Winter 2015 - Heartland Area Federal Credit Union



Winter 2015 - Heartland Area Federal Credit Union
Winter, 2015
Happy Holidays
Friday, April 22, 2016
from your Credit Union Staff
German American Society
(South Hall)
3717 S 120 Street
Kristi, Nancy, Mary,
Carol, Linda and Susan
Information will be mailed to
you in March
What is an EMV Chip Card?
EMV stands for Europay, Mastercard and Visa. An EMV card in the United States has
a chip and a magnetic strip. The card can be used at a chip-enabled terminal or a
swipe terminal.
When will my credit card be replaced with the Chip?
When your current HAFCU VISA card expires, we’ll automatically replace it with an
EMV card. But if you would like your new EMV replacement credit card before your
current card expires, just request a new card by contacting the credit union.
Are EMV Chip Cards more secure?
Yes, they are more secure that a card with the magnetic strip cards. Every time an
EMV card is used for payment, the chip card creates a unique transaction code that
cannot be used again. It is unique to that transaction.
How do I use the EMV Chip Card?
>Insert the card…Instead of swiping, you’ll insert the card
into the terminal, chip first, face up.
>Leave the Card in the Terminal…The card must remain
in the terminal during the entire transaction.
>Sign the Receipt or Enter a PIN…Either sign the
receipt or enter your PIN to complete the transaction.
>Remove Your Card…When the purchase is complete,
remember to take your card with you.
Loan Special
Consolidate your Holiday
Expenses with a personal
loan at a 6.00% APR* rate.
New money only. Loan minimum is $750.00 and loan
maximum is $2,000.00 for a 12 month term. Offer
available through 1/31/2016. The estimated monthly
payment for a loan for $750.00 at 6.00% APR* would
be $64.56 and a $2,000.00 loan at 6.00% APR*
would be $172.15.
*Annual Percentage Rate
Remember: The chip card still has a
magnetic stripe, just in case you need to use
it with a traditional terminal.
Monday, January 18th, 2016
Monday, February 15th, 2016
Martin Luther King, Jr. Day
President’s Day
Membership: Pass it on
One good turn deserves another, as they
say. If you enjoy everything that Heartland
Area Federal Credit Union has to offer why
not extend the benefits of membership
to your friends, family, neighbors, and
colleagues? Tell them HAFCU strives to
offer the most affordable options available
to help them save, borrow, and manage
their finances. Whether you are getting
married, buying a home, starting your first
job or retiring, let us know because we’re
always here to help you.
If you know anyone who lives, works,
worships, or attends school in Douglas
or Washington County, tell them they can
belong. A membership account can be
opened easily.
Call the credit union at 402-571-8444
Please keep your contact
information updated:
talk about savings.
say hello to the Sprint Credit Union Member Discount.
On select regularly priced Sprint monthly service.
Plus, waived activation & upgrade fees
(up to $36 in savings each).
Learn more
• Call: 877.SAVE.4.CU
• Visit:
• Click:
Be sure to mention this code
for your discount
• Consumer: NACUC_ZZM
• Business: NACUC_ZDS_ZZM
Credit union membership
validation is required.
Get your FREE Love
My Credit Union
Rewards app and
simplify credit
union membership
. Do we have your current address, phone
number and e-mail address?
. Do you have a beneficiary listed on
your account? This helps your family
as well as protects your wishes.
. If you have an IRA (Individual Retirement
Account) with us, check to make sure
your beneficiaries are up to date.
You’re eligible for direct deposit.
When filing your taxes, simply include the
Credit Union Routing Number 3040-8349-3
and your account number with a zero at the
end of your number and designate to go
into your savings or checking account.
Credit approval req. Early Termination Fee ( After 14 days, up to $350/line. IL Discount: Available for eligible company employees or org. members
(ongoing verification). Discounts subject to change according to the company's agreement with Sprint and are available upon request for monthly svc charges on
select plans. Discount only applies to data buy-ups/add-ons for Unlimited, My Way and Framily plans, Talk 450, and primary line on Talk Share 700. Other Terms:
Offers and coverage not available everywhere or for all phones/networks/plans. Restrictions apply. See store or or
©2014 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.
2014 Sprint Item #800-21
©2014 CU Solutions Group 091614 3528
Heartland Area Federal Credit Union’s Visa Prepaid card is an ideal way to pay bills, shop
online, and make everyday purchases anywhere Visa is accepted. When the card balance
gets low, simply replenish it by calling the Contact Center or stopping by the
credit union office. HAFCU’s Prepaid card comes with standard
Visa benefits, such as the Zero Liability Policy, continuous
fraud monitoring, and lost/stolen card replacement.
With an HAFCU Visa Prepaid card there are no credit checks and
best of all you can use your card at millions of merchants and
ATMs worldwide. Stop by the credit union office for a card today.
Skip one loan payment anytime between January 1st and December 31st. Pick up a coupon (REQUIRED)
at the credit union today.
There is a $30.00 administration fee per loan. On vehicle loans, the loan balance cannot exceed the NADA
retail/trade-in value at the time the loan is skipped. Excluded are mortgages, home equity, line of
credit/overdraft, insurance, one pay and credit card loans. You must complete and submit a Skip Loan Payment
Coupon prior to your loan payment due date. Contact the credit union for details on how to get your coupon.

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