VISA Credit Card The One to Get the Shopping Done Before you head to the mall, make sure you're armed with the one card that will help you get your holiday shopping done. A VISA® Credit Card from Credit Union of Atlanta is a quick and easy way to pay for your purchases. And our low interest rate will help you keep those New Year's bills under control. Our VISA Credit Card offers: 8% APR* No Annual Fee 25-Day Grace Period Transaction Fees will apply for Cash Advances** Beat the crowds now, and beat those high interest charges later with help from your Credit Union of Atlanta VISA. For more information or to apply, call (404) 658-6465 or visit our main branch at 670 Metropolitan Parkway, Atlanta, GA 30310 today. *Annual Percentage Rate. ** Interest accrues from the date of the advance

Spread Christmas Cheer without Fear With a Christmas Club Account Are you afraid of what spreading Christmas cheer will do to your budget? Open a Christmas Club Account now, and next year you'll spend your holiday season shopping without fear. A Christmas Club Account allows you to save for your holiday shopping a little at a time and earn dividends on your funds. Make regular deposits with payroll deduction or deposit money at your convenience. Don't dread next year's holiday season. Open a Christmas Club Account and plan ahead. Call the credit union at (404) 658-6465 to find out how to open a Christmas Club Account today. If you had a 2007 Christmas Club Account, your check will be mailed to you or deposited to your account during the end of October 2007.

2006 Survey Results.Resulting in improvements in 2007!

In 2006, the Credit Union conducted a Membership Survey to determine how well we were serving our membership. A special Thank You to all the members who took the time to participate in the 2006 survey. We continue to make positive changes in 2007.

Listed below are the issues revealed in the 2006 survey, along with some improvements we have made in 2007:

• Customer service from employees - all employees have been involved in customer service training throughout the year, and we continue to provide training opportunities for all of our staff in order to serve our members with professionalism and courtesy. This is an area that we are constantly working on, and we have seen some improvement in our Mystery Shop program. The Mystery Shop program helps in two areas: It trains employees to welcome and greet all our members with a smile. It also teaches each employee about all of our products and services so that each member will better understand the features and benefits of each product.
• Loan application processing time - the Loan Department has been and continues to be revamped in order to provide quicker responses to loan applications. This is an ongoing process.
• Cross sell products and services - more than 27% stated that the tellers do not discuss other product and service options. The front line staff has been and continues to be trained on cross selling products and services. As noted previously, our Mystery Shop program will help in this area as well.
• Branch locations/hours - the credit union is looking at the relocation of the City Hall East branch to a new, more convenient location, and the issue of Saturday hours is being researched to determine its feasibility and cost effectiveness. However, one of our best kept secrets is the Shared Branch Centers. Many of our members live and work close to one of these locations and currently have the luxury of extended hours and Saturday hours. CUA members can do most of their transactions at these locations. If you would like to find the closest Shared Branch to you, go to our website at www.cuatlanta.org.

The overall satisfaction rating of 92% is fantastic; however; we still have some work to do to provide the highest quality member service to all of our members. We are striving to work for our members' financial well-being!