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Wayne Westland
Federal Credit Union
Serving the Community
Since 1954!
Wayne Westland Federal Credit Union
734.721.5700
2011 Bine Direory
wwfcu.orgwwfcu.org
Message from the CEO:
Welcome to our 1st Annual Member Business Directory.
In our efforts to keep our Country, State and neighborhoods thriving, we strive to
make our purchases on goods made in America; goods made in Michigan; and
goods and services made and offered from our local businesses. This directory was
created to showcase other Wayne Westland Federal Credit Union members who
offer goods and services within the communities we live in.
We hope you will use this Directory throughout the year as an opportunity to utilize
services and goods from other Credit Union members when you are in need of
one of the services listed.
We want to thank our Vendors who have advertised in our directory and helped
make the Member Business Directory possible.
Thelma Dasho, CEO
Wayne Westland Federal Credit Union
734.721.5700
About the Credit Union
Just as all credit unions are not for prot, not for charity but for service, we too have
the same philosophy of “People helping people.” We are a community chartered
Federal Credit Union with our ofce in Westland, Michigan.
We are directed by a volunteer Board of Directors who are responsible to set policies
and lead the membership into this new millennium with the services they need at
the lowest possible cost.
We were established in Wayne, Michigan in 1954 with 109 members and assets of
$94,840. Today, we have over 11,000 members with $66 million in assets. We moved
from our rst home in 1965, to Sims Ave. in Wayne, Michigan. In 1985 we established
our Westland branch facility, where we serviced half of our membership. On August
9th, 2001 we closed both ofces and moved into our new home at 500 S. Wayne
Rd. in Westland, Michigan.
We were voted the best Credit Union in Western Wayne County four years in a row:
1997, 1998, 1999, and 2000. That demonstrates the importance and dedication
we feel towards our members.
Our Mission
Our mission is to provide premium nancial services to our member -
owners and the Communities of Wayne & Westland by providing: first
class service, excellent rates, and education on what services are best
for them!
“Moving Toward Your Financial Success”
Board of Directors
Andrew Spisak, President
Grover Kahl, Vice President
Wayne Bennett, Secretary
Michael Donovan, Treasurer
Shirley A. Powser, Membership Ofcer
Mark McConnell
Sylvia Kozorosky-Wiacek
Supervisory Committee
Randy Grimble, President
Sharon Scott
Bob Kosowski
Diane Fritz
2011 Bine Direory
wwfcu.org
Wayne Westland Federal Credit Union
734.721.5700
Proudly
Serving
Wayne Westland
and the Surrounding Community
248.233.6321
Call us today:
2011 Bine Direory
wwfcu.org
WAYNE WESTLAND
FEDERAL CREDIT UNION
FREE MOBILE BANKING AVAILABLE TO
Wayne Westland Federal Credit Union Members!
Ask Us Today, How You Can Get Started With Free Mobile Banking!
Manage your nances from
nearly anywhere.
WWFCU Mobile Banking enables you to connect
to your accounts from your mobile phone or other
hand-held device.
Mobile Banking Features:
• Check your balance
• View transaction history
• Transfer funds
• Pay your bills
• Locate ATM’s
• E-Alerts
• Manage your account(s) from your web
browser
IS MOBILE!
Wayne Westland Federal Credit Union
734.721.5700
Digital • Digital Offset • Traditional Offset
Nobody Prints Better For
Less Than Imperial Press!
36024 W. Michigan Ave.
Wayne, MI 48184
Pick-up & Delivery
Phone: (734) 728-5430 Fax (734) 728-3854
[email protected] www.imperialpress.net
Postcards
Newsletters
& More
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with pin point
accuracy & SAVE!
Try Our
MAILING
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M
Rainfall Landscaping, Inc.
Free Estimates • Insured
“Quality is Our Priority”
P.O. Box 87913
Canton, MI 48187
734-641-6575
Fax 734-641-6574
www.rainfalllandscaping.com
Email: [email protected]
2011 Bine Direory
wwfcu.org
24 Hour
Home Banking Support
734.721.5700
Access to personal and/or business accounts
24 hours a day.
Free Bill Pay•
Check your account balances•
Transfer money between accounts•
Make loan payments•
Stop payments on •
specic checks
Reorder checks•
View and print statements•
See account histories•
View digital images of • cleared checks
Personalize your online• banking
experience ...
and more!•
ONLINE BANKING:
FREE. EASY. SECURE.
