Latest / One on One With a Professional / TRUITY CREDIT UNION - Nichole McKinney

Transcript

TRUITY CREDIT UNION - Nichole McKinney · One on One With a Professional

0:04
Speaker 1: Good morning, Good morning, and welcome, welcome, welcome. Media's time
0:07
Speaker 1: now for one on one with the pro. We've got
0:09
Speaker 1: Truity Credit Union in the house today and it is
0:13
Speaker 1: always a great pleasure to have Nicole in here with us.
0:15
Speaker 1: How you doing, miss McKinney, I'm good.
0:17
Speaker 2: How are you doing well?
0:18
Speaker 1: I'm wonderful. You know, it's back to school time and
0:22
Speaker 1: Trudy's going to miss out on this opportunity to make folks,
0:26
Speaker 1: you know, during this high stress time a little easier. Yeah,
0:29
Speaker 1: so tell us what we've got for back to school
0:32
Speaker 1: with Truity Better Way to Bank.
0:35
Speaker 2: So we have a lot of things going on right now.
0:37
Speaker 3: For the last two weeks, we've actually gone to several
0:40
Speaker 3: schools and all of our markets and we've done our
0:44
Speaker 3: back to school so we've done teacher breakfasts, teacher lunches,
0:48
Speaker 3: and some of my favorite things are here in Barnasville.
0:51
Speaker 3: We actually just did our hashtag think a Teacher campaign
0:54
Speaker 3: where we took fifty dollars to every teacher in Bartisville
0:57
Speaker 3: Public Schools District and Dewey Public Schools Strict.
1:00
Speaker 1: Nice, what a way to get it. Didn't have any sweay, No,
1:04
Speaker 1: you're already out of school. I think you never mind,
1:06
Speaker 1: never mind me wayward youth. But anyway, that's a great
1:10
Speaker 1: way to start it because you know those teachers, they
1:12
Speaker 1: work hard and every little bit counts, and sometimes you know,
1:16
Speaker 1: it comes out of their own pocket to have things
1:19
Speaker 1: all ready to go for the classroom thinking they're yeah,
1:23
Speaker 1: you know you folks in truated. You never miss an
1:25
Speaker 1: opportunity to make life a little bit better for folks.
1:28
Speaker 3: And this is actually the ninth year that we've done
1:30
Speaker 3: that really, so next year it will be year number ten,
1:33
Speaker 3: so we're excited to see some maybe some new changes,
1:36
Speaker 3: some things added.
1:37
Speaker 1: Yeah, tell us about these Spirit cards. It seems like
1:40
Speaker 1: every year we're either going to get one or we
1:43
Speaker 1: do have another school that's participating.
1:46
Speaker 3: We do, so we actually just launched our PUHUSCA Public
1:49
Speaker 3: School Spirits Card, so that one is new to the lineup,
1:52
Speaker 3: so people can actually order that right now to get
1:55
Speaker 3: it mailed to them. And then we're also doing our
1:57
Speaker 3: Spirit Card promotions where you get twenty five dollars for
2:00
Speaker 3: you if you get a new Spirit card, so that's
2:02
Speaker 3: for either Bartasville, Pahaska or our Dewey Spirit Card. And
2:06
Speaker 3: then we give twenty five dollars back to the district
2:08
Speaker 3: just forgetting that card.
2:10
Speaker 1: What a way to go.
2:12
Speaker 2: Yeah, it's awesome.
2:13
Speaker 1: You get to support your school, you get to take
2:15
Speaker 1: care of business with some of the best people around,
2:17
Speaker 1: and you get a little lecture in your pocket. Dude,
2:19
Speaker 1: this is great.
2:20
Speaker 3: And every time they swipe that card, a portion of
2:22
Speaker 3: those proceeds go back to the schools too.
2:25
Speaker 1: And you can do that because you're a credit union.
2:28
Speaker 1: You're not beholding to evolks in New York City, yeah,
2:31
Speaker 1: or California. Thank goodness, it's all right here. Centrally located
2:36
Speaker 1: in Bartlesfield. You've got a couple of wonderful locations, by
2:39
Speaker 1: the way. I like going down to the downtown one
2:41
Speaker 1: because you know, suddenly you walk in there and you
2:45
Speaker 1: see that big old mural and then you got the
2:47
Speaker 1: friendly people and everything. I only see something I miss
2:50
Speaker 1: on the mural. Isn't that wild?
