YOURSHARE

O K L A H O M A E M P LOY E E S C R E D I T U N I O N N E W S L E T T E R

WINTER 2010

NEWYEARNEWGOALS
If you’re anything like the rest of us, one of your
New Year’s Resolutions includes spending less or
saving more. Inside this issue of YourShare you
will find many simple tips to help you all year. Fiscal Ch
eckup F
Consolidate your debt.
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Name: w .o ecu.org fo OECU at
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debt? You could be paying too much and could take years to ails.
Phone:
catch up. OECU offers convenient consolidation options that
will lower your monthly payments and shorten the time it takes to Auto Loa
n Inform
Finance C ation
pay it all off. We have options and money to lend!
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Permit No. 2000 P.O. Box 24027 • Oklahoma City, Oklahoma 73124
Oklahoma City, OK
PAID Union Credit
U.S. Postage Employees Oklahoma
Presorted Standard
 MARKMYWORD
OECU President Mark Kelly
The start of a new year is a great time
to stop and review your finances and to
set new goals for this year and beyond.
You’ll find many great tips in this news-
letter to help do just that.
WHAT’SINSIDE
One of my favorite suggestions is
OECU’s eBranch. It’s easy to set up
and easier to use. You can transfer
money from accounts, review cleared
transactions and more.
Once you’ve signed into eBranch, you
can activate ePay. This allows you to pay
your bills online in a secure environ-
ment. It’s the safest way to pay the bills
each month. Plus, you can schedule
payments in advance which takes the
headache out of paying bills.
OECU is committed to personal service.
Let us help you set up your eBranch
account today. Trained staff are answer-
ing the phones from 7 a.m. to 6 p.m.
Monday through Friday and 9 a.m. to
1 p.m. on Saturdays.
The Big Switch pg. 3
Rocky & Dana Carnagey share
why they switched to OECU.
You Got That Where? pg. 4
Oklahoma Correctional Indus-
tries produces quality goods for
state agencies and state employ-
ees.
Save Money - Go Green pg. 5
Get tips on tax refunds for up-
grades to your home.
Annual Meeting pg. 5
Be sure to mark your calendar!
Fiscal Check Up pg. 6
See what OECU can do to help
you save money. Plus, you could
win up to $500.
OECU Board Elections pg. 7
Nominations are approaching.

EMPLOYEESPOTLIGHT
Kalee Dimmick - 2009 Employee of the Year
For anyone who works closely with
Kalee Dimmick, it comes as no
surprise that she was recently named
“Employee of the Year.”
Additionally, when operational
changes take place, Kalee helps make
the process appear as seamless as
possible for staff and members.

As the Training Coordinator for She will do whatever it takes to get a

OECU, Kalee has been instrumental
in the implementation of several
successful programs - each focused
on improving the performance of
each staff member at the credit union.
Kalee works closely with each
employee in a service orientation and
often beyond. While she’s not on the
phone or in the lobby, her work is
evident in the service each employee
provides.
project done.
Kalee says she gets a great sense of
satisfaction knowing she helps the Kalee Dimmick
employees at OECU learn.
“I think OECU has a level of service
She says, “I want to make sure
that our members really appreciate.
everyone is 100% ready to serve our
It makes us stand out above the rest.
members.”
Credit unions are such a great deal,
I don’t know why everyone isn’t a
When asked why she thought our
member!”
members choose to bank at OECU,
Kalee speaks of great service.

2
 THEBIGSWITCH
Making the switch to a new financial institution can be a painstakingly long process for some, but
for the Carnagey family, it was relatively fast and simple to make the move to OECU.

During the start of a new year, many
folks are reassessing their finances.
Rocky and Dana Carnagey, however,
have already made some significant
changes to their financial lives -
simple changes with lasting benefits.
“Amber came up with ways
for us to save money. One
way she helped was by
refinancing our car - some-
thing we didn’t consider at
first.”