YOUR
BENEFITS:
visit: www.wwfcu.org/hbsignup
Sign up Today for Free Home Banking,
Bill Pay & E-Statements.
MAKE THE MOVE:
SIMPLIFY YOUR LIFE.
•It’s free
•It’s easy
•It saves money
•It’sfast-savestime
• It oers the highest
level of security
•It’s safe and secure
•Yourfundsareinsured
“Moving Toward Your Financial Success”
Wayne Westland Federal Credit Union
734.721.5700
Information in your credit report
could save you $50, $100, $200 or
more every month!
RateHound sniffs out the best
deals to help you save money on the
loans you have with other institutions,
helping you save on your auto, boat,
RV, home equity loan, and more.
FREE credit report and
RateMatch® savings report
Don’t OverPAY! OverSAVE!®, with RateMatch,
only from Wayne Westland Federal Credit Union.
Visit our website or see a member service
representative to nd out how much money
you can start saving today.
PAYING TOO MUCH
FOR YOUR LOANS?
LOAN EVALUATION SERVICE
“Moving Toward Your Financial Success”
RateHound Can Help!
2011 Bine Direory
wwfcu.org
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Wayne Westland Federal Credit Union
734.721.5700
Buying a Used Car?
Just say - Show Me the
!
MINIMIZE YOUR RISK OF BUYING A USED CAR WITH COSTLY HIDDEN PROBLEMS.
GET A DETAILED VEHICLE HISTORY REPORT WITHIN seconds.
CALL US OR SIMPLY STOP IN
TO TAKE AD VANTA GE OF
THIS
SPECIAL OFFER!
The most trusted provider of vehicle history information, CARFAX is used by millions of consumers each year.
Every CARFAX Report contains information
that can impact a consumer’s decision about
a used vehicle. Some types of information that
a
CARFAX Report may include are:
• Title information, including
salvaged or junked titles
• Flood damage history
• Total loss accident history
• Odometer readings
• Lemon history
• Number of owners
• Accident indicators,
such as airbag deployments
• State emissions inspection results
• Service records
• Vehicle use
(taxi, rental, lease, etc.)
CARFAX
“Moving Toward Your Financial Success”
Offer and/or pricing subject to change without notice. Restrictions may apply.
Please see a Member Service Representative for complete details.
Receive a FREE Car Fax Report when you choose
Wayne Westland Federal Credit Union for your
auto loan nancing. Members who are not getting
an auto loan from WWFCU can receive a CARFAX
for ONLY $15. That is a savings of $19.99.
2011 Bine Direory
wwfcu.org
Wayne Westland Federal Credit Union
734.721.5700
TM
HELPING YOU REACH
YOUR FINANCIAL GOALS
A free service brought to you by:
Wayne Westland Federal Credit Union
1-877-33ACCEL | www.accelservices.org
“Moving Toward Your Financial Success”
2011 Bine Direory
wwfcu.org
Range of Scores
• 730 – 830 = A+ or Platinum
• 680 – 729 = A
• 640 – 679 = B
• 600 – 639 = C
• 550 – 599 = D
• 549 & Below = E
What makes Up Your
Credit Score?
• 35% = based on payment
history (i.e. on-time pays or delinquencies)
- More weight on current pay history
• 30% = Available Credit
• 15% = Length of Credit
• 10% = Accumulation of
debt in the last 12-18 months
# of inquiries
Opening dates
• 10% = Mix of Credit
- Installment (can raise) vs. revolving
(can lower)
- Finance company loans – They can lower
your score.
What Actions Will Hurt
Your Score?
• Missing payments (Regardless of the
$ amounts, it can take 24 months to
restore credit with one late payment)
• Credit cards at capacity (i.e. maxing out
your credit cards)
• Shopping for credit excessively
• Opening up numerous trades in a
short time frame
• Having more revolving debts in
relation to installment debts
• Closing credit cards out (this could lower
your available capacity)
• Borrowing from nance companies
How Can You Improve
Your Score?
• Pay o or pay down your credit cards
• Do not close credit cards because
capacity may decrease
• Move your revolving debt into
installment debt
• Continue to make payments on time
(older late pays will be less signicant with time)
• Slow down on opening new accounts
• Acquire a solid credit history with years
of experience
For more information,
call our credit experts today!
