St. Louis Community Credit Union

IN THIS ISSUE
• Enterprise sale
• Board nominations
• Refinance your mortgage
FALL 2016
Get Your FICO® Score at Gateway Branch Recognized
for Economic Development
St. Louis Community!
Want to know where your credit stands? St. Louis Community
provides our members access to their credit report and FICO
score* at no cost!
With a Credit Check-Up**, our member service representatives will provide:
• A free and confidential review of your credit report
• Your FICO score
• Valuable tips on how to improve your score
• Potential money saving opportunities
Your credit score plays a major factor in the quality of everyday life. It can influence the interest rate you pay on loans or
credit cards, your ability to rent or purchase a place to live,
the cost of auto insurance and even an employer’s choice to
hire you (in some cases).
Know where you stand! Call 314-534-7610 to schedule a
Credit Check-Up at any of our full-service branches.
*Available during new account opening, loan applications and scheduled credit reviews. Membership rules apply.
**A Credit Check-Up generates a hard hit inquiry on your credit bureau, which may impact
your credit score.
IMPORTANT:
St. Louis Community Credit Union will
be making some modifications to our
Account Agreement. Copies of the
updated agreement will be available
as of December 1, 2016. Any changes
in operating policies will be effective
January 17, 2017. To request a copy
of the revised Account Agreement,
contact us after November 30 at
314-534-7610, visit our website at
www.stlouiscommunity.com/disclosures,
or stop by any of our branch locations.
The St. Louis Community Credit Union Gateway Branch
continues to make an exceptional impact in the community,
and we’ve been recognized once again for our giveback!
The Gateway Branch has been named one of the 2016
Developments of the Year by the St. Louis Development
Corporation. This award recognizes significant contributions to economic development in the City of St. Louis. We
received our award at the 2016 Mayor’s Business Celebration Luncheon with Mayor Francis Slay on September 30.
Since opening in March, the Gateway Branch has delivered nearly $540,000 in loans and more than 600 new
accounts, in addition to tens of thousands of transactions
at our expanded-service drive-up lanes, convenient ATMs
and Interactive Teller Solution (ITS) machines. In addition
to this award, the Gateway Branch was the focus of recent
stories by the St. Louis Post-Dispatch, the St. Louis American and St. Louis Public Radio.
The neighborhood is thrilled to have the Gateway Branch.
Allison Carson, owner of the AAA Fish House next door to
Gateway, says the branch is great “for the senior citizens
to be able to walk to it,” since many neighborhood residents are seniors who do not drive. “They’ve got great
customer service,” adds Allison, who was a Gateway Bank
customer and is now an SLCCU member. “They do an excellent job. I hear nothing but good things about it.”
We’re proud to give back to North St. Louis through this
important new branch and others like it!
This activity is financed in part through an allocation of Community Development Block
Grant funds from the Department of Housing and Urban Development and the City of St.
Louis’ Community Development Administration.
FALL 2016
Ask the Expert with Meghan G.
Question: How do I stay motivated to
save money and get my finances on
track?
Answer: A big part of creating any
goal is having motivation. What motivates you about what you are going
to do?
My reason for coming to work is definitely much more than a paycheck.
It’s the client thanking me for encouraging her to do something she would
have otherwise avoided, and the client
who is approved for a home loan after
working for months to improve his
credit. All of my clients have motivation to improve themselves financially. Like them, you need to find your
motivation.
Thinking about a general goal is not
enough. Dig deep. What is achieving
that goal really going to do for you?
In both of the examples I used, the
motivation was their family — financial security for their loved ones and
providing a place that their children
can call their own. When you find that
motivation, it’s time to get to work.
Own what you are doing. Tell yourself
that you can and will achieve it. Create
a plan, and remind yourself and others
what you are working toward. This is
how you can help keep yourself on
track.
If you need a partner for accountability along the way, know that the team
of financial coaches at Prosperity
Connection® will support you while
keeping your motivation as a top
priority.
Prosperity Connection’s financial coaching
services provided solely on an advisory
basis and provided with the understanding
that Prosperity Connection is not engaged
in rendering legal, tax, financial, counseling
or other professional services or advice.
WHAT’S THE DIFFERENCE BETWEEN THESE CAR OWNERS?
OCTOBER
ENTERPRISE
SALE
When the
home is right,
we’ll find
a home
loan that
fits.
During the month of October, when you
trade in your old car for a great new-to-you
car from Enterprise and finance it at
St. Louis Community, you’ll
receive $500 over Kelley
Blue Book value* on your
trade!
You’ll be ready for winter with a dependable, worry-free vehicle and an affordable
auto loan that helps the community.
This offer is only good October 1-31, 2016,
so don’t delay!
Or we could help you refinance
your mortgage to a lower
monthly payment!
• Low down payments*
• Low rates – that won’t last forever*
• One-on-one support
• Credit counseling available
Best of all, every loan with us helps the community
– so your mortgage means something here.
GET STARTED TODAY!
THE ONE ON THE LEFT JUST FINANCED HER CAR AT
ST. LOUIS COMMUNITY CREDIT UNION!
Whether you’re buying a vehicle or refinancing your current
loan, you can enjoy these great benefits:
TURN YOUR CAR LOAN AROUND TODAY!
SeeUsForALoan.com
• Lower your rate, your monthly payment or both*
• Fast approval – we don’t judge, we help*
• Every loan helps the community
*Rates, terms and conditions are subject to change and may vary based
on creditworthiness and qualifications. All loans subject to approval. See
Credit Union for details.
Board nominations being accepted
Members interested in being nominated as a candidate for
the St. Louis Community Credit Union Board of Directors
can send a detailed letter of intent and an updated resume
to: St. Louis Community Credit Union, c/o Nominating
2
Committee, 3651 Forest Park Ave., St. Louis, MO 63108.
