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And the Winners Are

The winner of the trip for two to NASCAR’s Dickies 500 held on November 4, 2007, at the Texas Motor Speedway is Tara Wilson of Waldo, AR. She enjoyed a noisy, fun-filled weekend that includes race tickets, two night hotel stay and $250 spending money. When asked how she felt about winning, Tara replied, “This is the most amazing thing ever. I’m so excited and can’t wait to go see Jeff Gordon!”

Tara Wilson

Congratulations, Carl Jones, for winning the iPod Red Nano given away during our recent eStatement promotion! Carl was excited about winning and could not decide whether to keep it or give it to his daughter.

Carl Jones

  • -

    The Credit Union

Executives Society (CUES) awarded Carter Federal with two National Golden Mirror Marketing Awards for 2007. An Award of Merit was presented for excellence in the Annual Report Category and a Second Place Award for our 2006 Summer Auto Loan Television Commercial. Carter Federal was judged against many other entries submitted by credit unions across the country in the less than $150 million asset division. Each was judged on creative content, strategic planning and return on investment. This is the third straight year for Carter Federal to be recognized with CUES Golden Mirror Awards!

  • Credit Union Service

Center (CUSC) Mystery Shoppers regularly visit CUSC outlets to grade the quality of the member service provided. EXCEPTIONAL SERVICE is based on such criteria as prompt, friendly service, accuracy, and time of wait. Each Carter Federal branch received a grade of 100% for the service provided. In fact, we are the only Louisiana credit union to receive a perfect score in all branch locations. As a CUSC outlet, Carter Federal services members of other credit unions. President/CEO James P. Gibson commented, “Banks don’t have this sort of thing – they don’t cooperate with one another.” By participating in CUSC, Carter Federal members and participating credit unions are able to access their accounts at outlets across the United States.


Dear Member:

This is to inform you of the changes made to your MEMBER’S CHOICE Credit Disability coverage currently being provided to you through Carter Federal Credit Union. The following provision changes will be effective March 1, 2008.

Your plan of benefits has changed from 30 day Retroactive to 14 day Non-Retroactive. This affects the Total Disability Benefits provision of the Certificate previously given to you. The new provision will provide that instead of being disabled for 30 days with benefits beginning on the 1st da , you must be disabled for 14 days with benefits beginning on the 15th day. In addition to your plan changing, there has also been an adjustment to your rate. The decrease in premium could result in a lower last payment or may decrease the duration of the loan. The new Credit Disability Insurance rate per $100 of outstanding loan balance is $.29 (current is $.32)for the Single Insured Plan and $.508 (current is $.60) for the Joint Insured Plan.

There is no action necessary on your part to continue coverage if you already have it. In the event you do not want cover- age to continue, please notify the credit union.

www.CarterFCU.org 1-800-367-5026

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