“Moving Toward Your Financial Success”
Wayne Westland Federal Credit Union
734.721.5700
In one year, by switching from paper
to electronic billing, statements, and
payments, the average American
household would ...
• Save 6.6 pounds of paper
• Avoid producing 171 pounds of greenhouse gas emissions
• Avoid releasing 63 gallons of wastewater into the environment
• Avoid using 4.5 gallons of gasoline to mail paper items
If only 20% of American households
switched from paper to electronic
bills, statements, and payments each
year, the collective impact would ...
You can change your account from paper to
electronic on the home banking site. If you
are not already enrolled in home banking,
sign-up online today!
GO GREEN
TO SAVE.
FACTS:
Make a change from paper
to electronic to save time,
money, and the environment …
• Save 150,939,615 pounds of paper
• Save 1,811,275 trees
• Avoid producing almost 2 million tons of
greenhouse gases
• Avoid creating over a billion gallons of
wastewater during paper production
• Avoid using over 100 million gallons of gas
to mail payments
2011 Bine Direory
wwfcu.org
“Moving Toward Your Financial Success”
Membership eligibility requirement applies.
Loan must be disbursed to qualify.
by Referring a friend
for a new loan to
Wayne Westland
Federal Credit Union
Receive $50
Wayne Westland Federal Credit Union
734.721.5700
Credit Union
Member Savings
Keep Growing
with “Invest
in America”
Wayne Westland Federal Credit
Union is a proud participant of
“Invest in America,” a discount
program that brings members
valuable savings on the things
they use the most.
Credit Union members can save
big with trusted U.S. companies
through various discounts. So,
whether you’re looking to save
on something as large as a new
vehicle or something as small as
a new bouquet of owers, and
many of the other things you
need and use on a daily basis
– “Invest in America” has
you covered!
Start saving today with these
fantastic discounts! Speak with a
member service representative or
visit
LoveMyCreditUnion.org
for the details.
CU Member Rewards Program
www.lovemycreditunion.org
2011 Bine Direory
wwfcu.org
Wayne Westland Federal Credit Union is the
best place to get your auto loan. Whether you are
looking to buy a new or used vehicle or to renance
your current auto loan, we can provide you with the
hassle – free solution you need.
Researching prices with several dealers and negotiating
a fair price for your vehicle can take a lot of the fun out of
the car buying process. Luckily, your nancing doesn’t
have to be so complicated. As a member of Wayne
Westland Federal Credit Union, you are eligible
for hassle-free financing with great rates on new and
used vehicles. In fact, the nancing process with
us may be the easiest part of the buying
process. The Credit Union difference doesn’t
just stop at great rates. At Wayne
Westland Credit Union,we
pride ourselves on personal
service from people who
care about your needs.
We are always available
to answer any questions
or concerns you have
about your loan.
• Great, low rates
• Easy application process
• Up to 100% nancing for qualied borrowers
• Flexible terms up to 84 months on new autos
• Flexible terms up to 60 months on used autos
Auto
Loans
“Moving Toward Your Financial Success”
Wayne Westland Federal Credit Union
734.721.5700
Identity theft is one of the fastest growing crimes in the United States. Millions of Americans are aected each
year. If your identity is stolen, you could spend months or years and possibly thousands of dollars reclaiming your
name and cleaning up the mess.
Identity theft occurs when someone assumes your identity by using your personal or nancial information to
open credit cards or other accounts at a nancial institution in an attempt to commit fraud or theft.
“Moving Toward Your Financial Success”
See our Fraud experts today for more information.
Shred and destroy unwanted •
documents that contain
personal information.
Bring your mail in daily – don’t leave •
mail in your mailbox.
Immediately report lost or stolen•
credit cards.
Review and monitor your consumer•
credit reports regularly.
Do not carry your social security card •
or your birth certicate.
Watch your nancial statements and •
ensure all charges made are yours.
Contact the credit bureaus•
Contact your creditors an• d
nancial institutions
Contact local authorities•
Contact government authorities•
Maintain good records,•
and follow-up
You can protect yourself against
identity theft in the following ways:
If you become a victim, take the
following measures quickly:
Credit Unions – America’s Most Trusted Financial Institutions
2011 Bine Direory
wwfcu.org
7
Discuss Values
Set Goals
Create a Plan
Determine Income
Determine Expenses
Keep Track of Expenses
Evaluate Your Plan
Budgeting can be a simple and
straightforward process. Here
are seven steps to help you create
a successful budget.