Rocky says, “Dana’s been a mem- Dana says, “I feel like if

ber for more than 30 years. Then, I
started looking into it just this past
year...and became a member.”
“We went to the Quail Springs
Branch and worked with Amber Con-
nor,” he says. “We ended up consoli-
dating a few notes which saved us
money on interest and even shaved a
few months off the terms.”
we had gone [to another
financial institution] for as-
sistance, they may have not
taken the same kind of time
with us.” Rocky and Dana Carnagey
Rocky says Amber’s approachability “She’s probably the best Branch
makes it easy on the member. It’s Manager I’ve done business with,”
one of the reasons he made the big he says. “I plan on being a member
switch. a long time.”

MAKINGITEASY
You’re not really happy with your checking account and have thought about making a
change, but it’s too much trouble. We know exactly what you mean.
Meet Amber Conner - the Human
Switch Kit. She makes moving your
account easy. She’ll go through the
checklist with you, fill out the forms
for you, and even follow up.
Enjoy the following features with
whichever account you choose:
• Free Debit Card
• Free ATM Withdrawals at more
than 900 locations across
Oklahoma
• Free Online Account Access
• Free Online Bill Pay (must pay
1 per month)
• Free Online Account Statements
• Free 24-Hour Phone Teller
• And More...
Student Checking
Teen account* with reduced debit
limits, free iTunes and subscription to
Brass Magazine!
Totally Free Checking
Our most popular option, a truly free
account with Overdraft Protection.*
Advantage Checking
An interest bearing account with ex-
panded Overdraft Protection* ($500 Amber Conner
min. balance).
Get started today by visiting us
55+ Checking at www.oecu.org, calling 405-
An interest bearing account with 606-6328 or 877-677-6328, or
expanded Overdraft Protection*, free simply dropping by a branch.
Checks, Money Orders, and Travelers
Checks! *Must meet policy and account conditions.

OECU HAS LOANS AT GREAT RATES & SIMPLE TERMS. CALL OR APPLY ONLINE AT WWW.OECU.ORG TODAY! 3

 YOUGOTTHATWHERE?
Oklahoma government employees are eligible for many
benefits, (including membership to OECU). A benefit you may
not know is available to you is through Oklahoma Correctional
Industries (OCI) – and it involves shopping!
Supplying the state’s license plates, also eligible to purchase items for
along with many other goods such personal use. Visit the showroom floor at OCI.
as office furniture, and state worker
uniforms, OCI has been producing In addition to uniforms and
goods available for purchase by office furniture, OCI produces MOREABOUTOCI
state agencies for many years. What couches, patio furniture and fitness
makes OCI unique, though, is the equipment. But, one of their biggest • All OCI products are available
purpose and workforce behind each sellers (and best deals according to for sale to current or retired
product. Angie) is their charcoal grills and Oklahoma government
smokers. employees, as well as non-profit
OCI employs 1,075 offenders in 19 organizations and public school
operations located at 11 institutions “For example, the smokers made staff.
in Oklahoma. Each offender is here sell for around $300,” she
working toward a release date. says. “Anywhere else, you may not • The OCI showroom is located at
find them for less than $750.” 3402 N. Martin Luther King Ave
“These offenders are going to be in Oklahoma City and is open
our neighbors one day,” says Angie All of the products currently Mon. – Fri., 8 a.m. – 5 p.m.
Bell, Showroom Coordinator at OCI. available from OCI can be found on
“Providing them job skills is really their website at www.ocisales.com. • All products for sale through OCI
important. That’s why we help them Eligible customers can also visit their can be viewed on their website at
leave with quality trade experience.” showroom to see samples, pick out www.ocisales.com.
fabrics and discuss customizing.
State agencies, churches, non-profit • The Agri-Services division is
organizations, cities and counties OCI is a self-supporting entity. located in the same building
in Oklahoma have been taking Providing meaningful work to and hosts meat sales throughout
advantage of the quality products offenders reduces idleness and the year.
OCI workers produce for years, but promotes positive behavior – so they
government employees are may become successful members of • The Agri-Services meat sale
society. calendar can be found at
www.ocicatalog.com.