2:52
Speaker 3: It's Yeah, it's so nice to be able to see
2:54
Speaker 3: and experience. And our branch on seventy five also has
2:57
Speaker 3: the new it's fairly new that drive, so it makes
3:00
Speaker 3: it easier for members to get in and out. But
3:03
Speaker 3: my favorite stop right now is our Dewey IM so
3:06
Speaker 3: if you've never used one, you can do anything you
3:08
Speaker 3: could do at a taller station at our IM.
3:10
Speaker 2: So you can withdraw cash, you can deposit cash, you
3:13
Speaker 2: can deposit checks. You can even talk to a live
3:15
Speaker 2: teller too.
3:16
Speaker 1: I was going to say, that's pretty fancy, because you know,
3:20
Speaker 1: here you are, you're in Dewey taking care of business,
3:23
Speaker 1: minding your own and you're talking with somebody in the
3:26
Speaker 1: next down over and they're taking care of your banking
3:28
Speaker 1: just like you're right there. That's cool. Yeah, that is
3:31
Speaker 1: so cool. Tell us a little bit about this laptop giveaway.
3:34
Speaker 3: Yeah, so right now we're doing a giveaway for all
3:37
Speaker 3: of the college students in all of our markets. You
3:39
Speaker 3: can actually go to trudycu dot org slash win and
3:43
Speaker 3: you can enter to win. We're giving away a MacBook.
3:46
Speaker 1: Now, let's go over that U r L again. What's
3:49
Speaker 1: the web address.
3:50
Speaker 3: Trudy seu dot org slash win.
3:54
Speaker 2: That's easy, super easy. Yes.
3:56
Speaker 1: I had to ask Twicke because it sounded so easy
3:58
Speaker 1: to be I can do that.
4:00
Speaker 2: Yep, even you can do it.
4:03
Speaker 1: I do want to fay thank you to the folks
4:05
Speaker 1: who put together your website because there's always it seems
4:08
Speaker 1: to me something new whenever I check in online, and
4:12
Speaker 1: I check in online often, you know, to check my
4:15
Speaker 1: savings account, see how I'm doing on paying off a car,
4:20
Speaker 1: and seeing what kind of neat things I'm eligible to do. Yeah,
4:24
Speaker 1: because they bring up all this information that I really
4:28
Speaker 1: up until the time I started, you know, looking at
4:31
Speaker 1: your website with that kind of interest, I didn't know
4:33
Speaker 1: was available. You've got all kinds of perks and extras
4:36
Speaker 1: and just interesting things, Yeah, that you're able to do
4:40
Speaker 1: simply by being a member of a credit union. Yeah.
4:44
Speaker 3: One of the cool things that we're actually offering right
4:46
Speaker 3: now is a five month CD at four point three
4:48
Speaker 3: five percent.
4:50
Speaker 2: So that's a really great rate for a CD.
4:52
Speaker 1: It sure is. And once again, you know these things
4:56
Speaker 1: I remember back in the seventies and eight those were
5:00
Speaker 1: a big deal and then they kind of got people
5:04
Speaker 1: got quiet about it for a while, and now they're
5:06
Speaker 1: they're back in vogue and people are using him. It's
5:08
Speaker 1: a it's a very good financial tool, good instrument to
5:12
Speaker 1: get yourself acquainted with. And of course, uh, it's not
5:17
Speaker 1: like you walk in and say, how what what was
5:20
Speaker 1: that CD? Well, you've got people who will explain that
5:23
Speaker 1: to you. And if you just get online, you got
5:26
Speaker 1: to chat person, which is a real person. It's a
5:30
Speaker 1: person that will talk with you. You can pick up
5:32
Speaker 1: the phone or you can just go up there in person.
5:34
Speaker 1: Because you know that works pretty well in our community.
5:37
Speaker 1: I think a lot of people prefer that to see
5:39
Speaker 1: who they're talking to. It does, and you get that
5:43
Speaker 1: one to one service and it's really appreciated. So you've
5:47
Speaker 1: got that going for you too. Another thing is is
5:50
Speaker 1: that there's this thing called an app. It's wonderful.
5:57
Speaker 2: It is.
5:57
Speaker 1: I used to be afraid of those things because I
6:00
Speaker 1: didn't know really what they were. I wouldn't say afraid.
6:03
Speaker 1: I was skeptical. And now I can't imagine doing my
6:09
Speaker 1: work with Truity today without it, and I wonder how
6:12
Speaker 1: I got by without it well.
6:14
Speaker 3: And our app is very user friendly and easy to use.
