Managing Your Credit

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Managing Your Credit October 2010 Vehicle loans Managing Your Credit As Low % It’s so easy to accumulate As 3.90 Fixed APR* too much credit, and to find yourself in a desperate situation – • 2010-2011 New Models too much credit and not enough • New Purchases Only (No Refinances) income to make the payments! • Terms Up To 60 Months • Be careful not to take on too much credit. • Up To 100% Financing Take the time to consider whether you really need to make that purchase. Always take the All, or at least most, good things come to an time to make sure you can handle the monthly offer ends end, and so does this low–rate vehicle loan payments. And, don’t get caught up on the “no st offer. However, you still have time because payments for one year” offers. Eventually, you have to october 31 this offer doesn’t end until October 31, 2010! pay off that amount, and if you don’t…you’ll usually pay interest all the way back from the time you made the So if you have your eye on a new 2010 or 2011 vehicle, come to purchase. SMSE for your loan. If you’re just starting to shop around, have your loan pre-approved. Then when you find the vehicle you want • Obtain your FREE annual credit report to be sure the to buy, your money will be available right away. information being reported about you is correct, and to verify that no fraud has taken place in your name. Your We make it easy for you to apply for your loan: annual credit report will give you a complete picture of • Online at www.smsefcu.com your credit situation. These reports are also used by • Call the Loan Department at 248-557-2678 employers when you apply for a job, when you apply for a • Stop by the Credit Union office loan, and even when you want to rent an apartment. Get your free credit report at www.annualcreditreport.com. *APR = Annual Percentage Rate, subject to change. Rate based on individual credit • NEVER borrow from Peter to pay Paul. In other words, history, use of Credit Union services, and down payment. New vehicle purchases for this offer (no refinances). Offer ends October 31, 2010. never get a loan to pay a loan. It’s tough to get out from under that kind of situation. •If you ever find yourself in a tough situation, call the counselors at Accel. This service is FREE to SMSE Accel Members Financial members (see article below). Counseling’s Extended Hours As a valued member of SMSE Federal Credit Union, we provide you with free access to money management and financial education services through Accel. You enjoy unlimited access to financial counselors without paying – it’s free! And now, Accel counselors are available until 12:00 a.m. EST, Monday through Thursday. Accel can give personalized answers to your individual needs. For issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away. Accel counselors are available Monday through Thursday 8 a.m. to 12 a.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org. Loans For The Holidays! If you need extra cash to make your holidays brighter, think about SMSE first for your loan. We have a wide range of loan programs available to you. SMSE VISA ® For Holiday Shopping Don’t get caught up using high-rate credit cards this holiday season. Some of those department store credit cards could be charging up to 25% interest, and other financial institutions have raised rates and fees associated with their credit card programs. At SMSE, we don’t play games. You can participate in our VISA programs, designed with you in mind. • 8.9% APR* VISA Platinum – limits from $5,000-$10,000 • 13.92% APR* VISA Classic – limits starting at $500 • No annual card fees • No default APR • 25-days to repay your balance before a finance charge is imposed • ATM access worldwide • No over limit fees • No balance transfer fees Apply for your SMSE VISA today and pay off those other credit card balances! For complete details on our VISA programs, visit our web site at www.smsefcu.com. *APR = Annual Percentage Rate Things You Should Know FYI : About Your Credit Union! You can avoid low-balance fees on your savings and checking account simply by maintaining average balances of $100. Better the $3.00 is in your pocket than the Credit Union’s. ATM deposits always have a hold period before the deposit is available. You can avoid this by depositing paychecks directly at your Credit Union or family service center office, or better yet, by direct depositing the funds into your account. Your debit and credit cards have extensive security systems to mitigate fraud risk. You can help by: 1) never letting your cards out of your possession, 2) being careful where you use your card – make sure there is not a “skimming” device attached to the ATM or point of sale device, 3) keeping careful track of your account, and 4) reporting anything that looks fraudulent, especially small transactions like $1.00 that you did not authorize. Your loan department wants you to know that most loan requests are answered within two hours. SMART Teller (voice response on your phone) and SMART Branch (home banking on your personal computer) are great tools to track your account balances at the Credit Union. If you keep over $5,000 in your savings or checking account, you can earn higher dividends with a Super Saver account. This account has a $500 minimum, and only two withdrawals are allowed