Simply Invaluable! insights & information September 2016

happy? Simply ask that’s because

( Bill! you’re living mortgage-free! Bill Reed Sikorsky Plant Branch Manager

Q. Sometimes my account Advantage Mortgage statements don’t make it into refinance and relax! fixed rates as low as: the file cabinet - is there a • Pay off your mortgage faster and live Term Rate APR(1) way to access them online? mortgage-free 8 yr. 2.59 % 2.69 % A. Yes, there is a simple solution! Rates are low & it’s easy to apply • % % Easily access all of your statements online: www.sikorskycu.org/freedom 12 y r. 2.99 3.06 without the overstuffed file cabinet – or visit any local branch $50,000 - $417,000 simply sign up for eStatements! amounts available (1) APR = Annual Percentage Rate. Rates quoted are valid as of the effective date of this publication and are subject to change at any time. Call Simplify with eStatements: 1-888-753-5553 or visit Sikorskycu.org for current rates. Nonrefundable Application Fee of $349 is required. Finance up to 80% of the value of your home. Payment example for an 8 year fixed rate $100,000 loan with an APR of 2.69% is repayable in 96 monthly payments of $1,154.43. • Track your past spending 24/7! Payment example for a 12 year fixed rate $100,000 loan with an APR of 3.06% is repayable in approximately 144 monthly payments of $827.32. Access up to 24 months of Taxes and insurance are not included in the payment examples. A $400 origination fee will be collected at the closing. All are subject to eStatements anywhere and credit approval. This program is only for refinancing eligible single family, owner-occupied dwellings in Connecticut. any time using . • See your statement sooner. eStatements are available 4 to 7 days before mailed statements! They are more secure than a statement get a FREE, no sitting in a mailbox. obligation mortgage • Save statements your way. Save eStatements to your computer check-up and/or print a hard copy if you prefer your file cabinet. It’s always great to know you have eStatements as backup Our home loan consultants can help make sure in case you forget to file one! your mortgage dollars are working as hard as Contact Tim Cahill NMLS #632508 possible toward your goals. Learn how you may: Sign up for eStatements today! (203) 383–7402 Login to Online Banking, select the • Reduce your monthly mortgage payment OR eStatements tab, and follow the Contact Lee Stater Tap your home equity prompts. • NMLS #404805 • Pay off your mortgage faster (203) 383-7492 It’s that easy! –Bill • Purchase a home

Stratford • Milford • Shelton • Seymour • Danbury • www.SikorskyCU.org

Federally Insured by NCUA. © Sikorsky Financial , Inc. 9/16

banking up-grade before the back seat breakfast but after you’ve for back to fed the dog. school. Whether you’re an early bird, a night owl, or a midday multi-tasker ... shopping for a new or used car? rates as low as: you’ll be able to access your • Finance the purchase of a new or new cars used cars Sikorsky Credit Union account used vehicle % % from your computer, tablet or • Refinance an existing auto loan from 1.89 APR(2) 1.99 APR(2) mobile phone whenever it fits another lender Up to 60 month term in to your schedule.

Get pre-approved online today! www.sikorskycu.org/loanapp Sign up for e-banking today, or visit your local branch then visit us any time you want!

(2) APR = Annual Percentage Rate. Rates quoted are valid as of the effective date of this publication and are subject to change at any Sign up online: time. Call 1-888-753-5553 or visit Sikorskycu.org for current rates. A payment example for a $25,000 new car loan for 60 months with an APR of 1.89% is approximately $436.99. A payment example for a $15,000 used car loan for 60 months with an APR of 1.99% is www.sikorskycu.org/ebanking approximately $262.85. Rate reflects a .25% discount for automatic payments from a Sikorsky Credit Union account. Up to 100% financing Call: 203-377-2252 including tax, warranties and license. Rates are determined by your credit history and term selected and may range from 1.89% to 14.49%. Used auto rates apply to model years 2013 or newer. Older used vehicle terms and rates also available. or visit any local branch

Plan for the SecurLOCK Text Fraud future today. Alerts help protect your credit and debit cards Call me today to schedule a consultation

Sikorsky Credit Union will immediately text you if we – John R. Morris suspect an unusual or suspicious transaction! Financial Consultant

Sikorsky Credit Union has always monitored your debit 1000 Oronoque Lane, Stratford, CT 06614 Do we have your Phone: (203) 383-7404 and transactions for fraud. Now we can current contact quickly send you a text message if we see an unusual information? Fax: (203) 378-7214 e-mail: [email protected] or suspicious transaction to help you respond to Ask a branch potential fraudulent activity more efficiently. member service representative to confirm that If you receive a fraud alert text message from Sikorsky your cell phone Credit Union, simply respond “Yes” if you authorize the and email transaction. Otherwise reply “No”. And don’t worry – information is up to date, or call if you miss our text, we’ll also try to call you as we’ve Member Services John Morris is a registered representative with, and securities offered always done. at 203-377-2252 through LPL Financial, member FINRA/SIPC. Insurance products offered or 888-753-5553. through LPL Financial or its licensed affiliates, Sikorsky Financial Credit Learn more at: www.sikorskycu.org/cardsecurity Union and Sikorsky Financial Services Group are not registered broker/dealers nor affiliates of LPL Financial. Please note: Text alerts are free, but standard rates and fees may apply from your wireless carrier. Not NCUA Insured Not Credit Union Guaranteed May Lose Value

Stratford ...... 1000 Oronoque Lane (203) 377-2252 Stratford ...... 2505 Main Street (Stationhouse Square) (203) 377-5888 www.SikorskyCU.org Milford ...... 15 Turnpike Square (Post Road) (203) 876-3370 or call 1 (888) 753-5553 Shelton ...... 711 Bridgeport Avenue (next to Sears) (203) 929-2004 Seymour ...... 253 West Street/Route 67 (203) 881-0550 Danbury ...... 345 Main Street (203) 743-3891