6:18
Speaker 3: One of my favorite features is you can deposit a
6:20
Speaker 3: check just from your phone, so you can do anything
6:23
Speaker 3: you can in a branch online.
6:26
Speaker 1: And it's safe and secure. And you've got people even
6:30
Speaker 1: at the at the top desk, who know a lot
6:32
Speaker 1: about this cybersecurity stuff. Yes, and that is that is
6:37
Speaker 1: primo and that makes a lot of people rest very
6:40
Speaker 1: comfortably because there are so many people involved who do
6:44
Speaker 1: know about this and how many different layers of protection
6:47
Speaker 1: that you actually have when you when you do your
6:50
Speaker 1: business with Truity A better way to bang so really cool.
6:56
Speaker 1: One other thing is that you can ask questions about
6:59
Speaker 1: whether or not you're eligible for a home loan or
7:01
Speaker 1: a car loan and see if you're in the ballpark online.
7:04
Speaker 1: You don't have to, you know, really work up the
7:07
Speaker 1: courage to say you're kind of feeling your way through
7:12
Speaker 1: there and you're thinking, maybe a car purchase will be
7:15
Speaker 1: in my future. Yeah, my goodness sakes, we got another
7:18
Speaker 1: kid on the way, or we're going to we need
7:20
Speaker 1: more bedrooms. What are we going to do? And you
7:24
Speaker 1: can actually go to the website and kind of feel
7:27
Speaker 1: your way around there to put yourself in the ballpark
7:29
Speaker 1: in the arena and see what it's going to do
7:32
Speaker 1: for you.
7:33
Speaker 3: Yeah, we have calculators on our website so you can
7:35
Speaker 3: see what you can.
7:36
Speaker 2: Afford and what you can do, and then if.
7:39
Speaker 3: You feel like you're able to afford it, you can
7:41
Speaker 3: actually go ahead and submit your applications online, which makes
7:44
Speaker 3: it easier.
7:45
Speaker 2: That way, you can have it instantly, and you also
7:49
Speaker 2: can you.
7:50
Speaker 1: Know, be prepared mentally as well as you know intellectually
7:54
Speaker 1: what's going on there too. Really amazing. You kids are
7:58
Speaker 1: also paintsy yet still down to earth in that home.
8:02
Speaker 1: Now we have branches not only here in Bartlesville, but Lawrence, Kansas.
8:08
Speaker 3: Yes, we have branches and Lawrence it's a Latha. And
8:11
Speaker 3: then we have some in our Houston market too. They're
8:13
Speaker 3: in Phillips sixty six and Conico Phillips.
8:16
Speaker 1: Well, I goodness sake, she got it all right there. Yeah,
8:18
Speaker 1: how do you like that? How long have you been
8:21
Speaker 1: with Truity?
8:22
Speaker 2: It will be ten years in January.
8:24
Speaker 1: Well, you're not old enough to be ten years anywhere,
8:27
Speaker 1: but I'll take your word for it.
8:28
Speaker 2: Yeah.
8:29
Speaker 1: And did you start out to where you are as
8:31
Speaker 1: a business development officer? Start out something else?
8:35
Speaker 3: I started out as a teller coordinator, So I was
8:37
Speaker 3: in retail for about a year and then I've been
8:39
Speaker 3: in business development ever since.
8:40
Speaker 1: Wow. Nice, Yeah, my goodness. I understand that there are
8:45
Speaker 1: all kinds of opportunities for those who may be seeking
8:48
Speaker 1: employment with Trudy. Once again is go to the website
8:51
Speaker 1: and that is Truity SeeU dot org.
8:54
Speaker 3: Yes we are hiring, so take a look at our
8:57
Speaker 3: website to see what is available.
9:00
Speaker 1: And everywhere I go in the community, I see somebody
9:03
Speaker 1: that either hands a Truity pullover or a pull Over
9:07
Speaker 1: shirt or even a little badge. Whether I'm at one
9:11
Speaker 1: of the events at the schools or maybe it's a
9:16
Speaker 1: nonprofit having a fundraiser or a big fun event, is
9:19
Speaker 1: always from somebody from Truity who's in the mix. And
9:23
Speaker 1: it's good to see that.
9:25
Speaker 3: Yes, we're big community partners and we want to volunteer.
9:29
Speaker 3: We want to support the communities that we serve, and
9:32
Speaker 3: so it's very important to us as Truity employees and
9:35
Speaker 3: to the company to be involved and to be present.
9:38
Speaker 3: And I know as a parent, I love seeing that.
