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International Credit Union Day Celebrates “The Authentic Difference”!

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International Credit Union Day Celebrates “The Authentic Difference”! THE CAROLINECAROLINECAROLINE FALL 2016 1200 East Church Street • Cherryville, NC 28021 • (800) 378-1955 • (704) 435-0186 • www.carolinafcu.org • [email protected] Holiday Closings: Columbus Day Veterans Day Thanksgiving Holiday Christmas Day Monday, October 10 Friday, November 11 Thurs., Nov. 24 & Fri., Nov. 25 Monday, December 26 INTERNATIONAL CREDIT UNION DAY CELEBRATES “THE AUTHENTIC DIFFERENCE”! On Thursday, October 20, 2016, credit unions around the world will be celebrating International Credit Union Day...please come to Carolina Federal Credit Union and join in on the celebration! Credit unions are not-for-profit financial cooperatives, offering the same services as other financial institutions, but with a people-first philosophy. Since 1948, on the third Thursday of every October, credit unions have celebrated the principles that make credit unions the best financial partners of people all over the world. “The authentic difference,” this year’s ICU Day theme, zeroes in on what makes credit unions different from banks, and other financial institutions—our principles. Credit unions all over the world have operated according to the same core principles since the 1850s, when a group of weary German workers, tired of being exploited by loan sharks, formed the world’s first credit union by banding together to provide affordable credit to each other. These principles are derived from the 7 Cooperative Principles, shared by all cooperatives. They are: 1. Democratic Control - One member = One vote. Whether you have $5 or $5 million, your voice is equal. 2. Open and Voluntary Membership - Members are connected by a bond of association, fostering a sense of community. 3. Non-Discrimination - Credit unions are open to all without regard for race, orientation, nationality, sex, religion, gender, or politics. 4. Service to Members - Credit unions are ranked No. 1 in service in numerous surveys, because they exist to serve members, not profit. 5. Distribution to Members - Credit unions return all profits to their members through dividends, lower fees, better savings rates, and improved services. 6. Building Financial Stability - Credit unions are historically stable organizations. They’re owned by the people they serve, so they don’t take unnecessary risks. 7. Cooperation Among Cooperatives - Credit unions and cooperatives share the same principles. Together, they amplify each other’s good works. 8. Social Responsibility - Credit unions strive for social justice by committing to strengthening their communities and helping people of modest means. 9. Ongoing Education - Credit unions prioritize financial education for their members, employees, and communities as part of their pursuit of social justice. This is why we celebrate ICU Day at Carolina Federal Credit Union. We think ideas like people before profit, social responsibility, and financial education improve lives. It’s why cooperative banking is a key component of helping people in developing countries get access to microloans, or a middle-class couple in our community receive an affordable mortgage for their first home. So when we wish you a Happy ICU Day at Carolina Federal Credit Union, know that we’re thanking you for belonging to a movement that’s helping your neighbors—and people around the world—grow and thrive and follow their dreams. Again, stop in and celebrate with us on Thursday, October 20! We’ll have some cake and other goodies for you too! Carolina Federal Credit, where we treat you like family…because you are! IT’S THE TIME OF YEAR FOR GIVING… AND AT CAROLINA FEDERAL CREDIT UNION WE ARE GIVING YOU A CHANCE TO WIN $100, PLUS ANOTHER $100 TO YOUR FAVORITE NON-PROFIT CHARITY! You opened your savings account at Carolina Federal Credit Union, but never got around to opening a checking account? Have a checking account at another financial institution and looking to make life simpler, with no fees? Open a totally “free” checking account at Carolina Federal Credit Union and we’ll give you more than interest, we’ll give you a chance to win $100 just in time for the Holidays! Plus, name your favorite non-profit charity and we’ll give them $100 too! Drawing will be held on Friday, December 16th. Contact a Member Service Representative today to learn more at (800) 378-1955. Get a checking account that pays you back today! LOVE YOUR SAVINGS Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about. Carolina Federal Credit Union offers you exclusive discounts and benefits on products and services you use everyday. Credit union members have already saved over $1.6 billion with Love My Credit Union Rewards discounts. So along We treat you