Aspire November 2014 Holiday Closings: Endowment Fund Supports Local Organizations

Helping members make their dreams come true...
November 2014
Holiday Closings:
Closed Thanksgiving Day
Just a reminder we will be
closed on Thursday,
November 27. Enjoy a safe
and happy holiday!
Endowment Fund Supports Local Organizations
The Richard J. McGrath Endowment Fund was created in 2007 to provide small grants for
local social organizations. Applications are accepted from July 1 to August 31 each year.
This past October, more than $6,800 was donated to 18 social organizations in our branch
Dinner With Us – Chetek, WI
Benjamin’s House Emergency Shelter – Chetek, WI
Rusk County Transit Commission – Ladysmith, WI
Trinity Project: Hope With Love – Ladysmith, WI
North/Eastside Senior Coalition – Madison, WI
The River Food Pantry – Madison, WI
Milwaukee Homeless Veterans Initiative – Milwaukee, WI
The Lord’s Cupboard – Phillips, WI
St. John Lutheran Church Youth – Phillips, WI
Courtney and Beth with Junior League of
Rockford accepting the endowment check from
Greg Buhl, Rockford Branch Manager.
Society of St. Vincent de Paul – Phillips, WI
River Arts Inc. – Sauk Prairie, WI
LaGrace Hall of Hope Inc. – Galesburg, IL
Triumph Services Inc. – Galesburg, IL
Emmanuel Lutheran Church Food Pantry – Rockford, IL
Remedies Renewing Lives – Rockford, IL
Stateline Youth for Christ – Rockford, IL
Junior League of Rockford – Rockford, IL
Milestone Dental Clinic – Rockford, IL
Member vs.
A large snowstorm swept
through northern Wisconsin
one night. The next day, a large
snowdrift was left down the
center of the street outside the
Ladysmith Branch, which the
city did not have time to remove
before the branch’s drive-up
opened. A Heritage member,
on her way to the credit union
to make a deposit, tried to fight
the snowdrift – and lost. Her
vehicle become stuck atop the
snow, ... continue reading at
Barb and Sandra with LaGrace Hall of Hope Inc.
accepting endowment check from Kory Redington,
Galesburg Member Representative.
It’s a bird, it’s a plane…
It’s the Oscar Mayer Wienermobile, and it will be visiting Phillips,
WI, on November 8! The Phillips Branch was the winner of our
80th Birthday Food Fight, a friendly competition that pitted our
12 branches against each other to collect the most food items for
local food pantries. Annamarie Novak, Catawba, was chosen from
the prize entries received during our 80th Birthday Party to enjoy
a 2-hour ride, along with three guests, in the world-famous Wienermobile – a vehicle close
to our heart, since we began as the financial partner
for the employees of Oscar Mayer & Co. in 1934. Thank
you to everyone who participated in our Food Fight. We
collected nearly 600 food items companywide, to help
feed hungry families in our communities.
Cut Holiday Expenses (No Scrooge Required)
There are plenty of ways to have fun, create lasting memories, and avoid the
“Bah, humbug!” approach to the coming holiday season:
Draw names. Establish a new tradition of limiting the number of people
for whom you purchase gifts, as well as the dollar amount spent on each
gift. Chances are, other family members are in the same financial boat.
But don’t wait until mid-December to bring up the subject – the earlier,
the better, before anyone starts shopping.
Create coupons. If you ask Grandma whether she’d like another expensive
sweater or a coupon from a grandchild to make cookies together, guess
which one she’d likely choose! Handmade coupons for running errands, cooking a meal together, shoveling the sidewalk
or planting flowers are welcome treats for elderly relatives.
Give homemade items. The time you spend making the item shows how much you really care about the receiver. If
Grandpa has an old, unused pitchfork in the barn, use a staple gun to attach greenery, use a hot glue gun to attach pine
cones and decorations, then wrap a string of holiday lights around it. He’ll make sure that decoration gets used every
year! If you know how to knit, make some handmade potholders for the special cooks in your life. If your forte is baking,
give holiday tins of homemade cookies to friends, the letter carrier, your hairdresser, and newspaper deliverer.
Use natural decorations. Gather leaves, pinecones, low-hanging branches from pine trees, or other items from nature and
use them in centerpieces and mantel decorations. Tip: Place pinecones in a single layer on a cookie sheet and bake them
for 15 to 20 minutes at 200 degrees to rid them of bugs or spiders.
