Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
The following is a presentation of FCB Faith. This is
Keeping America First with Bishop John T. Cotes and Reverend
Jeff Jemison on FCB Faith.
Speaker 2 (00:21):
Good morning. It's always a great day to get our
finances in order and to hear about the great things
during this holiday season that we can do to kind
of get prepared and take advantage of different things. And again,
with the economy the way it is, finances are always
of a concern. And we have a guest this morning
(00:42):
who's gonna just talk a little bit about savings and finances.
And her name is now other than Lorie Guzzy. Laurie,
how are you today?
Speaker 3 (00:53):
I'm great? Thank you.
Speaker 2 (00:55):
Laurie is the CEO of the Painesville Credit Union in Paynesville, Ohio. Laurie,
what are some of the benefits of becoming a member
and tell us a little bit about yourself, the credit
union and operations.
Speaker 3 (01:10):
Okay, Well, I started as a teller here twenty five
years ago, so I've worked every position in the credit union,
which I think gives me some great insight into how
we can help our members. I have put together a
fantastic team of employees that really listen and want to
be here. They want to help members in the community,
and our membership is open to anybody who lives, works, worships,
(01:33):
or attend school in Lake County. We've been in business
since nineteen forty two, so we're not going anywhere. I
have four families or four generations of families that bank
with us. I think that's kind of cool that there's
all these generations that they keep coming back, so there
must be a good reason. And we have people that
have belonged here for over fifty years.
Speaker 2 (01:56):
Oh, that's awesome. What are some of the benefits of
being a member credit union as opposed to just you know,
your traditional banks.
Speaker 3 (02:04):
I believe the best benefit is that we know you.
We get to know our members, We get to know
their families, we get to know their finances, we get
to know their situations. When you know somebody on a
more personal level, you can help them if they're in trouble,
you can suggest things, you can help them revise their budget.
Just when we we really try to have that personal touch.
(02:27):
And I really truly believe that when you're part of
the community and you get to know the people who
come through your door, you can offer so much more.
You can help them more.
Speaker 2 (02:36):
Absolutely. So. We're in the midst of a holiday season,
which I say the holidays. Yes, we're in the midst
of it. It's right here. What are some of the
programs or things that you have going on right now?
Speaker 3 (02:50):
Well, currently, we're offering a loan special Holiday loan special.
You can qualify for up to two thousand dollars. It's
a low interest rate six point ninety nine. The very
best part of this loan, in my opinion, is it's
twelve months, so you know that you have twelve payments
and you were done. You could use it for holiday expenses.
(03:10):
You could use it to go on a vacation. I
know people who renew it every year because they're remodeling
their home, or they want a new couch, and next
year they want a new entertainment system. There's so many
you can use it for anything you want. But I
love the fact that it's a low interest rate, and
I love that it's only twelve payments.
Speaker 2 (03:27):
Well, that's awesome. I know a lot of people would
like to take advantage of it. What's the best way
for folks that we do need to contact you? How
do they get started?
Speaker 3 (03:38):
They can go online to our website at painswillseee you
dot org and fill out a loan application. They can
check out some of the extra info on our Facebook page.
They can give us a call at the credit union
and I would actually love for them to just stop in.
I think we have a big, beautiful building and like
I said, I have the best staff in the world.
They're very welcoming. So they want to stop in and
(03:59):
ask questions and see what it's all about, They're more
than welcome to do that.
Speaker 2 (04:02):
Also, what phone number can they call it to reach you?
Speaker 3 (04:06):
They can call us at four four zho three, five,
two eight, nine seven four. Our phones turn on at
nine point thirty.
Speaker 2 (04:14):
A lot of young people start there, would like to
start their savings and are there different programs or things
that you have for young people.
Speaker 3 (04:24):
We don't have necessarily programs for young people, but we
encourage younger people to learn about finances and banking. So
when they come in and they want to open an account,
we are more than happy to explain to them interest
and how you save and you get paid for saving.
We have a really neat program with our debit card
called Swipe and Save, and every time you use your
(04:45):
debit card it will round that purchase up and put
the money into your savings account. We offer Christmas clubs.
