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TRUITY CREDIT UNION · One on One With a Professional

• 0:02
  Speaker 1: Good morning, good morning, good morning, and welcome, welcome, welcome.
• 0:04
  Speaker 1: It's time now for one on one with the pro,
• 0:06
  Speaker 1: but it's looking more like two on one today, but
• 0:08
  Speaker 1: that's okay, more information the better. We have our friends
• 0:11
  Speaker 1: from Trudy Credit Union, and we have Amanda and we
• 0:14
  Speaker 1: have Ferrol in with us today.
• 0:15
  Speaker 2: How are we doing today, ladies? Good? No, I'm already
• 0:19
  Speaker 2: nervous because every time we talk fraud, whoa, the antennas
• 0:24
  Speaker 2: go up, and my goodness sakes, it is something that's
• 0:29
  Speaker 2: quite prevalent. How prevalent? Is it?
• 0:31
  Speaker 3: Very very prevalent this day and age, especially with AI
• 0:35
  Speaker 3: kind of kicking in, it's making it easier and easier
• 0:38
  Speaker 3: for fraudsters.
• 0:40
  Speaker 2: That's that's not necessarily how I want to start off
• 0:43
  Speaker 2: my new year, but I understand it's best to be prepared.
• 0:47
  Speaker 2: You got to know and if you and if you
• 0:49
  Speaker 2: don't know, you're living in a fool's paradise. Yes, So
• 0:52
  Speaker 2: what are some things that we can do to prevent fraud?
• 0:57
  Speaker 3: The number one thing we always say is be diligent
• 0:59
  Speaker 3: on checking your statements and checking your digital banking and
• 1:04
  Speaker 3: also never give out that two factor code that is
• 1:06
  Speaker 3: sent to.
• 1:07
  Speaker 2: You as well you know something, that digital banking is
• 1:12
  Speaker 2: pretty sweet because you can catch things boom, Yes, the
• 1:16
  Speaker 2: instant that it happened. Now, this has happened to me,
• 1:19
  Speaker 2: so I'm imagining it's happened to probably at least fifty
• 1:22
  Speaker 2: percent of the people in the world. Either you have
• 1:25
  Speaker 2: or you haven't. And if you haven't, be thankful. If
• 1:27
  Speaker 2: you have, you're going, oh gosh, you know what that's like.
• 1:31
  Speaker 2: But yeah, it is. It is crazy. But like you said,
• 1:35
  Speaker 2: check the digital quickly. It's getting so bad now that
• 1:39
  Speaker 2: with the AI and everything, they can even start messing
• 1:43
  Speaker 2: around with your paper checks, can't they. It's hard. I've
• 1:48
  Speaker 2: seen it done.
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  Speaker 4: Yeah they can.
• 1:51
  Speaker 3: They're good at altering and selling stories to make you believe.
• 1:56
  Speaker 2: But yeah, now when it comes to credit cards, how
• 2:01
  Speaker 2: are we looking on that? How do how do we cindit?
• 2:04
  Speaker 4: Gard credit cards are obviously a great tool for our
• 2:08
  Speaker 4: members to use. They do provide a little additional security
• 2:12
  Speaker 4: as well, you know, and that it's not hitting your
• 2:14
  Speaker 4: bank account directly, so if you do happen to have fraud,
• 2:18
  Speaker 4: you know, it gives you that a little bit of
• 2:20
  Speaker 4: buffer as well. But our credit cards in general are
• 2:24
  Speaker 4: a great competitive tool for our members to use. So
• 2:28
  Speaker 4: new cardholders are going to get zero percent introductory rate
• 2:31
  Speaker 4: for twelve months, and then we also currently through the
• 2:37
  Speaker 4: first quarter, we are running a balance transfer. Sometimes you'll
• 2:41
  Speaker 4: hear it called a cash advance promotion where our existing
• 2:44
  Speaker 4: cardholders who have a rate or signature rewards card will
• 2:47
  Speaker 4: get zero percent for twelve months doing a balanced transfer
• 2:51
  Speaker 4: a cash advance. So if you're trying to consolidate debt,
• 2:55
  Speaker 4: that's a great option. Zero percent for twelve months is
• 2:57
  Speaker 4: hard to come by nowadays. Very or you know, if
• 3:00
  Speaker 4: you're like me and you just found out you have
• 3:03
  Speaker 4: to have some home improvements unexpectedly, great opportunity to take
• 3:06
  Speaker 4: advantage of that.
