Star USA in the Community


For years, Star USA has worked diligently to improve conditions in our community. From the replacement of the running track at Laidley Field to teaching financial literacy in area schools, the credit union has been at the forefront in helping those in need.

This continued in 2014 as Star USA worked with several area agencies to assist them with their needs. In addition to helping several schools with literacy projects as well as Dollar Dog Clubs, the credit union held golf tournaments, road races and other events to raise funds for these worthwhile charities.

Last year, Star USA raised nearly $36,000 which was distributed to the United Way, Highland Hospital’s Children and Teens Unit, the Salvation Army’s Camp Happy Valley, Children’s Therapy Clinic and the Counseling Connection.

This work will continue in 2015 as Star USA strives to improve conditions in our community!

Tax Time!


April 15 is just around the corner! If you have yet to file your state and federal taxes, visit www.star.coop and click on the Turbo Tax icon for assistance.

Turbo Tax can help complete your forms and meet the deadlines for filing. Take full advantage of this today at Star USA.

Love Your Savings


Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about. Star USA is excited to offer you, our member, exclusive discounts and benefits on products and services you use every day. Credit union members have already saved over $1 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.

Begin saving on your personal lines and enjoy these discounts:

  • Exclusive discounted pricing on most new Chevy, Buick, or GMC vehicles with the Credit Union Member Discount from GM
  • Save 10% on select regularly priced Sprint monthly service; businesses save 15% on select regularly priced Sprint monthly service. Plus, waived activation and upgrade fees (up to $36 savings for each)
  • Savings of up to 50% off other popular plans from Credit Union Auto Club
  • Save up to $15 on TurboTax Federal tax products
  • Save on services for your home from ADT, DIRECTV, Allied and more
  • Earn cash back when you shop at over 1,500 online retailers with Love to Shop

The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.

The Value of a Snow Day

by John Burdette — Financial Advisor, Fourth Avenue Financial


As I write this article, I am looking out a large picture window into a sea of trees coated with a fresh fall of snow. We have yet to have a large snowstorm this year, but this dusting almost has me wishing for a deep blanket that would give us all a reason to take an unexpected break from our daily routine. The stillness a deep snow provides can be a perfect time to concentrate on what matters most to you, without the usual interruptions of the day. It’s far too easy to let the noise of life disperse our focus onto items that don’t move us toward the goals we hope to achieve. This is true in all areas of life and certainly true in our financial lives.

Each week, I meet with 10-15 clients or prospective clients to help them manage their investments and develop strategies to help them reach the financial goals they have made. I would never need to watch TV or read the newspaper to know what the headlines are based on the conversations I have during these meetings. For instance, last week, I heard concerns from the State of the Union to collapsing oil prices as reasons to be hesitant to invest. I hear questions like, “Is now a good time to invest with ____ going on?” or statements like, “I really don’t like what’s going on in Washington, D.C. I don’t think it’s wise to invest now.” Focusing on any array of these newsworthy items and allowing them to alter your actions toward your goal is, I believe, a mistake.

Let’s allow ourselves a “snow day” to really think about what is important long term to our investments and what is simply a passing distraction. A glance at a chart of the market over the past 100 years tells a story of unimaginable investment success. Why has the market progressed through world war, depressions, scandal and political rancor? To be sure, events can and do impact the markets for short periods of time, but what is it that allows it to recover and reach new highs every time? In my opinion, the answer lies in the creative wonder of the human spirit and the desire to continually raise our quality of life. Even in the darkest days of the Great Depression these creative fires were burning. They were burning in board rooms, laboratories and garages as people worked to serve the needs of current and future customers. For instance, in the 1930’s, synthetic fibers and plastics were introduced, as well as a little item called the television. It is not difficult to imagine the investment opportunities that sprung from these new creations.

How many abandoned the markets after the turmoil of 2008? Will there be market downturns in the future? Of course there will be. When you feel uneasy about your investments take a “snow day” and focus on the progress that constantly improves our quality of life, rather than sour news in the headlines. Don’t allow events outside of your control shape your future. If you maintain a proper investment allocation that serves both your short term needs and long term goals, the daily news is much less important than the long term opportunities presented by the quickening pace of progress.

If you would like to discuss your financial future, please contact a credit union representative to initiate an appointment with me.

Safe Travels



As summer rapidly approaches, plans are being made for vacations and trips. As you prepare for your time of travel, take a moment and consider your financial safety.

As a result of national and international security breaches, credit and debit card providers are adding additional layers of security in an effort to stop those attempting to access your personal information. Whether you are leaving the country or traveling within the states, contact your credit union to inform staff of travel arrangements. If you will be utilizing your debit card in locations that you don’t normally transact business, Star USA staff can help and will advise you of any problems in particular countries or regions of the USA.

Enjoy your summer and let Star USA help you have a financially safe vacation.

Freshberries

Do you ever just want to call a doctor (and even get an Rx, if needed) when you or a family member are sick?

Are you bummed when your kids get sick – not just because they feel bad, but because you know a doctor visit will take hours out of your day?

Would you like a Personal Advisor to help you figure out your medical bills and navigate “the system”?

Could you use 15-50%* discounts on dental needs like exams, whitening, braces and more? How about 10-60% discounts on vision needs like glasses, contacts, LASIK, and more? What about 10-85% discounts (46% on average) on prescriptions?

If you answered “YES!” to any of these questions, check out Freshbenies NOW!

Freshbenies helps families save hundreds to thousands of dollars on healthcare costs. BUT, it’s not insurance so you can use the benefits as much as you need; there are no health restrictions; it’s inexpensive and you can cancel at any time!

*Actual costs and savings vary by provider, service and geographical area.

Learn more at www.freshbenies.com/StarUSAfcu or call 1-800-628-2120 or 304-357-2319.

Main Office


One Cantley Drive
Charleston, WV 25314
304.357.2319

www.star.coop
800.628.2120

Branch Locations


HUNTINGTON
607 3rd Avenue
Huntington, WV 25701
304.697.4900

BECKLEY
3871 Robert C. Byrd Drive
Beckley, WV 25801
304.256.7154

ST. ALBANS
600 6th Avenue
St. Albans, WV 25177
304.727.2981

HURRICANE
3955 Teays Valley Road
Hurricane, WV 25526
304.757.3231

SUMMERSVILLE
885 Broad Street
Summersville, WV 26651
304.883.0000

Holiday Schedule


All Star USA offices will be closed on the following holidays:

Monday, May 25 — Memorial Day

Friday, Jul 3-4 — Independence Day