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6Expenses to Include in Your Homebuying Budget ANCHOR LINES NAVIGATOR CREDIT UNION Summer 2018 Expenses to Include in 6 Your Homebuying Budget Get a Fresh Start with Your Credit Union Inicie Bien Esta Temporada Con su Cooperativa de Crédito Recipe: 5 a Day Salad pg 7 www.navigatorcu.org MESSAGE FROM THE PRESIDENT & CEO Working in Your Best Interest t Navigator Credit Union, our of our Members goes beyond higher savings rates, lower loan A Members are at the center of rates and fewer fees. We’re dedicated to remaining a financially all we do. That’s why “Working in sound institution poised to securely serve you, our member- Your Best Interest” was the theme owners for decades to come. for our 79th Annual Shareholders’ Meeting. It’s more than a slogan, Here are a few things you may not know about Navigator it’s fundamental to our Member Promise. Each and every day Credit Union: throughout the year, Navigator Team Members work together • Largest State-Chartered Credit Union in Mississippi to fulfill our pledge to: • 12.28% Capital (considered well capitalized) • Financially Sound • Simplify Your Life • 2nd Largest Credit Union in Mississippi • Protect Your Privacy • Asset size: $350,868,270. • Work in Your Best Interest • Help You Achieve Financial Success. Check Inside In this issue, you’ll learn more about home buying and our friendly, Delivering the Navigator Member Promise local Mortgage Services and planning for your future with NCU The products and services offered by your credit union reflect Wealth Management, one of the nation’s top financial services that pledge, as we work together to deliver personal and programs. There are lots of good reasons to choose a credit union comprehensive services focused on your needs. We’re proud as your primary financial institution and even more as to why that to offer unique and beneficial services to help you achieve credit union should be Navigator! financial success. Our Save'N Up Debit Card Savings Program paid Members nearly $73,000 last year, and the Build'N Up We’re grateful for your membership and support. You can be Credit Builder Loan Program provides a way to establish credit assured the Navigator Team will continue working in your best while saving toward a personal goal. We’re helping to protect interest now and in the years to come. your privacy with the innovative CardValet app for smart phones, Thank you for being a Member! giving you the power to securely manage Navigator debit and credit cards in real time; it’s featured on Page 2 of this issue. Navigator was founded by members for members, and it's why we strive every day to remain focused on our mission of service, commitment and substantial value. Robert A. Fertitta Financially Sound, Ready for the Future President & CEO We are diligently pursuing new opportunities and seeking to improve, yet our commitment to working in the best interest IN THIS ISSUE: Get a Fresh Start with 6 Expenses to Include in Try the Bucket 2 Your Credit Union 3 Your Homebuying Budget 5 Approach to Investing Building a legacy of excellence for our members through service, commitment and substantial value. This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are for information only. No endorsement is implied. Images may be from ©iStock and/or ©Fotolia. Federally Insured by NCUA ©2018 Bluespire Marketing I bluespiremarketing.com Get a Fresh Start with Your Credit Union pringing forward into Summer is the • Debit and Credit card alerts. Sperfect time to take a fresh look at your Protect yourself against fraud and finances, and we can help! As a member- prevent overspending by setting up alerts owner of Navigator Credit Union, you’re to your computer or mobile device when not just a number. We’ve made a promise you use online banking. YOUR CARD, ON to help you achieve financial success, and our goal is to help you reach your goals. • Online bill pay. With online bill pay, you YOUR TERMS Safeguard your future by taking advantage avoid the hassle of making sure you have Get our new mobile app that of our services that empower you to make enough postage when you pay your bills. smart financial decisions and enjoy the Plus there’s no worrying about checks lets you control card usage benefits of the same services offered by getting lost or paying on time since and spending on the go! big banks, but with fewer fees, competitive you’re not sending bills through the mail. Navigator Credit Union now offers rates and friendly, neighborhood service. • Overdraft protection. Steer clear of CardValet,® a new card management Take another look at some of our services having your debit card transaction denied and fraud