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  Speaker 2: You know, I think this weekend, folks might just find
• 3:09
  Speaker 2: out they have some home improvements that they just I
• 3:12
  Speaker 2: didn't see this coming until the blizzard of twenty six,
• 3:15
  Speaker 2: But my goodness, sakes that zero percent, that's a that's
• 3:19
  Speaker 2: a good wow. Yeah, I haven't seen that in a
• 3:22
  Speaker 2: long time.
• 3:22
  Speaker 4: It's just say, yeah, no, we try to run it,
• 3:25
  Speaker 4: you know, at least every year, if not every couple
• 3:28
  Speaker 4: of years, because we understand that, you know, the economy
• 3:30
  Speaker 4: is hard. Sometimes budgeting only goes so far and so
• 3:35
  Speaker 4: offering that to our members. You know, even after the
• 3:37
  Speaker 4: twelve months are we have cards as low as twelve
• 3:40
  Speaker 4: point nine to nine percent apy, So extremely competitive rates
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  Speaker 4: even after that introductory or promotional period might end.
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  Speaker 2: That's good because you know every time, it seems like
• 3:51
  Speaker 2: every Thursday, I get a slew of credit card offers
• 3:56
  Speaker 2: and they're anywhere from sixteen to four eight too, I
• 4:01
  Speaker 2: don't know, two and ten percent interest only, who are
• 4:05
  Speaker 2: you talking to? Smooth? You know, I just throw those
• 4:08
  Speaker 2: things away. But you know, twelve nine nine, that's great. Wow,
• 4:13
  Speaker 2: And so we got that going for us here. Now.
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  Speaker 2: Savings has always been something we've been taught what you're
• 4:20
  Speaker 2: supposed to do. Save it for a rainy day, save
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  Speaker 2: for something special, or save it in case of an emergency.
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  Speaker 2: A lot of times both. But folks who don't do that,
• 4:31
  Speaker 2: like the youth too. Yeah, but you're making it worth
• 4:34
  Speaker 2: it while now.
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  Speaker 4: Yeah, I mean our rates are extremely competitive. So again,
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  Speaker 4: if you're looking, and the nice thing is in the
• 4:41
  Speaker 4: in our world at the credit union, you don't have
• 4:44
  Speaker 4: to come to the table with five hundred or one
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  Speaker 4: thousand dollars. So we have what's called the name that
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  Speaker 4: Save It. You can start with a zero balance, and
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  Speaker 4: so I've got an eighteen year old and I'm like,
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  Speaker 4: put twenty dollars from every paycheck or whatever is affordable
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  Speaker 4: to you, and you'd be quick surprised how quickly you
• 5:00
  Speaker 4: build up that savings. So when we think of savings,
• 5:03
  Speaker 4: we think, oh, I already have to have money saved
• 5:05
  Speaker 4: to do that, But that's not the case. So you
• 5:07
  Speaker 4: can start at zero and we make it easy for
• 5:10
  Speaker 4: you to work your way up there.
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  Speaker 2: Mighty nice. You have to worry about things getting stolen
• 5:15
  Speaker 2: in your house. You got the safety of your credit
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  Speaker 2: union to guard your nest egg before you're here.
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  Speaker 4: Yeah, and then you know, taxes and bonuses, those are
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  Speaker 4: good opportunities that if you do kind of have some
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  Speaker 4: money that you weren't planning on, you know, that's a
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  Speaker 4: good way to get started as well.
• 5:30
  Speaker 2: It is a first impulse would be let's go on
• 5:32
  Speaker 2: on vacation. Wait a minute here, you know we got
• 5:37
  Speaker 2: three kids in a house. What are you think in here?
• 5:40
  Speaker 2: So anyway, I tell us a little bit about the
• 5:43
  Speaker 2: certificates of Is this a certificates of deposit we're talking
• 5:47
  Speaker 2: about here with the competitive rates? Yes, it's been a
• 5:50
  Speaker 2: while since I've seen those, but they're starting to come
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  Speaker 2: back in vogue.
