allowing members to speak directly with a personal teller during business hours, and providing. ATM access 24/7. Visit u
Fall Fall 2017 2014
IN THIS ISSUE WE ARE MOVING THROW A HOLIDAY BASH ON A BUDGET MEET YOUR NOMINEES SHOP ONLINE SAFELY DOUBLE REWARDS IN NOVEMBER NEW CREDIT CARD INTRODUCTORY RATE
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BAYPORT INSURANCE BayPort Insurance, LLC, a wholly-owned subsidiary of BayPort Credit Union, is an independent insurance agency that finds the best home, life or auto insurance deal for you through our extensive network of providers.
We’re Moving To Serve You Better This November, BayPort will open our new City Center at Oyster Point location at One BayPort Way in Newport News. Our newest branch will be on the corner of Oyster Point Road and Canon Boulevard, offering easy access whether you are in the heart of City Center or just in the Oyster Point area. This branch will replace our location at 11820 Fountain Way in Newport News. In addition to better accessibility, this new location will include ample parking and three drive-thru lanes. The drive-thru lanes will be equipped with Interactive Teller Machines (ITMS) allowing members to speak directly with a personal teller during business hours, and providing ATM access 24/7. Visit us online at www.bayportcu.org for a full list of branches and ATMs.
int Rd
Oyster Po
Oyster Point Rd
Tech Center
BayPort Way
BayPort Way
Brian Smith Agency Manager
r Point Rd
Old Oyste New BayPort Branch
Canon Blvd
Dina Willoughby Insurance Agent City Center Blvd
City Center
You are here.
James Parrish Insurance Agent
Patty Gaskins Insurance Agent
Gift Giving Made Easy
Angela Joseph Customer Service Representative
Call 757.493.5140 or visit bayportcu.org to get your Free Quote TODAY!
Any insurance required as a condition of an extension of credit by BayPort Credit Union is not required to be purchased from BayPort Insurance, LLC and can be purchased from an agent or insurance company of the member's choice. Business conducted with BayPort Insurance, LLC is separate and distinct from any business with the credit union. Insurance purchased through BayPort Insurance, LLC is not a deposit, not federally insured, not an obligation of the credit union, not guaranteed by the credit union or any affiliated entity, involves investment risk, including the possible loss of principal, and may be offered by an employee who serves both functions of accepting member deposits and selling insurance.
Ever wonder what to get that person on your list that has everything? We have a solution for you...GIFT CARDS! Some may think gift cards are less personal than other gifts. But we say, what can be more personal than allowing someone to pick out exactly what they want or need? If you are in need of the perfect gift for those special people in your life, stop by one of our branches and pick up a holiday gift card!
Throwing A Holiday Bash On A Budget Who doesn’t love the holidays? It’s a great time to gather with family and friends and celebrate the season. If you’re tasked with throwing this year’s holiday bash, we have some great ideas to make your event a hit, without your bank account taking a hit.
Set a budget and stick to it We know the holiday season is all about giving, but you don’t have to give away the farm. Set a realistic budget and aim to stay under it. Be sure to give yourself a little extra padding for unexpected expenses. And don’t forget to allocate a few extra dollars for that cocktail dress you’ve been eyeing.
Host a potluck dinner This is a great way to keep catering costs down. Plus, people love to show off their favorite holiday recipe, even if it is storebought cookies they placed in a holiday tin and pass off as their great, great grandmother’s secret recipe. Ask guests to share the special dish they are bringing with their RSVP to ensure there is plenty of variety.
Throw an afternoon cocktail party Instead of spending hundreds of dollars and endless hours creating a menu to satisfy everyone’s taste buds, bump the party time up a few hours and enjoy an afternoon cocktail party. Put your festive thinking cap on and come up with a few signature drinks like a Ginger Bell Cocktail or a Hot Peppermint Rod. The internet is full of fun and easy to make cocktails that won’t break the bank.
Decorate on a dime Don’t spend outlandish amounts of money to make your home look like a winter wonderland for one night. Pinterest is full of super festive and super cheap ideas using everyday items you already have. Glue some ornaments to a paper plate with the center cut out and add a candle, fill a vase with candy canes, wrap a few pictures to look like presents and hang them back on the wall. The possibilities are endless.
BYO … Signature holiday drink Trying to provide cocktails that all will enjoy can add up quickly. As the host, stick to beer and wine. Encourage your guests to make their own signature cocktail and bring it along to share. Being a responsible host is always in style, so make sure party-goers have a safe way to get home. Either be prepared to make your sofa available, or send them home in an Uber. Have a safe and fun holiday season!