We teach people about saving for Christmas, and a lot
of the young people like that too. So anything that
they're looking for, we'll figure out a way to make
it work for them.
Speaker 2 (05:01):
How does the Christmas programs start or work?
Speaker 3 (05:05):
The Christmas Club? So we have a Christmas Club program.
You open the Christmas Club up, you deposit whatever amount
you want. You can have it come off your payroll,
so a set of amount goes in each pay You
can do the Swipe and save and have it going
to your Christmas club. We hold those funds until November first,
so you have all year to build up. I actually
(05:26):
started my Christmas Club again November first. I took my
money out and started it all over again. I use
the Swipe and Save program, and I can tell you
from November first until now, I have twelve dollars in
there already, and that's simply from rounding up my purchases.
Speaker 2 (05:40):
Oh that's awesome. That can make a big difference. I
think we need to teach more people to get young
people too started saving and understand the benefits of it.
Let's see what else we were going to ask you
before we close.
Speaker 3 (05:55):
I would love to tell you about our choice for tis.
Speaker 2 (05:58):
Okay, let's speak. Let's see.
Speaker 3 (06:00):
For over twenty years we have participated in the Toys
for Tots program of Lake and Jaga County. So we
have bins here and anybody who wants to donate can
drop off a new, unwrapped toy for children ages zero
to twelve. We also have Malley's candy bars for sale
and all the proceeds go for Toys for Tots and
this year brand new. Dana's hard at work on it
(06:21):
right now. We're going to have a basket raffle that
you can start buying tickets on on November twenty fifth.
She's anticipating at least twenty different baskets. All of our
business members have donated them, and all of those proceeds
will go for Toys for Tots also.
Speaker 2 (06:36):
That's awesome. One other thing, Yes, we heard that you're
opening a new location. Can you talk about that absolutely.
Speaker 3 (06:45):
We recently purchased six acres in North Perry Village. It's
right en Route twenty, just east of Townline Road. We
have the drawings in the building if anybody wants to
come and see. It'll be a little smaller branch, but
that will be our second branch so that we can
serve that part of Lake County. We have many members
(07:06):
that already live in Perry and Madison, and when we
looked at the big picture and said, how can we
help our members and potential members the most, building a
branch out that way just came to the top of mind.
So that's what we're working on.
Speaker 2 (07:19):
That's awesome. It's good to be a part of a institution,
financial institution that's growing. What about mortgages, I know a
lot of people are considering buying a home. Is there
anything that you do in that area.
Speaker 3 (07:33):
We don't write mortgages in a house, but we do
partner with a company called Mortgage Center. They're out of Michigan.
They strictly work with credit unions and one of the
reasons we partnered with them we were referred by several
credit unions to them. But the other thing we liked
is they offer such a variety of loans. They have
home equity loans, they have purchased, they have refinance, they
(07:55):
have hobby farm loans, they have mobile home loans, they
have property loans, construction loans, so they have a great
bunch of products to choose from, and you can go
online to Mortgage Center and look at their rates every day,
look at all their loan offerings. And then you have
to belong to a credit union. So even if you
(08:17):
don't belong currently and you look at it and think, wow,
I really want to work with them, you can come
in and join Painsville Credit Union and we refer you over.
Speaker 2 (08:25):
Oh wow, that's a great benefit. Well, Laurie, you're going
to say thank you for being our guest today and
thank you for sharing information that our listeners can take
advantage of. And again we want you to just have
much success that you and your the institution at Painsville
Credit Union, and again thank you for being with us today.
Speaker 3 (08:46):
Thank you so much. I love talking about the credit union.
The following is a presentation of FCB Faith. This is
Keeping America First with Bishop John T. Cotes and Reverend
Jeff Jemison on FCB Faith.
Speaker 2 (00:21):
Good morning. It's always a great day to get our
finances in order and to hear about the great things
during this holiday season that we can do to kind
of get prepared and take advantage of different things. And again,
with the economy the way it is, finances are always
of a concern. And we have a guest this morning
(00:42):
who's gonna just talk a little bit about savings and finances.
And her name is now other than Lorie Guzzy. Laurie,
how are you today?
Speaker 3 (00:53):
I'm great? Thank you.