monthly. Christmas Club accounts are a great way to begin saving now for your 2011 holiday ex - penses. We also have Vacation Club accounts available. See the sign-up form on page 4. If you need help with this year’s holiday expenses, we have a variety of unsecured loan and credit card programs available for you. Two important keys to financial success are: 1) keeping your Credit Union accounts balanced, and 2) saving on a regular basis. If you need help with these, please ask us. CO-OP Network ATMs are surcharge-free. To locate one in your area, you can go to www.co-opnetwork.org and look under the locator tab. Your Credit Union does not pre-screen your credit to make credit offers, but a lot of institutions do. If you want to prohibit the use on information contained in your credit file, unless you initiate the credit transaction yourself, you can instruct the credit reporting agencies to withhold your information by calling 1-888-567-8688 (888-5OPT OUT). Convenient Services For Hectic Lifestyles! Debit MasterCard: Make transactions on your checking account at any location displaying the MasterCard logo. Just swipe, in some cases enter your PIN, and go! ATMs: Use more than 28,000 surcharge-free ATMs nationwide available to you through the CO-OP Network. It’s easy to find a location near you by visiting www.co-opnetwork.org, text “MYCOOP” from your cell phone (enter the zip code for your location, the address, or intersection and receive a reply within one minute). You can also download the locations to your GPS, or call the toll-free locator at 888-SITECOOP (748-3266). SmartBranch – Home Banking: Access your account 24/7 to make transactions from any computer with Internet access. Service Centers: Visit Service Centers throughout Michigan and make transactions on your account. Service Centers offer evening and Saturday hours. For a location near you, visit www.cuservicecenter.com or call 1-800-919-2872. Direct Deposit: Authorize the direct deposit of your payroll, Social Security, retirement, or most recurring checks into your account at SMSE. Your money is deposited automatically on payday, even if you are out of town. No more waiting in lines on payday to deposit your check. If you are not currently participating in these services, make life just a littler easier for yourself and ask for these services today. Nominations Now Being Accepted The Nominating Committee is now accepting nominations for two positions on the Board of Directors currently being served by John H. Mills and Robert Andrews, and in addition to one opening on the Credit Committee currently served by Melva Johnson. If you are interested, please include your resumé and write to the Nominating Committee at the address shown below. Nominations must be received at the Credit Union office no later than 4:30 p.m., December 15, 2010. If only one person is nominated for each position, that person will be elected by Nominating Committee acclamation. If there is more than one SMSE Federal Credit Union candidate nominated for each position, an 17135 W. 10 Mile Road election will take place at the Annual Meeting. Southfield, MI 48075-2933 Committee Members Needed SMSE is governed by a Board of Directors, made up of elected members volunteering their time to help guide your Credit Union through these challenging economic times. In addition to the Board of Directors, we have various committees that also assist in the ongoing growth and development of the Credit Union. We are always looking for members who are willing to volunteer their time. For details and to discuss the types of positions available, please call Martin Hansen at 248-557-2406, e-mail [email protected], or write a letter to the Nominating Committee expressing your interest.
Recommended publications
  • From the President Dear Credit Union Member
    Official Publication of North Georgia Credit Union. October 2017 From The President Dear credit union member, Although the holidays are a magical time fami- lies look forward to each year, I know it can also be a time of stress for many due to the expense that comes with giving gifts, attending holiday parties, preparing feasts and more. We often get caught up in the celebration and end up spending more than we should or even creating new debt to take into the New Year. So, to help alleviate some of your stress and reduce your need to accumulate more debt, I’d like to offer you the following tips to creating and sticking to a holiday budget! • Set a spending limit for the season – Calculate how much mon- ey you can find in your budget to spend without creating new debt. If you need to use a credit card or borrow money, calculate the maximum amount you’re comfortable paying back in a reasonable Our holiday loans* are so competitive, even amount of time and stick to it. Santa likes to borrow from us! We know • Make a gift list – Make an extensive list of all family members, the holiday season can be expensive. friends, teachers and more that you need to purchase gifts for so That’s why we’ve created this special you can accurately define your budget. Then set a specific amount you want to spend for each category of recipients. holiday loan to help you worry less • Shop the deals – Pay close attention to the seasonal sales ads and about the money, and enjoy more of take advantage of big sale days such as Black Friday and Cyber the holiday season.