9:41
Speaker 3: I love seeing people who support my kids as schools
9:43
Speaker 3: and everything that they do too.
9:45
Speaker 1: Let's get back to the Spirit cards. So these are
9:48
Speaker 1: like debit cards, not like they are debit cards, but
9:51
Speaker 1: it also has your school logo on there. And how
9:54
Speaker 1: does one go about procuring one of these nice little things.
9:59
Speaker 3: They can actually go into any of our branches and
10:02
Speaker 3: get one instantly printed. The only one right now that
10:04
Speaker 3: we cannot is the PUSCA card because it's so new.
10:07
Speaker 3: But if you have a student who goes to Try
10:10
Speaker 3: County Tech, or you're a teacher, you can also get
10:12
Speaker 3: our Tri County Tech Spirit Card, our Bruined Spirit Card,
10:15
Speaker 3: our Dewey Spirit Card, and then our PUSCA one we
10:18
Speaker 3: can have mailed to you.
10:19
Speaker 1: Nice that easy. Yeah, I didn't see you know. Nicole
10:23
Speaker 1: comes in here and she just takes all the complication
10:25
Speaker 1: right out of things, just puts it right out there
10:29
Speaker 1: for you. I like that. Now, when we talk about
10:31
Speaker 1: business development, we're talking about basically you and me. We're
10:36
Speaker 1: talking about people who may not have ever thought of
10:40
Speaker 1: what a credit union is, let alone what a credit
10:42
Speaker 1: union does and how beneficial it is to someone. So
10:45
Speaker 1: I'm going to ask you, put you on the spot. Okay,
10:48
Speaker 1: First of all, what's the difference between a credit union
10:50
Speaker 1: and a bank?
10:52
Speaker 3: Say so, I actually love this question. But a credit
10:55
Speaker 3: union is a not for profit and banks are for profit.
10:59
Speaker 3: But really, our credit and motto is people helping people.
11:01
Speaker 3: So that's why we like to serve in our communities
11:04
Speaker 3: and help our members the best way possible.
11:07
Speaker 1: And when you become a member, you're also a shareholder.
11:10
Speaker 2: You are, Yeah, you're part owner hot diggity.
11:14
Speaker 1: Yeah, it works that.
11:15
Speaker 2: Way, huh, it does. It's that easy.
11:18
Speaker 1: And sometimes when it comes to scouring for rates, not
11:22
Speaker 1: only are you competitive, but you're also able to meet
11:25
Speaker 1: other offers in many cases because of your business model.
11:29
Speaker 3: Yes, because credit unions operate. When people open their accounts there,
11:33
Speaker 3: we use that money to make lower rates for our members,
11:37
Speaker 3: So we're not investing back to shareholders, we're investing back
11:40
Speaker 3: into our members.
11:41
Speaker 1: That easy, truly, as they say, a better way to
11:45
Speaker 1: bank now at the big office downtown. Some folks will
11:51
Speaker 1: see that and they'll say, oh my gosh, I thinks huge,
11:53
Speaker 1: that's gargantuan. Oh my gosh, I'm a little don't be
11:56
Speaker 1: overwhelmed going and it's a really kind of it's beautiful,
11:59
Speaker 1: but not only that, very friendly people. Your first encounter
12:04
Speaker 1: will likely be someone at the teller, and sometimes you
12:09
Speaker 1: might have a question. They can direct you to someone
12:12
Speaker 1: who's usually right there, probably just off to the left
12:17
Speaker 1: in one of the little kiosk offices. They can really
12:20
Speaker 1: sit down with you and explain your situation to you
12:25
Speaker 1: and let you know what kind of opportunities you may
12:28
Speaker 1: or may not have. And also there are plenty of
12:31
Speaker 1: people upstairs that are really smart and they can really
12:35
Speaker 1: take you a long way when it comes to I
12:37
Speaker 1: don't know, maybe a home loan, car loan, maybe trying
12:41
Speaker 1: to set up something for savings for the future for
12:44
Speaker 1: you and your family. So it's not like your a
12:48
Speaker 1: one trick pony. You've got a whole lot of different
12:52
Speaker 1: instruments and different avenues for people to save and perhaps spend. Yes,
12:58
Speaker 1: we do in the city is really something else. Right now,
13:03
Speaker 1: it's nine at fifty six and we're speaking with Nicole
13:07
Speaker 1: McKinney and she's built a business developer officer here at
13:12
Speaker 1: credit at Truity Credit Union. So again with the back
13:16
Speaker 1: to school, we've got the Spirit cards and the laptop giveaway.
