Minas
Krauss Hyman
Krumholz-Booth Jody
Kunin-Savinon Loretta
Kvachuk Marat
Lafontant Jean
Lang Deborah
Lapadula Donna
Lapinski Paige
Lash April
Latif Qazi
Laurence Oriana
Laventure Alliantin
Lazenby Tina

Le Pino Mark
Lefort Jillian
Leslie D Freirich Family Trust
Levenson David
Leventant Steven
Levine William
Levy Vivian
Levy-Laird Stefanie
Lipan Michael
Lopez Aleticia
Lotman Robert
Louissaint Eddy
Ludwig David
Lugo Matthew
Luthra Rajkumar
Luzzi Claudio
Mackasek Robert
Maclaujul LLC
Majeed Asad
Mallen Samuel
Malsky Steven
Mamadou Soumahoro
Manigault Thomas
Manjo Jowo
Mann Ebony
Mansylla Wayne
Masood Faisar
Matityahu Dorit
Mcgee Richard
Mcwilliams Earl
Mecca Joseph
Medina Lisnett
Mertulien Marc
Milien Pierre
Min Kina
Mistriel Miriam
Mitchell Vanessa
Mizan Amdadul
Morel Leonardo
Morinvil Clerveaux
Morris Trastman Living Trust
Morrow Beth
Morse Peter
Moss Linda
Moussavian Madjid
Muriel N Strauss Living Trust
Musheyev Neriya
Nagaeva Emmilia
Napolitano Frances
Nesevich Roman
Newman Lynn
Nicholson John
Ojalvo David
Okyere-Darko Donald
Olea Mario
Olshanetsky Osip
Opabola Jimoh
Ordonez Claudio
Orlick Howard
Pal Jas
Palmer Kevin
Palmer Althea
Papamichael John
Parafestas John
Park Ki Hyun
Parveen Niaz
Paternite Amy
Pattison-Martin Patricia
Paul Sadoc
Pena Rafael
Pereyra Carlos
Perez Ricardo
Persaud Parmanand
Petrone Lucy
Philippakos Stavroula
Phillips Brandon
Pierre Joseph
Pierre Louis
Pierre Rodney
Porchetta Joseph
Price Marvin
Proseus William
Prosper Jean
Pulido Erick
Quijije Marcos
Quijije Myrian
Qusem Abul
Rabinowitz Selma
Rabinowitz Joy
Ramirez Sandra
Rangila Sunil
Rashid Haroon
Rasoul Abdul Walid
Reed Wallace
Reitman Ruth
Revenue Cab Corp
Reyhanoglu Haldun
Richman Brian
Ridore Henry
Riley Michael
Rinchere Claude
Ringel Rachel
Rivers Marvin
Rodas Marta
Rodriguez William
Rosen Kenneth
Rosen Wendi
Rosenberg Ida
Rosenberg Robert
Rosenthal Denise
Ruffman Ruth
Ruffo Rudolph
Ruiz Rene
Rupnow-Bittner Wendy
Sageata Mircea
Samaroo Rajlal
Sampedro Fanny
Sanchez Gerson
Sancho Claris
Sandhu Jaspal
Saroya Kulvinder
Saturne Nelida
Schaffer Shalva
Seidenberg Ronnie
Selman Lana
Seya Calvin
Shah Mirwias
Shaikh Wazir
Shark Yolanda
Shaw Kennecia
Sheldon Strauss Living Trust
Sherer Meryl
Shergill Major
Shiroma Halfred
Shubert Carl
Siddiqui Mohammad
Siev Joseph
Simionides Theone
Sinchegarcia Xavier
Sinclair Benjamin
Singh Lakhvinder
Singh Baldev
Singh Sukhdev
Singh Charan
Singh Sucha
Singh Kuldip
Singh Jaspal
Singh Gurmeet
Singh Palwinder
Singh Surjit
Singh Gurpal
Singh Surinder
Singh Bahadur
Singh Sukhdev
Singh Sohan
Singh Khris
Singh Ujjagar
Singh Daljit
Singh Harpreet
Singh Devinder
Singh Gurwinder
Singh Sardar Harinder
Singh Balwinder
Singh Manpreet
Singh Ramanjeet
Singh Hardev
Singh Jaspal
Singh Balwant
Singh Avtar
Sklar Rebecca
Slinin Dora
Smith Arlene
Smith Trevor
Solomon Solomon
Spellman Steven
Spencer-Rose Doreen
St Felix Yves
St Felix Michel
Subrahmanyam, Joy
Subran David
Sulcaj Ilir
Sullivan Anton
Tahir Shaila
Thakur Harish
The Friedman Living Trust
Thompson Annie
Thompson Onel
Tighe Charlotte
Tingle Chavon
Tiwari Sunita
Tomko Steve
Toor Baldev
Tornyenyor Bernard
Torres Klever
Townsley Linette
Trim Onicka
Trosterman Mitchell
Tsimberg Vladimir
Tubin Adam
Valley Stream Stores LLC
Vance Anne
Vasquez Kim-Marie
Vaughan Lesley
Vayntrub Vadim
Venturina Wannee
Virk Amandeep
Volat Eric
Voll Benjamin
Vosk Richard
Waite Wallace
Wan David
Wanounou Deborah
Washington Oral
Wazeri Abdul Habib
Webster Anthea
Wedderburn Andre
Weinstein Deborah
Weiss Ellen
White Keith
Williams Amina
Williams-Coard, David
Wilson Andre
Witzemann Valentine
Yalung-Maniti, Whilma
Yarberry Milton
Yauri Marcos Jose
Yeboah Patricia
Young Benjamin
Zahn Brian
Zahn Abby
Zannetti Samantha
Zergani Rasoul
Zhou En Bo
Zohny Badreddin