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  • Santa at Fair Haven, Red Bank School News
    I RED BANK ISTER. laiaod WHUT, Batmd u BMond-Claio Uatttt it tb« Put- RED BANK, N. J., WEDNESDAY, DECEMBER 25, 1929. ' VOLUME'Lii,-No,r26. emu «t Bed Btnk, N. tH undw tfat »ot oi Uarab a. 1970. $1.50 PER YEAR PAGES 1 TO 8. Next Wednesday, January lit, SCHOOL MOVING PICTURES. H CHRISTMAS CANTATA, BIG RECITAL AT SCHOOL will be a holiday. SANTA AT FAIR HAVEN, RED BANK SCHOOL NEWS. At River Plaza .They Are Used to TO PRISON FOR LIFE, XMAS PARTyMORROW. The Red Bank Register will v BANK SUNBA1T-SCHOO] TWO PARTIES TOMORROW FOB CHRISTMAS PARTIES HELD IN Help Teach History. PROGRAM BY DANCING AND be printed next week on Tuesday BED BANK WOMAN CONVICTED FINAL ARRANGEMENTS FOR BNTEBTAINMENT. THE CHILDREN. CLASSROOMS. The moving picture machine which ELOCUTION PUPILS FRIDAY. morning instead of on Wednes was recently placed In the River OF MURDER. FESTrVITIES AT THEATEB, Plaza schoolhouse was used several A Boy« and Olrl» Took Part In More Than Forty Young People and day morning, as usual. Santa Claus Will be at the Flsk The Schools Are Closed for the Hol- Ora Lane, Colored, Killed Her Sister Program at tho Presbyterian ! Advertisers are requested to idays and Will Reopen January times tho past week. Pictures of The Firemen Find Many FamllhW Two. Professional Entertainers Will Street Schoolhouse and Also nt thi Revolutionary war events were shown Last May—Defense Set Up Insan- in Needy Circumstances at B«d iroh Monday Night-Candy am Perform for Bed Bank Charity hand in their advertisement ono Flrehouse—Needy Families to be Jlth—Junior Chambor of Commerce ity Plea—Jury Out Only Half an It were DletrSmted.
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  • Christmas Club Total Is $417000 Study Wins by 3-2
    •\ A Newspaper Devoted Complete News, Pictures To the Community Interest Presented Fairly, Clearly Full 'Local Coverage And Impartially Each Week Published Every Thursday VOL. XVII—NO. 39 FORD'S, N. J., THURSDAY, NOVEMBER 10, 1955 at 18 Green Street, •Woodbridge. H J PRICE EIGHT CENTS Decrepit 30-Year Old Frame Portables Christmas Study Wins Still House Avenel, PL Reading Pupils Club Total By 3-2 Vote Is $417,000 In Edison J? " Two Banks in Township Slate of Cu'rcio, Dunhani To Mail Checks Next Sullivan, Yelenesies, Week to 3,150 Savers McCord Winners ^ WOODBRIDGE — Next week, EDISON—This township's vot- tlie largest Christmas check .ever ing public has indicated clearly will be sent to the largest number' that it is in favor of. a charter of Christmas Club savers, when study with a vote Tuesday of 3-2 in favor of the move. The vote the two township banks wUT mail was 4,015 to 2.273, $417,000 to 3,150 Christmas Club members. Elected as a slate to make the study were Dr. Raymond J. Cur- Checks from the Woodbridge cio, William J. Dunham, William National Bank- wil be mailed on S. McCord, Edmund Sullivan and Monday, _Fred P. Buntenbaeh, oashj.er,.-announced. Checks will Anthony Yelenesies. "be sent to 1,700 members, an in- As a result of the election, Edi- crease of 400' members over last son Township is the first county year 'and $62,000 more in cash. municipality to conduct this study as provided under the Faulkner Theodore. Brichze, cashier at Act.
