When: Thursday, April 25, 2013 7:00 p.m.

Where: The Freighthouse Restaurant - 107 Vine St  La Crosse

Join us for refreshments beginning at 6:00 p.m.

Reminder of Voting Requirements

The privilege to vote at our annual meeting is limited to:

*Primary Members Only

*Members in good standing

*Members whose accounts were open at least 3 months prior to the meeting date

*Members who are at least 18 years old

*Business Accounts may authorize only one person to vote

Annual Election

Any member interested in becoming a Director should contact Bruce Zmolek at (608)784-9480 ext 211. The elections are held at our April 25^th annual meeting.

Account number. May show an account or other unique number the payer assigned to distinguish your account.

Box 1. Shows taxable interest paid to you during the calendar year by the payer. This does not include interest shown in box 3. May also show the total amount of the credits from clean renewable energy bonds, qualified forestry conservation bonds, new clean renewable energy bonds, qualified energy conservation bonds, qualified zone academy bonds, qualified school construction bonds, and build America bonds that must be included in your interest income. These amounts were treated as paid to you during 2012 on the credit allowance dates (March 15, June 15, September 15, and December 15). For more information, see Form 8912, Credit to Holders of Tax Credit Bonds.

Box 2. Shows interest or principal forfeited because of early withdrawal of time savings. You may deduct this amount to figure your adjusted gross income on your income tax return. See the instructions for Form 1040 to see where to take the deduction.

Box 3. Shows interest on U.S. Savings Bonds, Treasury bills, Treasury bonds, and Treasury notes. This may or may not all be taxable. See Pub. 550. This interest is exempt from state and local income taxes. This interest is not included in box 1.

Box 4. Shows backup withholding. Generally, a payer must backup withhold if you did not furnish your taxpayer identification number (TIN) or you did not furnish the correct TIN to the payer. See Form W-9. Include this amount on your income tax return as tax withheld.

Box 5. Any amount shown is your share of investment expenses of a single-class REMIC. If you file Form 1040, you may deduct these expenses on the “Other expenses” line of Schedule A (Form 1040) subject to the 2% limit. This amount is included in box 1.

Box 6. Shows foreign tax paid. You may be able to claim this tax as a deduction or a credit on your Form 1040. See your Form 1040 instructions.

Box 8. Shows tax-exempt interest paid to you during the calendar year by the payer. Report this amount on line 8b of Form 1040 or Form 1040A. This amount may be subject to backup withholding. See box 4.

Box 9. Shows tax-exempt interest subject to the alternative minimum tax. This amount is included in box 8. See the Instructions for Form 6251.

Box 10. Shows CUSIP number(s) for tax-exempt bond(s) on which tax-exempt interest was paid to you during the calendar year and reported in box 8. If blank, no CUSIP number was issued for the bond(s).

Boxes 11-13. State tax withheld reporting boxes.

Nominees. If this form includes amounts belonging to another person(s), you are considered a nominee recipient. Complete a Form 1099-INT for each of the other owners showing the income allocable to each. File Copy A of the form with the IRS. Furnish Copy B to each owner. List yourself as the “payer” and the other owner(s) as the “recipient.” File Form(s) 1099-INT with Form 1096 with the Internal Revenue Service Center for your area. On Form 1096 list yourself as the “filer.” A husband or wife is not required to file a nominee return to show amounts owned by the other.

Future developments. For the latest information about developments related to Form 1099-INT and its instructions, such as legislation enacted after they were published, go to www.irs.gov/form1099int.

NCUA offers a tool kit which is designed to estimate the insurance coverage on member’s accounts. Access the tool kit at http://webapps.ncua.gov/ins/calculator.html

Firefighters Credit Union will never solicit any of your personal account information via text, email or automation. Please remember to NEVER respond to a text or email requesting your personal information, account or credit card information 

Phone Phishing Scams

Firefighters Credit Union has recently been notified of a telephone phishing scam. Some members have been reporting that they’ve received automated phone calls telling them that their debit cards are frozen and to press one. The calls have been coming from the following number: 375-843-8993. Please Do NOT respond to this request for information!

Be suspicious of any e-mail, text message or phone call with urgent requests for your personal financial information.  Do not open unsolicited e-mails or text messages. Never provide your personal information or account information based on an e-mail, phone call or text request.

Calls from someone who claims to be a Firefighters Credit Union representative and knows your debit card account number –BUT who wants the three-digit code on the back of the card for whatever reason – should be treated the same way, hang up and contact the Credit Union as soon as possible.

Please remember that Firefighters Credit Union, DOES NOT e-mail, text message or telephone our members asking for personal information such as debit card number, pin number, complete social security numbers, dates of birth, etc. For that matter, no legitimate company that you do business with solicits this information.  If you feel you have been a victim of fraud, please contact us at 608-784-9480.

Make your appointment with a mortgage loan officer today!

Contact Troy Arenz in our Onalaska Mortgage Branch at (608) 784-9480 Ext. 207 tarenz@myfirecu.org or Matt Faron in our Holmen office at (608) 784-9480 Ext. 252 mfaron@myfirecu.org