4791
ATMWINNERS
OECU members are on a winning streak at 7-Eleven.
GO
OD
THRU

IT
DEB DEB
IT

OD
GO RU
One of the biggest promotions but we recently were lucky enough to
TransFund and 7-Eleven hosts is have two - practically back to back!
TH

91
47

DEBIT
a giveaway of $1,000 for anyone
BIT

4791

James Lee (left) and Jennifer Schultz,

GOOD
THRU
DE

using their ATMs. It’s a fantastic little

sweepstakes that costs nothing to both from Oklahoma City, won the
participate - just use any one of their random prize of $1,000!
TH OD
RU
GO

ATMs! Do you know?

91
47

Withdrawals at 7-Eleven/TransFund
Oklahoma Employees Credit Union has ATMs are totally fee-free for OECU
actually had a few winners in the past, Debit Card users.
4
HOMESWEETHOME
Buying or refinancing a home is a big step, but it doesn’t have to
be a scary one. The more you know about the process, the more
confident you’ll feel about making these important decisions that
will shape your future.
Why choose OECU? Your loan stays with us.
As a credit union, OECU is able to That means you’ll work with OECU
offer lower interest rates on mortgage from your application all the way to
loans. We’re not for profit and that your final payment. Should you ever
means we have your interest at heart. have a problem, you can call us.

Your loan is safe. We are serious about service.

We’ve been practicing the same, safe A person answers the phone - not
lending policies for years...even when a computer. It’s called service and Holly Pankhurst is a Real Estate Loan
it wasn’t the popular thing to do. that’s something we take pride in. Officer the Quail Springs Branch.

You get the best offer up front. Our Real Estate Loan Officers
work for you. Call us at 405.606.OECU or visit
No gimmicks. No hidden fees.
We’re here to make sure you get www.oecu.org today. Take
You save money. the rate you deserve. A home is a advantage of low rates, big
privilege and we treat your’s no savings and great service.
OECU has fewer fees and lower
interest rates. Over time, that adds different than our own.
up. When it comes to refinancing a
house, every dollar matters.
DATESTOREMEMBER
ANNUALMEETING Presidents’ Day
Monday, February 15
The first 300 people to RSVP will be guaranteed our Stiles drive-thru and phone center
annual coffee mug. To RSVP, visit www.oecu.org and click open from 9 a.m. to 1 p.m.
All other branches closed.
the Annual Meeting link in the left sidebar of the page or
call 405.606.OECU. Debt Reduction Seminar
Thursday, February 18th

NETW
6 p.m. - 7 p.m.
Quail Springs Branch

ION!
(150th & N May Ave)

LOCA Budgeting Seminar

Thursday, March 11th
12 p.m. - 1 p.m.
41st St Branch (636 NE 41st St)

Saturday, March 27, 2010

Time: 1 p.m. to 3 p.m.
Location: Jim Thorpe Museum (NE 41st & Lincoln)
5
 LET’SGETFISCAL
The Finance Doctor is In! Start your Fiscal Year Right with a Check Up at OECU. Is your car loan
due for a tune up? Does your checking account have a fever? Do you want to lose a few pounds
off your mortgage payment?
OECU is here to help you keep your
financial New Year’s resolutions!
From now until March 31st, bring
in your account statements or let us
pull your credit report for you and
our financial “doctors” will review
your accounts. We will let you know if
OECU can save you money or other-
wise improve your finances!
Here’s what we’ll check:
Auto Loans
With interest rates as low as 3.99%
APR*, OECU can refinance your cur-
rent loan to lower your rate, payment
or term. Or, get you qualified before
you ever set foot in a dealership so
you’ll know exactly what you want to
spend and save yourself the hassle
of dealing with financing while car
shopping!
Checking Accounts
OECU has several accounts with low
or no fees and low cost overdraft
protection. Perhaps you’re ready for
a change, but think it’s too much
trouble. We’ve got that covered, too.
Let our experienced staff guide you
through the checklist, personally fill
out the forms and even follow up!
Home Loans
Mortgage rates are at historic lows,
but it won’t last forever and neither
will those stimulus programs! See if
refinancing could lower your monthly
payments and save you money or let
us help you get a new loan for your
next home. Beyond the savings, it’s
sure to be convenient as your loan
servicing will stay right here at the
credit union, now and in the future!
Fiscal Checkup Form
Each of our loan “patients” will receive an entry into a $500 monthly
drawing!* Complete this short survey and contact OECU at 405.606.
OECU or visit us online at www.oecu.org for more details.
Name:
Phone:
Auto Loan Information
Finance Company:
Current Rate:
Term:
Monthly Payment:
Checking Account Information
Financial Institution:
Fees:
Services:
Mortgage Information
Mortgage Lender:
Current Rate:
Term:
Monthly Payment:
Loan Officer:
* Participants are entered into a random drawing. No purchase necessary to win. Accounts subject to approval. Normal
lending policies apply. A review of credit history may be necessary. Offer available for a limited time.
OECU is dedicated to identifying Just For Participating
your needs and suggesting solutions
that will improve your financial life– Each of our loan “patients” will
receive an entry into a $500 monthly
all with a friendly smile and an easy
drawing!* Now that’s healthy for you
to understand process. Just another
and your budget!
way OECU is guiding members to
greater financial success!