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  • Clinton National Bank Pays You 5X/2% for Your Christmas Club Savings (Even Unfinished Ones)
    Clinton National Bank Pays You 5x/2% For Your Christmas Club Savings (Even unfinished ones) j Clinton County News DECEMBER 24, 1975 24 PAGES ST. JOHNS, MICHIGAN 48879 15 Cents Sanfa brightens spirits at Clinton Memorial Hospital Gary Markman, 20 month, son of Mr. and Mrs. Gary Markman, Sr. Lisa Ebert, 5% years, daughter of Mr. and Mrs. Ray Ebert Citizens continue tax battle for a vote. By JIM EDWARDS totinty News Editor Tte citizens group claims the l mill was in additioh to a mil! previouslysllocated by the M 1 ! ~ -.»• DEWltt f tyP - A group df DeWitt Twp. Clinton Gpuftty Tax Allocation'Board, Alicia Kidney, daughter of Mr. and Mrs. Ron Kidney residents h&ve not given Up their fight EarjiCDfcWi^oivnshlp officials were against a 1-mill tax assessment they claim told by the County "Board of Commissioners is illegal. * ' that the l mill should not be levied Their position coincided with the advice given the Propose new nursing fa-.".* i%V.:; - ";-IS The latest in their fight against the 1-mill board by Jon Newman, Clinton County took place last week when they, through a prosecuting attorney. private attorney, filed a class action suit with the State Tax Tribunal. Rep. Stanley Powell was asked to obtain an opinion on the matter from Frank Kelley, home in St. Johns The petition asjts for reimbursement and Michigan attorney general, who asked the redetermination of the property tax mill, LANSING--The state has been asked to shape of a wheel, with the spokes being township should follow the directives of the issue a certificate of need for a proposed wings in which patient rooms would be which was levied by the township to finance Board of Commissioners and prosecutor.
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  • Help for the Holidays Christmas Club
    VOLUME 25, NUMBER 3 SEPTEMBER 2011 Celebrate International Credit Union Day ON OCTOBER 20TH International Credit Union Day is Thursday, October 20, and this year's theme, "Credit Unions Build a Better World," highlights the important economic and social contributions credit unions make to their communities worldwide. Whether it's helping a farmer in Africa buy seeds or a young adult in Arkansas buy her first vehicle, credit unions all over the world are dedicated to helping improve the quality of life for their members and in the communities where they live. This year's theme also aligns cooperatively owned FLORENCE and controlled credit unions with the United Nations and cooperatives everywhere as they launch the FEDERAL International Year of Cooperatives 2012. That celebration begins October 31 with the theme, "Cooperative CREDIT Enterprises Build a Better World." Your credit union is proud to be part of the cooperative system, and UNION we invite you to join in the celebration. And if you're on Facebook, "Like" ICU Day and post your comments at www.facebook.com/icuday. To celebrate (8615) we will have refreshments available at both offices, and News we will be having our Annual Children’s Coloring Contest. Please stop by the Credit Union on Thursday, October 20th to help us celebrate International Credit Union Day! Help For The Holidays Holiday Closings Santa has his elves to help him get ready for the holidays. If no one with pointy ears has arrived at your door, don't despair. Come to the credit union instead. With a holiday COLUMBUS DAY loan from the credit union, you can be of good cheer at the same time you take control Monday, October 10, 2011 of your spending.
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  • Wghs Junior School
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  • October 2018
    September 2018 NEWSLETTER create someHoliday Magic • Loan amounts up to $2,000 • Terms up to 12 months • • Rates as low as 2.99% APR* • It gets even more delightful! With the help of a Christmas Loan from We’re giving members the opportunity to lower our already low interest Awakon Federal Credit Union, rate by cashing in your ScoreCard Reward Points! Every 5,000 points you you can fill the holiday season with cash in gets you 0.25% APR* OFF your interest rate. Contact a financial service specialist to see how you can receive as low as 0.00% APR* everything that makes it joyful. for the Christmas Loan Special! *APR = Annual Percentage Rate. All rates are subject to Credit Approval. Stop by one of our branches or visit www.awakonfcu.net to Some restrictions may apply. start filling the season with more holiday magic today! Enjoy 4.99% APR* Awakon Federal Credit Union ON PURCHASES OR wants to help you keep some extra cash in your pocket this holiday BALANCE TRANSFERS season with our convenient FOR ONE YEAR! SKIP-A-PAY PROGRAM! *5 Skip-A-Pays are available for the life of your loan. A $25.00 application fee for each loan skipped. Some restrictions Got a lot of high-rate credit apply. Offer does not include Real Estate, Credit Cards or Business Loans. card debt? Transfer those In December, we will also be offering high-rate balances with this our FREE Christmas Credit Card Skip-A-Pay Program. If you qualify, special rate offer and start your payment amount will be $0 for the month of December.
