Truck For Sale
1997 Ford Ranger - Like New Condition
28,000 miles - 5 speed transmission
Winter 2001 Newsletter
Choose The Card That's Got It All!
VISA Credit Card from your Credit Union
Have you considered what a VISA Credit Card from the Credit Union offers
you compared to what your existing credit cards offer?
Besides saving you money with our 25-day grace period to pay off your
new purchases without interest, the low rate on our card will also put
more money in your pocket! Take a look at your next credit card statement
to verify the annual percentage rate and monthly periodic rate charged
for purchases and cash advances on your accounts. Some credit cards
charge you 18%-21% or more for purchases made with their card. If you
carry a $2,000 balance on just one of these cards, you could be paying
over $390 in interest each year.
Let the Credit Union save you money by applying for our
VISA today! You pay the same low rate on purchases and cash advances.
This can mean significant savings for balances you may have on existing
cards. Depending on the number of cards you carry and your balances,
the savings you can receive by transferring your existing card balances
can add up quickly.
We also offer a 25-day grace period on new purchases so
you pay no interest from the date of the purchase
until the date you make payment in full as long as it is by the due
date on your statement. Beware of low
rate credit cards that do not have this grace period!
To apply for a Credit Union VISA or to transfer your other
credit card balances to a Credit Union card,
call us today!
Give the Gift of Credit Union Membership
The holiday season is a time of giving and sharing. As a member of
a credit union, you can put the finishing touches on your holiday
shopping by giving your family a gift that is priceless, credit union
Your Credit Union
helps youngsters learn the value of saving, and will be there when
they, as a young adult, need that first loan. Credit Union members
pay less for loans and earn good dividends on savings. Why not share
the hard-fought-for benefits of this membership with your family?
Many entire families enjoy Credit Union membership. Some members even
sign up their newborns to make sure that their children will always
have the benefits of belonging to a credit union.
busy to visit? Well, when you are out picking up your turkey and all
the trimmings, stop by your Credit Union to get membership cards for
those people in your family who are not Credit Union members.
A small amount is all you need to open an account and the benefits
of belonging last a lifetime. Still too busy? Give us a call and we
will send all the information and materials you need for the gift
that won't be exchanged after the holidays.
Why an IRA?
Social Security benefits are not intended to provide all of ones financial
resources upon retirement.
That's where an IRA comes in. By setting up a traditional Individual
Retirement Account at the Credit Union you'll be accomplishing three
important things. First, you'll be taking a giant step toward retirement
security by consistently setting money aside. Second, you'll be taking
advantage of yearly tax deductions. (These deductions vary and are dependent
on factors such as income, marital status, etc. Check with us for complete
details). And third, you'll be deferring taxes in the interest your
IRA accumulates until you begin withdrawing the money. This can be especially
advantageous because income at retirement usually drops and so should
Since 1998, IRA options and regulations have been enhanced to offer
even greater flexibility when planning your retirement savings. A Roth
IRA, for instance, allows a tax-free, non-deductible way to save for
retirement. After five years, withdrawal of principal and earnings are
tax-free for holders 59 1/2 or older.
In addition to this new type of IRA, the laws expanded other opportunities
for IRAs that may have significant benefits for you, too. Income limits,
waived penalties, lifted pension barriers and conditional withdrawals
are among other changes that were made.
For any given year, you have until April 15 (tax deadline) of the following
year to complete your contribution. Your Credit Union is ready to help
you make the most of your retirement savings. Call or visit us today!
Consolidate To Make Your Life Easier
Are your credit cards still smoking from holiday use and abuse? Now's
the perfect time to pay those bills off. The Credit Union offers a Debt
Consolidation Loan that can lower your monthly payments and make your
life easier. Consolidate
credit card balances, loans or other bills into one loan and get control
over your finances.
Use the convenience of payroll deduction to repay your loan and save money
on stamps, too. Or arrange for the automatic transfer of your payment
from your share savings account. It simply can't get any easier. Call
us today for more information about a Debt Consolidation loan from the
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