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Summer 2007 Newsletter

Attention Vehicle Shoppers
Our New & Used Car Loan Rates are Lower than Ever!

If you’re looking to get behind the wheel of a new or used car this summer, the Credit Union can help! We’ve got a variety of rates and terms to fill your needs, and with our quick and easy application process, you’ll be driving off in the car of your dreams in no time.

Our current rates start as low as 5.45% APR*!
Stop by the Credit Union or give us a call today!

*APR = Annual Percentage Rate. Rates are determined by Credit Scoring System. Your rate may be different.

Refinance to Get a Better Rate!

You don’t have to go out and buy a new or used car to take advantage of our low rates. If you already financed a vehicle through another financial institution, you can refinance that loan with us. Most likely, our rates are better, and we can give you a lower monthly payment without extending your loan’s original term.

Applying is simple. You can apply for a vehicle loan in person at our offi ce or through our website.

*Rates are determined by Credit Scoring System.

Spruce Up Your Home This Summer

Ready to make some home improvements? Want to install a new pool in time for the summer? Look no further than your home to fi nance your summer plans! With help from the Credit Union, you can tap into your home’s equity with a Home Equity Loan.

We’re currently offering rates as low as 5.75% APR*, and with a variety of terms to choose from, you’ll fi nd just what you need to fi t your lifestyle. The application process is quick and easy, so call the Credit Union today!

*APR = Annual Percentage Rate. Rate effective as of date of publication. Subject to change.

Share Credit Union Membership with Your Family

You already know that your Credit Union offers a variety of low-cost, financial services designed with you and your family in mind. No matter what your needs may be, your Credit Union offers many of the same products and services as commercial banks. We want to deliver these valuable products that provide the whole family with financial security through all stages of life.

As a not-for-profi t institution, the Credit Union generally pays higher rates on Savings Accounts and offers better deals on loans in comparison to other fi nancial institutions. With convenient services like direct deposit, online banking, and low-interest credit cards, we can help manage fi nances through regular savings and smart borrowing.

The Credit Union is focused on people, not profi ts. It is the mission of credit unions to serve people of modest means. We help educate members for a better fi nancial future. Regardless of how much you have on deposit, you have an equal voice in how your credit union is run. And since membership is for a lifetime, our services are available even if you retire, change jobs or move from the area.

Your Credit Union is just the place for your family members that need affordable fi nancial services. Share the gift of credit union membership with your family today!


Improve Your Credit Score

Follow these three easy steps, and you’ll boost your credit score in no time!

Pay Bills On Time
Late payments pull down your credit score, plus paying all those late fees can add up. Save money and help pull up your credit score all at the same time.

Pay the Maxed-Out Cards First
Points are deducted if you use more than 50% of your cardís limit. Pay your maxed-out credit cards, and your credit score will improve.

Donít Cancel Any Credit Cards
Most of your credit score is based on how much credit you have but arenít using. When you cancel a card, it will decrease the amount of your available credit.

If you are drowning in credit card or any kind of debt, give the Credit Union a call. We are your financial partner and want to help members keep their feet on the ground.

Continuing Series on Identity Theft: Protecting Your Credit

Your credit report follows you wherever you go, and locking away your personal and fi nancial information from identity thieves is essential. Good credit can be the difference between opportunity and denial, whether you’re applying for an Auto Loan, First Mortgage, or Student Loan.

Here are a few tips to ensure that your fi nances are secure and sensitive information is kept safe.

  • Shred any paperwork containing personal information. This includes ďjunkĒ mail offering credit card pre-approval.
  • Keep secure documents containing personal data in a locked fi le drawer, cabinet or box.
  • Limit the number of credit cards you use and carry.
  • Memorize your Social Security number and passwords to avoid having them recorded in your wallet or purse.
  • Order a copy of your credit report from each of the three major credit bureaus on a yearly basis.

For more tips on how to protect your credit, contact the Credit Union today. Our team of fi nancial experts is ready to provide you with advice and assistance.

We’re With You on the Road

You can access your account anytime with Online Banking, check balances and make transfers, all while you’re enjoying your summer vacation. Use your FREE credit union VISA® Check Card to access your money. We offer access to thousands of surcharge-free ATMs nationwide.

When you’re on the road, rest assured that the Credit Union is traveling with you. To sign up for any of these products and services, stop by the Credit Union today!

Holiday Closings

Independence Day • Wednesday, July 4
Labor Day • Monday, September 3

Past Newsletters

Summer 2000
Fall 2000
Winter 2000/2001

Spring 2001
Summer 2001
Fall 2001

Winter 2001-2

Spring 2002
Summer 2002

Fall 2002
Winter 2002-03

Spring 2003
Fall 2003
Winter 2003-04

Spring 2004
Summer 2004
Fall 2004
Winter 2004-05

Spring 2005
Summer 2005
Fall 2005
Winter 2005-06

Spring 2006
Summer 2006
Winter 2006-07

Spring 2007

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