JANUARY 2012

Setting Goals...And Reaching Them!

Achieving your dreams and creating the future you want always begins with one important first step: a goal. Whether you're looking to help your child set goals so she achieves academically or have your own financial or self-improvement goals for the New Year, there IS a science to setting and meeting them.

A 2010 study in Applied Psychology followed college students who went through a multi-step goal setting program. Those who followed it completely showed significant improvement in their grades compared to those who did not.

While New Year's resolutions are notoriously short-lived, a clear process will put any objective you've set for yourself within reach. No matter what you have in mind, you can apply these steps to whatever goals are important to you, and the whole process should take less than 90 minutes.

Take a few minutes to write about the future you'd like to achieve. It's OK to start with a vague idea, but include as many specific details as possible.
Looking at the future you've envisioned for yourself, pick 6 specific and attainable goals that could help you achieve that future.
Number your goals according to their order of importance.
Look at each goal and write a paragraph about how achieving that specific step will benefit you.
For each goal, break it into smaller more manageable steps.
Identify obstacles that may get in the way and come up for a strategy for overcoming them should you need to do so.
Write about your commitment to reaching these goals.

That's it. Sound easy? Perhaps. But by taking the step of committing your goals to paper and working through these steps, you've laid the groundwork for success.

A goal is simply a dream with a deadline....may all your dreams come true!

Skip A Loan Payment

Hold onto your Cash! This holiday season you have the option to increase your in-hand CASH by skipping a loan payment. If you have more than one loan, you may choose to skip a payment on each. So, CASH-up your Holiday this season with our Skip-A-Payment Program!

Skip payments in the months of November, December or January

Loans must be current
Home Equity Loans cannot be skipped.
$10.00 processing fee applies for each skipped payment.

Fill out the Skip A Payment form and fax or mail it to us!

NEW Online Banking Transfer Feature

The new Online Banking Transfer Feature allows transfers from your account to an unrelated account number. Today you can move funds between all the accounts listed on your statement, but if you have “yours,” “mine” and “ours” accounts or accounts set up with your children and you needed to move funds between those accounts, your only choice is to call the credit union for one of our representatives to complete the transfer for you. The new online banking transfer feature allows us to set up a link so you can complete the transfer in the Online Banking System. Fill out the OLB Transfer form (it is available from the credit union or in the documents section of the website) and fax or mail it to us. We will set up the link for you. You will be able to make those transfers when it is convenient for you!

MISSION STATEMENT: Owned and operated by its' members Wawa Employees' Credit Union is dedicated to providing personalized financial services with integrity and efficiency.

ONLINE BANKING: To sign up, read the disclosure, print the online banking form then fax or mail the form to the credit union. How much does it cost for online banking? Nothing! We are offering you this service at no cost to you. So sign up today and enjoy the benefits of instant access to your account information.

HOW DO I BECOME A MEMBER OF WAWA EMPLOYEES' CREDIT UNION? Membership is open to every Wawa Inc associate. Membership is also open to the immediate family members of Wawa Employees' Credit Union members. To join complete the membership application and mail it to the Credit Union. We need your original signature on file.

THE CREDIT UNION DIFFERENCE: Our credit union is a full service financial institution. We offer many of the same products as your local bank. But With A DIFFERENCE. The biggest difference is the fact that YOU OWN the credit union. A credit union is a non-profit financial institution run by a board of directors elected by YOU the members. Surveys show credit union members feel they receive better services at their credit union than a bank and pay fewer, lower fees than to a bank. Credit union membership can be a lifetime relationship. Change of employment does not mean you will need to end your relationship with the credit union. Once a member always a member.

HOW DO I APPLY FOR A LOAN? It is easy to apply for a loan with our credit union. Just give us a call at (610)358-8030. We will ask you a few questions. It just takes a couple of minutes. Or complete the Loan Request Form and mail or fax it to us. We will review your request and give you an answer the next business day.

LAST UPDATED 01/03/2012