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Life Can Be Hectic –
Managing Your Money Shouldn't Be!

Give Our Convenience Services A Try

As a member of Melrose Credit Union, you can access your money from anywhere in the world! EZMoneyOnline is our secure virtual branch, open 24/7 and available to you anywhere – on vacation, at home, in the office or anywhere at all. Log on to EZMoneyOnline at www.melrosecu.org from your computer or smartphone and check balances, transfer funds and more.

Even greater convenience starts with our E-Z Checking Account. Why should you choose Melrose Checking? There are many reasons!

  • No High Checking Fees Or Service Charges
  • Easy Access Online Or Via InfoLine Service
  • Earn Dividends On Average Daily Balances Of $500 Or More
  • Convenient ATM Or Debit Card Access
  • Learn More At www.melrosecu.org

Additional Convenience Services

Once you have E-Z Checking, you can enjoy the following: InfoLine – Perform transactions from the comfort of your home, car or office. All transactions are verified and confirmed instantly, so your balances will always be current. Once you activate your free InfoLine account, service begins immediately.

(718) 526-3888 in New York & (888) 635-2733 outside New York

ATM Card – Withdraw money, verify balances and make account transfers.

VISA® Debit Card – You’ll enjoy the cash-back convenience of an ATM Card, with the purchasing power and worldwide access of a VISA card.

E-Z Bill Pay – Set up a convenient payment schedule, then relax knowing your bills are paid on time, every time.

Direct Deposit – This is the easiest, fastest and safest way to deposit your pay, Social Security or pension check into your Share Draft/ Checking Account or Share Savings Account.

 

Start Saving Time Today!

Call (718) 658-9800, visit www.melrosecu.org or stop by and visit the Melrose Financial Center to get started.

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Away From Home?
Try Shared Branching!

You can access your Melrose Credit Union accounts even when you aren’t near a Melrose branch by visiting one of the free Shared Branches.

At any Shared Branch, you can perform all of the following activities at no charge:

  • Make Deposits
  • Withdraw Money
  • Transfer Funds
  • Make Loan Payments
  • And More!

Plus, there are over 5,500 Shared Branch ATMs at 7-Elevens nationwide! Please note: all services may not be available at all ATMs in the network, but Shared Branch locations will be able to perform all the services listed above.

Give It A Try

To find a Shared Branch in your area, use the ATM/Shared Branch locator on our home page: www.melrosecu.org.

        

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The Smart Solution For Your Student

A recent article in the New York Post found that in a class at the Borough of Manhattan Community College, a whopping 70% of those with credit cards had been late in paying a credit card bill and had incurred a late-fee charge.

Help your student manage money better by opening a Melrose Credit Union E-Z Checking Account for him or her. Melrose E-Z Checking offers:

  • FREE Checking
  • SURCHARGE-FREE Access To Over 5,500 ATMs Through The Co-Op Network
  • FREE Access To Their Accounts Through The CU Service Center Network
  • FREE Online Money Management With EZMoneyOnline
  • FREE Account Transfers From Parents To Students (Ask For Details)

To open an account, stop by the credit union or visit www.melrosecu.org to
learn more.

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ATM/Shared Branch