INSIDE THIS
ISSUE:
CMN
CREDIT UNION CHRONICLES
2
V O L U M E
Loans
2
Share and
2
Loan Rates
TruStage

The last new star
was added to the
American flag in
what year?

The heads of which
presidents are
carved into Mount
Rushmore?

What does KRD
stand for?
2
3
Search
Chip Cards
Member
3
4
Groups
Scholarships
4
Dates
Closed
4
KRD
Superheroes
5
Staff and
Volunteers
5
I S S U E
7
S P R I N G
2 0 1 6
66th Annual Meeting
Insurance
Word
1 ,
Staff and members
gathered on March 14th
for KRD Federal Credit
Union’s 66th Annual
Meeting. Following a
delicious meal and a
brief meeting, the
American themed trivia
game began. Many
laughs were had and a
lot of cash was given
out! Correct answers
were awarded $5 to $20!
Where else can you go
for a meeting, get a good
meal and walk out with
extra cash? Just the
KRD meetings! If you
haven’t ever attended,
you are missing out!
Plans are already underway for next year’s
meeting.
Many thanks to all
that attended and we
thank you for taking time
out of your busy lives to
support OUR credit union. The Staff and Board
are very proud of all the
accomplishments that
KRD has made and we
couldn’t be the financial
institution that we are
with out great Members!
Grateful for the past,
preparing for the future!
Trivia answers: 1960;
Washington, Jefferson, T
Roosevelt, Lincoln;
Kansas River District
Board Election Results
The Board and Staff
would like to thank Jerry
Calvin for his dedication
and commitment to KRD
and the Board of Directors. Jerry elected to not
run for another term due
to his increasingly busy
schedule. His wittiness
and great sense of humor
will sure be missed at the
meetings!
The staff and board
are excited to announce
the re-election of Marty
Conroy and welcome
Michael Jonasen to the
Board of Directors.
Marty brings many years
of knowledge and experience to the credit union board. Michael has
been a member for several years and he is ready
for the new challenge of
being apart of such a
dynamic board!
New officers were
elected at the April meeting and we would like to
congratulate Dari Olson,
President, LeaAnn Doak,
Vice-President, and
Cindy Dame, Secretary
for another year of
service.
PAGE
2
Loans
Children’s
Miracle Network
In 2015, Credit Unions
for Kids raised $11.5
million for Children’s
Miracle Network.
This not only helps to
provide care for kids,
it provides a sense of
hope for them and
their families. This is
what ‘people helping
people’ is all about!
KRD is proud to be a
part of such a great
organization. Through
numerous fundraising
in 2015, KRD raised
almost $700 for our
local Children’s Hospital! We couldn’t do
it with out our Members!. Thank you for
your generosity!
CREDIT
you with that application process.
KRD offers many
types of loans at com- We currently have
petitive rates. We can three full time Loan
finance your new and Officers and turnaround time is generused vehicles, boats,
ATV’s, campers, and ally same day as the
motorcycles. We also application.
We are a full service
offer personal loans.
Our home equity loans financial institution can
help your banking
are financed through
Centennial Lending but needs and wants!
we are here to assist
UNION
CHRONICLES
Share Rates
Regular Shares
Rate
APY
$50.00 & Over
0.15% 0.15%
Share Draft Account
Minimum $100.00 Balance 0.05%
Share Certificate Accounts
6 month
0.25%
0 .25%
12 month
0.50%
0.50%
18 month
0.60%
0.60%
24 month
0.71%
0.71%
30 month
0.81%
0.81%
48 month
1.20%
1.21%
Loan Rates
New Vehicle
Up to 84 month -Base Rate 5.00 %
APR
Used Vehicle –Base Rate 5.5% APR
1-3 yrs. old
Up to 72 months
4-7 yrs old
Up to 60 months
8 yrs +
Up to 48 months
Motor Home/5th Wheel/Travel Trailer
New (max term 120 mos)-Base Rate
7.00% APR
Used (max term 84 mos)
Unsecured
Up to 36 mos–Base Rate 10.75% APR
Share –3.00% APR above rate of
share
VOLUME
1,
ISSUE
7
PAGE
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WORD LIST
LOANS
CHRISTMAS CLUB
VACATION CLUB
BACK TO SCHOOL CLUB
ATM
CASHIERS CHECKS
MEMBERS
NOTARY SERVICE
NCUA
FRIENDLY
PROFESSIONAL
HOMEBANKING
MOBILE BANKING
DRIVE THRU
CERTIFICATE ACCOUNTS
SHARES
SHARE DRAFT
CREATED FROM FREEWORDSEARCH.NET
Chip Cards
A chip card is a standard
-size plastic debit or credit
card that contains an embedded microchip as well
as a traditional magnetic
stripe. The chip encrypts
information to help increase data security when
making transactions at ter-
minals or ATMs that
are chip-enabled.
KRD’s card processing company is in the
finalizing stage of
switching over to the
chip cards. The new
cards will begin being
issued towards the
3
end of the year. They
will be issued as cards are
renewed.
Thank you for your patience in advance as the
switchover will be a long
and drawn out process!
PAGE
4
2016 Scholarship Winners
“What
Member Groups
All credit unions are
based on a “common
bond” relationship.
People who work for
the same company,
belong to the same
church or society, or
immediate family of
current members.
KRD’s field of memberships includes
over 80 member
groups and six area
churches. KRD is
always accepting
applications for new
member groups. After Board approval,
employees of your
company can become
members of KRD and
start benefiting from
all we have to offer
such as, savings and
checking accounts,
certificate account,
club savings accounts,
health savings accounts,
debit cards, homebanking
and mobile banking, bill
pay, and loans to fit your
every need!
Superhero or
Cartoon Character
would you be and
why?”
In honor of National
Credit Union Youth
Month, KRD hosted
the 10th Annual Scholarship Essay Contest.
A $500 scholarship
was awarded to two
Youth Members during
Youth Month. Students were asked to
write a 500 word essay
on their favorite Superhero or Cartoon Character. The topic taught
us a lot about the applicant and was very interesting to read! The
scholarship committee
congratulates Caleb
Suda and Kaden Sitzman for their winning
essays. Both are 2016
graduates of McCook
High School and plan
on attending McCook
Community College in
the fall. Their essays
were very well-written
and stayed on topic.
Their superhero of
choice? Spiderman!
Congratulations to the
both of them!
We wish everyone that
applied the very best in
their futures and wherever their paths might
take them, may they it
be “super”!
Dates Closed
Your Credit Union

