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TruChoice's 2022 Annual Meeting will be held on Tuesday, April 26th, 2022, at 5:30pm. There will be an option to attend in person at the University of Southern Maine, Abromson Center, Room 109/110, 88 Bedford Street, Portland, ME 04101. There will also be an option to attend this meeting virtually, and more information will be shared as we get closer to the meeting date. All members are welcome to attend.


On behalf of the membership and in accordance with the bylaws, the Nominating Committee has placed in nomination the following individuals for three-year terms on the Board of Directors:

Stephen Hawkes- Steve is the Senior Human Resources Director at Creative Works. He earned a Bachelor of Arts in Economics and a Bachelor of Science in Accounting from the University of Southern Maine. Steve was a Finance Director for 2 years and has over 25 years of experience with financial analysis, accounting, and human resources.

Gary Morse – Gary joined the Board in 2020, has been a member of the Credit Union and the Supervisory Committee since 2006 and is currently serving as the Supervisory Committee Chair. Gary has been employed with Unum since 1993 and is currently the Director on the Finance Advanced Analytics Team and an Associate of the Society of Actuaries.

On behalf of the membership and in accordance with the bylaws, the Nominating Committee has placed in nomination the following individual for a one-year term on the Board of Directors:

Jean Nichols Wood – Jean is an Account Management Executive at Cross Benefit Solutions, with over 25 years of experience in health insurance and employee benefits in Maine.  She is a lawyer and a Registered Nurse, with a Bachelor of Arts and a Juris Doctorate degree from St. John’s University and an Associate Degree in Nursing from Central Maine Medical Center College of Nursing and Health Professionals.  She served on the Board of Directors of the Blue Cross and Blue Shield of Maine Employees Credit Union since 2014, and as the Chair since 2017.

The election of board members will take place at the annual meeting and will not be conducted by ballot, nor will nominations from the floor be permitted, as outlined in the credit union’s bylaws. Therefore, members wishing to be considered for the position of Director need to submit, in writing, a statement of qualifications; a letter of intent to serve; and a petition with the signatures of 1% of the credit union’s membership (this is approximately 122 members as of 11-30-2021). This information must be received prior to February 18, 2022. Please send to: Kenneth Acker at TruChoice Federal Credit Union, PO Box 10659, Portland, ME 04104.


We allow non-Visa debit transaction processing. This means you may use your Visa® Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN to authenticate your transactions. The non-Visa debit network for which such transactions are allowed is Accel. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of a PIN. Please be advised that the terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. If you have any questions, please give us a call.


Members who have Traditional and Roth Individual Retirement Accounts can make deposits for tax year 2021 through April 15, 2022. Please specify the tax year at the time of deposit. All IRA balances as of 12/31/21 reflect Fair Market Value. This Fair Market Value info is being furnished to the Internal Revenue Service.


1098s and 1099s will be sent to members with tax information for 2021 before 1/31/22. If you paid less than $600 interest on your mortgage loan, you will not receive a 1098. All members will receive a 1099-INT replacement on their final statement of 2021. Your year-end statement contains important tax information that is being reported to the Internal Revenue Service (IRS) on your behalf. No paper copy of the 1099-INT tax form will be mailed. To read the "Instructions for Recipient" information from the back of a standard 1099- INT form, visit These instructions explain how to read the tax information that appears at the end of your December statement.