September 2009  :  www.fairwinds.org
How to Save During Turbulent Times

Saving Money  
Trying to put together a savings strategy in the midst of a shaky economy can be an overwhelming and daunting task. But there are small things you can do now that will make a big difference in your financial future.

Listed below are tips to help you start off on a successful savings path:

  • Have your savings automatically deducted from your paycheck before it even hits your checking account. Have your fixed bills deducted as well, either through automated debit or FAIRWINDS Online Bill Payer, so you're not tempted to touch the money. You'll also avoid late or missed payment penalties.
  • Try to pay off your debt and keep paying yourself. Once you've paid off those debts, shift the payments to your emergency fund. Because you're already used to living without the money, you can use the "extra" funds to build up a growing savings account.
  • Wait 24 hours before making an impulse purchase.
  • Leave your credit card at home and only use your debit card or cash for purchases.
  • Treat your savings account as an emergency fund. Don't use it except for emergencies when you have no other alternatives.
  • Set up a financial planning appointment at FAIRWINDS. We have experts available at every branch location to help you create a solid savings strategy.
  • Be sure to attend this month's “Budgeting 101” seminar to learn more about cutting costs while building your savings nest egg.

Source: Bankrate.com


2009 Visa® NFL Mega Fan Giveaway Sweepstakes

VISA NFL Mega Fan Giveaway Sweepstakes
This NFL season, Visa® could be your ticket to gameday. You and three friends have the chance to be part of the action at the 2009 Playoffs, the 2010 Pro Bowl, and Super Bowl XLIV, including pre-game field access, courtesy of Visa®.

Learn more about the 2009 Visa® NFL Mega Fan Sweepstakes by clicking here through November 30, 2009.


Shred Fest at Fern Park

Shred Fest  

Saturday, September 19

FAIRWINDS Fern Park Branch
134 Fernwood Blvd.
Fern Park, FL 32730
9:00 a.m. - 1:00 p.m.

Don't miss out on this incredible opportunity to protect yourself from identity theft by safely destroying your personal documents and papers in our shred truck, courtesy of Crown Shredding. You can actually see the documents shred right before your eyes!

For more information about Shred Fest and to view the 2009 Shred Fest calendar, please click here.



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We're the Key To Your Next Car

Business Debit Rewards Card

Access your FAIRWINDS business checking account in style with the new Business Debit Rewards card! Earn and redeem
CU Rewards points for valuable merchandise and travel perks simply by using your signature for debit card purchases.

FAIRWINDS Business Debit Rewards Card

Special Introductory Offer!*

Now through December 31, 2009, earn 1 point for every $1 spent when you use your signature (instead of PIN) for purchases.

How can you get your card today? Click here to learn more!

*Offer subject to change at any time. After December 31, you'll earn 1 point for every $3 spent when you use your signature for purchases. Qualifying purchases for CU Rewards points include transactions made without using a Personal Identification Number (PIN).


U.S. Small Business Administration Programs & Services

Seminar on September 23        

Wednesday, September 23

FAIRWINDS Corporate Center
3087 N. Alafaya Trail
Orlando, FL 32826
6:30 p.m. - 8:30 p.m.

Please join us at this free seminar as J. Eduardo Ramos, Area Manger at the U.S. Small Business Administration, shares his expertise on the programs and services available to business members through the SBA. Topics of discussion will include: how to access capital, program eligibility, business counseling, and training resources.

Click here to reserve your seat today.


Budgeting 101 Seminar

Seminar on September 30

Wednesday, September 30

FAIRWINDS Corporate Center
3087 N. Alafaya Trail
Orlando, FL 32826
6:30 p.m. - 8:30 p.m.

Looking for tips to create and maintain a regular budget? Please join us at this free member seminar as Joy Kafka, Senior Loan Analyst for FAIRWINDS Credit Union, shares her expertise and strategies for creating and sticking to a budget. Seminar topics will include: how to create a monthly budget, how to incorporate regular expenses, strategies for regularly tracking your budget, and more.

Click here to reserve your seat today.


Sign Like a Star Sweepstakes Winner Announced!

Our Sign Like A Star Sweepstakes Winner
Congratulations to member Sonia B. for winning this summer's "Sign Like a Star Sweepstakes!" Sonia was randomly selected as our winner and chose a weekend getaway to the Ritz Carlton Orlando for her grand prize.

Thanks to everyone who participated!



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