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NEW FEATURES COMING Soon TO ONLINE BANKING Have you ever panicked when you couldn’t find your debit card? Reached for your wallet and realized it wasn’t there? Or left your card with someone ‘reliable’ only to never see it again? Soon, you’ll have the power to manage your ORNL FCU debit card 24/7 at the touch of your fingertips.

Online Banking is being redesigned and one of the many new features will include debit card management services for members. You will soon have the power to turn a debit card on/off as well as report it lost/stolen!

More information about the new Online Banking platform and all the added features coming soon!

Page 2 ............ Financial Literacy

Month, Fee-Free ATM Network

Page 3: ................Dogwood Arts

Information,

Calendar of Events

Page 4: .......................... TurboTax,

Love Your Savings,

Holiday Closings & Events

Vol 51, No 2 Second Quarter, 2016

New Oak Ridge Branch Now Open

THRIVING THROUGH GROWTHMember surveys and focus groups have told us that our facilities need to be updated, and we couldn’t agree more. Our goal is to provide the best banking experience across all channels and to do so, we must adapt to changing consumer needs and behaviors. We invite you to visit our brand new Oak Ridge Branch (215 S. Rutgers Avenue) and remodeled West Knoxville Branch (8721 Kingston Pike) to see how we’re updating our branches to deliver enhanced member value. Several other locations will also be remodeled this year, including the Oak Ridge Corporate Headquarters, Clinton Branch, Kingston Branch, and North Branch.

These renovations are part of our ongoing larger facilities plan to accommodate the Credit Union’s future growth needs, consolidate back office operations, and cut leasing expenses. The updates embody the brand image of the Credit Union and will provide members with convenience, access to emerging technologies, and a great user experience. Plus, they will offer high-efficiency, forward-looking work environments.

A MESSAGE FROM THE BOARD CHAIRIn 2015, ORNL FCU made significant progress on many strategic goals and initiatives, all designed to provide value to members at the intersection of technology, convenience, and experience. Our Credit Union remains financially strong and well positioned to support future growth.

On behalf of your Board of Directors, thank you for making ORNL FCU your financial partner. We look forward to a thriving 2016!

Marcy Catron ORNL FCU, Board Chair

UPDATEUPDATEUPDATEUPDATEUPDATEQ U A R T E R L Y M E M B E R N E W S L E T T E R

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It’s very important to us that you benefit from the power of credit union membership. Did you know that right now, you have access to almost 30,000 Fee-Free ATMs across the country? Because credit unions work together to add value to members and reduce fees, you can make fee-free withdrawals at all participating Co-Op and Easy Street machines. Don’t forget to look for the Co-Op and Easy Street signs!

Financial literacy is understanding how money works through knowledge and skill in order to be financially

well-rounded. It is much more than balancing a checkbook or comparing prices of a product. It also includes more extensive skills like long-term vision and planning, money discipline, etc. As society evolves it is important to stay up-to-date with financial best practices.

Here are 5 Ways to Grow Your Financial Literacy*:

1. USE U.S. GOVERNMENT RESOURCES Mymoney.gov is a great place to learn the basics of financial education. They offer advice about buying a home, investing in a 401(k), and so much more!

2. Read Newspapers and Magazines Start with your local and regional newspaper finance and business sections. In addition, the Wall Street Journal and The Financial Times will shed light on domestic and global finances and business. Look into magazines like Fortune, Forbes, and Money for more materials.

3. Take a Financial Literacy Class You can find financial classes at a local adult education center or a junior college. Classes are also available

online. Self-help books are another great way to teach yourself about personal money management.

4. Listen to Talk Radio There are a number of radio shows that offer financial advice. You can learn from callers’ questions and financial problems. Some financial radio shows include: The Dave Ramsey Show, Moneytalk with Bob Brinker, and The Clark Howard Show.

5. Watch Financial TV Offerings Many television programs offer financial information. CNBC TV, Nightly Business Report, CNN, and Fox Business News are a few television channels that offer well-known financial programming.

It is great to diversify your information supply. Expert advice is very helpful. It is important to always consider the source of the information you are receiving. Knowing yourself and your financial needs will help you determine who you should and should not trust for financial information.

As always, ORNL FCU is thrilled to help with any financial questions. Information is knowledge, and we are here to assist you with anything that comes your way!

April is financial literacy month

FEE-FREE ATM NETWORKS

*Source: AllBusiness.com

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Art in Public Places

April 1–March 10, 2017 A world-class

visual arts exhibition of large-scale

sculptures which enliven downtown

Knoxville, the McGhee Tyson Airport,

and Oak Ridge.