Nominations must be received by November 30, 2016.
Elections will be held at the Credit Union Annual Meeting
in the spring of 2017.
Visit homeloans.stlouiscommunity.com
or your favorite branch.
*Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and
collateral conditions. All loans subject to approval. See Credit Union for complete details. St. Louis Community
Credit Union’s NMLS ID# 616755.
Join us for the
Halloween
Spooktacular!
Looking for a safe, fun, FREE way to celebrate
Halloween? Bring your family out to the fifth
annual Spooktacular Community Fair on
Thursday, October 27, from 4 to 7:30 p.m. at the
24:1 Community Excel Center at 6724 Page Avenue in Pagedale (between Hanley and Skinker).
We’ll have candy, games and MORE – plus community resources for the parents. See you there!
To get pre-approved today, call, stop by a
branch, or visit SeeUsForALoan.com.
*Kelley Blue Book Trade-In Values used by Enterprise are obtained
from ©2016 Kelley Blue Book Co.’s website KBB.com. Kelley Blue
Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is
an important aspect of determining its Kelley Blue Book Trade-In
Value. Kelley Blue Book valuation adjustments for vehicle mileage
disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue
Book Trade-In Value is not available for customer’s vehicle, Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $500 is available only on passenger
vehicles and light duty trucks with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is
responsible to any extent vehicle pay-off exceeds Enterprise offer.
Customer must provide required proof of ownership/registration
and all other necessary paperwork to transfer title. Offer only valid
on one trade-in for each Enterprise vehicle purchase. Restrictions
apply. For details, see an Enterprise Car Sales Manager. Offer void
where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC,
TX, VA and Washington D.C. Offer valid October 1 – October 31,
2016. No cash advances. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use
possibly short-term rental, lease or other. The “e” logo, Enterprise,
and “Haggle-free buying. Worry-free ownership.” are trademarks of
Enterprise Holdings, Inc. All other trademarks are the property of
their respective owners. ©2016
Warm the community this
holiday season
From November 1 – 14, donate new and gently used winter coats for a
worthy cause!
St. Louis Community is teaming up with the Kurt Warner First Things
First Foundation for the annual Warners’ Warm-Up. Each branch will
have a collection box located in the lobby for you to drop off your donations. We will also accept cash donations to be used to purchase brandnew coats for the coat drive. Donate $1 at your favorite branch, and a
coat cutout with your name will be displayed in the lobby.
For more information on Warners’ Warm-Up, visit www.kurtwarner.org.
3
FALL 2016
Branch Locations:
Downtown — Kingdom House 1321 S. 11th St.
St. Louis, MO 63104
Gateway
3412 N. Union Blvd.
St. Louis, MO 63115
Ferguson
10751 Old Halls Ferry Rd.
Ferguson, MO 63136
Florissant
1250 Graham Rd.
Florissant, MO 63031
Jennings
7345 W. Florissant Ave.
Jennings, MO 63136
Midtown 3651 Forest Park Ave.
St. Louis, MO 63108
Pagedale 6724 Page Ave.
Pagedale, MO 63133
Richmond Heights 1436 S. Big Bend Blvd.
St. Louis, MO 63117
St. John 2808 Endicott Ave.
St. Louis, MO 63114
South City
7224 Gravois Ave.
St. Louis, MO 63116
Southtown
4435 Chippewa St.
St. Louis, MO 63116
University City
7350 Olive Blvd.
University City, MO 63130
Water Tower — Grace Hill
2125 Bissell St.
St. Louis, MO 63107
Wellston — MET Center
6347 Plymouth Ave., RM 108
Wellston, MO 63133
Lobby & Drive-up Hours:
For hours of operation, please call or visit our website.
Phone Numbers (all branch locations)
314 534 7610
1 866 534 7610 toll free
MAX 24-Hour Phone Teller
314 421 7171
Visa® Credit Card 24-Hour
Cardmember Service
1 800 558 3424
Website
www.stlouiscommunity.com
Email Address
[email protected]
BALANCESM
Financial Fitness Program
1 888 456 2227
Holiday Closings
Columbus Day (observed)
Monday, October 10, 2016
Veterans Day
Friday, November 11, 2016
Thanksgiving
Thursday, November 24, 2016
Day after Thanksgiving
Friday, November 25, 2016
Christmas (observed)
Monday, December 26, 2016
New Year’s Day (observed)
Monday, January 2, 2016
Federally insured by NCUA.
Our Expanded Thanksgiving Holiday
St. Louis Community Credit
Union will be closed on
Friday, November 25,
2016 in celebration of the
Thanksgiving holiday. Online
Banking and ATMs will be
available. We will be open
on Wednesday, November
23 and Saturday, November 26. Thank you for your
membership.
Quick Tips for a Better Financial Life
Check your credit before you borrow. When it’s time to buy a car, the
first thing you should do is pull your credit report. The better your credit,
the lower your interest rate on your car loan, and the lower your monthly
payment will be. Our Credit Check-Up service (see page 1) is the perfect
place to start on the road to a car loan! (Source: WiseBread.com).
Use direct deposit. By taking advantage of direct deposit, you can
help ensure that funds hit your account in a timely manner. This service
is free and can prevent you from scrambling to make it into your local
Credit Union branch before an urgent bill does.
Certain project costs have been underwritten by the Missouri Department of Economic Development, Neighborhood Assistance Program. These educational activities are financed (in part) through an allocation of Community Development Block Grant funds from the
Department of Housing and Urban Development and the City of St. Louis’ Community Development Administration.
1016V1EXP1216