Speaker 2 (00:55):
Laurie is the CEO of the Painesville Credit Union in Paynesville, Ohio. Laurie,
what are some of the benefits of becoming a member
and tell us a little bit about yourself, the credit
union and operations.
Speaker 3 (01:10):
Okay, Well, I started as a teller here twenty five
years ago, so I've worked every position in the credit union,
which I think gives me some great insight into how
we can help our members. I have put together a
fantastic team of employees that really listen and want to
be here. They want to help members in the community,
and our membership is open to anybody who lives, works, worships,
(01:33):
or attend school in Lake County. We've been in business
since nineteen forty two, so we're not going anywhere. I
have four families or four generations of families that bank
with us. I think that's kind of cool that there's
all these generations that they keep coming back, so there
must be a good reason. And we have people that
have belonged here for over fifty years.
Speaker 2 (01:56):
Oh, that's awesome. What are some of the benefits of
being a member credit union as opposed to just you know,
your traditional banks.
Speaker 3 (02:04):
I believe the best benefit is that we know you.
We get to know our members, We get to know
their families, we get to know their finances, we get
to know their situations. When you know somebody on a
more personal level, you can help them if they're in trouble,
you can suggest things, you can help them revise their budget.
Just when we we really try to have that personal touch.
(02:27):
And I really truly believe that when you're part of
the community and you get to know the people who
come through your door, you can offer so much more.
You can help them more.
Speaker 2 (02:36):
Absolutely. So. We're in the midst of a holiday season,
which I say the holidays. Yes, we're in the midst
of it. It's right here. What are some of the
programs or things that you have going on right now?
Speaker 3 (02:50):
Well, currently, we're offering a loan special Holiday loan special.
You can qualify for up to two thousand dollars. It's
a low interest rate six point ninety nine. The very
best part of this loan, in my opinion, is it's
twelve months, so you know that you have twelve payments
and you were done. You could use it for holiday expenses.
(03:10):
You could use it to go on a vacation. I
know people who renew it every year because they're remodeling
their home, or they want a new couch, and next
year they want a new entertainment system. There's so many
you can use it for anything you want. But I
love the fact that it's a low interest rate, and
I love that it's only twelve payments.
Speaker 2 (03:27):
Well, that's awesome. I know a lot of people would
like to take advantage of it. What's the best way
for folks that we do need to contact you? How
do they get started?
Speaker 3 (03:38):
They can go online to our website at painswillseee you
dot org and fill out a loan application. They can
check out some of the extra info on our Facebook page.
They can give us a call at the credit union
and I would actually love for them to just stop in.
I think we have a big, beautiful building and like
I said, I have the best staff in the world.
They're very welcoming. So they want to stop in and
(03:59):
ask questions and see what it's all about, They're more
than welcome to do that.
Speaker 2 (04:02):
Also, what phone number can they call it to reach you?
Speaker 3 (04:06):
They can call us at four four zho three, five,
two eight, nine seven four. Our phones turn on at
nine point thirty.
Speaker 2 (04:14):
A lot of young people start there, would like to
start their savings and are there different programs or things
that you have for young people.
Speaker 3 (04:24):
We don't have necessarily programs for young people, but we
encourage younger people to learn about finances and banking. So
when they come in and they want to open an account,
we are more than happy to explain to them interest
and how you save and you get paid for saving.
We have a really neat program with our debit card
called Swipe and Save, and every time you use your
(04:45):
debit card it will round that purchase up and put
the money into your savings account. We offer Christmas clubs.
We teach people about saving for Christmas, and a lot
of the young people like that too. So anything that
they're looking for, we'll figure out a way to make
it work for them.
Speaker 2 (05:01):
How does the Christmas programs start or work?
Speaker 3 (05:05):
The Christmas Club? So we have a Christmas Club program.
You open the Christmas Club up, you deposit whatever amount
you want. You can have it come off your payroll,
so a set of amount goes in each pay You
can do the Swipe and save and have it going
to your Christmas club. We hold those funds until November first,
so you have all year to build up. I actually
(05:26):
started my Christmas Club again November first. I took my
money out and started it all over again. I use
the Swipe and Save program, and I can tell you
from November first until now, I have twelve dollars in
there already, and that's simply from rounding up my purchases.