mitigation tool for debit and designed with you in mind. when your checking account balance credit cardholders. Simply download the ® • Automatic savings transfers. Rest is low by setting up overdraft transfer free app from the Apple App Store or ® easy knowing you’re saving money every and/or overdraft protection. Google Play Store, and then actively month with automatic savings. Set the control card usage on the go. We’re always ready to answer your amount you want deposited into your questions, so stop by a Branch, visit us Control Spending – Set general savings account on a regular schedule at www.navigatorcu.org or call our spending limits or specify merchant types, that works for you – and then forget Member Contact Center at 800-344-3281 such as gas, groceries or retail stores. about it. for assistance. Plus, set controls by location and change your settings anytime. Fraud Protection – Turn off your card when you’re not using it to help prevent Inicie Bien Esta Temporada fraud and easily turn it on when you’re ready to use it. And real-time alerts keep Con su Cooperativa de Crédito you informed. l verano ya se avecina y es la época Determine la cantidad que quiere que Monitor Finances – Wherever you Eperfecta para que comience a ordenar le depositemos en su cuenta de ahorros are, you can use CardValet to check sus finanzas ¡y podemos ayudarle! Como sobre una base regular conveniente your account balances and review miembro copropietario de Navigator para usted, y luego olvídese. transactions. Link more than one account Credit Union, usted no es solo un número. to keep track of all debit cards in one Nuestra promesa es ayudarle a lograr • Alertas de tarjetas de débito y easy-to-use application. el éxito financiero, y nuestra meta es crédito. Protéjase usted mismo contra fraudes y gastos excesivos; para ello, CardValet puts control of your Navigator ayudarle a lograr sus objetivos. Asegure su debit and credit cards right in your hands. futuro y aproveche nuestros servicios que configure alertas en su computadora le permitirán tomar decisiones financieras o dispositivo móvil cuando use la banca inteligentes y disfrutar de los mismos en línea. beneficios que ofrecen los grandes • Pago de facturas en línea. Con el de sobregiro o protección de sobregiro, bancos, pero con menos comisiones pago de facturas en línea, se evita la y asegúrese de que no le declinen las bancarias, con tasas competitivas y un preocupación de tener que contar con transacciones con su tarjeta de débito servicio amable, de fácil acceso y trato la cantidad suficiente de sellos postales cuando tenga un saldo insuficiente en su cercano. Dele otra mirada a parte de para enviar el pago de sus facturas. cuenta de cheques. nuestros servicios, que han sido diseñados Además, no tiene que preocuparse pensando en usted. de que el cheque se pueda extraviar Estamos siempre aquí para responder a sus preguntas, de modo que visítenos en • Transferencias de ahorro o no llegar a tiempo para el pago una de nuestras sucursales, en automático. Descanse seguro sabiendo de su cuenta. www.navigatorcu.org, o bien, llame a que está ahorrando cada mes con • Protección contra sobregiros. nuestro Centro de Servicio a los Miembros transferencias de ahorro automático. Configure la opción de transferencia al 800-344-3281 para solicitar asistencia. www.navigatorcu.org | 2 Expenses to Include in 6 Your Homebuying Budget hen you buy a home, it’s important on the value of your home and its location, were used to as a renter. You’ll probably Wto look beyond the sale price and but taxes and insurance together can want to replace the locks on all the doors. mortgage payment to set your budget. easily total a few hundred dollars a month. And you may need new window coverings, First-time homebuyers are sometimes rugs and furniture. caught off guard by overlooked expenses, Extra cash at closing. Your lender which can create an uncomfortable 4 should give you a detailed estimate Find the Right Mortgage financial pinch. Be sure you consider of closing costs. But beyond those, you The experienced mortgage specialists these one-time and ongoing expenses: may have to pay additional expenses, such at Navigator Credit Union can help you as a prorated portion of property taxes understand the true costs of home- Home inspection. Before you close or homeowners association fees that the ownership so you don’t encounter any 1 on your home, you’ll want to have it seller has already paid. unpleasant surprises. We’ll help you find thoroughly inspected by a professional. the right mortgage for your circumstances The move. Whether you hire Your lender may even require it.
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