13:21
Speaker 1: Is this just for college students?
13:23
Speaker 2: The laptop giveaway is just for college students.
13:25
Speaker 1: Yes, got to show your college ID.
13:29
Speaker 3: Yes.
13:31
Speaker 1: Now if you if you're a college student is a
13:34
Speaker 1: little bit older than the traditional college student. As long
13:37
Speaker 1: as you got that college idea, you're you're in business.
13:39
Speaker 2: As long as you're enrolled in college, you can enter
13:41
Speaker 2: to win.
13:42
Speaker 1: There you go. And that's a great way to introduce
13:44
Speaker 1: folks to your products. It really is. And also with
13:48
Speaker 1: the Spirit Cards, too. It makes it kind of fun.
13:51
Speaker 1: Now you your mom, you got kids and they're in school.
13:55
Speaker 2: Right, yes, both of them are.
13:57
Speaker 1: Oh my goodness, so I know how this. I had seven,
14:02
Speaker 1: they're all grown up now. Last one just graduated this
14:05
Speaker 1: past May, and I know what that's like. Suddenly you're
14:09
Speaker 1: in school and it's all about the school, and your
14:11
Speaker 1: whole life is revolving about the school. And that's the thing.
14:14
Speaker 1: You know. It just kind of makes sense to get
14:16
Speaker 1: the card because your kids are practically living there, if
14:19
Speaker 1: they're in activities and everything else like that, and it's
14:22
Speaker 1: always nice to know that. It's a nice little measure.
14:24
Speaker 1: Now I see representatives from Truity because I covered the
14:27
Speaker 1: school board meetings from time to time. Yes, every now
14:30
Speaker 1: and then. They'll come in a certain time of the
14:33
Speaker 1: year and they have this great, big six foot check
14:37
Speaker 1: that they present to the school board. And this is
14:40
Speaker 1: from the money that was used by members of Truity
14:44
Speaker 1: with their spirit cards. Just that penny here and a
14:47
Speaker 1: penny there. That adds up to substantial dollars for the schools.
14:52
Speaker 2: It does. It adds up to quite a bit.
14:54
Speaker 3: We actually have some funds that we need to give
14:57
Speaker 3: back to the schools.
14:58
Speaker 2: So keep an eye out for that.
15:00
Speaker 1: Will We'll keep an eye out for that. And it's
15:02
Speaker 1: always kind of funny because you know, I see some
15:04
Speaker 1: of the folks that we have here on the on
15:06
Speaker 1: the radio show, and they'll be the ones walking in
15:10
Speaker 1: that big six foot check. Yeah, whoa, Sarah, you need help.
15:18
Speaker 1: It's it's good to see. And it just doesn't happen
15:20
Speaker 1: to Bartlesville. Happens that do we Trey County Tech and
15:24
Speaker 1: soon Bosco. Yes, So coming to a school board meeting
15:28
Speaker 1: near you six foot checks from Trudy And it's all
15:32
Speaker 1: because you got the Spirit card and you showed your
15:36
Speaker 1: spirit and you use that card making transactions and every
15:41
Speaker 1: time you do that, a portion of the proceeds. Because
15:43
Speaker 1: they're not a corporation that's in it for profits, it's nonprofit.
15:47
Speaker 1: That money's got to go somewhere, so might as well
15:49
Speaker 1: go to a place where it's going to be used best.
15:51
Speaker 2: And yeah, that's that's your screen back to our school districts.
15:54
Speaker 2: That's what's most important.
15:56
Speaker 1: Very good. How do we get hold of you? We
15:58
Speaker 1: got a question, Nicole.
16:00
Speaker 3: Well, you can call in, you can email me, you
16:04
Speaker 3: can text me.
16:05
Speaker 2: Some people even find me on Facebook and so any
16:09
Speaker 2: way that they need to get a hold of us.
16:11
Speaker 1: We answer, well, that is tremendous. I want to thank
16:14
Speaker 1: you and everybody your Truity and thanks for letting you
16:19
Speaker 1: loose for a little bit. Come on down here, play
16:20
Speaker 1: on the radio a little bit. You never really place
16:22
Speaker 1: the balp business all business and all information, all information,
16:27
Speaker 1: all information. But it's great to have you on board today. Folks.
16:31
Speaker 1: Just say hi to Nicole next time you stop buying
16:33
Speaker 1: Truity A better way to bank. Thanks for listening to
16:40
Speaker 1: one on one with a professional, A paid presentation at
16:42
Speaker 1: fourteen hundred K one