NOMINATIONS BY PETITION The 2017 Nominating Committee has filed nominees to serve on the 2018 Board of Directors. Please review the nominees’ brief statement of qualifications and biographical data featured in this edition of the BayPort Breeze. Nominations for vacancies on the Board of Directors may also be made by petition signed by 500 members. Nominations by petition must be received by the Nominating Committee no later than close of business Monday, December 4, 2017. All forms, including petition forms, may be obtained at any BayPort Credit Union branch. If the number of nominees equals the number of positions to be filled, there will be no election by ballot. There will be no nominations from the floor accepted at the Annual Meeting. Be sure to check the next edition of the BayPort Breeze for the date of the 2018 Annual Meeting. Then mark your calendar. You can vote for your Board of Directors and have a chance to win a cash prize up to $3,000!
Meet Your Board Nominees To acquaint you with the nominees for the Board of Directors, the following information is presented. Nominations were made by the Nominating Committee in accordance with the Credit Union bylaws. Credit Union directors are volunteers, democratically elected by vote of their fellow members, and serve all of us without pay.
Pamela J. Rowe, PMP®, Incumbent Incumbent, up for re-election, Pam Rowe was elected to the Credit Union Board of Directors in 1991. She is currently serving as the Second Vice Chairman of the Board. Previously, Pam served as Chairman of the Board from 1997 to 2010 and has also served as First Vice Chairman, and Secretary / Treasurer. Pam is the Chairman of the Strategic Planning Committee and is a member of the following Committees: Policy/ Investment/ Asset Liability Management, Executive, Salary & Benefits, Marketing and Budget. Pam has been honored as “Volunteer of the Year” by the Hampton Roads Chapter of Credit Unions. She has received the Roy F. Bergengren Premier Award, the Credit Union Services Award, and the Credit Union Leadership Award in the Volunteer Achievement Program. Pam has completed modules of the Volunteer Leadership Program receiving the Blue Diamond Award, which recognizes exceptional dedication and commitment to continuing education as a volunteer in the Credit Union movement. In addition, she has received the Credit Union Technology Award. Pam received her MBA from Old Dominion University and a BS in Information Science
from Christopher Newport College. She is certified as a Project Management Professional (PMP®) by the Project Management Institute. Pam is a member of the SHIPPAC Chairman’s Circle, the Propeller Club of the United States – Port of Newport News, the May Club, and the Mariner’s Club. She is also an active member of Langley Baptist Church and serves on their Worship Team, Facilities Committee and as a Church Trustee. Pam is currently a Manager in Contracts and Pricing at Newport News Shipbuilding (NNS). She began her employment with NNS in 1976 in the Human Resources Division. Pam has held various positions of increasing responsibility in Information Technology, Internal Audit, Finance, Tenneco Business Services, New Carrier Construction, Planning & Production Control, Production Analysis, Process Excellence and as the Program Manager for the Refueling and Complex Overhaul for the USS George Washington (CVN 73) and the USS Theodore Roosevelt (CVN 71).
Paul F. Willis, Jr., Incumbent
Incumbent, up for reelection, Paul F. Willis, Jr., has served on the Board since 1999. He currently serves as a member of the Delinquent
Loans Committee, Ethics and Bylaws Committee, Technology Committee, and Education Committee. Paul is the Chairman of the Governmental Affairs Committee, serves on Virginia’s state Governmental Affairs Committee, and was named 2012 Political Action Advocate of the year. Paul graduated from NNS Apprentice School in 1971, and held Management positions in Material Control for carrier overhaul and in Production Control. Paul retired December 2010 as Construction Supervisor for the new carrier project. He worked in close proximity with waterfront workers during construction of the last eight carriers. During his 43 years of service, he has completed a number of educational, management and budget classes with Newport News Shipbuilding and has served on and led numerous task teams. As a Credit Union member for 50 years, he has a strong understanding of the Credit Union’s mission. Paul currently is a member of the Warwick Lions Club and the shipyard Progressive Club. A native of Newport News, Paul lives in Gloucester with his wife, Maggie, and has four grown children and five grandchildren.
G.C. Wiatt, Jr., CCUE®,CCUV® Incumbent Incumbent, up for re-election, George Wiatt, Jr. first joined the Credit Union in 1966 when he began working at Newport News Shipbuilding in the Pipe Department. He served in the U.S. Army from 1967-1969. George began his Credit Union career in 1977 until his retirement in 2005. While employed at the Credit Union, he completed the Virginia Credit Union League Management Enrichment Training program. George graduated from The University of Georgia Southeastern Regional Credit Union Management School and is a charter Certified Credit Union Executive. Since being elected to the Board in 2006 he has served on various board committees. He is currently serving as the Chairman of the Delinquent Loan Committee, as well as serving on Education, Salary and Benefits, Strategic Planning, and Governmental Affairs committees. George is a graduate of Christopher Newport College with a B.S. Degree in Business Administration. He has completed the Credit Union Volunteer Achievement Program by receiving the Board of Directors Award, the Roy F. Bergengren Award, the Edward A. Filene Award, the Supervisory Committee Award and the Friedrich W. Raiffeisen Award. George has also completed the courses to become a Certified Credit Union Volunteer. George and his wife, Rhonda, live in Newport News. His hobbies include golf and travel.