• 5:54
  Speaker 4: They are. Yeah, So again, the certificates are just something
• 5:58
  Speaker 4: that are another they're good tools. So once you get
• 6:01
  Speaker 4: that minimum of five hundred saved up, you can transfer
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  Speaker 4: it into a certificate and earn a higher yield than
• 6:07
  Speaker 4: what you're getting on your acts, your savings. That gives
• 6:10
  Speaker 4: you a little more cash access. And again it's only
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  Speaker 4: a minimum of five hundred dollars to open, and we
• 6:16
  Speaker 4: have terms as low as five months, so you're not
• 6:18
  Speaker 4: locking yourself into a long term. You can do lower terms.
• 6:22
  Speaker 4: So if you say, hey, you know, I've got money
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  Speaker 4: that I'm getting from my bonus now and I actually
• 6:28
  Speaker 4: want to use that today for Christmas, put it in
• 6:30
  Speaker 4: a CD or certificate, earn a little extra and use
• 6:32
  Speaker 4: it in a short term or you can go up
• 6:35
  Speaker 4: as long as five years.
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  Speaker 2: It kind of helps you with your financial discipline, doesn't it.
• 6:40
  Speaker 2: My goodness, there are some folks that boy dollar got
• 6:43
  Speaker 2: to spend it, because let's try to save it a
• 6:47
  Speaker 2: little bit. You will need it now. When we talk
• 6:51
  Speaker 2: about credit cards in kits, sometimes that works. Sometimes it's necessary.
• 7:00
  Speaker 2: Tell us a little bit about the green light debit cards.
• 7:03
  Speaker 3: So the green Light debit card is free for any
• 7:06
  Speaker 3: of our Truity members. It does come with like oh sorry,
• 7:11
  Speaker 3: financial educational services for children.
• 7:13
  Speaker 2: Nice.
• 7:13
  Speaker 3: I mean I even have one for my own son
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  Speaker 3: who's thirteen. It really encourages him to do.
• 7:18
  Speaker 2: You have kids here and I'm sitting there not buying this.
• 7:20
  Speaker 2: I thenk you're making it up, but go ahead.
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  Speaker 3: Really encourages him to do things around the house. Yeah,
• 7:24
  Speaker 3: to save his money. And then he can also see
• 7:26
  Speaker 3: where it's spent. You can put it into a specific
• 7:31
  Speaker 3: like it can be spent or it needs to be saved,
• 7:34
  Speaker 3: things like that.
• 7:35
  Speaker 2: And I understand that Trudy's been working with some what
• 7:38
  Speaker 2: high school juniors. It just kind of kicked off here. Yeah,
• 7:41
  Speaker 2: a little financial schooling. Yes the way is it like
• 7:45
  Speaker 2: financial literacy or something like that, or just kind of
• 7:48
  Speaker 2: a waiting work your way around the navigating the banking things.
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  Speaker 3: Yeah, and just kind of gives them a little bit
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  Speaker 3: of education and a jump start on how that looks.
• 7:58
  Speaker 2: Oh good, yeah good. You know all I got was
• 8:02
  Speaker 2: all of a sudden, you're gonna have a checking account soon.
• 8:06
  Speaker 2: What's that? Uh? Yeah, just remember don't spend more than
• 8:10
  Speaker 2: what's in it uh oh okay, and they had to
• 8:14
  Speaker 2: go to the bank and after that, you know, I
• 8:18
  Speaker 2: had to have it explained to me again. But anyway,
• 8:22
  Speaker 2: it was a folks just didn't talk about money very
• 8:25
  Speaker 2: much in prior generations. Yes, it just wasn't one of
• 8:29
  Speaker 2: those things that they brought up much. They figured that
• 8:32
  Speaker 2: they figured it out, you'll figure it out and you'll
• 8:34
  Speaker 2: be fine. Well, of course you're taking over the family business,
• 8:37
  Speaker 2: that would be another story. And they wanted you to
• 8:40
  Speaker 2: do it the same way great grandfather did it, yes,
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  Speaker 2: and that sometimes has its perils. So this is really
• 8:48
  Speaker 2: good that we have education involved with this for the youngsters. Plus,
• 8:53
  Speaker 2: you know, as a full grown adult, you can always
• 8:55
  Speaker 2: learn something new every day. You have this wonderful website
• 8:59
  Speaker 2: that is full of inver Can I say, from a
• 9:01
  Speaker 2: guy's vantage point of being sixty six years of age,
• 9:06
  Speaker 2: I can navigate it, I can serve it, I can
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  Speaker 2: catch a wave. It is really easy to get around
• 9:12
  Speaker 2: on and it's really easy to find the information that
• 9:16
  Speaker 2: I need. And you've got one of those chatterbox people
• 9:20
  Speaker 2: in there. I don't know how they fit, but they
• 9:24
  Speaker 2: I'm kidding, I'm easy, but they can really get you
• 9:28
  Speaker 2: going to the right place answer your questions. If they can't,
• 9:32
  Speaker 2: they'll find somebody who will, and you'll be hearing from
• 9:35
  Speaker 2: them actually pretty quick. Yes, that's amazing.