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  • Newsletter 2011-12-December.Pub
    Newsletter of the Olivenhain Town Council December, 2011 Message from the President — Jon Jerotz By the time you receive this Newsletter in the mail, or your email sample them to your delight for a mere $10 which includes your box, Thanksgiving will already be behind us and for me already very own Olivenhain wine glass. This has grown to be a missed. I love the smell of Turkey cooking in the oven, stuffing, blockbuster evening so please join us for our last event of the yams and all the other side dishes filling the air with the year and spread your holiday cheer. wonderful aroma of what is truly the start of the holiday season. I do not miss my stomach being pushed out a couple extra I have always loved Christmas growing up and still do to this inches because I had to have seconds of all of the above, but day. We all have our special holiday memories no matter what can you blame me? Oh the holidays! you celebrate and how you celebrate it. I enjoy putting the lights up and around the house, setting up the Christmas tree and Black Friday and Cyber Monday are here, too many people decorating it with a fire burning and music playing. It is a family vying for the same one out of ten toy of the year the store had at time to really cherish. Sometimes I think that Christmas is just the “special price” for five hours. Can you believe the stores for the kids, but you know, that is just not the case.
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  • Holiday Spending Is Getting Smarter, but You Can Be Smarter Still
    Holiday Spending Is Getting Smarter, But You Can Be Smarter Still The average American will spend nearly $900 on holiday presents this year. If you have two adults in your household, that’s almost $1,800. The odds are good that you’ve already spent a good chunk of that on Black Friday, Small Business Saturday, and Cyber Monday specials. In looking at the sales numbers from the weekend, Americans are getting smarter about how they spend that money. Brick and mortar stores suffered about a billion-dollar decrease in sales from 2014, largely avoiding many of the big- ticket items that lure customers into waiting overnight in cold parking lot lines. Instead, consumers pushed online purchases to a record high of $4.45 billion, roughly 20 percent more than last year. At the time of this writing, Cyber Monday sales had not yet been released, so we can’t compare those. In addition to this, sales numbers indicate earlier spending, more diversified spending and shopping carts that were more full at fewer locations. All of this points to people purchasing items they had selected before the big weekend sales, then spending less time browsing and far less time in the harsh winter conditions and occasional inhuman violence that only cheap electronics and toys can provoke. Even with the transition to warmer, quicker and more pajama-clad shopping, the money being spent is astounding. The odds are also good that you don’t remember everything you bought for the holidays last year, and even if you do remember what you were given, it probably doesn’t add up to hundreds of dollars worth of things you still use.
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  • Christmas Club for 1914 Still Open
    WOMAN'S SUFFHAGE I3XJITION The Leading and Most Widely Circulated Weekly Newspaper in Union County JENTY-FODRTII YEAH—No 17. WESTFDSLD, NEW JERSEY, WEDNESDAY, JANUARY "?4, 1014. TWENTY PACES—2 CENTS l¥E VIEWS ON CLUB DR. POTTERTd BIG GUNS AT ] NEWGURRENCYLAW MAKE GOOD TO LECTURE HERE MEN'S FORUM M fehiBr Van Dusen, of Newark Second Performance of "Char- Will Talk on "Norway, the Mayor Evans and Arthur N. Sttitl; *T| inking Company Addresses ley's Aunt" a Credit to Land Gf the Midnight Pierson Discuss Commis- Local Bankers Club Members and Coach Sun" sion Government GOOD ATTENDANCE PLAYHOUSE WELL FILLED ILLUSTRATED BY SLIDES APPLAUSE IN RfJ. E. CHURCH CHRISTMAS CLUB spite of the bitter co!d evening After a week of rehearsals the The lecture scheduled to be held in The value of the Men's Christian 'o was a fairly good attendance at members ot the Plio Club and their tho Washington School next Saturday Forum of tho First M. B. church as uotliig of Us Bankers Club iielc] an open giound for debating or other- assistants gave the second perform- evening will bs by Dr. T. E. Potterton wise considering the live toplc3 of o Town Hall last evening, ance of "Charley's Aunt," at the and his subject will be "Norway, the tho day was strikingly Illustrated at FOR 1914 ipeaker of the evening was Mr, Playhouse on Monday evening, and of tho Midnight bun." last Sunday's m«etln«'when a numbar cashier of too National as predicted in last week's Leader, Dr.