Wrap it creatively. Purchase a roll of inexpensive meatpacking paper from the local butcher and have young children
draw and color on the paper, which can be cut to fit any size package. Or, make your own gift wrap – there are countless
resources and ideas on the internet to get you started.
Make it memorable. Rather than trying to make and pay for an entire meal and feed the whole family, organize a potluck
that allows everyone to contribute and show off their culinary talents. Ask guests to string popcorn and cranberry chains
as decoration for the holiday tree. Bring out photos of past holiday gatherings – that’s sure to generate a lot of stories and
Finally, ask everyone to share their favorite holiday memories. Chances are, the majority of responses will be ones that don’t
involve spending any money at all. And that’s truly what the holidays are meant to be – engaging in special traditions and
creating lasting memories. No Scrooge required.
The Best Time to Buy a New Car
To put yourself in the best negotiating position, the time of month or year when
you shop for a new car really does matter. Dealerships and individual salespeople
have monthly quotas to meet. So in the last few days of a month, they’re
especially eager to make deals.
In late summer and early fall as the next year’s models are about to go on sale,
buying a leftover vehicle from the current model year can mean huge savings.
Shopping for cars, not gifts, right before Christmas – when auto showroom traffic
is light – also can produce a good deal.
It can get lonely on the sales floor of a car dealer in late December when almost
everyone is at the mall rushing to finish holiday shopping. So if you show up at
the dealership with a well-prepared plan, you may get a great deal for Christmas.
Hit the dealership any time demand is low, when few people are out and about (for example, on a rainy or snowy day) and the
dealer is most eager to negotiate, and you’ll be more likely to save compared to the shopper who negotiates when the dealer
is busy closing sales. Consider shopping after very bad weather, for instance when the roads clear just after a snowstorm.
And don’t forget a cardinal rule of car buying: plan ahead for your financing. Get a free loan pre-approval from Heritage
before you shop. Call your local Heritage branch, or apply online at
Hawkins Community Appreciation Day
We’re proud to be a part of your community! Stop by our Hawkins Branch, 625 Ellingson Ave,
on Friday, November 7, from 9 am to 5 pm for some food and giveaway!
New Artist on Display in Prairie du Sac
Originally from Indiana, Terry Doeler moved to Wisconsin where his family vacationed for many
years. He is a retired anesthesiologist who is passionate about fishing. He has spent countless
hours enjoying the sport in the Midwest and Ontario, and his love of the water is reflected by
elements of water in his landscape paintings. Terry, a self-taught artist, has been painting for
more than fifteen years. His current works are created in acrylics and showcase his newfound
interest of depicting birds on canvas. Come in and see Terry’s work at the Prairie du Sac Branch,
1170 Prairie Street, through December 31.
Our Gift to You
For Heritage’s 80th Birthday, we have a gift for you – our loyal members! Did you grab yours yet?
Our commemorative calendar is our way to thank you for 80 years of success. Featuring photos
submitted by our membership, the Heritage 2015 calendar is our way of showcasing the 12
branch communities we serve. Stop by your local branch to get yours. Supplies are limited!
Please pass the Bacon!
If Heritage’s products and unbeatable member service suit your tastes, they’re probably the best choice for your friends and relatives,
too. Introduce them to the benefits of Heritage membership, and you both could bring home the bacon! We’ll give you and your
referral $25 each when your referral opens a new membership with checking and direct deposit or a loan at Heritage!* There’s no limit
to how many referrals you can make. So please, be generous – and pass the bacon!
Refer a friend to Heritage and receive $25
when your friend opens a checking account with
direct deposit or takes out a loan of at least $5,000.
I’d like to introduce ____________________________
(name of friend)
to the benefits of membership at Heritage Credit Union!
Member Name _________________________________________
Member Address________________________________________
City________________State _______________ Zip____________
Member Phone (
for details – and more referral slips!
) ____________________
*$25 deposit will be made to your account after the first Direct Deposit occurs into referred member’s account or referred member’s loan is closed and funded. To qualify your friend
must join and open a checking account with direct deposit or take out a loan of at least $5,000 with Heritage, be 18 years or older and not have been a member within the last
12 months. Account must be opened for a minimum of 12 months. Minimum deposit of $25 is required. This ad must be presented at time of the loan application or checking account
enrollment. Subject to qualified credit. Federally insured by the NCUA. Heritage staff: GL 273300