Remember that budgeting is
the cornerstone of your family’s
financial plan and a guide
to help you achieve
your goals.
$
$
Wayne Westland Federal Credit Union
734.721.5700
Untitled-6 1 8/31/08 12:52:19 PM
Untitled-8 1 8/31/08 1:08:36 PM
Untitled-7 1 8/31/08 1:04:38 PM
YOUTH
Promotions
Round up YouR Change
Use our coin machine and we
will round up your amount to
the next dollar. Youth must be
present at time of deposit.
Ages: 1 day old – 6
Raffle to Winnings
Deposit money into your
youth account and you will be
entered to win a $20, $10, or $5
gift certicate every quarter.
Every time you deposit money
into your account make sure
to ll out an entry card to be
ocially entered to win.
Ages: 7 – 13
save MoRe to Win MoRe
The more times you deposit money
into your account the more money
we will give you. Visit us today and
ask us for your “youth deposit card.”
After every ten deposits of $10.00
or more, we will give you $10.
Limit $40.00 annually.
Ages: 14 – 17
“Moving Toward Your Financial SucceSS”
www.wwfcu.org
2011 Bine Direory
wwfcu.org
3D Custom Paint
10295 Judd Rd.
Willis, MI 48191
Donna Preston
734-461-6360
www.3Dcustompaint.com
Achieving Health Chiropractic
& Massage
40020 Five Mile Road
Plymouth, MI 48170
734-420-3434
www.LetsAchieveHealth.com
Affordable Custom Signs. LLC
33422 Leona
Garden City, MI 48135
Christopher D. Stone
734-536-0780
Airbrushedstuff.com
5080 Moore
Wayne, MI 48184
Catherine Pike
734-641-4434
www.airbrushedstuff.com
A&J Tobacco Inc. Two
340 S. Venoy
Westland, MI 48186
734-727-1470
American Auto Sales
33225 Michigan Ave.
Wayne, MI 48184
Tom Rose
734-722-1010
734-722-3708 (fax)
www.Americanautowayne.com
Broomes Auto Parts
4322 Walker
Wayne, MI 48184
734-721-4006
Carpet Cleaning Unlimited
Wayne, MI 48184
734-728-3192
Catering By Kevin
6565 N. Canton Center Rd.
Canton, MI 48187
Kevin Schwartzenberger
734-459-4790
800-685-6266 (fax)
Cateringbykevin@charter.net
www.cateringbykevin.com
C&D Catering
204-206 Wayne Rd
Westland, MI 48186
Diane Yoshikawa
734-729-9338
734-729-1314 (fax)
www.c&dcatering.com
Clips Coupons Direct Mail Advertising
P.O.Box 871315
Canton, MI 48187
Laurie Schroeder
734-981-1262
734-981-7898 (fax)
Mary Dennings Cake Shoppe
8036 N. Wayne Rd.
Westland, MI 48185
Mary
734-261-3680
734-261-9238 (fax)
www.marydenning.com
F.A.S Inc.
4629 S. Wayne Rd.
Wayne, MI 48184
734-728-9830
734-728-1606 (fax)
Directory Listing
Wayne Westland Federal Credit Union
734.721.5700
New Concept Home Improvement
Commerce Twp, MI 48382
Dave Stapleton
734-624-1061
734-542-1900 (fax)
Nick & Pauls 24 Hour Towing
34108 Caspian Court
Westland, MI 48186
734-895-9125
Noah’s Ark Christian Preschool
3 Town Square
Wayne, MI 48184
Robyn Sonnenberg
734-595-6002
www.noahsarkcp.com
One Ofce Girl-Small Business Solutions
4097 4th St.
Wayne, MI 48184
Sherie Brindley
734-740-0606
Sherrie@oneofcegirl.com
www.oneofcegirl.com
Pro Image Painting
32500 Fernwood
Westland, MI 48186
Dan Cox
734-507-9135
734-728-0579 (fax)
Reliable Landscaping Inc.
8285 Lilley Rd.
Canton, MI 48187
Tom Gaines
734-455-3220
734-455-2149 (fax)
www.reliablelandscaping.com
Hair Works Inc.