Ann L. Pharr Ann Pharr is a Director and Assistant General Counsel for Huntington Ingalls Industries, Inc. She began her career at Newport News Shipbuilding in 1979 as an attorney in the Legal Department, and has worked at the shipyard since then, under the ownerships of Tenneco, Northrop Grumman, and twice with the company as an independent and publicly traded enterprise. As an attorney, she supports the Company’s commercial nuclear businesses and regulatory compliance in the areas of environmental, health and safety, security, and radiological control. She also advises the Company on real estate, energy and government relations matters. At the shipyard, she serves on the Environmental, Health & Safety Council, Contributions Committee, and State Policy Council. She is also active in HII’s Diversity and Inclusion action committees. A native of North Carolina, Ann graduated from the University of North Carolina at Chapel Hill with a B.A. in history and English, and worked for the Wake County, N.C., court as a Deputy Clerk of Court before entering law school. She received her J.D. from the UNC School of Law and is admitted to practice in Virginia and in North Carolina. She is a member of the American and Virginia Bar Associations, the American Corporate Counsel Association, and the Department of Energy Contractor Counsel Association. She has served on the Advisory Board of the
Salvation Army of the Virginia Peninsula since 2000, and is a past member of the Virginia Manufacturers Association Board. She is active in her church, Calvary Reformed Presbyterian Church of Hampton, VA, and as a volunteer in the Salvation Army’s Christmas Angel Tree and other programs, the shipyard’s Earth Day cleanup, and Relay for Life. Ann lives in Newport News with her husband, Van Rhodes.
He is the Past Chairman of Stewardship for Sixth Mount Zion Baptist Temple and currently serves on the Finance Committee there. In addition, Alvin serves as a member of the BayPort Credit Union Education Committee, and is a member of the Executive Committee and Treasurer for the Advisory Board of the Salvation Army of the Virginia Peninsula.
Jennifer M. Miller, Incumbent Jennifer was appointed by Alvin J. Whitlow the Board in October, 2016, Alvin J. Whitlow is Director, Business Management, for to fill a vacancy on the Board Newport News Shipbuilding, a created by the passing of John division of Huntington Ingalls R. Plaster. Employed by Newport Industries. Named to this News Shipbuilding, Jennifer position in 2011, Alvin is the primary interface between the currently serves as Business NNS financial community and Manager for the CVN79 program. She has held variNuclear and Environmental Programs, supporting improve- ous manager positions in the shipyard since 2008. ment and alignment among She holds a Bachelor of strategy, operations and finanScience in Business Adminiscial results. He also works closely with HII Corporate on tration and Mathematics from Mary Washington College and M&A activities and strategic a Masters of Business Adminprojects. Alvin joined Newport News istration from Old Dominion University. Shipbuilding in 1978 and Jennifer has served the has held positions of increascredit union on its Superviing responsibility in Program Finance in the areas of Subma- sory Committee for six years. She serves as President of the rine Construction, Waterfront Gildersleeve Middle School Operations, Earned Value PTA, as well as a volunteer for Management, Aircraft Carrier PORT, an Emergency WinRefueling and Overhaul, and Commercial and U.S. Govern- ter Shelter Program, through ment Energy Programs as well her church. Jennifer is also a member of the Junior League as Maintenance of In-service Aircraft Carriers at U. S. naval of Hampton Roads. She lives in Newport News with her bases around the globe. He husband, Phil, and two chilearned a Bachelor of Arts dren, Megan and Matthew. Degree in Economics from Virginia Polytechnic Institute and State University.
Earn Double Rewards The Month of November The holiday season is fast approaching and BayPort has a great way to reward you while you’re shopping. During the entire month of November, you will earn DOUBLE BONUS POINTS on your BayPort Rewards Mastercard® credit card or 2% CASH BACK on your BayPort Cash Back Mastercard credit card on qualifying purchases every time you use your card. These are two great reasons to use your BayPort credit card this holiday season. Don’t have a BayPort Mastercard credit card? Opening a BayPort Mastercard is easy. Simply visit a local branch or apply online at bayportcu.org.
Shop Online Safely With more people shopping online during the holiday season than in stores, it is important to keep your money safe while ordering gifts for your loved ones. One of the best ways to do this is to use mobile wallets like Apple Pay®, Samsung Pay®, MasterpassTM, and Android PayTM that use tokens instead of your real card info to complete the transactions. As an added bonus, mobile wallets can even save you money. With features like reminding you before a coupon expires or offering exclusive deals for users, mobile wallets make your holiday shopping easier and may save you a few bucks as well. Be sure to load one of the mobile wallet apps today and add your BayPort credit and debit cards before you start shopping.
