INSIDE
October 2006

Consolidate Your
Financial Accounts
with Us

Cut Your Credit Card Interest Rates and Payments

Why Consolidate with a Credit Union?

Home Equity Line of Credit vs. Credit Card

Personal Checking

Financial Difficulties? We're Here to Help

Board Member Spotlight

www.flcu.org

FCU's Newest
Branch Now Open!

Visit us at Haile Market Square in Haile Plantation in Gainesville!

2785 SW 91st Street, Suite 200
(352) 377-4141
Monday-Friday
9 a.m.-6 p.m.
Saturday
9 a.m.-1 p.m.

Financial Difficulties? We're Here to Help

Maybe you were making headway on the credit card bills, but then the car needed repairs. Or you were injured and couldn't work for three months. Or perhaps energy bills simply overwhelmed your budget. Financial problems arise in a variety of ways, and they can not only ruin your budget, but sour your whole outlook, too.

Fortunately, you have someone right here at Florida Credit Union to stand by your side and help you get back on your feet financially. We offer credit counseling and education on personal financial management topics. With the help of a professional, you can analyze your budget and financial condition and explore options to resolve credit problems.You can learn how to create an effective spending plan, use credit wisely and take advantage of consumer protections that are available.

We offer credit counseling and education on personal financial management topics.

The new bankruptcy law that took effect in October 2005 recognizes that many Americans who are considering bankruptcy need financial education. In most circumstances, the law requires that people receive budget and debt counseling within six months prior to filing for bankruptcy. But the best time to deal with financial difficulties is not when you're ready to file for bankruptcy; it's as soon as you notice a problem developing.

If a pile of bills is spoiling your enjoyment of life, it's time to get help. Counseling is completely private and confidential. For more information, call (800) 284-1144.
FCU Phone Numbers
Visit us at our Web site www.flcu.org.

Call your local number
or (800) 284-1144.
Gainesville 377-4141
Lake City 755-4141
Ocala 237-8222
Starke 964-1427 		  CALL CENTER
HOURS OF OPERATION
9 a.m.-8 p.m.
Monday-Friday
9 a.m.-5 p.m.
Saturday

It's Where The Smart Money Goes.
P.O. Box 5549
Gainesville, FL 32627-5549
BOARD OF DIRECTORS:
Mr. Von Fraser, Chair
Dr. Jacquelyn Hart,Vice-Chair
Dr. Dan McKinnon,Treasurer
Dr. Barbara Buys, Secretary
Dr. Leonard Jackson, Director
Dr. John Rawls, Director		 Florida Credit Union is a state-chartered, full-service financial institution serving 42,000 members/owners. Membership is open to all residents of Alachua, Bradford, Citrus, Columbia, Gilchrist, Levy, Marion, South Clay, Suwannee and Union counties.
   This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. ©2006 Florida Credit Union.