Spirit Of Alaska FCU

Winter 2012-13

Introducing TRAVELEX prepaid Cash PassportTM

The Travelex Cash Passport will change the way you think about your money when traveling. With all the convenience of travelers checks, but without the hassle, it allows you to pre-load your travel budget for smart and convenient use in millions of ATMs, shops, and restaurants.

Key Benefits:

Chip & PIN Enabled
All Travelex Cash Passports are enabled with chip & PIN functionality, making it easier to transact abroad, particularly in countries throughout Europe, where this payment method is most popular. When conducting a chip & PIN based transaction, you must insert the Travelex Cash Passport into the machine and the machine will prompt you to insert a PIN number before confirming payment. These transactions are very similar to debit card transactions here in the United States. There will not be a receipt to sign, as your identity is verified using the PIN number.

The Travelex Cash Passport is not connected to your bank account. It is Chip & PIN AND signature protected and has 24/7 Global Emergency Assistance.

Prepaid Convenience
Withdraw local currency at millions ATMs worldwide, or pay directly anywhere MasterCard is accepted. Several countries are blocking debit and/or credit cards issued in the USA. While traveling, you never want to find yourself without access to your funds and experience money problems while abroad.

Purchase your Travelex Cash Passport now at any Spirit of Alaska FCU branch. For more information call (907) 459-5900.

Happy Holidays – With a Gift of a Low Rate Auto Loan

The elements can be brutal out here in Alaska, and no one knows that better than your poor vehicle. When it's time to upgrade to something less worse for wear, let us provide the financing. We offer Zero Down and Competitive Rates (membership and credit requirements apply) as well as options to protect your investment with Guaranteed Asset Protection (GAP) and Major Mechanical Protection (MMP).

Guaranteed Asset Protection (GAP)
GAP is available on most of our consumer loans. It provides protection for you in the case of theft or loss of your collateral during the finance period.

Major Mechanical Protection (MMP)
You don't need a new car to get a new car peace of mind. The average new car is out of warranty in just two and a half years. Whenever you purchase a car, new or used, consider our new MMP program. Get peace of mind and protect yourself and your family against the expense of future costly repairs.

Credit Life and Disability insurance provides added protection and security against unexpected events that could impair your ability to make timely payments.

It's Easy! Choose a vehicle, apply online for pre-approval with us, and then sign loan documents right at the dealership. Now that's one-stop shopping. We work with the majority of the local dealerships in Fairbanks. Call our Consumer Loan department at 459-5970 to answer any of your questions.

e-Teller new look & feel is now live

On September 26th we rolled out the latest upgrades to e-Teller which resulted in a new look and feel! When accessing e-Teller for the first time after the upgrade you will be presented with your security challenge questions for validation. After correctly answering your personal security challenge questions, you will be logged in and will experience the new look and feel of e-Teller. If you should have any issues, you may access our FAQ's for answers to some of the most commonly asked questions or access the Trouble Shooting Guide for help in resolving problems.

While change is always new and sometimes a challenge, the security improvements to e-Teller and the new navigational look and feel lay the groundwork for future enhancements to make our online system even more powerful and secure.

Check out the new look with the same great features:

  • Improved navigation – More intuitive design;
  • Alerts – Setup alerts to notify you when certain account activities occur;
  • Online Bill Pay – Pay your bills from the convenience of your home or work;
  • Virtual Safe Deposit Box – Ability to upload important documents for safe keeping;
  • Home Connect – All your important account related items or documents archived in one safe, convenient area;
  • Set–up Budget Categories – track how you are spending your money;
  • Customize Account Descriptions – Never confuse an account again! Rename every account to something meaningful to you;
  • Improved Reporting – Download reports to Excel.

If you have questions that are not answered in the FAQ section or the Trouble Shooting Guide, please email: info@spiritofak.com or call 907-459-5900.

Alerts on e-Teller

Setting up Alerts on e-Teller is simple and easy. Sign on to e-Teller and select My Profile at the very top of your screen. Verify your information is correct and your desired email address is entered. Select save and then choose Alerts from the menu on the left side of your screen. There are four types of Alerts that can be set up. The first two are created by the member and are Financial Alerts and Personal Alerts. The next two Alert types are Marketing Alerts and System Alerts. All Alert types can go to the Online Message Center, your work email, your home email, or all three.

Create Financial Alerts by account to:

  • Monitor if your balance falls below a level you set;
  • Watch for a particular check to clear;
  • Notify you when any check clears above or below an amount you set;
  • Monitor Electronic funds transactions.