HOLIDAY CLOSINGS
All offices will be closed on the following dates: Thanksgiving Thursday, Nov. 23, 2017 Friday, Nov. 24, 2017
Christmas/New Year’s Monday, Dec. 25, 2017 Monday, Jan. 1, 2018
Branch locations within city office buildings may be closed additional holidays. 50th St. Branch will close Dec. 25, 2017 - Jan. 1, 2018.
Hollydazzle Join us for this year’s Hollydazzle celebration around the Fountain Plaza at City Center in Newport News. BayPort will be there handing out our free, special lighted giveaway to be used during the event. Saturday, December 2, 2017 • 4:00 pm - 8:00 pm City Center at Oyster Point • Admission is FREE BayPort is a proud sponsor of this family event. Be sure to stop by one of our tents beginning at 5:00 pm for your special giveaway. (While supplies last)
New Business Banking App Coming Soon BayPort Business Services is always searching for ways to make your business banking easier and more convenient. We are excited to announce our new BayPort Business Mobile App coming soon. As a busy business owner, we want you to be able to access your account when and where you need to. This new app offers the features below: • Account Access • Transfers • Account History • Bill Pay • ACH File approvals Be on the lookout for this Business app in your Apple Store or Google Play Store soon.
Shop With Ease This Holiday Season
MEET OUR FINANCIAL ADVISORS
At BayPort Financial, available through CUSO Financial Services, L.P. (CFS*), we provide the tools to help you achieve your financial goals. We are dedicated to helping you meet your retirement planning, estate planning and investment management needs. Call to schedule your complimentary review.
Mark McKnight 757.928.8931
Margaret Taylor 757.595.2147
BayPort is offering a great introductory rate on purchases for all new BayPort Mastercard® cardholders. Open a BayPort Mastercard by December 31, 2017, and receive 3.99% APR* on purchases for six months from account opening. You can really save big when you choose a BayPort credit card to purchase holiday gifts, pay for holiday travel, and even host holiday parties. Apply today! *APR=Annual Percentage Rate. Membership eligibility required. Certain restrictions may apply. Rates and terms are based on creditworthiness. New credit card accounts opened between September 20, 2017 – December 31, 2017 will receive a purchase rate of 3.99% on all purchases made within 6 months from account open date. After the account has been open for 6 months, all unpaid purchase balances made during this promotion will revert back to the standard APR for purchases at that time. If your minimum monthly payment is not received by the statement closing date, the card exceeds the approved limit, or is closed, the APR for purchases will revert back to the standard APR. Offer not valid on Business Accounts and cannot be combined with any other offer.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Newport News Shipbuilding Employees’ Credit Union (NNSECU) has contracted with CFS to make non-deposit investment products and services available to credit union members. BayPort Credit Union is a DBA name for NNSECU.
BayPort Locations Chesapeake 2445 Old Taylor Rd.* 677 N. Battlefield Blvd.* 401 Albemarle Dr. 544 S. Battlefield Blvd. Gloucester 2369 Geo. Washington Mem. Hwy.* Grafton 5028 Geo. Washington Mem. Hwy.* Hampton 2300 Cunningham Dr. 199 Fox Hill Rd. 1168 Big Bethel Rd. 22 Lincoln St., 3rd Floor Newport News 3711 Huntington Ave.* 5001 Huntington Ave. 3101 Jefferson Ave. 8000 Marshall Ave. 433 Denbigh Blvd.* 12512 Warwick Blvd. 11820 Fountain Way 955 Harpersville Rd. Norfolk 600 Church St. Smithfield 1290 Smithfield Plaza
Suffolk 1463 North Main Street* Williamsburg 4171 Ironbound Rd.* Virginia Beach 4388 Holland Rd.* 5225 Providence Rd.* *Also serve as CO-OP Shared Branch Locations Look for this symbol.
Board of Directors
Suzanne M. Beckstoffer, Chairman Theodore L. Stewart, Sr., First Vice Chairman Pamela J. Rowe, PMP®, Second Vice Chairman Maureen H. Davis, Secretary/Treasurer J. Paul Kirkland, Assistant Secretary Mary A. Campbell Mary L. Cullen Nancy P. Hill Jennifer M. Miller Donald I. Steppe, CCUE® G. C. Wiatt, Jr., CCUE®, CCUV® Paul F. Willis, Jr. Thomasina R. Wright
Contact Us
All Branches & General Information 757.928.8850 Toll-Free Number 1.800.928.8801 Balances/Rates (Audio Response) 757.244.STAR Mortgages 757.896.8769
Website
www.bayportcu.org
Board Emeritus Burton P. Hill Donald E. King Robert L. Sterling
EQUAL HOUSING
OPPORTUNITY
This credit union is federally insured by NCUA.