6
 BOARDELECTIONS
The 2010 Election Committee is taking applications for
candidates for three (3) separate positions for the OECU
Board of Directors. The deadline for registration is
February 12, 2010.
Description of Duties - A volunteer on the Board of
Directors (BOD) will perform as a member of a team that
is ultimately responsible for the general direction and
control of the affairs of the credit union. As a group, the
BOD approves credit union policies and declares divi-
dends for deposits and rates of interest for loans.
The BOD also approves members of the credit union
and authorizes investments of credit union funds. Be-
cause of these responsibilities, it is necessary that quali-
fied candidates realize and be able to commit to the
following criteria:
1. Be a credit union member in good standing.
2. Be bondable.
3. Be able to attend monthly meetings and an annual
planning conference.
4. Have a general knowledge of credit union products
and services.
5. Maintain the highest level of ethics and confidentiality
in all BOD dealings.
Qualified candidates should submit their nomination in
writing to: cally include information to process transactions on your behalf, conduct the
Oklahoma Employees Credit Union
Attn: Election Committee
P.O. Box 24027
Oklahoma City, OK 73124
Nominations must include the following information:
1. Letter of nomination/introduction
2. Declaration for which seat the
candidate wishes to run:
a. Seat 1 (3 yr. term) - Bill Tearney
b. Seat 2 (3 yr. term) - Paul Rachel
c. Seat 3 (3 yr. term) - Justin Jones
3. A current resume
Each candidate may only specify one seat for which they
wish to run. All nominations should be submitted no later
than February 12, 2010. No nomination will be accept-
ed after this date.
Each individual submitting a nomination will be notified
of their eligibility and opposition by the Election Com-
mittee no less than 15 days prior to the Annual Meet-
ing. The election will be held at the Annual Meeting and
successful candidates will be introduced following the
election.
PRIVACY NOTICE DISCLOSURE
Oklahoma Employees Credit Union, your member-owned financial institution,
is committed to providing you with competitive products and services to meet
your financial needs and help you reach your goals. We are equally com-
mitted to protecting the privacy of our members. Under federal law, we are
required to give you this privacy notice. It describes our credit union’s privacy
policy and practices concerning the personal information we collect and
disclose about our members. It also includes information about the parties
who receive personal and sometimes nonpublic information from us as we
conduct the business of the credit union. If after reading this notice you have
questions, please contact us at (405) 606-6328 or write to:
Oklahoma Employees Credit Union
P.O. Box 24027
Oklahoma City, OK 73124
INFORMATION WE COLLECT ABOUT YOU —
We collect nonpublic personal information about you from the following
sources:
• Information about your transactions with us
• Information we receive from a consumer reporting agency
• Information obtained when verifying the information you provide on an
application or other forms; this may be obtained from your current or
past employers, or from other institutions where you conduct financial
transactions. We may disclose all of the information we collect, as described
above, as permitted by law.
PARTIES WHO RECEIVE INFORMATION FROM US —
We may disclose nonpublic personal information about you to the following
types of third parties:
• Financial service providers, such as insurance companies, mortgage
service companies and securities broker-dealers
• Non-financial companies, such as consumer reporting agencies, data
processors, check/share draft printers, financial statement publishers/
printers, plastic card processors, government agencies and mailhouses
DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE
SERVICES TO US —
In order for us to conduct the business of the credit union, we may disclose all
of the information we collect, as described above, to other financial institu-
tions with whom we have joint marketing agreements, to other companies
that perform marketing services on our behalf, or to nonaffiliated third parties