• 9:39
  Speaker 4: Yeah, we're always looking for trying to meet our members
• 9:42
  Speaker 4: of how they want to be served. And so we
• 9:45
  Speaker 4: understand that it's not realistic for all of our members
• 9:48
  Speaker 4: to have to call or come into a branch. And
• 9:50
  Speaker 4: so whether you're sending a message to your digital banking,
• 9:53
  Speaker 4: are you video chatting us? You know, there's some aspects
• 9:56
  Speaker 4: that we can Textah, So over the last several years
• 10:00
  Speaker 4: we've really focused on that and tried to expand in
• 10:03
  Speaker 4: meeting our members where they're at and how they want
• 10:05
  Speaker 4: to be served.
• 10:05
  Speaker 2: You know, it is amazing. I'm going back to watching
• 10:10
  Speaker 2: how my parents say they would get all kind of
• 10:12
  Speaker 2: dressed up a little bit to go take care of
• 10:15
  Speaker 2: the financial stuff going into town as they said they
• 10:17
  Speaker 2: were farmers and what have you. And now in my
• 10:22
  Speaker 2: modern day, many many years fast forward, I'm in a hurry.
• 10:29
  Speaker 2: I don't know how they relaxed so much. I really
• 10:31
  Speaker 2: kind of would like to know how that happened. But
• 10:35
  Speaker 2: it's got go, go, go, go go, And with this
• 10:38
  Speaker 2: instant access in this instant communication, I get I get
• 10:43
  Speaker 2: the little things answered. I don't have to worry about
• 10:46
  Speaker 2: making an appointment, going down to meet somebody who might
• 10:49
  Speaker 2: have a few more degrees on me than I have
• 10:52
  Speaker 2: and maybe talking over my head like you say, you're
• 10:54
  Speaker 2: meeting folks right where they are. This is this is
• 10:57
  Speaker 2: really good. Yeah.
• 10:59
  Speaker 4: Yeah, again, we always want to be part of the community.
• 11:03
  Speaker 4: You know, members first, and so that's who we are
• 11:06
  Speaker 4: as Credit Union. That is our motto, that's what we
• 11:08
  Speaker 4: live by every day. So our members are always at
• 11:12
  Speaker 4: the end of what are we doing and why are
• 11:14
  Speaker 4: we doing it?
• 11:15
  Speaker 2: And our community is growing broke ground over there and
• 11:19
  Speaker 2: Pahusca just a couple of weeks ago, right, Yes, yes,
• 11:22
  Speaker 2: that's gonna.
• 11:22
  Speaker 4: Be cool, super exciting.
• 11:24
  Speaker 2: And yeah, ideas being in a new community.
• 11:27
  Speaker 4: Yeah, we also launched the Pahasca Spirit Card for your
• 11:30
  Speaker 4: debit card. So now you know, as far as those
• 11:32
  Speaker 4: Spirit card goes, we've got Bruin, Dewey and Pasca and
• 11:37
  Speaker 4: so you know, whether it's the parents like myself that
• 11:40
  Speaker 4: are excited to have it or the kids themselves. But again,
• 11:44
  Speaker 4: every time you use that card, we donate to who's
• 11:47
  Speaker 4: on the front of it. So Pahasca, you know, we're
• 11:49
  Speaker 4: getting ready to open the branch. We've already got their
• 11:51
  Speaker 4: spait card going, so they're gonna start, you know, getting
• 11:54
  Speaker 4: some donations from us as their community gets the card
• 11:58
  Speaker 4: and uses it.