like family...because you are. with lower loan rates and fewer fees, here’s another way you can save even more. 1200 1200East E. ChurchCHURCH STREET,Street CHERRYVILLE,• Cherryville, NC NC 28021 28021 Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data (800) 378-1955 / (704) 435-0186 www.carolinafcu.org service. Valid in conjunction with other credit union and most Sprint National handset offers and promotions (800) 378-1955 • (704) 435-0186 Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal www.carolinafcu.org Save up to $15 on TurboTax Federal tax products [email protected] Save on services for your home from ADT, DIRECTV, Allied, and more Earn cash back when you shop at over 1,500 online retailers with Love to Shop The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org. *Based on individual roadside assistance plan AU T O SMART – BE SMART!! EQUAL HOUSING We invite you to use an educational resource which makes it easy for you to make a wise decision on your new or used automobile purchase! LENDER • Build your own vehicle with the options you want, with interior and exterior views of the vehicle • Compare prices, features and relative advantages of up to 3 vehicles side-by-side • Research automobile review to help you make a final decision Car Sales Being able to get a CFCU loan right at the dealership within CUDL, the credit union lending program – makes you a Hassle-Free Buying, Worry-Free Ownership smart shopper! Decisions are made quick and easy, plus you have the peace of mind knowing you are getting your loan through your credit union. Visit AutoSmart on our website at www.carolinafcu.org or download the app today! LET CAROLINA FEDERAL CREDIT UNION SIMPLIFY YOUR LIFE! We want you to be able to take us wherever you go! Make mobile account access easy with our mobile app and on-line banking where you can check your account balance, transfer funds, and more – right from your smartphone! Don’t have a smartphone yet or are looking to upgrade? Sign up for the Sprint Credit Union Member Discount and you’ll get a 10% discount on select regularly priced Sprint monthly data service. Carolina Federal Credit Union’s mobile account access and the latest smartphone at a great price from Sprint – two ways we can simplify your life! Visit www.carolianfcu.org to see our mobile banking options and begin simplifying your life today. Visit LoveMyCreditUnion.org/Sprint to find out how you can get the Sprint Credit Union Member Discount. WE WOULD LIKE TO STEAL YOUR LOAN AND PUT SOME EXTRA JINGLE IN YOUR POCKET FOR THE HOLIDAYS! If you have a loan somewhere else, you may be paying too much!! We’ve got money to lend, plus we’ll pay you $100 when you move your loan from another financial institution. It’s a simple process, just give us a call or complete a loan application on-line at www.carolinafcu.org. This offer cannot be combined with any other offer and the loan must be approved for $5,000 or greater. Get smart about your financing and talk to us today! “SKIP A PAYMENT” PUTS EXTRA JINGLE IN YOUR POCKET FOR THE HOLIDAYS! During the months of November and December, Carolina Federal Credit Union will allow you to choose and skip “one month” on your loan payments for a $30 administration fee, per each loan payment. Additionally, if you take an advance from your personal loan or take a new loan between November and December, your payment will not be due until February, 2016. Simply fill out the application below and drop it by the credit union, mail it, or email us at [email protected] Member Name __________________________________________ I hereby request the credit union to skip either my November or December payment. I understand the finance charges will continue to accrue on all new Telephone # _____________________________________________ and existing balances during the skip payment period (Nov. 1, 2016 through Name of Loan you wish to skip: Dec. 31, 2016) pursuant to my agreements with the credit union and that all terms and conditions will apply after the payment period. ________________________________________________________ Select the month you would like to skip (check one month only) Signature: _________________________________________________ ___ November, payment date(s) ___________________________ This pass cannot be used to make the first payment. The payment amount will remain the same, but skipping a payment would extend the terms of your loan. This pro- ___ December, payment date(s) ___________________________ motion excludes all types of home equity home equity, real estate loan, or Visa Credit Where do you want us to deduct the $30.00 administrative fee Cards. You must be in good standing with the credit union prior to approval. If you per loan from? have a weekly, semi-weekly or bi-weekly payment, this promotion applies to the entire month of payments.
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