Regional Fine Art Exhibition

April 1–29 A dynamic survey of

diverse art from emergent and

professional artists from a seven state

region. Emporium Center for the Arts

A Very Special Arts Festival

April 6 A no-limits celebration

of visual and performing arts by

exceptional children. West High

School

SYNERGY: Student Art & East

Tennessee Art Educator Exhibitions

April 7–22 Exhibitions featuring the

creative work of art students of all

ages and educators representing the

public schools and private academies

of East Tennessee. Clayton Center for

the Arts

Rhythm N’ Blooms

April 8–10 With stages set exclusively

in Knoxville’s historic Old City, Rhythm

N’ Blooms showcases the best of

roots music. Plus, the hottest up-and-

comers ranging from your favorite

indie rockers to iconic Americana acts

to soul, and hip-hop.

Bikes & Blooms

April 9 & 10 Behold the colorful

displays of our native dogwoods from

your bicycle seat on these scenic,

guided bike rides through Knoxville.

Chalk Walk

April 9 Sidewalks throughout Market

Square and Krutch Park become

the canvas for artists of all ages and

experience.

Dogwood Trails, Open Gardens, and

Camera Sites

April 15–May 1 Explore more than

60 miles of trails, open gardens, and

camera sites as you enjoy a walk,

bike, or drive. Holston Hills is the 2016

Featured Trail.

Artitude

April 15 A celebration of art, courage,

and survivorship benefiting the Cancer

Support Community and Dogwood

Arts. Cherokee Mills

Dogwood Art DeTour

April 16 & 17 Get a glimpse into the

creative process as local artists invite

you into their working studios.

Hikes & Blooms

April 23 & 24 Whether on a greenway

through a historic park or on a natural

trail through the woods, you will

observe historic relics and beautiful

wildflowers among the dogwood trees

on these easy, three-mile hikes.

Dogwood Arts Featured Gardens

April 23 & 24 Select homes with

distinguished and remarkable gardens

open their grounds to the public for a

short time only.

Dogwood Arts Festival

April 29–May 1 A lively street fair

showcasing the juried artwork of

local and national artisans. Live

entertainment around every corner,

from street performers to three

entertainment stages plus culinary arts

demos and tastings. Market Square

and Krutch Park

Art Slam

April 30 Experience a live art

competition and silent auction

showcasing Knoxville’s up and coming

artists at the Dogwood Arts Festival.

Walking Trails

Open Daily, Dawn to Dusk Walking

trails are at least one-mile in length

and we encourage the community to

walk, run, or bike these trails.

CELEBRATE OUR REGION’S ART, CULTURE, AND NATURAL BEAUTY!Since 1961, Dogwood Arts has celebrated the natural and

cultural beauty of East Tennessee by producing dynamic events

featuring blooming gardens and trails, visual arts, music, crafts,

theater, culinary arts, dance, film, and literary arts. In 2016,

Dogwood Arts will be featuring the Holston Hills Dogwood

Trail. Invite your family and friends to join you in this spring

celebration presented by ORNL Federal Credit Union. There’s

something for everyone!

Dogwood Arts is a 501(c)3 organization with a mission to

promote and celebrate the region’s art, culture, and natural

beauty. Most of Dogwood Arts’ wide range of arts events,

performances, and exhibitions are offered to the public free

of charge.

For a complete calendar of events and ticket information,

visit dogwoodarts.com or call 865.637.4561.

CALENDAR OF EVENTS

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DIRECTORSMarcy Catron, Chair

Randy Gorman, Vice Chair

Jama Hill, Treasurer

Joel Pearman

Leigha Edwards

Harvey Gray

Sam McKenzie

James Payne

Debbie Stairs

SUPERVISORY COMMITTEEDavid Watkins, Chair

Gerald Smith, Vice Chair

Mary Beth Blair, Secretary

Vickie Caughron

Mary Kiser

Officials

UPDATE is published quarterly by ORNL Federal Credit Union as an information service to its members. Questions, comments, and suggestions should be sent to:

ORNL Federal Credit Union UPDATE, P.O. Box 365, Oak Ridge, TN 37831.

TELEPHONE: 865.688.9555*

OR TOLL-FREE: 800.676.5328*All locations except Madisonville,

Morristown, and LaFollette

ONLINE BANKING

ORNLFCU.COM

FRIDAY, APRIL 8TH – SUNDAY, APRIL 10TH Dogwood Arts Rhythm N’ BloomsDetails on page 3

SATURDAY, APRIL 9TH Dogwood Arts Chalk Walk Details on Page 3

FRIDAY, APRIL 29TH – SUNDAY, MAY 1ST Dogwood Arts Festival Details on Page 3

SATURDAY, MAY 7TH 9AM–12PM

Shred Day West Knoxville Branch (8721 Kingston Pike)Oak Ridge Branch (215 S. Rutgers Ave.)

MONDAY, MAY 30TH Memorial Day All offices closed

MONDAY, JULY 4TH Independence Day All offices closed

HOLIDAY CLOSINGS& EVENTS

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LOVE MY SAVINGS

Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

Federally insured by NCUA.National Credit Union Administration, a U.S. Government Agency

This year, file your taxes the smarter way, and get your biggest possible refund—guaranteed. TurboTax® guides you every step of the way. Plus, ORNL FCU members can save up to $15 on TurboTax federal products.

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