Speaker 2 (05:40):
Oh that's awesome. That can make a big difference. I
think we need to teach more people to get young
people too started saving and understand the benefits of it.
Let's see what else we were going to ask you
before we close.
Speaker 3 (05:55):
I would love to tell you about our choice for tis.
Speaker 2 (05:58):
Okay, let's speak. Let's see.
Speaker 3 (06:00):
For over twenty years we have participated in the Toys
for Tots program of Lake and Jaga County. So we
have bins here and anybody who wants to donate can
drop off a new, unwrapped toy for children ages zero
to twelve. We also have Malley's candy bars for sale
and all the proceeds go for Toys for Tots and
this year brand new. Dana's hard at work on it
(06:21):
right now. We're going to have a basket raffle that
you can start buying tickets on on November twenty fifth.
She's anticipating at least twenty different baskets. All of our
business members have donated them, and all of those proceeds
will go for Toys for Tots also.
Speaker 2 (06:36):
That's awesome. One other thing, Yes, we heard that you're
opening a new location. Can you talk about that absolutely.
Speaker 3 (06:45):
We recently purchased six acres in North Perry Village. It's
right en Route twenty, just east of Townline Road. We
have the drawings in the building if anybody wants to
come and see. It'll be a little smaller branch, but
that will be our second branch so that we can
serve that part of Lake County. We have many members
(07:06):
that already live in Perry and Madison, and when we
looked at the big picture and said, how can we
help our members and potential members the most, building a
branch out that way just came to the top of mind.
So that's what we're working on.
Speaker 2 (07:19):
That's awesome. It's good to be a part of a institution,
financial institution that's growing. What about mortgages, I know a
lot of people are considering buying a home. Is there
anything that you do in that area.
Speaker 3 (07:33):
We don't write mortgages in a house, but we do
partner with a company called Mortgage Center. They're out of Michigan.
They strictly work with credit unions and one of the
reasons we partnered with them we were referred by several
credit unions to them. But the other thing we liked
is they offer such a variety of loans. They have
home equity loans, they have purchased, they have refinance, they
(07:55):
have hobby farm loans, they have mobile home loans, they
have property loans, construction loans, so they have a great
bunch of products to choose from, and you can go
online to Mortgage Center and look at their rates every day,
look at all their loan offerings. And then you have
to belong to a credit union. So even if you
(08:17):
don't belong currently and you look at it and think, wow,
I really want to work with them, you can come
in and join Painsville Credit Union and we refer you over.
Speaker 2 (08:25):
Oh wow, that's a great benefit. Well, Laurie, you're going
to say thank you for being our guest today and
thank you for sharing information that our listeners can take
advantage of. And again we want you to just have
much success that you and your the institution at Painsville
Credit Union, and again thank you for being with us today.
Speaker 3 (08:46):
Thank you so much. I love talking about the credit union.
Popular Podcasts
New Heights with Jason & Travis Kelce
Football’s funniest family duo — Jason Kelce of the Philadelphia Eagles and Travis Kelce of the Kansas City Chiefs — team up to provide next-level access to life in the league as it unfolds. The two brothers and Super Bowl champions drop weekly insights about the weekly slate of games and share their INSIDE perspectives on trending NFL news and sports headlines. They also endlessly rag on each other as brothers do, chat the latest in pop culture and welcome some very popular and well-known friends to chat with them. Check out new episodes every Wednesday. Follow New Heights on the Wondery App, YouTube or wherever you get your podcasts. You can listen to new episodes early and ad-free, and get exclusive content on Wondery+. Join Wondery+ in the Wondery App, Apple Podcasts or Spotify. And join our new membership for a unique fan experience by going to the New Heights YouTube channel now!
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!
Fudd Around And Find Out
UConn basketball star Azzi Fudd brings her championship swag to iHeart Women’s Sports with Fudd Around and Find Out, a weekly podcast that takes fans along for the ride as Azzi spends her final year of college trying to reclaim the National Championship and prepare to be a first round WNBA draft pick. Ever wonder what it’s like to be a world-class athlete in the public spotlight while still managing schoolwork, friendships and family time? It’s time to Fudd Around and Find Out!