• 11:59
  Speaker 2: I can vouch for this because every now and then
• 12:01
  Speaker 2: when it covered school board meetings, I see Sarah Freeman
• 12:04
  Speaker 2: with this like eight foot check come walking in the
• 12:07
  Speaker 2: door ending it over to the Bartlefield school Board. And
• 12:12
  Speaker 2: that does happen, and it's a pretty good amount. It
• 12:15
  Speaker 2: took a whole six foot check to put the dollars
• 12:17
  Speaker 2: on there, but it really works out well for everyone
• 12:21
  Speaker 2: who's involved in this. I think it's really cool. Also,
• 12:26
  Speaker 2: you were talking about the other technology. You got this
• 12:29
  Speaker 2: pretty cool thing.
• 12:30
  Speaker 3: Up in Dewey.
• 12:32
  Speaker 2: Yes, IDM, what's different.
• 12:35
  Speaker 3: What's an I I TM is going to be an
• 12:37
  Speaker 3: interactive teller machine. With our ITMS, it will give you
• 12:41
  Speaker 3: access to be able to pay on your loans, make deposits,
• 12:45
  Speaker 3: make cash withdrawals. You can also elect to speak to
• 12:49
  Speaker 3: a live teller who you can speak with. It's another
• 12:53
  Speaker 3: person through to talk you through any transactions anything like that,
• 12:59
  Speaker 3: any kind of loan issh choose. They're there to help.
• 13:02
  Speaker 2: My goodness sakes, and of course say you're up in
• 13:04
  Speaker 2: Kansas now too.
• 13:05
  Speaker 4: Yeah, we've had a long steaning presence in Lawrence and
• 13:08
  Speaker 4: we're continuing to look for growth opportunities in that market
• 13:10
  Speaker 4: as well. So you'll see if you follow us on Facebook,
• 13:13
  Speaker 4: you'll see, you know, all of our new branch openings
• 13:17
  Speaker 4: and what we're doing up there as well.
• 13:18
  Speaker 2: It's been a fantastic journey. This started with just some
• 13:21
  Speaker 2: ladies who worked for pill Up sixty six trying to
• 13:24
  Speaker 2: figure out a way to you know, save money, how
• 13:27
  Speaker 2: to circulate it when needed. And next thing, you know,
• 13:30
  Speaker 2: a credit union was born. Yeah, that's amazing. That is
• 13:34
  Speaker 2: absolutely amazing, and it's right here in our hometown now.
• 13:38
  Speaker 2: I like going to the downtown branch. You wanted to
• 13:40
  Speaker 2: white because I always missed something on the mural. I'm like,
• 13:44
  Speaker 2: I didn't see that before. Plus the people are really
• 13:47
  Speaker 2: nice too. Yeah, and you've got so many folks. If
• 13:50
  Speaker 2: the tailor can't answer your question, they'll direct you to
• 13:52
  Speaker 2: someone real quick. And you're not going to be killing
• 13:55
  Speaker 2: an afternoon. I'm telling you. You know, you might ten minutes,
• 13:58
  Speaker 2: maybe fifteen on what your question is. At the most
• 14:03
  Speaker 2: in my case. Anyway, You're you're not gonna be stuck
• 14:06
  Speaker 2: there all day going good. They're gonna go good. They're
• 14:09
  Speaker 2: gonna bring me a ticket for parking too long, and
• 14:12
  Speaker 2: you're not gonna have to worry about that. Then you
• 14:14
  Speaker 2: got the other beautiful branch, the nice new art I
• 14:18
  Speaker 2: call it the new Art down there on Southwest Washington.
• 14:22
  Speaker 2: That's that's that's something that'll take your take your eyes
• 14:25
  Speaker 2: off the road for a moment. Hey, what's that? And
• 14:30
  Speaker 2: and it's always great to have you in our neighborhood
• 14:33
  Speaker 2: right here. It's community, baby, and that's all it is. Truity,
• 14:37
  Speaker 2: a better way to bank. I want to thank you
• 14:40
  Speaker 2: both for being here today. Thank you folks you've been
• 14:44
  Speaker 2: watching and listening to are one on one with the
• 14:46
  Speaker 2: pro right here on Kay one, the one you trust.
• 14:52
  Speaker 2: Thanks for listening to one on one with a professional.
• 14:55
  Speaker 2: A paid presentation of fourteen hundred K one