36313 Ford Rd.
Westland, MI 48185
K. Frayne
734-595-1444
HGL Services LLC
1232 Michael Dr.
Westland, MI 48186
Hector Lebert
734-845-6703
rentalbug.com
Honey Do - Can Do, LLC
Curt Bostwick
734-341-3371
Howards Towing & Collision
35830 Van Born Rd.
Wayne, MI 48184
734-326-1114
Imperial Press
36024 W. Michigan Ave.
Wayne, MI 48184
Bobbie
734-728-5430
734-728-3854 (fax)
www.imperialpress.net
In & Outdoor Maintenance
4415 Woodward St.
Wayne, MI 48184
Jim Sweeney
734-748-0628
734-595-4493 (fax)
Michigan Financial
Mortgage Company
217 S. Center Street, Suite 3
Northville, MI, 48167
Adam Rebandt
248.233.6321
248.419.4551 (fax)
http://www.michigannancial.net
2011 Bine Direory
wwfcu.org
Rainfall Landscaping, Inc.
1264 N. Hix Rd.
Westland, MI 48185
734.641.6575
734.641.6574 (fax)
www.rainfalllandscaping.com
Rock of Ages
31015 Ford Rd.
Garden City, MI 48135
Bob
734-522-4590
www.Rockofagesgardencitymi.com
Saranda Salon
35135 Warren Rd.
Westland, MI 48185
Mary Barton
734-728-4834
www.Sarandasalon.com
SPKO Concrete & Construction
35755 Oakwood Lane
Westland, MI 48186
Sean
734-795-0180
Studio 37 Inc (Desktop Publishing)
Livonia, MI 48152
Michelle
734-239-1884
The Smith Law Ofces, P.C.
2006 S. Wayne Road
Westland, MI 48186
Judy Smith
734-729-4465
thesmithlawofces.com
T.L.C Trim Fabrication
Wayne, MI 48184
John Ledbetter
734-516-4307
TND Technology Solutions LLC
Westland, MI 48186
734-722-9920
Toarminas of Livonia
27630 7 Mile Rd.
Livonia, MI 48152
UCI / Utility Choice International
P.O. Box 871315
Canton, MI 48187
Herb Schroeder
734-981-1262
734-981-7898 (fax)
www.teamUCI.com/schroeder
Viola Computer Repair &
Management LLC
Westland, MI 48185
734-732-3931
VR Metro LLC
37655 Ford Rd.
Westland, MI 48185
Ron Howard
734-729-7082
734-238-0360 (fax)
www.vrmetro.com
Westland Window Works, LLC
James Montrose
734-658-5990
For Information on purchasing a business ad for next year,
please e-mail: ads@wwfcu.org.
This Member Business Directory, though published by the WWFCU, is not an endorsement for the businesses
listed. We have no control over the operations or management of the listed businesses.
Wayne Westland Federal Credit Union
734.721.5700
*School branches only available
to students and staff.
*Open during the school year.
SERVICE CENTER LOCATIONS
With shared branching, Credit Unions from all over the country share facilities to
give members thousands of convenient locations to perform transactions, just
as if they were in their home Credit Union. Whether you are at work, home, or your
favorite travel destination, your Credit Union is always nearby.
MAIN BRANCH
500 S. Wayne Road
Westland, MI 48186
Lobby Hours:
Monday & Tuesday - 9:30 a.m. - 5:00 p.m.
Wednesday - Closed
Thursday & Friday - 9:30 a.m. - 6:00 p.m.
Saturday - 9:30 a.m. - 1:00 p.m.
Drive Thru Hours:
Monday, Tuesday,
Thursday & Friday - 8:00 a.m. - 6:00 p.m.
Wednesday - Closed
Saturday - 8:00 a.m. - 1:00 p.m.
ATM LOCATIONS
Two 24 hour ATMs at Main Branch
One 24 hour ATM at Sims & Second Street
in Wayne
Business Hours & Locations
OTHER BRANCH OFFICES
St. Mary Church
34530 Michigan Ave. Wayne
Located in Haney Hall
Sunday - 8:30 a.m. - 1:30 p.m.
John Glenn High School
Monday & Thursday
10:15 a.m. - 12:15 p.m.
Wayne Memorial High School
Tuesday - 10:15 a.m. - 12:15 p.m.
Franklin Middle School
Friday - 10:45 a.m. - 12:15 p.m.
© 2011 cuinmarketing.com
2011 Bine Direory
wwfcu.org
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“Moving Toward Your Financial Success”
500 S. Wayne Rd.
Westland, MI 48186
www.wwfcu.org
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