May 30th- Memorial Day
will be closed for the  July 4th - Independence Day
following days to

September 5th - Labor Day
observe these

October 10th - Columbus Day
holidays!
CREDIT
UNION
CHRONICLES
VOLUME
1,
ISSUE
7
PAGE
KRD Superheroes
In celebration of National
Credit Union Youth Month,
the week of April 18th, the
KRD youth members were
recognized for their
“Savings Superpowers”.
The youth were encouraged to deposit to their
savings accounts this
week. For doing so they
received a ticket in the
drawing for a Kindle Fire.
Tickets sold for the Kindle
raffle were donated to
Children’s Miracle Network.
To get to know the KRD
team of Superheroes better,
they were asked “What Superhero or Cartoon Character
would you be and why?” After a lot of thought, this is
their responses.
Lynette Chmiel – Between
working everyday full time
and having a very active 2
year old and a husband that
works late every night, you
have to do everything like
Wonder Women. She is
strong mentally and physical.
She can do anything that she
puts her mind to.
Debbie Jenkins – I guess I
would like to be the invisible
woman! Why? Because
there are some days you
would just like to disappear,
and yet sometimes you could
even be in a room with others
and yet no one knows! Or
wait, must I confuse invisible
with invincible? Was the invisible woman also invincible? Being both would be
awesome! If I may list another, favorite cartoon hero is
MAXINE! Every one of her
sayings will guarantee to
bring a smile to your face.
Sarah Renner - Appearances
are deceptive. Fiona is extremely insightful and is an
independent women who is
very down-to-earth. Evan as
an ogre, Fiona can be refined
and lady-like. She is a loving
wife and mother, loyal friend,
and unlike princesses in fairy
tales, an expert in combat. Fiona can be driven
at times when needed.
She also has the skill of
rallying and leading
other people.
Melissa Sitzman – I
would be superman. I
would have superhuman
speed, which I don’t
have now so that would be
fun. I would also be able to
protect the ones I love! But
my cape would have to be
purple.
Lisa Beideck – I choose Superman for two reasons,
Flight and Superhuman
Speed. The possibilities are
endless with this combination
of superpowers. I could visit
so many places. If I was having a bad day, I could fly
somewhere tropical and relax
on the beach. Also, he doesn’t need to eat or sleep so
there is even more time for
travel. Plus his cape is cool!
Staff and Volunteers
Staff
CEO/Manager
Sarah Renner
ACH/Loan Officer
Debbie Jenkins
MSR/Loan Officer
Lisa Beideck
Member Service Representative Lynette Chmiel
Member Service Representative Melissa Sitzman
Supervisory Committee
LeaAnn Doak, Randy Andrews, Sue Chipman, Sandy
Kotschwar
Safety Committee
Marty Conroy, Debbie Jenkins
Board of Directors
Mike Peters, Marty Conroy, Mark Carman, Cindy
Dame, Dari Olson, LeaAnn Doak, Michael Jonasen
Thanks to our staff for the outstanding job they have done and for the superb customer service to our
Members! Also, thanks to all committee members for their time and commitment.
5
KRD Federal Credit Union is a not-for-profit
financial cooperative owned by its members. Credit
Unions promote thrift, and income is passed along
to its members in the form of higher dividends on
Federal Credit Union
savings accounts, lower interest on loans, or new
and improved services. KRD Federal Credit Union
was established in 1949. Our field of
1001 West B Street
PO Box 385
McCook NE 69001
membership is based on employee groups and
family members. Our credit union is
Federally chartered and federally insured to
$250,000.00 by the NCUA.
Phone: 308-345-7040
Fax: 308-345-7050
K.R.D. Federal Union Credit Union -
E-mail: [email protected]
Grateful for the past - Preparing for
Hours
Lobby: Monday - Friday 9:00 - 4:00
Drive Thru: Monday - Friday 7:30 - 5:00
Night Drop & ATM Available
the future.
KRD FEDERAL CREDIT UNION
PO BOX 385
MCCOOK, NE 69001
Website: krd-fcu.org
U.S. POSTAGE PAID
STD
MCCOOK, NE
PERMIT NO. 20
ZIP CODE 69001