Create Personal Alerts to:

  • Set-up a reminder to pay your mortgage, auto loan, etc.;
  • Remember birthdays and other important occasions;
  • Remind you of anything else you need reminders on (anniversary's, etc.).

The power to monitor your daily financial activity is literally at your fingertips, even if you do not log into e-Teller on a daily basis.

The Benefits of a Safe Deposit Box

Safe deposit boxes can be used for a wide variety of items. Some people choose to leave their important documents such as a social security card, birth certificate, passport or even old coins and bills. If you're considering renting a safe deposit box to keep your valuables, family heirlooms or important documents, here are a few things to consider.

You should contact your insurance agent. See what your insurance policy states if you have contents in any other place besides your home – you may be able to add the contents of your safe deposit box to the policy. If you have valuables such as jewelry, family heirlooms or old photographs, make sure to seal them in plastic bags or something similar.

Items that take a long time to replace such as a birth certificate or family records definitely belong in a safe deposit box. Make sure you remember to add family members to your safe deposit box access – if you're out of town and someone in your immediate family needs to gain access to a document that is stored in the box, the credit union needs to know that your significant other or children are allowed to remove or take items.

These suggestions are only a general guideline, be sure to check with your lawyer or tax professional for further recommendations. If you're interested in a safe deposit box, call us at 907-459-5900 or stop by the Johansen branch to secure yours today!

Spirit Of Alaska FCU

Coming Soon

New to the newsletter, scroll down to read about community events, programs, and other non profits.

Upcoming Events

We are proud to sponsor Christmas in Ice
Dec 1, 2012 – Jan 6, 2013
$2 OFF Admission for all SoAFCU Members. Pick-up a coupon at your favorite branch.

Yukon Quest
Feb. 2nd 2013
Whitehorse start
Fairbanks finish

Ice Alaska
Feb. 26th – March. 31st

Holiday Closures

Mon, Dec 24 (1/2 day)
Tue, Dec 25

New Year's Day
Tue, Jan 1

Martin Luther King, Jr. Day
Mon, Jan 21th

President's Day
Mon, Feb 18th


Community Corner

Christmas in Ice
Christmas in Ice is the magical event that lights up the Christmas season in Interior Alaska. Located next door to Santa Claus House, the Ice Park features Christmas-themed ice art sculptures by local and international carvers. Adults will enjoy viewing the competitive entries, all falling under the North Pole theme "Where the Spirit of Christmas Lives Year 'Round."

For the little ones, be sure to check out the Kid's Park featuring an incredible Ice Maze and FOUR LARGE ICE SLIDES! And of course, the spinning twirlers and smaller ice slides continue to be enjoyable for even the littlest ice enthusiasts. Food and beverage concessions are available in the heated facilities on site and are open to the public.

Christmas in Ice is a non-profit event put on every year through generous donations from businesses & individuals throughout the community, and through thousands of hours of volunteer labor. Please consider making a donation or volunteering for this great event. Contact (907) 378-5578 or mail@christmasinice.org for more information.

Enjoy Christmas in Ice this season and receive a $2 OFF admission coupon for being a member of Spirit of Alaska FCU! Stop by your favorite Branch to pick up admission coupon to Christmas in Ice between now and the last day January 6th.

The Angel Tree program is one of The Salvation Army's highest profile Christmas efforts. Angel Tree was created by The Salvation Army in 1979 by Majors Charles and Shirley White when they worked with a Lynchburg, Virginia shopping mall to provide clothing and toys for children at Christmas time.

The program got its name because the Whites identified the wishes of local children by writing their gift needs on Hallmark greeting cards that featured pictures of angels. They placed the cards on a Christmas tree at the mall to allow shoppers to select children to help. Thanks to the Whites, who were assigned by The Army to the Lynchburg area at the time, more than 700 children had a brighter Christmas that first year.

Three years later, when the Whites were transferred to Nashville, Tennessee, Angel Tree was launched in the Music City. WSM radio, which airs the Grand Ol' Opry, came on board that year as the first Angel Tree co-sponsor in the U.S.

Because of the on-air promotion on WSM in Nashville, as well as national publicity on CNN and the Larry King Show, news of Angel Tree spread across the country like wildfire.

Who Angel Tree Serves
Angel Tree gives individuals and partnering corporations an opportunity to adopt less fortunate children and seniors and provide them with personalized gifts and necessities to those who would otherwise receive very little or nothing during the holiday season. Donors can be confident that their gifts go directly, to those who are truly needy since all Salvation Army Angels and are not served by other holiday assistance programs.

Spirit of Alaska FCU branches every year display an Angel Tree in the lobbies with gift requests for a specific child.