for the purposes of processing and servicing transactions that you request
or authorize, so that we may provide members competitive products and
services. We may also disclose nonpublic personal information about you
under circumstances as permitted or required by law. These disclosures typi-
operations of our credit union, follow your instructions as you authorize, or
protect the security of our financial records. To protect our members’ privacy,
we only work with companies that agree to maintain strong confidentiality
protections and limit the use of information we provide. We do not permit
these companies to sell the information we provide to other third parties.
DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS —
If you terminate your membership with Oklahoma Employees Credit Union,
we will not share information we have collected about you, except as may be
permitted or required by law.
HOW WE PROTECT YOUR INFORMATION —
We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or services
to you. We maintain physical, electronic, or procedural safeguards that com-
ply with federal regulations to guard your nonpublic personal information.
WHAT MEMBERS CAN DO TO HELP —
Oklahoma Employees Credit Union is committed to protecting the privacy of
its members. Members can help by following these simple guidelines:
• Protect your account numbers, plastic card numbers, personal
identification numbers (PINs) or passwords. Never keep your PIN with
your card. The PIN can provide free access to your accounts if your
card is lost or stolen.
• Use caution when disclosing your account numbers, social security
numbers, etc. to other persons. If someone calls you explaining the
call is on behalf of the credit union and asks for your account number,
you should beware. Official credit union staff will have access to your
information and will not need to ask for it.
• Keep your information with us current. If your address or phone number
changes, please let us know. It is important that we have current
information on how to reach you. If we detect potentially fraudulent or
unauthorized activity or use of an account, we will attempt to contact
you immediately.
Let us know if you have questions. Please do not hesitate to call us – we are
here to serve you!
7
 TAXESMADEEASY
TurboTax makes filing easier and much cheaper.
Tax season 2009 is here! Once
again, OECU has partnered with
TurboTax Online to offer our mem-
bers quick and easy Federal tax
filing assistance.
Like the benefits of managing your
accounts online with OECU, doing
your taxes online is easy, convenient
and accurate.
Get the biggest refund you deserve
with TurboTax Online(SM).
Receive your refund in as little as
nine days when you e-file.
• Visit www.oecu.org
• Click on the TurboTax icon to start
filing today!
This is not an
te!
introductory ra
† Annual Percentage Rate determined by credit history. Includes discounts for automatic payments, eStatements and OECU checking accounts with direct deposit. Normal
lending policies apply. Refinance of existing OECU loans do not qualify. Offer available for a limited time. Call 405-606-6328 for details.
As you prepare your taxes,
TurboTax:
Asks easy questions and fills out all
the right forms
Accurately completes all the
calculations for you
Helps find all the deductions you
deserve
Can help guide you through major
changes to your tax situation
SAVENOW
Keep this in mind as you prepare
your taxes for 2009 – IRA deposits
can be made for tax year 2009 all
the way to April 15, 2010.
Let us
Pre-approve
OECU Auto Loans
as low as
New Tax Rules for 2009
Tax Year
Economic recovery payment.
Any economic recovery payment you
received is not taxable for federal
income tax purposes, but it reduces any
making work pay credit or government
retiree credit.
Making work pay credit.
If you have earned income from work,
you may be able to take this credit. It is
6.2% of your earned income but cannot
be more than $400 ($800 if married
filing jointly).
Government retiree credit.
You may be able to take this credit if
you get a government pension or annu-
ity, but it reduces any making work pay
credit.
Read more about these and other
new rules at www.irs.gov and
consult your tax advisor to
determine how you could benefit.
you for one of our best offers yet!
3.99%
APR†
3