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  • HALL's Coal" Months to If Needed Beating Sheet Metal Work
    24 NEW BRITAIN DAILY HERALD, THURSDAY, DECEMBER 20, 1928. sible a settlement of their differences emperor' enthronement." KENTUCKY MINING C filM filVFW which will reestablish between them ANNOUNCE Meet December 14 POPE ENTERS 50TH flM JAPS two bouse V good understanding and pacific The chambers of $1,000 REWARD TOWN IN MOURNING pers, hereditary and appointive, and i 1 1 AS rnniin house of representatives, elective VFIR PRIFST IU IUIMLL U. LARGESTJUDGFT met for organisation December 14. If We Do Not Do As This Ad Drakesboro Makes Plans for Fu- The following day will be a holiday, Says PROGRAM not because it is Christmas, which is nerals of Victims of mini not in 3 22 a holiday Dec. Commnnion to of U. S. Steel Makes $806,380,000 to Be Asked ol ( For Days Ending Sat., Administers Hoi Taylor Japan, but because it is the second j j Disaster. ATTRINITYCHURCH anniversary of the death of the late Diet the formal Tontbs of St. Peter Ky., Dec. 20 iP) Law School Gilt Eraing Emperor, Toshihito; and CHOICE OF 2 BABY GRANDS .. $325.00 Drakesboro, with the em- - r Drakesboro, one of the numerous opening ceremonies, will take De- CHOICE OF 8 PLAYER PIANOS . $290.00 mining villages in the coal fields of Recitations and Sketches peror present, place be-- ! Carols, Dec. 20. OB The 26. there will be Rome, Dec 20 IMThe prizd Kentucky was in deep mourning to- Ithaca, N. T., Dec. 20 UOK Tokyo, largest cember Thereafter CHOICE OF 3 PLAYER PIANOS...... $225.00 legal-traine- d a recess New Year holl- - scholar of the oratory of St.
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  • Christmas Club Accounts
    bits id OCTOBER 2017 T Credit Unions of Maui Charity Golf Tournament Current Cell Phone and Email Address Providing us with your current cell phone and email ad- dress will enable us to conveniently and quickly contact you on important matters relating to your account. When providing this information you must do it by coming in to the branch, sending a secure message via our home bank- ing product, E-Link or providing us with a notarized request Pictured above are committee members from the tournament which included representatives from Maui FCU, Valley Isle Community FCU, Maui County FCU, West if sending it in by mail. Maui Community FCU, Kahului FCU, Maui Teachers FCU and Wailuku FCU) On Saturday, August 12, 2017 the Credit Unions of Maui held Special Limited Offer Share Certificates its 4th annual charity golf tournament to benefit Maui Memorial Reminder for members who opened an 18-month Medical Center Foundation. The tournament was a huge success or a 24-month term share certificate and helped raise $28,000 for the Foundation. Funds from this 18-month term special – at maturity, the proceeds from tournament will be used to purchase an ERCP Scope for the your share certificate will be deposited in to your share Endoscopy Department. A big MAHALO to all Maui FCU account. No automatic renewal provision is available. members who sponsored, donated or participated in this event. 24-month term special – at maturity, your share certificate will automatically renew for the same term at the Dividend INTERNATIONAL CREDIT UNION DAY Rate and APY in effect at maturity, unless we are notified THURSDAY otherwise by the end of or within the grace period.
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